milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2015 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, my ex-wife and I finalized our divorce. In the divorce filing she fully relinquished all interest in our home to me. At the time our home was in the negative and had no equity. Our home had a 1st and 2nd mortgage with XXXX. Because of the divorce and reduced income I could not afford the payments and the home went into foreclosure. 

In XXXX, my ex-wife filed and received a chapter XXXX discharged bankruptcy which included her interest in the 1st and 2nd home loans. 

In XXXX XXXX, I received a " Cancellation of Debt '' IRS XXXX from the 2nd XXXX on the house, which was no longer from XXXX, but now held by " Greentree Servicing. '' The XXXX was for {$72000.00} I filed XXXX in my XXXX income taxes. I checked my credit reports and all XXXX bureaus reported that I was in arrears in the XXXX XXXX loan. I wrote XXXX letters to Greentree about the XXXX and the fact that it was being reported as being " late payments. '' Greentree wrote back to me and indicated they had no record for me having a loan with them even though, I had provided my SSN and account number. This scenario went on for many months. 

In XXXX, I reached an agreement and a loan modification on my 1st mortgage with XXXX and managed to keep my home. I currently reside in the same house. 

In XXXX, after I made several calls to Greentree, and after being told that they had no record of me, one of their representatives found my loan record. He advised that my loan could n't be found because it was a " Closed and Released '' file and that it was no longer considered collectable. I explained to the representative that there was negative reporting on my credit reports and an existing lien on file against my home by their firm. He promised me that it would be corrected. He said they would report that my account was closed and " charged off. '' He also told me that they would " XXXX '' the XXXX XXXX lien against the house since the debt was dismissed and I had already received an IRS XXXX in XXXX for the debt. 

As promised, Greentree did eventually stop the negative reporting on my credit reports. 

The existing problem and my complaint is that I checked with XXXX title companies and XXXX XXXX XXXX XXXX and Greentree has not removed the XXXX XXXX lien against my house and reconveyed the lien as promised. 

In the last month, I called Greentree in regards to this matter and they once again are telling me there is no record of me or the loan and therefore they can not reconvey the XXXX since they have no record of it and it basically does n't exist. 

I need your help in getting this XXXX XXXX lien removed/reconveyed against my house since that is what I was charged for in the XXXX - XXXX tax form and was promised by Greentree when they told me told the loan was " Closed and Released. ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I pulled my credit report in XXXX 2015 and saw creditor, " Navient '', reporting a very high student loan balance resulting to over XXXX XXXX. I immediately filed a dispute with all XXXX credit bureau agencies and wrote letters to Navient directly via XXXX Certified Return Receipt mail on XXXX/XXXX/15 & XXXX/XXXX/15 ( they have also changed their corresponding address after I sent the dispute to all XXXX credit bureaus and letters were sent to XXXX addresses ). I requested for validation made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). A Navient Representative and I spoke on XXXX occasions in XXXX 2015 and on XXXX occasions I asked specifically to send written documentation to be sent to my attention and to please cease all calls ; as a result they violated Fair Debt Collection Practices by contacting me the XXXX time. Needlesstosay, all ways of correspondence has resulted in Navient 's refusal and failure to comply. In addition, on XXXX/XXXX/2015, they sent a refund check indicating the following, " ... .During a recent review, it was identified that our practice of charging a minimum late fee, as well as our student loan billing statement disclosures relating to when late fees would be charged, may have caused confusion for our customers. To correct this issue we have enclosed a refund check in the amount of {$40.00} ''. At this point Navient is purposefully violating the Fair Debt Credit Reporting Act, Fair Debt Collection Practices, and defaming my character. I am suffering as they are leaving an erroneous negative mark on all XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (WA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They call almost daily right after XXXX and other times, and leave robo recorded messages. I have called the number left in the recording and told the agent that they have the wrong number. We have only had this number for a couple of months. The agent assured me they would take our number off the list, but Convergent robocaller keeps calling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I received a marketing email promoting XXXX Citi Thank you points for opening a citigold checking account. Terms state that I needed to complete two billpays in two month within 60 days and spend {$750.00} in debit card purchases. After initially funding the account with {$500.00}, I scheduled online bill payments that were not processed, causing a late payment to both my citi TY premier credit card and citi Aadvantage credit card for which I did not notice until receiving late payment notice via email about 3 weeks after account was opened. It was also at this time that I tried to log back online, only to discover, that the account had been blocked and that I needed the ATM card ( never received ) in order to regain online access. When I called citibank, was told that my account needed ID verification within 30 days of opening ( which I never received a request for ) and is now being processed to be closed and no atm card could be sent out to me. I attempted to stop by a local branch and the same thing was told to me. I had XXXX pre-existing citibank credit cards that are linked to the newly opened checking account, so I am not sure why citibank claims id verification is all of a sudden needed, for which I never did receive the request for. It seems to me that the marketing email was sent to me to get me to open the account, but citibank did not allow me the ability to complete the requirements of the terms in order to get the bonus points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: The bankruptcy was not removed from report. They did not send me verification. The bankruptcy does not include my name or social security number. I was told by a representative over the phone that they would delete it from my report, I was told this XXXX of 2017. Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX two loan payments for the same amount were initiated on my account in error. As a result both payments were returned insufficient funds. I contacted my loan servicer Nationstar Mortgage and they told me to go ahead and make my payment through another checking account, which I did. As far as I know, my account was then current. On XXXX XXXX, XXXX my loan modification which was originally done in XXXX XXXX was reversed as a result of the NSF on my account which was not my fault. I am now, not able to make payments via online and the principal reduction and reduced interest rate on my mortgage has been reversed. Additionally, there has been negative credit reporting on my account. 
I have spoken to a total of 11 people regarding this matter since the issue began on XXXX XXXX, XXXX to no avail. Everyone says that the loan will be rebooked eventually however it has not happened. The negative credit reporting has caused me to not be approved for a parent loan for my daughter 's college education. This is causing me much stress and I would like it resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Credit card () with TD BANK US HOLDING COMPANY (PA).
Issue: Customer service / Customer relations

Complaint: I had XXXX late payment back in XXXX to Target. Since then, every month when I make my on time payment they hold that payment for 2 weeks before it is applied to my account. I have called and spoken to the Manager to no avail. She says that is their policy when you have a late payment. I do not agree with this because the payment has already been deducted from my checking account. They will not take my word for it unless we have a conference call to my bank to verify this which is a long process. This is XXXX and I made my payment and was told the same thing again. Someone needs to change their policy regarding this. Maybe you can do something. I only had that XXXX late payment and only late by one day.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I requested validation of this debt. However, AFNI , INC has not properly validated per Texas Finance Code Section 392.202. This code equires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information AFNI only furnished a copy of invoices for XXXX, XXXX and XXXX 2014. In fact, I was no longer living in the location that was being billed by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: XXXX XXXX ( Sams club ) offers 5 % 3 % and 1 % cashback rewards. The classification of the purchase is not clear, in fact, the original disclaimer referenced how a gas charge may be identified as other ( grocery ) depending on the merchant 's classification. The Synchrony supervisor now states that the products themselves are classified and this will not be conflicting. The process to find out what is really happening is not clear, difficult or impossible. I broke down the classes of charges on one months statement, carefully removed any non-qualifying products ( Sam 's club 's {$100.00} annual membership does not qualify, for example ) and came up with a total reward value of {$63.00}. The bank representative stated that I received only {$59.00}. This is one of the  smaller statements and we have been intending to " spot check '' for a couple years. I suspect there is unconditional deception and want the CFPB to cause a means of identifying and clarifying exactly what is what. I have a scanned example ( breakdown ) of this statement to share. I have posted on XXXX XXXX blog, hoping they would put pressure on the gas industry by promoting those who post their classification code ( s ) and statement, respectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1 ) XXXX XXXX ( {$910.00} ) 2 ) Navy Federal Credit Union ( $ UNKNOWN ) 3 ) XXXX  XXXX XXXX ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Credit card debt) with DISCOVER BANK (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I currently have a debt for the amount of {$2300.00} with  Discover Credit Card Services. I called Discover  at  XXXX  to inquiry about this debt. I was provided this fake phone number  XXXX  and was unsuccessful in communicating to the agents who would provide the necessary information to start paying this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Medical debt) with ICQ Search and Recovery Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: We were mailed a collection notice from a company called " I.C.Q. Search and Recovery '' for a lab bill that was paid by check to " XXXX XXXX '' over a year ago. When I attempted to call the number on the letter, it goes straight to voicemail with no way to get to a live person. When I searched the internet, there are tons of complaints about this same company and this being a scam. I have a copy of the notice/letter and a copy of the check ( proof of payment ) that was cashed and posted to my account back in XXXX 2016. I have mailed a copy of the check to this so called company but am very concerned that they are scamming people and trying to collect on old invoices that have already been paid. Thank you for you help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Vehicle loan or lease (Loan) with LOBEL FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Reported : XXXX XXXX, XXXX XXXX : {$8100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Student loan (Federal student loan servicing) with GRANITE STATE MANAGEMENT & RESOURCES (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: XXXX XXXX XXXX has been avoiding my deferment requests. I have a XXXX XXXX loan and my child is currently attending school full-time for an XXXX degree. XXXX & XXXX is not doing their due diligence by not promptly handling my requests. When I call them, they always have a different reason for how I have n't completed the correct forms, but I simply followed the instructions on their website and from their representatives over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: on XX/XX/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX WAS SUPPOSE TO REMOVE ALL HARD INQUIRIES THEY LEFT ONE DATED XX/XX/2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (TN).
Issue: Problem when making payments

Complaint: I was late on my loan and was 30 days late 1 time and because they couldn't contact me on the phone they defaulted my loan to an attorneys office..The problem I have with that is I paid off my account once and renewed this loan and always have made my payments ... ..I tried to make a payment to bring this account up to date and they told me it was referred to an attorneys office for one 35 day late and they keep reporting negatively to my credit and they don't have my account nor do I have a court date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I did a withdrawal ( SEPA transaction to bank account ) of XXXX from coinbase.com on XX/XX/XXXXand the system promised that this money would be on my account on the XX/XX/XXXX, but it still has not arrived. I have submitted a support ticket ( Case # XXXX ) onXX/XX/XXXX but have not gotten a reply. My e-mail i used to register in their system is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax recently had a major security breech ( XXXX2017 ), failed to inform 140 million affected customers for five weeks (! ), had three executives sell stock worth millions (! ), did an incredibly poor job of managing mine and 140 million of my closest friends Personal Identification information, and then created a " Fraud '' alert system ( XXXX XXXX ) which opts consumers into legal situations were they may not join in a class-action lawsuit. This behavior and conduct is completely unacceptable.
I enrolled in a 90-day fraud alert to hopefully protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Medical) with AMERICAN ADJUSTMENT BUREAU,INC. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I believe this collection was from XXXX or XXXX. 
I have never received any written notice of collection, however, I received a phone call around XXXX about a collection. 
I disputed this on the telephone with the debt collector. 
I informed the collection agent to get the info in question, since the company I worked for went out of business. The coverage I had was to be paid at the time by the company supplied insurance. 
After checking my credit history, I found the collection agency changed the contact info to XXXX without ever contacting me?????

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: XXXX fell behind went to court their lawyer asked if we can settle on agreement I looked over the expense some was wrong we then took some item off the list and made agreement for XXXX which I agree to pay. I then got a letter stating I owe XXXX which was not what I agree to a small claims courtthey have threaten to put on my credit report which as of few weeks ago they did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Continues to call after asked for verification. States I will be served or arrested. 
Continues to call from numerous numbers across the country to mask their company.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Was approved for a loan modification by OCWEN in XXXX 2015. Was told the process would take up to 60 days. Each month my home has a foreclosure date. As of today ; the unmodified loan has been sold to another servicer while the modification is still pending. 9 months of no resolution is not acceptable. I have to start over with another company while my home still shows foreclosure dates. Failure to service in a timely manner and other issues related to financial harm are just the tip of the ice burg with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: 1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.

Company response to consumer: Closed with explanation