milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2018 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Struggling to pay mortgage

Complaint: Our application for refinancing was submitted XX/XX/XXXX By XXXX XXXX ID : XXXX at the XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. This application was complete and accepted. 

Also as per the copy of the letter you claimed to have sent on XX/XX/XXXX reportedly informing the servicing of our loan being transferred to XXXX XXXX XXXX XXXX All these letters were sent to wrong addresses purposefully or ortherwise. Please attached. 

We state the same for all your correspondence. 

Per section 6 of RESPA if you send a qualified written request, as a consumer I should have received acknowledgement and written correspondence regarding my request. We feel that the requirements of RESPA were not met. As such our rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was notified on 2-14 that Fedloan Servicing reported my account 90 days past due. I had contacted them on 2-3 to put a forbearance on my account. I contacted them again after 2-14 and the lady who helped me showed that I had a forbearance on my account that went from XX/XX/XXXX to XX/XX/XXXX. She said she was placing a dispute on the account but nothing has yet to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I understand I 'm entitled to a free XXXX credit report when I am a victim of fraud, which I have been. However, there is no one to talk to at the XXXX credit bureaus and no way that I have seen online to order a XXXX free report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Arbitration

Complaint: I am writing to inform the Consumer Financial Protection Bureau of discrimination on the part of Capital One. Their company can and will remove derogatory information, which is accurate, from consumer credit files. I am aware of several people who have had success submitting goodwill requests to their executive office. They have gotten late payments, even charge offs removed from their credit files. If Capital One denies this occurred, or that it continues to occur, I would be happy to provide documentation showing that it did and does. For some people, present company included, Capital One will respond saying " the information being reported is accurate. therefore, we are unable to remove or modify it. '' I have gotten this cookie cutter response multiple times from different people within their company. It is frustrating because I know for a fact that is n't true. Their company can and does remove negative information, which is accurate, for some of their customers. I personally know of several, so there are likely a lot more. XXXX people can contact their executive office with the same request to remove negative information from their credit files. XXXX will get approved without any challenges, the other will get denied with Capital One claiming they do n't modify or remove accurate information. Even the guy I spoke with today at Capital One did n't deny that Capital One removes negative information for some people, but not for others. He would not elaborate on how they come to their decisions. This has me concerned because it 's entirely possible, even likely, that Capital One is engaging in discrimination. How can they say they 're not? If XXXX people submit the same goodwill request requesting that Capital One remove negative information, and XXXX is approved while the other is denied citing the law or their own policies, how can they say that is n't discrimination? There is some set of criteria they are using to view XXXX customers differently, outside the scope of their goodwill requests. I would like to know what that is, and the public has a right to know.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been going through financial hardship since XXXX. I have a mortgage loan and my lender denied me a making home affordable loan modification application in XXXX. My hardship continued and my lender offered me foreclosure alternatives. I decided to list my property for a short sale with a broker in XXXX XXXX, my broker was referred to the bankruptcy dept every time he wanted to discuss my property. The lender claimed that the property was not available to be sold until it is cleared from the BK dept. In XXXX XXXX the bank cleared my property and in XXXX they sent me a notice of default. My broker had a cash offer from a buyer and he started the process of the short sale by presenting the package documents to my lender who took their sweet time in responding to my broker 's phone calls and e-mails. A month went by while the bank reviewed the offer and they responded with a counter offer to the offer that we had. The buyer at that time accepted the counter offer and my broker submitted the acceptance, but the lender did not respond for days to my broker 's emails while a foreclosure sale date was approaching on XXXX XXXX. The lender sent me a letter denying the short sale due to my inability to obtain the bankruptcy court 's approval of the short sale. I was forced to file bankruptcy on XXXX XXXX, XXXX due to the lack of response from my lender. They waited to the last day to respond and deny the short sale offer that my broker had. The foreclosure sale date was moved to XXXX, XXXX and the property went for sale with no bids at the sale. The property went back to the beneficiary.

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 01-03-2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Company did n't provide written notification of this debt or right to dispute. I called on XX/XX/2017 after a leasing agent said that this debt showed up on my credit as a broken lease despite written notice provided 6 months prior to move out to original property owner. When contacting IQ, a rude agent named XXXX and his even ruder " supervisor '' XXXX refused to furnish any information in writing regarding the debt and declined to make settlement for speedy resolution. XXXX then tried to extort a larger payment by saying that only paying a higher amount would be deleted from the credit report, despite the fact that the negative information should n't have been put on my credit report to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan has been serviced by Green Tree Servicing for over seven years, they just changed the name to XXXX but their customer service shows no improvement. My HO insurance premium is due on XXXX XXXX of each year but every year they pay it upon receipt of the insurance company bill, usually thirty to forty five days ahead of time and if I need or want to make any changes to the policy or go with a new company I must cancel the policy, wait fifteen days for a refund from the insurance company, return the refund to Green tree and in the mean time get another policy and pay it with my own money because the escrow at Greentree has already been debited for the premium. I have asked them to please allow me a few days to review the policy several times, the last time on XXXX XXXX, 2015 via email and I received an acknowledgment to my email on XX/XX/XXXX. Today, XXXX XXXX, 2015 I received an unsigned letter from customer service denying my request. I have contacted the Florida Division of Insurance on this issue and banks and loan servicing agents DO NOT HAVE TO PAY UPON RECEIPT way before the renewal date from the insurance company bill. I am a retired accountant who worked in Banking twenty five years and I know that Green Tree/XXXX is not being truthful. They display the utmost disdain for customers in terms of reply time and customer phone service. Please see if you can help me, they are hurting me financially by forcing me to pay a new policy out of my own resources in addition to all the paper work created by cancelling a policy, getting the insurance company to refund me the premium, having me return the premium to Greentree and then waiting until they pay the new or modified premium. By golly, if this is not stupidity I honestly do n't have a word for it. PLEASE HELP ME. 
Thank you so very much.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.

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 07/18/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Over XXXX phone calls in last appox 120 days. I advised them when returning phone calls of bankruptcy ( XXXX 2014 ) discharge. Supervisor said i was crazy and I initiated all phone calls.I have ignored the calls, but i am getting calls now early a.m on weekends. They also read me my attorney 's name address and number without my providing it, so they know of my discharge info without me giving them details. Portfolio Recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion continues to allow my report to be accessed by not locking my report immediately after. I have documents that support XXXX requesting Transunion to remove the Inqs, XXXX is fraud hence they removed the accounts so the Inquiry remaining makes no sense, XXXX bank XXXX TIMES! thats absurd I just opened a checking account, XXXX a " XXXX XXXX '' which appears to be a dealership in XXXX XXXX!!!! How derelict can they be! REMOVE THESE INQUIRIES IMMEDIATELY AND SEND ME MY REPORT ALONG WITH A PROPER INVESTIGATION. 

SEE THE ATTACHED AND REMOVE THE INQS

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have called this medical company to let them know that I do n't know anything about about this bill, I have never had any type of medical treatment whatsoever I always have medical insurance I needed to go to the hospital or any medical facility it would be paid for through my insurance so I know for sure I did not have anything to do with this. It 's ruining my credit for the amount of XXXX the company is called Debt recovery Solutions. I have tried communicating with them and they are not trying to listen to my side of story they are very rude and hard to deal with every time I dispute it with XXXX they always put it back on after it can delete they 're playing with my credit report I have no help.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Mortgage (FHA mortgage) with LoanCare, LLC (SC).
Issue: Trouble during payment process

Complaint: I purchased a new home in XX/XX/XXXX. My mortgage was immediately sold, as is usual, to a company I had never heard of - LoanCare , LLC. I paid them normally and as expected until XX/XX/XXXX. Then I received a statement from them, dated XX/XX/XXXX, stating that my Escrow account was in a negative by $ XXXX. This negative account amount meant my monthly mortgage needed to raise by {$350.00} to have enough in it to cover taxes again by XXXX, XXXX. According to their own statements, it was because my county taxes were paid in XX/XX/XXXX for an amount of {$2700.00} even though the projected amount to that point had been {$1000.00}, and the bill they received from the county tax office was only {$910.00}. The tax office refunded the overage, LoanCare 's website and statements show they have received that refund and my new Escrow account estimate was changed to reflect that and is no longer in a negative ; however, since they are still " projecting '' a tax amount of {$2700.00} again for this year they are still raising my monthly mortgage to cover the projected amount. I have an email from the Tax Assessor 's office stating that the mortgage company paid more than they were billed for - that they paid the 6 % rate for a secondary property instead of the 4 % rate of primary residence that I was actually charged for. The mortgage company agrees that they have that information, but because the previous owners rented the property out and were charged the 6 % rate, they are projecting that I will be charged that even though they admit to having all the documentation needed to see that I should not be charged that amount this year and they overpaid and were refunded that amount for last year. I have emailed and called LoanCare several times. Every call was recorded by their office. I can not afford the raised mortgage amount and there does not seem to be any reason for it to have increased in any way. I do not believe that what they are doing is legal, or at least ethical. Any assistance on this issue will be appreciated. 
Thank you, XXXX XXXX XXXX XXXX

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 07-11-2016 about Debt collection (I do not know) with Miller, Stark, Klein and Associates (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Someone from Miller Stark Klein calls me several times a day, every day, at my place of employment in XXXX. 

The callers refuse to tell me why they are calling, saying only that it 's regarding " a complaint '' and that they are going to " file charges. '' The caller then insists that I confirm personal details like my birth date, address, and Social Security Number, which I refuse to do. They wo n't tell me what the " complaint '' is about or anything else about the issue. I was told that the call was being recorded and " would be used in court. '' They called back immediately ( within a few seconds ) after I hung up. The last person I spoke to gave her name as XXXX XXXX. The number on my caller ID displayed as ( XXXX ) XXXX, which is an Illinois number, but she claimed to be calling from North Carolina. When I hung up, she called back immediately ( not XXXX seconds later ) and continued to harass me ; the caller ID then displayed XXXX XXXX XXXX XXXX. 

I have told them more than once that they are calling my place of business and to stop calling me there, but they continue. I also told XXXX XXXX that if the debt is legitimate, she needs to send a letter to my address on file detailing the situation. She refused. 

These calls are being made to my place of business and need to cease. If this is indeed a legitimate debt ( and I 'm assuming it 's a debt, not some other type of " complaint '' ), this company needs to send written details to my address on file.

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 11/15/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have filed a validation dispute with XXXX, Equifax and XXXX regarding Bankruptcies that are listed on my credit report. After filing a validation dispute requesting proof that this debt belonged to me, I received a letter in the mail stating that this debt was confirmed and is said to be my debt. I then contacted the Bankruptcy courts who then advised that they do NOT confirm any debts with the credit bureaus. I would like to know exactly who or how they verify debts for any individual, without proper documentations. I also requested a second validation and was told that I would need to provide additional proof to validate any information on my credit report. I would like this information removed from my credit report because the Bankruptcies were never verified and the credit bureaus are lying to the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Other

Complaint: Care Credit, also known as Synchrony Bank, will not allow me to pay my accounts online due to requiring an updated phone number. In this field, it states a phone number is required. It also has a disclaimer, that you can not opt out of, stating the consumer grants permission to Synchrony/Care Credit to call cell phones. I spoke with customer service and they would not give me a way around this prompt so I could pay my bills online.

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 06-02-2015 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I have had a PayPal account for about 8 years now in good standing. Recently my account was locked and all of my funds are unavailable while it 's locked. They say they WILL NOT under any circumstances unlock my PayPal account or give me access to my funds until XXXX debts are paid from old PayPal accounts that do not even have my name on them, they are not mine and never were mine. This is in complete violation with the Fair Debt Collection Practices Act. I can not have my funds held and my account locked because of somebody elses debt. This is also defamation of character to insinuate that I actually abused their service somehow and in some way am attempting to avoid a debt or steal money. This PayPal account is what I use to run my business to earn a living to feed my family. It is utterly shocking that a company can do this to myself and many others with NO repercussions what so ever. I searched the internet and it seems that all these practices they are doing like this are in violation of XXXX thing or another, so why is this company continuing it 's underhanded practices without paying every time it 's found that they are in violation? This is enough to make anybody sick. ( I have not retained council, YET ), but I do have a legal team for my business and they are pushing me to sue instead of making all these attempts at getting a resolution. I hope this gets fixed because we are calculating ALL damages on a daily basis and right now we are already into several thousand dollars and XXXX lost employee. This is libelous plain and simple.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed my inaccurate XXXX item with TransUnion. It was inaccurate because the high credit amount was different from the balance. Both have to be the same amount if the past due amount is XXXX, which it was. Anyone could look at the item and see it was inaccurate, without information from the furnisher. TransUnion made no effort to investigate. Please delete this item.

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 03/15/2016 about Mortgage (FHA mortgage) with Selene Finance LP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have been ordering a payoff statement from Selene Financial since XXXX XXXX and still have not received it. I need the statement to complete my refinancing. Today ( XXXX XXXX ), Selene told me it would be another week ( 5-7 business days ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My mortgage was transferred to XXXX XXXX XXXX XXXX on XX/XX/. Because I was in the process of a bankruptcy when my mortgage was transferred to XXXX XXXX XXXX XXXX, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with XXXX XXXX XXXX XXXX XX/XX/XXXX that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my XXXX XXXX XXXX representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.

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