milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I recently filed a complaint XX/XX/XXXX which we thought was resolved in a repayment plan, and a removal of the negative credit reporting all was good til XX/XX/XXXX when they reigned and put 11 past due payments on my credit report, and this from a supervisor who felt bad about what greentree did to me, well just goes to show you soon as you close a case they turn back to thee old ways. all agreements of the repayment plan are in my first cmplaint case # XXXX which i printed off your site also for just a occasion. I am also in touch with other agency 's regarding illegal transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (VA).
Issue: Managing the loan or lease

Complaint: I leased a vehicle from ALLY, paying all payments on time. In turning it in, ALLY lost the vehicle for several months. It sent me a final invoice that included rent for the months that the vehicle was lost, excess wear, mileage and excess taxes that ALLY paid incorrectly. I disputed the charges but ALLY could not provide back-up evidence, including the odometer statement showing mileage on surrender of the vehicle. Instead, collection calls immediately started-night and day. I discussed settlement of the invoice and I was told that would be possible. I sent an Accord and Satisfaction with a check that was immediately cashed, but aggressive and illegal collections resumed, including reporting to the XXXX credit bureaus. I called the ALLY CEO and General Counsel, but they will not return my calls. I sent them a letter advising that the company was violating consumer protection laws. I copied the executive compliance officer. The amounts due are inaccurate and collections violate the Accord and Satisfaction accepted by ALLY. One of the terms of the agreement was that I would retain a positive credit rating. The vehicle was turned in properly and all payments were made. ALLY is violating the terms of our agreement and State and Federal Consumer Protection laws. These intentional violations are a result of a " tone from the top '' of the executive leadership, including the CEO, General Counsel and Compliance Officer.

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 09/20/2016 about Mortgage (Home equity loan or line of credit) with Real Time Resolutions, Inc. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Real Time Solution a debt collection agency is attempting to collect on a 2nd Mortgage ( Home Equity Line of Credit ) on a mortgage initially established with XXXX XXXX XXXX. The mortgage was a conventionally mortgage with a XXXX split. As a result of the XXXX XXXX XXXX experienced XX/XX/XXXX the properties went into Foreclosure XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX who bought XXXX allowed the mortgage to go into foreclosure and I have been severely Financial Damage with a XXXX Credit Rating ever since this happen.. I attempted a loan modification on the original loan ( 1st Mortgage with XXXX XXXX XXXX but they mess up and delayed the modification and the homes went into Foreclosure. XXXX XXXX XXXX charged off the loans, and then XXXX XXXX XXXX bought the debt from XXXX XXXX XXXX and attempted to collect on the debt which was charged off by XXXX XXXX also, then XXXX tried collecting on the Debt and eventually charged off the debt. Now Real Time Solutions is doing the same. The financial structure established by XXXX has been haunting me since XX/XX/XXXX. 
The action of XXXX XXXX further harm and destroyed my Credit Rating. The home equity line of credit was a form of creative financing so I could get a loan that I did n't qualify for and funds I did n't receive. When the property was Foreclosed on by XXXX XXXX XXXX, I lost everything. 
The property was located in XXXX XXXX SC which is not my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: We mailed a check in the amount of {$1000.00} to a vendor on     XX/XX/XXXX .   This check was stolen, endorsed & cashed by an individual at a  XXXX  branch. We then completed an " Affidavit of Unauthorized Endorsement or Altered Item '' form submitted by Chase bank on     XX/XX/XXXX . Sub sequently, we 've pursued our inquiry about the status of this claim monthly - but each time we were told that the matter is under investigation by  XXXX  and that  Chase  is still awaiting a response. Yet, today- a fter four m onths of waiting- we received a letter informing us that this matter was closed because we failed to supply them with " previously requested additional information. '' This  is incorrect- the 2 page  form emailed to us was completed, notarized and mailed as instructed. When we called  Chase to question this letter - they were unable to tell us exactly what was missing. Instead we were advised to resubmit the forms again. Which means they 'll commence this process over again. HELP!! Clearly, a check that was endorsed by an individual when it clearly was issued to a Company should never have been cashed. At this point, we believe we are being stonewalled in an attempt to thwart the return of our money or to discourage us from pursuing this further. Chase has refused to credit the money back to our account until the " investigation '' is completed. Chase states that the entire process can take up to 120 business day. But if we have to resubmit it will take an additional 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Managing the loan or lease

Complaint: In XXXX 2014, I took out a {$5000.00} personal loan with Cash Call, Inc. The terms of the loan are egregious and predatory. My annual percentage rate is 116 %. The cost of my loan, according to my contract is {$35000.00} and the total cost, if payments ( 84 ) are paid according to schedule, will be {$40000.00}. My monthly payments are {$480.00} ( with exception of my first payment which was {$640.00} ) and are debited from my checking account each month. After making payments on my loan for the past two years, I find that as little as XXXX cents a month has been applied to the principal amount of my loan. Currently, less that {$3.00} per month is applied toward each payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: The school was charged with fraudulent practices in obtaining student loans. The student loan amount was reduced. The company that held the student loan agreed to an income based repayment as the student did not have a job. The company that held the loan sold/transferred the loan to another company. The new company sent multiple statements to the borrower and the cosigner with differing amounts due, requesting remittance to names of companies, but with the same address. Both the borrower and the cosigner tried to reach the company by phone, but could not reach an agent. Both the borrower and the cosigner attempted to contact the company on-line but could not reach an agent and no response was given to emails. The cosigner sent payment for the amount agreed upon in the income based repayment agreement with copies of the agreement. The new company did not acknowledge, though the check was cashed. The new company sent multiple past due notices to the borrower and the cosigner. Both the borrower and the cosigner again attempted to reach the company by phone but could not reach an agent. The cosigner sent a certified letter on behalf of both the borrower and herself asking that the company make contact and communicate about this confusion. The return receipt came back showing that the letter was recieved by the company and signed by an agent of the company. Neither the borrower or the cosigner recieved phone call, email or letter in response. The company again sent past due notices to the cosigner and the borrower, this time with also with differing amounts compared to previous statements. The borrower and the cosigner informed the company in the certified letter that without clarification and communication from the company, no further monies would be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Student loan (Non-federal student loan) with RMS-Recovery Management Services, Inc. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: When enrolling in the school I was notified how much I would need to take out in terms of federal student aid, and was also told I had to take some private loans from the school because the federal aid would not cover my education. I was not sure why I had to pay while I was going to school, as I assumed loans were to be payed after you finished school, but they required payments from me monthly while I was attending, which did not help me financial situation. I took out over {$25000.00} in federal student aid which I am currently repaying. I quit going to school at the beginning of the semester because of unforeseen financial hardship and soon began to receive calls and letters from the school stating I had a balance with them. I was unaware of this balance as when I logged into my account on the schools webpage, it stated my balance was {$0.00}, yet I kept receiving phone calls and letters stating I need to pay over {$2500.00} to which I had no idea about, or where it came from. When I finally spoke with the school they stated I needed to pay up. I told them I could not repay it all at once, and could only make a payment of about {$400.00} at the time, to which they did not seem to like, but I did so anyways. I had some trouble making payments from time to time so they sent me over to a collection agency to which I set up a payment plan with. While making my payments on time, I kept receiving calls and letters from them stating I needed to contact them asap. When I finally had the time to do so they would not respond. I attempted to call the phone number provided on the letter I received to only receive an empty dial tone like it was not in service. I also attempted to email them and still no response. I am now getting this reflected as negative points on my credit history and I do not know what to do about it. I can not contact the company, nor can I pay them. And I still do not know what this loan amount is for. I have been reading about scams this school has done in the past, and do not know if these are legitimate statements made but it worries me they are preying on me and trying to take money from me I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: My bank confirmed that CoinBase withdrew funds from my bank account via wire transaction. The deposit has not shown up on my account and is 3 week late from the stated deposit date and 4 weeks late from transaction date. CoinBase has told me multiple times that a wire transaction may take 3-10 days to process but a month is too long and worrying. My bank also stated it was a transaction and not a transfer - Trans. Description : XXXX. My CoinBase Reference code : XXXX for the transaction. 

Date : XXXX/XXXX/XXXX @ XXXX XXXX PST Amount XXXX ETH @ {$460.00} per ETH. 
Fee {$7.00} Subtotal {$490.00} Total {$500.00}. 

I sent in 3 emails, support requests and feedback but have not received anything but automated responses for the last 2 weeks. I have also called and have not been able to resolve the problem through their customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Other debt) with AFNI INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On    XXXX   XXXX     2017  I faxed a letter requesting validation of debt under my name and social security number, bearing a contract signed by myself in agreement to pay the debt owed. I received a letter from said collection agency stating they have validated the debt using a past due bill. I have no contract, no dealings, with the collection agency. The bill is not proof of contract to show that I entered into any obligation with the company and I have proof that I was not associated with the address listed on the bill sent as proof of " validation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with Midwest Recovery Systems (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This collection agency is n't licensed in my state and I am requesting it to be removed from all three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Charged fees or interest you didn't expect

Complaint: Received a letter, XX/XX/XXXX citing that Wells Fargo " collected an incorrect amount related to a title fee at closing '' dated XX/XX/XXXX. A check for {$96.00} was issued with no mention, redress of interest that would have accumulated on this amount. 
As a banking institution -- for them to have made the " error '' in their favor, and to have not issued a refund INCLUSIVE of interest, not to mention paying a penalty for charging me fees related to titling but not doing so correctly, is egregious. I made a call to the company and as the account has been since closed for many months, it took over 32 minutes, 4 times on hold and 2 different representatives to get the standard " we will look into this and get back to you within our usual 10 business days to see if we can pay the interest. '' These institutions NEED TO BE HELD ACCOUNTABLE!!!! They are in the business of MAKING money on interest, and yet withhold my money, based on their own accounting error, and have no accountability for paying me, apologizing, and wasting my precious time since I am a conscientious customer who does not want these practices to go on un-checked for my fellow Americans. PLEASE help us punish these financial institutions when warranted so they can not continue to take advantage of the busy, and often poorly educated customer!!!!

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 monetary relief
Consumer complaint received 02/13/2018 about Debt collection (I do not know) with Credence Resource Management, LLC (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Credence Resource Management whoever this is totally blowing up my cell phone 7 times to be exact yesterday on XX/XX/XXXX for unknown reasons nothing ever received from them. From multiple phone numbers one being XXXX and not leaving a message etc.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX, there had been several attempts to collect a payment other then the amount I agreed to out of my previous checking account. I called the company and advised them of the situation, I was given a new agreement. I told the company, going forward that I would make the payment directly on line because I no longer trust the company to take money out of my account. So in XX/XX/XXXX I made a one time payment on line from the precious account before I closed it. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating the company had scheduled a payment on XX/XX/XXXX, from the same account ( the one I closed and advised them to no longer process a payment from ). I  called the company in regards to this matter and I was told that I wasn't sent a letter. I identified myself as a XXXX XXXX. I was told there was no account information on my account. I was told there was not payment schedule. I told the representative, I had the letter in my hand and that it had indicated the information i had stated. The representative then tried to tell me that when I made the payment I made the agreement on line to make monthly payments. I advised her I made a one time only payment. We went back and forth for more than thirty minutes. I informed the representative that I was going to have my lawyer call in regards to their procedures and that I wanted to make a payment. The representative then informed me that she removed the information from the website and that she could no longer take my payment since i was going to call my lawyer. I told her that i was not denying paying the balance but i was questions the company 's antics when intimidating paying customers. The representative refused to take my payment and advise me the only way she would take my payment is if I would wring a letter recanting calling my attorney. I refused and asked to speak to a supervisor. After being placed on a long hold, a supervisor answered the call. I identified myself as a XXXX XXXX. I explained the situation and he stated, the only way they would accept my payment was I had to write a letter recanting I was going to contact my attorney. I refused and asked if they could show me that in their policy. The supervisor stated he could not and that was all he could do. He went on to say if I didn't want to hand write the letter that I could go online and submit. I refused and I asked for his boss. After waiting on a long hold again, another representative go on the telephone. He refused to take my payment. Again informed him i was a XXXX XXXX, that I knew my rights as a consumer and that what he representative had stated did not correspond with their on line policy. I advised the representative that I was going to write this letter because of their bad tactics and intimidating ways to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My address is listed twice on my credit report and XXXX of them is incorrect by XXXX digit for an unknown reason. There is no dispute option with the credit reporting company for simply information appearing incorrectly. Please see the attachment of an image from my credit report where the information appears incorrectly. Due to not disclosing any personal information, I will not specify which of the addresses is the correct XXXX, yet. Please let me know how to proceed. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was looking at my XXXX credit report on XX/XX/XXXX and noticed it is still showing XXXX XXXX as open with a balance of {$3400.00}. I paid this loan off on XX/XX/XXXX at {$3400.00}. Why is this still showing up two and a half months later? When I go to my XXXX XXXX account, it shows paid in full with a {$0.00} balance. No doubt this is impacting my credit score. XXXX is supposed to be some sort of great credit monitoring product but I do n't see any meaningful benefit from my membership. After contacting them via email, I never got a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My original complaint against this collection agency was : #  XXXX  The collections company agreed to remove from my credit report and withdraw all claims against me.     When I go into the credit report on  XXXX , it was removed, but now it is back. This should be deleted from their records and removed.     Can you follow up with :  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  (  XXXX  )  XXXX  So they actually do what they agreed to do. This is still showing up on my credit report and they agreed to remove it in the original claim f rom Consumer Finance la st month. They have n't done what they told you they would do.     Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  incorrectly reported late payments to all   XXXX   (  XXXX   )  major credit bureaus  (   XXXX , Experian and  XXXX  ) although the loans were approved for forbearance. Additionally, I addressed this issue with  XXXX  on   XXXX   XXXX    2016 via f acsimile an d US mail to no  avail.

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 01/23/2018 about Debt collection (Other debt) with NRA Group, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX XXXX notes to XXXX that my account was in collections. On XX/XX/XXXX XXXX XXXX XXXX but my account in collection to XXXX. I have both companies listing the same debt I owe on my XXXX credit file. I believe that it should only be listed once. I called XXXX XXXX on XX/XX/XXXX at XXXX and they said when I pay the debt then both companies will remove it from my report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: My Daughter XXXX XXXX ( XXXX ) Signed a Student loan in her 3rd year in college thru Wells Fargo ( Her Bank ). I Co Signed the loan for her to continue her College, She dropped out 6 Months before she would have graduated. She has made payments on this loan since XX/XX/XXXX. This XX/XX/XXXX I began receiving daily phone callers regarding this loan. The callers said they are not allowed to talk to or mail anything to my daughter and I was needed to make up payments. <P/>I have talked with my daughter and she talked to the bank and could not find out anything so we have ignored this per guidance from her bank.

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 monetary relief