milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2016 about Mortgage (Other mortgage) with CountryPlace Acceptance Corporation (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX my wife at the time and I purchased a manufactured home. Country Place Mortgage held the loan. XX/XX/XXXX I separated from her and moved out of the home. At that time she had agreed to pay the mortgage payments. Sometime after that the home was repossessed. I learned of this in XXXX XXXX I believe. Each year since I have tried contacting them to determine what the home sold for and if they were going to issue a XXXX to the IRS. Phone calls have not resulted in anything other than them telling me they have time to decide what they are going to do. They will not even tell me what the home sold for. I have since learned the home was re-titled XX/XX/XXXX to a business or leasing company. Currently they are reporting I owe {$75000.00} to all XXXX credit bureaus. This amount does not reflect properly even if the home was sold for {$1.00} I have recently obtained court documents that show they " served '' me via a 3rd party. The server states they asked if I was an XXXX XXXX Service Member of The U.S or New York and received a negative reply. I am in fact currently on XXXX XXXX in New York and was at the that time as well. Country Place WAS aware of this as I had sent my orders and a copy of the NYS Patriot Plan. I fully understand I will likely owe something regarding this as will my wife as it is a joint account. I am hoping to be divorced as soon as possible. I just need to know how much is pending and if or when they will issue a XXXX to which I would need to pay income tax on. This situation is now causing issues with my security clearance. I had thought I was handling this properly by reaching out to them yearly to ensure whether or not a XXXX was issued or to determine exactly what was owed. Any and all assistance is appreciated regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Money was not available when promised

Complaint: re : Western Union money transfer, XXXX XXXX, 2017, sent from XXXX for XXXX A money transfer was sent to me today as indicated above. When I checked to see if the funds were available on the Western Union web site, it said they were ready for pick up. However, when I went to a bank to claim the funds, I was turned down. When calling Western Union for an explanation, I was told to have the sender call them and was peremptorily stone walled as for any explanation. This is the second incident this has happened with this service. A previous transfer in the amount of {$500.00} was sent to me from XXXX XXXX and I encountered the same refusal to pay the funds. I have no idea what is going on with this company but I am NOT in any way a criminal, drug seller, money launderer, et al, and it strikes me that this outfit is far too overboard in making subjective conclusions based on unsubstantiated " facts ''. This is a complaint I have been hearing from other customers so there seems to be a need for an investigation into how this company is handling its money transfers or have it go back to just sending telegrams!

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EXPERT GLOBAL SOLUTIONS, INC. ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX & XXXX have been chasing me for three years, for a silly amount of money that I no longer owe. I paid them two years ago. Again this year they are after me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (VA mortgage) with FIRST NATIONAL BANK OF OMAHA (NE).
Issue: Settlement process and costs

Complaint: As a new home buyer trying to purchase a XXXX ( Seller ) through First National Bank of Omaha ( Lender ). Neither Seller/Lender communicated clearly what need to be done to locking in a interest rate. In addition, It appeared that Lender intentionally delayed the loan approval process to go beyond the XXXX day lock in period. 

I had just recently been approved by the Lender for a mortgage that fell through because of the appraisal, but they continued to come up with reasons for delaying the new loan request. Also, between loans they where inconsistent on how to lock in the interest rate. The XXXX loan was through a form, the new loan with Seller needed to be locked in via email. 

Now due to my contract with Seller, I have no options to protect myself from this Lender and have to continue the process no matter what the Lender decides to do, even at closing. Of course, I 'm sure the Lender was completely aware of this when I tried to dispute my case with upper management for a reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: my wife received a Settlement Offer for Convergent Outsourcing , Inc. saying that he records of XXXX show that she has a past due balance of {$200.00}. They will settle for {$41.00}. She has n't has XXXX since 2005. We have never received any prior notices. It has not shown on any credit reports. We want to know if this is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing accounts, on the summary page, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever. 

Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt of late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with SYNCHRONY FINANCIAL (IA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I opened a  JC Penny credit card at a JCP store  on   XXXX   XXXX    , at that time they did not tell me that card had a anual fee. Then I left for another country for  XXXX  years. When I came back, I was informed I owed the card {$130.00} annual fee. It was really unfair but I  paid it off. Finally I found this had been recorded in my credit history. It is not my false. JCP has the cheating behavior. I want to remove this charge off record from my credit history.

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 11-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX continues to harass and defame me despite filling out the FACTA and onguard, FTC ID Affidavit by police regarding a cell phone opened in my name. The drivers license was n't even my own nor was the social security number yet they continue to harass and destroy my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Midland Credit called initially called my Work Cellphone without my consent back in XXXX or XXXX of 2015. 
The company called using a XXXX number. 
I noticed I had previously received calls from this number for a week or so. 
I decided to answer this time thinking maybe it is a potential Customer calling and hanging up. 
When I answered this person very friendly and did not identify who she was until a little further into the conversation. 
After I had given her my Bank Account information so they could take money monthly our of my personal checking account did I realize she was from Midland Collection Agency. 
I closed that checking account and opened a new XXXX. 
I have received XXXX letter from them complaining about my checkingaccount not having funds and no phone calls I am aware of Lots of negative activity on my credit report at the XXXX Fraud site I belong to. 
Is there anything else they can do to me because I closed that checking account? 
They are hassling XXXX of my relatives right now so, I am a bit concerned if they would have a leg to stand on in XXXX Court. I feel that this Agent misrepresented herself and never gave this company permission to call my work cell phone before. 
Thank you XXXX XXXX I bet they paid nothing for these XXXX accounts which equal under {$2500.00} together and would be a lot less if they did not add XXXX of dollars in latefees

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America misappropriated 2 months of XXXX of my properties/mortgage payments when they bought Countrywide. Ultimately, with the help from an attorney, the properties came out of default, my credit was cleared, or so I thought, and this was in 2010. Now, I 'm getting ready to refinance the XXXX properties in which I finally have equity, and the exact language on my credit report shows the following language : " Status/Details : This item was updated from our processing of your dispute in XXXX 2010. '' Of course, the new lender wants this off my credit report. So I called Bank of America who told me to write a letter, which I did, requesting them to have the credit agencies delete that language. I followed up with a phone call, indicated by the person I spoke to on the phone. He told me that the address I send the letter to ( overnight mail ) does n't have any phones, so I ca n't call them to follow up in XXXX XXXX. He ( XXXX ) is located in XXXX Arizona. I asked him ; " what can I do? '' He told me ... .you got it, " send a letter to the address in XXXX XXXX XXXX '' I told him I already did, and he then proceeded to tell me they 'll have to research it, and that this could take between 28 and 30 days ; which I do n't have. 
So, my question to you is : If Bank of America is requiring I pay everything on time, which I do, did, and would continue, how come they are n't available EVER to answer my request. 
I can not tell you how incredibly frustrating this is. I hope they all go under in my life time. Sick of banks and the power they hold over small, really good consumers like me. 

Now, my question to you, what can I do? What will you do? or ... ... should I just take another XXXX and forget about it? Eagerly awaiting your answer,

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 non-monetary relief
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GRANITE STATE MANAGEMENT & RESOURCES (MN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Granite State Management and Resources shows me as 90 days late on a payments from 2015.  All  XXXX  credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When I started receiving notification on recertifying my income contingent plan, in XX/XX/XXXX, I went to the financial aid page and completed the application and submitted it. Apparently Navient disapproved the application because I " submitted it too soon ''. I do not recall receiving an email on it, so I assumed I was all set to continue my plan. In XX/XX/XXXX, I checked my account and noticed my payment was going to increase by {$200.00} a month. I checked my messages on my Navient page and found a letter regarding my application. I reapplied, just making the deadline, and thankfully am approved now to continue. This would have caused an extreme hardship had I not been dilligent at checking my auto pay amount twice every month.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Medical) with Credence Resource Management, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: credence resource management LLC XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX tried to collect on a debt that was on my recent bankrupsey. I gave him my attorney name. it was a medical bill for XXXX XXXX. Their phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CT).
Issue: Account opening, closing, or management

Complaint: Wells Fargo closed my checking, savings, and credit card accounts due to being unhappy with me for depositing Money Orders into the account. I worked with a banker at the Wells Fargo in XXXX XXXX CT XXXX XXXX. She called several times regarding the matter. My complaint focuses on the checking issue and refunding my balance. She was told and relayed to me that my account would be closed as of XXXX XXXX and a check for my remaining balance would be sent to me. After waiting a few weeks without any check arriving I returned to the XXXX XXXX Wells Fargo and XXXX XXXX called again. During this phone call it was 1st relayed to me that they would contact the agent who was handling my case ( they would not give me the name ), then put me on hold and then told me Wells Fargo was keeping my balance! After being escalated to an executive custome service person I was then told the agent would be contacted again. I shared my concern about hearing several different stories over the past weeks but the only answer was that they would contact the agent and I could call back. Due to hearing several different stories and the amount being XXXX, I feel I have no choice but to file a complaint in order to get my money. I informed Wells Fargo of my intentions. While Wells Fargo may be unhappy with the deposit of several money orders, I have done nothing illegal. The funds have cleared from XXXX XXXX, and Wells Fargo is simply holding my money hostage.

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 09/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I consolidated my loans several years ago for a lower interest. Since then I have been making regular payments bi-monthly for more than XXXX years via automatic payments. In XXXX Navient received XXXX of the payments, and then returned the funds to my bank two weeks later without crediting my account, immediately before they accepted my next payment. I discovered this and contacted Navient. The representatives said they could not help me but would investigate and have someone call me back. 

I received no callback, but did receive a letter stating that because of the missed payment my interest rate was being raised because of the missed payment. When I called again I was told there is no department or person to handle disputes. All I can do is send in the documents from the bank showing the payment and refund. They can not tell me what they might do with the information other than forward it on to the payment department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (CT).
Issue: Problems caused by my funds being low

Complaint: TD bank overdraft fees - set up new XXXX new accts, XXXX saving & XXXX checking with debit card. I was clear I only wanted too use money on my card, but in signing all paperwork I did sign off on overdraft protection. XXXX weekend I had XXXX debit withdrawals ( all under {$15.00} some only {$2.00} ) - they were not deducted from avail cash and all processed on Monday, using the highest amount XXXX ( not the dates of withdrawal ) thus creating {$170.00} in overdraft fees. I went to bank to XXXX ct branch and spoke to branch mgr & Vice President, XXXX fee was removed but would not remove {$140.00}, my mentor then went too see her and was told " it 's all his fault, not the banks, and perhaps we need to due a better job teaching life skills, and maybe he should n't be on his own yet " we 've exhausted all avenues with bank, with no help because they all refere too what this Vice President put into acct, our last conversation was with a customer service supervisor ( XXXX ) that told us nothing could 've changed because it 's all done by computer algorithms.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech collects escrow monthly ( {$240.00} ) as part of my mortgage. On XXXX XXXX, 2016 I received a letter from my county stating I was deliquent in paying my taxes. I immediately called Ditech and their process for verifying that they in fact collect money for an escrow account was obsurd. They said to verify this it would take 14 business days and they would need to submit and review this by " research ''. Fast forward a week, and quite a few phone calls on my part, there was a resolution. The would in fact lay my {$2400.00} tax bill from my escrow account and they would charge me {$66.00} in interest because I was not an escrow consumer and, as per my request on XXXX XXXX, became XXXX. This is untrue. They have collected escrow since I bought my home in XXXX. These people are liars, sneaks, and impossible to deal with. They sent the issue back to " research ''.

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 01/18/2017 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Managing the loan or lease

Complaint: I was notified that Honda Fin. overcharged me on several accounts 5 in total.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: It is not the denial that is the issue. i was told that if I applied and got denied for that term I could apply for a different term and not re-run my credit. Well i was going to add my husband and all of a sudden they wanted to re-run my credit. I didn't do it but I wouldn't have let them in first place and why i asked, they said my credit was good for 30 days then that changed. This same bank ran our credit twice for a mortgage loan. these multiple hits hurt us and I do not agree with this.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Loan servicing, payments, escrow account

Complaint: Since the purchase of my house throughout the tears I have been switched mortgagers several times. My newest one is Nationstar, recently through filing an insurance claim due to a hailstorm I found out that the previous insurance company I had always been insured with had been dropped because it had not been paid. Money for them was set on escrow and so they should have been paid. Bc of the drop I was assigned another company which is completely expensive. 
My claim is geared towards Nationstar for not paying XXXX XXXX XXXX and therefore getting me dropped from their service. The money was there. I will not accept this change due to the irresponsibility of a company that should be taking care of me! But of course, is very punctual when it comes to requests of getting paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Hello. I owned a home ( XXXX ) back in XX/XX/2013. The home went into foreclosure. I packed up all of my belongings so that I could pick them up before the locks were changed. When Chase informed me that the locks had been changed and gave me the passcode to the drop box, I found that the vendor that changed the locks stole personal items. Chase told me I had to file a police report. The Police could not come out to make the complaint because the mortgage company no longer allowed me access to the house after that. I do not know where else to direct my complaint to since it is difficult contacting Chase.

Company response to consumer: Closed with explanation