milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: This is my third application to Ditech and formally name Greentree for a mortgage application but this company only delays and gives excuses for modifying loans but will not do the necessary work instead and trying to run out the clock. I submitted the application for a modification two months ago as well as the documents they requested. I told them the only documents I can not provide are taxes for 2015 because they have not been done. But I signed the transmittal. I sent in my pay stubs and all other documents. The say that my application is incomplete. They call my number 100 times a day but not about the loan modification which by law they are require to do but for payment for an ever increasing rate for the loan which is about to reset XX/XX/XXXX. I am having a difficult time paying for it now so I want to modifying before it becomes even more difficult for me to pay. I have asked them for the payment schedule for the reset. But they decline to provided me with the information. For the past 3 months, my Client Rep have changed -- the latest person I see is XXXX XXXX who just calls and hangs up. This company is just trying to foreclose and not helping in my situation even though they are require from law to help. I am enclosing the most letter the sent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I originally sent EXPERIAN a dispute letter regarding 6 late payments to XXXX on XXXX XXXX. ( XXXX letter for each late payment, 6 letters total. ) I asked for any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. They responded with an updated version of my credit report simply verifying the information without proof. 
I then sent out a second letter dated XXXX XXXX, giving them 15 days to do a reinvestigation in hopes of getting this issue resolved. They did not respond within the 15 days which is in violation of the FCRA. 
I would like your help with this issue. 
Thank you

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 01-10-2018 about Mortgage (Conventional home mortgage) with GOLDMAN SACHS BANK USA (IL).
Issue: Struggling to pay mortgage

Complaint: I am writing to you to determine whether my mortgage situation with Goldman Sachs falls under the purview of the XXXX XXXX XXXX. 

In XXXX XXXX, I refinanced my home with XXXX XXXX XXXX Mortgage. Six months after the refinance was finalized, my loan was sold to Goldman Sachs. XXXX XXXX has admitted the selling of loans during that time was a regular occurrence. XXXX XXXX continues service my loan. I can assume that based on possible redlining, my mortgage would fall under the subprime category and would have been attractive to Goldman Sachs.

The Statement of Fact from the DOJ settlement, states, For principal transactions, Goldman purchased groups or pools of loans from third parties prior to securitization. XXXX bought pools of mortgage loans from numerous lending institutions, or originators. These originators included XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and others. Goldman acquired the loans through two primary channels : ( 1 ) bulk purchases of large portfolios of loans, and ( 2 ) acquisitions of smaller volumes of loans through Goldmans conduit program. 

The loan originators identified are those banks would later become major suspects in the home mortgage crisis. Although not named, Im pretty sure that loans from my lender XXXX XXXX were included in the Pool. 

I have confirmed with XXXX XXXX that Goldman Sachs is the primary investor on my mortgage. I have tried unsuccessfully ( in prior years ) to locate anyone within Goldman Sachs who was willing to discuss any type of relief for my situation. 

My property is distressed and underwater. During the height of the crisis, the foreclosure rate in my community was astronomical. Yet, I endured. My property value slide from a f $ XXXX to $ XXXX in the matter of a few years. However, I faithfully paid my mortgage on time. I believe that I am too impacted as a result of my relationship with Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from PennCredit that was paid through the original creditor so you should not be attempting to collect on a paid account. 

Paid directly through XXXX confirmation tracking number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Credit card debt) with Atlantic Credit & Finance, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: My husband received crepeated calls today   X/X/17  from a lady that stated she was a debt collector and wanted to know if my husband 's wife ( being myself ) was embarrassed about a credit card debt that I have received no notifI cation about. They have not contacted m e until today when my husband tells them to contact me. I asked what this was for and for what charges. The lady responded with " our computers are down so I ca n't see the charges ''. I then asked that documentation be mailed to me personally and the response I received was that she could email me ( which I still have n't received ) I want this harassment to stop.

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 04-03-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: After reviewing my credit report, I contacted XXXX, Equifax and XXXX regarding XXXX reporting inaccurate information on my credit report. According to my recollection, it 's been more than 7 years since the account was paid. I requested all XXXX credit bureaus investigate the account and remove the outdated account. After XXXX, Equifax and XXXX refused to remove the accounts, claiming they have verified, I contacted XXXX on XXXX/XXXX/XXXX to request verification and documentation on the account. XXXX responded XXXX/XXXX/XXXX by simply stating the account was verified but did not provide me any of the account information that I requested. On XXXX/XXXX/XXXX, I contacted XXXX, Equifax and XXXX requesting a 3rd time that they properly investigate and verify the information on the account due to XXXX not being able to provide me with any information on the account or any records. XXXX/XXXX/XXXX the credit bureau responded the account was verified and did not provide me with their method of investigation as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind with my mortgage payment with Wells Fargo because my income has dropped by 20 %. also my expenses have increased. I have XXXX children in colleges. I am trying to provide them with the best education for their future. I tried to apply for loan modification several times with Wells Fargo. The XXXX time I was denied because the investor does not participate in HAMP. I filed a complaint with Attorney General. I was asked by Wells Fargo to reapply for modification. I applied again in XX/XX/XXXX I was approved for XXXX trial payments XXXX and XXXX trial payments were {$2600.00} but XXXX trial payment was in the amount of $ XXXX I ca n't believe they had the nerve to offer this deal to us- We do n't have that kind of money - We reapplied in XX/XX/XXXX was denied because they do not have the contractural authority to modify your loan because of limitations in their servicing agreement. Attached is both the approval and the denial letter from Wells Fargo. I strongly feel I am being treated unfairly by Wells Fargo and XXXX ( the investor ) - I am asking for your help to find some type of solution to save my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I 'm disputing this bill in the amount of {$320.00} from Doctor 's Business Bureau a debt collection agency trying to collect on a bill from XXXX XXXX, which should have been billed and paid by XXXX. I have also attached information proving I had Florida state XXXX at the time of service. It seems as if XXXX XXXX decided to bill, me because they could receive more money, because XXXX would only pay a smaller amount per contacted rate. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX my PayPal account ( created since 2014 ) was limited due to several key points or issues. It was done during the purchases of urgent necessities for my work. They claim that my account is linked to another account created under my name after I created this one. 

They have on hold {$41.00} and caused a contract ( due to unavailability to purchase online digital goods such as servers for hosting and web domains ) to be broken on my part for the amount of {$630.00} for my online services. 

They claim there is an amount due ( not disclosed by them ) and an account with my personal information ( details not mentioned by them such as email address, name under the account, phone number, etc ) I demanded the case to be elevated to fraud for a possible identity fraud, however, I 've received no additional communications from them. 

I 've been attempting to contact through phone 2 times with waits longer than 1 hour and  30 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Advertising and marketing

Complaint: On XXXX/XXXX/XXXX, Citi advertised " Earn XXXX bonus ThankYou ( R ) Points after you spend {$0.00} in purchases with your card within 3 months of account opening redeemable for {$200.00} in gift cards '' I applied the card but citi never honored the signup bonus. I give Citi 6 months to resolve this issue and eventually the falsely claimed I was not eligible. 

The application was submitted on XXXX/XXXX/XXXX with Application Id : XXXX Response from citi Date : XXXX XXXX, XXXX XXXX EST Please be advised that because this offer was posted online in error we are still working to resolve this issue ; only the account that were was opened during the time in which this offer was advertised will be eligible for the bonus points. The adjustment of bonus ThankYou Points for applicable accounts is scheduled to occur during the XX/XX/XXXX billing cycle. 

XXXX XXXX, XXXX XXXX EST The resolution regarding the promotional offer that was posted in error was scheduled to be corrected by XX/XX/XXXX. Unfortunately, this has been delayed and the bonus Thank You points will post to your account XX/XX/XXXX. We apologize for any inconvenience this may have caused. 

Date : XXXX XXXX, XXXX XXXX EST We understand your frustration. 

At this time, the Thank you point have not been awarded. This concern is still under investigation. If awarded the points will be shown on the billing statement. 

We appreciate your business and value you as our customer. 

Regards, XXXX XXXX Senior Account Specialist, South Dakota Date : XXXX XXXX, XXXX XXXX EST Our records show the offer to earn XXXX bonus Thank You points if you spend {$0.00} was posted in error from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. Only accounts opened during this timeframe were eligible for the offer. We show that your account was opened after the offer was removed.

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 09-04-2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (AR).
Issue: Managing the loan or lease

Complaint: Loan paid in full on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Payday loan debt) with Financial Credit Service, Inc. (TX).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: This company debited my card XXXX for a debt I did not owe. They continuously harassed me and my sister. They threatened to send the sheriff to my job. They discussed the debt with someone who was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: 1. I do not recognize the following hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2. My credit limit of {$20000.00} with the following creditor is not reported ( it's a Personal Unsecured Line of Credit ) : XXXX XXXX XXXX Account Number XXXX Balance {$0.00} Date Opened XX/XX/XXXX 3. This name associated with my account is wrong : XXXX XXXX Name ID # 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 01/31/2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was in the hospital in XXXX of 2015 I XXXX, I was taken to XXXX hospital in XXXX, Calif and XXXX to the XXXX in XXXX, XXXX where there I was in a XXXX for three weeks. I am a XXXX patient and they have paid all of my bills and pre approved my stay. I received a bill from Healthcare Revenue Recovery group. Stating that I owe XXXX and if I do not pay it in 30 days they are going to file a judgment against me. I have called them at first they were not going to give me the creditor information, I have called all XXXX hospitals and physicians and all have said I have a XXXX balance. I do n't know what this is but a scam, and now they have my information please help me.

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 04-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: {$22000.00} in student loans were originated/became payable in XX/XX/XXXX. 
Between XX/XX/XXXX-XX/XX/XXXX payments were made for 3-4 of these years. Forbearance 's were used 2 times. From XX/XX/XXXX-XX/XX/XXXX my tax returns were garnished XXXX %. 
These payments amounted to roughly {$9000.00} 2 months ago I found out that in XX/XX/XXXX, with out my knowledge, these loans were charged off, with insurance paying the balance. At this time the loans were re-originated with out my knowledge at {$19000.00} Since then I have repaid roughly {$5000.00}. 
One payment in XX/XX/XXXX for {$1200.00} still has not been credited. 
I have been in phone contact with navient several times a week for 4 months. 
They refuse to discuss the pre-XX/XX/XXXX payments. 
In XX/XX/XXXX I told them they would get {$1.00} a month until these previous payments are properly credited. And it is determined whether or not I am still responsible for these loans. 
I do n't believe I am. 
Also, Am I entitled to a refund of payment since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-02-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Settlement process and costs

Complaint: I refinance with a mortage company that promised that insurance and taxes were included in the total monthly payment, however they purposely failed to tell me and my wife that taxes and insurance were only included for the remainder of the year and that we would be responsible for paying taxes and insurance after the first year in addition to our new mouthly mortage payment. That financially destroyed us. I believe they described this as a mortage XXXX type of mortage. That was with Wells Fargo

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit bureau keeps reporting inaccuracies related to XXXX XXXX tradeline. First and foremost, consumer was never late at any time in XX/XX/XXXX. The account has long been closed, and was sold off around XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This complaint is to remove multiple inquiries that I did not approve or initiate. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXETER FIN XX/XX/XXXX AND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 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 status incorrect

Complaint: My credit report was negatively impacted by the close of this account. Wasnt made aware that the company prompting to close my credit account would affect my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I attended school XXXX last year to finish up prerequisite courses for XXXX school, which I am currently in the application process for. During such time, my federal student loans were in a deferral status through American Education Services, which is supposed to carry over for 6 months after finishing school. School ended XX/XX/XXXX, so no payment should be expected until XX/XX/XXXX. However, AES is claiming that the payment was due in XX/XX/XXXX ( 4 months instead of XXXX ) and that the loan is now past due. Their letters specifically stated that the grace period would be over in XX/XX/XXXX. As I am currently searching for work while applying for graduate school, I am unable to pay the amount they currently demand. As previous dealings with this company have solved nothing in the past, I am taking this complaint the the Bureau of Consumer Finance to avoid the major headaches they otherwise would cause.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax poorly secured my data in their system and now that system was exploited and my data as well as the data for hundreds of thousands of others may have been compromised. Credit freezing for all impacted users should be free of charge rather than me having to pay a fee back to Equifax. 

It 's unconscionable that Equifax is profiting after their lack of security to protect our data.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other

Complaint: I have a Bank of America credit card. On my XXXX statement, I show that I had paid my revolving credit balance in full and a bit more with no interest charges. For the XXXX statement period, I had paid {$700.00} less, bank statement showed that I had incurred {$37.00} in interest charges. For my XXXX statement, I had paid my open revolving balance in full again, but incurred more interest charges of {$63.00}, XXXX month in a row after having only XXXX calendar month of not completely paying the revolving balance in full once back in XXXX. Bank of America customer service dept 's service rep told me that the XXXX interest charges is a result of me walking into a banking center and making the payment and BofA taking time to process the banking center transaction, which is a bunch of baloney. With the service rep 's explanation not sounding right, we insisted on a manager, XXXX who eventually came on the call, to answer my question. He stated that the XXXX interest charge of {$63.00} was a result from a short payment back in XXXX. Okay we took that reply and we did further research and found out that not only were we charged in XXXX, but we were also charged in XXXX. We called back to the BofA credit call center and was told that the XXXX interest charges was also a result of the {$700.00} unpaid balance from XXXX. So we were charged XXXX for the same {$700.00}, given XXXX different explanations of the interest charges, and still have not resolved the issue of why there are XXXX interest charges when only once that the outstanding balance was short-paid ( short-paid balance was taken care of in the subsequent month ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiry.

Company response to consumer: Closed with explanation