milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2016 about Mortgage (Conventional fixed mortgage) with CROSSCOUNTRY MORTGAGE INC (WV).
Issue: Application, originator, mortgage broker

Complaint: Cross Country approved our loan, made us jump through hoops and pay a bunch of debt off including our home which we sold. We were supposed to close on the house we sold and on our new home the same day. When that day arrived we were told we needed to submit more documents to give Cross Country and it would be a couple of days before we could close. We paid off our mortgage, had over {$100000.00} in equity that we had to deposit in the bank waiting for closing and paid off several small bills to the tune of {$16000.00}. Not to mention we were now homeless. We ended up staying with family for 5 weeks and after jumping through all of Cross Country hoops for 3 more weeks and then they denied our loan. We had to pay for an additional appraisal out of our pocket. We both have excellent credit, had a bunch of money to put down and paid off nearly all our debit. I called our local bank and they closed the loan in 2 weeks with a lower rate. We hired an attorney to take care of the legal side of this issue and all the money we ended up wasting due to the poor communication and lack of knowledge from their rep XXXX XXXX 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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian shows that I made a late payment on a XXXX XXXX XXXX mortgage account ( XXXX acct number ) onXX/XX/XXXX2014. This information is incorrect, I disputed the late payment reported by XXXX XXXX XXXX ( XXXX ) through the CFPB earlier this year, and XXXX agreed that it was an error, and provided all 3 credit bureaus an update to show that the payment was n't late. XXXX and XXXX correct their records, but Experian has n't made the change yet - and I personally made them aware of the error through a dispute a few months ago, and they still have n't corrected the error. The error has has made it difficult for me to obtain interest rates I need to get a refinance of my current property, and obtain other financial loans that I have been seeking this year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with Merchants Acceptance Corp (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please remove these items from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with Credit Karma, Inc. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Some one stole my indenty theif

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 explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A few weeks ago transunion deleted all inquiries off my credit report and they were reinserted without notification prior to reinsertion.

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 03/19/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA).
Issue: Incorrect/missing disclosures or info

Complaint: I used money gram to send my mother in XXXX XXXX XXXX $ she never recieved the money. Someone else got the money the day b4 she went to get it she had waited because she did not have any transportation at the time when she went to pick up the money she was advised someone had takin the money already and that it was n't in her name which I have the receipt showing its was sent to my mother. So I called money gram they advised me someone had gotten the money witch I already new someone did a couple days later they called back and provided me a name of someone 's name who I have no idea who it is but told me that 's the name that it was sent to I have the receipt showing it was not in that other persons name and they keep fighting with me not trying to figure out if it was error in there system I even offered to send a copy of the receipt to the and they just ignore the fact I have proof who it was supposed to be sent to.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a loan modificaion when I was current on the loan. The current loan rate is 7.25 % interest which I 've had for many years. This is a rental property and I asked Ocwen if they would consider reducing my interest rate as the property is 41 percent owner occupied and one owner owns more than XXXX units. Ocwen offered me a even higher rate and sent me papers to sign if I wanted to proceed. I 've called and email mentioning I did not want their offer at a higher interest rate. Ocwen continues automatically drafting my account the monthly payment however they are placing them in " Suspense '' and charging me late fees. As of today I 'm two month behind in payments as they are holding my payments in Suspense. They also did a hard hit on my credit bureau file which they said they would not do. It appears they have every intention to forclose on my property and I 've tied to talk, reason and make them understand however the communicaiton with these people does not work. I need help getting this cleared up immeaditely. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I 've been working with Midland Funding LLC for awhile now to try and work out a solution to pay off my debt. From the moment they took over my debt they were threatening to sue me if I did not pay them. I began talking to them on the phone and explained that I did not have the full amount and could not pay them that. However, I did have about {$300.00} available and was willing to pay them that on the spot if they would clear out the debt. Or that I was willing to work on a payment plan if they could fit it within my budget. I explained I did n't want to commit to a plan I could n't afford, which was why I was asking for a reasonable plan. One representative I spoke to a couple times said he would see if they could accept my {$300.00} and would work with me to resolve the debt. I asked him to please leave a voicemail if he did n't reach me so I knew to call him back. They have been calling me under different phone numbers and tend to call while I am at work and can not answer my phone. He promised to leave a voicemail and never did. I began receiving calls from an unknown number and returned one of them to find out it was again Midland Funding. I asked to speak to the same representative and they told me he had left for the day but that they would have him call me and ensure he left me a voicemail if he could n't reach me. That never happened. I did n't hear from anyone for awhile. More calls began coming through on a totally different number and when I answered it to find it was Midland funding the gentleman I spoke with was extremely rude. He told me that the previous representative I spoke with did not provide me with the right information and that this debt was in pre-legal status and I needed to pay the full amount. He stated that due to the pre-legal status there were n't any options to pay less to resolve the debt or do a monthly payment. I informed him that I had been researching their company and discovered that they have their own legal department and the way they do business is to sue people for the debt rather than working with them on it and I did n't want to get to a lawsuit when I am trying to work with them and they are n't willing to work with me. He began to raise his voice and said " Well what difference does it make? Either way you 'll be paying the full amount. Now or when we take legal action. '' I began trying to talk to him and he continued to talk over me and was getting very mean towards me. I hung up the call because I was getting scared and did n't know what to do. I spoke with a money management company and they advised me to contact the Consumer Financial Protection Bureau as this behavior is not condoned.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was a XXXX customer using their data service all of XXXX with no issues of payments at all, my bill was about $ XXXX I finished my relationship with them, both sides had satisfaction as nothing was owed. I completed my last payment in XXXX and moved to phone carrier XXXX. But recently I missed a few good benefits being a XXXX customer so I decided I'd switch back, this is when the problem was brought up. I entered a XXXX store sometime in XX/XX/XXXX for them to tell me they couldn't service me until a debt owed to a collection company was paid which happened to be Diversified consultants inc. I asked them how was that possible when I paid all of my months of phone service, never late, no issues or anything and the clerks in the store could not tell me how as they said my past account was handled by a different company who they no longer do business with and they had closed my account and sold it off to diversified as charge off debt. So XXXX even though they were the original creditors, could not verify or explain this random debt, only gave me info to contact diversified in which I did, when I did they asked me several different personal questions to they had everything about me except my physical i.d lol and they just said they'd send some account info through mail. I received their mail and it is very vague, no explanation of debt what so ever. It only shows a few different lines and a few different numbers, and random dates. It goes from a balance due being {$150.00} to {$230.00} to {$290.00} to now {$290.00}. This company has literally claimed a XXXX XXXX customer to be delinquent and created their own timeline and numbers then received a call from me because I caught onto the fraudulent act, only to ask me a series of personal questions so they could secure enough up to date personal info on me to place a debt on my credit report. Well I happen to have excellent credit and I have 5years history of onetime payments and no negative activity what so ever. The debt they seek of me is puny in regards to my funds in my bank account and credit card limits but its the injustice of it all, it's the principal, I will not let allow some scam company to bully me into giving them money I don't owe them. Failure on their behalf to provide a copy of any alleged original contract or other instrument bearing my signature with the particular debt in question of fraud, will result in a small claims action against their company. I will be seeking $ 5,000+ in damages for the following : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I called Navient due to be being unemployed and unable to make my student loans payments. The company told me it was nothing they can do for me and marked my payments as being late. I had to keep on calling 15 times a day to speak with someone who was willing to help me out. I advised that my payments were not late and that it was being reported in error. No one has gotten back to me about the error and the lack of options for struggling borrowers like me. the only option they gave me was to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: Chase LN XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Chase is committing servicing fraud on this file. Chase is taking a week to issue closing approval and refusing to issue closing approval until XX/XX/XXXX. 


In their approval letter Chase requires the HUD and signed closing docs 72 hours prior to closing in order to have time to review the documents. Therefore, on XX/XX/XXXX ( Tuesday ) I sent the HUD and signed closing docs along with a request for closing approval so that we may close as quickly as possible. ( see attached documents 'HUD for closing approval us ' and 'Approval Chase all fe '. They would not un-pause the task to upload the closing docs until we called in and requested that it be done immediately. We request extensions automatically on all our short sales with Chase because they are so apathetic to the timeliness of these closings. We put an estimated closing date on the HUD of XX/XX/XXXX because Chase consistently requires multiple escalations in order to give HUD approval to close. We gave them extra time just in case we know they are incompetent to begin with and we ALWAYS have to call in and push them to do their job. As it turns out, there was no point in doing this. The Chase rep I spoke to today said that closing approval was scheduled to go out on XX/XX/XXXX ( same day as closing ) and they didnt care when the closing docs were received they refused to work on the docs within the 72 hours stated on their approval letter. ( see attached 'Approval Chase XXXX ' ) No one at Chase even seems to know what TRID means. Has anyone at Chase even received the federally required TRID training? As an originating lender Chase will not even order funds without closing approval which means they would have to have closing approval 24 hours in advance of closing. Waiting until 1 hour before funding cutoff is not acceptable. Chase is an originating lender and they should know this. Its not rocket science. 



Chase is taking ONE WEEK to review closing docs. THIS IS NOT ACCEPTABLE. 

Why is Chase directing their employees to violate their own approval letter? Why do we have to consistently push and escalate the closings with chase in order to get them to do their job??? 


We are not the only ones with these same issues - see attached 'SS Superstars same isses pdf '. 



Would you like us to post recordings of the phone calls online?

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (IL).
Issue: Managing the loan or lease

Complaint: This loan is still on file they have XXXX loans on me almost 10 years old?? They wo n't remove

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with General Information Services, Inc (MI).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: I was hired at XXXX on XXXX XXXX in XXXX MI and they let me go because on my background check that was a old misdemeanor charge and it was because my mom bought food stamps from someone and they pressed charged on us. Because she bought me food and I did n't take back the food back so they charged me with receiving and concealin the food that she bought me. It was from 2014 it was spose to be took off if I conpleated the program and I did so I 'm just asking for my job .Any question call me XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Debt collection (Medical) with Hollis Cobb Associates (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/2015 I was treated at a XXXX and incurred expenses of near {$3000.00} that were my responsibility. As my HSA account did not have that much in the account, I established a payment plan with XXXX XXXX to pay something around $ 300/mos. I never received a statement from them and missed the subsequent payment. I attempted to make a payment online and was told I only made partial payment and given another number to call. I called that number and made a new payment of $ XXXX/mos which I was told was my new payment plan amount. I did not realize at the time that this was a collection agency, BCC Financial. As the same time of the month was nearing XX/XX/XXXX, I was again looking for a statement from XXXX XXXX and had not received one. I was very busy and it slipped my mind as I mostly use online banking or paper bills for things that are n't " usual '' bills for me. XXXX from BCC Financial called on XX/XX/XXXX and said she was calling to collect on a debt for XXXX XXXX. I was very angry at that point and told her all about my payment plan and how I had never received any statement. She assured me that she would get it straight and I would get statements from her. She then immediately offered me a XXXX % settlement if I paid in full. I refused because I owed the balance, although I was capable of paying I also asked if the XXXX % settled balance would report to my credit as a charge off. She could n't answer that question. I asked if my account could be paid back up to date and sent back to XXXX XXXX, she said no. But then again assured me I 'd receive my monthly statements. No statement in XX/XX/XXXX. I needed to call them myself in XX/XX/XXXX to make them aware, again, that I had no statements. I needed to get my account number from them to make a payment online. I repeated my concern about not receiving statements, not being able to monitor the progress of my account and if my payments are actually being applied to my balance. The woman I spoke with continued to assert that they HAD been sending me statements. Giving me the impression that she was accusing me of lying. Then here we are again-no statement received in XX/XX/XXXX, during the holidays. I do n't know what day my payments are due. I do n't know what my current balance is. All I am able to see on the website is a place to enter all of my payment information. For all I know I could be wiring money to anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with NRA Group, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company ( XXXX XXXX XXXX XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$660.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. Furthermore, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX does not have a license, bond, certificate of authority to collect in the state of Arizona.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Customer service / Customer relations

Complaint: I 've been a Citi Thank you card member for 6 years. Over the years I rarely used the card due to many inconveniences with my online account and poor rewards program. I called Citi Cards back in XX/XX/XXXX attempting to give Citi another chance by converting my card to the XXXX card. I called in XX/XX/XXXX to get a status on the conversion and the agent told me the conversion took 45 days or so. Today is XX/XX/XXXX and I was told by Citi Customer service that there had been some sort of delay with no expectation on when the conversion was going to happen. The agent did not care for my frustration nor attempt to make things right. Both agents I spoke with seem flustered and not confident in their ability. Out of frustration I decided to close the card but I really thought they could give me a more positive response.

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 09/13/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Re : Request to Validate Account/ Resolve Account and Delete for Revolving Call list This is my forth attempt with no response and I am at my wits end. Please end all the empty calls, with calls from XXXX XXXX then hanging up- with no resolve. My originally attempted to resolve my debts via telephone and by mail on XX/XX/XXXX and my second attempt was late XX/XX/XXXX and XX/XX/XXXX. After a brief history with XXXX XXXX, mostly positive, I fell ill. I have two accounts and would the opportunity to validate/settle these accounts. I was never given the opportunity to validate the balances reported on my accounts. I need to validate this account and not be threatened with further collections on accounts by lawsuits or damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX was reporting me late for almost 2 years even after i disputed the wrong information and the dispute took more then 30 days after disputing this for more then 8 times, and so did n't the credit bureaus do the ultimate job to investigate my disputes if they would do their job they would see that i was n't late on this account.

Company response to consumer: Closed with monetary relief