milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2018 about Mortgage (VA mortgage) with Kentucky Housing Corporation (KY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Applied for the loan remodification through the federal government waited never received any kind of information was informed that I needed to be two payments behind so I let those go. Still waited. Received denial for loan remodification. Then issued foreclosure sale date. They informed me total amount of loan was " accelerated '' and full payment was due. Excessive late fees and miscalculated amounts was added. My {$110000.00} loan was {$140000.00} due to save house. I asked for to date pay off amount, they questioned and I replied I would list house and sell. They got angry and stalled my payoff request. I called two days after got a payoff amount. Contacted realtor invested all my money and listed house for payoff amount plus {$7000.00}. Had 45 days to sheriffs sale. Secured buyer and contract. Set closing date on sale 1 day prior to sheriffs auction. That day of closing at XXXX XXXX. My realtor was informed at XXXX by KY HOUSING CORP. THAT THE SALE WAS NO GOOD NOT ENOUGH TO COVER MY DEBT. THEY ADDED MORE ATTORNEYFEES EXCESSIVE PENALTIES TO SECURE MY HOUSE. Va loan was a check to them as well as auction amount. They put me a military veteran on the street with 0 zero nothing and stole my home. I am not trash i put all i had. Nicest house on block. Sold with contract in 30 days. They new I did all remodification on property. They wanted me to suffer and get nothing. They are criminals destroyed my relationship, Credit, AND EMBARASSED ME IN FRONT OF MY CHILDREN AND GRANDCHILDREN. PLEASE GIVE ME JUSTICE. MY LOAN ON HOUSE WAS INFLATED WASN'T NOTIFIED TILL I HAD TO SIGN PAPERS. I MADE {$13.00} HE AND NO WAY I COULD SURVIVE A {$900.00} MORTGAGE PAYMENT FROM THE START. XXXX XXXX THEN SOLD TO KY. HOUSING WHO PUT ME OUT LIKE A DOG. I SERVED OVERSEAS AND MY VA DEPARTMENT HELPED ME NONE. THEY CUT A CHECK TO KY. HOUSING AND KY. HOUSING DOUBLE UP WITH AUCTION $ $ AT MY EXPENSE AND MY CREDIT WAS DESTROYED. MY XXXX XXXX XXXX SPOUSE IS HAVING XXXX XXXX XXXX FROM THE XXXX  NEXT WEEK. I AM BETTER OFF XXXX NOW. PLEASE GIVE ME JUSTICE. INVESTIGATE XXXX XXXX, EXCESSIVE FEES AND ACCELERATED LOAN AMOUNT, AND VA PAYMENT TO KY.HOUSING AND THE AUCTION ITSELF. THEY ALL DID ME ROTTEN AND I AM A FULL TIME EMPLOYED HOMELESS VETERAN WISHING I WAS XXXX. THANK YOU FOR YOUR TIME AND CONSIDERATION. XXXX 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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
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: TRANSUNION is once again reporting my XXXX XXXX XXXX XXXX LOANS with INACCURATE information. 

I have XXXX XXXX XXXX XXXX XXXX LOANS that TRANSUNION is reporting late payments on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 

These XXXX student loans were never late. The loans were in FORBEARANCE at the time the late payments are being reported. 

I have attached the NSLDS showing the loans were in FORBEARANCE. I have also attached an XXXX report showing the LOANS REPORTING with no late payments.

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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: XXXX XXXX XXXX XXXX XXXX reported an account was closed, but it was closed due to paying the automobile off and purchasing a new vehicle with a new financing company. This should not effect me negatively and according to XXXX XXXX, experian, and XXXX reporting agencies my credit score has dropped. Please rectify this due to the information I have provided. Thank you. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i filed bankruptcy in 2015, i had an attorney, was told that i had to report all properties, i did, i told my attorney that i did n't want my vehicle nor my house involved in the bankruptcy because all of my payments on the house and the vehicle were on time, i was told by my attorney to continue paying my mortgage and the loan payment that i borrowed on my suv, i made the payments until i paid it out, never missed a payment, the same with my mortgage up to date nothing late, then i found out that these   XXXX    accounts were being reported as closed, this is a lie i paid that loan out, and my mortgage is showing closed also, this is wrong, on behalf of the bankruptcy court, i already filed bankruptcy which is making my credit bad and then this happens. what happened to the FCRA, i ; m being discriminated against, my rights are being violated by the federal gouvernment. what do you need FCRA if it is not being carried out as stated. i need this corrected, it 's making my credit report look worse than it really is. my rights are being violated, their are other accounts on my report that needs work also.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Have attempted to remove an old bank account from my profile after successfully setting up auto-pay with my current bank account. Navient withdrew incorrect amount XX/XX/XXXX ( {$24.00} ) although I am scheduled to pay {$270.00} ( which changes with interest rates month to month ) each month via auto-pay. Incorrect autopay amount rectified as of XX/XX/XXXX but, in attempting to remove the old bank account, my autopay ( with the correct/new bank account ) was all together cancelled in error. Have contacted representatives at the NJ office XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Representatives have advised that tickets will be sent to their " back office '' to rectify the issue ... no return call/correspondence/resolution of the issue. I have come to the realization that there is nothing I can do to fix any sort of problem with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (UT).
Issue: Deposits and withdrawals

Complaint: My Bank in which I and my XXXX Vet Son have been customers for years have had some issues with the new way of cashing checks by ATM Or by Photo Banking! This is CHASE Bank of XXXX, UT. I have had my Government XXXX Direct Deposit kept by them, because of a favor I thought I did for a neighbor? But his check was cashed under my account! And then the Bank took over a week or so and sent me a letter stating my Accounts and Son was closed for a fraudulent check, in which was n't written in my name? And a time before a lady who wrote a Rent Deposit Check was put into the wrong account so I transferred it from his into mine, but after they cashed it, they charged him {$650.00} but I 'm sure I had enough of personal money to cover it but it too bounced as a closed account! Yet the customer service say we have no rights? Then why would I allow this bank to keep my XXXX checks? I am totally behind in my bills and ca n't feed my children or clothe them for school! My XXXX is partially mental illness and this branch manager has not worked anything out to help us recover our losses! Please help! 
Sincerely, XXXX XXXX & XXXX XXXX. 
XXXXXXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: this started about a month ago, when i first paid my credit card for {$100.00} for unknown reasons the payment was declined and i have to file a dispute with my bank before the i can get my money .again on the XXXX i made a payment of {$100.00} and i was notified by them that the payment return again i went to my bank and filed a dispute and until now i havent gotten the money on my account yet my due date is the XXXX th of the month and for now we are not on the XXXX of the month i just do n't know what is this.it look like is a scam credit card, also my credit report is not accurate i never filed a bankruptcy but i do n't know why credit report is showing like a filed one i want my report to be accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Bank account or service (Other bank product/service) with ALLY FINANCIAL INC. (MN).
Issue: Deposits and withdrawals

Complaint: Unable to transfer IRA funds to another bank. Partial transfer due to $ 250k FDIC limit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Since my debt is high as started a modification. This started in XXXX XXXX and still on going. I sent them enough information to make a decision on my behalf but still going on. They have sent me a least XXXX pieces of paper telling me they have a debt to collect, this is too stressful for me at my age. This debt was started in XXXX, in the amount of {$330.00} at a interest of 6.875 %. Now debt is {$260.00} at a interest rate of 4.875 %. This is serviced by the ASC Corp, XXXX XXXX, IA, parent bank XXXX The ASC Co. who services this account and without my knowledge open an escrow account without my permission and paid my Real Estate taxes and my fire insurance. I have always paid these bills on my own so could keep a check on them. Now they added the money they paid out for my taxes and insurance, added to my XXXX XXXX bill, so my payment I have to meet each month is over {$2000.00}. Where my taxes and insurance were n't monthly and since I retired, I am on a fixed income, monthly. XXXX could borrow from the central bank a 0 % interest. Also want of add that a member of ASC service co called about a payment stated that, if I missed XXXX payments, they could start to forclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My consumer rights have been violated, I did not sign any agreement with Midland Funding LLC, and they have filed a " Statement of Claim '' against me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Portfolio Recovery Associates continues to try and collect on a debt ( ostensibly XXXX XXXX ) that is time-barred by at least ten years. It has refused to provide validation/verification of debt despite oral and written requests from me over a period of years. The most recent request was during a phone call at XXXX on XXXX XXXX, 2016. Portfolio telephone number made from ( XXXX ) XXXX. Portfolio action includes multiple calls to my cell phone without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OR).
Issue: Credit decision / Underwriting

Complaint: Hi! I am a XXXX in Oregon representing the seller. Chase Bank denied a loan to whom appears to be a well qualified buyer, who is an American citizen, but works overseas ( this was the reason the lender 's loan originator gave to me. ) The parties have been in contract for over 3 weeks and Chase just denied the loan. This buyer paid for and received a copy of the appraisal, which came in without issues. However, since Chase denied the loan, the buyer and his realtor had to scramble to find a local lender. They did and asked Chase to transfer the appraisal which the buyer paid for up front. Chase will not assign the appraisal to the new lender. So, the buyer has to pay for a new appraisal and my seller has to agree to extend the contract another 4 weeks to make time for the new appraisal, processing and CD notification requirements and underwriting. This seems like discrimination and expensive and almost illegal. This buyer has the resources to pay for another appraisal. Many buyers do not. Please explain to me how Chase can get away with these policies. Can we get that appraisal assigned to the new lender? 
XXXX XXXX, Principal Broker, XXXX Out XXXX XXXX XXXX XXXXXXXXXXXX CHASE FILE # Reference Number : XXXX Borrower ( s ) : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX Again, this does n't add up. I asked the new lender if there were any red flags on the buyer, and he said absolutely not. I just feel like the laws were changed to protect the consumer, but it seems like we have more, and more issues like this cropping up. I just want to understand. Thanks for anything you can do to help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Medical) with Radius Global Solutions LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been receiving phone calls from this company trying to collect a debt on an account that 's been closed. The people that call speak broken XXXX, when I ask where they are located they hang up or say " we ca n't hear you ''. I am attaching a document to show this account was closed

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 01/22/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Struggling to pay mortgage

Complaint: The loan servicing company : XXXX XXXX XXXX XXXX has missed applied and or not applying monthly payments towards the principle balance. Several attempts have been made to encourage the loan servicer Ocwen to credit the mortgage correctly. The company has refused to work with me and I am out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Money transfer, virtual currency, or money service (Virtual currency) with 1st Money Center, Inc. (IL).
Issue: Fraud or scam

Complaint: XXXX XXXX is working with several coin companies on pump n dumps and costing americans billions of dollars by the day scamming people with pay to play tactics. i can send you more proof plus my XXXX login. So far hes pumped XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 02-06-2017 about Debt collection (I do not know) with ERC (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Enhanced Recovery Company reported a collection to XXXX on the XXXX of XXXX XXXX. I feel they are violating the Fair Debt Collection Reporting Act by acting as an original creditor and updating my credit report as of the XXXX of XXXX XXXX showing that this debt is 30 days past due. Also, they have not/or will not produce original documents of a signature and/or contracr showung this debt is indeed my debt. When I viewed my XXXX credit report it shows the original creditor to be XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/17/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: I noticed this morning XXXX things came out of my account earlier than I was expecting. I was unable to get to the ATM until XXXX. I called to see if I would still be charged and was told I was 21 minutes past the cutoff. I have an ATM receipt that clearly shows nothing has even been withdrawn so the items are still pending. They have n't charged the fees yet but I 'm sure they will. Especially after the agent told me. I 'm getting my tax return check in the mail this week and I 'm definitely taking my account to another bank. I have had way too many problems with this one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-07-2016 about Debt collection (Credit card) with Meyer & Njus, P.A. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: collection attempts were made by a out of state debt collector who failed to provide verification of debt to me Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) by the following company MEYER & NJUS, P.A ATTORNEYS AT LAW XXXX, MN XXXX validation request sent via USPS certified XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2015 after failing to prove the debt they transferred the account to there sister company XXXX XXXX, MI XXXX FOR FURTHER HARASSMENT OF LEGAL ACTION TRYING TO FORCE ME TO PAY THERE FIRM TO WHICH I DO NOT OWE ANY OF THE ABOVE FIRMS I HAVE NEVER ENTERED INTO CONTRACT WITH.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following account, collection accounts and hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX and XXXX XXXX for a debt thats fraudulent, not mine and dont belong to 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 05/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (SC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have tried to pay the payments that were agreed upon. However I explained to the lady that I am the on ly one worki ng in a household of  XXXX  and that I simply do n't have the money. They tried to lower the payment but is was n't eve n a hundred dollar s. I ca n't make this payments and support my family. I got this loan  in 2010 for  {$14000.00} I now I owe over {$19000.00}  seven  years later. I feel like i ca n't win

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I disputed all inquires on my account that i did not authorize EXCEPT FROM XXXX and they were not removed. Because I didnt authorize these inquires i have a fraud Alert placed!! And now im asking for assistace for them to be removed even after I told them i did not GIVE ANYONE PERMISSION TO CHECK MY CREDIT BUT XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (VT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: ACME, a 3rd party collection agency has apparently purchased debt collection from a debt I have with XXXX which I disputed and which they ( XXXX ) refused to dismiss and instead sold out for collection. 

ACME has called from the phone number ( XXXX ) XXXX multiple times. I have asked them to stop calling me and told them they are I have not authorized them, XXXX or any other prior debt collector who purchased this debt to contact me on my home or cell phones. Each time I tell them this they argue with me and they persist in calling even though I have told them that doing so is illegal and I would report them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Student loan (Non-federal student loan) with Asset Recovery Solutions, LLC (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Private Loans requesting repayment after XXXX years default. 2001, Chapter XXXX, relief with private student loans listed. I thought these were discharged but they keep contacting me with pay requests. Do I pay even though private loans listed on bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They keep on calling my work several times a week. This is a debt I did not know I had because I was paying monthly through my checking account and was always current. I asked them to send me paperwork showing the debt I owed and said they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Bank account or service (Other bank product/service) with Automatic Data Processing, Inc. (FL).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, and XXXX i purchased XXXX items from XXXX as a result, XXXX item was a XXXX for my car and the other item was a XXXX for XXXX as a result, both items were defective! The shoes were not in good condition they were falling apart and the parts for my car were missing screws! I contacted XXXX about it and my claim was denied due to at first i stated i didnt receive the item which was true but weeks later received it but it was defective! I was very furious after getting denied through XXXX so i contacted adp regarding this transaction and weeks later my claim was denied i was very upset after being denied twice by XXXX and my card company.

Company response to consumer: Closed with explanation