milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Living in the area of XXXX that flooded, our home took on over 3 feet of water. We lost everything as we also had sewage backup into the house. Due to the large amount of devastation in our area and the fact that we had to vacate the home it took awhile to get our insurance company to inspect the damage. Once we received a check from them we sent the check to Ditech our Mortgage company. Since we are capable of doing the repairs ourselves we asked them to return the overage of approximately {$35000.00} to us. They received the check ( overnight mail ) on XX/XX/XXXX with a letter asking for them to pay off the account. 
I was told on one of the calls that it would take about XXXX working days for this to be done. As of today, 3 weeks later, nothing has been done with the check. I have called numerous times and each time I am given the run around with no real resolution although the people I talk to want to assure me they are doing the best they can. Today I was told the pay off check will be mailed from XXXX to their pay off center in XXXX. tomorrow. 
Why was n't this done 3 weeks ago? If it takes them another 30 days to release funds to us ( which they inform us is possible ) that means we will be out of our home for over 4 months before we can begin repairs so that we can even move back in. The least I expect out of any company is to meet the needs of the customers especially in situations such as what the majority of our neighbors are dealing with. The fact that they have had the check for 3 weeks and nothing has moved forward with it is beyond excuse! We are in great need of a quicker resolution which Ditech does not seem to understand the urgency of our situation. We currently have XXXX people, XXXX adults and XXXX children living in a XXXX bedroom, XXXX bath apartment as this was the only living situation we could find. 
We would greatly appreciate help in getting a quicker resolution to this. Ditech being very vague in giving us a time frame of anything less then 30 days is not helping the mental frame of XXXX lives. 
If you need more information I will gladly assist. 
XXXX and XXXX XXXX, XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: TD blocks my access to make purchases using my debit cards. They close them out whenever they feel. This would be the 5th time within 6 months. Another situation TD refuses to investigate a Regulation E application in the amount of XXXX. They have compromised my safety and integrity. I totally been humiliated over time, my concerns unmet, and suffered too many bankedforced shut down and assess to my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/19/2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: It 's a lot of things on my credit that were paid but, still reflects negative readings which is n't allowing my credit score to elevate accurately. XXXX XXXX, XXXX and XXXX are the XXXX main negative items that weighs heavy on my credit report which is preventing me from purchasing my first home.

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 03/16/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Contacted me about false information on credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo close my account due to the filing of a cfpb complaint. Keep funds and did not disclose terms.

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 10/20/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (KY).
Issue: Loan modification,collection,foreclosure

Complaint: I am not a attorney, so maybe I did not explain my case well enough, if you all look at the XXXX on page XXXX under count XXXX, number XXXX, clearly said the " Due to an inadvertent clerical error, the Mortgage was never placed of record with the XXXX County Kentucky Clerk 's records and the original Mortgage has become lost. " If the original Mortgage has become lost, then how can you filed a assignment of Mortgage on XXXX XXXX, XXXX and also it was signed and prepared by XXXX XXXX by OCWEN office, so when I said OCWEN falsify the document, it mean using a copy or some other way to make it legit to file a law case. I pray the CFPB will look into this, so it will not happen to other people. 
recently, OCWEN wanting to file a law suit, so OCWEN falsified a copy of old mortgage paper, and ask XXXX XXXX XXXX XXXX XXXX , XXXX ( XXXX ) to file a assignment of Mortgage Electronically. They have violate the law and also, lost trust in the system, XXXX have abused the Electronic file system. according the law, XXXX need to have the real document to validate the information, there is no promissory note or real Mortgage with real signature on hand, file in XXXX XXXX clerk office, and you can also look at the date they file, it was there first filing on XX/XX/XXXX. and the Mortgage date is XX/XX/XXXX. by falsified a record statement, it is a violation. please look at XXXX law suit, OCWEN attorney said the original Mortgage is lost, then without original Mortgage, XXXX and OCWEN are just using a copy to file. this is very serious problem, if they just use a copy to file, it will damage the Legal procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: XX/XX/XXXX : my brother contacted me in re : to a letter he received from Navient stating that they were trying to get in touch with me re : my student loans. XX/XX/XXXX : My employer received the same letter XX/XX/XXXX : My coworker received the same letter Not only is my family now involved, I now have My Boss and a Coworker wondering why they are getting student loan letters on my behalf. I logged online to show my boss that my past due balance was only {$210.00} and my intention was to pay with our next pay period. He was upset that he had to have this conversation with me to begin with not to mention its all because of {$210.00} too. My coworker had to then explain to my boss and her husband not knowing how she got involved and how did Navient even get her home address? I looked all over their website, in my profile page and nowhere is it listed that I have provided this information. I feel this is harassment. This could cost me my job which then they will never get paid. I do n't like having to explain not only to family but to the people I work daily with that my Mortgage and Child Care expenses come first and that if I am 1-2mo behind on Student Loans that they should not be sending letters to everyone who knows me. its embarrassing and unnecessary. I understand if I was severely past due but even then follow the proper route ; certified mail or something. But all of this for {$210.00} is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Using the XXXX XXXX app and the bank does n't communicate often with the app

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX, I submitted a payment online for my American Express Blue Cash credit card for the total balance of {$310.00} from one of two bank accounts linked to the credit card account for payments. I incorrectly used one of the bank accounts, XXXX XXXX XXXX XXXX, that did not have sufficient funds instead of the correct bank account, XXXX XXXX XXXX XXXX, from which I 've been making payments to American Express for years, on time and well over the minimum due. When I realized the error, American Express had already tried two times to receive these funds from the XXXX XXXX XXXX XXXX account. As such, I received two {$30.00} fees for insufficient funds in the account from the bank. I immediately called American Express when I realized this error on Monday, XX/XX/XXXX. A representative understood my request and processed the payment of {$310.00} from the XXXX XXXX XXXX XXXX account. However, the next day, Tuesday, XX/XX/XXXX, American Express processed a third attempt to receive the funds from XXXX XXXX XXXX XXXX, for which I was charged a third time for insufficient funds. When I called American Express to address this third incorrect payment, they told me they would refund the returned payment fee that American Express charges but that they could not address the insufficient funds fee charged by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX   XXXX ,  XXXX  I entered into a 24 month lease for a new  XXXX   XXXX   XXXX  with creditor  XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   ).  Note, that the contract did not asses s a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent 23 lease payments were paid in one lump sum, totaling {$2400.00}, and was receive d by  XXXX  on  XXXX / XXXX / XXXX  ( see attached   XXXX    statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges as sessed for either Normal Wear & Use or Excess Wear & Use ( see attached inspection report ). T he vehicle was returned to the dealership where it was purchased in  XXXX  of  XXXX . There was not a problem with this account until  XXXX   XXXX .  XXXX  fraudulently reported to the  XXXX  major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because  XXXX  's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with   XXXX   on  XXXX / XXXX / XXXX  a  XXXX  representative stated that the {$110.00} charge is NOT owed but still on my account because they have not y et received a " signed odometer statement from the dealership. '' Whether or not   XXXX   ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my credit score due to thier fraudulence.

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 04-07-2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (AZ).
Issue: Making/receiving payments, sending money

Complaint: I had filed a fraud alert with the bank over 3 weeks ago have called everyday to speak to XXXX in fraud and secerity but have only reached voice mail left 15 messages no return call had bank email him they said they did n't know where he was???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: An item in collections on my credit report from XXXX XXXX had been previously reported on my credit for a long time it was removed at the beginning of this year and has now been added on with an open date of XXXX/XXXX/2015, this is incorrect and this is negatively impacting my credit score that I am working on very hard to get to a good standing. I do not think it 's fair that these collection agency keep removing and adding to my credit report as they please and with different dates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DRIVE NOW ACCEPTANCE LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Drive Now Acceptance repossessed my vehicle and then processed a wage garnishment. No matter what they wo n't report that the account is in collections or charged off or is repossession. They keep telling me and the credit bureaus that the account is open. This is false and they should stop these deceptive false reporting and fraudulent claims against me when they are clearly violating my rights as well as FCRA regulations as a furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit card () with SYNCHRONY FINANCIAL (WV).
Issue: Credit determination

Complaint: I closed my accounts after having a card for 10 months, my credit limit was {$500000.00}. 
The reason I closed my accounts, because I had several accounts with Synchrony Bank and being with them almost a year and was NEVER late with any of my accounts, they wanted verification of my social security number and tax forms, they cut my cards off and when I went in a store to use a card it was declined and very embarrassing. 
Closed all the accounts and no open accounts with Synchrony Bank after a few months I decided to apply for a Walmart Card and I was told it was in the credit department review, I received a letter of denial and the reason for denial : The request was judgmentally reviewed and denied for the following reason ( s ) POOR PAYMENT HISTORY WITH CREDIT PROGRAM I have documents of payment history and I never paid minimum payment, I always paid more and they even increased my credit limit to {$7000.00}! 
The credit department is treating me unfairly and my credit is excellent.

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor " XXXX XXXX ''. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had submitted complaint ID  XXXX  and this has since been closed. However, the matter has not been resolved. I sent the attached letter to  Synchrony  on    XXXX   XXXX     2017  and have not yet received a response. I have also not received the {$100.00} in return that I overpaid on my account.

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 09/25/2015 about Credit reporting () with Credit Karma, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX credit card that I use, it is a XXXX XXXX XXXX cash rewards credit card. There are XXXX or XXXX other cards that I do not own on that credit report for credit karma, and it is making my credit score look poor and that is not good. I need these other cards that do n't belong to me off of my credit score.

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 03/25/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am currently disputing negative items on my Equifax credit report upon every dispute I am penalized Equifax drops my score by major points. Is this fair? I am trying to pre-qualify for a home loan. The way Equifax is dropping my score for every dispute I will never get a fair chance to be able to own a home. Can someone help me understand why I am getting penalized for fighting the negative information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I had an account with the  XXXX   XXXX  that was discharged in a BK. They sold the account to Receivables performance management. RPM now is reporting it as an active collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with Allied Interstate LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I keep a close eye on my credit report for which it contains value to me and my credit worthiness . Allied Interstate submitte d a collection account to my credit report recently in the amount of {$310.00}. This is an illegal collection and also, I was not contaced at all or notified of such debt. I did not sign any contract with this company. Also, it seems as though the original creditor i s   XXXX   XXXX  . I ow e nothing to anyone. The company tha t Allied bought m y information from is inaccurate.  XXXX   XXXX  had a roof leak which caused water damage to my unit. I had to move my things out before my apartment was ready and also go through all my items to see what other damage was done. I also filed a claim with the insurance and received reimbursement from the. So, there is no way I am liable for anything. This is inaccurate at I owe no such debt.   XXXX   XXXX   better be glad a lawsuit was not filed against them for the damage and the  manager knew  it was damage to the roof leak before I moved in and failed to report it. Also the mold that spreaded throughout my unit is a type of mold my daughter is very asthmatic too. Which I also informed the  manager. I will be  soeaking to an attorney to pursue this matter if this is not removed Immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (OK).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX XXXX, 2016, I purchased by Electronic Check, items totaling {$76.00} at XXXX XXXX in XXXX, Oklahoma. The purchase cleared the Point of Sale terminal and the clerk handed me the receipt and the processed personal check back with no indications of a transaction error. Later, on XXXX XXXX, 2016, I receive in the mail a Notice of Failed XXXX Transaction from Telecheck XXXX XXXX XXXX XXXX claiming that banking information was not read correctly from the check at the Point of Service terminal at the time of purchase. Telecheck has referred this " error '' to their TRS Recovery Services as a debt collection. How can a supposed check reading error be in debt collections when Telecheck has the money and has not yet processed the transaction? Telecheck states in this letter that they need additional bank information and personal information from my checking account to correct this situation. I contacted my local bank and described this letter to them and the bank stated that there are " red flags '' involved with this letter. My bank recommended I put a stop-payment on the check with the purchase. I did this on XXXX XXXX 2016, I also the same day went to the merchant and offered to pay the amount of the stopped-check in cash and request a receipt. After a hour of going back and forth with 3 different representatives over the phone with Telecheck and XXXX XXXX representatives and the store manager and all adamantly wanting to know our bank information and that that we pay again by check, they finally gave in a let us pay for the items in cash with receipt. The representative on the phone with Telecheck made threats over the phone that this situation is not over yet and I will be receiving more threats in the mail. It is time for me to get an Attorney.

Company response to consumer: Closed with explanation