milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2016 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My client was forced to move to a higher level of healthcare and has a reverse mortgage on her home. We requested the servicer allow her to short sell since the home value is less than owed. We have been working on this case since XXXX of 2016. The servicer uses every excuse to avoid the review and after providing all they ask they continue to delay the review.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX  SS #  XXXX  DOB   XXXX   ADDRESS S   XXXX   XXXX   XXXX   XXXX    ,    XXXX   XXXX   , FL  XXXX  To Whom it May Concern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX     XXXX     XXXX . Box  XXXX   XXXX , GA  XXXX    XXXX   XXXX      XXXX   XXXX   XXXX    XXXX , PA   XXXX   I recently pulled a copy of   my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX      XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX      XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  &   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS    XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX , FL  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 06/15/2016 about Debt collection (I do not know) with Credit Card Receivables Fund Incorporated (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Unifund to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: The company sent me a letter that they purchased my debt account from the original company and that they were handling it and that I had 30 days to pay I contacted them told them that I was currently unemployed and that I had no income and here it is one month later and I 'm receiving paperwork to go to civil court over a debt I can not pay because I own nothing and I have no income how can they do this when I tried to explain if I had employment I would be happy to set up a plan but I do n't so how can I pay if I have no money and I live with someone else?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing this complaint to disclose my unfortunate circumstances. I have financial hardship and going through lot of problem in my life. I felt behind my mortgage and I can not afford to pay mortgage. I am trying to do a short sale on this property and the servicer of this loan is Ditech financial LLC and they have completed a full appraisal of the property on XXXX/XXXX/2016 and the valuation came back as $ XXXX. My authorized third party have submitted an offer for $ XXXX more than a month back and this offer is more than 95 % to their value. Since then neither me or the authorized third party are being helped by the servicer and they are not also providing any clear status update on the file. Not only that they also tried to restart the file from scratch 3 times without any legitimate explanation. They are negotiating this account in bad faith and depriving me from my rights to get ride of my debt via short sale. Please take immediate actions and help me complete short sale on this property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit card () with PAYPAL HOLDINGS INC. (AZ).
Issue: Unsolicited issuance of credit card

Complaint: PayPal misled customers into signing up for lines of credit they never wanted In XXXX, PayPal ( PYPL ) was ordered to refund {$15.00} XXXX to customers and pay a {$10.00} XXXX fine after the CFPB found the company had illegally signed people up for unwanted credit. Many who thought they were signing up for regular PayPal accounts unwittingly registered for lines of credit through the company 's lending arm, according to the CFPB. Some people only found out when they started getting debt collection notices for past due amounts or found evidence of the new account on their credit report

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: These XXXX individuals contacted me with deceptive collection practices claiming that I had an outstanding debt that they were taking me to court or filing in court. The first time I advised the individual to give me his contact information and to only correspond via court documents within the confines of the Code of Civil Procedure. Another contacted me about a year later stating the same thing. I have received no court documents and they violated the State of Texas XXXX XXXX by sending Electronic data as they sent these emails. Data that had nothing to do with me or my email account. They attempted to breach into my account and load it with emails from XXXX dating websites and I begin receiving emails from places that I never signed up to receive documents for.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: APR or interest rate

Complaint: I 've had a chase credit card since 2010. I 've made timely payments, in full for years. I started a new company, and my credit card balance went up to {$28000.00}. I went over 60 days on missed payments. My APR went from 15 % to 27 %. My monthly minimum is {$980.00}, which I have now made 8 consecutive, on-time payments. {$700.00} is going towards interest, $ XXXX is going towards principal. I CAN NOT reduce this bill, or get to my maximum credit limit of {$26000.00}. Chase will not remove my penalty APR. i 've called every month, and they continuously tell me they will not, nor will they ever remove the penalty APR. I 've paid {$5000.00} in interest this year alone. This is a heavy burden. By going back to my normal APR of 15 %, will drastically help me reduce my balance. At this rate it will take years to pay this credit card off.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with DISCOVER BANK (FL).
Issue: Other

Complaint: Discover card closed my account, refused to take payments from me, transferred the account to a collection agency alleging that a credit consolidator had approached them regarding my account, and finally reported the account as delinquent to credit reporting bureaus. 
I have never used a credit consolidator, and have not asked anyone else to contact Discover card on my behalf. 
After approx. 6 months Discover identified the name the credit consolidator they allege is representing me. I called the credit consolidator, who confirmed that they have never heard of me, have never represented me, and have never contacted Discover on my behalf. 
False negative reports by Discover have seriously damaged my credit rating, to the point that I was no longer able to secure a pre-approved mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: I applied for a Capital One credit card but began to receive letters from them about fraudulent transactions even before I received the card. I never activated the card and asked them to close the account. I closed my checking and savings accounts with them and sent a follow-up letter on XX/XX/XXXX asking them to close the credit card account. Recently I began receiving statements for the credit card. I sent a certified letter to them on XX/XX/XXXX notifying them that I had closed the account XX/XX/XXXX. The account still has not been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have XXXX names on my credit report same peron just XXXX different names ... also weong address reciently moved maybe 4 months ago ... and also it says i have no employment info but i work full time and have been for the past few years

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 04-10-2016 about Debt collection (I do not know) with LENDING CLUB CORP (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They always call every so often at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (PA).
Issue: Struggling to pay mortgage

Complaint: Husband lost job. Mother became very ill had to quit work to take care of her. Father passed away. Taking care of sick mother in law. i had a XXXX. XXXX XXXX. And also have XXXX. We applied several times for a modification and was turned down everey time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
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: I have tried on numerous occasions to update my address with the creditor and dispute late payments reporting due to insufficient address. I spoke to a representative and on XX/XX/XXXX a dispute was put in but it failed to resolve my issue. On XX/XX/XXXX was the first dispute for not receiving bills. On XX/XX/XXXX the manager requested for all latest to be updated the two 30 day latest and one 60 day late and this was never done on my account. My account has been reporting wrong for over a year with a negative impact to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Tried talking to someone about this issue and they was very rude

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

Complaint: Fraud scams using XXXX death record frauding scams frauding my families divorced out side documents of XXXX XXXX XXXX XXXX death record of XXXX county Indiana Frauding scams frauding using XXXX Frauding scams using land development frauding my documents a grade school documents as land development and back With ids scams and business scams

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 03/22/2017 about Student loan (Federal student loan servicing) with ACS Education Services (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: ACS has stated that I have used all of my forbearance and I have not I asked them to provide with documentation and they have not. In the mean time they are charging me late fees and saying that my account is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: My insurance company attempted to make payment and requested a Letter of Guarantee for the title, but was told Regional Accepatnce 's insurance department is short staffed, so it would take between 4 - 6 weeks to draft the letter ( which at most, takes 3 - 5 business days ). I called and was told my loan would still be accruing interest and payments due while waiting for them to send the letter for a vehicle deemed a total loss. I was told I would have to make a payment extension, then told my XXXX insurance would not cover any time I had a payment extension, and that interest would still accrue ( daily ) during this time period. They are not the same company I have XXXX with and it is not in my XXXX contract.. I am now paying for my rental vehicle since it has been over 30 days, due to them stating they have an issue with staffing in the insurance department.

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 08-09-2017 about Mortgage (Other type of mortgage) with CMG MORTGAGE, INC. (CA).
Issue: Applying for a mortgage

Complaint: This is a general complaint and observation. XXXX XXXX XXXX # XXXX has conducted very shady business for quite sometime. Whether loan app dates, loan apps, XXXX  decisions, closing, tolerance cures, many of their practices are not compliant.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Managing the loan or lease

Complaint: I paid all of my credit cards off in XXXX. I missed the change on my loan with Springleaf and paid {$860.00} of the {$860.00} balance. In XXXX, I received a bill for {$14.00} which I assumed was residual interest and paid that in full immediately. I 've now received a XXXX statement for {$0.00} to which they only replied they " believe '' that will close out my balance. I believe I have been charged interest on the interest balance. I did n't experience 2 months of residual payments with any other credit cards I paid off on the same day. 

If somehow correct ( which I ca n't imagine having to pay {$0.00} on a {$0.00} balance ), they are a ) using a financial calculation unique to them and b ) not clear in their disclosure of this practice. 

The agent with whom I spoke offered to write the {$0.00} balance off as " settled for less than owed '' which I refused of course. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (RI).
Issue: Loan servicing, payments, escrow account

Complaint: I enrolled in a bi-weekly auto payment program service provided by the mortgage company that services my mortgage, Ditech. The first withdrawal was to begin on Thursday, XXXX XXXX, 2016. Ditech began withdrawing payments one week early on Thursday, XXXX XXXX, 2016. This caused a serious financial problems for me as I live on a very tight budget. I had already committed that money that Ditech withdrew a week earlier than promised to other creditors. This resulted in bounced checks and serious financial hardship for my family. 
I contacted Ditech on Friday, XXXX XXXX, 2016 to inform them of their error. I was promised that the money would be returned to my account in 3-5 business days. The Ditech associate could not explain why the Auto-Pay error had occurred, but had promised me that the money would be returned immediately. 
On Friday, XXXX XXXX, 2016-five business days later- Ditech had still not refunded my money. I immediately contacted Ditech only to be told that paper work had not been submitted on XXXX XXXX as promised, but was submitted on Monday, XXXX XXXX and that my money would be in my bank account by Monday, XXXX XXXX. Ditech did NOT deposit my funds. 
I called Ditech on Tuesday, XXXX XXXX for an update on the status of my refund. I was told that paper work was submitted and that I would have to be patient. I explained to Ditech associate that I have been patient for XXXX days and that their mistake has caused me serious financial hardship. I was told that " there is nothing that can be done you need to wait for your money and that everyone makes mistakes. 
It has now been two weeks since Ditech has taken my money, promised me a resolution within 5 business days and refuses to offer an excuse or my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I had mortgaged XXXX properties in XXXX separately. Several years later OCWEN LOAN SERVICING , LLC became the loan servicing company for both mortgages via XXXX different previous loan servicing companies. 1 ). One company Litton, the previous lender to XXXX present Ocwen loan, did modify my mortgage but I later learned the document I signed added {$40000.00} to my principle in order for that company, Litton, to modify the loan. This property had been owned by several other companies before Litton owned it. This was very unethical for Litton to do I feel. I was able to get the monthly loan amount decreased over time and retain the property before the loan was sold to Ocwen. Before the modification I had paid approximately XXXX years worth of payments on time before my financial difficulties developed. Ocwen phone agents have been rude, do not all give me the same consistent information when I call, typically refuse to allow me to speak with a supervisor to resolve my inquiries or just plain hang up on me or place me on indefinite telephone holds. 2 ). Ocwen would report me as late within XXXX days after the month I was late with payments up to XXXX days when I was experiencing financial difficulties. Now that my payment have been paid within the current month due, since XXXX XXXX on both loans, Ocwen can not report my payments paid since the last XXXX ( XXXX ) months. All XXXX credits agencies show me paid thru XXXX XXXX. This has the effect of keeping me from seeking possible refinancing should I want to do so. This is just wrong. Ocwen phone agents have stated Ocwen is not responsible that the credit agencies are responsible. When I submitted inquiries to the XXXX credit agencies the replies were the credit agencies report as soon as the reporting companies give them the information. If Ocwen could report within XXXX days after I was late for over XXXX days Ocwen can report in a timely manner when I have paid on time. All other of my creditors report my payments no later than XXXX days after the payments have been submitted. 3 ). Ocwen is and has been adding indiscriminately late fees to my account since servicing the loan. There are fees that I believe are incorrect and fees I have no idea why I am being charged for them. 4 ). I also have had refunds due me for balances on forced placed insurance after I secured insurance for my home. Thank you for reviewing my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: APR or interest rate

Complaint: I have a Capital One card with a 25.1 % interest rate, but it was higher than that for years. I have been calling for years to lower that rate but they never help me. I ca n't seem to get it down, and I am only working part time XXXX. I was laid off my full time job a year ago and I just want to get rid of that card. I also have another card with them and have always paid on time, and more than the minimum payment.. They just tell me to keep calling back and I do call back and get no results..

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bull City Financial Solutions, Inc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I recently had a problem with Bull City Financial Solutions in which I submitted a claim to you previously. The file number was XXXX. I had an issue with the representative because the agency notified third party for me to contact the agency when I was making consecutive payments of {$20.00} to the agency each month. Since then, I had an judgement placed upon my credit report which I read by law was illegal ; if, the individual is paying on that bill. Now, my credit score have lowered because of this. On XXXX XXXX I paid the remaining balance of {$100.00}. I received a letter from Bull City Financial Solutions that the account has been satisfied. But, yesterday, on XXXX/XXXX/16 I received notification by the NC state income tax that, that payment in the amount of {$100.00} had been deducted from my refund already. So, I called the same collection agency that harassed me for the money faster than I could pay it off requesting my refund. I was told I would have to obtain it from XXXX. Imagine how I feel right now???

Company response to consumer: Closed with explanation