milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2016 about Debt collection (I do not know) with AFNI INC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company repeatedly calls me at work. and they leave a message on my work phone that it is about a debt. My voicemail clearly states the number is for a company. It is not my personal phone.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Mortgage (Reverse mortgage) with loanDepot.com, LLC (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a reverse mortgage with LoanDepot. Initial loan asked was $ XXXX with a valuation of the property at $ XXXX. Later, when prompted by the agent, we checked the property estimate on XXXX and upped the estimated value to $ XXXX. I paid a {$420.00} appraisal fee and {$10.00} credit check fee. However, after the loan was tentatively approved and appraisal done, I was informed that the appraisal amount was indeed $ XXXX so the maximum I can loan is $ XXXX ( XXXX % ). I was then told the loan amount was less than the minimum loan amount LoanDepot was willing to lend ( $ XXXX ). This should have been communicated to me at the start of the process, not after fees are paid. I explored options with other lenders with lower limits and asked LoanDepot to transfer the appraisal to XXXX XXXX which LoanDepot refused. XXXX XXXX therefore had to order a new appraisal at additional cost to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX County & XXXX County & XXXX County medical providers have erroneously billed for unnecessary medical services for unrequested/unrequired medical services. Requesting CFPB to permanently delete associated medical accounts and medical collection accounts. Per Federal Law medical accounts are NOT to be reported XXXX, Transunion, or XXXX. I have a XXXX credit score, due to medical accounts my credit score has dropped to a mid-score of XXXX which is limiting my credit access in rentals. 

Due to a medical data breach within Counties listed above, medical providers were erroneously called by law enforcement without justifiable cause or medical necessity. 
Essentially, running my medical bills. I assert law enforcement is each County above must be accountable or each County above should pay from County medical indigent funds. I NEVER NOR REQUIRED medical services in State of Florida from XX/XX/XXXX to XX/XX/XXXX. 
My perfect XXXX credit score has been substantially damaged by medical collection accts. 
Review each major credit bureau prior to XX/XX/XXXX - major financial institution accounts report outstanding credit history. CFPB credit report representative must remove malicious billing due to police harassment due to systemic XXXX bias & prejudice.

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 11-08-2017 about Mortgage (Other type of mortgage) with FLAGSTAR BANK, FSB (MI).
Issue: Struggling to pay mortgage

Complaint: I have a mortgage with Flagstar bank. In XX/XX/XXXX they increased my payment by about {$40.00} per month, But did not inform me of this until XX/XX/XXXX. I found out by them returning the payments I had made of the amount i believed was correct and adding a ton of fees ( now owing over {$8000.00} ) and threatening foreclosure. I tried many times and many ways to work with them, their loss mitigation and their lawyers. I just received the run around and more foreclosure notices, As they kept saying they were n't receiving enough info even though I resent and had proof they ( all 3 parties ) would tell me do n't worry you have time. Then I had a sale notice on my door for all the neighbors to see. Then in XX/XX/XXXX ( yes only a month since this all began not much time is it? ) and their fees and charges are unreasonable for me to pay and still no answers and just extremely rude if they did respond. I was forced to file chapter 13 bankruptcy just to keep my home. That went through on XXXX ok all good right?? No they are still not accepting payments from trustee adding a ton of fees and now threatening foreclosure again sending bills and letters every week this has put me and my family through so much mental and financial stress its been a year of them harassing for which I believe was their mistake.

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 11/28/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Struggling to pay mortgage

Complaint: I had a mortgage with Chase bank. I purchased the house for {$340000.00} and the mortgage was for {$380000.00}. They told me that I qualified for a grant and that it would cover my down payment but instead the {$20000.00} down payment was added to the mortgage. I tried for multiple years to modify the mortgage because of hardship and because the house I purchased was not worth the amount I bought it for. The modification took so long because they keep on losing my paperwork, saying they never received it. In the end I was forced to do a short sale because the bank refused to work with me in lowering my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or about XX/XX/2017, I called my bank XXXX XXXX to ask for new checks to be sent to my new home address because I had run out of checks. They said that they would send the checks right away. After a week, the checks had not arrived so I called them again and they said the same thing. I wound up calling XXXX XXXX six times over a two month period, each time urging them to send the new checks because I had bills to pay on another bank account ( XXXX XXXX ). Finally I was late on a car payment ( 30 days ) because I did not have the checks to make the deposit to XXXX XXXX. The checks finally after 6 calls and two months did in fact arrive, after which I immediately went to XXXX XXXX to make the deposit and the loan payment. XXXX XXXX in the meantime, filed a 30-day late notice with the credit reporting agencies. I feel that this is completely wrong and irresponsible on XXXX XXXX 's end that they did not send the checks and now I have this on my credit score which has gone from XXXX to XXXX on one credit reporting agency.

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 06-06-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Credit decision / Underwriting

Complaint: A loan shows up under my social that was removed from my social in 2010. I no longer own the property but CHASE insists that because my name is on the original note that I 'm still responsible. The loan was recently modified by the loan owner that agrees that he has full responsibility but CHASE turned down his loan assumption request and instead pushed him toward a modification that does nor bare my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am continuously receiving phone calls throughout the day from a company by the alleged name of National Credit Adjusters. They continue to leave some sort of robotic like message stating that they are attempting to collect on a debt. Sounded very suspicious in nature. The recording sounded foreign like, with broken XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Consumer Loan (Vehicle loan) with SUMMIT FINANCIAL CORP (IN).
Issue: Managing the loan or lease

Complaint: I opened an auto loan in XXXX XXXX with Summit Financial. They just set up a website for the company about 4 months ago. I logged on to pay my account last month. The billed stated that my payment was {$430.00} + {$110.00} miscellaneous fee= {$540.00}. I paid that amount. This month I check my online account only to see that This month 's payment included another {$110.00} miscellaneous fee. I called Summit to find out what this miscellaneous fee is and she explained that the {$110.00} was not being charged each month. It was for XXXX NSF fees that were applied to my account in XXXX. They are continuously charging interest on this {$110.00} even though I made a payment which was more than enough to cover it. Instead of applying my overpayment to eht {$110.00}, they have the funds " set aside '' for me until I have enough extra month to make a full payment. They said that I have to " request '' the money be applied to the miscellaneous fee. Also, this company just recently started sending out statements within the last 9 months. Before then, I had no way of knowing what is charged and what is due. I believe this company is unfairly collecting interest by keeping consumers in the dark in regards to this " miscellaneous '' fee collection and interest accrual. I have requested a copy of my entire transaction history, but I am sure that this " extra '' money they have sitting aside for me has been there for a while. And instead of applying it to my principal balance, they have been unfairly gaining interest on it while charging me additional interest at the same time.

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 09/20/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a complaint to you against Bank of America and you sent me the following response : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. Bank of America has not explained everything or finished their response and you have not sent me an update and I am wandering if you have one especially since your statement says they have provided me with a " partial 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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: It was very difficult to pay my loan due to hardship times and when I would call they would not work with me at all. All they would say is " we would garnish your wages ''. So now I had no choice but to dip into my XXXX to pay my loan off with sallie mae.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have an account TD BANK USA/TARGET CREDIT # XXXX reporting to XXXX XXXX and XXXX.ALL 3 report vastly different from each other and yet each credit bureau verifies it as accurate.I 'm attaching all 3 different reports from all 3 bureaus.The payment histories are different and conflict with each other.The account was open in XXXX and CLOSED BY GRANTOR onXX/XX/XXXX, according to XXXX. XXXX says max delinq.of 120 days on XXXX ; XXXX says 120 days delinq.on XX/XX/XXXX.XXXX shows 90 days late XXXX, XXXX shows 90 days XX/XX/XXXX.XXXX shows c/o XXXX XXXX XXXX shows 120 days late XX/XX/XXXX.XXXX shows closed on XXXX, XXXX says closed XX/XX/XXXX.the DOFD is XXXX ON XXXX and XXXX on the other XXXX.I 'M ENTITLED BY THE FCRA TO COMPLETE AND ACCURATE CREDIT REPORTING WHICH I DO NOT HAVE NOW OR IN THE LAST 7 YRS NO MATTER HOW MANY TIMES I DISPUTE WITH THE CREDIT BUREAUS ... always comes back verified and still all 3 bureaus do not agree with each other.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (I do not know) with LENDING CLUB CORP (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I kept getting preapproved offers through mail and email. It was based on my credit. I applied for XXXX dollars on XX/XX/XXXX. My payments were {$200.00} monthly, at an annual percentage rate of 32.77 % for 36 months. I needed it for emergency cost for my XXXX year old so I took it. I were making my payments and paid a total of 7 to 8 payments. I ran into hardship and needed a better payment plan so I wouldnt get further behind. I called and was told that a payment wasnt an option. I sent emails but no response and I still owe XXXX. I dont know when it was charged but it is now. My last received payment to them was XX/XX/XXXX. Principal paid on the loan is {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I began to refinance with my current mortgage co and during the process our mortgage was bought by LoanCare. I paid the first payment to them when due and since the refi co was waiting for payoff letter I contacted LoanCare and they said they did n't have the payment yet and therefore could n't get an accurate payoff. My bank verified they sent payment and after being told by customer service at LoanCare that I should pay another way so I am not late, I did so over the phone with them and put a stop payment on the bank check. I stated to Loancare that I did a stop payment and to please note the acct as such. 2 days later I received a receipt stating they got the check and applied the funds. I called and told them that was not supposed to be an they said to not worry since the money would end up not being applied after the fact since I paid XX/XX/XXXX due. Well Loancare sent the payoff with the extra funds in the amount without anyone knowing this and we went to closing and finalized everything with funds being funded from mortgage co to Loancare XX/XX/XXXX. Loancare stated that I owe XX/XX/XXXX funds as well as the FHA regulator interest for XX/XX/XXXX now, {$880.00} on top of the mortgage! I stated that the funds went through XX/XX/XXXX and they said it was after XXXX therefore they had to add on the other money due to holiday and not processing until XX/XX/XXXX!!! Every call into customer service was terrible and left me in tears. They were beyond rude and completely arrogant in their responses. The timing from start to finish on how they handle money is beyond unacceptable and I cant imagine if they were my mortgage company for good! Considering they lost a check for 2 weeks, then applied is after I paid over the phone and then took the payoff amount 5 days to process that in turn leaving us to owe money that we do n't have! Terrible and sad that this is okay in the work of money, as well as the customer service dept being beyond terrible and barley able to understand what half of them are saying. SAD!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Trouble during payment process

Complaint: Ditech is showing our mortgage as 58 days late as of  XXXX  17  when they have stored unapplied amount of {$3000.00} we paid and not applied it to the mortgage. This is completely unfair. Furthermore, they are reporting it to all  XXXX  credit bureaus. I have contacted  Ditech  when the unapplied amount was approximately {$980.00} by email on  XXXX 17 and have not received a correction, just an acknowledgement of the email. Now, the unapplied amount has grown because we have been paying the mortgage, but Ditech has not applied it to the mortgage which makes us late. This is fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Essential Lending Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed for bankruptcy XXXX 2016. I included a loan from Essential Lending/XXXX XXXX in my bankruptcy. The name was listed under XXXX XXXX as that is the name of the lender as it is listed on the loan documents I received after the loan was obtained. Once my bankruptcy was discharged this year I called the company several times about it needing to be updated on my credit report and I also directly disputed this account with XXXX. This account continues to show as a negative open account with a {$340.00} balance even after multiple requests to the credit agency and the creditor to get this account corrected. It is affecting my credit and causing me distress trying to get this updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hello, Experian has mishandled the personally identifiable information, including name, addresses, Social Security Number,  and more, of myself and millions of other people. According to XXXX XXXX XXXX XXXX XXXXXXXX ), this was caused because of a vulnerability in XXXX XXXX, though it 's unclear if this was caused by a vulnerability discovered in XXXX or XXXX. If this mishandling of PII was caused by a vulnerability discovered in XXXX, this data breach exhibits an extremely unacceptable level of adherence to modern security practices. If this was the result of a vulnerability found in XXXX, while Experian was using the product of a vendor, they have still a lapse in security practices by not adequately penetration testing their services or checking for data scrubbing/data injection. 

Experian has made no attempt to directly contact me, even though they have effectively disclosed information required for me to be a victim of identity fraud. Their credit monitoring service, XXXX, is only offered for a small period of time even though I 'm subject to be a victim for identity theft for as long as my name and SSN are used as identity verification methods. Additionally, this breach is reportedly months hold, having been discovered in late XXXX, meaning my PII has been publicly disclosed for months now before Experian notified anyone of the breach. Top executives at the company sold millions worth of shares days after the breach was discovered by the company ( https : XXXX ), though they claim they knew nothing of the breach, which is even more concerning ; how could the company 's top executives not know about the largest security breach of the decade? 

My propensity for being a victim of identity fraud is now permanent. I would like to see Experian offer free credit freezing without a police report and free credit monitoring for the rest of my life. I would like to see Experian actively test their systems in the future for vulnerabilities, and notify consumers directly when they could be potentially impacted.

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 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have been a victim of identity theft for well over XXXX years. I have fraudulent and unauthorized credit card accounts and credit inquiries listed on my XXXX XXXX and Trans Union credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX/XXXX : XXXX-XXXX-XXXX-XXXX, XXXX XXXX/XXXX XXXX : XXXX-XXXX-XXXX-XXXX, XXXX : XXXX-XXXX-XXXX-XXXX, the following credit inquiries are fraudulent and unauthorized : XXXX XXXX/XXXX XXXX XXXX,  XX/XX/2017, XXXX XXXX/XXXX, XXXX, XXXX XXXX/XXXX XXXX, XX/XX/2017

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 07/13/2017 about Mortgage (VA mortgage) with loanDepot.com, LLC (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Representatives from Loan Depot have repeatedly claimed to be calling on behalf of the VA rather than a private loan servicing company. Their effort to extract personally identifiable information by fraudulently claiming to be US Government employees is a shameless and illegal means of exploiting veterans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX and XXXX are both reporting mortgages on my account that I 've never had with them. The interesting things is that they are both writing off this debt in XXXX different subsidiary names. I have written to XXXX and XXXX regarding this but it was not removed so now I write to credit agencies.

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 10-11-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I went to close my account, but they did not allow me due to open charges that have not been posted, I do not have overdraft protection. If i had no money to cover charges, money should not have been dispersed. I am now being charged additional fees for them paying bills when there was no money in the account to cover, multiple times. If I am held accountable legally if I write checks that bounce, how can a company do that for me, unauthorized ( no overdraft protection signed up ) and they were well aware at the local branch i visited that I was closing 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