milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
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: Hello, My name is  XXXX   XXXX  I am filing this complaint on TransUnion they have failed to provide me with physical proof of verification of an account by the company name  XXXX   XXXX  located in  XXXX , CA. I have sent two  XXXX  letters asking that TransUnion provide physical proof of verification and all they have done is send me a updated credited report saying verified account.     I know by law that I have a right to have physical proof of how they verified this information which they have failed to do so. I have also disputed this same account with   XXXX   and  XXXX  and they could not verify the account so Im very confused as to how TransUnion has been able to verify an account  but two othe r credit reporting company 's could not. I have an updated report from  XXXX  as well as  XXXX  showing item has been deleted. I am asking that TransUnion follow the law and my right and either provide me with physical proof or delete the item from my report as should have been done months ago.     I am providing my current report from   XXXX   showing they removed the account because it could n't be verified.     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 02-07-2017 about Mortgage (Other mortgage) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing this complaint in hopes someone can help me. Green tree bought my loan off of XXXX which is now Ditech. I was late by XXXX days they started XXXX my phone day and night ... constantly..I asked if i could do a modification because I was going threw a tough time they said oh sure, no problem..i got everything gathered up that I needed and faxed it, they said they never got it, next day same deal i fax and they started to ignore me, stating they never recieved it, this went on for XXXX weeks. as i was keeping the fax confirmation stating it went through, They ended up denying me for a modification, harassing me to get out and would ask me if i wanted to keep the property. I asked them what my options were since the modification did n't work out they said i could do a deed in lue ... asked them exactly what that was..they said a short sale. I needed to remove everything from the house, not even a coat hanger left in the closet and i would be approved for this for sure. So I did, moved everything out that weekend ... Called them monday to let them know and the phone calls stopped and could not get ahold of them. Kept trying and trying and nothing. Finally got ahold of someon who would talk to me, said i was denied a deed in lue! after i did what they said moved everything out ... they denied my modification and now this. I went back to the house only to find a lock on the doors and can not get in. They got what they wanted me out with denying me modifications or this deed in lue. Its been over a year and they keep sending me statement of how much i owe them and they have since put insurance on the property saying i owe that!!!! 
I delt with harassing phone calls day and night from these people ... .for months, did modifications that i was denied only after i faxed them XXXX times and told to move out and do a deed in lue, did that,,, ,denied ... .then they lock the doors and send me more papers to do a modifcation..someone plz help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NJ).
Issue: Credit decision / Underwriting

Complaint: We have had a home equity loan with Chase Bank since XXXX. In order to get the loan, a walk through appraisal was done at the time and the value of the house was given at {$620000.00}. We have a first mortgage with another company and the total borrowed amount was under 80 % of value. All accounts were paid on time and the full amount of the home equity loan was used for projects in the home. During the housing downturn of XXXX, Chase notified us that because housing prices were down, their electronic valuation tools put the home value at just over {$400000.00} and they placed a lock on the home equity loan. We used all the funds and were paying on time, so we had no problem with it. In early XXXX, while purchasing a new car, we were told the lock on the loan was a red mark on our personal credit reports. Now that home prices have returned to their former value, we contacted Chase to remove the lock and asked them to use the same electronic valuation tool they used before to value the house. They refused to remove the lock or tell me what the value would have to be. They insisted I had to pay for a full walk-through appraisal in order to remove the lock. So I paid an appraisal company to do a full appraisal - almost XXXX pages, with photos and XXXX local comps to justify the value of the house - now at {$530000.00}. The XXXX mortgages would still be under the 80 % of value required. It took three weeks and multiple visits to a local branch, faxing, emailing and communication before they finally got acknowledged receiving the appraisal copy. After a few more weeks and phone calls, they rejected the new value and refused to remove the lock because they did not order the appraisal - after telling me I had to do it myself. Again, we were not looking for more money, all I wanted was the red mark removed from our credit reports. We were told we can re-apply for the home equity loan using their appraiser. I was never told the value they were looking for to remove the lock.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the last number of months, I have been receiving phone calls from a company known as Portfolio Recovery. 

They do not leave messages, they just keep pestering my XXXX. 

At about XXXX, today, XXXX XXXX, 2017, I called back to the number they called me on earlier this morning, and told the lady who answered the phone that I do not want her company to call me anymore. I do not owe anybody any money. 

My phone number is XXXX. 

The various phone numbers they have called me from just in the last month are : A. XXXX B. XXXX C. XXXX D. XXXX E. XXXX F. XXXX I think that this " SCAM '' company should be exposed, and the people who manage the company should be indicted. All the money you can get from them should be evenly dispersed to the people they have needlessly pestered, which is probably 100 % of the people they are contacting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Adjusters, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Keeps calling repeatedly asking personal questions that is none of their business. Ex. After stating the time they are calling is not a good time due to me being at work they continue to ask " why did you answer if you are at work? Are you on break or something? Why did you answer if you could not talk? '' and being very rude. Had to ask several times who and what they were calling about as they were trying not to answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: MY Private student loans were discharged in a Chapter XXXX bankruptcy. Navient after 5 years has started to try and collect on these debts and have attached my credit as result. I have the legal document showing the discharge of the debt. They are at this point threatening legal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (ME).
Issue: Identity theft / Fraud / Embezzlement

Complaint: When I ran my credit report to buy a home I found a credit card from Capital One on my report ..I do n't have nor have I ever had a capital one account..I called Capital One and got the run around being passed from person to person who kept asking for the card number..I do n't have an account how can I have the number..Told them I was calling the fraud department for a fraudulent account they put me in touch with a person named XXXX who said she would call me back in 24 to 48 hours.. never did, than I find out that they closed the investigation and were holding me financially responsible for this account..How can I be held responsible for an account I never opened someone else did and they wo n't return my calls to resolve this matter..It 's XXXX dollars and is wrecking my credit they do n't care..I need help to get this off my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Greyhound Capital Group LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On my background shows I was charged with a XXXX case I have taken this to trial and found not guilty of all charges and would like information updated .this information should not be considered in hiring me with in companies.

Company response to consumer: Untimely response
Consumer complaint received 01/21/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TN).
Issue: Managing the loan or lease

Complaint: I 've had a loan since XXXX XXXX with XXXX, now Springleaf.. 

Last month they failed to withdraw the regularly scheduled payment and sent me an e-mail saying I needed to contact them about an important matter regarding my account. The e-mail was sent on XXXX XXXX, XXXX. 

I called, not knowing what the problem could be. I was told by a customer service agent that I did not make my payment for the month of XXXX ( which is normally withdrawn by automatic payment on the XXXX of each month. ) I asked how and why this happened and was made to feel that I was at fault. I asked to speak to a manager. I spoke with XXXX XXXX XXXX and he proceeded to tell me the same thing as the customer service rep. They both indicated that payment had been sent to my bank, and the bank told them there was no account with the number they submitted. I asked what changed since the beginning of the loan, we have never had any such issues previously. He finally admitted that they had made an error on their end, but still proceeded to make me feel it was my fault. He asked for a number to call me back later that evening after he could do some investigating, but I never received a call from anyone & have not til this day. About two days later I received a letter ( dated XXXX XXXX ) addressing me as if I had failed to make payment. A couple of days later, I received a bill indicating I had a missed payment. When speaking with them on the phone I asked why I had n't been contacted by them prior to this conversation, I was asked why I called them. I told them because I received an e-mail. I told them if there was an issue, why did n't you contact me in XXXX, not a month later. 

My question is should n't they have to cover that payment since they made the error? I have n't changed anything on my end since the beginning of the loan. They are now saying that I owe a double payment. I 'm currently waiting to see if the XXXX payment comes out of my account. 

What could be the reason that they changed my information and evidently put the account number down incorrectly. He kept saying they are now doing " direct pay '' and if that means I need to be sure to get the payment to them, why did they not ask me to set that up? 

I hope you can provide some light on this issue, so I will know my rights. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Struggling to pay mortgage

Complaint: Due to marital problems, we have applied for a short sale with Chase bank. I also have an attorney who was retained to help with foreclosure defense. Because of this, Chase will not allow the mitigation company who is negotiating the short sale to discuss the account, even though I have signed an authorization and my attorney has also sent a written, signed letter verifying that they are authorized. Chase has promised the negotiators on more than 15 occasions that they will get a call back from the appropriate department, and no one has ever called them. Since XX/XX/2017 I have submitted 2 different complete applications for assistance and have not once receive a response from Chase. We have gotten their foreclosure attorney involved as well and they have not been any assistance in seeing why Chase will not communicate with anyone about the short sale specifically. I am afraid that I am not getting a good chance at avoiding the foreclosure and we have had a viable offer on this home since XX/XX/2017!

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: I applied for and was approved for XXXX Southwest credit cards. Before I used the cards I called to verify that I would be getting the XXXX bonus on each card. The customer service rep that I spoke with assured me that I would. I used each card to meet the min spending on each card. I only received the bonus on XXXX card. I called back and they said that I 'm only allowed XXXX bonus per card. They said if I applied for the Southwest Plus card I can get my other bonus. I 've tried to apply for the Southwest XXXX card but have been denied. I feel I am missing XXXX bonus points.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit card () with DISCOVER BANK (PA).
Issue: Customer service / Customer relations

Complaint: My son is a college student who acquired a credit card with Discover about a year ago. He attended a wedding ( out of town ) on XXXX XXXX. He had told me then that he would not be able to make the credit card payment on time. He really struggles to make his payments on time. I had no money so I advised him to pay it late as he always pays in a timely manner. On XXXX XXXX at XXXX my phone rings. Caller id discloses it is Discover Financial I do not answer. At XXXX the phone rings again. Discover Financial so I answer. The woman asks to speak with my son. I tell her he is a college student and is not home. Well she says she can speak with me, am I his spouse? No I answer, I am his mother. Well she says he is probably at work so what time can she reach him? I again explain he is in college and does not live here. I also ask her why she is calling me at XXXX as I am aware she is calling about his unpaid bill. How late is it I ask two or three days? I found out later from my son payment was 5 days late at that point and these people were calling at XXXX about it. I also inform the rep that I believe it is illegal for them to call me before XXXX. She assures me they start working at XXXX so it is OK. She understands how I feel! No I told her, not really - you issue credit cards to college students who struggle to pay them on time and then you call and harass them for money when they are two or three days late on their payments. I told her if she really understood how I feel she would leave the building because I felt like dropping a bomb on it! I also asked her to stop calling my phone as I pay the bill and my son lives at XXXX University. My son later also told me they have his cell phone number but never call it. The rep told me they have no other way of contacting him except my phone number. I replied " well you have plenty of time to call me at XXXX maybe you can use some of that time to hunt him down! ''

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I mailed in a request for credit line blocking along with a copy of my D L, SSC, I dentity Theft Affidavit, and proof of address. It was sent by certified mail on  XXXX   XXXX . To my understanding it has yet to be processed and the time fra me is 4 busine ss days. I have called numerous times to check the status and I believe the people overseas who answers the calls have absolutely no idea what I 'm talking about. I 'm completely getting the run around and being told to check back.

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 07-11-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NV).
Issue: Settlement process and costs

Complaint: I had short sold my home in XX/XX/XXXX. My mortgage company was Green Tree Financial. They reported to the credit bureaus as normal. Since then I have been rebuilding my credit and as of XX/XX/XXXX they are re-reporting my short sale on my credit under a new company name of Ditech. It is showing an {$88000.00} balance owed and they are reporting 30, 60, 90, 120 day late payments. This has brought my credit score down over XXXX points.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: Select Portfolio Servicing Inc. in conjunction with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX have engaged in an extensive and pervasive pattern of discriminatory practices. We have been victims of mortgage and modification discrimination. SPS has rejected my multiple attempts to modify my home and refused to accept my KYHC and HAMP Programs imposing different terms and conditions without proper explanation. SPS has even gone to the extent of automatically transferring me to a XXXX speaking representative after stating my name. They once suggested I rent out the rooms to different XXXX families so I can catch up with my payments!! I would like to see a monthly/yearly report of the closed cases of foreclosure to show how SPS Inc. along with the above mentioned Banks discriminate the XXXX consumer and wrongfully denies modifications and forecloses on their homes!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery is reporting negative information on my credit file that has not been validated. I have asked that they send me proof that I owe this debt and that has not happened. Proof such as a signed contract with my signature on it. I have no knowledge of this debt and I 'm demanding that this debt be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (CO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I am writing to complain about XXXX XXXX XXXX. 

My name is XXXX XXXX and I am complaining on behalf of my sister, XXXX XXXX XXXX. I am a resident of CO and XXXX XXXX is a resident of NV. I received a harassing phone call from XXXX this morning, XXXX/XXXX/17, informing me of her debt in violation of both CO and NV state regulations. XXXX XXXX has never resided in CO, has never shared a phone number with me, and I have no knowledge of or interest in her debt. I believe my sister has suffered embarrassment and harassment as a result and I demand that XXXX make this right. 

For your reference the name of the debt collector is XXXX XXXX and the phone number is : 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 01/29/2017 about Bank account or service (Other bank product/service) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Account opening, closing, or management

Complaint: I was reviewing my yearly credit report from XXXX when i noticed that on XX/XX/2016 Santander Bank access my credit without my knowledge or permission. I contacted them via certified mail, expressing my concerns about unlawfully running my credit and i have not receive any response. They received my letter on XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Shopping for a loan or lease

Complaint: My husband and I purchased a loan in XXXX ... a XXXX XXXX XXXX. The car was with XXXX XXXX. Since XXXX, we have paid XXXX payments totaling {$11000.00}. I received a bill that listed my balance as {$13000.00}. I called Santander Consumer USA and was told my loan accrues daily simple interest and the payments I 've made towards the car was applied to interest. I still have XXXX payments to make on this car ... .this is disgusting!!!!! We are minorities that were desperate and needed a vehicle and were never told of the daily simple interest at the origination of this loan. I am convinced that this is a violation and NO ONE should be able to treat hard working Americans this way. We were treated like this knowing we had limited income and a poor score. This is taking advantage of borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Every day for about a week, commenity bank calls me 9 times a day and sometimes 4 times in less than an hour. I have asked them to stop calling so many times, I have asked them to take my number off their list, and even asked them not to call at certain times because they are calling during the time I go to bed. They have not stopped trying to contact me and have now started calling my mother as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I went to XXXX XXXX to secure a lease for a car. On XX/XX/XXXX two hard inquiries were issued .... One by XXXX XXXX dealership and a second by their finance company Chase auto.. My score dropped XXXX points And I need one of these hard inquiries to come off as it 's the same day fir the same auto lease.

Company response to consumer: Closed with explanation