milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: The borrower has XXXX mortgages secured by her home. The first is serviced by Green Tree and the second is serviced by XXXX XXXX XXXX. The borrower defaulted on both mortgages in XXXX 2013, after her husband passed away. Soon after she defaulted, the borrower submitted a modification application to Green Tree. By letter dated XXXX XXXX, 2013, Green Tree offered the borrower a Trial Period Plan for a XXXX Loan Modification. This trial period plan commenced with an XXXX XXXX, 2013 payment of {$2200.00} and ended with a XXXX XXXX, 2013 payment of {$2200.00}. After the borrower successfully completed this trial period plan, Green Tree offered the borrower a permanent loan modification agreement. The borrower signed the permanent modification agreement on XXXX XXXX, 2013 and Green Tree signed the agreement on XXXX XXXX, 2013. Since this time, the borrower has been current on her XXXX lien mortgage loan. 

The borrower is now attempting to modify the XXXX lien mortgage loan, which is serviced by XXXX XXXX XXXX, a participant in the XXXX Lien Modification Program ( " XXXX '' ). During the application process, the borrower provided XXXX XXXX XXXX with a copy of the permanent loan modification agreement executed by Green Tree and proof that she is current on her first mortgage. The borrower then requested to be evaluated for a " XXXX '' modification for her second lien mortgage loan, because her XXXX lien mortgage loan had received what appears to be a XXXX Standard Modification. After conducting its review, XXXX XXXX XXXX informed the borrower that Green Tree had not properly reported the first lien mortgage loan modification to XXXX. Consequently, XXXX could not provide matching information to XXXX XXXX XXXX so that XXXX XXXX XXXX could then extend the borrower a XXXX modification. The borrower then mailed Green Tree a Notice of Error, explaining the aforementioned error, and requesting that Green Tree properly report the loan modification to XXXX so that the required loan information is accurately reflected in the XXXX database.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i have XXXX accounts on my credit report with the same company only one is correct

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: During the perioid of XX/XX/XXXX to XX/XX/XXXX I was going through hardship being a single mom, trying to further my education plus being on the system. I struggle a lot with XXXX. I applied to have to loans payment reduce or pause until I was able to pay all bills on time. To my knowledge this was done. Finally 2-3 years later I am able to start paying some amount which is at a fixed rate, but what was not disclose to me is that XXXX XXXX or Navient report me last 90-120 days on my credit report. I barely have money, now I barely have credit!!! Also a victim of Identity Theft I been fighting now over a year to have my credit fix. I been fighting with the bureaus and now Navient that I was never late paying my loan, I filed the correct payment hardship so I would not be penalize for my struggle. I have gotten no where with the credit bureaus and also Naveint. This have place such a depress tole on my life I am thinking of filing bankrupt just to get some ease. I wish to just have the late payment marks on my credit report remove and the correct payment history I reported. I am not running for what I owe I will always repay any help from my Lovely Country but this is not fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Debt collection (Mortgage debt) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: See attached Cease and Desist # 1 letter which I sent on  XX/XX/XXXX . As of today, we have not yet received sufficient response to this letter. Also on  XX/XX/XXXX , I called SPS and spoke to  XXXX , OPERATOR  XXXX  and informed her that   XXXX   XXXX   is disputing the debt and requested for all the collateral file, including but not limited to ( completely filled out and signed documents ) Truth in Lending, HUD-1, Good Faith Estimate,   XXXX   typed and handwritten,   XXXX    Milestone Report, Loan Transaction History since origination,  XX/XX/XXXX  to present,   XXXX   XXXX   since  XXXX  to present and more. See attached letters of my conversation and list of documents.
 <P/> I  called again on  XX/XX/XXXX following up on my request and wanted to be sure that they were also including Truth-In-Lending, HUD-1. I also wanted some information about the Substitution of Trustee recorded on  XX/XX/XXXX . We were already questioning the validity of this in addition to the Assignment of Deed of Trust. There were too many irregularities and we needed time and the information, documents requested to review and hoping to answer a lot of our questions. Especially with regards to SPS validating the debt.   XXXX   XXXX   filed for Bankruptcy and his credit reports does not reflect full details of his loan with   XXXX   XXXX   XXXX  ,  XXXX  and other questionable issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX or XXXX of XXXX 2015 my mortgage company, XXXX, informed me that Green Tree, now Ditech would be takingover my mortgage, letter stated payments prior to XXXXwere still to be made to XXXX. Payments made after XXXX of XXXX were to be paid to Green Tree/Ditech. In XX/XX/XXXXI started receiving statements from Green Tree/Ditech thatI was behind XXXX payments, I talked to an accountrepresentative and was told that it looked like XXXX and XXXXpayments had not been forwarded to Green Tree/Ditechfrom XXXX. Now it is almost XXXX, Green Tree/Ditech claim they do not have those payments. However, Green Tree/Ditech have received my XXXX paymentsmade out to them. They have been applying those pymtsback to XXXX which still makes it look like I am behindXXXX payments. I need this cleared up immediately. I can providecopies of the checks, signed certified return signature cardsand copies from the bank where those payments cleared the babank from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I rented a car paid for with  my U.S. Bank Visa  card. The car had over  XXXX  miles on it and had a carbon monoxide leak unbeknownst to me. I became unconscous while driving due to the carbon monoxide poisoning and crashed into a telphone pole. I filed all papers in my possession and asked the rental car company for repair documents, etc, which were never in my possession. They iniitially said they would provide them but then ignored my ema ils. U.S. Bank refused to proess the claim because they said " I should have kept copies of the papers. '' I did keep copies of the papers in my possession, but obviously I could n't get copies of papers the rental agency refused to provide. U.S. Bank refuses to reimburse me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: The new mortgage servicer, Speclialized Loan Servicing did not provide me with the required welcome letter. The law requires that borrower receive two notices, one from your original mortgage servicer, the other from the new servicer. Unless you received a written transfer notice at settlement, your current servicer must send you a " Dear Borrower '' letter at least 15 days before the effective date of the transfer, which would be when the first payment is due at the new servicer 's address. The second notice -- a so-called " welcome letter '' -- should come from the new servicer, which must notify you within 15 days after the effective date of the transfer. 
Moreover, Speclialized Loan Servicing is engaging in the prohibited practice of dual tracking while I 'm under review for a loan modification. I was under review with the prior servicer, XXXX XXXX XXXX XXXX, XXXX and just prior to the transfer of Specialized Loan Servicing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 submitted a dispute to transunion concerning two tax liens that are still reporting that has been paid since ... XX/XX/XXXX for XXXX released XXXX County Superior court XX/XX/XXXX for XXXX released XXXX County Superior court letter received from Transunion XX/XX/XXXX indicates that the investigation was complete & information verified as accurate. My understanding is that it will remain on my credit report for 7 years from the filing date XX/XX/XXXX. I would like to have this dispute looked into as I have worked very hard to rebuilt my credit as well I have been very patient!

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 Debt collection (Other debt) with LAMONT HANLEY & ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Last year I had my daughter removed from my insurance and for most insurance still withdraw money for renewal from account for both cars and people. They stated they could not refund my bank.. caused me overdraft really bad. Cause they kept hitting the account. I called several times sent document everything.they then continued to change my policy and charging more and hitting my checking account. Was never given back my money.. I cancelled in XXXX XXXX,2017 they still keep charging me & sending me to collections. I keep calling and faxing documents & they keep sending new policy. Now collectors are calling screaming at me.. they now have my insurance collection with security

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: I  XXXX    XXXX   walked inside California Check Cashing Place {$250.00} onto my card I woke up the next morning to pay for the hotel room because our ceiling was leaking and it c alled black mold so decided to go place money on to the card gave them the money left the building went back to the room for the night the next morning I woke up to pay the money for the room and there w as no funds there so me my wife and kids were left outside in the rain on the sidewalk with our clothes so I returned to the check cashing place ask them what was going on the guy asked my name he said that the lady yesterday done something that she should not have done she went inside the system after hours cancel the card without me being there my number my name and number is on file concerning this situation she left a temporary card I took the temporary card took my family out to get something to eat put something warm on there stomach went to the register and there was no funds on the card what back to the place of business they gave me the number to the distr ict manager spoke with him 2 or 3 times since then have not received my money back or any other notices it 's been nearly four month s

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX and XX/XX/XXXX, I hit a financial rough patch. A lot of this was due to unstable income due to independent XXXX jobs I was performing. In XX/XX/XXXX, my car was repossessed. I quickly redeemed the repossession and had my car back within 72 hours. 

For 7 years, this haunted my credit report. In XX/XX/XXXX, I was giddy that the FCRA enabled this mishap to no longer limit my financial freedom. 

However, it required a complaint with the CFPB on XX/XX/XXXX to get the auto lender to respond on XX/XX/XXXX to me and the CFPB with : XXXX XXXX will honor ( my ) request to remove the redeemed repossession comment from his credit report. We asked XXXX XXXX to allow up to 30 days for the update to be reflected in his credit file. 

As of XX/XX/XXXX, this information was still present on at least one of my credit reports ( XXXX ). I have filed complaints with XXXX to no avail. 

The FCRA provides for this information to be removed from my credit reports. It has been removed from at least one and hopefully after this complaint from all 3.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Company is reporting an outstanding balance. There is no outstanding balance, and the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit card () with Dennis Dillon Auto Park and Truck Center, Inc., (ID).
Issue: Transaction issue

Complaint: I 'm not sure if this is the most appropriate agency to contact regarding my complaint. I did pay for the service/repair of my car with a credit card. I took my XXXX Nissan Frontier to Dennis Dillon Nissan in XXXX for repair on XXXX/XXXX/2013. This is an authorized Nissan dealer in XXXX and I was told that they only utilize Nissan parts on repairs/replacements as shown on the Estimate. I agree for them to repair my car after I understood they would use Nissan parts. I found out later after receiving my car that some parts did not look new and I reached out to the dealer only to be told that parts used were aftermarket because the Nissan parts were not available. However, at no time during the repair process I was informed that the parts were not available and aftermarket parts were going to be used instead. furthermore, on XXXX/XXXX/2013 I paid an invoice showing the agreed parts on the estimate and I was not told that different parts were used as noticed on the invoice itself. 
I made multiple attempts to reach a resolution with Dennis Dillon. I requested proof of where the parts came from and I was given a " parts shipment list '' which after investigation, I found that those parts were for multiple vehicles and none were actually for my car. I looked up every single part number at Nissan.com. 
I spent about XXXX months trying to resolve the problem with Dennis Dillon. I noticed that the aftermarket parts started to show corrosion a couple of months after they were installed and I tried to get dealer to honor the lifetime warranty that he mentioned on a XXXX/XXXX/2013 email. Dealer refused to honor the warranty. I also discussed with dealer getting a refund for matching the price with the lower cost aftermarket parts that they had used but they refused. Dealer eventually stopped all contacts. 
I tried to hire a private Attorney but Idaho is a very conservative State and most of them represent the insurance/defense. I did talk to a couple who believed that the amount paid for the parts was n't large enough for them to take the case. 
I 've been taking my car to another Nissan dealer for maintenance and I 've found out that some parts that were supposed to be replaced are not on my car at all. for example, the front Grill was coming loose on one side and I was told today that there were seven clips that were not installed during repairs by Dennis Dillon. In addition, I was also told that they did n't do a proper job because the repaired side had been bolted rather than welded and as result it looks uneven on that side. 
I 'm not sure if the FTC or other agency protects consumers from predatory/fraudulent practices but here is Dennis Dillon Address/contact information : Dennis DillonXXXX XXXX XXXX XXXX, ID XXXXPlease let me know if you can help me. I already tried hiring a private Attorney but not many in this area represent the people. 
Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My credit card with XXXX XXXX was charged off in XXXX 2016. XXXX XXXX has been reporting that charged off account as late & over the limit every month since it has been charged off to all XXXX credit bureaus. This is a huge concern. Please resolve this issue.

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 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My XXXX account indicates a hard enquiry that I did not authorize. 
Details are : Name : XXXX XXXX XXXX XXXX Date of enquiry : XXXX XXXX, 2017 Agency reporting : Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Student loan (Private student loan) with First Associates Loan Servicing LLC (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Included in my loan agreement is a provision ( found in sectio n ( E ) ( 9 ) ) th at states I am eligible for a three percent ( 3 % ) reduction in the Margin of my Loan if I satisfy certain requirements. Currently, my Margin is 17 % ( without said reduction ). I meet the requirements for the Margin reduction.   I first messaged  First Associates o n  XXXX   XXXX ,    2017 as king for a list of what they would consider sufficient documentation. They did not respond.   I mailed a letter dated  XXXX   XXXX ,    2017 re questing the reduction and provided ample documentation demonstrating my eligibility. In said letter, I requested that I be notified within 10 days if any of the documentation was unsatisfactory. Otherwise, I requested that the reduction be applied to my Margin effective immediately.   My letter and documentation was received  by First Associates o n  XXXX   XXXX ,  2017. I ha ve not heard anything from  First Associates re garding my request, nor has the reduction been applied to my Margin.   I require that they uphold their side of the loan agreement and apply the 3 % reduction to my Margin, retroactively effective to the request date of  XXXX   XXXX ,    2017. M y new Margin should be 14 %.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: As part of my estate planning to make sure my wife and children are taken care of when I die I created a living trust with my wife in XXXX XXXX with my wife and I as the sole trustees. We have always titled all of our properties in the name of our trust since that time including our residence at which had a HELOC with Wells Fargo Bank. In XXXX we bought a new primary residence and unfortunately made the bad decision to finance it with Wells Fargo Bank , N.A . Besides the fact that the origination process was horrible and their fraudulent flood department that is part of Home Equity made us get unnecessary flood insurance ( subject of previously filed complaints ) I am now being harassed by Wells Fargo Bank , N.A . about holding my property in the name of a trust. First I got a letter stating that I needed to fill out forms, notarize them and include copies of my trust pages which I did. Now I received a second letter from XXXX XXXX, a VP ( that according to customer service does n't have a phone number I can use to speak with her so I 'm not sure if she is a robo signer ) stating that I have to have a modification agreement recorded against my account. When I called Customer Service to speak with them they said that my account would be restricted if I did n't complete the forms ( it is already restricted due to a short sale in XXXX ) and that if I do n't comply and keep my account in good standing they are going to take actions including possible foreclosure. 

I continue to have problems with this bank even though I have over XXXX accounts with them. CA state law allows for individuals to have properties held in the name of a trust and still have a loan on them yet WFB seems to think that they can usurp state law and create their own rules. Also it 's important to note that WFB does n't have a problem with the Conventional XXXX loan that they service since that is n't their money but when they have a portfolio loan they create complex billing situations ( see other complaints about how they steal money by misapplying payments ) and harass me about my estate planning.

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