milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: Due to severe financial difficulties, I was in a loan modification process with Green Tree for 9 months ( XX/XX/XXXX - XX/XX/XXXX ) after completing numerous " Uniform Borrower Assistance Forms '' and was continuously rejected. The reason was always that documents were missing, which was not true and I have the documents to prove it. I should have qualified for a loan modification based on my income and financial circumstances. On XXXX XXXX, XXXX, after I received another rejection from Green Tree for a loan modification, I called Green Tree for a reinstatement amount since I was worried about loosing my home. I forwarded a cashier 's check in the amount quoted by Green Tree over the phone on XXXX XXXX, XXXX ( only 19 days after receiving the written rejection for a loan modification ) and have since then paid my " Regular Monthly Payment '' in accordance with Green Tree 's monthly billing statement. Despite these facts, Green Tree filed for foreclosure proceedings on XXXX XXXX, XXXX ( please note that the date is after the reinstatement amount was paid in full ) and added all kind of legal fees to my account without any kind of written statement, letter nor invoice. The mortgage document requires all notices to be in writing, which Green Tree did not do. I have even been accepted by XXXX XXXX XXXX XXXX on a pro bono basis since these actions by Green Tree are not legal, however, they are refusing to remove the charges from my account and are now threatening foreclosure again. I have an entire folder of correspondences between Green Tree and myself over this entire period and we seem to be going in circles at this time. It is very frustrating since Green Tree is a debt collector and not a mortgage company and it seems impossible to deal with them in a professional manner.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (Federal student loan) with AES/PHEAA (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received XXXX notices from XXXX XXXX XXXX that my student loans were eligible for default. The letters went on to say that XXXX verified my employment and that my lender may contact my employer to institute a wage garnishment. 

I have not had loans with this company for years. I called and both XXXX and the lender told me this was a mistake by XXXX, that they accidentally sent out THOUSANDS of these letters to consumers. This is atrocious.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Debt collection (Other debt) with ERC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I disputed a XXXX XXXX bill on my credit report, XXXX removed the item 2 times and they keep putting it back on my credit report. As of XX/XX/XXXX it is back on my credit report. it was removed on XX/XX/XXXX XXXX file number XXXX. XXXX  XXXX XXXX , XXXX XXXX XXXX, XXXX Ma . XXXX { XXXX } is the credit collector noted on the report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen. At the early part of 2016, I started to receive telephone calls from several credit card and a exercise equipment company stating that I had taken out credit and had began to go delinquent in my payments. I filed a police report and provided it to all the creditors that I did not recognize on my report. While some companies have removed the fraudulent accounts from my report, Chase is one company that has refused to do so. I hired an attorney to handle this matter for me. He stated that Chase would only agree to settle the balance that had now charged off. I made all the installments to pay it in full. However, the impact of identity theft is still affecting me because this shows as a negative entry on my credit. I would like for Chase to take in consideration all of the documentation I 've provided on identity theft and the great lengths I 've gone to get this rectified. I have disputed this in writing and directly through the bureaus but no one will listen to me! I have even agreed to pay money back that I never received. I want them to remove this from my credit report because we NEVER were in business on this account and they have come out the victor by getting money from me anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (NJ).
Issue: Trouble during payment process

Complaint: I attempted to pay-off mortgage after being a few months behind to close loan. On XX/XX/XXXX, I contacted PHH Mortgage Services, XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX to inform them I was going to pay-off loan and requested a pay-off amount. At this time, PHH did not establish the fact that my home was in foreclosure. I was told that a loan pay-off request was made an that it would be emailed to me. I waited until XX/XX/XXXX to see if the pay-off statement would be received in my email and it had not. I contacted PHH again on XX/XX/XXXX and inquired as to where my pay-off statement was as I had not received it. The individual stated that it was in the system and entered another request for a pay-off statement. I had not received and contacted PHH again on XX/XX/XXXX and they said to wait 5 days. I contacted PHH again on XX/XX/XXXX after not receiving the pay-off statement and they stated it was in the system. Loan Number XXXX On XX/XX/XXXX, I received a letter from PHH dated XX/XX/XXXX stating my property was in foreclosure despite my attempts to completely pay-off mortgage loan on XX/XX/XXXX. I contacted PHH, XXXX XXXX - Tel. No. XXXX, XXXX, who is identified in the letter dated XX/XX/XXXX with the statement about being committed to working with me. She said that I would have to contact the PHH Collection firm who was assigned the case - XXXX, XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX, Tel ( XXXX ) XXXX. 

Not much help from XXXX XXXX despite my attempts to pay off mortgage completely. 

I have the impression that the passing of the loan to a collector is only to enrich the Collector and others and take advantage of a XXXX XXXX XXXX XXXX XXXX. 

Please look into this provide some help as this is really uncalled for and disrespectful to a XXXX. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My lease was coming to an end at the XXXX. I submitted my 60 days notice 90 days ahead of time to then property manager. He honored the notice and filed it along with my lease information at that time. 30 days before my lease was up I get notice telling that my lease is up in 30days and I had n't submit any notice as to if I 'm renewing my lease or leaving. I then contact the rental office and told advised them that I had already turned in my noticed not to renew. I was then advised that the office staff is new including the manager but they would check everything and I could disregard the letter. They did contact me and informed me that they has my notice the next day. Upon move out day I was told I didnt have any balance and my account was clear and closed. But then 1 month following that I get a phone call telling me that I will need to pay for a prorated month and a whole month for the unit not being under another lease agreement upon me leaving. So there trying to make me pay the monies loss while they waited for another tents to rent the unit. When I refused to pay and cited that I submitted timely and proper documentation to be let out of my lease. That excused me for having to pay any loss monies for the unit being empty. They then stated that I would be sent to collections because of it. And now I have a account in collections with fraudulent charges all because this complex wanted me to pay for a unrented unit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I has been over 30 days and experian has not completed my file. I did a investigation and tacked everything for the last 5 months and noticed Experian was lying to customers about verified information. I do really need help and looks like experian 's client " XXXX XXXX XXXX '' has paid extra to stay on my credit report bc I never took part with that company. Attached is from the FTC and has updated information. Looking forward to getting this resolved.

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 09-11-2015 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian will not investigate those collection items XXXX XXXX In which all should be deleted it has been over 7 years and they are still reporting these accounts. There is also XXXX bankruptcy on my file which do not belongs to me should be deleted. XXXX and XXXX are not reporting those bankruptcy neither collection items accept XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing

Complaint: This is regarding the XXXX transaction that took place on XXXX XXXX, 2015. It was my knowledge that Capital One had a 20 % ride credit for all XXXX rides but Capital one failed to send me an email for setting up a Promotion code to have the XXXX XXXX ride for free. Searching through my inbox, I have no record of such an email in my inbox and Capital one is using false advertising to claim this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After Hurricane Maria passed through Puerto Rico, all financial institutions offered a three-month moratorium on their different loans. In addition, it was reported that no surcharges would be charged during this period and that arrears would not be reported to credit agencies. 

In my case I did the whole process as indicated by the financial institution and after several weeks they called me and informed me that the moratorium on my mortgage loan was approved and they gave me a date to present me with some documents to sign the agreement. This appointment was canceled until further notice. 

Meanwhile, I am in negotiations with another financial institution to obtain a personal loan which I can not obtain due to the low in my empirical. So, I request a report from the credit agencies and it is there that I realize that I have registered three months behind on my mortgage loan. Since then I have tried to resolve the situation with the XXXX XXXX XXXX and XXXX XXXX without any success.

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 07/15/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (MN).
Issue: Received a loan I didn't apply for

Complaint: Someone stole my personal information and identity and applied for a payday loan with Cash Central. The account with Cash Central is a fraudulent account and do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Bank account or service (Other bank product/service) with BARCLAYS BANK DELAWARE (TN).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX from the office of the president for Barclaycard did reach out to me. However, she had left a voicemail and ever since then we have been playing phone tag. She also has n't paid attention to my request that I left in my voicemails. Because of my work schedule and the time zone difference, I had requested that she call me before XXXX. To me, that 's a small thing to ask. 
After each voicemail I left her, I ended up having to repeat myself as to what times would be best to contact me, and I had to leave a voicemail quickly as I was using my break time to respond to her. 
In my 2nd voicemail I left her I requested if we could communicate through email and I even provided her my email address. She responded to my email with a generic, robot-like response, only repeating what her office hours were and not at all like there was a human on the other end of that email. 
I have since again, left her a 3rd voicemail!, requesting her to either let me know if she could take care of my request which is to have my online account closed! That 's all I 'm asking for! I even told her to please pull the information regarding the communication via secure email that I sent to have it closed. XXXX reps told me that it had to stay open for 7 years and another said for 6 months. I have had multiple banks and all of them allowed me to easily close my online account. Why is barclay being SO DIFFICULT!! I do n't need anything regarding my online account services and wish to have it closed for my protection!! 
That 's all I 'm asking and it should n't be this difficult to get a response as to whether or not this can be done. XXXX XXXX shoud n't have had any problems figuring out what my issue was as I plainly listed it in my initial complaint. I 'm filing another complaint because of the way communication is being handled, the fact that she has n't bothered to really " listen '' to my voicemails, the fact that the email address she wrote me from was n't a direct email address to her and went directly to the call center email department and she did n't say that AT ALL in the email she sent. 
I 've just had enough. All I 'm asking for is to have my online account closed and I 'm not taking anymore time out of my work day to return her calls since she ca n't respect the time that I have available to talk.

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 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: well i did email discover to make a payment deal they never replied to me..i had a death in the family ( stepmom ) and my dad is ill now and XXXX so he ca n't help with his account ... what happen it i am staying in nc and found a job just so i can clear up some cc 's well i had money to pay my discover bill ( it 's a secured card ) and i went to pay some of it before time ... it is due on the XXXX and the only way to pay is checking or savings ..i explained to them a while ago i had to close them to give money to help my XXXX year old dad so now that i have the money they are telling my the only option is checking or savings ... i did remind them in the past i could n't because my checking account went bad and now XXXX in involved and stopping me from getting a account so i can give the info to discover..they keep saying sorry this is the only way..i used to think highly of discover ... even the smaller cc company 's i have have options to pay the bill ... i am stuck here so i wrote them and said wow i am trying to pay my bill and you have no options..i am toast now and when the XXXX goes by i am even going to have to pay more..so i guess i can just give up and file with yous ... i have no choice it 's only me and my dad and he ai n't going to help i had to clear out all my accounts to help him..discover do n't want to hear this and wo n't accept my money ... i give up ... i do n't know what to do so ... i wrote yous ... owell i will just let all my credit i fought for 2 years from today and from the start ..i never even had or cared about credit so i was iffy in the start and now owell i guess i will just block everything and be in dept for the rest of my life and just use cash ... i want to pay them off and they have my deposit and wo n't budge to help in any way just get me deeper..so i guess i will just keep ignoring it and pay off the others..if i would of known this was only 1 option from a well known cc i would of said no ty ..now that i know ... discover is the worst cc in the world..the smaller cc have better options..what a joke..owell i tried ... see ya ... i give up on all of it it ; s all way to much ...
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: Bank of America charged one year rent for a safety deposit box two years after I closed all my accounts and left the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: As opposed to deleting tax lien from my credit file as unverifiable. TransUnion marked the debt as paid, in order to keep an unverified tax lien on my credit file.

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 05-12-2015 about Bank account or service (Cashing a check without an account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: I was written a check by a member of Chase bank. I went to Chase to cash the check and was told there would be a {$6.00} processing fee to cash the check as I was not a customer of theirs. Why would it matter if I am their customer? I 'm holding a promissory note on their paper from one of their customers who obviously is using that bank to store their money. They ca n't even be concerned about cashing a check with insufficient funds, as obviously they can check the account to see if the funds are available. I simply do n't see the logic behind this new fee other than to try to get more money out of the average person. And why would I want to open an account with a bank that wants to charge me money to cash their own checks? How does that make good business sense?

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX ,    2017   XXXX   XXXX  made a hard inquiry on my credit report. Now, they deny it ; the Experian CREDIT beurau denies it as well. Neither company is willing to help. I am applying for a loan for a house and need to get this removed asap.

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