milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Consumer Loan (Vehicle loan) with STATE FARM BANK, FSB (NJ).
Issue: Managing the loan or lease

Complaint: To The CFPB I refinance my care back in XX/XX/XXXX and I made my payements like am suppose to do each month that it is due on the XXXX of each month. In the first year I have sent an extra check in the envelope towards the principal. When I would check on line I would see the bank took out interest out of the check that was suppose to be principal. I called the bank have to them correct this. I would write on the check principal and a note inside the envelope principal payment and they would still take out interest. 

I told them what they did wrong and they corrected and I would have to wait a couple of days and I would check on it. After a couple of time like this then I was told told that I was to send my principal payment to another mailing address. 

Then I started making some extra principal payments I would send them to the other address like I am suppose to and they started to take out interest a few times again until I called them an said this was a principal payment. One man try to tell me I sent it to the wrong place I told him I did n't because I send my car payment to one address and if I send principal payments it goes to another address. I put him in his place and the bank screwed up!!! XXXX i wrote on the check principal only as well, I said your people cant read whats on the check. 

This month of XX/XX/XXXX I sent my car payment in to one address and a good amount of principal to another address. When I went to check on line to see if they received my payment they did, but they stated on my account on the next payment due I would owe less by a certain amount. I called in to find out what was this all about and I was told because I made a payment in XX/XX/XXXX, they took a couple of dollars out. 

I told them that was a principal payment and they had no right to take any interest out of that amount, that check was sent to the place where it was suppose to be processed as principal and I wanted to be corrected, I wanted to know who processed this transaction regardless of any amount, I made it clear on XX/XX/XXXX. I said if you were making car payments and the bank did this to you, you would n't like that being done to you. I demanded that to be corrected but i was told it was over XXXX days. 

I got a call later a few minutes later and I was told I sent the check to the wrong address and it was fed into the computer, I told them I sent it to the correct address and even later this year the bank screwed up on my principal payments at the principal processing bank facility. 

If they are doing this to me, can you imagine how many others are being taking advantage of this situation and making extra money and the people know or do n't know this and do n't know how to correct this. 

I would like this facility to be audited, they need to be exposed and audited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (GA).
Issue: Struggling to pay mortgage

Complaint: I have an issue with DiTech Financial who holds the mortgage on my home. They have demanded reinstatement funds from me to postpone a foreclosure sale, which I provided and can document ( see attached ). However, they failed to apply these funds to the mortgage, they have kept my property listed as a foreclosure sale through public notices and they continue to categorize my mortgage status as delinquent. I dont know if this is due to incompetence or inefficiency or if DiTech is attempting to steal my home through their unethical business practices. Due to unforeseen circumstances my home went into delinquent status. Once I was made aware of the circumstances I reached out to DiTech to resolve this matter. I was told that the only option available to postpone the foreclosure was to fully reinstate the loan. I contacted legal representative XXXX, XXXX XXXX XXXX in order to determine the amount that needed to be paid to reinstate the loan and postpone the foreclosure sale. The SAME DAY I received the reinstatement figures I wired the money to them, and they acknowledged receipt of the funds and communicated with me that the foreclosure sale date had been cancelled. So one would think that everything was fixed and the situation handled. My home is still listed as being in foreclosure and as recently as 3 weeks ago a foreclosure sale notice was posted. My mortgage statement does not reflect the fact that I am paid up and current and instead continues to give the impression that I am in delinquent status. Despite repeated attempts to correct this issue and to obtain a proper accounting DiTech has rebuffed me at every turn. I need to get a full and correct accounting of payments received and applied, as well as the amount of late fees, legal fees, inspection fees and likely JUNK I have been charged. I have been an Attorney for the last 27 years and am able to make my current monthly mortgage payment without a problem. My issue relates to my wife, who has been having some mental health issues lately. She was in charge of paying the bills, and for some reason she neglected to make the monthly mortgage payment for several months. As soon as I became aware of this and the fact that we were in foreclosure status I IMMEDIATELY attempted to work things out and ended up reinstating the loan as directed by DiTechs law firm. Why has DiTech refused or ignored the fact that I reinstated my loan? Why is my property still listed as a foreclosure sale?? Why does my statement not reflect the amount I reinstated? Why is there a deferred balance listed on my mortgage statement? Why is DiTech treating my mortgage as though it is in delinquent status when I have reinstated the loan and made the monthly payments as agreed the last three months? I need some answers.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My account was approve for Forbearance from  XXXX   XXXX    XXXX  .  Navient  reported late payments for this time frame. I provided the proof that my forbearance was approve but they refuse to update my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I would like to know why Experian has given me a score of XXXX XXXX XXXX & XXXX XXXX consider me an excellent credit score. 
Last year I furnished all bureaus the same settlement info. Recently I applied for a credit card with XXXX and was denied because of Experian 's report? I would like to know if they have some magical process that is some how different from the other XXXX? I bothered to fix my credit only to have it remain tarnished. It appears more political than ethical when it comes to banking.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: In XX/XX/XXXX i submitted a dispute to ALL three credit bureaus. Experian, XXXX and XXXX. My dispute was simple. I felt that my hippa rights were violated. A third party agency has my medical information and i am SURE i have NEVER given anyone permission to release my information. I explained to all three bureaus that this was NOT a dispute and i was demanding proof of a medical release form or remove these accounts. I was not asking for verification or validation of any debts. Experian removed all these accounts. Somehow ALL these accounts came back about 2 months ago without me being notified. I then sent in ANOTHER dispute and experian hits me with a frivolous " fraud dispute letter '' mind you i wrote this letter out AND signed it. I sent another letter, still no reply. Experian needs to remove these accounts or they 'll see me in court for one re-inserting items back on my credit report without my knowledge for two FAILING to dispute the inaccuracies thaf i found on my credit report. 
XXXX ALSO removed and re-inserted accounts. Everytime i redispute them i NEVER hear back from them. 
XXXX replied that the accounts were VERIFIED. I clearly did not dispute these accounts. I want a medical release form from these collection agencies or i want these accounts removed ASAP!!! 
My personal and medical rights have been violated. I will protect my rights even if it means going to court. I will not stand for this. The following MEDICAL accounts need to be removed IMMEDIATELY XXXX ( multiple accounts ) XXXX  XXXX ( multiple accounts ) XXXX ( multiple accounts ) XXXX XXXX XXXX DOES N'T SHOW THE NAMES OF THE COLLECTION AGENCIES BUT ACCOUNT NUMBERS. THEY ARE STILL THE SAME. I AM GIVING THESE CREDIT BUREAUS 15 DAYS TO ADHERE TO THE LAWS OR I WILL BE FILING A LAW SUIT!!!!!!

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 10/20/2015 about Debt collection (Credit card) with Capital Management Services, LP (OR).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have a delinquent debt which I know is delinquent and I sincerely want to make right. The representatives called me names, belittled me, and humiliated me while others listened in. I was so embarrassed that I hung up and burst into tears. This agency also has been deceptive multiple times. The first representative offered a certain number that I called to attempt to repay, but then the company denied that the offer was made.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 07-10-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: CONVERGENT OUTSOURCING CONTINUES TO UNLAWFULLY REPORT TO XXXX AND XXXX DISPUTED 3RD PARTY DEBT TO WHICH CONVERGENT HAS NOT PROVIDED DOCUMENTS TO VERIFY AND/OR VALIDATE THE DISPUTED DEBT. I HAVE NEVER HAD A XXXX ACCOUNT AND CONVERGENT HAS ONLY EVER PROVIDED XXXX STATEMENT ( S ) ABSENT ANY OTHER DOCUMENTATION. CASE LAW IS CLEAR THAT SUCH STATEMENT ARE INSUFFICIENT.

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 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a hard inquiry from XXXX XXXX on my Experian credit report dated XXXX XXXX, XXXX that does not belong to me. I have attempted to resolve this with Experian via phone and CFPB but am told to contact the creditor. I have sent a CERTIFIED LETTER requesting to remove this erroneous record from my report on XXXX XXXX, XXXX. XXXX XXXX has not responded to my request. Please have this record removed from my report immediately.

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 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MA).
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: American Express charged my account for a company called XXXX {$110.00} on XXXX XXXX, 2017. I had cancelled this account 2 years ago, and not used it since. I had disputed charges previously with Amex 2 years back when XXXX continued to charge my cancelled account, and Amex had credited me. When I saw the charge again, a year later, I disputed again, and was given a credit by Amex on XXXX XXXX, 2017. Then Amex sent me a letter saying XXXX said I was still a member ( clearly untrue as I have not used the service is more than 2 years in any way ), and they offered no proof. They also recharged my card the {$110.00}. I tried to get in touch with XXXX again, but they have no phone # to call or email, and since I have no account with them, I could not sign into their site either. Amex also told me the charge went to a former Amex card #, not even my existing one demonstrating that the charge is fraudulent. I have tried three times to get an AMEX manager on the phone to resolve this, but they have put me on hold for many hours, and never put a manger on. The supervisor, most recently XXXX ID # XXXX, kept reading that they refused to credit me, as XXXX claims I am still using the service. I am not. Both XXXX and Amex have conspired to charge me, and may have done so repeatedly over the past two years. I am still researching my credit cards to see if Amex has improperly charged me before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/24/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The account is listed is 9 years old. XXXX XXXX XXXX account number XXXX 
Experian refused to remove this and stated that it was due to be removed XX/XX/XXXX. This was reported XXXX and that would have to stay on my report 10 years instead of the 5 years that the rule requires. This is a flagrant violation of the rules that the other credit reporting agencies have followed. Since I disputed this my score with them has droppedXXXX points and I can only assume that they have reinserted some other accounts that have been removed. My son used to work for Experian and was told to put calls from the FTC on hold for XXXX minutes and then disconnect. According to the rules I can force anyone to disregard Experian and if they do n't I can report them too. Experian wo n't release my updated report unless I give them almost 40 dollars. They just XXXX off a XXXX veteran, XXXX, and a XXXX with an XXXX of XXXX. At this point they are on the verge of reaping a whirlwind. Their legal problems are going to dwarf whatever bribe they are receiving from XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Payday loan () with Premier Recovery Group (MI).
Issue: Can't contact lender

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX Group is calling me saying I have not paid on a payday loan from 2008 saying if I do not pay them I will go to court. I said I want proof sent to my house of this loan default and they said they will not send anything to my house until I give them my credit card information and set up a payment I did that and fell for it and they got XXXX payment of XXXX dollars and then I stopped it. Its been three months since then and noting is sent to my house I now know this is a scam looking up this number on XXXX and the HUNDREDS of complaints about them and this phone number.. I never took out a loan and it never showed up on my credit report ever. So they got XXXX bucks from me and I closed out my debit card. I told them to take me to court then. So they called and said they sent all my information to the county I live in and consider myself served if I dont pay the rest. OVER THE PHONE ON A RECORDING too boot.. So now I know for sure that its a scam. Now they got a hold of my sisters phone number after I have blocked them and probably will be calling my work soon. Please get them to quit calling me they will not give me any information about themselves except the phone number and the name she also said they are located in XXXX New York probably a lie. I know I lost that XXXX dollars that 's not the issue. Just want the calls to stop and a miracle these people go to jail. 

Thanks

Company response to consumer: Closed
Consumer complaint received 06/22/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Taking out the loan or lease

Complaint: A concerning matter has been brought to my attention that an alleged auto loan and or repossession in XXXX that is listed under my social security number from a company or lender by the name of Santander Auto Loan Company. Chrysler Capital provided this information. 
I was given an account number and a phone number to the " president 's office '' of XXXX. 
I called and was on hold for about 1 hour. I spoke to a rep to inquire about this account and was told they was not authorized to speak to me and that they needed to speak with their legal department! 
I have NEVER had a loan or repossession from this company, EVER. I am trying to get information, because I was a victim of ID theft from XX/XX/XXXX to XX/XX/XXXX in California. 
I see that this issue is this or this is an error in their system. How can I get any resolution to this if they will not provide me with any information? This was NEVER on my credit like all previous identity theft items because it could have been resolved years ago. They are not assisting but Santander has an account tied to my social security number, and is effecting my consumer relationship and has cause a hinder to my already damaged credit. I can not get this resolved. 
I need to know what steps I should take on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Student loan (Federal student loan servicing) with ConServe (NE).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: on  XXXX / XXXX /   2017  I called ConServe about getting my delinquent school loans in a repayment plan. I asked questions about garnishments and taking my taxes because the loans were quite behind. I spoke to a  XXXX  and told her I had n't filed my taxes yet this year and I did n't want to have to worry about a garnishment. She said not to worry, I had no garnishment on file yet, and that my taxes would be fine until I got into a repayment plan with them. Then for the next 9 months my tax returns could be taken. I agreed to that and entered a payment arrangement with them on  XXXX / XXXX / 2017 . I filed my taxes prior to  XXXX / XXXX / 2017  and received a letter from the dept of treasury letting me know my taxes were taken and applied towards my school loans. I was misled by  XXXX  of ConServe as she told me this would n't be an issue. I called ConServe to get this resolved and spoke to a manager who said he could n't do a thing, they were already taken and I would have to call the dept of education. This is a violation of the FDCPA, as I feel I was intentionally misled in order to set up a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Mortgage (Conventional home mortgage) with American Financial Resources, Inc. (CA).
Issue: Trouble during payment process

Complaint: Back in XX/XX/XXXX I stopped receiving my monthly mortgage statement. I called in XX/XX/XXXX to have statements emailed to me. Never happened. I have called every month since ( 5 months ) and promised it would happen but nothing changes. I asked two months ago to go back to mailing the statement. Nothing changed. XX/XX/XXXX I called to talked to a supervisor or manager but none were available. I cOmpromised I would get a call either that day or the next business day. No phone call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citi checking bank account. There was a promotional offer advertised on their website with promo code XXXX. I fulfilled my obligations and met the requirements for me to earn the {$400.00} bonus. I waited the required time frame of 90 days and Citi has failed to honor the bonus offer. My request is for Citi Bank to honor the bonus by paying me my {$400.00}

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 12/23/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Receiving unwanted phone calls from XXXX. Last time they try was XXXX/XXXX/2015 at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I disputed  XXXX  collection that i seen on my Equifax credit report that i have no knowledge of. They did a investigation and told me that the collection belong to me with out any proof of me agreeing to owing these collection.  XXXX  of them is CC collection for {$140.00} and the other  XXXX  is also CC collection for {$56.00}. I reported it on  XXXX / XXXX /  XXXX   or on  XXXX / XXXX /  XXXX  . i got a response on  XXXX / XXXX /  XXXX  . I 'm not satisfied with this response due to the fact that the other  XXXX  bureaus had them deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Bank account or service (Checking account) with TCF NATIONAL BANK (AZ).
Issue: Problems caused by my funds being low

Complaint: My bank TCF is charging {$74.00} in fees for XXXX One charge of XXXX was posted and left me with a positive balance of XXXX so I was not negative and was still charged a fee!!! The next charge was XXXX and another fee so I am over {$80.00} in debt now thanks to TCF 's ridiculously backwards fee charging which needs to be looked into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief