milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: was laid off back in early 2016 I contact my mortgage lender Ditech LLC to talk to them about my current situation. I work in the XXXX as a XXXX and was on a temporary furlow. I read in Ditech 's paperwork that they work with clients in situations where they need temporary assistance. When I contacted them I was told there were no such options for me. I was put in contact with at least 14 different representatives to no avail. All I wanted to do was rectify the situation and get back on track. They pushed me further behind in payments because they kept switching me to different departments/people. I think this is a tactic to put you into foreclosure. I hired a lawyer to help me with the situation and I was then given a loan modification. I did not sign the paperwork because of the terms and when I tried contacting the person on the paperwork they never called me back - at least 12 messages. I did not want to sign something that was given to me that in the letter is clearly stated if any questions before signing contact so and so. 

After paying for help they continually pushed me further behind asking for proof that I was back to work I showed 12 months of paystubs and they came back with a determination that the hardship was not satisfied. The hardship was absolutely temporary and resolved. I just want to pay my mortgage we are a family of XXXX and I work in a XXXX XXXX in NJ. Upstanding citizen and I find it very unfair that Ditech states unfactual documents about my situation!! 

Please any help is needed to resolve this matter. 

XXXX 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 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY ().
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I was charged interest by AmEx on my purchases even though my balance was paid in full. They claim it was a technical error and happened to other customers as well. They say the charges will be reversed, however I have an automatic withdrawal from another account to pay this bill, which means they received payment for the bogus charge. How many other customers did they do that to? How much money do they make by keeping this money for a month before returning it? It was only  XXXX  cents for me, but if they do that to a million customers, that 's a nice monthly profit of {$30000.00}.   The charge was on  XXXX   XXXX ,   XXXX  , and I will apparently receive a reversal on  XXXX   XXXX ,   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XX/XX/XXXX, I reported the unethical manner in which a law firm/collection agency obtained a judgment for their client. The reference number for this case is XXXX, ( still under investigation as of today 's date ) within this complaint I detailed how this process will greatly harm me and my family. Well just like I proposed in my complaint -- the three reporting credit agency included this information on my credit reports as of XX/XX/XXXX, my credit score has decrease 35 points. I am requesting again that this agency intervened in this process, upon reviewing my previous submitted complaint you will find that I reference my concerns as it pertains to my credit report and how this information will affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Mortgage (FHA mortgage) with WATERSTONE MORTGAGE CORPORATION (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XX/XX/XXXX I spoke to XXXX XXXX from Waterstone Mortgages about getting a loan to refinance my properties. 

Waterstone Mortgage - XXXX XXXX | Senior Mortgage Advisor | NMLS # XXXX | WaterstoneMortgage.com XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX MOBILE XXXX FAX I had a decent credit score and he told me it looks I could get a XXXX loan. 
He pulled my credit. 
I explained to him everything, sent him my tax returns and balance sheets as I'm a XXXX XXXX XXXX. He said the way to go was XXXX. 
He told me to wait till XX/XX/XXXX that I get my XX/XX/XXXX tax return and that then he could get me 10 XXXX loans to refi my properties that had hard money loans on them. 
I believed him and waited. 
On XX/XX/XXXX he had me appraise my house and it cost me {$500.00} for an approved XXXX appraiser. 
On XX/XX/XXXX he tells me " go at XXXX XXXX at the IRS and have the tax return stamped and I can get your mortgage approved righyt away ... '' so I went as asked at XXXX XXXX to deposit my tax return and get the stamped copy ... 
One of my lenders to whom I explained XXXX XXXX 's promises believed me/him and comited to lend the money I was going to get back ... 
On the XX/XX/XXXX things were stalling and my investor started to get worried as his other client comitted and XXXX XXXX was showing signs of incompetence ... 
All at once he told me middle of XX/XX/XXXX " you can't have a XX/XX/XXXX because you have more than 10 loans. You need a conventional loan. My underwriter is away for a week then she'll decide ''. 
After a week he said, wait next week we will know for sure. 
Then he didn't answer my calls or return them. My lender had to rush get a heloc on his house so his other client wouldn't loose his down payment. 
I got upset yesterday and called his boss. She never returned my calls neither. I finally got her today and she said I didn't want to do business with them ...! 
I pulled my credit. For nothing I paid for an appraisal. For nothing I got my lender upset. For nothing He can't say I hid anything because he had my tax returns balance sheets, etc ... He's either incompetent or jealous I'm well off and was just playing games and making me waste my time. His boss sided with him without analyzing that I was taken for a ride by this ignorant guy. He should have known that XXXX was not for me and direct me in another direction immediately and not make me waste 7 months of high interests, {$500.00} useless appraisal, pulling my credit, etc ... and then acting like I'm a lunatic who changed his mind. 
This is not a way to treat a consumer. No? 
Thank you for taking the time of reading me XXXX 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 monetary relief
Consumer complaint received 04-12-2015 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Making/receiving payments, sending money

Complaint: I 'm a customer of PNC Bank in XXXX NJ XXXX XXXX XXXX NJ XXXXWhen I came to the bank on XXXX I found that my joint account with my wife had been arbitrarily closed and the bank could not explain whyI have not instructed any one to close the account nor has my wifeWe found that the XXXX account was ok but our names are missing from the XXXX and XXXX statementsThey have registered a complaint number ending with the digits XXXX believe that this account has been closed in a fraudulent manner and my funds potentially stolen and need your help to fix the issueI 'm an XXXX citizenMy email is XXXXXXXXXXXX and may be contacted by phone at XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I applied for a loan and discovered that my credit scores at all three credit reporting agencies had dropped significantly. Upon further research I discovered that XXXX had listed a XXXX account had the status of charge off/collections. This was incorrect. I had closed my XXXX account and had paid the balance at that time. I received no notices from XXXX that there was a balance due or that the account was not in good standing. 

I called XXXX and they refused to speak with me about it. I filed complaints through each of the credit bureaus. At that point, a XXXX customer service rep did speak with me. She told me she had no information as to why it was listed as collections/charge-off and that the bill had been paid. She had a letter sent to me showing the account ( XXXX ) was paid in full. 

However, my credit score is still low with all three bureaus as XXXX has kept that status as collection/charge-off. I have attached a copy of the information I have from Transunion for the XXXX account, showing that I had previously disputed the information. The " Payment Status '' is listed as " Collection/Charge-off '' and the " Remarks '' section shows " payment after charge-off/collection ''. That is false. The account was paid in full when it was closed. 

The cost of the loan over the 30 year period was increased between {$30000.00} - {$60000.00} due to the inaccurate credit reporting, so I have been harmed. XXXX needs to deleted the trade lines with all three credit bureaus, or I will be forced to file suit to force them to delete the trade lines and recover the monetary damage they have caused 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 11/25/2016 about Other financial service (Refund anticipation check) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Fraud or scam

Complaint: on XX/XX/2016, the sprinkler system in my house failed and cause damage. All state did the evaluation and send a XXXX party check of XXXX named the Bank ( PennyMac Loan Services , LLC ) and homeowner ( me ) has the payee. The agent for the bank instructed me to endorse the check and send them. They will deposit the check and release the funds as the work progress in installment. I did as per their instructions. Made several Phone calls nothing happened. Today is XX/XX/XXXX. 
Now they are telling since we are in bankruptcy/ litigation. We are not going to release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Private student loan debt) with AES/PHEAA (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've personally written numerous letters to this company and all XXXX credit bureaus to have this account removed from my credit. I do n't owe the debt and it should n't be on my credit report, it is negatively affecting my XXXX XXXX and my quality of life

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I had made XXXX trial payments with XXXX and my loan was sold to LoanCare XXXX. I have contacted LoanCare and they wo n't speak to me. My housing counselor has submitted an authorization and re-submitted all my updated document, including proof that I 'm the owner of record and proof of my XXXX XXXX payment in hopes of quickly finishing the modification and simple assumption process. The documents were faxed to the fax numbers provided by LoanCare for authorizations and loss mitigation departments on XXXX/XXXX/16. The housing counselor follow up on XXXX/XXXX/16 and LoanCare still did n't have the authorization and would not speak to the housing counselor. The housing counselor follow up again on XXXX & XXXX and still no authorization. The customer service agent gave an email address to email the authorization and documents. The doc 's were email on XXXX/XXXX/16. An auto reply stated that the documents would be uploaded and available for review within XXXX48 hours. The counselor follow up again on XXXX, XXXX, XXXX, & XXXX. LoanCare states the documents have not yet been uploaded to the system, they ca n't speak to us. On XXXX LoanCare stated that my authorization would be available for review on XXXX/XXXX/16. A full 30 days after it was faxed. They have yet to acknowledge my paperwork, modification request, simple assumption request, death certificate, quick claim deed ect. and continue to refuse to speak to me or the housing counselor. My counselor states that most companies acknowledge the authorization within XXXX48 hours and that this has not been her experience even on newly transferred loans. I feel 30 days is unexceptionable because they will ask for all new documents because 30 days has passed. I also feel like they are negotiating in bad faith.

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 07-12-2015 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Problems when you are unable to pay

Complaint: Approx XX/XX/XXXX my husband took out a revolving line of credit with XXXX. Due to the XXXX plant closing in Oklahoma XXXX we were bot laid off. We were both contract employees i could never find a comparible job. My husband was forced to work out of state with the same company. as a result we defaulted on many loans/credit cards XXXX being one of them. We never received of collection call or anything till we were served papers in XX/XX/XXXX a default judgement from Asset Acceptance. 

for 3 1/2 years no collection call letters nothing was ever received from these people until my husband was notified by his company of a post judgement earnings from attorneys for asset acceptance on XX/XX/XXXX. Now his wadges are being garnished. He has called the attorneys office for asset accep. to date not one phone call has ever been returned. 

PLEASE NOTE : MY HUSBANDS WORKS FOR A COMPANY THAT DOES NOT HAVE ANY OFFICE WITHIN THE STATE OF XXXX! *****HE WORKS AND LIVES IN THE STATE OF XXXX*** THE ATTORNEYS FOR ASSET ACCEPTANCE " DO NOT HAVE A LICENSE TO PRACTICE IN THE STATE OF TEXAS ''!!!!! HOW IS THIS EVEN POSSIBLE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Payday loan () with LDF Holdings, LLC (OR).
Issue: Can't stop charges to bank account

Complaint: My payday loan company 's name is Lendgreen. Not sure where they are located. I took out a pay day loan that I still have yet to pay back as I am completely broke and am now looking for a 2nd job. They call me 3 times a day so I would like to file a complaint for harassment. The screenshot attached is an example of 2 days worth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Debt collection (Other debt) with GC Services Limited Partnership (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Dear Sir/Madam We received your collections letter dated XX/XX/XXXX. 

We had got the service from XXXX back in XX/XX/XXXXfrom XXXX XXXX we were assured that the service in XXXX would be superb and if not satisfied we could return everything back online iwithin 14 days for a full refund. 

Upon arriving in XXXX, XXXX the service was extremely poor. 

We called customer service on the 13th day and were asked to return all the equipment the nearest XXXX store which we did and asked the person there to cancel everything one of the phones we didnt have the box a XXXX phone so we decided to pay for the phone. 

He accepted everything and asked him also to cancel the service and we had also asked the customer service rep at XXXX to Cancel the account. 

We paid what we used and called it quits. 

Couple weeks later we receive a bill and I went to a XXXX store spoke to a rep who asked me to call th toll free number to inquire and were told the account was cancelled but there was an outstanding again I paid like XXXX $ on XX/XX/XXXX and was told no other outstanding. 

By this time I had already spent 10 manly hours calling the toll free number and visiting XXXX stores back and forth. 

Suorisingly a month later I get another bill so I make a call to XXXX where I was told I would get a call back in 24 hours after waiting for 1 hour talking to several CSRs but no one called me back. 

Once again we called about 4 times and visited the XXXX store 3 times and every customer care rep said that in the system it clearly says that we had said to stop thyou account then why was one number still not cancelled my question is how do I know what th CSR puts in the system and that one line was never used but we were getting billed fo when w had requested to cancel the account. Every time I was told that my bill would be adjusted and there would be no more payment that would be needed to pay but I kept on getting a bill after when that account was cancelled. 

I have seen this practice by XXXX and a lot of people have complained regarding this in the past. 

I am forwarding this email to my lawyer also for malpractice and the FCC. 

Kindly go their system where you will see how many we called after that now the bill from XXXX to XXXXand finally XXXX. 

Thanking you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 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: The credit bureau is refusing to delete three collection accounts on my report that are not mine. They are all reporting under the same collection company called " XXXX XXXX XXXX '' for different amounts. The first account is for {$1100.00} with account number # XXXX and an open date of XX/XX/XXXX. The second account is for {$1400.00} with account number # XXXX and an open date of XX/XX/XXXX. The third account is for {$2500.00} with account number # XXXX and an open date of XX/XX/XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this company is holding me personally responsible for a balance that was connected to a corporation as I was one of the XXXX for. under the fair credit act this should not be connected with my personal credit as it was the responsibility and used by several other employees at the company. have reached out to them to remove from credit and have received no response or removal off of credit report.

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 04/26/2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (AZ).
Issue: Problem with the payoff process at the end of the loan

Complaint: I went into  Title Max  ; dealt with  General Manager ,  XXXX , who said he could not do a purchase of a car unless the title was switched immediately. I do n't know if that broke company policy. With the closing it was all done electronically. I did not get a chance to read the disclosure or get a copy of it before leaving ; so I had no rescission period at all.    Two w eeks later when I printed and read the documents the interest rate was over the top.   When payments were due  XXXX  kept calling me at my employment ; I told him I could lose my job if he continued. I was forced to change my number. I was also forced to payoff the loan with the enormous interest rate and the chance of losing my job. I had a friend borrow the money. I paid off the loan on   XXXX   XXXX   XXXX    . Its now   XXXX   XXXX   XXXX   and I still never received the free and clear title that was to be expedited on   XXXX   XXXX   XXXX    .  Title Max bl amed it on  XXXX  and it was  Title Max 's fau lt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (MA).
Issue: Trouble during payment process

Complaint: CitiMortgage did provide me with a written response but it had nothing to do with the majority of my re quests sent to them via Certified Mail. See attachment.     CitiMortgage only states that it is n't their policy to return the original note. Well, tough  XXXX . I am the SOLE OWNER and creator of that security and I want it back. I also want ALL of my requests answered.     I will proceed with recording a perfected security interest in CitiMortgage for the face value of my monetary instrument, plus costs, and plus damages.

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 02/17/2017 about Credit card () with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Billing disputes

Complaint: To Whom It May Concern : I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. The following account does not belong to me and should be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: When the Public Service Loan Forgiveness program was rolled out, I was working at the XXXXXXXX XXXX XXXX XXXX XXXX XXXX. In approximately XXXX of 2007 I contacted XXXX XXXX to determine what I needed to do to take advantage of this program. I was told there was to continue to make my regular payments and then I could apply for loan forgiveness after ten years in public service. Thereafter a large part of my consideration for remaining in public service rather than leaving for a private law firm was that approximately {$60000.00} of my student loans would be forgiven after ten years. I contacted Navient last year and I am now told that I am not eligible for the PSLF because Navient is servicing my loans. I 'm told I must now consolidate my loans with another company at a much higher interest rate and start my 10 years of service over to be eligible. I have dedicated my life career to public service and I am now being told my time in public service thus far does not count because I was provided false information and my loans got transferred without my consent. If the PSLF is in place to assist and/or reward those of us who have dedicated our careers to public service, we should not be penalized despite our service because of the negligence of these loan servicing companies.

Company response to consumer: Closed with explanation