milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016 I paid a mortgage in full that was serviced by DiTech Financial LLC. I subsequently received a letter from them acknowledging the payoff and advising me that Georgia statute 44-14-3 requires a lender to file a satisfaction of debt document with the county in which the mortgage was recorded within 60 days of payment. Violation of this statute gives the borrower the right to demand payment of {$500.00} in writing from the lender. 
On XX/XX/2016, I received a satisfaction of debt document that was recorded in the WRONG county, thus the property records of the county where the property is located and the original mortgage instrument was filed was not completed as required by Georgia statutes within the 60 day period. By Georgia statute, the debt was still showing as being outstanding more than 60 days from date of payoff. 
I wrote the demand for payment letter as required by Georgia statutes on XX/XX/2016 and explained the error made by DiTech to them with the response that they believe they have complied with the law when they clearly have not.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX  is not reporting the correct payment amounts that are being made monthly. I 'm currently making over {$600.00} a month payments and only receiving {$35.00} a month and credit on all  XXXX  credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit bureaus a nd   XXXX   XXXX   XXXX   wo uld not do anything to correct 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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: To whom it may concern, I have been dealing with Navient since XX/XX/XXXX-XX/XX/XXXX. Since payments started after I was finished school, I have been in a constant battle with options of repayment. My father is my co-signer and has helped me as much as he could. With his income always fluctuating, repayments have been hard for us. Since XXXX years ago I have managed to find a financially stable job, but with {$36000.00} in student loan with Navient and XXXX it totals around $ XXXX monthly. XXXX has thankfully helped my father and I by letting us sent up an income based payment plan, but Navient has basically told us we have no option. In the last year my father and myself have made countless amounts of phone calls to Navient asking for help or trying to correct payment issues that the previous Navient representative did n't handle correctly. I called in XXXX day to Navient to beg if there is a way they can look into an option for my payments even if they helped me with {$20.00} a month. I was advised that due to my father being my co-signer we can make the full payments, I cant take him off as co-signer to go off of only my income, I have no other options unless I do not make at least XXXX months of to prove I can not afford full payment, or I can look into suspending payments for a month or XXXX and just add the interest into my payments. With no help for my payments I was finally able to have Navient set me up with breaking my full payment up into XXXX separate monthly payments, but also finding when I looked into my account I was being charged late fees. I tried to address with a representative about these late fees since I had set up a auto debit payment plan and they told me someone would have to check into my account to see if it could be taken off. On top of all the miscommunication of what my father would be advised of when calling in and what I would be told, this process has caused major strain in our lives. I am XXXX years old and I am not looking for my fathers help with any of my bills. That is not fair to him or my mother to be responsible for my student loans until I am in my XXXX 's. I noticed there is a potential lawsuit for Navient and I read what problems are causing this lawsuit to come about and my family and I are going through the same situation. If I did n't have the help of my fiancee there is no way I could ever move out of my parents house. I am in the process of trying to become a XXXX time home buyer, but taking into consideration of that I can afford with my student loan payments every month I am not much help to my fiancee. I dont feel that I should be stuck in this position and feel that it is unfair to my family and myself to find " help '' by not making payments to prove Navient 's payments are too much for me. I will not drain my credit down to seek help. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I paid for this debt in full for the amount of {$1300.00} to a XXXX XXXX law firm who is allegedly associated with Ad Astra Recovery Svs In. I asked for a receipt for the amount I paid and was told they do n't give receipts. I call the company several times before I even paid the debt and no one would assist me in resolving the matter. I want a receipt for my money paid mailed to me asap and this item removed from my credit report. I do n't even live in XXXX I live in XXXX and I was n't even suppose to receive a loan if I was n't a resident of the state XXXX. I do not have a XXXX Id or DL, I was temporarily working a XXXX job there over a year ago. I have paid this debt and I want my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this charge in a XXXX store when closing my line. They claim they never got the payment and now added this debt to my credit report

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 05/31/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Several years ago, I was diagnosed XXXX 2 days later, and my husband XXXX ... all within 4 months ( plus my mom XXXX 6 months earlie ). After a history of perfect credit, we got behind on everything, including our mortgage. We were able to get a HARP and a low interest payment on a XXXX loan that we had to take out to help cover missed wages and help cover some of the high XXXX bills. After my XXXX to the last payment on our trial period on HARP, Ocwen bought out our failing mortgage company. Ocwen continued our low interest XXXX mortgage but did not continue the HARP on the XXXX XXXX because " it was only in the trial period, but you can reapply for a HARP on your XXXX mortgage. '' We got behind XXXX payments while they mulled around on XXXX of our attempts for a HARP that we never got. I called HOPE ( a free program that negotiates between client and mortgage company ). HOPE, Ocwen, my husband and I came up with a plan were we would pay extra each month to catch up. Well, after about two and a half to three years later, with just me working, we are finally just behind {$600.00}, period. Now mind you, we are talking about combined mortgages of {$2100.00}. Now, they are breaking several consumer rights laws! I am getting XXXX phone calls a day, late nights, Sunday 's ( before XXXX and after XXXX XXXX ), at work on the company 's phone, and calls because we are XXXX days late on a payment ( I get paid on the XXXX but it is automatically drafted )! We are getting certified mail, brought up to the house by our mail lady, that tells us that we are In danger of foreclosure and options of modifications that we found out later we still ca n't get because we are " in good standing ''. Remember, we are less than XXXX of a payment behind!! I DID answer every call for those XXXX couple of days, explaining over and over, the deal that was made and documented, with HOPE. Still getting calls. We feel that we are getting punished because we are doing the XXXX thing. We did everything but bankruptcy. With just my income and my husbands retirement and XXXX, we pulled our bootstraps up, caught everything up, and are almost caught back up on our mortgage. Now we are being treated like this. We are besides ourselves!!! 
p.s. This is a flexible mortgage, too. : (

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: LVNV Funding fraudently added a tradeline to my credit report in the amount of XXXX. I have tried to dispute this issue multiple time with the credit bureau because this company has failed to uphold the FCRA Act by not sending me no information, never was given a chance to verify that this was my debt. I did receive information from the original creditor but not from them and if the original creditor sold my debt to this company and I have received nothing in the physical mail from them and do n't even know a account number with this company how are they allowed to effect my credit score in this manner

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Kohl 's department store reported me to the credit bureau on XXXX or XX/XX/XXXX for non payment. I just realized this today when attempting to refinance my residential property. 

I recall this whole situation as it developed starting on XX/XX/XXXX. 
* Balance of {$600.00} was due XX/XX/XXXX with minimum {$25.00} * Made payment on XX/XX/XXXX ( Sat. ) on Kohl 's website ( online ). Paid balance in full {$600.00} * Kohl 's received payment processed/cleared on XX/XX/XXXX * My payment cleared my bank on XX/XX/XXXX * Received monthly Kohl 's monthly statement XXXX &XX/XX/XXXX * I never looked at statements for XXXX & XX/XX/XXXX. Believing there was a {$0.00} balance. 
*XX/XX/XXXX received statement/bill highlighted in a different color. Opened this time. 
* Statement indicated a finance charge of {$1.00} for XXXX plus a late charge of {$27.00}. Same for XXXX {$1.00} for finance charge and late charge of {$27.00}. 
**Talked with Kohl 's customer service Rep. on XX/XX/XXXX. I outlined everything mentioned in this letter.Kohl 's Rep. said this should not have happen. 
XXXXKohl 's Rep action ; a ) Late charge for XXXX refunded ( {$1.00} ) XX/XX/XXXX b ) Late charge for XXXX refunded ( {$1.00} ) XX/XX/XXXX c ) Merchandise finance charge refunded for XXXX ( {$27.00} ) XX/XX/XXXX d ) Merchandise finance charge refunded for XXXX ( {$27.00} ) XX/XX/XXXX Lastly, this same situation happened 10+ years ago with Kohl 's . It  stayed on my credit even when Rep. said it would not. Its finally cleared years later.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information seems to have been potentialy impacted by the recent equifax data breach. I heard of the breach, entered my information, and recived a message saying as much. My spouse was the same. In finding this out, i was required to literally fill out more paperwork on a mobile phone, in order to enroll in a service that by enrolling in it prevents me from seeking legal action from any harm that may or may not happen. If it does, my finances are down the drain. It feels like we are being bent over a barrel for something that is NOT OUR FAULT!!!! I will not be extortioned by a company that has our information, AND CLEARLY HAS NOT HAD ENOUGH SECURITY IN THEIR SYSTEMS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Student loan (Non-federal student loan) with KEYCORP (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Key Bank is holding me liable for a fraudulent account in which they have the XXXX fraudulent account documented three times on my credit reports. XXXX XXXX is extremely unprofessional and nasty, please forward to another party in the corporate office. It is unpleasant to be victimized continuously by her. I contacted legal representation and after they viewed documents and the signatures, they informed to file one last complaint with CFPB and attach the signatures. I attached the signature that Key Bank provided you on their application and I attached my signature from one of my home mortgages. You can clearly see that signatures are clearly different. Again before proceeding legally, I am asking Key Bank to remove the fraudulent account in which they are holding me falsely liable. Also, I have attached where Key Bank is fraudulently reporting the same XXXX account three times on my credit reports, which is fraudulent credit reporting. I have addressed this with them, XXXX XXXX and others nothing has been done as you can see, I attached a copy of my XXXX credit report in which I have continuously submitted to Key Bank and they have yet to remove from credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Debt collection (I do not know) with Allied Interstate LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX 2015, I received a notice from a company named XXXX XXXX , XXXX stating that I owed a debt to XXXX. I called this company and also XXXX and reported that I do not owe this debt as I had never sold anything on XXXX. I also reported this to the local police as a case of potential stolen identity. In XXXX I received an email from XXXX claiming they were reviewing this claim. 
On XXXX XXXX, 2015 I received a letter from another company named Allied Interstate LLC claiming I still owed XXXX a debt. Apparently XXXX allowed someone to link to my account without proper verification and now wants me to pay for their incompetence. 
I have already spent a great deal of my time attempting to resolve this issue. With my personal time and cost of consulting my attorney, this has cost me over XXXX times the amount that is claimed that I owe ( {$89.00} ). 
This has become quite an ordeal as well as generating a great deal of stress on me and my family. I am physically ill and I am concerned that this will adversely affect my excellent credit score ( + XXXX ) that I have spent a lifetime maintaining. 
I have attempted to describe this situation as briefly as possible. I have spoken with the debt collector, XXXX and XXXX. I have also spent time making police reports, consulting with an attorney and responding to emails from XXXX. I believe that they are purposefully attempting to " beat me into the ground '' in their attempt to collect a debt that is not mine. I have also spent time researching this and discovered that anyone can link to your XXXX account without appropriate identification. I am shocked that a company such as this operates in this manner. They also do not cooperate with police agencies as they have thrown many bureaucratic hurdles in front of the investigating officer. 
Thank you for reviewing this complaint. I believe it is a microcosm of a much larger and systematic pattern of illegal practices by XXXX. Most people probably pay rather than deal with this abuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2016 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Eqxuifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 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 matter as soon as possible. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Card number ending in  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Texas  XXXX  Las t 4  of SS #  XXXX  I am reporting a matter that I am having with Regions Bank. I was scammed by a company claiming to provide work from home services but the program is not legitimate. I informed the bank and they are refusing to honor a legitimate claim.     (  1 )    XXXX   XXXX    XXXX  {$7.00 } ( 2 )    XXXX   XXXX    XXXX  {$19.00 } I need t hese funds returned at once. Please assist me in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Constantly my amount is going up, i let them know that my kids and are displaced in a transitional housing for the homeless, i get email, calls i thought i paid dwn my interest but its still high i feel im being rip off. They keep changing the agreement and intrest its enormous, they are causing such pain and lost that i dont know what to do with this.help please.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: We have contacted Wells Fargo ( XXXX lien holder ) in an effort to postpone foreclosure XXXX XXXX XXXX, 2016 XXXX on our home. We have been waiting for a payoff notification from Wells Fargo after repeated attempts to obtain it from them so that our XXXX lien holder ( SLS ) can approve their part of the short sale process. We have not been acknowledged through Wells Fargo for our requests and the requests of our Short Sale Title Agent XXXX XXXX. We have an open contract for the short sale and are currently being held up by Wells Fargo because they would rather foreclose on our house rather than sell it to an approved buyer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hi my name is XXXX XXXX I have a loan with NationStar # XXXX property XXXX XXXX XXXX XXXX XXXX, CA XXXX I have been trying to avoid foreclosure by requesting a loan modification form my lender, i believe i am a victim of predatory lending and my lender is engaging in violations of the Home Owners Bill Of Rights such as dual tracking. they have refused to work with us to obtain an affordable mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint is against RCS Residential Credit Solutions , Inc, My loan was transferred to them few years ago, it has been a big headache until today. I loss my XXXX in XX/XX/XXXX I ask them to please help me to get a loan modification but they did n't help me, all my financial problems leading me to file a Bankruptcy Chapter XXXX, trying to re organize my debts making XXXX payment along with my mortgage payment. I have submitted a loan modification package on XX/XX/XXXX, I have called every week to the bank asking for my loan status and they just tell me is denied but I have nothing received in writing everything is verbal. Since my BK Chapter XXXX payment is {$1600.00}, my expenses are {$710.00} and my house payment is {$2900.00}. I am desperately looking for help, they can not answer my request for loan modification but they were really faster removing my house from the BK with a motion. They can not give me a trial payment but they send me an appraisal opinion to determine how much my house can be sold. I have lived here for over 24 years. I am not sure if they are going to provide me any solution this time, but I 'm pretty sure that I am not the only XXXX reporting the abuse of this institution to the borrowers. I have submitted my package again ( enclosed please find a copy ) waiting for a help, understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IL).
Issue: Taking out the loan or lease

Complaint: Hello my name is XXXX XXXX I recently filed a complaint against Ally Financial ( please refer to complaint number XXXX.Their response to my complaint was updating the credit agency as paid in full to my account with them.They also advised me to contact the credit agency to assure account has been updated.I did contact the credit agency only to find out that Ally Financial did nothing they promised in the response to my complaint you all sent to them.XXXX did a reinvestigation on the matter and sent me a response saying when they contacted Ally Financial for an update and they advised them that the account is not paid as well as delinquent..The response to complaint number XXXX was decieving and they did not do what they promised.also they are reporting the account as {$2900.00} pass due when I was never late on any payment with them.Furthermore I should not have to contact the credit agency anymore to close the account as paid if Ally Financial furnished them with the correct info

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