milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: Today I called the dispute resolution center for XXXX and Transunion to discuss removal of a tax lien reporting that falls under the National Consumer Assistance Plan. These items fail the identification process where the name, address and SSI and/or DOB need to be documented to be reported ( the SSI numbers are partially redacted and there is no DOB on file ). In speaking to representatives and their supervisors at both agencies, neither was able to admit they had any knowledge of the NCAP or the Consumer Financial Protection Bureau and how they would effect the now erroneous lien reporting on my credit bureau. They also could not refer me to anyone in their respective organizations that would have knowledge of the NCAP or CFPB. They went as far as to refuse any knowledge of the existence of the NCAP and CFPB and also refused to investigate the possibility that they exist and do in fact offer a resolution to my request to have the incorrectly reported items removed. For reference, I called XXXX  and received an completely different response. The agent was aware of the NCAP, reviewed my credit file and agreed to delete the item in question within 24 hours. I have confirmed that the agent at XXXX has in fact followed through on his statement and that lien has been removed. Kudos to XXXX and shame on Transunion and XXXX. I have attached copies of the items in question so a quick review can confirm they do not comply with the NCAP and should be deleted immediately and permanently.

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 06/18/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage Service acquired my mortgage from Citimortgage about 8 months ago. Since that time they have created many different problems for me overall being unable or unwilling or both to process their own documents and to resolve the issues. The issues have included requiring me to refinance my mortgage because the overall portfolio they purchased had too much risk, being unwilling to set up the auto payments through my bank to ensure on time electronic payments despite me filling out the paperwork XXXX ( XXXX with a notary public ), charging me extra fees to make payments just to keep my account up to date due to their own inability to process their documents, offering online bill pay through their website which never actually is able to process a payment, forgetting to close out the previous loan account which they required me to refinance which led to massive confusion about wether I had a loan with them or not, and the list goes on and on. This company has been torturing many americans over the last few months as can be seen based on XXXX personal reviews written all over the web describing similar problems after each person had their mortgage acquired from larger banks.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (AL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found a late payment on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe that I made my payments to you when I received my statements. My only thought is that my monthly payment did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I have submitted almost all of the documents to Seneca, spoken to their representatives and have explained why some documents are not in accessible, to no avail they have denied my request for a modification and have informed me I will need to resubmit everything again. 
I feel this is a stall tactic for reasons I do not understand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Student loan (Non-federal student loan) with ATG Credit, LLC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am XXXX and all my school loans were paid off by the XXXX discharge in XXXX 2015. A few weeks ago I started to receive calls from a bill collection company names ATG LLC asking me to pay my bills. I told the XXXX who is the debt holder for XXXX XXXX that i have confirmation that the debt was paid. XXXX and his company ATG LLC continues to harass me with letter and calls. XXXX and ATG LLC went as far as adding the debt back to my credit. Its not my fault that XXXX XXXX got paid for my student loans and did n't communicate with ATG LLC. I have the proof that all debt was paid and I should n't be harassed with letter and phone calls everyday. Then to see the debt on my credit report which took a big hit over a debt that was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Auto debt) with MCMC Auto LTD (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have requested to be on the DO NOT CALL LIST including all forms of contact with my auto finance company ( MIKE CARLSON MOTOR COMPANY ) as of XXXX 2016. I keep getting multiple collection calls and emails, I talked to the reps and a supervisor about the issue but nothing has changed. I had to change my phone number last weekd due to all the calls. I am seeking to file a lawsuit against MCMC for violations of the FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NV).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I am an attorney. My client was involved in an accident but not responsible. The person who was injured was paid a small amount by an insurance company. The insurance company is trying collect that small amount from my client by falsely representing that it has contacted the " Department of Transportation '' of his state which is examining his compliance with the " Financial Responsibility Act '' and that he could lose his driver 's license unless he pays up.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: I have XXXX children ages XXXX and XXXX. Older child with higher income received a credit card with {$39.00} " maintenance fee '' and only {$300.00} credit limit. Younger child with lower income received a credit card without the fee and the limit is {$600.00}. This does n't make sense since this was their first credit cards, for XXXX of them. This bank may have double standard.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (I do not know) with Credit Bureau Collection Services, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A company who calls themselves CBCS is calling my work phone constantly as well as leaving messages on my work phone. In the message they state that they are a debt collector who is attempting to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2015 about Mortgage (Home equity loan or line of credit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: USAA Federal Savings Bank fails to mail home equity loan bills in a timely manner, leaving customers with insufficient time to make payment. As printed, the bills provide 25 days before they are past due but the company consistently waits 6 days before postmarking the bills so consumers have just 25 days - 6 days delay - 3 days mailing time = 16 days from receipt of bill to have payment processed by USAA. Then the company shortens the time even farther, because unlike the rest of the USAA organization, USAA Federal Savings Bank refuses to join the online bill pay systems that most customers use today, so any customer who pays via mobile or online banking faces an additional 8 day wait for payments to clear ( instead of the 1 day wait customers expect ), leaving consumers with just 8 days to pay their bill ( or 13 days for consumers who physically mail checks ). I have spoken with multiple representatives of the company about this issue without success and am filing this complaint because those representatives have made it clear they have no internal complaints handling process through which customers can pursue resolution to problems like this without going through external channels like the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Shellpoint Servicing has been informed that they are publishing a Time Barred Debt that is no longer enforceable under the Applicable State laws. They are also making claims to be acting on an Investor named XXXX as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trust. That this firm : Shellpoint Servicing was informed several times over to stop publishing a Debt to the Public that is not valid not true. They are attempting to foreclose on a debt that has an expired SOL and a non enforceable and Stale Debt as well as the underlying debt/and Deed to be outside of the timelines of collections. This false claim is being published on XXXX each month and shows to publish a debt claimed as owed of XXXX XXXX. Please cease this publishing of this debt. Under CA : XXXX ; along with the underlying XXXX being expired : and under XXXX this expired at SIX YEARS. See attached Letter of Explanation. Each attempt to explain is answered in stating they somehow are not understanding what is being said. See exhibits that include the answer by Shellpoint. THE NOTE WAS ACCELERATED BY XXXX ( SEE ATTACHED ACCELERATED LETTER ) CALLING DUE THIS NOTE : AS OF XXXX/XXXX/XXXX. Then after SIX YEARS an untimely claim to a debt : then claiming XXXX Due : however this was filed inaccurately and filed after the expiration of the stale debt by recording a Notice of Default on XXXX XXXX '. This NOD was disputed at the time, however new events of abusive servicing occurred, including stepped up ramped up illegal actions. The topic of this complaint is to state this is a time barred debt as of XXXX XXXX ' AND THAT THE LATER XXXX XXXX ' FILING OF A NOTICE OF DEFAULT WAS TOO LATE TO CLAIM ENFORCEMENT RIGHTS OF AN EXPIRED DEBT. Later in a BK filed in XXXX XXXX XXXX ' it was discharged debt in the bankruptcy. However under XXXX and the marketable records act : this together with XXXX this is not enforceable under the claims being made by the parties named : Shellpoint Servicing : XXXX AS trustee for XXXX XXXX XXXX XXXX : & or XXXX having no right to publish this DEBT as being owed. This is causing to tarnish my reputation in my business, and effect my income. This is slander. Please stop all further illegal collection acts. Remove this Sale Date that was caused by this defective claimed Notice of Default and stop making false claims and release this lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Mortgage illegally and unlawfully withdrew {$390.00} from my checking account. I have autopay set up with Ditech and Ditech took advantage of my autopay by removing monies not authorized. My current mortgage payment is {$740.00} and I wished to pay another {$100.00} towards the principal. When I called to report this after much wrangling, Ditech agreed they were wrong. The Ditech Autopay system " had just been upgraded '' which I suppose gave Ditech a license to take my money. I want the CFPB to do a full investigation of Ditech 's payment processes online including a careful review of autopay. I was unable to cancel my autopay even though the system made me believe I had cancelled autopay after I discovered the unlawful withdrawal. Ditech had to remove the autopay in a phone call.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-07-2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to order my free credit report from Equifax both via the website XXXX and also via telephone. Suspiciously both times I was rejected due, according to them, the inability to verify my identity. When I tried to obtain the report using the paid service on their website I had no trouble obtaining the report. This seems suspicious that I could obtain it one way but not the other. I was also charged for my Equifax report for {$1.00} and also for my 3-bureau report for {$39.00}. I only received the 3 bureau report, which means I was charged an extra dollar for a report already included in the upgraded version.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Consumer Loan (Installment loan) with Argon Credit (CA).
Issue: Managing the loan or lease

Complaint: On XX/XX/2017, Argon Credit received a payoff from me. On XX/XX/2017, they decided to take an additional payment AFTER the payoff had been made. I spoke with someone who asked that I send proof that this had occurred. I emailed the proof and called on XX/XX/2017 for resolution and refund. At that time, I was told 2-5 business days. I waited until XX/XX/2017 and called again as I had not been refunded. I was told then to send the information to which I had proof that had already been done and should have received a refund. I was told it would be processed on that date and I should have my funds by the end of the week. I requested an email stating the refund was being processed and was sent it on that very same day. I waited and called, yet again, on XX/XX/XXXX, as it was the end of the week and still no payment. I was refused a supervisor and told said supervisor would call me back. On XX/XX/2017, after no return call, I called back yet again. I was refused a supervisor and told it was being processed on that day and I would see my funds by the next morning. On XX/XX/2017, I called for the final time, was refused contact with a supervisor, then told they were within the 10-15 business days and I would just have to wait. This company is withholding monies they fraudulently took from a customer who paid off what was owed to them. Their representatives are extremely rude and untrained in customer service. They send you around in circles and refuse to be of any assistance.

Company response to consumer: Untimely response
Consumer complaint received 04/26/2017 about Debt collection (I do not know) with Perfection Collection (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In reference to the complain (  XXXX  ) already submitted. The company, Perfection Collection, respond that I agree to pay  XXXX  $ monthly for a total amount of  XXXX   XXXX  That is true if they will respond regarding the debt validation, before start any kind of agreement with this kind of people I want to see everything. I already request by certified mail and by e-mail 3 times directly to  XXXX   XXXX   XXXX  but I have not receive any answer. So for me complain is still open.   Attached is the letter that I sent and at this  letter I appreciate one answer,

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (MI).
Issue: Deposits and withdrawals

Complaint: I own a Roofing company & I 've been working in the XXXX XXXX Michigan area this summer & i have XXXX me into this same Chase Bank location on XXXX XXXX after receiving checks from my clients. Each time I come in, I get XXXX, a banking representative there who each & everytime has been unruly, extremely uncooperative immediately & unwilling to resolve any matters I have requested such as cashing of a check. I 've never been so offended by any banking official & i deal with banks daily for over 30 years. I 've never had a problem cashing a check anywhere like I have with XXXX and been spoken to so extremely rudely as I have been by XXXX at this location.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX we applied for the Keep Your Home California ( KYHC ) Principal Reduction Program ( PRP ) and in XX/XX/XXXX we received {$89000.00} in PRP funds. As part of receiving the funds we signed a note and deed of trust that was recorded in the county records. On XX/XX/XXXX Nationstar Mortgage applied the funds to our account. Shortly thereafter, Nationstar sent us a proposed recast agreement with several errors. We replied with a letter detailing the errors in the proposed recast agreement. Nationstar sent us the identical recast agreement and we again sent a letter detailing the errors in the document. Nationstar then sent us the third copy of the proposed recast that had minor changes to the amount we would owe, but still had the errors detailed in our two previous letters. On XX/XX/XXXX we sent a third letter to Nationstar again laying out the problems with the proposed recast agreement. On XX/XX/XXXX, Nationstar Vice President of Corporate Social Responsibility XXXX called me to discuss the recast agreement. XXXX stated that a signature for a recast agreement was no longer required ; that signing a recast agreement was not a requirement of KYHC and that Nationstar was adhering to the guidance provided by KYHC and the U.S. Department of the Treasury. She promised to email a document with the information. We never received the promised email and information XXXX XXXX promised to send. Our mortgage statements showed the application of the {$89000.00} to our account. 
In XX/XX/XXXX we applied to Nationstar for a Home Affordable Modification Program ( HAMP ) modification to our mortgage loan. On XX/XX/XXXX Nationstar approved the HAMP modification. On XX/XX/XXXX Nationstar returned the {$89000.00} in KYHC funds, removing them from our account. We never received any notice of any kind from Nationstar or anyone else suggesting that there was any problem with the KYHC PRP funds. 
I contacted KYHC and learned that KYHC and the Treasury require that a recast agreement be signed in order to receive funds from the program. Additionally, a borrower can not apply for both KYHC and HAMP simultaneously. Because we had not signed the recast agreement we effectively had XXXX open applications for federal programs and that mandated the return of the KYHC monies.In XX/XX/XXXX KYHC reconveyed the Deed of Trust we signed for the KYHC PRP funds. 
KYHC staff informed us that we could reapply for the KYHC program. By the time we had learned all the details of what had occurred, while we could reapply for KYHC and likely receive PRP funds again, we would not have been able to obtain a HAMP modification due to the termination of the program on XX/XX/XXXX. 
Nationstar and XXXX appear intent on forcing us into foreclosure. Nationstar has refused to work with us to resolve this, even though we have commenced litigation over their mortgage servicing violations and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Other debt) with Eagle Accounts Group, Inc. (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Child Support has ALREADY reported the derogatory and inaccurate information to the credit bureaus. Child Support Enforcement is refusing to honor an administrative hearing court order, regarding child support. I had a child support administrative hearing a few months ago that ruled in my favor. I requested an administrative hearing to dispute the child support amount. It was a case where the mom ( custodial parent ) didnt inform Child Support Enforcement that during an 8-month period, that the child was living with the dad ( non-custodial parent ), full-time and she chose not to see the child for the first 5 months of that time. I requested the hearing because even though physical custody had changed, she continued to receive child support, because she didnt notify them of the change when it happened. Child support has ignored the ruling, and despite my many attempts, they are continuing to refuse to honor the specific order details, pertaining to the monthly child support amount ( Child support amount changed for a certain period because physical custody had changed for a period of time ).
I have faxed in requests for them to correct/adjust their records and to issue ME ( non-custodial parent ) the required $ 2,000+ overpayment, as awarded. Instead, they sent the mom ( custodial parent ) the $ $ credit ( overpayment ), that was due to me.
I have been calling and trying for months to get Child Support Enforcement to correct/update their records and make the proper adjustments, but they refuse. I personally went into a local office, more than once, and was given a payment history to show all the payments that had been received by Child Support Enforcement. I was also given a history of the required child support obligations. Their child support order history amount is incorrect because it doesnt represent the corrections of the child support amounts that were listed ( adjusted ) in the administrative hearing court order. Dates Complained : XX/XX/XXXX-Fax XX/XX/XXXX-Fax XX/XX/XXXX-Fax. XX/XX/XXXX-Office Visit XX/XX/XXXX- Office Visit

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Credit reporting () with ERC (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I returned the device to XXXX store within 14 days. The device was unopened and never used.

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