milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: I had a mortgage with XXXX XXXX which ended up with a modification through XXXX XXXX XXXX, which intern sold the mortgage to Ditech. In XX/XX/XXXX I had to file bankruptcy ( Chapter XXXX ) due to a law suit. The bankruptcy was discharged in XX/XX/XXXX, The mortgage was not a part of the bankruptcy and my payments to Diteck were made on time consistently. In XX/XX/XXXX I contacted Diteck as I noticed my payments and history were not being reported to the credit bureaus. I told them that the bankruptcy was discharged and was told they have 60 to 90 days to stop the " code '' hold on reporting. Now I am applying for a reverse mortgage, I can not reach Diteck directly, there is a " code '' on my loan number that automatically transfers me to a third party which will not release ANY information to me, no accounting of my loan, no loan statement nor a mortgage payoff amount, and they still tell me they have 60 to 90 days to change this. There is NO obvious reason why I can not obtain a written accounting of my loan payments and a statement. The only reason I can envision is they DO N'T WANT ME TO HAVE THIS INFORMATION so the can keep my 40 year loan at the high rate of interest. This is impacting my credit score and preventing me from getting a mortgage as I need a loan statement with the loan number and the institution to apply.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: It has come to my attention that the company servicing my mortgage loan, Ocwen, has made a serious error and cancelled/liquidated my outstanding debt, incorrectly citing the loan status as delinquent. I have had this mortgage for over 10 years, and have made each and every monthly payment. When I called their customer care line, I was informed that the loan had been " charged off ''. When I inquired as to why, I was told they would have to " research it ''. I received a reply a few days later indicating it was charged off due to the " delinquent status of the loan ''. This reply, sent to me by XXXXXXXXXXXX, indicates to me that they never did any research, as the loan was not even close to being delinquent. The matter originally came to my attention on XXXX XXXX, 2016, when I logged on to make the only payment that was due, which was the monthly payment due XXXX XXXX, 2016. Furthermore, if there were additional terms buried in my contract that required I do more than just make the monthly payment on time each month to ensure my loan was not considered delinquent, Ocwen never contacted me to inform me of them. Prior to Ocwen charging off this loan, they made no attempt to even contact me to let me know they considered the loan to be delinquent. I made each monthly payment in accordance with the terms of my loan, and verified both the amount and due date on Ocwen 's website each time I made a payment. But again, for reasons unknown to me Ocwen suddenly considered it delinquent and cancelled/liquidated the outstanding debt without ever contacting me. Upon receiving the reply from Ocwen 's research department, I then contacted customer care to ensure they would not falsely report to the credit bureau 's that my loan was charged off " due to delinquent status '', and reaffirmed that the loan was not delinquent. I was told that they will report " whatever their records indicate ''. When I informed them that reporting false information is a violation of the FCRA, I was told there was nothing they could do. I should also note that the last payment they applied was on XXXX XXXX, 2016. This was the monthly payment that was due on XXXX XXXX, 2016. So as of XXXX XXXX 2016, my loan was fully up to date. The loan was subsequently declared delinquent and charged off before XXXX XXXX, 2016 ... less than 2 months later. I have attempted to follow up with XXXX ( email address referenced above ), but she has not responded. I fear that if this error is not corrected ASAP, they will report false information to the credit bureau 's that will severely impact my credit score in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received a single bill or notice of collection from Franklin Collection Services. I learned of it when I got a negative credit report notification. When I saw the collection on my credit report (the first I had heard of this bill, and in the middle of buying a house), i called them to inquire re: what company I owed money to. They told me it was XXXX. I then said thanks, I will contact them directly to sort out the situation, to which the woman on the phone said, "they won't talk to you about this bill. The only way to get this to go away is to pay us." To which I said, "well, I can't have this show up on my credit report because I'm in the middle of buying a house." She continued to reiterate that I had no choice but to pay them if I wanted to be able to close escrow on my house and that the company I owed money to wouldn't talk to me. This collection company had XXXX phone numbers listed on my account and according to the representative, they had been calling the primary number for the past month. I don't know where they got that phone number, because it is my parents' phone number, and I never give that number as a point of contact because calls there will not reach me. There is absolutely no record of this company trying to call the primary phone number she claims. They left XXXX voicemails. She admitted that they never even tried calling the XXXX number they had on file, which is my correct personal phone number. I hung up with Franklin Collection and called XXXX anyway. The whole situation is made even more ridiculous because I have a current account with XXXX, associated with my same name, telephone number, and Social Security number as the past account. In addition, I have been physically in the XXXX store, talking to an associate about my current account, multiple times during the past XXXX. I have also gotten multiple emails from XXXX regarding my current account. It is hard for me to believe that they could not contact me about this bill in any fashion other than sending a piece of paper to a very old address and then sending me on to a collection company. XXXX apologized about the situation and for not contacting me about the bill. I paid the amount owed (all of this for only $XXXX!) and they promised to contact the collection company to have them remove this from my credit report. The collection account was not in fact removed, and still shows up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian has on my credit report XXXX XXXX XXXX as a debt to debt collector in which I don't owe and is in error

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 12/28/2017 about Checking or savings account (Checking account) with Synovus Bank (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX XXXX XXXX has deliberately moved charges on my account on two different occasions so they could charge me overdrawn fees. They moved the bigger charges first so they could put the smaller ones on last to charge my account six overdrawn fees.Some of these charges had already cleared my account two days earlier. How can a person survive with such conniving going on behind your back. This bank has been sued before for this exact process and lost the case. Which did get us a handsome refund due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with ACS Education Services (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a student loan through ACS, and 15 years after graduating - I owe MORE on my student loan than I borrowed. This is due to outrageous percentage rates that will keep me paying until I 'm in the grave. This is loan sharking and needs to be dealt with. I 'm not even treading water with them, I 'm drowning.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: I began this investigation because I received a letter from Bank of America stating that my payments would be going up to approximately {$840.00} per month beginning XXXX XXXX. My loan amount was only {$19000.00} which was reflected in my closing documents. I have been paying almost {$300.00} a month on this loan for over 8 years and there is no way I should still owe this much. I contacted Bank of America and was given information on where the missing {$75000.00} went. I was told that {$75000.00} was disbursed to XXXX separate people : MY Financial and XXXX XXXX. I was told that an advancement was taken on my line of credit, deposited into my account ending in XXXX, then XXXX cashier checks were processed and distributed using my debit card and pin. 

The issue is that I did not authorize these transactions. My closing documents, which I signed, state that only XXXX checks were to be disbursed. XXXX was for {$10000.00} and XXXX for {$8500.00} both payable to XXXX XXXX for student loans. No other money was to be taken out of my line of credit and paid to anyone. My payoff amount is {$25000.00}. The closing documents state that I only authorize Lender to automatically deduct from my account, ending in XXXX, the amount of any loan payment which was to begin XXXX XXXX, XXXX. BoA states that money was transferred into account ending in XXXX then taken out. The other issue is that I was never issued a debit card or pin. There are a few pieces of information I still need : 1 ) Who was the agent at the bank who handled my closing on XXXX XXXX, XXXX? 
2 ) What date was the debit card and pin issued? Was it mailed or issued at the bank and by who? When was the pin # established? 
3 ) Who authorized the counter debit and issued the cashier 's checks without me being present? 
4 ) Please verify that the business name is M Y and not M and some other letter. I am coming up with other initials in my search. 
5 ) Location/Address of the branch involved 6 ) What assistance is BoA going to offer me in order to track down the recipients and get my funds back? 

I have been paying on my loan for 8 years on time. I ca n't be expected to pay for money I never received or authorized to be paid to others. If I was going to pay someone any money, I would have included it in my closing documents. I need all of the help and resources that BoA can provide to me as a valued customer. This issue will not be resolved until BoA can determine who at that bank instigated this fraud against me. Until my funds are returned and the parties involved identified, this case will not be considered resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Credit card) with URS Holding, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This collection agencies calls me throughout the day at my home and on my cell phone. I know that I owe XXXX XXXX and I am making every afford to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Chase credit card online changed their website. It used to be that I could schedule a payment date. This time, it took my payment immediately effective today for over {$3000.00}. I called immediately, answered security questions. She was unable to cancel the payment. The place online where I was directed didn't work. I was transferred to another department, answered her many security questions and was again told she couldn't cancel the payment and that there was no recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with TOWNE MORTGAGE, LLC (VA).
Issue: Credit decision / Underwriting

Complaint: Mortgage Company ( recommended by our builder ) has now made XXXX hard inquiries on my wife 's and my credit report. We were under the impression that by signing the paper for them to pull credit, this would be done XXXX. The mortgage company is now trying to dictate the closing date to us even though the house is nowhere near completion. They are once again requesting excessive paperwork for the loan ( that has been provided now XXXX in the past ). I would only assume that since completion of the project is still almost 3 months out, they will again pull a hard inquiry on both of our credit reports ( lowering the score and we are both in the mid to upper XXXX ) causing the interest rate on the final mortgage to be higher for the next 30 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting harrassing calls, multiple times a day, XXXX times a day. I even get voicemails, and they still call anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a document from Transworld Systems Inc,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , WA  XXXX  stating I owe for a parking ticket I received in  XXXX ,  2017 for a "  wheels not turned to the curb '' issue. The Ticket number is  XXXX  and was to be paid to  XXXX   Municipal Court.  This ticket was paid on  XXXX   XXXX ,  2017,  in full with an e-mail response from  XXXX   Municipal Court  thanking me for my payment and asking me to keep proof of payment for my records, which thankfully I did. I should not have to prove I paid something in order to avoid their attempt to coerce payment. They should have to prove I did n't pay it..

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (SC).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: American Express has froze all of my MR points across all of my cards. I was not given notice or a reason why my points are being held for review. Their reps would only tell me they will be held for 6-8 weeks ; reps would n't tell me when the beginning of this 6-8 week " review '' period began so there 's no way to extrapolate when it will end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (TN).
Issue: Can't stop charges to bank account

Complaint: I took out a loan and it was due on a Friday. They called me on Wednesday and told them I would be there on Friday between XXXX-XXXX. They called me at XXXX XXXX. on Friday morning. I told them the same thing. They called again at XXXX XXXX. to 'make sure I was still coming in. '' When I took out another loan, I fell behind in the payments. The phone calls then increased. I got over 15 calls a day from them. I was in a meeting one morning and when I could n't answer the phone, they called 8 times back to back. I then began getting calls from them and they would hang up as soon as I answered. I filed a complaint with the TN Dept of Financial Institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are two accounts one is XXXX and the other is XXXX XXXX. Several years ago I was a additional signer on the account with my mother XXXX XXXX. I was taken off of both accounts and it still is shows on my credit report. 
XXXX XXXX XXXX Revolving XXXX/XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2016 about Payday loan () with GVA Holdings, LLC (CT).
Issue: Received a loan I didn't apply for

Complaint: They called me to verify that I applied for a loan by calling them. I did not but they had all my information. I asked for information to find out what was going on and they told me to file a police report, They had my social security number but would not give me any details.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been on IBR for a year due to my income. It was time recertification and I did not get the email in time. They debuted XXXX out of my account instead of the XXXX. I then had to call the bank to stop the payment but they couldnt and I had to file a claim. They did this twice in XXXX and again now in XXXX. 
XXXX XXXX stated theta they put a hold on my recertification application but still put in for the money to be taken out. I was unaware of the hold until I called hem today. They said they couldnt stop it from being taken out because it has to be done within 3 days of the withdrawal. This has been an inconvenience and no one is trying to rectifying the problem. I want to pay my loan back but at the rate hat I was paying it last year.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: A couple of weeks ago, I received an alert from XXXX and XXXX that my report was attempted to be pulled by SynchronoyBank/TJMAXX.  I immediately contacted the creditor and was informed that an application for credit had been requested under my name for an XXXX store card as well as TJMAXX store card. I was instructed that no further action would be taken since i verified that i did not authorize this.  I was never notified by this company to verify my identity although I have IDChecks on my credit agency reports. To my surprise just a week later, a TJMAXX card shows up in the mail in my name from Synchrony Bank at my home address.  I knew this was odd because I DO NOT have mail coming to my home address. Immediately afterwards I noticed that this account has now appeared on my credit reports against my knowledge.I spoke to an agent with TJMAXX/Synchronoy Bank to cancel this account as this is the result of fraud. She advised me that there were no charges on the account and she would submit a request to close it. However, she could not verify that this would be removed from my credit.

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 01/25/2017 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX/XXXX/2016 I sent a payment of {$85.00} using CapitalOne 's Peer2Peer payment system to XXXXXXXXXXXX. This system uses XXXX, a third party. The intended recipient reported that they never received the funds nor any notification. Upon opening a case with my bank they reported that the funds were deposited into a XXXX XXXX XXXX account however they have refused to provide me with the name of the person nor with the account number for me to know who received the money. My bank has also failed to refund me my money basically telling me that it is lost and unrecoverable in any way. Now myself and my intended recipient are out the original {$85.00} and I have to send another {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Company failed to send verification documentation bearing my signature a requested to prove that I actually owed or ever owned this account and just sent letters stating that they verified the information. The information was also once showing it was removed from my credit reports only to be later paced on there again at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AE).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I co-signed a student loan thru NAVIENT for my nephew and when he failed to pay, Navient contacted me in XXXX XXXX. I pay XXXX payments and my nephew took over the payments. In XXXX XXXX I received a " Charged off as bad debt '' loan default on my credit report. The company never contacted me and I assumed my nephew was making payments. How can Navient default the loan, without contacting me, the co-signer?

Company response to consumer: Closed with explanation