milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage with XXXX and when they collapsed it was passed on to other lenders without my knowledge and XXXX XXXX XXXX wound up with it and it took several years before i found out where it was going to and a loan servicing company called Specialized Loan Servicing started sending me notices and then it was sold to XXXX XXXX and XXXX XXXX and I had to hire several different law firms for a Modification which XXXX is now the bankrupt law firm XXXX XXXX out of XXXX New York. They had told me that indeed I was the victim of Robo signing and for years I filled out monthly paperwork for SLS whom I found out was working for XXXX and XXXX and they forced me into bankruptcy and my home and my truck were the only debts I had and I am still in the house and there is a serious problem as the house sits on XXXX pieces of property XXXX of which XXXX county and I have a stake in together ... It gets even more twisted as I am still trying to save my house and I am still in it, I need to talk to someone asap .Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried to order my free credit report from XXXX. I tried about a month ago and was unable to complete the online application because when I get to the captcha screen, it tells me that I incorrectly entered the information three times, then tells me that I ca n't try again.The words were very clear and I know that I entered them correctly. This program does not work correctly. I read online that many people have this problem. It violates people 's right to get a free annual credit report if the only website available to get it does not work. I was eventually able to find a phone number on the FTC 's website, but I think that the company that runs XXXX needs to either fix their website, or provide a number themselves, since it is quite difficult to find that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (SD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was paying a collections company Definite for a bill from XXXX XXXX XXXX phone company and only had a one payment of {$110.00} left when they sold my collection to SW Credit Systems LP and they put on my credit report on XX/XX/XXXX for {$560.00} that was before I was to make my last payment after XX/XX/XXXX with the other company. That is XXXX they didn't let me finish paying them so it was paid off so they could charge me more interest and put it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MD).
Issue: Trouble during payment process

Complaint: Reduction in my yearly income of {$XXXX} Unable to pay mortgage since XX/XX/XXXX House on for Sale XX/XX/XXXX Have been negotiating with Carrington Mortgage Services ( CMS ) and XXXX XXXX XXXX for approval for a short sale. 1st proposal submitted to CMS in XX/XX/XXXX was denied - because sale price was low - ( 1st Buyer left contract ) Denied again in XX/XX/XXXX due to my Credit Score of XXXX - CMS stated that my credit score needs to be below XXXX - ( 2nd Buyer left contract ) Denied in XX/XX/XXXX - Credit score XXXX - CMS stated that my credit score is still too high - ( 3rd buyer still on the contract )

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have a second signer on my account. They have never used their debit card. Chase received an unauthorized request for a replacement debit card to be sent to an address not on file. They honored this request and when the card was received the people committing fraud were able to access my account and withdrawal {$400.00}. This was immediately seen by me and reported to chase as fraud. They opened a claim and then closed it because it was a chip and pin transaction. We brought the issue to their attention again and spent hours walking them through the details ( namely that they issued a debit card overnighted to an address not on file without confirming this request with either card holder. ) they returned my funds during their first review and then reversed that. Then returned my funds again and reversed it again for the same reason. They created this issue by sending a debit card out without my authorization ( and without confirming it with the other signer either ). And now they are reviewing it for a third time. They have failed to protect me, they have failed to return my funds and they have taken hours of my time discussing an issue they created.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Di Tech has done several things to make it difficult to be a good customer. One, when making a payment by phone, they will not immediately apply the payment amount, especially if you call on the due date, they will take as long as seven days to apply the amount so that they can collect late fees. Another, we wanted to get back on a bi monthly payment schedule that Di Tech discontinued when they acquired our account from Green Tree, in order to do that, you need to pay one month in advance. We did that and they misapplied our payment to the escrow account, and they refuse to correct this issue. One thing led to another and now they are reporting us as delinquent on our mortgage payment. When we talk to a representative, they deny there are any issues, the mail and the credit report says otherwise. We are working on getting Di Tech out of our lives but I would like to see them straighten out this mess and remove the derogatory information in our credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We took out our house loan XX/XX/XXXX. The loan was with Homecomings Financial - Loan # XXXX and Account # XXXX for around {$160000.00}. Sometime later it changed to GMAC Mortgage. Again sometime later OCWEN took over. Account # with them is XXXX. I would say XXXX % of the payments I also paid extra principal. I started out just paying extra towards the principal and then I got a copy of the Amortization schedule and paid the principal applied for the the upcoming month. We had it figured and was told by our mortgage officer that if we got a 30 year loan and paid the extra that our house would pay off in 12 years instead of 30 years. We are right at the 12 years and OCWEN is saying that we still owe {$83000.00} and our loan will not pay off until XXXX XXXX, XXXX. I have sent OCWEN numerous letters informing them of this and all they send me is a printout of what we have paid. I know what we have paid. I am the one that paid it. I CAN NOT understand their people on the phone because they do not speak very good English. I have plenty of documents from Ocwen and to Ocwen. I sent my last letter certified mail to the attention of the Manager of the Servicing Department at Ocwen with copies of payments I have made which included additional principal paid throughout the years. They sent a letter explaining where they post the payments too. They have sent me this letter many times. I am going to try and attach my certified letter, their certified letter and printout of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Issue # 1 : In XXXX, I physically walked into the Suntrust Bank branch located at XXXX XXXX XXXX XXXX, XXXX, NC. I deposited {$1900.00}, prior to the cut off time, with a bank teller. On the following day, I checked my account and the funds were not available. I had to physically go back to the location, only to be told that the teller made a mistake and my funds were accidentally looked over. I spoke with a manager and was given a temporary memo credit until the issue was resolved. The teller who conducted the transaction admitted that the mishap was her fault. Issue # 2 : On XX/XX/2017, I deposited {$800.00} ( 40 XXXX dollar bills ) into the ATM at the Suntrust Bank location on XXXX XXXX XXXX, XXXX, NC. The ATM gave back 10 of those XXXX dollar bill and read an error message that suggested that I contact my financial institution. A receipt was not given. Currently, there is a temporary credit of {$600.00} showing in my account and I am being told that the case will be resolved in 10 business days. Several customer service representatives with Suntrust Bank have relayed to me that there is a {$75.00} fee for changing payroll dates after it has been processed, even if it is a paper check. I would like documentation showing that this is the bank 's policy. As a XXXX XXXX XXXX, I am concerned about how this corporation operates when it comes to deposits and payroll transactions. As a customer, it is inconvenient for me to have to worry with whether or not my money is being handled in a manner that is ethical. Thank you.

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 10-05-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I paid off my card and emailed customer service. They told me to pay the final balance which I did but they kept charging me fees which caused my credit score to be lowered by XXXX points. 
XXXX XXXX, 2016 XXXX ET so is my account closed or is there still a balance owed? 
Customer Service XXXX XXXX, 2016 XXXX XXXX ET Thank you for taking the time to respond to our most recent reply. It 's my pleasure to assist you with your request. 
Our records indicate that your account was closed on XXXX/XXXX/2016 and you have a remaining balance of {$6.00}. Your payment due date is on XXXX/XXXX/2016. You can make a payment through online or by calling our Customer Service at the phone number listed below. 
If you have further questions or comments, please contact Macy 's Credit Customer Service online at http : //www.macys.com by selecting Macy 's Credit Card , or by telephone Monday through Saturday XXXX and Sunday XXXX at XXXX. 
Sincerely, XXXX XXXX. 
Macy 's Credit Customer Service www.macys.com Now you can pay your bill on-line at http : //www.macys.com/mymacyscard

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 04-11-2017 about Debt collection (Medical) with I.C. System, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: A XX/XX/XXXX debt from XXXX was discharged in bankruptcy XX/XX/XXXX. However, in XX/XX/XXXX and XX/XX/XXXX two accounts that were discharged with the original creditor XXXX, was sold to I C SYSTEM COLLECTION AGENCY. I C SYSTEM are reporting wrong dates on my credit reports for these debts as well as continuing to collect on these debts that I do not owe.

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 06/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2015 I contacted via phone Experian regarding a current address in XXXX, XXXX they are reporting as mine on my credit report. Experian would not let me dispute this via mail or online. I have never been to XXXX, let alone lived there. The customer service person told me that despite the fact that the address when googled is that of a law firm, they can not delete this false information. The Experian rep told me I would " have to contact XXXX XXXX to request removal of this address because they are the ones reporting this information. '' This is not my job to contact XXXX XXXX with such requests. It is Experian 's job to verify this information. I have lived at the same address in XXXX, XXXX for over 10 years and vehemently deny that I have ever lived in XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Vehicle loan or lease (Lease) with BB&T CORPORATION (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: I leased a  XXXX   XXXX   XXXX  fro m hann financial of N ew Jersey the lease was for 39 months, I decided to give the car back with 8 months left on the lease because my wife and I wanted to get the new  XXXX   XXXX   XXXX  in doing so we made the last 8 payments and gave the car back with only  XXXX  miles on it the car was in very good condition with the exception of a few scratches on the bumper and I believe I small Nickel sized dent in one of the doors, so we went to  XXXX   XXXX   XXXX  in new jersey and leased the new  XXXX  and asked if they would  Handel  the turning in of the  XXXX , and they agreed like I say I satistified the lease left the car with  XXXX   XXXX , we use d hann financial agai n for the new lease on the  XXXX   XXXX  we made another lease with hann for another 39 months for  XXXX  per month, would you not say at this point in time we are loyal and a good customer with hann, well about  one  month after turning in the  XXXX  we get a bill in the mail saying we owe  hann   XXXX  in damages also they say the never got the two sets of keys to the car, I left the keys with the salesman that got the car from I trusted they were in good hands what was I supposed to do babysit the car and the keys until it was picked up, so after getting this letter I called hann and asked them how is this possible that a loyal customer like myself can be charged for such petty noncence and that I had no idea where the keys were I left them with the dealership, they did not want to here about it, they wanted  XXXX  that was the bottom line, I told them your not getting a penny from me and hung up on them, how do I get sued from a company for leasing two cars spending in total almost  XXXX  in  five  years, who does this, they got a judgment against me and froze my checking account for  XXXX  leaving me with no money to pay my bills, I had to pay them  XXXX . To get out of this mess, please I hope you can understand my frustration and talk to these people and find out why they would do such a thing a loyal customer that until this day is still doing business with them in the tune of  XXXX  per month for  39  more months they sue me, come on I find this totally absurd, where is the proof they even fixed or made repairs to this car I have none how do we know they did not resell that car with out even putting a dime into it, even so again who does this, please help 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 12-06-2016 about Debt collection (Payday loan) with United Recovery Solutions (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They continue to call my work and leaving messages, they are calling family members and harassing they claim I put my work number and reference I do not have done any and the representative was very rude and was yelling at me over the phone and told she will continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My mortgage was transferred to XXXX XXXX XXXX XXXX on XX/XX/2017. Because I was in the process of a bankruptcy when my mortgage was transferred to XXXX XXXX XXXX XXXX, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with XXXX XXXX XXXX XXXX XX/XX/2017 that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my XXXX XXXX XXXX representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.

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 11/27/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Problems caused by my funds being low

Complaint: On the morning of XXXX XXXX, i viewed my account aswell as took a screen shot, and it showed that my mortgage had posted. This left me with a positive balance of {$57.00}. I have provided this screen shot as an attachment and it can be seen that at this time items were pending, but had not yet posted. Two days later, the bank alterted the bank activity shown, and placed those same pending items ahead of my mortgage payment causing the account to go negative. The bank uses this tactic to obtain a fee because my mortgage payment is a preautherized debit. I am oppted out of " overdraft protection '', so the only way my account can incure a fee is through checks and preauthorized debits. The bank has made it common practice to alter the order in which items are processed in attempts to gain an account fee. I called the customer service line for citizens bank, and spoke with XXXX. XXXX would not except my screen shot of the true bank activity, and transfered me to a " specialist ''. XXXX, the specialist, also refused to except my proof. Her explaination is that the pending purchases were, " live swipes '', and go through immediately before any other transactions. I find this untrue because they were in a " pending '' status on XXXX. On other occasions i have been told that pending items are dependant on the merchant, and how quickly they notify the bank of the purchase. I have also been told by XXXX that larger amounts, such as my {$940.00} mortgage payment, go through first. She then retracted her statement during the call because i had informed her that the pending items were small purchases. My conversation with these individuals was recorded by citizens bank. XXXX put me on a long hold to speak with her manager, and when she returned she stated that my case was forwarded to the chairmen. She then stated i would hear a reply in 3-5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX/XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX ) on XX/XX/2017 ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. 

I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. 

Please see the notes attached on each document. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TRANSUNION REFUSESE TO REMOVE STUDENT LOANS, NAVIENT # XXXX. XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX. FROM THE ADVERSE ACCOUNTS SECTION AND PLACING THEM IN SATISFACTORY ACCOUNTS AS REQUESTED IN MY DISPUTE. THESE ACCOUNTS ARE OVER SEVEN YEARS OLD. TRANSUNION INDICATES ON THE REPORT THAT ADVERSE INFORMATION TYPICALLY STAYS ON THE REPORT FOR SEVEN YEARS. TRANSUNION HAS ALSO REFUSED TO REMOVE A XXXX XXXX ACCOUNT # XXXX AND A XXXX ACCOUNT # XXXX. THEY WERE INCLUDED IN A CHAPTER XXXX BANKRUPTCEY DISCHARGGE. OTHER ACCOUNTS THAT WERE INCLUDED IN THE CHAPTER XXXX WERE REMOVED.

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 09/27/2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended XXXX XXXX XXXX from XXXX. I am now {$47000.00} in debt with both federal and private loans. I was told that my private loan company PEAKS was owned my XXXX XXXX and they have been sued this past year. I do not understand why I have to keep paying {$200.00} a month to this company if they are owned by the school that was shut down for fraud. XXXX XXXX also lost it 's accreditation recently. So XXXX XXXX was shut down for fraud and they are no longer accredited, but they expect me to keep paying both my federal and private loans for a degree that no longer even means anything. That {$200.00} a month is just the amount in private loans. I owe over {$8000.00} to PEAKS private loans and over {$33000.00} to XXXX Federal loans.

Company response to consumer: Closed with explanation