milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (NJ).
Issue: Taking out the loan or lease

Complaint: Dear CFPB, I received a letter from BMW via MY BMW online account stating that they would reconsider my application for refinancing of my vehicle which I financed through them, as a brand new purchase in 2011. 
Today, the refinance agent told me that the decision was made and I could get a co-applicant but it basically would not help me keep my vehicle ; I would need to trade it or sell it on my own. 
When I mentioned I received an email reply to how I could get my BMW refinanced through BMW since I am already financed through them, the agent said he had never heard of the person I received the reply from and that the reply did not matter because they were not going to refinance my vehicle even though I have been financed through them for the past 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifiax XXXX XXXX XXXX are all reporting a balance of 1581 of a XXXX loan that I do n't own that balance the XXXX XXXX XXXX XXXX was suppsoed to pay this amount but have n't payed this is incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: Ditech is refusing to review my modification packet. I summited twice and the first copy never maded they kept advising me to please wait a couple of day more until more documents get uploaded. Therefore I was forced to re-apply once again for a modification review. This is very upsetting because my house sales on XXXX/XXXX/2016. I have tried to work directly with Ditech however I feel they are just prolonging my case so my home can foreclose. I am in desperate need of assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Customer service / Customer relations

Complaint: I signed up for a care credit account XX/XX/XXXX. My first payment was due in XXXX. I created an online account as well as paid for the application on my phone. I can never log in to make my payment, I 'm always locked out. I have tried multiple times by myself and with a customer service rep on the line to reset my security questions-which I do. When I go to log back in, it always asks for a security question that I DID NOT PICK. It does this every time even after I have reset the questions. Care Credit customer service line can not figure it out. I am stuck paying the {$8.00} service fee for paying over the phone even their it is their website that has the issue. I am not happy. I have attempted to get this resolved MULTIPLE times and nobody has a clue on what to do. It is now nearing XX/XX/XXXX. I asked the customer service rep to let me know when they have resolved this issue, and they told me that they do n't call back their customers to let them know when a problem has been resolved. I have no way of discontinuing this card because my XXXX payments are monthly.

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 10-09-2017 about Debt collection (Auto debt) with Glasser and Glasser, PLC (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My name is XXXX XXXX I am in my XXXX. Just received subpoena on an auto loan that appears to be mine. I think I signed a loan for my son for two cars but this only has my name on it. Im confused. Ive not been contacted that payment wasnt made and looks like its been several years ago. I have congested XXXX XXXX and XXXX and my wife is battling XXXX and XXXX for noncurable XXXX, somehow we been signed out government XXXX and only have a replacement XXXX plan. We have no money left. Why didnt someone tell me before now. Why didnt they contact me but wait several years? Can u help me? My address is XXXX XXXX XXXX XXXX XXXX va XXXX and my stepdaughter helps us. I have hard time hearing. Ask for her or XXXX. The warrant is from XXXX XXXX XXXX. If they can send warrant in the mail why cant they call me or talk to me. We have no money thank u

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/15 I made a settlement agreement in the amount of {$3300.00} with XXXX XXXX XXXX XXXX. I agreed to pay this debt once the settlement agreement was received in writing. I did not receive the settlement agreement until XXXX/XXXX/15 and on that same day i mailed a personal bank check in the amount of {$3300.00}. via certified XXXX mail. Later on in the afternoon of XXXX/XXXX/15, I went to the ATM to withdraw money and it was then i learned that XXXX and XXXX XXXX had placed a levy on my bank account and despite our settlement agreement 3 days prior. I also learned that after my account was levied they illegally withdraw {$1300.00} from my bank account knowing the settlement check in the amount of {$3300.00} was on route to them. Since this time, I have also received notice from my employer that XXXX and XXXX XXXX served them with garnishment papers. Prior to the settlement agreement, my debt with selip and stylianou LLP was {$4900.00}. If you add the {$1300.00} that they withdraw from my bank account + {$3300.00}. settlement check, the total that I paid out was {$4900.00} which is {$1300.00} more than the agreed upon settlement that I have in writing. I am requesting a refund of {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America 's representative and short sale negotiator, XXXX XXXX, and her supervisor, XXXX XXXX, continue to create unnecessary delays and roadblocks to stall the process of the short sale offer review we have file XXXX behalf of the borrower, XXXX XXXX XXXX for the property located at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. XXXX XXXX has suffered loss of job and income due to the ongoing financial crisis in our area and Bank of America seems determined to punish her for her hardship. The excess of pettiness in the demands from XXXX XXXX and her supervisor is beyond any other interactions I have had with Bank of America representatives in the XXXX years have been working with Bank of America in the distressed housing market. I can not believe how ridiculous and nit-picky they are with this file, exceeding all previous transactions I have worked on. I believe there is a personal vendetta or bias on the part of the Bank of America representatives toward the borrower and/or towards me as the legal representative of the borrower. I have requested that Bank of America replace this person but they refuse to. In the latest episode the bank 's representative has put the short sale process on hold while they have demanded an impossible to complete task regarding a change on one of the listing agreement addenda. They are demanding that the change and correction of the listed sale price be initialed by Seller and Buyer. In Oregon, as I am sure the Bank of America XXXX know, it is not permissible for the listing agent, me, to share any of the listing agreement documents with the Buyer or the Buyer 's agent. That is a violation of the fiduciary duty of confidentiality that I have with my client. So, I am put inn the position of being required to complete a task I am not legally allowed to complete. This is just wrong, and petty and unnecessary as well. This is just one example of the lengths that Bank of America and it 's representatives are going to in order to, apparently, stall the process of the short sale until they can force this loan and property into an unnecessary foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I am SIMPLY trying to make a XXXX XXXX payment. I 've called XXXX. You go through all this mess that no person has time to listen to but since I owe XXXX XXXX, I put up with this ridiculous voice prompts. And why? Because XXXX XXXX website REFUSES to recognize my online password and they still have not sent me a password reset. ( Even though I CLEARLY KNOW MY PASSWORD, I 'm staring right at it ) But alas, not even their customer services is open!! Today is XXXX XXXX, XXXX. Is today a holiday? Is it Sunday? No, it 's a business day but yet XXXX XXXX  customer service is not available to accomplish making a simple payment. Why is that?? So customers can be LATE and then we owe a late fee too? What happens to the XXXX person that can not go to a XXXX XXXX store and make a payment?? I am curious as to how many customers XXXX is doing this XXXX to?? XXXX I WILL CLOSE MY ACCOUNT as soon as I contact you. Please address CFPB.

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 07-08-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint involves PNC Mortgage XXXX. I called XXXX who owes my loan and they directed me to XXXX to communicate with PNC concerning a loan modification on my mortgage since I got the run around last year trying to get a modification. XXXX has changed my person of contact twice but still trying to get this loan modification approved with a XXXX Modification. XXXX told me last week that I was approved for a loan modification and PNC would be contacting me stating that I was approved. To date, I have not heard back from PNC about being approved. I did finally reach someone at PNC on Monday-XX/XX/XXXX, and they said they would call back on Wednesday to discuss this but now there phones are disconnecting me when I enter my last XXXX digits of social security number. Once again, PNC is trying to wait me out so this can expire. They will then start all over and ask again for all my personal bank statements with the excuse that my time has expired since I did n't send in all requested documents which I have done numerous times. I was approved for my loan modification back in XXXX XXXX after numerous lost documents on their end with their ( PNC XXXX in-house modification which by the way was misrepresented to me at the time of application and were further obscured and modified prior to signing. I was promised a lower interest rate and they only extended my mortgage loan to 40 years. No lower interest rate was given even though they told me via telephone they would lower it. My financial situation has changed and again, I 'm going through the same drag out with PNC only this time, they are attempting to foreclose on me with their attorneys, XXXX Law Offices XXXX even though their mitigation department has sent me loss mitigation letters stating they ca n't foreclose while reviewing my application for modification. It seems that neither their attorney nor their Loss Mitigation department are communicating and I could lose my home due to their lack of communication with each other. We are very proactive in keeping our home. This is our primary home by all means. We are the parents of XXXX XXXX XXXX XXXX children. XXXX We have lived in our home for 18 years. I contacted XXXX since they own my mortgage and they referred me to XXXX. I have attached their information and PNC attorney info. We are currently in Bankruptcy Chapter XXXX and it takes 5 years before our bankruptcy is discharged. We 're three and one half ( 3 1/2 XXXX years into our bankruptcy and it wo n't be discharged until XXXX XXXX, XXXX. PNC denied us a HAMP modification stating our bankruptcy was not yet discharged. We looked into this and discovered that we ca n't be denied a HAMP due to our bankruptcy not being discharged. Any help you could provide us would be greatly appreciated. 
Thank you. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Good morning, on XXXX XXXX after attempting for countless months to get a loan modification with XXXX XXXX XXXX I receive a foreclosure notice from XXXX XXXX XXXX giving me less than 20 days to appeal. I file for Chapter XXXX and the rear payment was included, since then I was making the regular Mortgage payment to ( XXXX ) and the past due balance was being made by the Trustee. On XXXX of XXXX ( XXXX ) sold my contract to Carrington mortgage. Upon receipt of the notice I contacted Carrington to start making the payment to them, I was told that I would have to continue sending my payment to XXXX since they have not loaded all the accounts yet into their system. My first payment to Carrington Mortgage was XXXX XXXX and the months after up to XXXX XXXX. On XXXX XXXX XXXX I receive a notice address just to me stated my escrow was in the negative due to insurance and taxes increase, I pay the negative balance in full. I have attempted every day after up to the XXXX and was told that I 'm behind by 5 months that the minimum they can accept is 3 months. I ask them where did they applied the previous payment dated from XXXX XXXX and was told that someone would get back with me. I have waited until the next month when I have tried to pay yet again XXXX and XXXX was told the same story. My Bankruptcy lawyer have also contacted them to provide a payment history since XXXX have yet to get a reply to their notice. As of XXXX of XXXX I have all payments dated back from XXXX of this year waiting to be issue to Carrington. Every day I have XXXX my property to look for any foreclosing notice on my house. Recently we had a storm that had damage my roof and now the roof is leaking right in the middle of my bed when I contacted my home owner insurance was told that I could not file a claim due to my delinquency on my account. My home owner, property insurance is pay with my mortgage via escrow. I have made my last payment to the Trustee last month I 'm afraid that now I 'm no longer cover under Chapter XXXX they might take this opportunity to foreclose on me since the housing market is going up and I 'm no longer upside-down. 
Please help me save my house my Husband XXXX Veteran with XXXX his having more XXXX than usual because he 's afraid that we might be homeless any day. We are not qualify to purchase or renting other property since we just recently got out of bankruptcy. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX report me to owe {$850.00} for Medical services on XX/XX/2016. 
I paid them by check the remainded balance for copayment. 
Now they send me into Collection Agency ( Central Financial Contro ). 
I demand an investigation in this matter because the omongus amount that they try to collect from me when I fullfiil my copayment out of my medical insuren ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Debt collection (Medical debt) with Frost-Arnett Company (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paired the my balance in full to the company that I owed the money to. XXXX XXXX XXXX of XXXX XXXX address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX their phone number is ( XXXX ) XXXX Paided them in full a long time ago for XXXX dollars. The collection agency was supposed to not even send out a notice. They said they would tell the agency that it was paid in full & delete. As of XXXX XXXX this agency has added this XXXX to XXXX as unpaided. It was n't even on that one and  now it is added and as unpaid. They were supposed to delete not add anything as the balance was paid a long time ago and they went even supposed to even send out notice muchless submit as a collection. 
Updated collection XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN N/A UNPAID $ USD XXXX I used to have these guys number but do n't know where I put it, does n't matter anyways as every time I would contact them about this issue the number was n't working anyways. very shady. 

my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX email XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: They set-up my account incorrectly because their branch staff member is incompetent ( XXXX in XXXX VA ). I asked to be opted out of their overdraft program and he opted me in instead ( probably on purpose as I imagine the branch gets a kick-back for all overdraft fees ). When I received the XXXX overdraft charge I went in and he supposedly corrected HIS error and reversed my charge. I assumed all was well then 3 weeks or so later I received {$500.00} in overdraft charges ... No one in their " corporate customer support '' office would help at all, said I had to go into the branch which I did. They acknowledged that the error was theirs but the branch manager claimed she had to get approval from someone over her. Two weeks go by and every time I call the branch to talk to her she is " busy '' and will call me back. Of course she never does. Once I get the " customer service '' people to call me they call her and she claims she never heard of me and never had the discussion.

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 01/14/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Disputed some information, I received a letter from the creditor saying they did not have enough information to investigate ( should have been provided by Experian ). I re disputed and ask why they were not providing information to creditor. I received a letter from creditor that I had notified Experian of fraudulent activity ( I never did ) now my credit card is on hold till I prove to them who I am!

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Many inquiries on my credit report that were not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2017 I sent a dispute letter to XXXX requesting validation of this debt - including an item bearing my signature. All I received in response on XX/XX/2017 was XXXX Credit Card statement. I again requested validation on XX/XX/2017, and again received no further information to validate the debt. On XX/XX/2017 XXXX claimed my request was similar to the first and unless I provided more information no additional response would be given. I sent another detailed letter on XX/XX/2017 asking several specific questions to validate my debt, and on XX/XX/2017 XXXX again responded with a letter that they did not receive the information required and would be terminating the dispute investigation.

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 08-12-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My property is scheduled for Foreclosure Sale on XXXX/XXXX/15 by Green Tree Servicing , LLC ( GT ). Due to a security leak, my Personally Identifiable Information ( PII ) was compromised by Federal authorities. As a result, I have a freeze on my credit with the XXXX major Credit Bureaus ( XXXX, XXXX, and XXXX. ) To process my Loan Modification request, GT had to access my credit report and requested that I lift the XXXX security freeze. In response, I requested a temporary lift of the freeze for GT for a specific period of time. GT, however, still could not access my credit with XXXX. XXXX is the only Credit Bureau Green Tree uses. XXXX provided an Access Code ( for a " Selective Security Freeze Lift. '' ) which would allow only GT to access my credit report for a limited period of time ( another {$5.00} XXXX charge ). Green Tree was not able to use XXXX Access Code. There is no place to enter a code into GT 's system. XXXX, Loss Mitigation Dept., claims she has real time access to XXXX data, however, XXXX does not sign directly into XXXX credit system and can not enter the XXXX Access Code. I was instructed by XXXX that I would have to completely remove all Security freezes before they can access my data since she has no way to enter the XXXX Access Code. XXXX was informed there would be another {$5.00} charge to completely remove the freeze and another {$5.00} to invoke the freeze again. XXXX said that was the only way she could pull my credit. Although I did not want to open my credit information up for all inquiries because of my PII security being breached, there appeared to be no other option if GT was to continue with the Loan Modification process. After I initiated the complete security freeze lift with XXXX, GT still could not access my credit. XXXX 's supervisor told her she would have to wait until the next day to determine if they can access my credit. XXXX told me the entire Loan Modification would be on hold until she can pull my credit report. It appears GT does not have real time access to XXXX credit data although when XXXX was questioned, she said several times that she did have real time access. It appears that GT is batch loading credit data into GT 's system via overnight computer run. This has added at least XXXX days to processing my Loan Modification. A foreclosure sale is in less then a week. GT has forced me to abandon my prudent security measures making me vulnerable for additional fraud, and they still can not access my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation