milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2016, my client was approved for a loan modification thru Bank of America. It took a long time to get the modification, because my client was going thru a divorce at the time. The bank needed a copy of the XXXX and a quitclaim deed from the spouse to my client, so that the ex-spouse would not have to sign the modification documents or provide financial documents. Once we got all the documents to Bank of America, my client was approved for an FHA HAMP modification. When he received the trial modification offer, my client sent back the modification paperwork as requested by the bank in the envelope provided by Bank of America. He made his XXXX trial payments, XXXX, XXXX and XXXX and each was sent in early. On XXXX XXXX, 2016 he received a XXXX XXXX stating that he was denied the modification, because the bank did not receive " all the required signatures ''. My client was the only person who signed the modification papers due to the representation of the bank that the ex-wife would not need to sign if my client provided the XXXX and the quitclaim deed. This is totally unfair. We have been working this modification thru the attorney for Bank of America. At all times we were told that my client 's ex-wife would not need to sign any documents if we complied with the bank 's requirements of getting the couple divorced and the house put in the Husband 's name. The evidence to this agreement that they approved the modification without requiring the ex-wife 's financial documents and the bank 's requirement of providing the XXXX and quitclaim deed and numerous emails we have with the bank 's attorney. We tried to resolve this with BoA 's attorney but he is unable to provide assistance. My client has continued to make payments. Please help. There is no reason that this trial modification should not be made permanent.

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 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I attended XXXX in XXXX, GA from XX/XX/XXXX until XX/XX/XXXX and the school I attended closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently pulled my credit report with XXXX and XXXX and saw that reported me as a collection account. I immediately disputed this information with XXXX and XXXX. I unaware of this collection account and paid XXXX directly. I have written letters to DCI on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. They responded by updating the pay date to the date that I paid XXXX. I have asked for verification of this debt and the disclosures sent to me under FCRA but to no avail - I have received no response. They are in violation of the FCRA because they will not verify this debt or provide proof of disclosures. 

I have requested an investigation by DCI but to no avail - they have not answered me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Consumer Loan (Vehicle loan) with TOTAL FINANCE AC LLC (IL).
Issue: Problems when you are unable to pay

Complaint: I have a Car loan for a XXXX Cadillac escalde. I have Fell behind in payments and was concerned I hired a power of attorney to help me out His name is XXXX XXXX He has been doing his job He sent a cease and desist letter to the creditor and they call me non stop and are harassing me daily They even call third parties for me such as my son in aw and my son in law mother It is ruining my family slowly and is embarrassing What else can I do? Also they have now started to take my wages from my paycheck I had no notice of this No paperwork, nothing in fact of this How is that right or fair to me? Why do they harass me? Why are they taking my wages with no notice to me? The creditor, loan company is total finance, they are located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX, XXXX their phone number is XXXX I have all phone records as proof I also have all the voicemails I have my paycheck for proof of the garnishment I also did my research on this company and found they are notorious for breaking laws Such as not reporting correctly to the credit bureaus also giving people vehicles with bogus social security numbers and very high interest rates that change from the dealership to the paperwork I really need your help to stop them from breaking the laws please I do not know what else to do XXXX XXXX the power of attorney sent the cease and desist with conformation received from them on XXXX XXXX 2015, and XXXX XXXX 2015 They tell XXXX their attorney will call him and they have never called him not one time they call me daily they leave robot voicemails and live voicemails on my cell phone which I also believe that robot message on a cell is illegal Its a fact they are a bogus company that break laws its public information and also have attorney general reports on them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Using a debit or ATM card

Complaint: A debit card transaction appeared on my checking account for the amount of {$190.00} charged by XXXX XXXX/XXXX/2016 at approximately XXXX MDT. 
XXXX XXXX MA XX/XX/XXXX {$190.00} I contacted the card issuer, Chase Bank, and reported the fraudulent transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion has wrong info on my home equity loan pay off. 
My XXXX home equity loan was paid off on time. I had XXXX late payments a few years ago but this loan was paid off on time. I went to them and they said they reported it paid off by consumer. Trans Union has it listed as paid Derogatory. I filed an online investigation with them and it still came back as derogatory. The bank says it filed with all the credit reporting as Paid Off. Transunion has it as derogatory.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit card () with DISCOVER BANK (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/16 my Discover Card was charged {$47.00}, without my approval, for a subscription to a mobile application. Withstanding the charge not being authorized, the subscription for which I was charged was not credited or applied to any account or mobile device in which I possess. That is to say, no benefit was received. 

After contacting the Merchant directly, and finding them unable to assist ( due to incompetence or failure to understand the issue ), I issued I charge-back with Discover Card ( case number XXXX ). When the Merchant responded with information ( see Appendix A ) that was blatantly contradictory to my previous communications with them ( see Appendix B ), I notified Discover via writing of this fact ( see Appendix C ). 

Despite the clear and evident failure of the merchant to faithfully represent the nature of the charge, and my clear an unequivocal statement that no benefit was received, Discover Card denied my dispute despite their promise of a " XXXX-liability Guarantee '' ( see Appendix D ). 

After a review of the documents in which Discover attached to the case, it became apparent to me that Discover Card deliberately and systematically censored all relevant information pursuant to my appeal. That is, they blacked out relevant dates, and other information in the appeal I submitted, which clearly highlighted inconsistencies in the Merchant 's claim. This action undoubtedly led to the improper denial of my dispute. ( See pages XXXX of this letter ; Appendix C. ) Unfortunately, in this case Discover Card has acted in a manner which is inconsistent with its promise to deliver top-notch customer service, and XXXX-liability for fraudulent transactions. In denying my appeal Discover chose to censor and suppress contradictory information rather than evaluate it in accordance with the Cardholder Agreement. 

For this reason, I consider Discover Card to be in breach of its obligations for which it is bound, and to be acting in a manner illustrative of disregard of its obligations. It behooves me to think of all the similar claims Discover suppressed in the spirit of appealing to Merchants as opposed to seeking a just resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Wednesday XX/XX/XXXX I contact Trans union in regards to the excess of credit inquires on my credit report. I spoke to a rep By the name of XXXX XXXX. I explain to him clearly that the information on credit report was due to the recent security breach that Trans union tries to fix but failed miserably. Trans union has put this unverifiable inaccurate frivolous information on my credit report and refuse to remove. The unauthorized information has brought my score down 9 points. Here is a list of inaccurate inquires that are reporting. 

XXXX XXXX on XX/XX/XXXX XXXX XXXX REPEATED XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX

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 10/27/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: We paid the first installment of our XX/XX/XXXX real estate taxes on XX/XX/XXXX in the amount of {$7200.00} & {$430.00} ( interest ). The payment was approximately two months late. Our mortgage holder, Greentree Financial/Ditech, used this as justification to impose a Forced Escrow Account that would be attached to our mortgage account.Greentree Financial/Ditech 's subcontracted tax payment vendor, XXXX XXXX was notified about the late payment, and they SUPPOSEDLY sent a first installment check to the XXXX XXXX XXXX 's office but NO payment from XXXX was ever received or processed for this first installment by the XXXX XXXX XXXX XXXX XXXX, onlyOUR payment was received, and it was applied to the tax bill. On XX/XX/XXXX, we paid the second installment of our taxes, {$4500.00}, which was credited to our tax account by the XXXX XXXX XXXX 's office. Greentree/Ditech 's subcontracted Tax Vendor, XXXX sent a check AFTER our taxes were already paid to the XXXX XXXX XXXX XXXX on XX/XX/XXXX. That check hasbeen sitting at this office since that date, and it was never applied to our account because there was no outstanding balance. All this information can be verified with the XXXX XXXX XXXX XXXX XXXX, and we have attacheddocumentation validating this information with confirmationnumbers and dates of payments and payers. In XX/XX/XXXX, we began contacting Greentree/Ditech about this issue, urging them to contact the XXXX XXXX XXXX XXXX XXXX and have their funds returned. We sent letters, faxes, made calls, etc. We supplied documentation from the XXXX XXXX XXXX 's XXXX showing that the taxes were paid in full by us, and that no funds from Greentree/Ditech had ever been applied to our account. The XXXX XXXX XXXX XXXX XXXX told us that Greentree/Ditech must request that this check be returned to them, but they have never done this, in fact they have refused, because they want to impose the Escrow Account to our current mortgage. Our current mortgage payment was {$1400.00} per month, with the new Escrow Account, the proposedmortgage payment and fees would be over {$2900.00}, a 100 % increase in our monthly payment. We have decided to pay off the principal balance of ourmortgage this month, {$31000.00} ( plus interest fees ). The Escrow Account that was to begin this month should be voided, as it was to be initiated in XX/XX/XXXX, and the mortgage will be paid off before XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My social has been used, so I would like to get it investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Medical) with JP RECOVERY SERVICES, INC. (OH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have already filed one case against them ( XXXX ) to which they responded and said it is n't them. I have video recordings of the voice call to show their number. They have since changed their number and are calling and harassing me at work again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 12/20/2016 about Bank account or service (Checking account) with SCOTTRADE BANK (OH).
Issue: Using a debit or ATM card

Complaint: This is in regards to XXXX and the illegal transactions posted in my XXXX Bank account. I 'm not going to drop this issue until you acknowledge the fact that Finpari.com is an illegal company and every transaction from them is null and void. I will not accept your previous " determination ''. The SEC and CFTC even says that Finpari.com is illegal. I urge you to contact them so we can be done with this.

Company response to consumer: Closed
Consumer complaint received 03/30/2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Closing/Cancelling account

Complaint: I opened a credit card account with XXXX XXXX last year and almost from the beginning I started getting fraudulent charges. I referred them to the credit card company and trusted they will be handled properly. I noticed that some of them were dealt with but recently I went through all my transactions and noticed that they are many more fraudulent charges on my account. So I called XXXX XXXX yesterday ( XXXX XXXX, 2016 ) and spoke to a gentleman who promised to take care of all my needs, including initiating a security closure of my account that was supposed to be effective immediately, i.e., yesterday XXXX XXXX, 2016. Today ( XXXX XXXX, 2016 ), I received an alert email from XXXX XXXX showing that my account is still active and that it has been charged with XXXX new fraudulent transactions from XXXX different states. The manager at XXXX XXXX with whom I spoke today is XXXX ( ID XXXX, Maryland office ). She promised to initiate an internal investigation to determine why her colleague did not do his job yesterday which caused my account to get additional fraudulent charges.

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 11/26/2016 about Credit card () with CITIBANK, N.A. (OK).
Issue: Unsolicited issuance of credit card

Complaint: I signed up for a Sears Store card and rejected the other offers. Approximately one year later I received a Sears Master card in the mail - I did not act on it. I went to the Sears Store to make a purchase/payment and was told I could not use my Sears Store card. I had to find the Sears Master Card in order to call Sears/Citibank. I was told my Store card was switched to a Master card because I did not opt out when the Master card was sent to me. I began using to Master Card thinking it was just a regular card. I recently went to the Store and was offered a new store card which infuriated me because I feel like I was tricked into taking the Master Card that I DID N'T want in the first place. Today XX/XX/2016 I received a call from Citibank asking me to pay more on my card because the XXXX dollars I paid before it was due was not enough ( XXXX. ) I was told that the payments fluctuate based on the amount owed. Now I feel like I have been the target of predatory lending.

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 07-05-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had eight years of identity theft. I disputed it. All three credit bureaus took off the fraud after the investigation. My score was in high XXXX. It was not my fault. I had police reports, every kind of proof. They refuse to put my score back where it was. All my credit is paid on time. Perfect payments. I need your help to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (Medical) with Financial Corporation of America (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XX/XX/XXXX I filed a complaint against this company and they responded by stating the following : '' Financial Corporation of America shows no open inventory or credit reporting under your name or social security number ''. 

Again I submit my complaint ... In XX/XX/XXXX my personal information was compromised when my car was broken into and my handbag stolen. Since XX/XX/XXXX a series of accounts have been opened using my personal information this has caused my once great credit to plummet to XXXX. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (I do not know) with DataMax Corporation (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Interstate Credit Collection to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 07/28/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: A package was submitted for a loan modification with XXXX XXXX Loans, XXXX XXXX, 2015. An modification offer was received from XXXX XXXX XXXX, 2015. The documents were signed and returned to XXXX as requested. The loan was transferred to Select Portfolio Services ( SPS ) XXXX 2015. Select Portfolio says that they will not honor the agreement because it was not signed. XXXX says they received the signed documents but did not have time to process and execute because the loan had to be turned over to SPS. Select Portfolio Services now has the loan in default and says it has to be cured by XXXX XXXX, 2015 or foreclosure proceedings will begin. We do not have {$4500.00} that they are requesting to stop the foreclosure action.. We have made on time monthly payments as per the agreement signed with XXXX. All we are asking is that SPS honor the agreement from XXXX XXXX Loans. Select Portfolio says they need to get a copy of the signed agreement from XXXX. We want to save our home. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: A account was open on my name,, and fraud was on my account right after,, this happen since XXXX, and I can not open other bank account on my name, due to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle back in 2007 from XXXX XXXX in XXXX SC and had the original term set for 6 years, this loan was made with XXXX XXXX. payments were XXXX. Made payments on time and a few months later I received a notice that Santander Consumer bought my account. Well from that point forward I thought that the payments that I made to XXXX would roll over however it seem as if my contract started all over again with XXXX. Every month I would receive a notice that I was making my payments late and receiving late fees but in all reality I was sending the payments in on time but they were not being applied to my account. About a year ago my contract with XXXX had matured and they offer to renew it for 24months bc we had late fees on the account. So we did and the payments went down to XXXX however we had paid almost XXXX for the truck and the original contract with XXXX was only XXXX We are being rob by XXXX and we need help to see what they are doing. Now they are telling me the contract ends next month but we still owe XXXX on the truck. Credit bureau is reporting behind and I make a payment every month but the billing statement is saying we are behind with late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: On XXXX/XXXX/2016 I mailed a hardship/cease and desist request to Macy 's. However Macy 's continues to call my cell phone and home phone repeatedly at all hours of the day. I am elderly with severe health issues ; these calls have resulted in increased XXXX for 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 11/27/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: Chase bank closed my account without notifying me or telling me why

Company response to consumer: Closed with explanation