milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I purchased my home in XX/XX/XXXX, I got a first and second mortgage ( the norm then ). When XX/XX/XXXX came around I realized that my retirement was gone in my 401k and the company I worked for fired all of us. In XX/XX/XXXXI ended up filing chapter XXXX. I called the first mortgage company and said I wanted to keep paying on that debt in order to keep my home. I called the second mortgage company and said i could not pay them and would be filing on them as well as other debtors I had. Everything was fine and my bankruptcy was discharged in XX/XX/XXXX. I was able to acquire a HAMP mortgage through my first mortgage company which took effect in XX/XX/XXXX and remain in my home today. My issue is that I have applied for a reverse mortgage ( taking advantage of the increasing equity in my home ) and all was great except the new lender found that I have a lien on my home. The lien is from the holder of the second mortgage ( XXXX XXXX then bought by Green Tree Financial then bought by Ditech now ) and they have sent me letters reminding me that I am NOT responsible for the payback of the mortgage due to the statute of limitations that expired. I called Ditech and they corroborated the fact that I am NOT responsible for the repayment of the loan and admitted they have a lien on my home BUT they refuse to release the lien even though I am not responsible for the repayment that was discharged through my bankruptcy in XX/XX/XXXX. Is there anything you can do for me in regards to this problem? Is this a normal situation? Im sure they want to take advantage of the high home values in my area and get paid again ( since their insurance must have covered them from the initial 2nd mortgage loan ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Debt collection (Auto debt) with BMW Financial Services NA, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opened i have a cousin same name who used my name and there conspiring with him

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Bank account or service (Checking account) with Automatic Data Processing, Inc. (MI).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016 I contacted ADP ( my payroll processor ) to cancel my pay-by-pay worker 's comp. insurance coverage ( provided by XXXX. 
The ADP representative sent me a cancellation form. 
On XXXX XXXX I signed and returned the form. ( See attached ) * They requested proof of other worker 's comp. insurance as a condition of cancellation. 
I forwarded the Insurance Binder as provided by my insurer ( XXXX XXXX ) - showing coverage beginning XXXX XXXX, 2016. ( See attached ) * The following Monday, XXXX XXXX - I submitted payroll and saw that NO FURTHER WORKER 'S COMP. PAYMENTS WERE CHARGED. This confirmed my understanding that the paperwork had been processed, the policy was cancelled, and that the end-of-policy audit would be conducted - at which point I would get some type of written document and/or invoice for any unpaid premium. 
This Monday, XXXX XXXX - 8 WEEKS after cancellation - I submitted my payroll, only to find that an additional {$650.00} in XXXX premium was charged and automatically deducted from my account*. I looked further and saw that approximately {$550.00} had been deducted the week before! * I immediately contacted the payroll company, and after LENGTHY DISCUSSIONS, I was told # 1 - the company never received my cancellation, # 2 - " a system glitch '' initiated the charges, # 3 - I would need to re-submit my cancellation ( which I did ), # 4 - I would need to provide proof of coverage again ( which I did - but which they said was inadequate ), # 5 - I would need to provide a Certificate of Insurance ( which I did ), # 6 - And I would have to wait approximately 30 days for the company to determine IF I would get my money back. I was not allowed to talk to a Supervisor - presumably because none were available. When I inquired which Department Head was responsible for monitoring a system that arbitrarily self-engages to withdraw funds from client accounts, I was told " there is no specific department responsible for this. ". 
I asked to speak with the representative who handled my original call ( XXXX XXXX ), but the phone rep. refused to transfer me to him. Her name is XXXX XXXX. 
Please note that I am, of course, concerned about receiving my money back, but I am MORE CONCERNED that this company is ABLE TO WITHDRAW FUNDS FROM CLIENT ACCOUNTS - FOR ONE OF THEIR VENDOR AGENCIES ( XXXX XXXX ) WITHOUT NOTICE OR PERMISSION - and seemingly WITHOUT CONSEQUENCE. THIS PRACTICE MUST BE STOPPED, and I strongly suggest that consequences be imposed to DISCOURAGE further violations of customer trust. Had we not had the funds to function following this withdrawal, the consequences for OUR company might have been severe. I ask that this be viewed with THAT in mind and that sanctions be imposed to ensure an END to these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Identity Theft Victim ... 

Didn't Authorize ( Inquires ) Pulling of Credit .... 
XXXX!!! 
XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions Didn't Authorize ( Inquires ) Pulling Credit!!! 
Transunion Creditor Name Inquiry XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX   XX/XX/XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance

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 04/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent outsourcing is acting on behalf of XXXX for a phone bill that I do not owe. XXXX has been going to various collection agencies and putting this on my credit report and it should not be. Every single agency has removed the debt ( XXXX, XXXX, XXXX ). I need this removed from my XXXX report. They already have removed it from my XXXX report but not on my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (IA).
Issue: Account opening, closing, or management

Complaint: I became a Wells Fargo customer in XXXX with, as far as I know at this time, XXXX checking account and XXXX savings account. After reading about the recent news about Wells Fargo I started to review my old statements. I believe starting in XXXX, I became a victim of fraudulent fees and possible unauthorized transfers as a result of their banking practices. I have full documentation of all account use since XXXX. I am attaching a statement from XXXX and XXXX XXXX as an example.

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 01/15/2018 about Debt collection (Medical debt) with The CBE Group, Inc. (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Over the span of two weeks, I have received 26 calls to my cell phone from a debt collection company by the name C B E Group. My phone automatically rejects calls from this company but keeps a record of calls rejected. It is my understanding that it is in clear violation to make multiple calls to a number in a 24 hour period in an effort to collect a debt. I do believe it is considered harrassment. I would like the calls to stop and to pursue legal repercussion in regards to this harassing behavior. 
XX/XX/XXXX XXXX @ XXXX XXXX 3 times in one minute @ XXXX XXXX 2 times in one minute @ XXXX XXXX XX/XX/XXXX XXXX @ XXXX XXXX 2 times in 1 minute @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX 3 times in one minute XX/XX/XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX 2 times in 1 minute XX/XX/XXXX XXXX @ XXXX XXXX @ XXXX XXXX 2 tines in 1 minute XX/XX/XXXX XXXX @ XXXX XXXX 3 times in 1 minute @ XXXX XXXX 2 imes in 1 minute @ XXXX XXXX  XX/XX/XXXX XXXX 4 times that day XX/XX/XXXX XXXX 2 times that day

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I took out a loan for {$7700.00} with XXXX XXXX, I then received a refund from the school of {$3600.00} from XXXX XXXX - that was in XXXX. 

My balance should have been {$4100.00}. I have made payments of at least {$6100.00}, and my balance is still showing {$3600.00}. That means I 've only paid down the principal of {$470.00}. This is unethical business practices on the part of Navient. And I need help. 

I have more than paid for this loan and I am going through some tough times. I truly need this loan to be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX charged off credit card debt from a failed business venture and reported it as a consumer account on my credit report. I disputed the accounts with XXXX and in retaliation XXXX sold the debt to an outside debt collection agency called Sherman Originators, LLC. The only reason I was notified that Sherman Originators, LLC owned the disputed debt is because XXXX responded to a complaint I filed with them regarding the failed business venture. I did not receive a notification from Sherman Originators, LLC. about an attempt to collect a debt or information verifying the debt was mine which is in violation of the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, after checking my credit report the debt was sold again to a company called LVNV Funding, LLC. I contacted LVNV and they sent a letter that appeared to be in compliance with regulations set forth by the FDCPA and the CFCPA. However, I was unable to dispute the matter because the company received inaccurate information from the Sherman Originators and ultimately XXXX regarding the classification of consumer and business debts. XXXX and Sherman Originators did not meet requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, LVNV Funding, LLC refused to acknowledge they received incomplete and inaccurate information from Sherman Originators, LLC and ultimately XXXX. How can inaccurate information and failure by the companies to properly notify, stemming from the original source, continue to be reported to my consumer reports?

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Shortly after I XXXX with my XXXX in XXXX 2015 I was contacted about the repayment process of my loans. My private loans are through Navient. The monthly payment was n't affordable ( still is n't ) by any means. I 've contacted them weekly to discuss any options that I may have. I was told that I could n't get a forebearance unless my loans were paid current. By this point I could n't even begin to make my account current. I provided them income verification and have done server all other steps to try to resolve my account. But I 've been told there is nothing they can do. Upon, further looking into my account I started to question the amounts of the loans as my tuition for school was significantly less that the amount of the original loan. I have on several occasions requested copies of the Master Promisary Notes for these loans and Navient has yet to provide them to me. At this point I am questioning whether these are in fact my loans or not. Also, the loan monthly payments that they are requesting are a significant financial hardship as they total roughly 60 % on my monthly income. I 've come to the point where I feel I have no options and not even sue what a next step would be to starting to resolve this issue. Navient has been far from helpful in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am disputing an unauthorized inquiry. 
XXXX Date Filed XXXX/XXXX/XXXX Type Sales Financing Company Phone Number BYMAILONLY Address XXXX XXXX XXXX I have contacted Experian, and XXXX by telephone. I have no documentation to show that I have contacted them and that they have received my phone calls. I have phone numbers and names of the people I have contacted. I original started my complaint when I noticed an inquiry of XXXX. I called experian about it and asked what it was because there only information is a PO BOX address. Experian reluctantly gave me a phone number to contact. XXXX XXXX XXXX ( XXXX XXXX answered ) I explained my situation of an unauthorized inquiry. XXXX XXXX then gave me the phone number to Applications within XXXX XXXX. I spoke with a women named XXXX she took my social security number and went through each company that they finance with and not a single institute had used my name or social security number to inquire for credit in all of existence. She filed the complaint with another department for which she would not give me a phone number to follow up on the process. I started this process XXXX XXXX, XXXX and this inquiry has negatively impacted my credit score since XXXX XXXX, XXXX as a hard inquiry.

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 05/14/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Transaction issue

Complaint: Fraud occurred on my Bank of America ( BoA ) credit card on XX/XX/XXXX-XX/XX/XXXX. I contacted BoA on XX/XX/XXXX to report. They immediately closed my card, reversed the fraudulent charges, and sent me a new card. On XX/XX/XXXX, I made several returns to XXXX XXXX XXXX and on XX/XX/XXXX to XXXX. After three calls between BoA telling me it was XXXX ' problem and XXXX telling me it was the bank, someone in the fraud department told me that BoA had " upgraded '' their system in XXXX which requires customers to call for balance adjustments each time something is returned back to the old credit card account. Fraud has occurred on my BoA credit card at least once a year for the past several years. I have never before had to be this involved with getting my credits transferred to the new account because it was always treated as XXXX account. After five calls to BoA, I finally reached someone in the fraud claims department who knew of this new system flaw and helped me with the balance adjustments to my new account. Most of the adjustments were correctly reflected as credits to my account. XXXX of them was transferred as a debit. A sixth call, XXXX BoA employees, and 45 minutes later, an employee understood my issue and said I should receive a reversal and credit back in one or two days. Please note this was approximately {$2400.00} that was held up for almost four weeks of calling Bank of America six times. Had I not kept calling, I would not have gotten my money back. A BoA system upgrade should not become a consumer problem! I have been a checking customer with them for 20 years and credit card holder ( of the same account ) for 11 years. I am seriously considering switching banks after this fiasco.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt collection is erroneous and I do not owe any debt to them. XXXX never sent me a final bill as they had an address of a home I have never lived in. I was never called, emailed nor did I ever receive a physical bill. There was no way I could have known I had an outstanding balance

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The collection account for XXXX XXXX XXXX was paid in full ( see the attached letter XXXX on XXXX/XXXX/2016. XXXX had stated the collection account would be shown as paid on the XXXX/XXXX/2016, however, as of today the credit agency has not timely updated the report. 
See attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Settlement process and costs

Complaint: In it 's answer to complaint XXXX, SPS denies my demand to rescind my loan. 
They base the denial on the fact that my my loan originated in XX/XX/XXXX ... ... my ORIGINAL loan did originate in XX/XX/XXXX, but it was REFINANCED ( NOT MODIFIED ) XX/XX/XXXX. 
I say it was refinanced because the loan was INCREASED by over {$50000.00} because they added the balance of funds they ( actually XXXX XXXX, the servicer at the time ) used to pay off my then XXXX mortgage with XXXX XXXX without my knowledge or permission. They did n't just modify my original loan, they did a cashout ( the funds from XXXX mtg payoff ). The only way it would be a modification is if they did n't add the extra funds to MY account. 
Since I never received ANY TIL materials, or even an accounting for the extra money, I am exercising my 3 rear right of rescission, which I originally notified the XX/XX/XXXX. 
If the refinance that they call a modification was really just a modification, they would be right, but the refinance occurred on XXXX/XXXX/XXXX, and I am well within the 3 year window to rescind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have encountered many incidents of financial identity theft dating back since XX/XX/2015. I was made aware of this payday advance loan when I received a letter dated XX/XX/2015 stating an unpaid collection had been reported. I did not apply for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: SOLD MY HOME XX/XX/2016, PAID OFF XXXX AND XXXX EQUITY LINE OF CREDIT. TRANS UNION CONTINUES TO INCORRECTLY REPORT A $ XXXX + BALANCE ON MY CREDIT REPORT. FILED A DISPUTE THROUGH XXXX XX/XX/2016, TRANS UNION IGNORED IT. XXXX LAST REPORT, PAY OFF DOCS, TO THEM WAS XX/XX/2016. STILL SHOWS ON MY CREDIT REPORT & HAS AFFECTED THE COST OF CAR INSURANCE AND OBTAINING A NEW MORTGAGE. PROOF OF PAYOFF UPLOADED HEREIN. TRANS UNION UTILIZED FOREIGN CUSTOMER SERVICE. I WANT THIS CORRECTED ASAP. 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 non-monetary relief
Consumer complaint received 12-06-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: APR or interest rate

Complaint: I am retired aged XXXX years. I lost my job in XX/XX/XXXX. 
My main source of income is retirement benefits from social securityJob loss and XXXX to my wife make me unable to meet financial commitments in paying medical bills and credit card payments. 
I have a debt of {$20000.00} on credit cards since XX/XX/XXXX and a personal loan.from XX/XX/XXXX. 
Till today I am able to pay all the payments to credit cards and personal loans on time while I was in job without any back payments or default in payments at any timeMy main source of income is {$1000.00} from social security as retirement benefits. 
Hear after I may not be able to continue the payments with very high APR.. 
Requesting all the credit card companies to reduce my interest rate to the maximum possible and help me in paying off their dues. 
I am great full to the CFPB management for this helping hand to the needy consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NC).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Walmart, Old Navy, JcPenney and XXXX XXXX have repeatedly called around XXXX XXXX in reference to the account! I 've called them and even tried multiple times to negotiate a good pay off amount and they said they would n't call anymore once they sent me the the letter with where I could send the payment when I got it. I have n't received a letter and they 're still calling and threatening to sue before dawn! I have a small child and that is a distraction in the wee hours of the morning. I feel totally harassed!

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 01/28/2017 about Debt collection (Medical) with Io, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: my identity was used improperly to create this fraudulent account ... XXXX and XXXX have removed from credit bureau, but XXXX still has on my report.. i wasnt this account off!!!!

Company response to consumer: Closed