milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2015 about Mortgage (FHA mortgage) with WEBSTER BANK, NATIONAL ASSOCIATION (MO).
Issue: Settlement process and costs

Complaint: We have been pressured by Webster to go along with their requirements in our short sale although we were able to show hardship thru divorce and loss of income. Despite our attempts to work with them, they would not budge. They told us if we did n't make a decision in 24 hours they would take us to court. Although it would strain us, we agreed from fear. Once we agreed, we sent them a money order immediately and signed the agreement. It has now been a month and they have not fulfilled their obligation. Our short sale is in danger of falling thru and we would be forced into bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A Group called " XXXX XXXX '' reported a debt of XXXX dollars being owed to XXXX XXXX without ever notifying me that there was a debt owed. First, I do not owe this debt, second I was never contacted by the collections agency. I have rights to dispute this charge and they never contacted me to dispute the charge. Under the FDCP I have rights to make any collections agency verify the debt. If they tried to verify the debt they would know that I do not owe it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Federal student loan debt) with URS Holding, LLC (WV).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On XXXX XXXX I was pressured by XXXX XXXX XXXX into consolidating a loan that was owed through XXXX XXXX XXXX. It was report to me I needed to pay 6 thousand and some dollars. I want to know why I was not offered a payment plan? I was given two options Pay debt in one lump sum or reconsolidate or be in Federal Default. Also I would like to know why your debt that you collected does not match up with a federal website? Below is a list of questions along with supporting evidence that you collected more on a debt then what I owed. Also XXXX state I paid XXXX on this debt through email communication so how I still owe XXXX on a XXXX dollar loan I am unsure. Below you find all supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage statement was dated XXXX/XXXX/2015. It was received on XXXX/XXXX/2015. This lapse of 9 days falls outside of normal postal delivery. I believe that actual mailing date took place on or about XXXX/XXXX/2015. The date on the statement should accurately approximate the date when the statement was placed in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been applying to receive a lower monthly payment from Navient since late XX/XX/2016. I am on an income-based repayment plan, and the amount increased from {$180.00} to over {$400.00}, which I can not afford. I have submitted every document asked of me, and every letter asked of me, and done so quickly and responsibly. Every time I call to check in on my income-based repayment recalculation, I have to start the entire process over again as the employees are not taking notes and no one is updating anything in the system. Also ( and I hate to complain about this, but it is true ), every time I call there is a language barrier that makes things more difficult and slow-going. I get put on hold several times and not a single phone call has been shorter than 45 minutes. Finally, when I have submitted the documentation requested, they have taken several weeks to review what I have sent, and then denied the recalculation because the documents " expired '' in the meantime between submission and review. It is now almost XX/XX/XXXX, and no recalculation has been made, however, they just keep putting off my bill 's due date for the " inconvenience '' while my account continues to accrue interest. I am starting to believe that this is all a tactic to get me to give up and pay them the large monthly amount, which I can not do. This has been the most frustrating experience I have EVER had with a financial institution. This is a crooked company that does not care about it 's account holders ( most of which were assigned to them and never wanted to be their customers in the first place ). Navient clearly has horrible management skills and I feel incredibly sorry for the employees they 've hired overseas who have to deal with the brunt of all our frustration with this crooked establishment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX, XXXX, XXXX XXXX, XXXX, ME advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XXXX of XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX, XXXX, XXXX XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when?

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Credit determination

Complaint: On XXXX XXXX, 2016 Capital One denied my application for a credit card because " Based on your application information, there is legal action pending against the applicant '' However they fail to disclose what the source of that information is and they did not obtain my credit report during the application process. On XXXX XXXX, 2016 I wrote a letter to Capital One requesting further information. I believe Capital One 's failure to disclose the source of this " legal action pending '' is a violation of the Fair Credit Reporting Act Section 615 ( a ) or Section 615 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my loan with Chase to a new loan at a XXXX reducing theXXXX year fixed FHA loan to a XXXX year loan. The process went smoothly with the credit union but when XXXX XXXX XXXX XXXX sent the wire to pay off the loan, Chase Mortgage did not communicate with the title company for XXXX days and rejected the wire without anyone knowing. No one called to say we cant pay this off because ... XXXX Now I have XXXX loans and paying interest on XXXX loans. I can not get Chase to help me resolve the matter and title has n't resolved the matter. We are getting late payment notices after they rejected the wire for the loan amount. This is ridiculous and we need something to happen to Chase to make this work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. ().
Issue: Fraud or scam

Complaint: I used Paypal to send money. They withdrew {$2500.00} from my bank account, but never sent it to the recipient. They have refused to provide customer service to resolve the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2017 about Debt collection (I do not know) with GC Services Limited Partnership (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX XXXX, 2017, the company ( GC Services XXXX ) contacted a family member about a debt collection belonging to my wife. The family member felt harassed and was asked to divulge personal information about my wife. The family member declined to give the info. I then called the company and was told they would not give me their name or business information unless I verified my wife 's information with them first. I declined to give a stranger this information unless they verified the nature of their business. The woman I spoke to would not give me her name, company name, or whether or not she was attempting to collect a debt ; all clear violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Payday loan, title loan, or personal loan (Installment loan) with MINNESOTA LIFE INSURANCE CO., THE (IN).
Issue: Problem when making payments

Complaint: On XXXX-XXXX-17 I called to inquire why I was not receiving my statements. I was advised by the branch manager XXXX XXXX that the third party affiliate of XXXX XXXX XXXX ( XXXX? ) No longer sends out paper documents. I have to go online. I advised that I have the right as a consumer to request paper documentation. They said that I could not request this information to be mailed and there was nothing that they could do for me. I find it very unprofessional that they do not respect my rights. If they can not respect my rights the debt should be waived in full.

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 10/23/2016 about Mortgage (Conventional fixed mortgage) with UNITED GUARANTY CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX, I obtained a mortgage insurance policy from United Guaranty Residential Insurance Company as a stipulation for a mortgage loan. A default of the mortgage required United Guaranty to pay the balance of the loan to XXXX XXXX after the foreclosure sale. Since that time, United Guaranty has made several ( 6 ) attempts to obtain reimbursement via civil actions ( Case No. XXXX ) to no avail. Once again United Guaranty has filed to obtain reimbursement in hopes that at some point they will receive a positive judgement. The fact United Guaranty received payments as a insurance company, but now seeks to be reimbursed leaves me uneasy and cause me to question the necessity of obtaining insurance. Though the courts to date has found United Guaranty claims to be baseless, it has been aggravating to have to take time away from my work to defend myself against an entity I paid to supposedly protect me from civil action. It is also to be noted that the claim was less then the amount which I was insured for. The insurance company is attempting to act as the subrogate of XXXX XXXX, who has taken no actions for or against United Guaranty.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Consumer Loan (Vehicle loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX hours finance a XX/XX/XXXX Ford Focus from Car Hop XXXX acceptance court right off the bat I noticed some we 're grinding noises and vehicle ran rough I ask the dealer about this and he told me that I could just take it down to XXXX of their specified shop then they would fix anything wrong with the vehicle for no cost me for the first visit but also stated that after the initial visit to the repair shop all repairs would have to be approved by the warranty department so being a little naive to the whole car buying leasing financing situation and being totally stoked I even got approved I drove away in the car on XX/XX/XXXX I took the car to XXXX XXXX XXXX XXXX in missing work that day if the car was in the shop until the XXXX of XXXX when I was finally contacted by Car Hop after several attempts to contact them they told me that the warranty company would not approve the problems that the car had and asked me to come down to the shop on XXXX XXXX I called into work and XXXX ride down there to the shop long story short they wanted to trade me out cars because they did n't want to fix before they gave me XXXX options to pick from none of which were anything special I chose to go with the Pontiac Grand Am GT after test driving it and having a friend briefly look it over the car seems like it was in good condition within a few days of having the car I started to notice it ran a little hot and when it would get hot it would shift into and out of gear with a hard kick I also noticed there was some weird slushy stuff in the coolant so I took it again to XXXX XXXX XXXX XXXX where they did a full diagnostic on the vehicle and sent the results to the warranty company once again to be denied I tried numerous times to get a hold of somebody at Car Hop and at the warranty place only to be given the runaround for two days and having to pay 78 dollars to get my car out of XXXX XXXX XXXX. the warranty company denied the work that needed to be done claiming they no longer do business with XXXX and told me they wanted me to take it to their shop by Car Hop called XXXX & XXXX auto. When I took it to XXXX & XXXX Auto on XX/XX/XXXX with the same problems but even worse then before the man called me the next day and told mgr he did n't find anything wrong with the car so I argued with him a little and got him to agree with letting the car heat up got a little bit and then test drive it he says he did that and he going some spark plugs misfiring he sent that work to warranty company and again it was denied and again I had to pay 78 $ to get the car out of the shop. It 's a hole lit to explain even more than what I 've explained here but these people are really doing some shady business and I really need some help cause I have no idea what I 'm doing

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 09/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I was trying to open a bank account at Bank of American but the banker told me that I ca n't open bank account at Bank of American because they said I abuse an account that I had. At that moment I was confuse because I have never open account at Bank of American before I was a victim of identity theft before I had fraud on my credit report. So I had to go to my local police station to file a police report that day so I need this bank to do a investigation on who open this account without my authority Bank of American told me I can never open a bank account never in life because of this situation.

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 10/13/2016 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: I am requesting that a forensic audit be done regarding this account. This company has over charged me and inflated expenses. They also sold the vehicle without sending me a 15 to 30 day notice of the sale. This company is a predatory lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Medical) with Firstsource Advantage, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX fraudulently billed me for procedures that were not performed, agreed to by myself, or authorized by the XXXX. While we have demonstrated that we payed the quoted price for the procedure, XXXX committed an anticipatory breech in this billing. 
After multiple attempts to bully us into payment, they have once again submitted this to another collection effort, a year after our last settlement of issues. 
This is causing us stress, time, money and unnecessary distraction. I am uploading the documents that should settle this once and for all, but please be advised that my files are complete and intact if you require any additional evidence of " intentional fraudulent billing practices ''.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (VA).
Issue: Trouble during payment process

Complaint: My mortgage with Loancare ( billpay alias " XXXX XXXX '' ) was paid in full on XXXX/XXXX/XXXX ( attached ). Loancare issued a check for my escrow balance on XXXX/XXXX/XXXX ( attached ). I mistakenly forgot to turn off my bank 's auto-pay for the mortgage and payment of XXXX was made to Loancare from my XXXX XXXX bank account, delivered electronically on XXXX/XXXX/XXXX ( attached ). I called the customer service line on XXXX/XXXX/XXXX to request a refund and the customer service agent said that because my loan was paid off, they had no record of the payment on my account and told me I would I have to send proof of payment to Loancare at XXXXXXXXXXXX. Later on XXXX/XXXX/XXXX, I provided, to the indicated email address, my billpay electronic delivery receipt along with my loan and contact information ( attached ) and Loancare auto-responded acknowledging my request and assigning it a reference/ticket number. ( attached ) On XXXX/XXXX/XXXX, Loancare deemed my proof of payment insufficient, requested my bank statement, and closed my request as " resolved. '' ( attached ) Based on the information I provided to them, and the fact that there has never been an issue matching my XXXX bill-payments to my mortgage account, I believe Loancare has sufficient information to locate and identify my errant over-payment and is stonewalling to hold my funds for as long as possible.

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 01/26/2016 about Credit reporting () with EARLY WARNING SERVICES, LLC (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My account is related to an old case number : XXXX was turned over to EARLY WARNING and I was wrongfully accused and did have money in my account. 
Please have early warning clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: i received a sale notice date set for XX/XX/XXXX from peak foreclosure service acting as the trustee for from what i was told Bank of America, but my loan was originated by XXXX XXXX XXXX Loans, i was contacted by XXXX XXXX servicing a sub-servicer working for either Bank of America or XXXX XXXX XXXX XXXX XXXX in which all of these companies claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX a shell company is the owner of my mortgage i request a QWR back in XXXX of XXXX but never received a reply in the time framed prescribed by law from none of these companies, this loan has been moved from one place to another with no real way of knowing who is the real owner of this loan in order to get answer to question of why my mortgage payment and deed of trust do not have the same interest, payments and terms from the day this loan was recorded, and who i should speak to regarding the decisions of a loan modification from Bank of America or XXXX XXXX XXXX XXXX since the sub-servicer has to get information from these banks, i need names and numbers of representatives from of these banks regarding all information pertaining to the mortgage that they claim to own, also if Bank of America is the decision maker then i need to speak to them directly regarding my loan modification request because i have no clue who the real parties are, interesting enough i found a case just like my that spells out this problem : CLICK ON THE LINK : XXXX : XXXX # XXXX Follow The Mortgage - 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 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: This letter is in response to your recent claim, which Bank of America claim I have a charged off account with them.By not replying in a timely manner to my initial letters, they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. I 've made attempts to contact them by mail be all I got was returned mail I only mailed them at the address listed on my credit file. XXXX XXXX XXXX XXXX XXXX TX 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 08/27/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax will not remove a Paid Tax Lien from my credit report after numerous, Disputes with them, in the disputes i sent the information the County and State Sent me. I contacted the State of Ohio Attorney Generals office and they informed me that they have sent letters to expunge the Tax Lien From my record. XXXX, and XXXX have both removed the Trade Line. But Equifax continues to report it.

Company response to consumer: Closed with explanation