milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Dear CFPB I paid my Gap card in full in XXXX. Apparently finance charges were added to account subsequently in addition to late charges causing a small balance to appear. I had no idea about this, received no bill at home or no notifications. I was only made aware when I check my credit report. Sychrony cancelled the balance out but the derogatory information still appears on my credit report

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 10-12-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I first requested a Loan Modification Packet from Ditech Financial on XXXX/XXXX/2016 which I never received. I have never missed any other correspondence from Ditech. After calls to the service center, I was instructed to download documents from the website and given a list of other documentation to upload or send into the company. I sent in everything as requested. On XXXX/XXXX/2016 I called XXXX back and was told my application was not complete and additional items were required. I sent in much of the same information again. Since that time I have called multiple times to check the status and every time I get the same story- something is missing from my file/I need to send something else in before the modification can be reviewed. 2 weeks ago, I was told all my modification paperwork had been received and that they would begin reviewing the file. Oddly, the Supervisor came on the phone line to clarify why I needed a modification and discouraged me from proceeding until I explained I had a XXXX. I guess fear of discrimination made her back off. 
Yesterday I called to check the status of my Modification requests and was told that the underwriter assigned to my file was no longer with the company ( which was untrue ), and that my applications was not complete. Ditech had lost a document I sent in TWICE before, and stated this is the reason I have not been reviewed for modification. I 've been asked to send in the non-borrower 's credit form XXXX different ways. My tax forms were sent in twice with my signature page a XXXX time. CS representatives actually instructed me to " just XXXX '' forms I could n't find on the Ditech website. One XXXX instructed me to download and send in a form that had another bank 's name inscribed. 
In another phone call yesterday, I requested a copy of my consumer rights and was told that no such thing existed. A supervisor said something to the affect that maybe I was referring to CFPB but they did n't have to provide copies. 
At this point I feel that my modification request is being intentionally blocked. The requests for multiple resubmissions of paperwork is nothing short of harassment. If this is the improved XXXX Ditech is supposed to be providing as a result of the Greentree settlement they are failing terribly. CFPB needs to stop Ditech. This site is full of stories just like mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Credit card debt) with Selip & Stylianou, LLP (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This so called  firm Selip and Stylianou LLP, tog ether with the  corrupt   XXXX   XXXX   XXXX , are trying to collect a  zombie  debt which is way past the Statute of Limitations of 7 y ears in New York State. I received a bizzare letter without any mention of the Statute of Limitation for debt collect nor the opportunity to dispute the validity of this claim. I do not owe anything and this company is trying  to collect a zombie debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (I do not know) with ProCollect, Inc (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is accusing me of this unknown debt. I feel like they are trying to say this debt is mine without investigating properly. I have never lived at the address that this debt has come from. The only addresses I 've ever lived at are the ones on my credit report. I never claimed this debt was mine. I simply stated that if you are saying that this debt belongs to two people then it should be split in half, because two people ca n't owe the same amount on one debt. I also noticed that this company stated that the debt occurred in XXXX, but my credit report is stating that the open date is XX/XX/XXXX which means that y'all are n't even sure when this debt occurred. I ask that this debt be properly investigated or REMOVED from my credit report. I have never even been a resident at this place. I have lived in Louisiana since the day I was born. This company claims that I never sent them proof of my residence for XXXX, but I was never asked to provide any proof of residence. This company is doing all that they can to accuse me of this debt. If this matter is handled properly, then I will be filing a complaint with the Federal Trade Commission. This debt is not mine and should n't be on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Bank account or service (Savings account) with PNC Bank N.A. (MD).
Issue: Account opening, closing, or management

Complaint: PNC Bank refuses to close my accounts despite multiple requests and continues to forward spam.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (I do not know) with Recovery Solutions Group, LLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: A company name http : //rsgcollect.com/ contacted me by phone and said a loan debt was owed in the amount of XXXX. 
i told them to email me the information for review. i then received a call 20 minutes later from a blind number from a company called XXXX XXXX threatening to seize property and that they will contact my parents, visit my property and contact my landlord of my business if i do n't pay today. 
i called recovery solutions back and told them about the XXXX call and they confirmed that they hired XXXX to seize property immediately. 
i began to feel suspicious, so i found contacted XXXX online and contacted them- they said they do not know of a company called recovery solutions. and i then contacted the original debtor listed on the debt and they too did not hear of recovery solutions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XX/XX/XXXX, we submitted a complaint to the CFPB regarding our private loans from Navient ( # XXXX ). My husband is a former XXXX XXXX student and graduated XX/XX/XXXX. There is serious doubt as to whether he took these loans out. Shortly after the most recent complaint, we discovered our college advantage loans were at a XXXX balance. My husband called Navient to discover what was going on and was told they were on a forbearance, although they could not say why. On XX/XX/XXXX, we checked the balance of our private student loans to see where we stood in regards to balance. Again, that balance was XXXX. From XX/XX/XXXX-XX/XX/XXXX, we have received calls from Navient asking for payment on these loans. At this writing, Navient is being sued by your bureau for deception and fraudulent practices. Since XX/XX/XXXX, we have paid almost $ XXXX on these private loans. We still owe over {$39000.00} on them. My husband works XXXX jobs and I work alongside him to meet these obligations. We feel he has more than paid for his subpar degree and due to Navient 's deception, we are firm in not giving them anymore of our hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX I changed security company XXXX XXXX XXXX that I had used since XXXX to XXXX XXXX XXXX because they offered a better plan for less money. I called XXXX after XXXX XXXX XXXX had installed the new system on XXXX XXXX to cancel my account with them and told them I was using another company. I had automatic bill pay with XXXX so I cancelled that with my bank because I no longer had their system. They still tried to put the payment for the next month through but my bank declined it because I had cancelled the automatic payment. XXXX then sent me a bill so I called them and was told I couldn Cancel because I was still under contract. I told them I still had my contract which was for XXXX yrs.and that ended in XXXX. They still billed me and added late fees which brought it to XXXX I refused to pay it so they turned it over to a collection agency and the collection agency put it on my credit report. I have disputed this charge but they refuse to take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: I am summiting this complaint for the reason that Freedom Mortgage has not giving me a decision. I summited an appeal since XX/XX/2016 and I have called many times Freedom Mortgage for an update and they just keep telling me that they are waiting on a ( Tittle search ). I am afraid I wo n't be provided a government modification do to them prolonging my case. I had to challenge them with my appeal because they were not using all my income and also the expenses they had were wrong. I am in desperate need of assistance, I need to know what Freedom Mortgage intentions are, if they are really helping me so I can keep my house with an affordable mortgage payment. Due to my house is severely under water. Or if they are purposely prolonging my case because at the end of this year all government modifications will be over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I got a call from I.Q Data International Inc on XX/XX/XXXX, they said I owe {$640.00} against XXXX XXXX XXXX. Since I never lived in any apartment with name XXXX XXXX XXXX I told them they are contacting the wrong person. 

I got a call again on XX/XX/XXXX and the representative stated that I owe money, else they will damage my credit. To understand the issue better I requested the representative to provide me with full details of debt and send me the details of debt with verification. She insisted I pay immediately with my credit card now or else she would damage my credit. When I mentioned I would pay only after verifying that I owe money and would not be sharing my credit card details to someone on phone to abuse. She mentioned that there is protection on your credit card and started to threaten me again saying " I am giving you one last chance, if you pay now we will not report it and damage your credit ''. To which I responded, I would not do that without validating my debt and hanged up the call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Managing the loan or lease

Complaint: I have purchased a 2009 XXXX in XXXX 2011 for XXXX financed it with Santander Consumer. Since paying on this car I have paid XXXX dollars and still XXXX, XXXX they are continually adding late fees, as well as a XXXX fee for every time you make a payment on-line. They have put close to nothing towards the principle of this car, it has al gone to Interest. I feel this is a predatory lender, this car should be down to at least half of that XXXX with all of the payments I have made to this point. they continue to add fees and take the full payment and put towards interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Debt collection (I do not know) with Credit Corp Solutions Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls non-stop. Call work which can get me in trouble. Calls friends and relatives also with out any regard. Calls under many numbers with many names. Never leaves messages or any details. Possible fraud or scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian has not updated or correctly updated XXXX of my credit card accounts. At issue is the failure of Experian to list the proper account number for these XXXX credit card account. In addition, in the reply to my dispute, XXXX of the credit unions that issue me a credit card is now erroneously identified by Experian as a medical facility ( XXXX treatment facility ). 
I should note at this time that although the account numbers associated with these XXXX credit cards are not correct, I do not dispute the accuracy of the payment history or balance history of these cards. That information is correct. In fact, I have a very high credit score. 
Why inaccurate account numbers matter : Regulations require financial institutions and government agencies verify our identity prior to conducting business with us. Erroneous information in credit bureau files result in failed identity verifications. 
1. My XXXX Bank credit card is identified by Experian, using a number that I do not recognize, nor does this erroneous number appear anywhere on my XXXX account or statement. I have requested that Experian list the XXXX digit XXXX credit card number for this account, the same way XXXX does. 
2. My XXXX Credit Card is now miss-identified as a " medical account '' ( XXXX treatment facility ) .This latest error is a result of the Experian " investigation '' of my original dispute. This is a credit union visa credit card account, not a medical related account. My original dispute issue also has not been corrected. That issue is that Experian is listing my XXXX digit credit union member ID number, instead of the XXXX digit XXXX credit card number that would accurately identify the account that they are actually reporting on. 
3. My XXXX XXXX XXXX XXXX Credit card is misidentified by Experian by using my XXXX digit credit union id number instead of the XXXX digit XXXX Credit card number that actually identifies the credit card they are reporting on. 
This issue was brought to my attention by a failed attempt by the Social Security Administration to confirm my identity by having me enter a XXXX digit major credit card number. Social Security uses Experian to verify identify, even though ( in my case ) Experian does not associate XXXX digit XXXX account numbers with the XXXX cards that it reports on.

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 04/14/2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (MN).
Issue: Making/receiving payments, sending money

Complaint: I have ebill and auto pay set up through USBank for my gap credit card. I have selected the option to pay the entire balance upon receipt of the bill. I noticed that two payments were made in a row for {$25.00}. I thought this was strange and investigated. In both cases they paid only the minimum payment and not the full balance as was requested. I incurred interest fees due to this. When I called USBank they confirmed that despite the settings that they offered me, I selected and they confirmed, that the option to pay the entire balance did not really exist for this vendor. This is completely false advertising and while it did not cause my major financial strain, it could result in large interest fees for other consumers. if this is a known issue, US Bank should be required to make their previous customers whole and STOP promoting this service until they can technically execute on it.

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 04/15/2017 about Consumer Loan (Vehicle loan) with CarMax, Inc. (TN).
Issue: Problems when you are unable to pay

Complaint: I did a little research on repossession of vehicle ( automobile ) and came to the conclusion that there was NEVER a loan ... but an extension of my credit for the purchase of the automobile. Carmax took me to court and was awarded the automobiles back. General sessions court had NO jurisdiction because the amount was well over {$25000.00} dollars at that time I made the judge aware and she said she did. And identity theft. .fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Comment : WELLS FARGO N.A, WFHM, & XXXX XXXX TRUSTEE SOLUTION IS IN VIOLATION OF NOTICE OF TRUSTEE SALE OF MY ( XXXX XXXX ) PROPERTY LOCATED AT : XXXX XXXX XXXX. XXXX XXXX, CA XXXX. 
NOT RECEIVING PROMISSED LOAN MOD DOCUMENTSSERVICER REFUSE TWICE TO ACCEPT MY PAYMENTS DEFECTIVE PAPERS ARE RECORDED WITH XXXX COUNTY, LOST THEIR TRUSTEE RIGHTS TO XXXX BANK ( TRUSTEE OF XXXX ), CHANGED NAME OF THE ADDRESSS & SUBSTITUTION TRUSTEE NOT FILED CORRECTLY, NO RECORD WITH STATE OF CALIFORNIA SUBSTITUTION TRUSTEE. NON DISCLOSURE OF DOCUMENTS & VIOLATION IE :. 1-XXXX XXXX BALANCE SHEET 2-XXXX 3-XXXX REGISTRATION STATEMENT 4-XXXX PROSPECTIVE 5-XXXX & XXXX XXXX SCHEDULE XXXX FULL ACCOUNTING & VERIFY STATUS OF AN " UNCONSCIIONABLE CONTRACT '' .7- VIOLATION OF DUAL TRACKING -I WAS IN LOAN MODE WHEN WFHM SEND LETTER OF -NOTICE OF TRUSTEE SALE, NO DENIEL LETTER / APPEAL LETTER /RIGHTS OF THE TRUSTOR / BORROWER WAS SEND. 8-VIOLATION OF THE SECURITY FIRST RULE ,9-WRONGFUL FORECLOSURE 10-VIOLATION OF THE XXXX FDCPA,11-VIOLATION UNDER B & P CODE 17200 ET SEQ :., NO RESPOSE TO MY NOTICES, OBJECTIONS AND DEMAND LETTERS DATED XXXX & XXXX 12-THERE IS NO DELINQUENCY OR DEFAULT -LENDER HAS BEEN PAID IN FULL 13-JUDICIAL PROCEEDING IN WHICH ALL PARTIES ARE INCLUDED WILL PROVIDE FAIR DETERMINATION OF THE RIGHTS, OBLIGATION AND TITLE TO THE PROPERTY, MORTGAGE AND NOTE.TITLE AGENT SAME AS TRUSTEE HAS INSURANCE FOR ERROR AND OMISSION THAT ISSUED THE POLICY WILL HAVE TOTAL LIABILITY FOR THIS FRADULANT TRANSACTION.13-VIOLATION OF CCC XXXX, XXXX XXXX, HBR, XXXX & XXXX .TO AVOID LITIGATION SOLUTION FOR THE PROBLEM IS THAT I WAS APPROVED HAMP AND PAID {$1800.00} FOR 9 MONTHS IN GOOD FAITH, I LIKE TO HAVE THE SAME DEAL, SO ME & MY FAMILY BE A GOOD CUSTOMER OF THE WFHM AND IN SUCH WAY BOTH PARTIES WILL AVOID EXPENSIVE LITIGATION AND ALSO MY LAWYERS AND CONSULAR GAVE ME THE ADVICE THAT RE ENTERY DEPT. XXXX XXXX XXXX IS NOT COOPERATING AND VERY RUDE IN HIS DECISION AND HE IS NOT GOOD FOR BOTH PARTIES. I HOPE AND REQUEST THAT WE SHOULD GET SOME REASONABLE PERSON WHO CAN UNDER STAND BOTH PARTIES AS CASE MANAGER IN THE RE- ENTERY DEPT : .I XXXX XXXX & FAMILY SUBMITTED ALL LOAN DOCUMENTS AND REQUESTED TO CANCEL / RESEND /POSTPOND SALE DATE. I HOPE YOU WILL UNDER STAND BOTH PARTIES POSITION AND INVESTIGATE THE MATTER, WHICH IS BEST FOR BOTH THE PARTIES. 
THANK YOU. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Trouble during payment process

Complaint: To Whom  It May  Concern, For th e 2nd  year in a row, Nationstar Mortgage has paid for Flood Insurance on a property unnecessarily. T he Flood Insurance  is paid for by my HOA and I have produced the necessary documentation, multiple times, to  Nationstar p roving that the policy was paid. Regardless, they paid for a new policy -- not just once, but, twice -- at the cost of {$430.00} each time!! I was able to get a refund from the insurance company for the  2nd p ayment of {$430.00}, however, they are not willing to refund the first payment. Nor should they have to. The fault for this resides completely w ith Nationstar and they have admitted that I should  be refunded my money and then later refused to do it. At this point, keeping my money is equal to theft. They made the same mistake last year, and after I filed a claim with the BBB, they eventually refunded me my money. How they can make the same mistake again this year and not give me back my money is unbelievable.     *  XXXX / XXXX / XXXX  -- proof of Flood Insurance on the property was provide d to Nationstar ( fa x confirmation is attached to this complaint ) *  XXXX   XXXX  -- the proof of flood insurance was provided again to Nationstar * From  XXXX  &  XXXX  -- MANY MANY conversations with the customer service group, the escrow group, insurance people, etc.   *  XXXX / XXXX / XXXX , a representative began emailing me.   *  XXXX / XXXX / XXXX  -- I was told that a refund ( for {$430.00} ) was being requested and would be paid by  Nationstar to m e.   *  XXXX / XXXX / XXXX  -- I was told the refund was denied. I was told this only after I inquired because I had received, another, erroneous escrow statement and I still had n't seen the promised refund.     I need help forcing this large company to STOP STEALING FROM ME.     I am beyond aggravated and would like to see this company prosecuted for criminal theft.     I appreciate any help you can provide.     Sincerely,

Company response to consumer: Closed with explanation