milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed an insurance claim to my insurance company for damage. They issued me a check written to me and my mortgage company. I signed the check and sent it overnite express to the mortgage company. They re received the check XXXX/XXXX/2016 they never said what other information they would need. The only way I found out anything was by calling to make sure they received the check and asked how long before they would be sending me they money. That is when I was informed about all the different documents they needed before they would issue me any money. Mind you the documents they needed were not anything I was familiar with so I had to keep calling them to make sure I was sending the correct items. Every time I called I had to go through customer service and give my account number my name the property address and last XXXX of my social and my home phone and cell phone number before I could ask any questions. Each time I was connected to a different person. I was told so many different answers. 
Each person would tell me something they needed in addition to the I items I already sent. Other calls I was told they never received the items so I would have to fax the papers again. I faxed over to them 3 times the contractors list. Also 3 times the adjusters itemized list. Also the XXXX. They never once contacted me to say they have not received any of of my faxes. I would only find out when I called. I would be told yes we received it, I would call back in 2 days to see if the check has been released nd would be told no because we still need the contractors list. 
Even though I was told by another individual days prior that they had everything they needed. Each time they received any paperwork from I was told it would take 7-10 business days to review it. In 10 days I will be on the street with my XXXX dogs and my daughter looking for a place to sleep because my insurance will not pay any more housing for me. 
I do not have money for hotel stay for us and our dogs. This entire situation with the mortgage company has made me so ill. I stress all the time. My daughter is XXXX years old and has made her worry that we will not have a place to live when she starts school. My contactor has mentioned passing on my home because he has passed a couple of jobs up because we keep anticipating my job starting. I feel they are using my money for their gain and the employees they have are very incompetent I need my money now. I am the one who pays the insur ance not 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 10/19/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I just sent this letter to mygreatlakes.com, it 's the second time excess payments have n't been made correctly. 

Please apply 100 % of my excess payments to the account with the higher interest rates immediately. 

XXXX/XXXX/2016 - {$85.00} XXXX/XXXX/2016 - {$20.00} XXXX/XXXX/2016 - {$85.00} XXXX/XXXX/2016 - {$85.00} XXXX/XXXX/2016 - {$40.00} According to your repayment rules, there is zero reason for the monthly payment for loan token XXXX to be going up each month. My payments being made in excess should be going towards token XXXX, as outlined in my overall account, and as each payment is made. I choose for 100 % of the excess payment to go towards token XXXX with the higher interest rate, and it NEVER happens correctly. 

Please contact me as soon as you can. This is the second time I 'm contacting you about this problem after I was told it had been resolved over the phone. I will be contacting the CFPB as well with this exact letter for the second time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Once again, I have filed numerous complaints concerning Ocwen and still they have not responded to my direct issues. They have not given me my deed to my condo free and clear and have not reimbursed me for the {$25000.00} they paid my condo association while we were still in litigation and nothing had been settled. Ocwen is still a mortgage collection company that has disrupted many lives not just mine. They need to be stopped and pay for their wrong. They can start with me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Payoff process

Complaint: For the past 2-3 years I have tried to resolve this issue. I have a BoA checking account and credit card. I want to automatically make payments to my credit card from my checking account. You ca n't do it as a transfer - which is a set amount only. So if the minimum amount changes to say {$57.00} and your automatic transfer is {$56.00}, they charge you a {$30.00} ( or more ) late fee. If you try to " cancel '' your automatic transfers ( they call that the " plan '' ) they still show as pending for the next month - so say XX/XX/XXXX is scheduled. You cancel that one and XX/XX/XXXX pops up. Then you cancel XX/XX/XXXX and guess what? The only way to cancel those again is to call and spend an hour on the phone. Basically the " cancel the plan '' feature for transfers does not work. 
Now you can submit a written form ( no joke - you mail it in ) to have recurring charges on your checking account to pay your VISA, but then you have no control. You ca n't change it to be " full amount '', you ca n't see that it 's even setup - it 's a blank charge that appears in your checking account as " FIA Card ''. Frankly after 2-3 years I forgot who FIA was. I certainly did n't think it was associated with BoA. You can call and change it, but that too took an hour. 
The third option is to setup a payee of Bank of America Credit card for " Bill Pay '' - the first step in that process is to receive " electronic billing '' from BoA VISA. That takes XXXX days. I do n't want to get an electronic bill, I prefer paper. They assured me I would get both, but I sure do n't believe that will happen. Regardless - after this electronic payee is recognized in 1-2 days I can then setup a recurring monthly payment to my BoA VISA. They told me that would take 1-2 MONTHS. Again, lots of potential for those lovely late fees in this process as my bill is do in 2 days. Now I could live with all of this and say oh well, but I have reported all of these issues 2-3 times over the past 2 years and nothing was ever done, except sometimes they would refund my duplicate payments ( only going back 3 months of course because they only go back 3 months ). It just seems like a deliberate scam to get late fees, either that or absolutely horrible computer designs in which case they should n't be allowed to practice banking.

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 01-05-2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Problems caused by my funds being low

Complaint: Im so tired of How the bank rearranges my debits and constantly charges over draft fees I spend most of my money back to the bank in hundreds Im on a fixed income and I know if I use my card and money not there I get a {$35.00} fee..However I also go to atm pull mini statements and call almost daily to keep track of my acct ONLY to notice that they rearrange items and Hit me with {$70.00} fees at a shot several times I cant afford this and after yrs of watching this happen I came here to find help. Example My automatic ins pmt came out, it left me minus over {$200.00} they pd it and charged the fee {$35.00} Ok ( it wasnt suppose to be on auto pmt ) so got it Now that was pd on XX/XX/XXXX it was on my auto call when checked acct ..My Deposit came in of {$310.00} and {$22.00} so it covered that pmt and fee but left me still overdrawn over {$200.00} and both were done around same time due to early deposits for holiday Yet although dep was in I was charged {$70.00} My XXXX deposit of {$430.00} came in and Now they changed the dates of actions ( to XX/XX/XXXX ) and I had {$160.00} to the good then bank charged me again {$70.00} and left me minus $ XXXX..This has been happening like forever I need help ... ... also I have been minus at times but went right away to put the money in on the same day but still charged {$35.00} fee It use to be if a dep was made prior to XXXX that same evening, no fees were charged Well not anymore I went to bank to question it.. Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Y name is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I have never applied with Chase Bank and was told I have a home loan, which I live in a XXXX XXXX XXXX Assist'ed Apt I had a student acct with XXXX XXXX XXXX in XXXX, CA on XXXX XXXX I became very XXXX from a XXXX back in XXXX ( not certain exact date 's ) and my account was said to have a Insurance binder that would pay 6 months payments if I ever needed it. 

I had to spend every penny I could scrap up to detox from a bad batch of XXXX I had been prescribed from XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX I even had to let my XXXX XXXX XXXX shut off to afford to shop at Whole Foods Grocery Store in XXXX, CA XXXX XXXX failed to provided the Insurance payments stating I was already injured at the time the credit was granted and therefore did not have to cover me, yet kept promising they would. 

My credit score plummeted drastically. 

It breaks my heart as I have been trying to re-establish myself. This keeps a dark cloud over my head and is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: on XX/XX/XXXX i recive a email from my credit report that my name was reported to the agencies, XXXX, XXXX and XXXX that my account was not paid, on the amount of {$360000.00}, so i receive a letter on the XX/XX/XXXX saying that my insurance pay {$32.00} and my pay off was {$36.00}, on lexus leasing is included and not optional GAP, so on the latter shows that the GAP pay {$360000.00} and my amount due was {$500.00}, which was paid with my XX/XX/XXXX, now for the last 2 weeks i being calling lexus every day to fix, and no one can fix this problem i sent certified mail, fax and spend in numerous hours on the phone try to fix and still not fixed, they ask me to wait 45-60 days to get this solve which its unacceptable,

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX XXXX reported a balance of {$12000.00} to Transunion. To XXXX they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XXXX I recieved a settlement offer that states the balance as {$16000.00}. To Transunion they reported the account as opened with a balance. To XXXX they reported the account as closed with a balance. To XXXX it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and TransUnion and XXXX  allowed, and continue to allow XXXX XXXX to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because TransUnion and XXXX continue to allow XXXX, XXXX to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding XXXX 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information XXXX has been reporting to all three credit bureaus. XXXX now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>XXXX, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).

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 10-02-2017 about Debt collection (Other debt) with EQUIFAX, INC. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Equifax continues to report a lien on credit report. Tax lien has been paid and should be removed case docket XXXX XXXX County

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CHEMICAL FINANCIAL CORPORATION (MI).
Issue: Settlement process and costs

Complaint: I have been trying to get answers, explanations and resolution on my extremely TRID defiant home loan since I closed on XX/XX/2016. I did previously submit a complaint and XXXX XXXX, attorney for Chemical Bank responded to me via email, that although he knows NOTHING about TRID, RESPA/TILA or their rules that regulate mortgages, he believes the bank has done nothing wrong. 
I ca n't find anything right about my loan. There is nothing consistent about anything on either the LE or CD, along with their choosing to ignore forms they had me sign, from a Construction Loan Agreement for the construction rider, to an Affidavit of Occupancy which forced me to live in my home without basic items such as toilets, lights, sinks, faucets, cabinets, counters or a safe electrical system due to their refusal to disburse funds from my construction rider and although the XXXX claims to have dispersed the funds to them. Why would a buyer have to sign one to occupy in 60 days if this was a construction loan from the ground up??? 
Chemical Bank 's emails to me clearly indicate that they will do nothing to right this extremely WRONG situation without outside assistance. I have shown my closing docs to several title companies, lenders and Realtors with decades of experience who 've all said they 've never seen anything like it. Although the LE says I was to bring no money to close, the CD said I had to bring almost {$28000.00}. There is major inconsistency in the interest rates, purchase price, estimated payment vs bank statements, I received the CD the afternoon prior to closing at XXXX the next day. None of the docs show my XXXX % downpayment although the docs clearly state mine to be a conventional loan. I could keep going but am hoping and praying that the CFBP steps in for me just seeing what I 've attached and/or talking with Chemical Bank to personally hear that they are not willing to do anything to correct this. I 've asked them to cancel the " construction portion '' of my loan, which I showed them TRID allows me to do since they have not given me even a penny from it. They refused. I asked if they would convert the " construction loan '' to a " home equity loan '' because the " construction '' is basically complete, thus a " construction loan no longer needed. Again, I was denied. And again, I see the only way for Chemical Bank to comply to TRID regulations and my loan made to be even sane, is to have the CFBP step in. Thanks in advance for any and all help you can give.

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 05/20/2015 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: 1. I asked for a payment history on my loan over 90 days and still have not received it. I have received a couple of letters saying that HFC needs more time. It has been over XXXX days since I made the request. What would take so long to print out my complete payment history. 
2. HFC put my loan back in the bankruptcy department and has turned off my online access to my account. I did n't receive a bill for XX/XX/XXXX. I ca n't view any bills online as I am locked out. I do n't know what my payment is without a bill? 
3. I called on XX/XX/XXXX to make an over the phone payment. I was transferred to the loss mitigation department to XXXX XXXX. No answer as usual so I pressed XXXX. I got a loss mitigation employee that said I needed to speak with the bankruptcy department. I was transferred to another associate and told her that I was trying to make a payment. This associate said okay I will get you to the bankruptcy department. I was transferred to XXXX in the bankrtupcy department. I told her I was trying to make a payment and wanted to know why my account is in the bankruptcy department. I was asked if I recently filed bankruptcy. I said no and she asked if anyone else who lives with me filed bankruptcy. I told her know and she said she needed to review the notes on my account. XXXX told me that there were errors on some payments in XX/XX/XXXX/XX/XX/XXXX and they were being corrected. I asked what payments and why have I received a corrected XXXX. XXXX was unsure and told me that once they complete the audit I would be pushed back to regular servicing. I said I am not receiving bills now and have no online access. I asked why would payments from XXXX years ago need to be corrected now. I asked for a payment history! XXXX has no real reasons. I asked how in the world I make a payment. XXXX said she could take a payment over the phone. I asked what I owed since I do n't have a bill. XXXX just responded with " well what do you want to pay? '' This is such a nightmare I ca n't believe that I am still having to go through this with HFC! I made a payment over the phone and asked when someone would tell me what 's happening and why? XXXX did n't know but gave me the XXXX number to HUD. 
4. Why is my loan is the bankruptcy department? I have been discharged from my bankruptcy since XX/XX/XXXX. Why am I not getting bills? Why is my account access turned off? Why have I received a corrected XXXX? Why have I not received the payment history I asked for over XXXX days ago? 
5. I applied for a loan modification back XX/XX/XXXX and was told my payment history had to be audited back then. It took XXXX year and a compliant to the CFPB to get the modification approval. Now my payments are being adjusted again? What is going on? This is not good business practices. My loan as I assumed is not correct! That is why I am being denied the payment history. HFC is not an honest company!

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was checking my credit score and had seen that there was an unknown debt on my credit score 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 explanation
Consumer complaint received 10/19/2015 about Credit card () with P&L Acquisitions LLC (NC).
Issue: Credit card protection / Debt protection

Complaint: There is a 6.5 year old debt that I have been fighting for a number of years. I have filed fraud documentation with the original creditor, XXXX, and they are working on the process of clearing that now. The debt was taken out when I was under the age of XXXX by whomever took the debt out. Also, the statute of limitations for an open account ( credit card ) is three years in the state of Louisiana. The account was taken out in XX/XX/XXXX, we are currently in the last few months of XX/XX/XXXX. Therefore, the statute of limitations has run on the debt. P & L Acquisitions sent me a litigation notice about the debt. The amount listed in the " Amount Owed '' section is {$2600.00}. The original debt was {$1000.00}. I spoke to XXXX XXXX, manager at P & L Acquisitions, and he was very evasive, refusing to send me a written validation notice of the debt. The account was written off and taken off of my credit report by the original creditor XXXX. It appears the company is attempting to make a profit, illegally. I have contacted my attorney and she informed me of all of my rights under the Fair Debt Collection Practices Act, to which P & L Acquisitions is in violation of. The use of bullying tactics, evasiveness, and illegal practices by P & L Acquisitions is astonishing. I have recorded all conversations from P & L to demonstrate the things mentioned in this complaint. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: child support showed up on my credit report. This was incorrect in the first place because I was on XXXX from XX/XX/XXXX-XX/XX/XXXX so they were not legally able to even go after me for child support at the time. 
Anyway. Eventually they closed the case as paid because they couldn't go after me in the first place, I was never subject to the debt. 
Not only should this not be on my report in the first place, but now it is really really old and still shows. 
it is on XXXX, XXXX ( though XXXX says its from XX/XX/XXXX when I wasn't even born yet. ) and XXXX. 
It is just showing under " closed accounts '' but it reflects badly as it shows I wasn't paying and its very clear what it is for which reflects badly on me personally as well.

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