milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am set-up with Ditech with their automatic biweekly payment option offered through their website, and all payments are current, have been timely made in total monthly amounts that exceed my static mortgage payment obligation that does not change as I do not impound and have a fixed interest rate. I can provide documentation upon request of my recent statements and payment history. Despite their own payment history showing me as current, Ditech has issued me a billing statement on XXXX/XXXX/2016 indicating erroneous past due amount and a {$83.00} charge for " late fee. '' When I called their customer service number, at XXXX and spoke with representative " XXXX '' in South Dakota, I was told that many people are having this problem as a result of a new computer billing software Ditech just started using that is not properly accounting for payments and is charging late fees even though payments are current. She confirmed that my account is current and has not ever been delinquent and that she would remove the erroneous late fee. Although I was informed they would rectify their error today by crediting the erroneous late charge, I was told that this may continue to happen again next month, but just to call back again next if/when their computer software charges an erroneous late charge, if I want to be credited for future erroneous late charges as a result of their flawed new computer software. I inquired as to what Ditech intends to do about erroneous late charges billed to other customers due to their " new software issue '' that do not complain / call to request credits and was led to believe that Ditech did not have any plans to take any pro-active action to rectify the situation and properly credit accounts that are current. Nor, was any time frame provided as to when their new computer software issue would be fixed so as to not charge erroneous late fees. I was not satisfied with this response, or the lack of operational control concerning non-functioning new billing/payment software. Furthermore, the representative asserted to me that this was " not Ditech 's fault '' that their new payment/billing software program does not function properly, which I found quite preposterous and unacceptable in light of Ditech 's responsibilities as servicer of the mortgage. I am respectfully requesting the CFPB investigate these troubling issues concerning Ditech 's business practices concerning erroneous late fees being billed to non-late borrowers and not being pro-actively reversed as a result of their " new billing software '' issues. Thank you in advance for your time and service.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In the month of XX/XX/2018 I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32pts. I emailed XXXX XXXX right away when I first saw my credit score had dropped.XXXX XXXX and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus TransUnion, XXXX   and I visited XXXX still no one can tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at dose not apply to me. One factor was incorrect they said I have only had credit for 2yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment 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 explanation
Consumer complaint received 02-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: No contract to confirm the debt and verify the legal obligation of the amount owed. This company states a debt that has not been confirmed and needs to be removed from credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/19/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have disputed the same issue, of public record with Equifax XXXX. They have still not deleted the public record from my credit report that is reporting incorrect information. The first time I disputed the information they responded in the allotted time and updated the status, but the information was still incorrect. I then disputed the information again on XXXX/XXXX/2015 they resolved it within the same day and basically said that it was verified, which is literally impossible. I then called and was told, basically that there is nothing that they could do. I informed them of my rights through the FCRA and that I would take action if this information was not deleted from my report, and still they did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was advised by my credit reporting company to get copies of my credit reports. 

I requested 3 reports. It only showed my XXXX  report, but not the other 2 reporting companies. 

I am unable to identify information that is on my report, ( lack of company names and identifiable information ). 

I was unable to get through to Annual Credit Report. 

Unable to speak to a customer service rep. 

Unable to resolve. 

There is no place on their website to request all three to be mailed, only print, the only one was XXXX, NOT Trans Union or XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Billing disputes

Complaint: I have XXXX accounts with AMEX, I sent a payment to the wrong account and called to have it transferred to the right one. AMEX debited the wrong account and never credited the right one so the cash essentially disappeared ( concerning I had to catch this and not them ). The first time I called to fix the problem the result was they credited the right account but again debited the wrong one. So I was double debited in one of the accounts. I have contacted them multiple times and they still have not resolved this issue. I am also concerned with the integrity of their payment system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/20/2017 about Mortgage (VA mortgage) with TIAA, FSB (IN).
Issue: Incorrect information on your report

Complaint: I have told them this is not my account on several occasions. They have not offered to help. It needs to be taken off of my credit reports. It looks like it has been paid or transferred but for some reason it is still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I applied for a  XXXX   XXXX   XXXX  credit card in  XXXX   XXXX ,    2017 ( Ref  #  XXXX  ). I checked my application status online and also over the phone. My application status was " In progress '' for two weeks, until its status changed to  " Cancelled ''. American Express t hen asked for " a letter on original letterhead from your bank confirming your home address, including their title and signature. ''  American Express had  also asked for such a letter during a previous application in  XX/XX/XXXX , at that time I got a letter from the financial institution where I ban k (   XXXX   XXXX   XXXX   )  and I faxed it t o American Express ( fax num ber  XXXX  ).  American Express ac cepted the letter and approved my application.    So this time that American Express asked for the letter again, I faxed in the same letter, but they  kept not accepting the letter. I asked  XXXX   XXXX   XXXX  for an updated letter and faxed it again to   American Express, but they rejected the letter again without providing any reason. I am wondering why a letter that religiously meets all the criteria American Express requested, is being rejected for no reason.
Attached to this complaint there is a copy of the letter American Express sent to me asking for letter from my bank, along with the letter I got from my bank and sent to American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (CA).
Issue: Managing the loan or lease

Complaint: I have been unable to communicate with the company regarding how my payments are being applied to principal and interest. I have not been able to get an updated amortization schedule of my payments, even though I 've contacted them by both phone and email several times. The customer service center has been unable to even tell me how my upcoming payment ( s ) are going to be applied. I 've been told when speaking to the customer service center by phone that there is no department available for me to escalate this to by telephone and that I must email. I have emailed the address they provided four different times and have received no response whatsoever. The company tells me that because I changed my payment date ( allowed one time during the life of the loan ) that they no longer have the ability to amortize my loan and I can only find out how my payments are being utilized ( P & I ) after the payment is processed. The level of this company 's apathy to my requests is unbelievable. I make my full payments, I 'm not concerned about the amount of the payments as I was aware of that when I took the loan ; I am just trying to understand where my money is being applied so that I can better manage and understand when and how much is going to work best for me if I can make an extra or larger payment to help me pay this off sooner. 

The company did send me a transaction history, but this has no future payment schedules showing. This was in response to my request for the amortization schedule. I just find it hard to believe that as a financial company, selling financial products, that they have any kind of inability to see an updated amortization schedule. They have one - they just are not willing to share it - as they know and have calculated how much they can make from the loan they gave me. Please help me get the requested information from them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax leaked my credit report and other personal information ( as reported by their website https : //www.equifaxsecurity2017.com/ ), along with that of 143 million other Americans. It is readily apparent that for such a significant breach to occur, Equifax does not take information security seriously enough. 

Other concerning aspects of this breach include the lack of timely disclosure by Equifax ( over 5 weeks )  and the above website reporting whether consumers were impacted by the leak that appears to yield random responses ( I visited the site several times and got alternating answers each time ). 

I contacted Equifax 's call center with my concerns about the leak and the website and was encouraged to sign up for fraud monitoring. This response does not address the root of the problem, that Equifax does not take my, and other Americans ', personal information and identity protectional seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OK).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Loan Servicing , LLC, by assignment of servicing rights from XXXX XXXX XXXX , XXXX, caused homeowners mortgage loan to be foreclosed on by XXXX XXXX XXXX, XXXX. as Trustee for XXXX XXXX XXXX Loan Trust XXXX. XXXX instructed the homeowners to stop paying their monthly mortgage payments and to apply for a loan modification, which XXXX failed to properly process. XXXX then declined the loan modification, but failed to explain why. XXXX then offered the homeowners to sell their home for a compromised payoff amount ( short sale ). Eventhough the homeowners had a cash buyer, XXXX failed to finalize the documents and thereby blocked the sale of the homeowner 's home. XXXX actions directly led to the related home being foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citi Gold account online and entered a promotion code where I would receive XXXX Thank You points after completing bill payments in two consecutive months. I received verification during the online application process that I was eligible for the bonus. A few days after applying online, in a follow up phone call while speaking to a Citi representative, the person specifically stated I was eligible for the promotion. This lead me to finalize the application and agree to open this premium account. I 've since completed the requirements to receive the bonus and paid monthly fees associated with the account. A follow up phone call with a representative confirmed that the previously stated requirements were met. However, when the promised points were not added to my account, I again placed a call where a representative and his superior denied my eligibility for the reason being that I already had a different existing non-fee account opened. I believe Citibank is behaving on unethical business practices by not fulfilling their end of a business agreement and purposefully and/or negligently misleading customers.

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 10-03-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: Chrysler capital wrongfully repossessed my vehicle on Monday XX/XX/2016 it 's now XX/XX/2016 my car is paid untill XX/XX/XXXX but I have yet to get it back .... i am XXXX they are aware of this so my son is on the loan with me to take care incase something should happen. So all my basis are covered. They said they can not compensate for XXXX or loss of wages due to their error. My XXXX plates are in that vehicle and other sentimental items. No Picasso or anything but priceless to me. And being that I 'm pacific time and they are on central time I have to get things started early to get no where ... I 'm so confused frustrated my health is declining I 'm XXXX and XXXX for all XXXX that I 'm under .... Please help me!!!! They knew i am XXXX they know they are in the wrong and yet they still do n't do anything to help my situation!!! Please contact me at XXXX my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (FHA mortgage) with Supreme Lending (GA).
Issue: Credit decision / Underwriting

Complaint: By a lack of knowledge of Mortgage in Pre Qualification process, I lost my money and affront expensive process to find a new living place for my family members of XXXX. After a Pre Qualification confirmation in XXXX XXXX using all credits reports pulled out, I start the process of a mortgage loan. I signed a Sales buyer agreement in XXXX XXXX. The processor XXXX XXXX review with me all options available for my loan. I request a Conventional Loan, but he reject it because my credit history. I did n't qualify for that one by a law or rule of 3 years. He offer me a great rate on FHA type loan. and he was convinced that I was qualify for that loan. After I start my personal arrangements to leave my current rent agreement and start my furniture investments. From XXXX XXXX I invest in all inspections requirements, appraisal process and paid in cash to all {$880.00}. Also change my insurance cars company to get a discount and join the home insurance quote and sent to the mortgage for closing purposes. Later in XXXX XXXX I got confirmation of the closing date and complete signed all Loan Disclosure forms, FHA forms, home tool kits and also got the Closing cost amount. I starts my personal arrangement 's to get all set for closing cost and date. In XXXX XXXX in my initiative of follow up I got denial letter and confirmation that the loan cant be processed because another rule or law that state I cant be eligible for a FHA loan if I was involve in a Short sale process in the past in a Conventional loan in XXXX XXXX, So I cant qualify for a FHA loan until I complete a punishment time of 3 years. All FHA forms only describe some restrictions for loans on Foreclosures, Defaults and delinquent on Mortgage transactions. There is NO Short Sale restrictions on those forms. If this is a FHA rule or law or if this is a Credit requirements, or a lender criteria I did n't get any of those restrictions advisement during this processing. I should got a Qualification or a better counsel by the Processor or someone in the Lender institution, because they pulled out my credit report from XXXX companies. Where all details come from there. Now I am working to get back my {$2000.00} earnest money, but I still loosing closing cost by a loan never completed, plus a raise of rent by last minute seeking, Storage cost for all new furniture invested, Schools transportation cost and a frustrate family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-07-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Rewards

Complaint: American Express agreement stated that I would receive XXXX membership reward points after XXXX in purchases in 92 days ( three months ). This was a promotional program. I have not received those points. I contacted American Express Customer Service regarding the points not being applied to my account. I have not received a resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Florida law does not allow credit card companies to call more than once a day. These guys keep calling all day long. Here 's today 's log on our phone log - Sat. X/XX/17 Citibank - XXXX ( while everyone is sleeping, no phone message left XXXX Citibank - XXXX ( no phone message left XXXX Citibank - XXXX ( no phone message left ) Citibank - XXXX XXXX no phone message left )

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 10/13/2017 about Debt collection (I do not know) with MERCANTILE ADJUSTMENT BUREAU, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am elderly XXXX years old on a fixed government income and I have told Mercantile Adjustments Office & XXXX XXXX XXXX XXXX XXXX and Headquarters ( Mailing Address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX To stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have a family of XXXX with a XXXX wife. With threats of garishment of my wages and not being able to have my loans put on hold. Navient and XXXX has completely failed me. I can not afford to make payment and take care of a household at this current moment. The stress is so over the top is makes you want to run away. My loans through Navient started as XXXX {$4000.00} loans and now are over XXXX. Thats more than my income. They acall and pretend that they are from law offices or that they are detectives and to call back a XXXX number. They have called my wife 's cell phone several times in a day causing her stress she can not stress due to her XXXX XXXX They just applied the loans to my credit causing harm making us unable to get certainin loans that were needed to help pay bills. I pray that you can help in this situation against this horrible leech of a company. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Medical) with Professional Solutions Collection Agency, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The doctor 's bill was {$460.00} and the debt collection agency is trying to collect {$590.00} because they state that the bill is 120 days late and that adds a XXXX percent charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation