milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WY).
Issue: Loan modification,collection,foreclosure

Complaint: Our current services is Green Tree, LLC. Although they have not established who has given them this right of service, we have requested documentation on several occasions but have received no relief. Green Tree to date has not produced original documentation as to the owner of our mortgage, no one seems to have the original note as determined by federal law and many states. Green Tree is now going to sell our home, but still has not proven ownership by any entity or organization. Without proof of ownership with original documentation we dispute Green Trees right to sell our home or service any mortgage. We have sent them QWR under RESPA but they responded by saying that the information is propriatary to their company and will not divulge this information. We still have not seen the original note, not a copy, as required to prove that they have permission form any owner or other organization. We do not feel that they have any right to any collection or sale of our home and under the RESPA and the recent FTC settlement, Green Tree is violating our rights. We have filed a complaint before to no avail, you just send it to them and they do the same thing time and again. Please take this under consideration. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Synchrony continues to call me 10xs a day. They are calling for a debt that I paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: APR or interest rate

Complaint: I received a bill from my credit card company in XXXX. I paid the statement balance in full before the XXXX payment due date. On my next statement that I have received, with a payment date of XXXX/XXXX/2016, I am being charged interest on the paid off balance from XXXX. They are telling me that interest was still acrueing (? ) from the XXXX statement closing date until the day I paid it in XXXX - " Residual interest ''. I have other credit cards, and they do n't do that when I pay off the balance. I used a HELOC earlier in the summer to pay off credit card debt, and none of the cards tried to get extra interest money when I paid off the balances. Not sure what has changed in the banking industry that they think they can get away with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-01-2016 about Debt collection (Medical) with ARC Management Group, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX/XXXX/2015 took my daughter to XXXX XXXX XXXX ER. She was seen and discharged. A year later, when trying to refinance my house, I see a collection account from ARC Management Group ( biller for XXXX XXXX ). I called to find out which account the collection was regarding. I was told that my daughter was not covered under my insurance at the time of the ER visit, so I was deemed a " self-pay '' ( meaning I had no insurance ). I assured them I did have insurance and my daughter has had insurance since the day she was born. The hospital submitted and got paid for that claim ( I have documentation to prove payment ), so that further proves my daughter was insured. I call my insurance to verify that there had been no lapse in coverage and they confirm ( I have documentation to prove coverage ). I called ARC back and am told they tried on several occasions to call my insurance company to verify coverage. My insurance company keeps track of any attempts to verify insurance and had no calls from ARC or XXXX XXXX. I have tried numerous times to explain that this was not my fault and that they should have submitted the claim to my insurance. The time to submit a claim has expired since it is over a year. The credit bureaus are not helping me get this removed from my reports. ARC Management group placed me in collections 2 days after the ER visit. They say they attempted to send me notices which I never received. I do n't know where else to turn. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: In XX/XX/2016 I received a mailer from Navient listing options to reduce the payment on my private student loans, including a 0.25 percentage point interest rate reduction for enrolling in automatic payments. I called Navient to confirm that my loans were eligible for the rate reduction. The agent confirmed that they were, so I set up automatic payments. Those payments have successfully processed for three months now. However, my rate and payment have not changed. I contacted Navient today to express my concern and was told my loans are not eligible for the rate reduction. I believe that either the agent today lied to me to meet goals for denying interest rate reductions, or the agent in XXXX lied to me to meet goals for enrolling customers in automatic payments. When I confronted the agent today with this interpretation and asked for identifying information for the agent from XXXX, he disconnected from the chat service we were using to communicate. I would like assistance securing my interest rate reduction and back payments for the reduction I have been entitled to since enrolling in automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: It is over 45 days from my first dispute XXXX XXXX XXXX about the mistakes in my report ( XXXX, XXXX, Equifax XXXX : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account However, I still not receive any physical verification of the original signed consumer contract - any and all accounts Credit Bureaus ( XXXX, XXXX, Equifax XXXX XXXX on a credit report

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received a report from XXXX system where chase reported my account as account abuse. This is inaccurate. My information was stolen and I decided to not use chase anymore. I would like to have this remove from my report. What are the steps needed?

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Debt collection (I do not know) with Harris & Harris, Ltd. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Harris & Harris calls both our home numbers at least twice a day by robot-calls. They do NOT say what company or debt or amount or anything that would help us identify if they have a legitimate claim or purpose. Their phone number zooms past at the front of the call before one can pick up a pencil AND they do not repeat it at the end of the call. Their " caller ID '' number, when one tries to call it back, goes to some sort of electric buzz tone ( fax or hearing-impaired device? ) On the one occasion I managed to get a number down -- I called back to have an automated system place me on HOLD. After XXXX frustrating minutes ... I hung up. 

These have got to be the WORST debt collectors on record! They make it nearly impossible to discern their legitimacy or the debt or the number to call back. When you do call back -- they are not available. And yet ... 

Their robots keep CALLING AND CALLING AND CALLING AND CALLING. Day after day, week after week. It all seems to be done by automated systems that have no judgment, ability to interact or to update or question. 

HOW do we STOP them from filling up our answering machine with their automaton snippet-messages and from tying up our phone lines? When will a human contact us or answer their own lines?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Bank account or service (Checking account) with PNC Bank N.A. (NC).
Issue: Deposits and withdrawals

Complaint: Applying for a mortgage PNC BANK tried to charge me for a simple bank statement. The mortgage company wanted my last 2 months bank statements. They want {$5.00} a statement. {$10.00} total. Threatened them with you- they miraculously waved the fee. Thanks for being thdre

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: My vehicle was repossessed in XXXX XXXX. A settlement offer letter dated XXXX/XXXX/XXXX was mailed to my home earlier this year. This letter offered to settle account with a stated principal balance due of {$7900.00} for 30 % of this amount. The settlement total amounted to {$2300.00}. The letter further stated that there was a 60 day window to accept the offer. Unfortunately at the time I had no knowledge of the settlement offer as I was incarcerated from XXXX XXXX, XXXX until XXXX XXXX, XXXX in the XXXX XXXX XXXX. I contacted Santander and explained this. I also sent them a letter with proof of incarceration to no avail. I would like the opportunity to consider this offer as it was impossible for me to do so initially as I lacked knowledge of the offers existence.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I contacted Transunion in writing regarding incorrect names, addresses, and inquiries showing on my credit report on  XXXX   XXXX ,   XXXX   I contacted Transunion in writing on  XXXX   XXXX ,   XXXX   regarding the same issue and their failure to respond appropriately.   I contacted Transunion in writing on  XXXX   XXXX ,   XXXX   regarding the same issue and their failure to respond at all to my correspondence sent on  XXXX   XXXX ,   XXXX  .   I contacted Transunion in writing on  XXXX   XXXX ,   XXXX   regarding the same issue and have yet to receive a response.   Finally, I contacted Transunion in writing  XXXX   XXXX ,   XXXX   regarding duplicates of these inquiries showing up with current dates that are unauthorized by me and have yet to receive a response and all of the incorrect information is continuing to report 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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Common wealth financial @ XXXX XXXX XXXX XXXX XXXX, PA XXXX, phone number ( XXXX ) XXXX. 
has called me several times and hangs up on me when I ask them to send me a copy of the contract signed where the account belongs to me, and they refuse to send it to me and to remove the negative file even though I have requested a dispute from XXXX, they consistently and illegally Harrass me on my cell phone and try to collect a debt that does not believe my to me. Please contact me for any questions. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Mortgage (VA mortgage) with LENDER LIVE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I bought our first home in XXXX 2014, we refinance in XXXX 2014 with a company named United Security Financial Corp. they gabe us a monthly payment to which they supposed to have all the correct information of the principal, interest, taxes and insurance. After more than a year with them we received a letter from them saying that we owe them more than XXXX dlls because the taxes were more than we paid in the scrow ammount. Now they have transfer our loan to another mortgage, but they increased our monthly payment more than XXXX dlls in order to pay the difference of what they pay for oir taxes and insurance. We have a budget for all our expensives and now with this mo thly payment they want us to pay it is just so bad for our finances right now. They should 've done the right tax search since the beginning so we will be alert of the increase. When i call them they told me that it is our problem and we are responsible for paying for it even though they made the mistake for not having the correct ammount for our taxes. I do n't know what to do now with this increase of my monthly payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: APR or interest rate

Complaint: I was offered a credit card product that would serve as an overdraft protection option for my checking account. The program was offered at an introductory rate of 2.9 % and after the initial 6 month period would increase to the typical rate of 12.24 %. Instead of increasing to 12.24 % it went to 19.49 %. To summarize the impact what I ended up being charged was {$2200.00} in interest vs. {$1500.00}. So at the end of the day I 'm legitimately liable for the {$1500.00} and this is what I agreed to pay Chase. What makes this scenario worse is that I did n't realize they were only taking out the monthly minimum when I had more than enough cash in the account to cover the full balance. While it 's my fault for not noticing this fact earlier I could have paid far less than the {$1500.00}. I have since paid of all the principal balance on the account plus the {$1500.00} in interest. I have asked Chase on numerous occasions to credit my account for the remaining balance as a gesture of good will and to bring the overall annualized interest down to a reasonable 12.24 %. Even though I have filed a formal dispute with Chase they are now dinging my credit report. Despite my 20+ year history with Chase as a " valued '' customer the insist they are unable to credit my account for the overcharged interest. I will soon be closing my accounts with Chase in exchange for a local bank who truly values their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Credit card) with CITIBANK, N.A. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Dates from which the debs run are dates the third party collection agency purchased the debts and NOT the dates the debts became delinquent. when I contacted them they would only say " no comment ''. These erroneous dates are nearly TWO years after the original delinquencies occurred. The original creditors refused to negotiate terms for payment with me. 

The collections agency is XXXX XXXX XXXX on XXXX debts, XXXX from " XXXX ''. and XXXX from " Citibank '' on both XXXX and 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 monetary relief
Consumer complaint received 01/16/2018 about Debt collection (Credit card debt) with Security Credit Services, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was contacted in XXXX XXXX by XXXX XXXX XXXX, a collection company contracted by Security Credit Services , LLC to collect on a debt of {$1600.00} that originated from a fraudulent line of credit at XXXX XXXX. This line of credit was the result of identity theft that took place on XXXX XXXX, XXXX. 

I faxed a copy of the police report and a personal statement saying that the debt is fraudulent to XXXX XXXX XXXX on XXXX XXXX, XXXX. After I sent the fax I followed up by phone to XXXX XXXX XXXX who told me the debt had been marked as fraud and there was no further action needed on my part. 

On XXXX XXXX, XXXX, Security Credit Services , LLC reported the collections account to XXXX and XXXX and is now on my most recent credit reports. 

At no time has anyone from Security Credit Services , LLC tried to contact me. I 've attempted to contact Security Credit Services , LLC by phone and email and have not gotten a response as of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit card () with SYNCHRONY FINANCIAL (AL).
Issue: Closing/Cancelling account

Complaint: I need to have old account of jcp removed. I gave since obtain new account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Late fee

Complaint: I was late making a payment one month on my JCPenney credit card. I was charged a late fee of {$34.00}. I made the payment due a couple days after the due date, and then made the next regularly scheduled payment on time. I was again charged a late fee, however, because rather than add the late fee to the total balance, Synchrony Bank added the late fee to the minimum payment due, in effect doubling or tripling the minimum payment amount that is usually due. I contacted JCP and talked to a rep or XXXX on the phone for over an hour. I said I could not pay the late fee on top of the min payment due and they should add it to the total balance. Instead, I was charged another late fee, despite making the payment on time. I ended up getting disconnected after over an hour of waiting on the phone with them. This is unfair. I made one late payment in years and was charged XXXX late fees, despite making only one late payment. The late fee should not be demanded along with the minimum payment due. I did get the late fees refunded to me, however, the practice of adding the late fee to the min payment due is what I am disputing. It took over an hour of my time to resolve an issue that should have never occurred.

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 08/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Billing disputes

Complaint: My Capital One credit card account ending in XXXX went to collection around XX/XX/XXXX. Account got closed and I started getting call from a collection agency named XXXX ( XXXX ) around XXXX XXXX and XXXX told me that my capital one account was closed and had gone to collection and now XXXX was handling the account. I made the payment to XXXX for total balance and believed it to be all resolved. I also received a letter from XXXX stating that I had made full payment on my capital one account. Fast forward in XX/XX/XXXX, I did my credit score check and found Capital One balance of {$60.00} lingering on my credit report for many months. I disputed the amount but got no result from CRA or Capital One. Now, when I call XXXX, they would not even take my call and instead refer me to Capital One. When I call Capital One, they say XXXX already closed my case. Due to this erroneous reporting of {$60.00} balance occurring for many months, my ability to obtain credit fairly was restricted. I had no choice but to call Capital One and pay the {$60.00} to prevent further damage to my credit. However, I still believe that by unfairly reporting {$60.00} in my CRA reports, I was forced to pay the amount. Furthermore, it damaged my credit reputation. I request CFPB to ask Capital One to look into this matter in detail and correct their mistake, and remove erroneous reporting from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XXXX XXXX I tried to obtain a copy of my free credit report from Equifax. They said that online delivery was unavailable and gave me instructions to request my report by mail. I mailed the proper paperwork on XXXX XXXX through certified mail. It has been more than 30 days and I have not received any response from Equifax. Previously I have tried to add a fraud alert as well and have received no response regarding that either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: After several attempts of trying to dispute old and inaccurate addresses that are still on my credit report that needs to be removed that is still reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2015 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed debts I have that are reported to Equifax as they were opened XX/XX/XXXX and according to NH Statutes there is a three year statute of limitations on collecting debt. When I filled out the dispute there were no choices for this situation but I marked off the closest " incorrect amount '' and then left a detailed comment explaining the statute and that the debts have been on the account for 5 years. Equifax investigated but instead sent it to the collection agency as a dispute about the amount on the bill, instead of what I had written in the explanation section and it came back as denied. Now the collection agency appears to have changed the date on " collection opened '' to XX/XX/XXXX on the credit report to try and restart the statute of limitations.

Company response to consumer: Closed with explanation