milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2016 about Debt collection (Credit card) with USCB, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have asked them to not call me before XXXX. They also call me during the weekend. I have received several calls for the past week during work hours. It is disruptive to my place of work.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Medical) with NCS, Inc (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt collector " NCS , Inc., dba Noll Collection Service '' made misleading statements to me. First, they stated that medical debt is not discharged in a Chapter XXXX. This statement is false, and can be verified through legal research on your behalf. Second, I asked debt collector for a letter of the terms we discussed before payment. Debt collector tried to solicit, via email, a confession of judgment form. Debt collector tried to pass off a legal document as not legal process, which violates the FCDPA. Third, debt collector tried to increase the cost of the debt by collection on a fee for processing payments online. This attempt to collect debt beyond what was originally stated in the agreement creating the debt, and also violates the FCDPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 08/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Since I graduated in XX/XX/XXXX ( payments due in XX/XX/XXXX ), Naviemt calls about three times a day and does not leave messages. I checked the FASFA website, looked at all of my last and, and they are not due until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I have been trying to get a loan mod for a home equity line of credit that I got before the XX/XX/XXXX crash ... Bank of America had sent me a letter stating they can modify it through a Government Program HEMP since I can not afford my house payment to go from XXXX to XXXX a month. For OVER a YEAR now they have been playing games and have done little to nothing even after I went to the Federal Government and they told me to just go on line and file the necessary paperwork and submit it to Bank of America .... They still continue to play games even after I was told by the Federal Government that if I do n't qualify for the program NO ONE DOES! I am now at the end of my rope and the bank is raising the mortgage on XX/XX/XXXX which is after the Federal programs expire from what I 've been told ... I suppose me and my family will have no choice but to stay and fight when they come to evict us ... A sad epitaph for a former Elected Official and person who has ALWAYS PAID HIS MORTGAGE on time to a bank that was BAILED OUT with XXXX of Our Tax Dollars!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a complaint which was decided in my favor. In that complaint, I requested that Wells Fargo Mortgage not require payment of deferred property tax. Wells Fargo has notified me that they will foreclose on my home if the taxes are not paid by XX/XX/2016. I called CFPB and requested a copy of previous complaint be email to me. Though the email was sent twice no complaint number was 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 06-02-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX reported an expired account on my equifax credit report on XXXX XXXX XXXX. This is an old account from XXXX that is no longer showing on all XXXX of my credit reports as of XXXX of XXXX because the debt has expired. XXXX transferred the loan to XXXX on XXXX XXXX XXXX. 
The debt was already expired and removed when it was transferred to XXXX. This account from XXXX should be immediately removed from my equifax file. I have enclosed documents to support the account in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2017 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Account opening, closing, or management

Complaint: The employee took down all of my information. He signed me up for an account. Then asked me to wait a second left the office and came back with an adverse action letter. He said some banks may be reporting incorrect information and this is why he is denying me an account.

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 12-01-2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (MD).
Issue: Trouble during payment process

Complaint: XXXX has sent me a notice informing me that my loan is " still outstanding for two installments '' and advising me about potential legal proceedings. This claim is patently false. 

I have made ALL PAYMENTS timely and this can be documented in my bill pay records which I have attached. The payment address and account numbers are correct. 

Clearly, this threating letter was sent in error but no one can explain why my payments are not being applied properly. I believe this company is probably deeply incompetent and I believe they should be swiftly disciplined and fined. 

I called the customer service department on XXXX XXXX, 2017 and the individual I spoke with dismissed my concern while saying they had " no idea '' why I received that letter. I am deeply concerned that my valuable credit score will be impacted, or even worse, that this company will erroneously start foreclosure proceeding when every payment has been made on time. 

Please, fine XXXX so they learn they can not treat customers this way.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Consumer Loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (WA).
Issue: Payment to acct not credited

Complaint: I was 29 days late making loan payment. 
i paid XXXX XXXX 2016 before XXXX. They reported to credit agencies I was 30 days late. payment was due XXXX XXXX 2016 paid XXXX XXXX 2016. Springleaf financial

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Auto) with Wilber and Associates, P.C. (IL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a call from a ladys starting she is a attorney representing XXXX XXXX, and that she is needing my Checking/Routing numbers saying that she needs to take money from a checking account. She then started I could continue to make my agree 'd payments of {$50.00} for 3 more months, and that I would have to pay {$100.00} payments after that. She then threatened to take my license, or have it suspended if I did not start making {$100.00} payments. 

They are using illegal practices for collection as started in the Fair Debt Collection Practices Act

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Other debt) with Rent Recovery Solutions (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This " compamy '' Rent Recovery Solutions is trying to collect a debt on an apartment that has gone out of business, I made the necessary agreements with the apartment before i moved to close out my payments because my mother passed away and I had to move out, so they honored my situation. Fast forward and this place is still harassing me trying to get a payment as well as reporting false information on my credit report for a business no longer around

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My account with XXXX was tied to the filing date of my ex-wifes bankruptcy. I disputed the date which was updated however they also changed the date of first delinquency ( re-aged ) from XXXX to XXXX in the process. I spoke with XXXX who confirmed that the date was updated incorrectly and they agreed to put through the correction. After the correction did not post I called Equifax who confirmed that the account was re-aged but the correction was not showing. I then contacted XXXX again and worked with them for several hours including a joint conference call with XXXX and XXXX XXXX XXXX Customer Service department which still did not fix the issue. XXXX confirmed that all the information in their system reflects the XXXX date of first delinquency but it is not updating on my credit report. I was then advised to dispute the account again which i did and XXXX responded by saying the information in their system is correct ( XXXX ) but still lists XXXX on my credit report. At this point XXXX is saying there is nothing else they can do and Equifax 's only suggestion is to keep disputing the account. As the 7 year period on this account has passed and the account has already fallen off of XXXX and XXXX, I want the account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2016 about Mortgage (Other mortgage) with STEWART INFORMATION SERVICES (CO).
Issue: Settlement process and costs

Complaint: First of all I am a widow and XXXX. my daughter came to visit me in XXXX and suggested I come to XXXX to live with her in the winter due to my XXXX. I agreed. I packed up my things but first went to visit her. She showed me a new home she wanted to buy saying it would be closer to her job. The closing took place during my visit and to my surprize she produced a gifting letter and insisted that I sign it. Well i wasnt sure what it was but she insisted again that it was noyhing for me to worry about. Promised her taxman would help avoid taxes and she promised to pay it back. Are you getting where this is going? I signed it. I headed back to XXXX and before I even got off the plane here comes her text messages saying she didnt think it would work out. I said ok but I have to get my money back. Time went by. She did send me {$500.00} and that was it. I did contact the closing company and they were not so nice and said too bad its a done deal.She actually was personal friends with the closing man. It totals to my loss as {$11000.00}. Is there any recourse besides civil court I can take. It was all the money i had and now she has me blocked and no communication at all.I am devistated and broke. Isnt there some sort of elder abuse or misrepresentation orfinancial exploytation in this mess. I cant seem to get any help ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/14/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MA).
Issue: Other transaction issues

Complaint: I MAKE PAYMENT USE MY PAYPAL ACCOUNT, FOR INVESTIGATION SERVICE, I DONT RECEIVE THE SERVICE I PAY FOR .I CONTACT PAYPAL TO COMPLAINT ABOUT IT, PAYPAL REFUSE TO TAKE MY COMPLAINT .I CALL MAY BANK // ALLY BANK, THE OPEN A CLAIM, THEN THE SAY EVERTHING NEED TO GO TRUE PAYPAL .I COMNTACT PAYPAL ABOUT IT .PAYPAL SAY THE REFUND MY ACCOUNT .NOW I DONT NO WHERE IS MY XXXX DOLLARS GO

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2016 about Mortgage (Other mortgage) with PLANET HOME LENDING, LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I manage an XXXX called XXXX at XXXX XXXX. On XXXX/XXXX/2013 the bank, Mortgage Investors Corporation filed an order to foreclose on a property located at XXXX XXXX XXXX in XXXX, NC. They assigned a trustee, XXXX XXXX XXXX, XXXX to handle the foreclosure. Since then the bank has not moved forward with the foreclosure. The homeowners are not paying the XXXX dues and this is causing the XXXX to lose money that is to be used to pay for the maintaining of the units in the community, as well as the property not being taken care of by a homeowner that lives there. This puts the XXXX in a bad financial position and other owners are concerned with their unit values as they are living in a community with a home that is vacant that no one has done anything with in over 2 years.

Company response to consumer: Closed
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Model Finance Company (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/2015 I voluntarily surrendered my vehicle in question to Model Finance, this is the first thing they are showing incorrectly. Second I was never late on a payment. Third they have sold this account to a collection agency XXXX XXXX XXXX so now Model Finance and XXXX XXXX XXXX are showing on my credit reports. I have disputed this several times through the credit bureau 's and called Model Finance on many occasions to no avail. I 'm not saying its not my account, just one needs to be removed or the other reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing statement

Complaint: On or about XXXX XXXX, a representative called me about a charge of XXXX on my account. Captiial One suspected fraud ; this was true. Capital One told me that they would remove the amount from my credit card.Capital One did remove the charge. I wrote them XXXX letters, and they said they would remove the charge. Despite the fact that they said they would remove the charge they are still billing for {$26.00}. I wrote them another letter. They replied to me that they did not understand the nature of the dispute. I can not get through to these people. I have cancelled the card, and I need them to stop billing me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Ditech representing XXXX threaten foreclosure on my home even though I 've made timely payment ever since I signed the Green Tree paperwork back in 2014. I do not answer Ditech telephone calls. I will not answer harassing/threatening phone calls from argumentative Ditech employees that have been trained to harass customers. I will attach Ditech correspondence and my response at your appropriate prompt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: I am writing to inform you of recent fraud that had occurred on my business and personal accounts. On Monday XX/XX/2017 I was called and alerted to fraud on my business account ; at the time there were XXXX charges in question, amounting to roughly {$1000.00}. I had asked the chase fraud agent at the time to cancel this card and XXXX of my other credit cards that were seemingly missing. But somehow the person committing the fraud was still able to rack up an additional {$9000.00} in charges after my business partner and I had canceled the card with them. And additionally made charges on my personal accounts which I had to call back and dispute later. 

The question at hand is how were they able to charge and additional {$9000.00} when the account was told to be closed. Secondly I was advised by the first Chase Bank agent that the money would be back in my account within 12 hours. Earlier this morning when speaking with a supervisor I was told that it may take up to 48 hours. And then later upon speaking with a Manager I was informed it may take up to 10 days. All of which are completely unacceptable as the fraud should have never increased from the original XXXX charges. 

We eventually recieved our money just to have it withdrawn by Chase Bank again two weeks later. when asked the reason for taking the money out they told us " it was do to account activity after the said issue '' .. we explained we still have other cards with different numbers that were not affected by the fraud and that should have no bearing as the card was cancled, not the account. 

I have written multiple emails and may business partner has been calling multiple times without and response or help. By phone we just keep getting told its in legal and that there is no one to talk to. I could maybe understand wanted to still investigate the first 3 charges, but the charges that occurred after we had both spoken to a representative and canceled the card is absolutely ridiculous. How are we responsible for banking negligence? 

I am a XXXX with several business accounts and personal accounts. I am reliant on that money to pay employees, rent and vendors. I know Chase Bank has always been a strong supporter of XXXX banking but their seems to be something seriously wrong with this process. Should I inform my employees that there will be no pay checks this week because someone did n't stop the fraud on time? 

best

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 Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Inaccurate addresses reported never lived here XXXX XXXX XXXX village XXXX NC XXXX Balancing Rock Ct XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX Card # XXXX AXXXX XXXX XXXX # XXXX The information listed has no relation to me I have not entered any agreement with any agency listed. Nor am I connected with theses inaccurate addresses.

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 12-06-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I have had an escrow account with Caliber Home loans and I am disputing the amount. According to the XXXX treasurer office, since my BK 11 confirmation date the servicer had only paid a total of {$8500.00}. My payment for principal and interest if {$790.00}. I made a payment of {$1200.00} on XX/XX/XXXX, which {$400.00} went to past escrow,, I made a payment of {$1200.00} on XX/XX/XXXX which {$400.00} went to past escrow,, Another payment of {$1500.00} was made on XX/XX/XXXX, {$700.00} went to escrow and another payment of {$1500.00} on XX/XX/XXXX, {$700.00} also going to past escrow. 4 payments totaling {$2200.00} should be deducted from escrow. Past due escrow {$8500.00} minus {$2200.00} should be {$6300.00}. 
Caliber sent me a letter stating the following : Please note, as indicated in our XX/XX/XXXX response, the loan was converted back to a non-escrowed loan and the escrow collection is no longer in effect. Since the remaining escrow balance of {$8300.00} was converted to an Ancillary Fee, there is no balance reflecting in your escrow account at this time. Also to note, Caliber received a payment on XX/XX/XXXX which credited {$400.00} towards the Ancillary Fee balance, leaving {$7900.00} as the outstanding Ancillary Fee balance In addition,, I have sent the XXXX payment of {$1200.00} and I paid the XX/XX/XXXX taxes today in the amount of {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (GA).
Issue: Managing the loan or lease

Complaint: Since the inception of my vehicle loan with Ally Financial I have paid over the required monthly payment. Each month I have requested that the amount paid over be applied to my principle balance. It appears that interest is being deducted from the total amount paid and not from the payment due amount. I believe the amount paid over the payment that is due has been misappropriated throughout the duration of my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NJ).
Issue: Trouble during payment process

Complaint: This is the second time I am complaining about this company. The first time my mortgage went into foreclosure. This began in XX/XX/XXXX. My lawyer sat on it for 2 years letting the statue of limitations run out. Then the company filed foreclosure. So my lawyer negotiated a re-fi. This first complaint # XXXX. This case was dismissed with prejudice in the courts. in XX/XX/XXXXIn XXXX XXXX XXXX, they stated I did not pay my mortgage. I sent them proof of payments. This time they have admittedly messed up my escrow account. I was told it was escalated but have received no communications in regards to that. Only communications I receive are calls for payment that they increased due to their escrow error. Every time I call or send emails I get passed around and there is never a resolution. They are damaging my credit and causing me hardship because of the higher rates they are forcing you to pay due to their admitted error.

Numerous times as with my previous issues with them I have demanded they close my escrow account due to their mismanagement of fund yet they continue to ignore me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am enrolled XXXX in college I filed for a XXXX student deferment. When enrolled in classes the ECMC place my loan in default. They now have harass letters and refuse remove loan default status. The ECMC verified I am enrolled XXXX and still harassing me.

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