milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Have not been able to access my account info for several months with little to no help from Seneca mortgage servicing co. I can not access the account via the web or through phone calls which is next to impossible to get someone to talk to you over the phone the system is set up so you can not get hold of an actual human to get any information they are combative with you over the phone and after the first filed complaint there response was to send legal documents ( copies ) of what their rights are to collecting mortgage payments and foreclosing on loans none of this is at issue and wo n't fix the problem with no access to the web site for customers this is an on going. issue with several customers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Student loan (Private student loan) with NELNET, INC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Re : Over payment on refinancing On XXXX XXXX, 2017 I refinanced my student loans with XXXX and they paid Nelnet {$69000.00}. This is an over payment of {$930.00} of the last principal balance from XXXX XXXX, 2017. I called today and was told that the over payment went towards the loan I still currently house with them. Upon adding the numbers that was applied to that laon the total is {$530.00} a difference of {$400.00}. Now, I understand there was 6 days between the last principle amount date ( of my last payment ) and XX/XX/XXXX to when XXXX paid you for the loans and during that time interest had accrued however I know that {$400.00} of interest had not accrued during 6 days. So where has the missing money gone? and it makes me wonder if anyone else has had this happen to them and have not known about it. It also makes me wonder how accurate all the other books are if they cant tell me where a missing {$400.00} has gone.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have review your comments and I did not authorization nor give permissible to run my credit report without my permissible, therefore I wish to have the inquire ( s ) deleted/remove.

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 03/22/2017 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Other

Complaint: So Master Card Barclays Luxury card was being offered to XXXX military personnel with 0 % interest and no annual fees for as long as you were XXXX. After having the card over a year they decided to send out letters saying that they will now be instituting an annual fee starting the end of XXXX 2018. Now I know its a good deal but are they allowed to change the contract after they have already promoted and offered the initial contract. Should n't that be a grandfathered in situation due to the fact they lied about the card to get you to sign up then change the rules using a loop hole.

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 01/20/2016 about Mortgage (Other mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan with HSBC Bank. The bank began processing the loan on XXXX XXXX, XXXX. In XXXX, an appraisal was conducted and because I was requesting a coop refinance, the coop questionnaire was completed by the coop in XXXX which delineates all the circumstances of the coop. XXXX XXXX I was issued a commitment. However, XXXX XXXX, XXXX HSBC rescinded the commitment stating the loan was declined because of the coop flip taxes. My complaint with the bank is the length of time it took the mortgage to process, almost 5 ( five ) months. But more importantly, the bank had the information in XXXX XXXX regarding the coop flip taxes as well as other essential information regarding the coop. If HSBC felt the coop did not qualify for the loan. I SHOULD HAVE BEEN DECLIENED IN XXXX OF XXXX not 3 months after the COMMITMENT was issued!!!! In that time the interest rates have increased as well as I could have went to another bank that would have accepted my coop flip taxes. I feel HSBC was egregious and grossly negligent in the time it took to process the mortgage, and I am angry that a commitment was issued and HSBC will not honor it!!! HSBC did not handle my loan professionally and I feel HSBC is a large bank and they do not care about the average consumer. I hope there is some recourse federally. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: PRA has failed to notify the credit reporting agencies of multiple disputes that I have filed with them, in addition to other violations of FCRA. 
Though I have filed disputes with Portfolio Recovery Associates directly and also via XXXX, they have failed to notify the credit reporting agencies of my dispute in violation of FCRA 623 ( a ) ( 3 ) but have continued to pull my credit monthly and report updates monthly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I had filed a complaint months ago. I thought we were working toward a solution. everything was going along fine until early XXXX 2015. I received a call from the person at Ocwen who 'd been assisting us. She told me I had to pay {$4500.00} dollars to satisfy the investors. Problem was I had to call her the next day which I did but she was not available due to a XXXX in Texas. She 'd also given me the name of another contact which I tried to contact as well but he was n't available either. I waited for some XXXX to return my call but it never happened. I eventually made a payment ( a week or so later ) not knowing exactly what to do. I made XXXX payment for the " normal '' monthly payment. It was declined. Since then I have made several attempts to come to some sort of resolve to no avail. Over the past XXXX I have received calls from Ocwen once telling me I have to pay them {$7000.00}. The following week they said I have to pay them {$20000.00}. They are no longer taking payments and I fear I will lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Reliant Capital Solutions, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I graduated from XXXX University with a debt of approximately XXXX Dollars. When they first contacted me I tried to negotiate a payment agreement with Reliant Capital Solutions that would allow me payoff the debt and not be at risk of being homeless. I am not wealthy and have a very modest salary and I am a single parent. They refuse the amount that I was able to pay. They are now calling my place of employment and are being aggressive and harassing my colleagues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX XXXX, XXXX, in XXXX Illinois is trying to collect on a debt that was under MIDLAND FUNDING LLC or MIDLAND CREDIT MANAGEMENT LLC This debtor was notified that I had filed for bankruptcy by my attorney I have tried to contact XXXX XXXX XXXX but always get disconnected and have now been served with a summons They are trying to sue for a debt that has been discharged by BANKRUPTCY MIDLAND FUNDING LLC was informed of my bankruptcy by my attorney and / or representative

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (Mortgage debt) with Ditech Financial LLC (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Ditech Financial LLC Was asked to provide the  ORIGINAL  signed Note giving them the right to collect. They continue to send a letter of service agreement. We are receiving notices from several entities on the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Credit Limit was {$400.00} and the amount they are trying to collect is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Credit card debt) with Weinberg Mediation Group LLC (IA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I got a call awhile back from this company stating they would file a law suit against me if I did n't pay. When I started to question them the lady became irritated and said forget it we will see you in court and hung up on me. This was several months ago ... .Now today they have calld my father, how they got his number, but left him a voicemail stating that they made several attempts to contact me and if i did n't comply they would take action. So, I called them and tried to get more information. The lady stated it was the attorney calling me trying to settle a debt and if i ca n't they will file a lawsuit. I asked the lady who the original debt was and said services credit union and it was for a credit card that I had with a XXXX dollar limit that I opened in XXXX of XXXX. I told her that I had never had this type of card that I have only ever had a XXXX XXXX and I am in regular contact with them. Then she asked if I ever went to college and I told her yes, she said Oh, I bet that was the card and asked me if I had a credit card in college and I told her no. She said yes ya did. I told her that I went to college in XX/XX/XXXXso even if I did this would not be because of this. She said you did have this card and you even made a payment of XXXX. I told her that I do n't work and was n't working full time back when she says this was opened and there was no way I would have ever been in a position to make that large of a payment with XXXX kids and my other bills. I asked them to not call my father again and she got mad and told me they would go to court and then I would be thrown in jail then she hung up on me. I had a friend call back to see if we could get the website and they refused to give that information and hung up on him.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Our firm represents a borrower in default on an FHA mortgage, currently under contract with a purchase price that meets the investor 's required net. Ditech denied the short sale because ( 1 ) the property is not owner occupied ; true, and ( 2 ) Ditech states the borrower has a credit score of XXXX or above. The borrower disagrees, has researched her credit score, and it falls below XXXX, therefore making the denial invalid and the short sale should have been approved. 

A written request was submitted to Ditech by the homeowner ( as instructed ) on XXXX XXXX, 2016. The following was requested in dispute of the denial : ( 1 ) The type of credit scoring module used, ( 2 ) The date of the credit report, ( 3 ) A full copy of the credit report, upon which the sale was denied. 

As of yesterday, Ditech has not provided any of the information to the borrower, and it remains " under review ''. Ditech has had this under review for over 60 days with no time frame for review to be complete. This has taken too long and the homeowner is in risk of foreclosure. Please contact our office should you have any questions : XXXX XXXX ( XXXX ) XXXX, e-mail : XXXXXXXXXXXX. Office hours are XXXX from XXXX until XXXX. Thank you in advance for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went to buy a car at XXXX XXXX about 8 days ago. Now I have purchased several cars in my past and after my report gets pulled several lenders look at the report but it only gets pulled XXXX. Well I check my report extensively and they did XXXX hard inquiries on my credit. The last time I went to XXXX XXXX XXXX 6 months ago to buy my last car it got pulled XXXX time only but I got several offers. This is beyond unacceptable as this now hurts my credit for 2 years plus. This can not be right to do to someone as they just kept repeated to pull my credit???

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 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: I am submitting documentation from XXXX credit reporting agency about a problem I am having with XXXX credit reporting and transunion credit reporting agency. I have 2 XXXX XXXX credit cards one account is reporting as a negative account with a late payment ( which is incorrect ). Ive disputed this wrong information with all 3 credit reporting agencies. XXXX has confirmed after there investigation that these accounts were never paid late. But transunion and XXXX  are still reporting it as a late payment. They are also reporting that my XXXX account has late payment which is wrong also. Transunion and experian should have received the same results as these accounts were never paid late. They refuse to correct my credit report. It is affecting my credit score with this false information.

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 03-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Rewards

Complaint: I opened AMEX premier reward gold credit card using the promotion code sent specifically to me. The mail contained XXXX or XXXX pages of document explaining all the great benefits/offers and highlighted XXXX bonus points as welcome bonus. I applied for this credit card mainly for that welcome bonus. AMEX approved it and I completed the requirement for the bonus offer. But AMEX did n't honor this because I have had this product previously. I claimed that AMEX never should have sent me this offer if that was the rule and they were completely silent on that. This is completely a marketing scam and luring customer with all the great promotions they will never honor. I 'm not talking about the general fliers or internet ad which targets anybody. This promotion and advertisement specifically targeted me in a mail with my name on it. They already knew I 'm not qualified for the promotion but AMEX lured me to open the credit card. I do n't expect this bad business from such a big company like AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt just showed up on my report, I believe back in XXXX 2015, I never heard of this company before, until now, I believe I am not responsible for this debt. I summited complaints with the credit bureau 's and have got no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Checking or savings account (Checking account) with CIBC Bancorp USA Inc. (TN).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XX/XX/2018 CIBC USA, XXXX XXXX, IL called me to notify me that my 2 corporate accounts were being closed because of an incoming wire the day ( {$3000.00} ) before from a U.S.-based cryptocurrency exchange, Coinbase. They said that they don't allow transactions with cryptocurrency exchanges and that for that reason they needed to close the accounts. There was no discussion, just a 60 second phone call that we were done with their bank and that they were sending a check overnight. This has created a problem for us because we can not deposit the check and we need the money. It can take weeks to open this kind of account and we needed the money now, not one month from now. This was incredibly disruptive to my business and it would seem unjust to me given all the facts and circumstances. Can you help in some way?

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 02-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Solomon and Solomon, P.C. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I can not afford to pay such a large amount. I do n't recall the details of this debt. A more reasonable amount and better explanation of the details of this debt would help me to understand and/or pay 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 01-09-2016 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work with Fifth Third Bank for over 1 year now and still they are not processing my paperwork correctly. I have had to contact the President of the bank on several occasions and until I have done that I have not been able to get any response. I started trying to get a modification to my mortgage in XXXX of 2014 and used an agency by the name of XXXX XXXX XXXX in XXXX, PA and Fifth Third Bank did not respond to them. However I was told by the bank representative that they do n't work with third party agencies. During the last modification process which was in XXXX I was told by the representative of the bank that I needed to forward all income and that was done, however all of my income was not used and therefore they denied my modification for several reasons. The first reason is that they said my illness was not a legitimate illness for me to have lost my job and secondly that my income did not fit the proper amount, third that my credit report from the credit agencies was not favorable in order for them to do this. I forwarded another letter to the bank 's representatives and explained the situation and was contact by XXXX XXXX XXXX who advised me to forward the remaining documents for financials and that was done in XXXX. At that time I was told by her that I would have to continue the process all over again even though it was handled poorly and improperly by the bank. I told her that I should have to do this, but am forced to do this anyway if I want the modification to go through. I have not contact the XXXX in XXXX in order to get additional help in trying to resolve this situation. Fifth Third Bank has tried to foreclose on my home twice this year. One resulted in them having to recend the judgement because it was noted that they filed prematurely. Second is now when they are trying to start the foreclosure process again using some incorrect and outdated information forwarded to this week. I have forwarded the information down to the XXXX so that we will be able to work together to straighten out this information. In the copies of the documents that the bank forwarded to me this week, they state incorrect information and therefore they are seeking a judgement on the pretence of the wrong information. I have been struggling with Fifth Third Bank for far too long with respect to this issue. It takes the 6 months or so to respond to people who want to obtain modifications and I have documents to substantiate this claim and by the time the respond, you are in the foreclosure process which they seek late fees and damages which they would otherwise not get if they would do things properly. I have hundreds of documents that ca n't be attached to this online complaint and, this is not the entire problem but it is enough to help us get started. Please have someone contact me soon as I do not have much time. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Student loan (Private student loan) with GREAT LAKES (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX XXXX, enrolled in XXXX XXXX for XXXX XXXX, moved around and attended other campuses ( XXXX, WA ) then back to XXXX, AZ. Graduated XXXX. Enrolled in the XXXX XXXX XXXX through XXXX XXXX, relocated to XXXX, OH where I completed my course in XXXX XXXX. Started the Masters program with the same school and same lender XXXX Great Lakes Borrowers ). School shut down in XXXX ending my schooling. Filed a " School closure and loan discharge ''. Great Lakes Borrowers sent me a letter stating that my loans are discharged and I no longer need to pay on them ( XXXX, XXXX XXXX ). Great Lakes Borrowers informed me that only a portion of my loans ( around {$3200.00} is discharged ) but not the whole thing. In the letter, it does not specify that {$3200.00} amount but " Great Lakes XXXX XXXX XXXX will cancel the remaining balance on this portion of the student loan ''. Which all of my loans are through XXXX XXXX and no other institution. Also, contacted another " agency '' about my loan, they informed me that as of current, all loans processed from XXXX XXXX to current are discharged and Great Lakes Borrowers is in violation of that action. 

I want this loan discharge enforced, removed from collection by Great Lakes Borrowers and my credit reports to reflect that removal of debt. I have tried on many occasions to deal with Great Lakes Borrowers which denied this letter was on file with them though I have faxed and emailed it many times. 

Great Lakes ID : XXXX

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