milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: DITECH mortgage is a scam and ruining people 's lives and credit and they do n't have a care in the world. They process your mortgage payments at least 3 weeks or more after you have sent in a payment which the next payments has late fees because they took forever to process the payment. Asked for a loan modification due to my spouse 's XXXX and now I am in the foreclosure process. Things just dont add up, it takes eternity to speak to a rep and when you do they are rude and will transfer you around various times. They never receive any of your paperwork on time by fax or email. This company is a SCAM, RIP OFF how are they allowed to operate like this. Looking for help and a way out from DITECH.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: On XX/XX/XXXX, my husband and I opted to take out a {$30000.00} Tuition Answer Loan through Navient. I ( XXXX XXXX ) was the primary and my husband ( XXXX XXXX ) was a cosigner on the note. When we took out the loan, we were on the verge of losing our house due to me only being able to work part time while I was attending XXXX school. We have XXXX children and felt that we had not choice but to take out the personal loan but looking back, we didnt realize exactly how bad the 10.75 % interest rate was going to hurt our family. Shortly after graduating with my XXXX XXXX, the total amount due on the loan was over {$60000.00} and my husband and I filed Chapter XXXX bankruptcy. We were told that we could not file bankruptcy against the loan by our attorney. Since XX/XX/XXXX, then my husband and I have been making regular payments of {$470.00} a month on the loan but since the interest rate is so high, we only have the loan paid down to {$37000.00}. I have no problem repaying my debts but I feel that the interest that we have been paying is predatory lending and I am disappointed that our federal government has n't taken control of the problem and helped us get a lower interest rate and given us additional credit towards the principal amount. We are the typical middle class family with two incomes and now our two of our daughters are teenagers who will be starting college next year. We have also not been able to save money for their college education due the the costs of my education. Perhaps what may be even more scary, is the fact that one day my own daughter may be prey to the same predatory lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MD).
Issue: Confusing or missing disclosures

Complaint: On XXXX XXXX, 2017, I got an email from PayPal requesting a copy of my social security card, and my IRS information. I uploaded my XXXX form and a copy of my driver license. However, my XXXX only show the last four digits of my social security number. I thought I would at least get an email from PayPal informing me of the issues before the decided to place a limitation on my account. I contacted the customer service but I could get any answer from them. All I was told to get in a contact with compliance department using the email address from the email sent on XXXX XXXX. I have not received any answer from them and I believe they are imposing on my right. I have not been able to access my money to pay my bills. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This company has inaccurate information on my credit report and I want it off my report. Portfolio Recovery  Associates, LLC se nt me a letter stating that I own {$1.00},  XXXX  on an account that is not mines. I replied to them more rec ently   XXXX   XXXX  , 2017 and stated that the account was n't mines and if they can validate the information by providing a copy of th e original contract bearing my signature. This company has only sent me an itemized bill of a credit card statement. I have asked them for proof for over a year and they have yet to comply. I have sent them a letter stating that according to the FTC that a printout of a bill or itemized document does not constitute verification of a legally binding contractual obligation agreement and is back up By Federal Law according to the Federal Trade Commission and the Fair Credit  Reporting Act 611 ( a ) ( 7 ), 603 ( 0 ) ( 5 ) ( A ) ( I, III ). I am now strongly considering a small claims law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Bank of America has been charging me overdrawn fees for the last 4-5 years for at least 50 times during this period. I have two checking accounts and the same issue I have had with both accounts. You call customer service and they say they are legals fees associated with these accounts. They charge {$35.00} for each transaction and if you do n't fund you account in the next five days they charge you again another {$35.00} for each transaction. I have been a victim from Bank of America for this practice for the last 4-5 year.

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 05/22/2015 about Credit card () with Total Card, Inc. (CT).
Issue: Billing disputes

Complaint: Several items in dispute are not resolved with Total Card inc, numerous complaints have been filed against them and nothing done/resolved. The XXXX ( XXXX ), Attorney General of South Dakota, South Dakota dept of banking, have all unresolved complaints against them. Their rep, XXXX XXXX, claims the findings of their investigation were provided to me which is not true. The last information reported to me is the items were charged back to the companies, according to XXXX in fraud. I have heard nothing since. Again, no findings were reported to me because they were not investigated. XXXX was advised XXXX of the companies, XXXX, did issue credit then recharged the account for the same amounts credited. As for the amounts of XXXX both from XXXX XXXX, XXXX was also advised that product/service was not received for either transaction. She stated all charges would be charged back to the companies, this is the last bit of information I received. I wish to reiterate, I was NOT provided any results of findings as again, they were not investigated beyond the point of charge back. it appears XXXX XXXX response is a carbon copy of her last response to the Attorney General complaint, which is also unresolved. She did not state what supposed findings are, just that they were supposedly communicated to me. She further stated I agreed to close the account, which is true, but did not agree to drop any remaining or pending disputes. It appears Total Card is implying they are no longer required to dispute the items further since the account is now closed, XXXX will be notified of this. The credits she refers to are for another disputed item, XXXX from XXXX at XXXX XXXX. This is an incidental deposit for a hotel stay, there was a disagreement over supposed charges made to the room ( s ). The other credit, XXXX, brought the account to XXXX. Please note, these credits were not accepted as matters resolved for the disputes mentioned previously, they do not cover the total charges in the amount of XXXX. As stated in previous complaints, Total Card does nothing to dispute any charges, just a pointless XXXX way conversation with merchant that goes nowhere. Obviously, I would not dispute items unless I already attempted to resolve them directly with merchant, the first step in a dispute process. Please do not mark this as duplicate, the issues are not addressed or resolved.

Company response to consumer: Closed
Consumer complaint received 07/21/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Struggling to pay mortgage

Complaint: The home is on the market and we have a valid and current offer that is acceptable to the investor or so we have been told by the Ocwen. The Seller is a separated woman who in the separation agreement was awarded the home and the Husband Deeded the property the Wife. The Wife has a Protective Order against the Husband for XXXX. He is no longer on title to the property and is not required by NC State law to sign any paperwork pertaining to the sale of the home. Ocwen is holding up the approval of the short sale indicating that the Husband has to sign the Offer to Purchase and they want him on the HUD1 settlement. We are about to lose the one and only buyer on the house.

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 07/21/2015 about Consumer Loan (Vehicle loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (WV).
Issue: Problems when you are unable to pay

Complaint: We purchased a brand new XXXX in XX/XX/XXXX. I paid extra for an extended warranty that I feel was never properly honored. First the radio went out after a month, the dealership lied over and over we had to take the bike to another dealership to get it fixed at which point I complanied to XXXX XXXX customer satisfaction and they opened up a case. Few months later the bike had a XXXX, we complained about this on XXXX separate occasions to XXXX different dealerships, the mechanics rode the bike and said it was fine. The bike was not fine it still had the XXXX and now the forks are bent. I complained once more to XXXX satisfaction and nothing was ever done and still the bike has the XXXX. I told them I was not making another payment until they honored the warranty I paid extra money for and still nothing was done. XX/XX/XXXX I recieved a letter stating if I did not pay XXXX by XXXX XXXX the bike would be repossessed. Upon purchasing this bike we traded in a bike that they valued at XXXX plus we put down a down payment of XXXX of our own money not to mention all the payments we made up until the situation. Not only are we out {$15000.00} but we are going to loose a bike that has had problem after problem and nothing has ever been done when we traded a perfectly good bike for this one. My dads name is on the line and he recently suffered a XXXX so I 'm not letting him deal with no ore aggravation over this situation we are in. We purchased the bike in XX/XX/XXXX the dealership still has our stock parts even tho we have asked for them numerous of times. I feel that we have been treated unfairly, we work hard everyday and we 're not rich but we do feel that since XX/XX/XXXX we have been treated unfairly and for us to be customers and giving our hard earning money we should be treated fair. XXXX never done anything to help us out with a bike that had problems but we still continued to make our payments so I feel that we deserve a fair solution and not loose everything that we have put a lot of money out for and wo n't be able to get that money back not to mention its gona hurt the credit report involved. In reality it did not have to come to this if they would have just done what needed to be done in the first place. I paid extra money for a warranty that was never properly honored, and we were lied to over and over again, I feel Harley-Davidson Financil Services should have to make this situation right.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (Other mortgage) with 21ST MORTGAGE CORP. (MS).
Issue: Loan modification,collection,foreclosure

Complaint: I am not quite sure why XXXX in 4 months time did not question XXXX Mortgage for information listed on my credit file as them being a creditor of mine. I had my attorney review this credit report from XXXX XXXX XXXX XXXX and that is when he found 21st Mortgage is listed as a creditor on my credit file. I have advised XXXX over XXXX times I did not and do not have a mortgage with any financial institution. Please remove this off of my credit file immediately. I have written to 21st Mortgage and asked these people why would they place themselves as a creditor on my credit file when they know they have not granted me any type of credit for a mortgage or any thing else. I do n't even know how these people obtained my social security number. I have never signed any type of authorization for 21st Mortgage to check my credit for any thing. And XXXX sure did not receive a mortgage from these people. Please remove this off of my credit immediately. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I asked XXXX and Trans Union to investigate some accounts on my credit report over 2 weeks ago. Over 45 days have passed, and they have yet to respond.

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 09-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have multiple student loans with navient, but only 2 of them are showing a negative report on my credit. In XXXX & XXXX of XXXX it is showing no payment has been made, I reached out to the company to inform them that during this time ( also plenty months before and after this time ) my accounts had been in forbearance but I never did receive an official response after numerous attempts to correct the issue. I need these negative items to be removed from my report because they are hurting my payment history and score.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX  i visited  XXXX   XXXX  in  XXXX  Nc. I expressed to salesman i did not want multiple pulling of my report. Well it was pulled a total  of   XXXX   times. Which drastically lowered my credit score ! Reading FCRA it states automobile inqiries within a 14 day period shall count as  1.   XXXX , TransUnion and   XXXX   are all reporting each individual inquiry, which in turn harmed m y credit score. I ha ve already filed complaint against the dealership for going against my wishes. The time between  XXXX   XXXX  to  XXXX   XXXX  my credit was continuosly requested. My complaint is the Credit Bureaus are reporting in error according to the FCRA.

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 01/15/2016 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (NC).
Issue: Settlement process and costs

Complaint: XX/XX/XXXX my wife set up a bi-weekly loan payment plan with what she thought was a department of our lender and with no extra fee 's. XX/XX/XXXX we noticed the payments stopped. I contacted my lender and was advised we had a third party that was paying and to contact them. I found it was a company called " XXXX XXXX XXXX '' and after several attempts, I was finally able to reach someone in that company ( XXXX ) on XXXX/XXXX/XXXX. My wife was unaware that there was a fee in the contract that she signed. The company has since had their bank backing dropped and can no longer provide service to us. I was promised a follow-up in 1-2 business days and patiently waited 5 business days before calling back. I called back and got XXXX who got me in contact with a supervisor named XXXX. She refused to do anything, but advise she will not refund or help in any way. Number XXXX on the contract we signed stated that their half of the agreement is to pay the payments in full until the loan is paid in full. XXXX also advised on the phone they guarantee all payments will be paid in full and on time and this guarantee is not upheld. This agreement and service was not made and essentially we paid over {$360.00} for a service that was in no way upheld. I was advised that your Bureau is leading a lawsuit towards them and am reaching out for assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed a certain judgement that is located on my credit report. XXXX XXXX placed judgement against me that was illegal and was revoked. I have disputed this with the credit bureaus and they continue to come back and say the judgement is valid when it is not. I filed a complaint with the CFPB against this company, and it is fact that this company filed an illegal judgement against me. They even reported back to CFPB, that they have stopped all action and revoked the judgement being that it was illegally done. I filed disputes and they refuse to remove this judgement from my credit report. The case that I filed with the consumer financial protection bureau against this company which is XXXX and that illegal judgement they filed is Case # XXXX. This case they clearly stated that they are revoking the judgement and in fact it was filed wrong and they are not pursuing action. I want this removed from my credit file as well as compensated for them inaccurately investigating this claim.

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 12/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Customer service / Customer relations

Complaint: I was living in XXXX for a few month taking care of my XXXX mother. American Express cancel my membership because it was past due for a few months. I have no access to gmail in XXXX, and was n't made aware of this situation. When I came back to the States, I immediately contacted American Express and offer to pay my annual fees and request them to retro activate my account and give back the XXXX plus points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2016 about Debt collection (Credit card) with Brown Law, PLLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received at call on my cell phone from this company Brown Law and I asked them so send me a validation of debt for the account that they are trying to collect on. I received documentation but not enough to actually do any research to see who the creditor is and what the charges are. I also received a voice mail message on my cell phone which is a number that I have listed with the XXXX. When I asked who they were collecting for, the original company she said possibly XXXX XXXX? Are n't you supposed to know? I need more information in order to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX charge on my account was paid on XXXX/XXXX/2014 but is still open on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Vehicle loan or lease (Loan) with VW Credit (SC).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX, part of XXXX XXXX XXXX, on XXXX XXXX XXXX. I explained that I was in the process of moving from the XXXX area to XXXX XXXX. The salesman, XXXX XXXX, told us that would not be a problem. I took possession of the car, paid the XXXX  sales tax and was promised the dealer 's finance and title department representatives, XXXX XXXX and XXXX XXXX, would process the paperwork. It 's now been three months since the sale. I initially borrowed {$10000.00} which was paid off in full through their financing branch a month after the purchase. ( see attachment ). I 've paid all the applicable XXXX taxes and sent copies of the paid tax receipts to the individuals above. I 'm a XXXX XXXX resident and have sent a copy of my driver 's license for that state to XXXX along with all the other paper work they 've requested. Despite these efforts, I do not have a valid registration for the car nor do I have a title despite the car being paid off in full. The State of XXXX still has no record of my XXXX being registered. I can not register the car and I do not have a title despite paying off the loan if full. The car is not legal to drive since XXXX will not provide temporary tags beyond 60 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: They are reporting collections on my  XXXX  that are not mine. They were previously on my   XXXX   and  XXXX  credit reports they were removed from there because they were not able to be validated, after deletion of those bureaus they placed them on my  XXXX  with out notifying me of that. These collections are not mine.

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 08/19/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: They refuse to refund a misleading product. This needs to be addressed. Equifax is terrible period.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Bankruptcy

Complaint: Chase insists on reporting delinquent payments on my credit reports and my wife 's credit reports 6 years after the Chapter XXXX bankruptcy was discharged. We have requested the information be removed by contacting the reporting bureaus, Chase and now CFPB

Company response to consumer: Closed with explanation