milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have mailed countless letters to this debt buyer/collection agency and they have thus far refused to provide any evidence that this is my debt or that they own this debt. they need to be investigated for their treatment of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Auto) with EXETER FINANCE CORP. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I filed a report of identity theft with Identitytheft.gov and with the XXXX police department. I have repeatedly informed Exeter of the fraud but, hey refuse to investigate and will not take the fraudulent account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage and a home equity loan both payable to Ditech. Every month, I would receive XXXX bills with payment stubs. I would mail XXXX check with both stubs back and payments were allocated correctly. Until this past XXXX when allegedly Ditech got a new system that electronically read checks and stubs. They apparently applied XXXX check to the equity loan making the mortgage appear in arrears. I started to receive collection calls and each time I would explain and receive assurances the payment would be reallocated. That never happened. I have received XXXX calls, XXXX sets of collection letters, XXXX sets of certified letters, instruction on filing for government assistance. In between all this I get letters telling me they 're investigating. 

I 've spoken with several service reps, XXXX supervisors who never return voicemail messages and I 've attempted to reach an executive in Ditech 's headquarters in XXXX PA only to be dropped from their IVR system. I 've attempted to email Ditech at an email address in their statement only to have it bounce back. I 've mailed outlining payment check numbers, amounts, date of issue, date the check cleared and no response. I 've paid every. Bill in full and on time. Ditech have been completely unresponsive and inept.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (NJ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am behind on my private student loans from Sallie Mae, and I believe they are not working in good faith with me to ensure I can pay back the loans. In order to obtain forbearance, I must have my cosigner report every single asset to them, with the possibility that this will actually increase the monthly payments that I already can not afford. Secondly, if I am approved for forbearance, I must pay a {$50.00} fee per loan per month of forbearance that is not in any way applied to my loans or interest accumulated during that forbearance. This is not only unfair and counter-intuitive to the process of forbearance, I believe this is an extortionate practice aimed at discouraging me from using this process and simply accruing late fees and negative marks on my credit. 
There must be something that can be done other than have money I already do not have thrown away on a fee that does nothing to help me save money and maintain my obligation to this loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: While at  XXXX   XXXX   XXXX  applying for a home improvement loan with my son, loan  officer su bmitted our information to equifax credit bureau my sons came back but, mine did not.   Loan  officer states that my report was locked or blocked and there maybe some type of fraud involved. However, I called the equifax company twice and both times two different representatives st ated that there was no lock or block found no evidence of fraud and my credit report was open and clear.     I 'm being denied a loan based impart on erroneous information from equifax and/or  XXXX   XXXX   XXXX  branches in the  XXXX  FL area. I hope you can investigate this issue, it appears that person or perso ns may have comprised one or both  of these companies or they equifax is playing with peoples lives not sure who is at fault either company or both but something is obviously wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: TDBank upgraded their entire banking system over the weekend of XX/XX/XXXX-XX/XX/XXXX, with a promise of access to my account on Monday, XX/XX/XXXX. 
I have not been able to access my checking account since last Friday XX/XX/XXXX. System was  telling me that my username or password was not correct. It was correct. Having Been using it for many years now. 
Earlier this week I tried to contact customer service. Was told that the wait time was 20 minutes. After 1 1/2 hours on hold I hung up. 
On Monday, XX/XX/XXXX, Called my local branch in XXXX, NJ. They told me they were having major problems. Inferred instead that my brouser may be out of date. I told her that I was using an XXXX that was completely up to date. Also that I could not also connect via a Laptop computer. She told me to give it one more day. 
I have tried every day to get access to my account with no success. 
Called support today, XX/XX/XXXX. Recorded message told me that they are still trying to fix their problems following the UPGRADE. Refused even to allow me to connect with customer service. 
Please contact them and push to get them moving to fix their problem. 
What are the rules on not allowing customers to access their bank account? 
Call their customer service XXXX. See what they tell you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Mortgage (Conventional fixed mortgage) with SIERRA PACIFIC MORTGAGE (NC).
Issue: Application, originator, mortgage broker

Complaint: My former fianc, XXXX XXXX, and I applied for a mortgage from Sierra Pacific Mortgage Company XXXX XXXX a California corporation, XXXX ID XXXX. The loan estimate was issued on XX/XX/XXXX16. The loan number we were given was XXXX. The rate was locked and due to expire on XX/XX/XXXX16. I called the mortgage company today and they said that XXXX had asked them to do a different mortgage with just him and that is what they were doing. They refused to give me the appraisal that was part of the loan we were doing together. The loan officer, XXXX XXXX, XXXX XXXX XXXX, wont return my calls. The loan coordinator, XXXX XXXX, said she would call me back and did n't. We own the house together as joint tenants with rights of survivorship. My fianc has no right to put a mortgage on the house without my consent. This mortgage company appears to be doing just that, which is mortgage fraud, according to my attorney. My name is XXXX XXXX and my telephone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Over the last year I have contacted  Collection Bureau of America three different times via US  Mail informing them that this debt was not mine and was a result of my identity theft. I provided them with copies of the police report number and FTC Identity Theft Report number.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Other debt) with RFNA, LP (SC).
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: On XX/XX/XXXX I was issued a summons from XXXX XXXX. I had made a good faith payment of XXXX in XX/XX/XXXX. I had tried to keep communication with them and hoped they would work with me. I live with mom and dad and they have severe health issues and I had another mailing address for them to mail and get in touch but they did not honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing in response to Ditech Financial LLC 's recent initiated foreclosure action against me. 

This is a rather shocking revelation since I am current on all monthly mortgage payments. After conducting an extensive audit of all mortgage payments to Ditech in XXXX, it was revealed that Ditech was overpaid {$2500.00}. Numerous, certified USPS correspondence mail was sent to Ditech detailing the payment history as well as identifying the overpayment. There was no answer by Ditech. On XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX, Ditech was sent Qualified Written Requests in order to conduct an audit of their records. To date, Ditech has not responded, violating their legal obligation under the Real Estate Settlement Procedures Act ( RESPA ). Accordingly, I seek the remedies afforded me under RESPA in the amount of {$2800.00}. 

This is not the only transgression by Ditech. Throughout XXXX & XXXX Ditech has been : Misapplying my mortgage payments to the wrong account. 
Failing to renew my Homeowners Insurance on the property and instead initiating a " forced-place '' policy that only paid the balance on the mortgage and did nothing towards replacement of the dwelling or other personal property destroyed or damaged. Such activity violates state and federal laws, including the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX A recent case against XXXX XXXX XXXX and its mortgage servicing agent, XXXX XXXX XXXX, resulting in a large settlement for the plaintiffs. For reference, this case is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Florida, No XXXX. 
Charging late fees even though I am current on mortgage payments. 
Engaging in coercive collection practices and falsely claiming that certain amounts are due. 
I am in possession of the evidence to prove all of the aforementioned claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: RE : Household Finance HFC is apparently the parent company of XXXX. I have XXXX accounts with XXXX, and they both are in good standing. I came across a situation whereby I was trying to protect XXXX of my credit cards from being charged by a disreputable corporation ( XXXX and XXXX as partners ). I closed the credit card in question and asked for a new card. Without my permission, the corporation contacted HFC and HFC gave my new credit card information to XXXX. As a result of the action taken by HFC, I have been denied the choice/preference of how I wanted to protect myself from this charge by the corporation. As a result of the action of HFC to freely and illegally release my credit card information, which I wanted to keep confidential, I am now being forced to deal with the corporation and their charges in a manner which I find reprehensible, undesirable and a threat to my financial situation. I feel that HFC should be held accountable for their illegal disclosure of my credit card account number and they should suffer the loss, as the corporation I am dealing with has a multitude of complaints about poor and dishonest service and, as a matter of fact, has a complaint pending with the FTC. My credit card information should be MY personal and private information, and NOT something HFC can distribute for use without my permission. I wonder how many more people can now have access to, and enjoy the freedom of use in submitting an unauthorized charged to my credit card. I have filed a dispute with XXXX XXXX over the charge. HFC has obviously resorted to deceptive trade practices, thereby enabling XXXX to fraudulently charge my account. Complaints by consumers about deceptive and fraudulent trade practices run into the hundreds, if not thousands, by XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MRS BPO, LLC (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My Bill From XXXX was under negotiation. The final Bill was not clear and not agreeable. Without any update the Bill was handed over to MRS BPO LLC collection company. I told then to stop calling and wanted to talk to XXXX but they kept calling and harassing me. Now there is a derogatory remark on my credit report and I am being shuttled between XXXX XXXX and MRS BPO LLC for making attempts to amend it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Late fee

Complaint: In XXXX of 2014, I stopped receiving statements/bills from Kohl 's Department store for my Kohl 's charge account and believed the balance ( less than {$300.00}? ) had been paid in full. There was, however, a small balance and Kohl 's continued to issue a {$35.00} late fee on this account each month for 24 months ; the late fees now total over {$840.00}. At no point in this cycle did I ever receive any notice from Kohl 's that there was an issue with this account despite the fact they had our current address on file. This issue came to my attention last month. I 've reached out to Kohl 's in three separate phone calls and have asked that the late fees be removed but have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I called XXXX to file a dispute for multiple hard inquiries placed in my report without my consent. The agent told me that I am not allowed to dispute inquiries even if they are incorrect. These multiple inquiries were made without my consent by me applying for a mortgage online the companies have sent my information to multiple lenders that have pulled my credit report without my knowledge. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 12/20/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I do n't have much information, as I have not been contacted. I was just approached by a neighbor because they called HER and acted like it was a character reference and asked all sorts of questions, including where I work, my phone number, and more. She did not respond, as she 's aware not even I have her number, so I would n't have used her as a reference. The person who called was XXXX and her number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have continuously contacted Navient about our current situation. We are struggling to make payments. We have been putting our bills on credit cards so that we can make the payment to Navient. I called the company and went through the process of telling them all of our debts and payments. They called me a few days ago and told me that my husbands income is n't high enough to get us a lower payment?? WHAT?! You read that right. We do n't make enough money to get us a lower payment. Is there anyway to fight this?

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (GA).
Issue: Application, originator, mortgage broker

Complaint: I contacted my mortgage company in XXXX 2013, M & T Bank, about a making home affordable refinance because I was under water with my mortgage. They took me through a process whereby they led me to believe I would be getting a lower mortgage, meaning they would resolve the fact that I am underwater and reduce my principle. In a nut shell, they told me I was ineligible for the program because of my income and said that they could still refinance my mortgage under the program and that I would not need an appraisal or would not have to pay any closing costs. They worked with me to get all my information and refinanced my mortgage. I thought I was getting a making home affordable refinance whereby my principle would see a reduction down to the market values in my neighborhood and that my payment would in turn be lower, which is what I needed due financial hardship of my mortgage. All in all, I found out when the dust settled and all the paper work was complete that they they did what is called a streamline refinance and that it was not in fact a principle reduction through making home affordable. I was left in the same situation I was in and still am struggling to make the payments. I am now in the situation where I have to either short sale my home or do a deed in leiu of foreclosure because they didn ; t help my situation. What they did was to talk circles around me to lead me to believe that what I was getting was apart of the XXXX XXXX program and all they did was line their own pockets by keeping the same principle so that they didn ; t lose money off of the large mortgage I have. They only reduced my rate, which did not reduce my payment at all. I feel like they cheated me out of the rights to get my underwater mortgage principle reduced and now I am in the same situation with little to no recourse and I want something done to investigate what was done to me and probably hundreds of thousands of more people.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received XXXX " NOTICE OF JUDGMENT '' for XXXX unpaid parking citations in City of XXXX through the law firm named Linebarger Goggan Blair & Sampson, LLC. The letter contains wrongly accusation, scary threats, and stressful. I have never owned any XXXX Vehicles listed in the Citation. I did n't travel to City of XXXX on the Offense Date or Year. I have no clue where these citations came from and why I keep getting these harassment!!! 

My daughter had left many messages at the provided number XXXX but no responses. I 'm a senior person. I ca n't tolerate this wrongful accusation any longer. If I have a XXXX XXXX, my children will seek justice for me through the legal process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Using a debit or ATM card

Complaint: All joint accounts with EX-spouse were requested closed at Bank of America. We had to request and sign together at local branch in NH. The joint checking, savings and home equity account were closed. However, BoA says they left open a overdraft protection account associated with the joint checking account that was closed. I did not have an existing overdraft account to my knowledge. I had XXXX in XX/XX/XXXX but it was closed several year later by BoA for late payments. 

Two years later ex-spouse began drawing on overdraft protection account by accessing funds through ATM. Ex-Spouse did not make payments and BoA began collection activities from me. Local branch managers with BoA agreed with me that I was not responsible, but home office would not. I requested proof, my signature, anything showing me as joint owner on this account, and have received nothing. 

I have not had any bank account or credit card from BoA since XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief