milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: I received a letter from Ditech Financial LLC on approximately  XXXX   XXXX ,  2017 st ating that my mortgage payment due  XX/XX/2017    was not received . ( My mont hly payment was {$1300.00} but increased to {$1300.00} due to an increase in the impound account. ) The letter stated a total amount due of {$89.00} including late fees of {$46.00}. The amount past due was {$43.00}. The letter then stated that I could seek assistance or guidance from HUD a list of approved counseling agencies can be found at HUD.gov.     The letter then stated that I could make a payment online, visi t Ditech online  or call. The letter then stated " This communication is from a debt collector. It is an attempt to collect a debt, and any information obtained will be used for that purpose ''. Very intimidating verbiage.     NOTE : the past due amount of {$43.00} was due to an increase in the monthly payment due to an increase in taxes assessed and being paid through an impound account. The deficiency was simply due to my failure to increase the automatic monthly payment by the increase amount. I simply forgot.     I contacted the company to question the 100 % + late charge and was informed that the charges are based on the whole payment, even thou gh Ditech recei ved and processed {$1300.00} on  XXXX  -17. My   payments are set up for monthly automatic deduction from my checking account. Upon my discovery, this date, I paid via automatic payment  to Ditech the {$4 3.00}, which they will receive tomorrow  (   X/XX/17     ).      The customer service representative took my information and stated that she would have someone return my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I am on the do not call registry for my cell phone. After XXXX XXXX 2015 I should not receive these calls. I have no debts. I have blocked the number but see online that they will just call from another number. The number they called today is ( XXXX ) XXXX. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries on my Equifax report that were not authorized, I believe they are related to the Equifax breech. Equifax refuses to help me or remove these inquires. I have spoken with the companies and they have no record of me having ever done business with them and some claim to have reached out to Equifax to have removed and they have failed to do so. The inquires are as follows. 
- XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX- XXXX XXXX - XXXX XXXX XXXX XXXX I have never done business with any of the above creditors and until they showed up on my report I had never even heard of them and Equifax refuses to help me with this matter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is not allowing consumers to dispute and upload evidence on our behalf proving beyond a reasonable doubt that they are reporting false and inaccurate information on our credit reports. So I am uploading this information for you to submit on my behalf. I have proven beyond a reasonable doubt that all information is true and correct. They like  XXXX  and   XXXX   are committing fraud by not allowing consumers to upload evidence proving accurate. It is a scam to try and get money out of the consumers. They are abusing and in direct violation of anti-trust laws, according to the FTC.

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 04/19/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my mortgage and there are additional cost added to my bill that BSI financial want explain what they are. I was told that my attorney would explain it to 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
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Struggling to pay mortgage

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby filing a complaint on the denial of loan modification because your company failed to evaluate this borrower for all los  s mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 (  c ) ( 1 ) ( i ).
The lender has refused to review this clients file for loss mitigation options due to the package being received on  XX/XX/XXXX 2017 with a sale date of  XX/XX/XXXX 2017 - This is more than 7 days prior to the sale date and being that the lender services more than 5 thousand loans they are required to review this file.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (I do not know) with Premier Recovery Group (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received multiple ( wrong number ) calls from this company. They are requesting to speak to a family member whom I have very limited contact with. This morning a voicemail was left regarding this individual and also saying that they were going to contact the employer of this person. I returned their phone call to tell them that they had the writ number and also to notify them that the practice of calling someone 's employer after a phone call is illegal. The representative became irate, yelled at me, and hung up as I told them that I would be filing a report.

Company response to consumer: Closed
Consumer complaint received 02/25/2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX Re : Original Account No. : XXXX Original Creditor : Great Plains XXXX 
Reference Number : XXXX XXXX XXXX XXXX has threatening me with criminal charges if I do not immediately pay on this debt. They have called multiple family members from unknown and blocked numbers stating that I have " serious legal matter '' and to contact them immediately. When I returned the phone call I was told that they would be filing criminal charges for check fraud, up to 2 years in jail. They have also represented themselves as process servers and employees of XXXX XXXX where I live. They asked for a debit card number over the phone and no options for a more secure form of payment or guarantee that I am paying a debt they actually hold in their office that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX sold my mortgage to Caliber right when we were almost done with it. my home was set for auction XXXX XXXX caliber took it over XXXX XXXX XXXX had requested a postponement but it did n't go thru before the change, no one at caliber could help me, since i was n't in their system yet. I was in a state of sheer panic. i was going to lose my home because i was n't in the system???? I called everyone, i talked to supervisors, managers at caliber to no avail. i finally called XXXX who had done everything right for me. i finally got the foreclosure attorneys contact from XXXX. i called them, they had chases request but since caliber now held it they needed it from them. i begged, pleaded and threatened a law suit. nothing. the friday before the sale i did n't know if i was losing my home or what was happening. i had been contacting Caliber daily, same results, nothing. in desperation i called the foreclosure attorneys again. the girl i had spoken with preciously had put a postponement request in new date XXXX XXXX, XXXX XXXX weeks from today. Finally on XXXX XXXX Caliber had my information. I spoke with a lady explained for the XXXX time my situation. she walked me thru to where the loan modification papers were on their website they needed to have them within XXXX days of the sale. Wednesday, XXXX XXXX 2015 I emailed the documents, I requested they request a postponement so we could take care of this, and I requested receipt of documents, not surprisingly, i received nothing. i had explained that i am currently without a phone and need email communication. On Friday XXXX XXXX I again requested affirmation of receipt of documents, again nothing. This week I have sent thru their website XXXX times for help. I have heard nothing and my home is set for sale in XXXX weeks. I am XXXX and not in great health and my husband is XXXX from a XXXX. My grandkids also love here with me. i ca n't pack everything up and find out it was for naught ( much less the confusion to my husband and grandkids ) at this point I have no idea what to do. HELP ME PLEASE PLEASE right now i can only be contacted via email, but my phone should be back on soon that number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (I do not know) with Earm LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a call from XXXX stating they are sending legal papers to my home over a debt, they called my work also. I called them back and they have a lot of information of mine, they told me I received a payday loan from MAC Development. I have never heard of this company and have never received anything from them. I told them to deliver the legal papers. The debt is {$390.00}. This is not mine. I received multiple calls and again they called my work. How can they try to get me to pay money for something I do not owe. PLEASE HELP!

Company response to consumer: Untimely response
Consumer complaint received 03/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am submitting a complaint with NEW information regarding XXXX liens that are showing on my TransUnion credit report. I did not know the source of their information on the liens and due to this TransUnion violated the Fair Credit Reporting Act. IN ADDITION, I have attached Court Records signed by the Clerk of the Court, stamped that XXXX liens are " PAID, SATISFIED AND ORDERED CANCELLED FROM RECORD '' from the XXXX Department of Revenue. I have submitted the same court documents affirming this to TransUnion and they have refused to remove the liens, despite court order.

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 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a XXXX from XXXX XXXX, in Florida, on XXXX XXXX XXXX. I informed them I would finance it through XXXX. I specifically called Equifax to remove a freeze so XXXX could do a credit inquiry. I subsequently noticed 3 credit inquiries, two for XXXX and one for XXXX XXXX. Also, XXXX shows an inquiry for XXXX and one for XXXX XXXX. 

I called XXXX XXXX to inquire as to why there was a credit inquiry from XXXX XXXX when I told them I 'd finance through XXXX. I was promised a return call. I waited a week and tried again. Same result. I submitted a " talk to the GM '' to XXXX XXXX management through their website, which promised a response within a day. No reply. I tried again, no reply. I called again, now in XXXX, and spoke to the finance manager, and she said she could n't help since it was more than 30 days. I requested the issue be brought to the attention of her management and she reluctantly agreed. I still have not heard anything and it has been 6 weeks since that discussion. 

I did not request, nor authorize financing or inquiries from XXXX XXXX and would like that inquiry removed. I also dont fully understand why XXXX needs to do two credit inquiries for 1 sale.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They keep calling me leaving no message I have no collections in debt I have paid off all old claims

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (IN).
Issue: Problem with fraud alerts or security freezes

Complaint: MY  U.S.BANK FLEX P ERKS MASTER CARD IS NOT REPORTING ON  XXXX . THE BANK IS PERMITTING  XXXX  TO BLOCK ME IN VIOLATION OF THE DODD-FRANK ACT.     THE BANK HAS 15 DAYS TO RE-INSERT ALL ACCOUNT BACK INTO   XXXX    DATABASE OR BE SUED IN CLASS ACTION EFFORTS.      SHOLD U.S. BANK FAILES MU ST CEASE AND DESIST ALL CREDIT REPORTING.     DISCHARGE ALL DEBT BY  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 06/26/2015 about Debt collection (Auto) with Firstsource Advantage, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: First Source Advantage, XXXX XXXX XXXX XXXX, XXXX NY XXXXXXXXNumerous repeat calls to my place of business and cell phone. When I called to inquire about the letter received, I was offered a debt settlement amount but it was a one time offer with a unrealistic date basically 10 days or if not I would be held responsible for the full amount with further legal action. The original debt holder " Charged Off '' this account and I was told verbally by the original debt holder that the monthly payments I was making are volunteer on my behalf. Therefore I stopped making them a few months ago and now I 'm dealing again with another collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Hi, I am a chase checking customer. When I was opening my account, I remember the the agent telling me that if my account goes into negative, I will have until XXXX EST to deposit the required amount to avoid any overdraft fees. So I transferred the amount online by XXXX CST. But still they charged me overdraft for 2 transactions, totaling about {$68.00}. When I called them, they bluntly told me that for online transfers its XXXX CSTand for CASH deposits its XXXX XXXX CST and refuse to return the money back. I am afraid due to this insufficient fees, I might be charged another overdraft fees of XXXX $ as few transactions are pending in my account. Is there any way I can get the fees back??

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/28/2016 about Student loan (Federal student loan servicing) with ACS Education Services (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: ACS has been reporting late status on my credit report when said loans were in forbearance. The loans in question have been reported incorrectly for XXXX different periods. The first instance was XX/XX/XXXX through XX/XX/XXXX. The second was reported XX/XX/XXXX through XX/XX/XXXX. The third instance was XX/XX/XXXX through XX/XX/XXXX. The information changes from XXXX credit report to the other. XXXX, XXXX, XXXX all have different information. ACS has been impossible to talk to. I give them my information and they say they do n't service my loans and hang up. One lucky time i was able to get my account number. Than she realized that they do n't service my loans anymore and ended the call. It is not only frustrating that i ca n't talk to someone about my loans, it 's even worst that they can wreck someones credit with no re-course. I feel like I have no rights. If a company can keep reporting negative information they should still service and provide service to the day they no longer can reports such information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Upon being denied from a lender for " too many inquiries '' from XXXX report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian immediately and was being given no relief. I also have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason 1. XXXX XXXX date XX/XX/XXXX 2. XXXX date XX/XX/XXXX 3. XXXX date XX/XX/XXXX 4. XXXX XXXX date XX/XX/XXXX 5. XXXX date XX/XX/XXXX 6. XXXX date XX/XX/XXXX 7. 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 01/19/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX I received a BALANCE DUE NOTICE to renew my home insurance policy ( XXXX to XXXX ) from XXXX XXXX XXXX company.This notice also indicated that Bank of America ( XXXX XXXX, CALIFORNIA ) is responsible for the balance due.On XXXX XXXX XXXX sent me a NOTICE of CANCELLATION of my home insurance policy effective XXXX because the BALANCE DUE AMOUNT billed to Bank of America ( XXXX XXXX XXXX CALIFORNIA ) was not paid. Thereafter a letter was mailed to me from Bank of America INSURANCE DEPT. ( XXXX XXXX, TEXAS ), dated XXXX XXXX, it stated that my home insurance policy coverage has expired and they do not have an evidence that I obtained a new coverage. I was instructed to immediately provide evidence of a new home insurance policy coverage or they will pay for the new coverage which will be more expensive for me. I contacted the Bank of America INSURANCE DEPT. ( XXXX XXXX, TEXAS ) and informed the representative ( XXXX ) that my ESCROW ACCOUNT with Bank of America ( XXXX XXXX, CALIFORNIA ) is responsible for my home insurance policy payment. The following is the representative 's response to me : ( 1 ) I am no longer with Bank of America ( XXXX XXXX, CALIFORNIA ). ( 2 ) My account was transferred to Bank of America ( XXXX, FLORIDA ). ( 3 ) My monthly mortgage payment is low so I should be able to afford paying for my home insurance policy coverage.I question the representative why I did not received a notification of this transfer.He apologized and strongly insisted that I pay and obtain the new home insurance policy. I objected. Afterwards, Bank of America INSURANCE DEPT. ( XXXX XXXX, TEXAS ) sent me a SECOND and FINAL NOTICE, dated XXXX XXXX, notifying me to obtain the new home insurance policy coverage or they will provide it at an expensive cost to me.And they did. A Bank of America INSURANCE DEPT. ( XXXX, TEXAS ) letter.dated XXXX, that I received notified me that they have acquired the new home insurance policy coverage including the proof of coverage and how much more I have to pay them. According to Bank of America INSURANCE DEPT. ( XXXX. XXXX, TEXAS ) my account was transferred from Bank of America XXXX XXXX, CALIFORNIA to Bank of America XXXX, FLORIDA. However, I received a letter from Bank of America XXXX XXXX, CALIFORNIA, dated XXXX XXXX, informing me that my ESCROW ACCOUNT payment will increase, hence, my monthly mortgage payment also, effective XXXX XXXX ( from {$1200.00} to {$1500.00} ) .They also provided a copy of the SUMMARY of my XXXX ESCROW PAYMENTS and REIMBURSEMENTS which confirm that they paid the ANNUAL PREMIUM AMOUNT to RENEW MY HOME INSURANCE POLICY COVERAGE on XXXX at the amount of {$1400.00}. I do not really know who to believe and what to do now. I am a senior citizen and an XXXX veteran. PLEASE HELP!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HUNTINGTON NATIONAL BANK, THE (TX).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I purchased a new vehicle XXXX XXXX, 2017. I advised the salesperson that I wanted to finance my vehicle with XXXX XXXX. The dealership ran my credit through several different financial institutions without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon checking my credit report, all 3 major bureaus Hunter Warfield is listed in collections. I have never had any accounts or dealing with this company. I did not sign any contracts with this company. I requested that they validate the account in which they are attempting to collect the debt and they have not done so. I requested this on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a copy of a lease for XXXX/XXXX/XXXX that expired XXXX/XXXX/XXXX. I am being billed for rent in which I did not reside at the location/residence. This company states that I owe them and they are demanding that I pay this amount. They are insisting that this is my debt. However, it is not. They refuse to remove this information off my credit report, as it is wrong. Each month this company reports to the three credit bureaus raising the alleged amount of debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation