milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am currently in the process of refinancing my mortgage with  XXXX   XXXX . My goal it to use this opportunity to pay-off a second mortgage on this property from Ditech. Since,   XXXX   XXXX   XXXX   I have requested that  Ditech  provide a Copy of my Note that I can present to  XXXX   XXXX  as part of the process. Ditech promised to have this to me within  3-5  days. I have called them and emailed them multiple times to follow up on this request and I still do not have this document as of   XXXX   XXXX   XXXX       The original loan was back in  XXXX  from  XXXX  and has transferred multiple times over the years  (   Greentree, Ditech ).      If  Ditech  can not produce the Note, do I legally owe them the balance if they do not have a copy of the agreement?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I received a credit monitoring alert that a new address was added to my Equifax credit report. When I checked my credit report, Equifax is showing an incorrect address of :  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX . That is NOT my address. I demand that this incorrect address is removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX   XXXX  fraudulently enrolled me. said that i might be eligible for scholarship when the rep knew it was for working students. I was rushed through the lending process when I should 've gotten financial aid. I was in default of the loan, so I had a lien on my taxes refund.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: In XX/XX/XXXX XXXX/XXXXN in credit company complaints me, because I have not paid, the amount is {$1300.00}, and close my XXXX XXXX CARD account, and in XX/XX/XXXX updated complaints, I am XX/XX/XXXX through XXXX repaid the {$1300.00} telephone customer service, the use of XXXX XXXX debit CARD, bank have been generated to make records, and payment is successful, but I have not received any receipt, and credit report has not updated, or reality I outstanding arrears. 
Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX STORE CARD, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
Now I have paid the arrears, but they did not update the complaint, nor did they give me the receipt.My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about 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 non-monetary relief
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is my second time reaching out to XXXX, XXXX, Trans Union to request a investigation on the following account. XXXX I am not requesting XXXX to validate the information that is reporting. I was a Victim of Identity theft I have provide the police report and FTC regarding this account. After contacting the first Collection that was reporting the account XXXX XXXX XXXX XXXX this company sold the account to XXXX XXXX XXXX. After I requested the company to remove this account due the fraud. I am requesting XXXX to BLOCK the reporting of this account from being reported and resold by debt buyers.

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 08/16/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Several weeks ago I sent a request to have an alledged debt validated that is appearing on my credit reoorts. I have made several attempts for proof of debt but I have recieved nothing in written. I do believe ProCollect Inc is inaccurately reporting on my credit report and they are stalling. Here is the last response I have recieved on XX/XX/2017 '' The debt is updated as a disputed debt. The proof of debt has been sent to the consumer to validate the debt. ProCollect is licensed to collect in the State of Texas. The consumer can contact our office at toll free XXXX my extension is XXXX ( XXXX XXXX ) to get this matter resolved Thank you for your time and patience in this matter. '' I have yet to recieve another in writing. This is not the 1st time I have asked for proof of debt. By law this company is breaking several laws according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Debt collection (Federal student loan debt) with Performant Financial Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I DENY I owe XXXX XXXX XXXX for this alleged debt. Please see attachment that explains my position. My response to XXXX XXXX XXXX was sent Registered Mail on XX/XX/2018.

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 08/17/2017 about Debt collection (Other debt) with ERC (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After sending repeated correspondences to a creditor called ERC to have my account removed from their database, which is being reported to all 3 credit bureaus as a collection, which is no avail. I have repeated sent letter after letter to have them address this matter only to have the say that I owe them. I have asked for valid proof that I owe them, which I also asked for a valid signature with validating this alleged debt. I have exhausted all my options other than go to small claims court.It is my hope that CFPB could assist me in resolving this matter in quick and decisive response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: I routinely pay my myBestBuy credit card through Citibank in full. Occasionally, I try to make payments in advance of the next billing cycle. This is the only credit card I have ever had that refuses to let me do so, telling me that I 'm not allowed to make any more payments at this time. The ability to send a payment is literally blocked. I just was just charged interest on purchases on XX/XX/XXXX, despite not having financed anything, as far I can tell. It is suspicious that the system keeps clients from making payments. I ca n't even tell if I am going to be subject to finance charges. I want this charge refunded.

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 10-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion has XXXX credit inquiries on my acct. Most were related to when I purchased a car last yr and should be treated as XXXX inquiry.

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 09/22/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (IN).
Issue: Struggling to pay mortgage

Complaint: XXXX - This is my previous complaint filed on XX/XX/XXXX. As ofXX/XX/XXXX the company responded saying they needed more time to research my original complaint. Three days later I get a letter from Ditech and I suppose this is their solution. Enter into another trial modification before a loan modification or face foreclosure. This does n't address the issue. I have a document from Ditech stating the payment arrangements that were agreed upon following my recent XXXX. These tactics only further my bad feelings for this company. They ca n't be trusted. All this does is add more interest to the mortgage and they continue to milk money out of their customers. I 'm thoroughly frustrated that a consumer can be treated this way and the company get away with it. I 've had nothing but issues for the past 10 years from Ditech ( former known as Greentree and XXXX XXXX ). I now have until XX/XX/XXXX to decide whether I accept the trial modification or face foreclosure. This will be before the allowed 15 days that the company has to respond. So if I want to keep my home, I 'm left with no choice but to comply and keep paying this company their milk money. I thought these tactics were addressed years ago but apparently they can still get away with it. I hope this can serve as a warning to other individuals about this company and help others avoid this nightmare we 've been dealing with.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have tried on several occasions to repair my credit and to clear up the matters at hand, but they keep reappearing. I have disbuted the allegations on several occasions. The company keeps selling my credit files which is against the law. Some the things that were there I have already paid. But they still reappear. It does sound like to me I need to take these people to court. Also the medical bills that are there have already been paid by XXXX or should have been. Please help me clear up this matter before I have to hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Debt collection (Auto) with VW Credit (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I had an auto loan with VW Credit for our XXXX XXXX mini-van. At the conclusion of that loan I deliberately refused payment on the final XXXX of XXXX payments ( {$840.00} ) of my auto loan because VW would not repair an ignition recall as they could not provide an adequate engineered part. I paid for this repair out of my pocket and sought civil suit against VW for repayment which we settled in XXXX of XXXX. 

While I was attempting to get our ignition repaired I refused to pay the XXXX ( {$840.00} ) of XXXX payments to VW Credit until I was reimbursed for the recall which I paid out-of-pocket. Since I refused to pay, VW Credit sent harassing letters and phone calls insisting I repay the final debt. I was very clear of my reason not to pay the debt was because VW refused to reimburse my out-of-pocket expense for the failed recalled part. VW Credit began calling several of my neighbors on our street advising who they were and that they were attempting to contact me regarding an unpaid debt. VW Credit calls to my neighbors is a practice known in the collection trade as block parties and is intended to create public shame on the consumer, but in reality is legally slanderous and is deemed an unfair practice in violation of the FTC 's Fair Debt Collection Practices Act ( 804 Acquisition of location information ; 805 Communication in connection with debt collection ). I contacted my Missouri XXXX regarding this violation of the FTC Fair Deb Collection Practices Act to which VW Credit responded AND ADMITTED to this illegal block party practice in an XXXX XXXX, XXXX memo. I have a copy of VW Credit 's ( XXXX XXXX 's ) XXXX/XXXX/XXXX response to our Missouri XXXX. VW Credit said in the memo, " VW Credit stopped these practices in XXXX XXXX, we updated our procedures so that we no longer contact neighbors in an attempt to locate a customer ''. Unfortunately our Missouri Attorney General continues to investigate my complaint and has taken an unnecessary amount of time since VW Credit in their XXXX XXXX, XXXX memo clearly admitted to the illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Describe what happened so we can understand the issue ... 
In XXXX 2015, I closed an account with XXXX because service was not available in the area I had recently moved to. Upon terminating the joint contract with XXXX and XXXX, I was told that my final bill was paid in full. In XXXX, I received a notice from XXXX, a debt collection company, notifying me that an account of mine had been placed with them for collection. When I called XXXX to dispute, I was informed my failure to pay had already been reported to credit bureaus. When challenged, the XXXX representatives said there was nothing they could do to reverse this. As of late XXXX, XXXX was cooperating with pending CFPB complaint. As of XXXX, XXXX claimed to have no knowledge of this debt ... at the same time, XXXX XXXX stated they no longer held the account and could not provide any information. On XXXX XXXX, I received another collections notice from Stellar Recovery. The repeated dodging of my complaints and shuffling of my account is making this issue next to impossible to solve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 just obtain copy of my credit report and found there are unauthorized inquiry on all three of my credit reports. I have learned there was security breach and according to the credit bureau website my information was affected. I have disputed the inquiry with the bureau and was advised that inquiries are a factual record and that all information has been verified and accurate. No proof was sent showing how this information was verified.

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 08/27/2016 about Debt collection (Medical) with Amsher Collection Services, Inc. (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Every debt collection agency that has reported me as owing a medical debt on my credit report has been disputed with the reporting agency. I do not believe I owe any of the medical debt in my credit file and there have been no attempts to verify ANY information about these debts with me in any form of communication. I have always paid my co-payments at the time of any medical treatment and bills sent to me by medical professionals were paid personally or by my health insurance company. I believe that every agency reporting medical debt on my credit file does not take my disputes seriously and reports negative remarks " debt valid, consumer disagrees '' instead of proving I actually owe the debt. To even attempt to access my medical records is a violation of my rights under HIPPA laws because the debt collector is a 3rd party to the original creditor, not privy to my medical records because they are not doctors and do not have my permission to view my medical files which may reveal my medical diagnosis, treatment and prognosis and without that verification they ca n't determine if I even owe this debt. They can either refer this alleged debt back to the original creditor so a licensed medical professional who is allowed to view my medical file and can fully explain the origination of this debt and medical information such as diagnosis and treatment that will help me identify the debt is mine or they need to remove the debt from my credit file and cease to ever attempt to hold it against me. They are in violation of my rights under HIPPA laws and are reporting debt they can not verify. They make no attempts to contact me after several disputes have been filed on my behalf. Every single medical collector in my credit file has done this and almost all of them are beyond the statute of limitations but keep updating as if a payment was made to them! Ive never paid the debt collection agency bc they can not verify the debt. Please make them remove the debt from my credit file and give it back to the original creditor so my rights under HIPPA laws are not violated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Mortgage (Conventional fixed mortgage) with LAND HOME FINANCIAL SERVICES (CA).
Issue: Credit decision / Underwriting

Complaint: On XXXX/XXXX/2015 I refinance and paid-off my mortgage with LandHome Financial. My escrows impounds in amount of {$2500.00} has not been refunded to me. I called LandHome serveral times the past few weeks and was informed the was mailed, but no specifics were given. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification with Owen Loan Servicing LLC to try and modify my home mortgage. Ocwen denied my loan modification twice with false, and misleading, information. 

On XXXX XXXX, 2015, I applied for a loan modification and was incorrectly denied a loan modification. Ocwen denied my loan modification based on the fact I already was granted a past modification two years ago. Ocwen stated I can only apply for XXXX loan modification and I have reached the maximum times I may apply for a HAMP modification. This denial is not true and is an attempt by Ocwen and the Investor to intentionally foreclose on my property. 
Ocwen is not following the HAMP guidelines when evaluating borrowers for loan modifications. 

In XXXX 2015, I applied for a XXXX review for a loan modification. Ocwen again, denied me a loan modification on false and untrue facts. Ocwen stated that I earned an income of {$6000.00}, which is not true. I do n't earn {$6000.00} of income. My income is {$5100.00} a month. Also, Ocwen stated I was current on my mortgage, also not true. I am 90 days behind in my mortgage and need mortgage assistance to save my home. 

Ocwen several times has tried to convince me to sign a Deed in Lieu of Foreclosure and return my property to them. I have numerous times explained to Ocwen I do n't want to give my ownership to Ocwen and I need a affordable loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Your choices are not fully accurate to my situation. Because of a breach I have a credit monitoring service with another company, that reports on things from all XXXX credit bureaus. The reported that a company pulled my credit report, except it was n't with their company it was with Trans Union. They transferred me to Trans Union and there was no way to actually speak with someone so their phone system hung up on me. I tried additional numbers and got hung up on multiple times. I finally reached someone, who was not in the US and he would not tell me where he was. Because of a hearing handicap i have it was impossible to understand him with his accent. He said he would transfer me to the US. Instead I got hung up on. When I tried calling back I got put into the endless cycle of not being able to reach anyone.

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 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, XXXX, XXXX and Innovis. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : XXXX, XXXX, XXXX and Innovis. 

Thank you, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Eagle Accounts Group, Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a old child support case on my credit report from over 10 years ago and it keeps on updating wrong information about this account

Company response to consumer: Closed with explanation