milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2018 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Incorrect information on your report

Complaint: My home in XXXX XXXX Florida was declared a disaster area after Hurricane Irma. As such I was able to take a 90 day forbearance and was explicitly told by the lender, Ditech, that I would have no negative marks made against my credit. During the forbearance I sold the home and the mortgage was paid off in its entirety on XX/XX/2018. I entered into contract on a new home purchase today and when my credit was examine my score had dropped from XXXX to XXXX. The very same day I went under contract Ditech reported I was 90 days delinquent on the account. I am now unable to find the loan due to the huge impact their mistake had on my credit. PLEASE HELP!

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 04/30/2015 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (CA).
Issue: Fraud or scam

Complaint: Filed against : ReloaditXXXX XXXX XXXX XXXX CA XXXXComplaint Description : Theft of Money - {$900.00} total. {$500.00} in Reloadit 'Safe ' and {$500.00} on Reloadit card that I can not load to 'safe '. Claimed Tech Difficulties XX/XX/2015 - purchased XXXX reloadit cards for a total of {$1400.00} ( {$500.00}, {$500.00}, {$400.00} ) - After delay of having to try XXXX times to verify my card ( which had already been verified weeks ago ) Both cards for {$500.00} each finally loaded to my 'safe ' I was able to load only {$500.00} to my netspend card. When I tried to reload the remaining {$500.00} in my safe ... I get the error " experiencing technical difficulties, please try again later. The card for {$400.00} will not even load to my 'Safe ' - system says ... you reached your max of {$1000.00} for the day. XX/XX/2015 - still same thing ... can not get my money which I am critically in need of. So I researched the so called 'technical difficulty scam .... thus I am not waiting for months for a resolution nor to file my complaint http : XXXX Called reloadit.com, got run around that the reason my card would not load is because the XXXX card is rejecting it .... Called XXXX and I can load up to {$2500.00} on that card so just another game by Reloadit to steal my {$.00} In same call with Reloadit.com XXXX asked why I can not load my other card for {$400.00} to my " safe '', they said you can not load more than $ 1K a day .... Well I loaded $ 1K a few days ago and have tried to load my {$400.00} repack card everday, since with no luck. Also getting technical difficulties message which we know if fake ... The customer service person said ... let me go and check on that then never came back on line .... Instead got some cryptic message that meant nothing to anyone and then I was hung up on!

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (I do not know) with Coulter Dove & Harris, PC (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was never notified in any way, by mail, email or phone call, of the court case or that there was even a debt collection to my name. On top of not notification being received, the debt collector argued they had tried to send mail but put no efforts in finding my actual address, although I had officially changed it within the  DMV.  Another issue is that I am involved in this case, solely because I am not a minor and had lived with my mother, the sole person responsible for this debt is my mother and the debtors decided to charge both of us, simply because of my age.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (GA).
Issue: Adding money

Complaint: I loaded {$420.00} cash to my rush card at XXXX XXXX on XXXX and I am still waiting almost 3 weeks later to see the money on my card. I have emailed and called customer service on several occasions but they still have n't resolved this issue. I even mailed the corporate office a letter with a copy on the original receipt from XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Credit management, Inc Sent me a pre-approve offer for a 40 % discount of a credit card debt. If payed before XX/XX/2016 The original amount was {$7600.00} The amount payed with 40 % discount is {$4600.00} So I agreed and payed it on XX/XX/2016 with a promise to receive a confirmation statement sent to my address.It had n't arrived. But I received a XXXX statements on XX/XX/2016 Stating that my payment returned or declined.But according to my bank the payment was received and cashed on XX/XX/2016 Attemps where made to resolve this issue by going to various address that were on the statement but were fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have not been able to re-pay a student loan that I took out for my son, with the school that he attended. I spoke to representatives of the agencythat represents the school, XXXX XXXX XXXX XXXX, filled out all of their forms and sent them a request for a hearing. The hearing was denied and even though I said that I would accept arrangements to re-pay the loan on terms that THEY offered, they have only responded to me with another round of threats to garnish any income and the same forms that i previously filled out and sent to them ( that they acknowledged in declining to allow me a hearing ).

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing in reference to a previous case I opened at the consumer financial protection bureau that is now closed reference number is XXXX in this you can confirm and verify the creditor has stated they will remove the account from all national credit reporting agencies. This has not taken place on my Experian credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is XXXX and is reporting incorrectly negative on my experian credit report as it should not show at all because i was told it will be deleted. I have attached copies of the letter received from cfpb stating the misleading fraudulent delinquent account will be removed. I demand you update this information and reflect it correctly on my credit report as it should not show at all since this account was fraud and does not belong to me I demand you delete I it immediately.

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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: OVER THE YEARS, THERE WERE MULTIPLE PROBLEMS WITH MY CREDIT REPORT. SO I HAD 2 BIG ISSUES I WANTED ADDRESS AND A FEW OTHER ISSUES. BECAUSE OF THE WAY THEY MISHANDLED MY DISPUTE INVESTIGATIONS IN THE PAST, THE ACCOUNTS, INQUIRIES, AND PERSONAL INFORMATION I CHALLENGE EQUIFAX TO DISPUTE FOR ACCURACY AND VALDATION AND VERIFICATION. THE SECOND MAJOR ISSUE WAS IF THEY CAME BACK VERIFIED, THAT I WANTED A DETAILED METHOD OF VERIFCATION AND I ALSO REQUESTED IF VERIFIED TO GIVE ME THE DOCUMENTS THAT I REQUESTED. I HAVE MAIL IN DISPUTES AND THEY SAID THEY DIDNT RECIEVE IT. ITS ALWAYS A EMPLOYEE FROM XXXX AND THEY DISREGARD ANYTHING YOU SAY. 1. I DISPUTED INQUIRIES FROM EQUIFAX AND TOLD THEM THAT I DIDNT AUTHORIZED THESE INQUIRIES. THEY SENT ME BACK A LETTER SAYING INQUIRY IS A STATEMENT OF FACT. SO I CALL THEM BACK AND WROTE THEM ASKING THEM TO DISPUTE THE INQUIRIES AND THEY SAID THEY ARE NOT DOING IT. 2. 3 BANKRUPTCIES THAT I ASK TO DISPUTE FOR ACCURACY AND I ASK FOR FULL DETAILS OF THEBANKRUPTCY INCLUDING THE PAPERS THAT WERE FILE, AND THE METHOD THEY VERIFED. THEY DID NOT GIVE ME THAT INFORMATION BACK IN 30 DAYS SO THEREFORE BY FCRA LAW, IT MUST BE DELETED. THEY ALSO SENT A LETTER BACK ONLY SAYING VERIFIED. 3. I DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX FOR ACCURACY AND THEY ARE ALSO IDENTITY THEFT. I FILE A IDENTITY THEFT REPORT ON THESE ITEMS ON X/X/17. FIRST THEY TELL ME THEY AINT RECIEVE THE DOCUMENTS. NOT BY FAX OR EMAIL. I EVEN HAVE A EMAIL CASE # FROM THEM BUT THE XXXX EMPLOYEES SAY THEY HAVE NO CLUE WHAT IM TALKING ABOUT. 4. XXXX XXXX ACCOUNT. I DISPUTED THE LATE PAYMENTS ON THE ACCOUNT. ACCORDING TO THE FCBA IF I MOVE THAT THE MUST SEND THE STATEMENTS TO MY NEW ADDRESS. ALSO IT IS IN DEFERR STATUS AND I ALWAYS KEEP MY DEFERR STATUS UPDATED. EQUIFX DIDNT EVEN FOLLOW THE DISPUTES THAT I REQUESTED. XXXX ALSO DID THE SAME STUFF. ALSO XXXX. BUT XXXX  HASNT RECIEVE MY IDENTITY THFT REPORT YET, BECAUSE THE ONLY WAY THEY CAN RECIEVE IT IS THRU MAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX placed a collection on my report by XXXX XXXX   XXXX and experian both deleted this on XX/XX/2017. XXXX came back and had XXXX XXXX to put the same thing and same amount on my credit report and as this time I have again asked to see and or know the method of verification and the description of the procedures used to determine the accuracy and completeness off the information was requested and they NEVER provided me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They also did not inform me in writing that the deleted item was going back on my credit with in five days of them putting it on as well.

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 12-09-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: After repeated failed attempts to contact Wells Fargo concerning a duplicate account showing up on my XXXX credit report this issue still has not been resolved. Wells Fargo has reported an account with a minimum monthly payment that exceeds {$28000.00} to XXXX and XXXX that I know of. I have attempted to contact Wells Fargo to verify this information and they have refused to contact me. This is related to a loan received for payment to XXXX, Oregon

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 09/24/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been paying my mortgage on time, but Seterus has diverted the funds to cover a non existent escrow account. I am now getting late fees and notices of intent to foreclose, as well as threaten legal fees. These guys are crooks

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: I tried to ask Wells Fargo if they could please help me investigate a scam issue that occurred to my account, but they refused to help with any issue as I 'm not a customer. I am a customer with XXXX XXXX XXXX that refuses to help me as well as I think it is the bank 's responsibility to help me recover the lost funds in my account and track down the scammers of the bad check. I should n't be held accountable for XXXX XXXX XXXX processing the bad check and allowing me to withdrawal the large amount from the processed check and depositing it into a Wells Fargo account as I was instructed to. Neither banks are trying to help me recover the funds nor catch the scammers. The local authorities are n't able to do much if the bank does n't cooperate. I believe it should be the bank 's responsibility to catch a bad check in a timely manner and help their customers in every way possible to prevent this from happening to other people.

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 01/23/2016 about Money transfers (Domestic (US) money transfer) with CITIBANK, N.A. (CA).
Issue: Money was not available when promised

Complaint: ( 1 ) I attempted to transfer funds from Citibank in XXXX to XXXX XXXX XXXX in XXXX on XXXX XXXX, 2016. I did so online, and I was assured in that online transaction that the funds would arrive on XXXX XXXX, using the XXXX feature. The aim was to replenish the Hawaii account before an overdraft. ( 2 ) Subsequently, Citibank neither sent email nor telephoned about the attempt. ( 3 ) I received mail from the Hawaii bank dated XXXX XXXX, I learned that the deposit had not occurred. ( 4 ) I then went online to access the history of my account, discovering that the transfer was classified as " Cancelled. '' ( 5 ) I went online again on XXXX XXXX to make the same transfer, and was again assured that the amount would be transferred, this time by XXXX XXXX. ( 6 ) I telephoned Citibank to ask why and I was informed that I had not provided a verification code required to complete either transfer. ( 6 ) While still on the telephone, Citibank then walked me through a process to obtain a verification code for the XXXX XXXX transaction, but to obtain the code I was instructed to hang up, get the code, and enter the code on the website. ( 7 ) I hung up and found three messages saved on my telephone. When I listened to them, they all said that I would have to tap the 1 button on my telephone for the code. In all three cases, pressing the 1 button yielded nothing but a message to tap the 1 button. 
My complaint is ( a ) that while using XXXX, there was no requirement on the website to get a verification code as part of the process, ( b ) there was no Citibank notification, either by email, telephone, or online that the transaction was being held up for lack of a verification code, ( c ) that no verification code was even sent when I tried, ( d ) my XXXX account was not replenished, so I have been billed by that bank {$30.00} for the overdraft fee and {$3.00} daily ever since. 
Remedy : Citibank must pay the expenses incurred for failing to provide adequate information about how to make the transfer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Payday loan) with Receivable Asset Management (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Kramer & Associates is contacting co-workers, family and friends who are not listed as references anyway. They disclosed to my mother that they were a collection agency ; they have left messages on my work phone and continually harass my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had my mortgage sold to Bayview Financial Services in Florida by XXXX in XXXX XXXX. I have been sending over double the payment every month since then. They have misapplied my funds very regularly and not applying my payment as instructed on the form to interest and extra to curtailment of principal. They are not permitted to call me. I have to call weekly to make sure they are applying the funds properly. In my statement of XXXX XXXX, XXXX it said I owed {$2100.00} and showed many misapplication reversals and suspense of my funds. I have no idea what they are doing as I received a certified letter in the mail about foreclosure because of three month non payment of the mortgage. I have all the bank statements and copies of all the checks showing that I have been paying {$1000.00} a month for two years. Now they are telling me that I should disregard this foreclosure notice and are applying the funds correctly but I am very worried something bad will happen to my property. Can you help?? I am scared and want my payments applied correctly on the date I mail them my payment and extra principal. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi there, Please help me! I am trying desperately to get accurate information on my XXXX! I am paying almost XXXX USD a year, I can never talk to someone and no one does anything, to resolve this issue! I have the feeling to be ripped off every of XXXX USD and nothing is done! 
I have filed XXXX business disputes, I have sent all legal documents to help resolve this issue. And nothing is done, as they keep on reporting completely wrong information, they are mixing our XXXX with an XXXX which has nothing to do with us! 
I have attached XXXX of the last business dispute emailI am so frustrated and I am seriously thinking to press charges! 
Looking forward hearing from you! 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Sometime on XXXX, 2017, I was trying to get a copy of my free annual credit report online. But when I did to submit my request, the next web page tells me, that I am unable to process my request. It didnt say why or what options I can do to get it. And this XXXX of 2017, I have applied some credit cards and apartment rental application to do background check online, most of the applications are denied due to the 3 credit reporting agencies. And now, checking on my credit score go down because it shows on my reports that I have a hard inquaries showing on my reports to the 3 credit reporting agencies. I also found That there are some incorrect/unaccurate information on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been paying my payments on time and reporting that I was late a few time when I was n't really date only for 2 days. How am 30 days late. Please have them remove the late payment which is affecting my credit score and personal life. 





















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Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (I do not know) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Recording says that they are seeking information concerning a debt and to please call XXXX. The recording then stops. They call daily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my debt. I have ask the collection agency to supply me with supporting documentation that support their claim on XXXX/XXXX/2017. This request was sent by certified mail. However, now I am seeing this debt on my credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was a victim of the Equifax hack. My information was leaked and released. Now i have to spend money to buy Credit protection that costs {$100.00} a year.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I took out two loans with XXXX back in XXXX when I attended XXXX Community College in XXXX, FL. I am XXXX school now and suddenly these loans have come into repayment. I called Navient, and they told me that I 've run out of time to not make payments and must make take a forebearance, pay {$100.00} to clear the past due and now start making payments each month. I paid {$150.00} for XX/XX/XXXX and now they say I owe {$160.00} for XX/XX/XXXX. 

I looked at the loan information and it says that the loans were disbursed XX/XX/XXXX and XX/XX/XXXX, both of which is a lie. I was attending the XXXX in XXXX and was taking federal loans at that time, so no private loan would have have been needed. 

Further more, when I talked to their customer service, they said I had no income based plans available to me and must start making payments immediately, even though I am still in school. Then I see that the government is suing Navient for misleading it 's customers so I 'm filing this official complaint to see what can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: LexisNexis I placed a security freeze and fraud alert on my credit report because they offer a product that suppose to prevent any company from being able to see your public record which is false the public record still was able to get verified

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not recieve a notice to validate the debt. They are stilling trying to collect on it. That is a violation of the FDCPA and FCRa because they are also reporting it on my credit report.

Company response to consumer: Closed with explanation