milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2018 about Mortgage (FHA mortgage) with Ditech Financial LLC (MD).
Issue: Struggling to pay mortgage

Complaint: I am now {$20000.00} in the rears with my mortgage with Ditech i have been behind since XXXX.. I had XXXX XXXX in XXXX.I lost my Job of 10 years because of losing time from work. That is how i became behide. I now I am able to pay my mortgage and have submitted a Modification 2 time. Both time they were denied with Ditech. The reason that they denied me is because of the programs that they have to follow. This is where the problem comes in. I have attached the 2 denials for your review. What i have a problem with is that being that i am a Certified XXXX XXXX myself I have seen the Modifications that lenders offer clients.My interest rate is 6.75 % and has been so since 2004 rates are much lower now. Most modification that I have seen come across my desk have lowered the rate to 2 % 3 % so that the # s would work. I have since them also give a Balloon Payment of 15 years. This would give the mortgagor time to get on their feet. This option was not offered to me. I know that this option is available but the lender is not trying ever possible option to keep me in my home. Again my rates in 6.75 %

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In 2007 I was struggling financially and I filed for chapter XXXX protection ; however, none of the filings was accepted by the Bankruptcy Court they all were dismissed. This complaint is to have all XXXX credit reporting agencies remove the information from my credit file. The Chapter XXXX Bankruptcy 's I filled in 2007 was NOT confirmed. I was told by XXXX that they can keep it on my credit report for 10 years, however, I live in California and the Federal Law is 7 years of filling. Also, the plan was never executed and was dismissed/discharged in 2007 as well. I want all XXXX credit report agencies to remove all negative information relating to the Chapter XXXX 's I filed in XXXX, XXXX, XXXX, and XXXX of 2007. I filed them and the bankruptcy court did not process any of them ; they all were dismissed out of court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: They not only THREATENED to sue me on debt that is too old to be sued on, THEY IN FACT DID. XXXX XXXX XXXX, XXXX and their attorney XXXX XXXX ( XXXX, CO ) actively pursed a lawsuit against me on a debt they knew to be a Time-Barred Debt. The debt was a credit card account XXXX had purchased that was originally a credit card from HSBC XXXX XXXX. They completely disregarded the Federal and State Laws on debt collection practices, harassed me in XXXX County Court in Colorado, and attempted to even illegally obtain a judgement against me in XXXX County Court. I had to fight them for approx. a year against their illegal practices, and if I did n't, they were stampeding their way through the County Court in XXXX County Colorado with complete disregard of the FDCPA. In fact, they almost got away with obtaining a judgment against me, illegally so, except by shear happenstance of me learning of their activities within a XXXX Report I had acquired for other informational purposes. I was then forced to hire a lawyer to protect me from their pursuit of extorting monies from me for time-barred debt. They simply were n't going to back-off until they could bully me into paying monies that they were attempting to extort from me. They have a total disregard and cavalier attitude in regard to the FDCPA, and fully believe they can bully monies by their `` gangster-like '' activities by misusing county courts to file lawsuits that are wrongful against consumers thinking they are above the law and can commit this criminal activity against naive consumers, out-lawyering consumers, and willfully and wantonly ignoring federal and state debt collection practice acts and laws that are in place to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I used the auto-pay system to pay my loans and the servicer promised a .5 % reduction in interest. In XXXX, I changed my repayment plan to fixed in an effort to reduce interest payments and increase premium payments. I set the payment amount above the required payment as well. Great Lakes did not make the XXXX payment despite confirmation. They then reduced the auto-pay amount. As a result, the XXXX and XXXX payments have gone to interest only. They are also charging me at a rate of 7.8 % interest despite my contracted rate of 6.75 % which should be 6.25 % due to the auto-pay arrangement. This is the second time that Great Lakes has readjusted the auto-pay amount despite my efforts to set payments on line, by phone and by email. I feel their effort is to increase payments to interest and refuse to credit to premium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with National Credit Systems,Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Dear national credit systems, I am in receipt of the letter you sent to collect a debt from me, I am for certain that i do not owe your company any money. For starters, I have never done business with you. in Fact, I have never heard of your company until having received this letter in the mail. What i find strange is your attempt to settle the debt with me when i do n't owe you any money in the first place! Why would i settle on something i do n't even know?! Seriously informing that i have a debt when i never signed a contract with you and you do n't have my signature nor my drivers license for a contract stating Im liable ... .Again, I do n't owe you any money!! ' With all that being said, Please See this letter as me disputing this alleged debt with your company as well as requesting debt validation. Please send me a legal binding contract and agreement that legally binds me to owing your company!! I have been disputing this debt with your company hence you have never supplied legal supporting documents, this is my last and final time to ask you for correct validation. 

thirty days should be more than enough time for you to send me legal supporting supporting documents bearing that I 've done business with you, Hence owing your company, i also have attached my attorney on here as well for your response. 

Regards, XXXX XXXX CC Attorney XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX and Transunion have failed to remove fraudulent information on my credit report. After numerous disputes and receiving letters claiming the account/inquiry is reporting correctly, it is not. I have attached my Identity Theft report in hopes of removing the incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Medical debt) with Halsted Financial Services, LLC. (KY).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Thursday XXXX XXXX, 2017 : XXXX XXXX Eastern Time - unknown number called me.. answered, no one on the other line XXXX XXXX Eastern Time - called number back and spoke with a male representative who gave me his name, and the company name. Wanting me to verify information. I refused to give him my information and asked " Are you a debt collector '' he kept telling me he could n't say until I verified the account which is in violation of FDCPA 805. Communication in connection with debt collection ( 15 USC 1692c ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with Northwest Collectors Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent numerous letters aboou t Northwest Collectors Inc. trying  to coooect a debt that is not mine. I tried contacting the original creditor,  which Northwest Collectors Inc. clai ms I owe, and there is no such company they claim. They have no file at the  XXXX   XXXX  hospital nor does the doctor mentioned know anything about this alleged account. So after my personal investigation this is a fraudulent account  and Northwest Collectors Inc. is   clearly providing false information of the original creditor. They can not provide any proof I actually owe them yet they still are reporting to all three major credit bureaus ;  XXXX ,  XXXX  and  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Have received calls nearly every day for more than a year from Portfolio Recovery regarding a debt from more than 17 years ago that I am no longer responsible for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I wrote Equifax over 6 weeks ago. They have not responded to my request for an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Bank account or service (Other bank product/service) with M&T BANK CORPORATION (SC).
Issue: Making/receiving payments, sending money

Complaint: My mortgage account was transferred from XXXX XXXX XXXX to M & T Bank a few years ago. In 2015, I was experiencing some income challenges and fell behind in my payments. From XX/XX/2015 through XX/XX/2015, with XXXX grace, I was able to pay off the agreement with them. This was to clear ALL debt due and I was to start fresh for the new year, per their Mortgage Assistance Department. This never happened. My XX/XX/XXXX bill included additional " past charges '' that there Customer Service Department insisted were still due. 
To make matters worse, I changed mortgage insurance from XXXX to XXXX in XX/XX/2015. I contacted all parties ; bank and both insurance companies however, the mortgage still reflected the higher XXXX premium for XX/XX/XXXX. I paid that month, hoping that the corrections would be made the next month. They were not. I called and was told that whichever department that processes insurance changes had not done so. In the meantime, I was to pay the excess charges, since the bill was sent already, and I would be reimbursed. I told the young lady, to whom I was speaking to, that that made no sense to send money that I do n't have or owe. She stated that there was nothing she could do. I sent the payment with the new premium amount for XX/XX/XXXX. Later that month, I received a check from M & T Bank for the XX/XX/XXXX overage that I had paid. The next month, my bill still carried the old premium and again, I did not pay that portion in XX/XX/XXXX. Since that time, the bank has been carrying that old premium as something I owe, which I do not. I have not spoken with the bank as each time I had in the past, the person receiving the call speaks to me as though I am at fault and gave no credence to anything that I have tried to explain. 
I discovered yesterday, in checking my credit report, that they have been reporting to them, 30-day late payments ever since XX/XX/XXXX despite my monthly on-time payments! This has reflected negatively on my credit rating and has caused me to be declined for a car loan, which I now desperately need!

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 08-11-2015 about Debt collection (I do not know) with Aargon Agency, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: repeated unwanted phone calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/28/2018 about Debt collection (Other debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I am not aware of this XXXX XXXX XXXX XXXX XXXX , XXXX balance. I have never seen anything dealing with this lender. Also, I have been threated that in 30 days they will seek to make a judgement on debt that does not belong to me. I understand that they are looking to offer me a settlement. However, I do not believe the validity of such debt accusation. Furthermore, I will not be limited to the action of court threats when I did not receive any notice of debt based on communication. The amount is {$880.00} from MBNA which was acquired by Bank of America in 2006. I do not claim debt.

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 05/21/2017 about Money transfer, virtual currency, or money service (Virtual currency) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL).
Issue: Other transaction problem

Complaint: XX/XX/2017 {$67.00} in a money transfer via moneygram.com Was cancelled before collection By me due to a possible overdraw Because of a money transfer to a close friend And they said they cancelled it for me But would take 3 to 10 business days Never sent confirmation of cancellation Refused to send confirmation of cancellation Or any evidence of such Then later said I would not be And that " i would have to trust them in good faith '' If i did n't then i would not get my money back Then the next day calling 4 more times to check the status They altered the explanation and said an email was sent confirming cancellation at the time it was done And that if is " against moneygram policy '' to send another to confirm I checked every folder for the supposed email Spam and trash included Nothing! Zip! Zero! Zilch! Nada! What the heck is going on? Oh not to mention the money never dropped of pending status to refunded on my card It went to completed! Which means the money was taken! Now the receiver is XXXX off And So am i

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (WA).
Issue: Account opening, closing, or management

Complaint: Multiple times now ( XXXX of which documented below ) I have been charged an overdraft item fee for an item that did not overdraw my account. After I contacted Suntrust Banks the first time I was told that I did not understand their policies and what had occurred. I was told that if the person helping me could simply show me what they saw that I would understand but since they couldnt they would refund me XXXX of the XXXX overdraft fees that had occurred ( the first of which was unwarranted and the subsequent ones were a byproduct of the {$36.00} fee I had been charged )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was a potential victim of the Equifax security breach

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I sent a letter to TransUnion requesting that they delete the duplicate inquiries on my credit report. I explained that under the provisions of the fair Credit Reporting Act 15 USC Section 1681i they must reinvestigate and delete the disputed Items. The told me that I have to contact the creditors that made the inquiry and have them write a letter of deletion. I went to the creditors and they explain to me because I am not a customer of theirs that they will not write the letter. I explain this to TransUnion and also mentioned again the Fair Credit Reporting Act and they told me that they would not delete the duplicate items. So now I am bringing the complaint to the CFPB.

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 11-10-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: I am writing to express my concern about Scottrade Bank when my online account was hacked while I was XXXX. At this time I had both a Scottrade Brokerage and Scottrade Bank account. I reported the fraud to Scottrade and was instructed to provide a police report as well as other materials which I did. I respectfully requested Scottrade cooperate with the law enforcement agency but they refused and stated I must go through an internal appeal at Scottrade. When I inquired on how to submit a formal complaint for internal review, Scottrade stated that " Corporate HQ '' would get back to me. Well " Corporate HQ '' did not get back to me and after XXXX phones calls, numerous certified letters, and complaints with third parties, Scottrade vaguely informed me that I would have to submit an appeal in writing, which I promptly did. 

What Scottrade Bank failed to inform me about was that there was a specific Scottrade Bank form for disputing fraudulent transfers and or hacked accounts available here XXXXI am unsure why Scottrade did not follow their own procedures for dealing with hacked accounts but I am sure that Scottrade 's failure to follow appropriate procedures appear to be an abuse of their position in an effort to avoid liability for the hacked accounts and failed database protections. 

I am writing to the CFPB because Scottrade refuses to acknowledge or respond to any of my complaints and I am kindly requesting Scottrade provide me an opportunity for a XXXX review of the situation. I have provided Scottrade with a completed account activity dispute form and will be expecting a response. The dispute form is available here, XXXX and Scottrade Bank has written policies about how to process the form. 

If Scottrade refuses to provide the requested documents and take appropriate action, I am specifically asking Scottrade provide me with a copy of the original arbitration agreement ( if it exists ), a request that Scottrade has refused to respond to on over XXXX different occasions.

Company response to consumer: Closed
Consumer complaint received 12/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification from Wells Fargo due to a change in my income. They are giving me the run around, as if they are purposely trying to put me out of my home. They keep dragging this thing on and asking for the same papers over and over again, only to be denied. 
They are not helpful in any way but to take my home. 
I really need help. I do n't know what else to do when my mortgage servicer refuse me any help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX company is still reporting my accounts as OPEN on my credit reports when in fact they are closed and should be deleted from credit reports per Chapter XXXX bankruptcy.Despite a request to XXXX XXXX ( XXXX 2016 ) and several disputes requests with all three credit bureaus ( Transunion, XXXX & XXXX ), the accounts still show as open.

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 12/24/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receive numerous phone calls. I have no debt.

Company response to consumer: Closed with explanation