milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company is charging me for an unsubstantiated corporate advance for real estate taxes paid that were never paid by the mortgage company. I never even had an escrow with them. This is fraudulent. Requested copies of proof that they paid these amounts and to whom ( requested specifically cancelled checks ) - they ca n't prove they paid it and are unwilling to remove the corporate advance from the account. I can prove that I, and I alone, paid for all of my property taxes. Again, there has never been an escrow on my home which I have owned for 11 years now. How do I get the fraudulent amount removed from my account? I have proof that all property taxes have been paid via my personal bank accounts - I have receipts and cancelled checks, ACH transfers made from my accounts that proved I paid the real estate taxes and not them! Fraud, fraud, fraud! I have spent over 18 months trying to get this resolved but the customer service is non-existent - the agents are rude and clueless.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are grossly inaccurate items on my credit file. Equifax has had more than 30 days to correct these inaccurate items or at least verify and show me proof neither of those things have happened. This is an attempt to correct my credit report through my own due diligence. Please do not respond and say this is not me, I am recording all correspondence and will use these stall tactics in small claims they do not comply with the law. Attached is a letter to explain and prove the inaccuracies and my identification to prove who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I contacted Trans Union on XXXX XXXX, 2016 and disputed duplicate entries and wrong balances with a company called " XXXX XXXX '' aka XXXX. They have affected my credit score tremendously because this company changed names and made it as though my husband and I now have XXXX separate accounts totally more than {$45000.00}. We only borrowed {$20000.00} on this predatory loan from XXXX XXXX and this company has changed names 3 times and all of this is showing outstanding on our credit reports after multiple disputes and as CFPB lawsuit company is still using credit reporting to hurt consumers.

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 10-06-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is through bank of america. I also pay pmi which as of XX/XX/XXXX2016 it is suppose to be automatically terminated. Bu I still paid it on the XXXX statement and has not been scheduled to come off for XXXX Ive called BofA to make them automatically terminate but they give the usual generic answer about reviewing the loan. I originally financed through XXXX Bank and BofA bought the loan and on my loan docs it says by amortization schedule on XXXX XXXX, 2016 it is AUTOMATIC TERMINATION if current on payment and are at 78 % on ORIGINAL property value. PMI is XXXX per month and believe I should be refunded ( and not have it added to escrow ) for XXXX 2016 payment plus have it removed permanently. They are currently in breach of a legal binding contract.

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 monetary relief
Consumer complaint received 03-02-2018 about Debt collection (Other debt) with Ad Astra Recovery Services Inc (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: i sent them a letter requesting validation that they received certified XX/XX/XXXX of 2018. i told them by law they had 30 days to respond in receipt of this letter they signed for certified with validation with a contract bearing my signature. That would prove that i had some kind of contract with them. There first violation was that they sent me a copy of an alleged contracted with a huge " copy '' sign on it. Secondly, i pulled my credit report on the 31th day to see that they didnt comply and that they only updated 2 out of 3 of the bureaus as " disputed ''. This is a clear failure to comply and i have all the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My complaint is with Credit Acceptance. First the have they are claiming I owe {$100.00} dollars which is incorrect. If my payments are XXXX a month and Credit Acceptance acknowledged theey received my hardship payment arrangement letter and agreed to give me 4 monthly payments of {$200.00} on a recorded line, why are they acting as if this is just a payment I 'm making on my own. And with the agreed upon arrangement the past due balance remaining balance for 4mths would be XXXX and the representative on the phone advance the balance go on the back of the loan. So the are adding illegal collection tactics and also have been calling harassing me everyday twice or more a day after they know my account is auto draft. I have spoken to a representative every time they call to advice in on auto draft and they still try to collect a payment and continue to call when I already spoke to someone which is illegal. Their phone records like my phone records will support this. Last all XXXX of my credit reports are showing different past due dates, when the account is not past due, I 'm on auto draft and Credit Acceptance agreed to the hardship arrangement and said the remainder will go on back of loan. 

I

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 02/26/2018 about Debt collection (I do not know) with Universal Recovery Corporation (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: When I received a letter from Universal Recovery Corporation dated on XXXX stating that I owed them money in the amount {$230.00} I then tried to negotiate and I was trying to settle a debt I allegedly owed and I sent them a letter that I was willing to negotiate and pay not the whole amount but {$150.00} ; the original creditor was from XXXX XXXX and was sold to this collection agency called Universal Recovery Corporation ; however, this agency has been harassing me calling my employer and leaving a voicemail not directly to me ; and calling my phone and my other friend multiple times leaving voicemail instead of replying back to me by mail. Today I received I letter stating that now I owed them XXXX ( please see the attached copy of the letter from Universal Recovery Corporaton and also my letter to them. Please Advise. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 03-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX I made my typical mortgage payment online which was on auto pay for {$700.00} though my bank. In XXXX I received a letter stating that my payment was in suspense and that a late charge had been assessed for not making my payment on time. When I researched this, I found that my payment had increased in XXXX 2015 to {$780.00}. I immediately called the main office and paid the delinquent amount of {$86.00}. At this time I also found out they did not have an accurate phone number for me as well, which I have updated. 
I pride myself on paying my bills on time and this was an oversight on my part. I understand the importance of this issue and I should have paid more attention to the statement. 
I 'm currently in the process of refinancing my primary residence and the late reporting has crushed my credit report to the point I no longer qualify. I am simply asking for a onetime retraction. I know this is not common, but have found out that many lenders have done this in certain circumstances. 
I have called several times and written correspondence asking for them to rectify the mistake. When I do call, I 'm not able to actually talk to someone that can make a decision. They say that there is no " customer facing '' person that I can talk to. The only communication that is allowed is through letters.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I am a victim of identity theft. I have previously disputed these accounts opened in my name without my authorization. I have previously supplied Regions Bank through the CFPB website a copy of my lease showing that I did not live at the address used to open these accounts. These accounts were opened online due to fraud. Regions requested I send in a copy of the FTC Fraud Affidavit I have on file. I have attached a copy of that as well as correspondence between other financial institutions that have researched this identity theft and found it to be valid. I encourage Regions to reach out to the other banks to verify their investigations found I was not liable for these accounts as they were not opened by 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 05/13/2016 about Mortgage (Home equity loan or line of credit) with M&T BANK CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2016 my elderly mother XXXX XXXX XXXX sold her home. I am her son and Power of Attorney XXXX XXXX. As part of the process we needed to close out her Home Equity Line of Credit with " M and T '' Bank ( Line of Credit Account Number XXXX ). After much difficulty we finally got a letter from M & T with instructions to pay {$33.00} as the discharge and satisfaction fee. We paid this amount immediately, and it posted to her account on XXXX/XXXX/16. I then made several attempts to have the account closed to no avail. Finally a branch person, contacted the Home Equity division at my request and she assured me that the loan would be closed. I waited 2 weeks and still the loan was not closed. I again contacted my branch person and she checked again with the Home Equity division and discovered they had taken no action. Finally on XXXX/XXXX/16 my branch person emailed me saying the loan was closed, but still there has been no recording of the loan closing made with XXXX XXXX. We paid the {$33.00} discharge fee and expect that the closed loan would be recorded with XXXX XXXX. Please help make this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: If wells fargo does n't handle any domestic dispute. Then why did they get involved when XXXX XXXX falsely accused me of harassing her. I have never harassed XXXX XXXX, and how was I harassing her when I was told by wells fargo to come in a local wells fargo brance to get my new account open. It was all a set up by wells fargo to falsely accuse me of harassing her. I did not know at the time that she was in the bank. I was only taking care of my own banking business. XXXX XXXX is using her position to do unethical and felon criminal things toward me. Wells fargo refuses to explain how i am continuing to harass her. I was only in the bank to handle my own banking business and XXXX XXXX had no right to interfere in my business. Wells fargo has the definition of harassment all wrong. I have never harassed XXXX XXXX she has always harassed me and I take it as an insult for wells fargo to believe her side of the story over mine. If they do n't handle domestic disputes then why did they get involved to close my account, due to my " Continued harassment of their " PRECIOUS '' district manager XXXX XXXX. This was a injustice done to me and is completely unfair how they have allowed XXXX and XXXX XXXX to harass me and slandered my name which caused me to lose my checking account. I only had my new one open for a few weeks and it is an " OUTRAGE '', that they let this happen to me. Banks are suppose to take privacy issues very serious, but they let XXXX and XXXX XXXX violate me and my sons personal and financial information to be compromised. The first story wells fargo told me that my account was " COMPROMISED '' which is why they closed it, and they told me i had to come in a local wells fargo branch to open a new one. Its a plain insult after running me back and forth trying to get my new account open, for XXXX XXXX to say that I harassed her and close it. There is " SECURITY FOOTAGE '' to show that I was only handling my own banking business. There is something very wrong here if wells fargo refused to look at the security footage but took her side and refused to listen to my side of the story. XXXX XXXX has " DEFAMED '' my character all around wells fargo and getting her co-workers involved in the unlawful and felon harassment against me. The reason why wells fargo is protecting XXXX and XXXX XXXX is because they big bosses at wells fargo are felon criminals to. It was n't " FAIR '' that wells fargo closed my account and told me I could n't enter into a wells fargo, even if i had any type of loan. I was to conduct any type of business over the phone, this was a direct violation of my " CIVIL RIGHTS ''. And how they still allow XXXX XXXX to do unethical and felon things against 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 07-09-2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (PR).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, My Morgtage has been sold to Rushmore Financial Services. This was sold to them when XXXX left the market. Immediatly they law suit me for the amount of XXXX of the principal amount of the morgtage and want as a settlement 35 % of the amount owed plus all the interest accumulated. I personally thinks is fair, but what motivate me to contact you guys is becasue they are not flexible and expressed that they just want to aquire the home to built their house portfolio. That was the statement from XXXX XXXX from loss mitigation personnel. The phone number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX and equifax will not re-investigate incorrect information that is being reported on my credit report. I have been a victim of identity theft for a card that was opened up in my name. ( XXXX ). I have phone experian and equifax to re-dispute this information and was told it was verified as mine and they will not re-dispute information again. This is ridicilious. I have written many letters to XXXX ( with no response ) along with phoning them and getting the run around. I have also called the credit beaurous numerous times to tell them that this fraud is causing a hardship with my credit score. They will not re-dispute. How can they get away with this? I am being penalized for something I DID NOT DO

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with loanDepot.com, LLC (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Loan depot is consistently reporting 120 days late each month to XXXX XXXX and XXXX. I have not stopped paying them. The comapany has taken upon itself to stop with drawing the monthly payment from my account. I initially contacted them in XX/XX/XXXX and again on XX/XX/XXXX. I was told by their representive that they had changed over to a new electronic system and are having problems identifying my account. I am requesting that they amend all reports of late payments since XX/XX/XXXX. Not only is loan depot reporting fradulent information it has caused me from getting a home loan. 

I am requesting that CFPB help with this matter. As a home loan contingent upon resolving this problem. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am on an income based repayment plan. It seems within the last year my loans have skyrocketed $ XXXX making my total debt $ XXXX. After checking my credit report on XXXX/XXXX/2017 the loan balance has went up by roughly {$500.00}. The interest on my loans are absolutely absurd and it makes it impossible to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit card () with CITIBANK, N.A. (DC).
Issue: Other

Complaint: I have a outstanding amount showing on my credit report in the amount of {$1200.00} and not receiving a bill. Please investigate. 

Thanks!

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 05-10-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Midland Credit Management , Inc. repeatedly call me on my cell phone, which is my work phone. When I say Hello, hello, no one is there!!! I repeatedly asked them to Validate this debt, which mentions XXXX and as I see from my credit report is quite old, but they keep sending me a letter saying they are requesting the appropriate documents. The last time they called, I took a photo of the call on my cell number. XXXX removed their entry from my credit report but XXXX is not willing to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Unable to get my credit report the message was like this " Our records indicate that you received your annual free Equifax , XXXX and XXXX credit report on XXXX/XXXX/2015 ''. 
" A condition exists that prevents Equifax , XXXX and XXXX from being able to accepts your request a this time ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2017 about Debt collection (Medical) with Receivables Management Partners, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: All Medical bills are the responsibly of XXXX do to a court order Protection From Abuse Order. He is responsible for all Medical bills past or present and any Damages to my credit report and score

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo provide a brand new full documented loan over the telephone ( XXXX v. Wells Fargo, XXXX ) we requested a modification to our existing mortgage with Wells Fargo we believe they colluded and coursed us into a full loan which removed us from qualifying for a Government HAMP loan as the date is now outside of the guideline for approval. Question is why did Wells Fargo not provide us what we asked, a simple modification. Wells Fargo not only requested but demanded over the phone we sign the new fully documented loan or there as nothing they could to help us. This eventually forced us into bankruptcy, we tried desperiately to communicate with Wells Fargo, and they ignored us, and eventually sold our loan to XXXX, who foreclosed on our home. We are currently making probationary payments to keep our home. Wells Fargo never told us they were selling our loan to XXXX until it was too late. We need HAMP assistance! Our principle balance should revert to XXXX due to our bankruptcy, and we should be able to get a 2-3 % interest rate. XXXX provide their solution which is NOT a solution at all, in fact we believe they are taking advantage of the situation. We can provide more information to you via PDF file. I spell out our situation pretty clear in my previous presentment to all parties involved.

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 10-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Network Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have disputed with credit reporting company, but have not yet received a response. 
Financial Credit Network has reported on my credit report for a debt that I paid directly to the creditor. I had never heard of this company and when I saw this on my credit report I told them I paid the creditor directly and never heard from them. They claim to have sent me information ( to a wrong address ) and call me ( they did n't have my phone number correct either ). After I told them I was going to dispute and file complaints, I received a call a few hours later from them stating they could n't find my file on the credit report. I had to provide the woman with more information before she could find it. They refuse to remove themselves from my credit report even though 1 ) I have never owed them anything and 2 ) the debt they claim to have collected was paid directly to the creditor before ever hearing form Financial Credit Network. The only reason I heard from them was to call them to because they are tarnishing my credit report that I have been working diligently to keep clean and rebuild.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation