milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with 21ST MORTGAGE CORP. (CA).
Issue: Trouble during payment process

Complaint: in XX/XX/XXXX a line of credit was taken out on property XXXX XXXX XXXX in XX/XX/XXXX refinanced and 2nd mortgage was supposed to be forgiven, kept paying on 2nd until XX/XX/XXXX when refinanced we were told to stop paying on 2nd due to forgiveness program. We hired an attorney to handle 2nd mortgage ( law firm XXXX and XXXX, attorney on file XXXX XXXX address XXXX XXXX XXXX XXXX XXXX My husband who recently XXXX XX/XX/XXXX last told me lawyer above handling and instructed to stop paying on 2nd. Last payment to 21st Mortgage Corporation was XX/XX/XXXX according to statue of limitation law 2nd mortgage is 4 years. When the above property was in escrow right before escrow I was told that 21st Mortgage Corporation was taking XXXX from the sale of my property. I called them and tried to settle with them, get late fees taken off and explained 4 years was statue limitation and 2nd was supposed to be forgiven. They did n't want to hear it and bottom line property was already in escrow, I could n't back out and now this 21st Mortgage corp took XXXX of the sale pos my property above. I want them to give back my money in full due to statue of limitation 4 years on 2nd mortgage. If this can not be done I want a settlement offer from them for the 2nd that we both can agree on and refund the difference. I already have a attorney who has instructed me on above references to statue of limitations and so forth and if something can not be done in this matter then I am ready to move forwards on legal recourse in this matter. 
The loan number is under my husbands name and is # XXXX & XXXX it was a line of credit /2nd mortgage I believe ... he is the one that handled all the finances, so as you can imagine I was not only left grieving wife but had to find out when i sold the property someone was taking all my money. 

If needed I will provide my lawyers name and number

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ditech Financial LLC (CO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I had a mobile home in XXXX - and moved west to XXXX. I had XXXX different people lease purchase and each one progressively destroyed the home more and more. I could not continue managing it and could not afford to fix it so I did voluntarily surrender the mobile home back to Green Tree. This was around XX/XX/2011. After they picked up the trailer a man called me and said I then owed them XXXX dollars and how would I like to pay it. I explained financially there is no way I could pay a lot. I agreed that day to XXXX/month. He told me they would review again in three months. I talked to that same man again three months later. He cautioned me to never miss or be late with a payment and I have not been late or missed since that time. Over the past year Green Tree Collections has become more and more aggressive and I stopped answering their calls. I am called in excess of XXXX times a week often more than XXXX time per day. I live in MT and I am called before XXXX even though I have told them my time zone. The last lady I physically talked to several months ago - asked me " what are your intentions '' I told her I intend to do the same as I have done for four years and continue to make the payment. She told me " well that is not an acceptable arrangement. '' I explained they have accepted it for several years now and continue to accept it. She began yelling at me - I hung up and will no longer answer their calls which are frequent and feel like harassment. 
Additionally I have NEVER received one thing in writing from them - nothing - since the repossession, until I filed a complaint with the credit bureau because Green Tree was not showing up on my credit at all - now it shows as delinquent and in bad standing even though I am paying what I initially agreed to and I will continue to pay what I agreed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an an account with XXXX XXXX Since XXXX of 2016 and have always done monthly payments of {$200.00} to them. I always call and send that exact amount every time and it never changes. Next thing i see i get a 30 dyas late on my credit report from XXXX XXXX on my credit report for {$11.00}. I do n't understand what was going on. i was never notified that there was a difference in the monthly payment that month or that there was a remaining balance. Money is n't an issue for me as i work very hard to pay all my bills. Now my credit is hurt over {$11.00}. I am asking out of goodwill if this can be adjusted and fixed so i do n't have a discrepancy on my report over {$11.00}, If i need to pay the {$11.00} or any other balance up front i will have no problem doing so. Please advise as i am shopping for a new home but now the underwriters are telling me that because of my late payment on my credit report it may not be  possible.

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 04-04-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (GA).
Issue: Managing the loan or lease

Complaint: Opened an Auto Loan from Chase and made my first payment ~10 days early. Chase calls the other day and tells me that my first payment is late, DESPITE seeing the payment I had made on my account. When I explained to the representative who called what happened, she said that if you make payments via the automated phone system, then the payment will go to principle sometimes. She said she would take care of it but I still do n't know if this impacted my credit or my standing with Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Left numerous voicemails that my local sherriffs dept would file a warrant for my arrest unless i paid within 30 minutes, they would find me and arrest me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BANKERS HEALTHCARE GROUP (PA).
Issue: Charged fees or interest you didn't expect

Complaint: In the beginning of XXXX XXXX, I borrowed money for business from a company. They said I was preapproved for {$100000.00}. I agreed to take only {$65000.00} at the time. On XXXX XXXX they deposited {$64000.00} to my personal checking account and they sent me a bill for {$72000.00} at 11.99 % APR. The {$8000.00} was added for document fee insurance, and reimbursement fee. I got a call around XXXX XXXX from the company and they said that I left {$35000.00} loan that I was approved and the agent insisted I that I take it. I agreed to take it. They deposited {$34000.00} and sent me a bill for {$40000.00}. I was charged {$5500.00} on document fee, insurance, and other fees. I paid off both loans on XXXX XXXX. They reimbursed me only the reimbursement fee that they addedin the beginning of the loan, which was {$2200.00}. When I researched the complaints that other customers of this particular company made, I learned that the company waives the insurance on the loan, if the borrower has life insurance. But, I was not asked if I had life insurance, which I had. But, they simply added {$4500.00} and {$2400.00} on the first and second loan respectively. Both insurances fees accrued {$1600.00} in interests over the course almost two years.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On  XXXX   XXXX  at  XXXX    XXXX   I received a voice mail from Ocwen stating that the message was " an attempt to clergy a debt. '' On  XXXX   XXXX  at  XXXX   XXXX  I received the same call with the same message. I am certain that this is a violation of the FDCPA.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Between mid-XX/XX/XXXX and XXXX 2017, hackers gained unauthorized access to certain files at Equifax , Inc . 

Equifax announced this security breach on XXXX XXXX, 2017. 

I went to the website Equifax set up to address this issue, equifaxsecurity2017.com, and once I entered my last name and partial Social Security number, I received this message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have taken action to place an initial 90 day fraud alert with Equifax that is supposed to also go to XXXX  and XXXX. 

While I understand that this event was not anticipated by Equifax, I feel that Equifax did not take strong enough precautions to protect my personally identifying information. My name, social security number, birth date, address, and possibly driver 's license number and credit card numbers, could be in the hands of people who could sell it. I am concerned about potential identity theft and I also feel like Equifax should have notified the public sooner, particularly those individuals affected.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with DISCOVER BANK (LA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This company is still reporting a account on my file after i been notified that i have been a victim of identity theft and that i have all the necessary paperwork filed and police reports to support my claim. I 'm in the process of getting a mortgage and this account is hurting me and it is being listed as bankruptcy. I also have a fraudulent bankruptcy filing that I 'm working with the courts and the government to get that issue rectified. I have been dealing with this issue for years now with all my personal information being stolen such as social security number, address, DOB, phone numbers opened under my name and bank accounts opened under my name. I request this company remove my name and social from this account immediately and mark it as fraud so if i choose to do business with this company in the future this issue wo n't stop me. I have attached my police reports and FTC fraud identity theft affidavit which has a letter from the government showing that my identity was stolen in a cyber hack also.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Payday loan) with The CBE Group, Inc. (ID).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I continue to receive call from a company called CBE Group XXXX. The have left me voice mails telling me that they will issue a warrant for my arrest if I do n't return there call. They have contacted my family members and told them the same thing. They call my work and when I answer the phone they hang up. This is been going on for over a year now. The debt they are trying to collect on is from 2010 and was discharged in my bankruptcy in 2011. I have voice mails that I have saved on my phone and I have my family to testify to the calls that they have received. I spoke to them a few times and told them that this debt was discharged in bankruptcy but they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In my credit report there are XXXX accounts of american express these accounts do n't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Medical) with Io, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Provided no proof of debt during disputes and I have continuously disputed the debt with a credit reporting agency without any information on what the debt is from being provided by the organization.

Company response to consumer: Closed
Consumer complaint received 02/16/2017 about Credit card () with WELLS FARGO & COMPANY (PA).
Issue: Closing/Cancelling account

Complaint: I have long ago paid off my credit card account that was in collection with Wells Fargo Credit Card Services. I 'm asking desperately to please have this account deleted from my credit report hence the fact it 's preventing me from making any financial decisions in the future such as applying for a loan to buy a house or saving for retirement etc. even Wells Fargo themselves continually denies me for such things even though I 'm qualified. Nevertheless, I would like this matter settled.

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 03-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Sometime between XX/XX/XXXX and XX/XX/XXXX I asked for a lower monthly payment, as I was suffering financial hardship. I was given six months forbearance instead. Now, on XX/XX/XXXX, I again asked for a lower monthly payment. On XX/XX/XXXX, I received an e-mail from Navient with a document stating that I had been granted 2 months forbearance, but had been denied the lower monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: I have been a Wells Fargo Customer since XX/XX/XXXX and have never experienced such injustice with this banking institution. On XX/XX/XXXX I called to check my balance and was shocked when I heard I had {$200.00} In overdraft fees. None of my bills are automatically debited from my account so that immediately did not make sense to me. When I spoke to a banker she informed me that my account had been debited for {$300.00} and thatts how I came to have the {$200.00} overdraft fee. She gave me the companies name and I assured her that I never authorized a payment. She then transferred me to the fraud dept and they assured me that my money would be returned including my overdraft fees. A few days later I called back to check on the case ( case # XXXX ) and was told by another fraud dept representative that the case was just sitting because it was not listed as an unauthorized payment. To add insult to injury my paycheck came in my account through direct deposit days later and the {$200.00} overdraft fee was paid out of my hardworking money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Mortgage (FHA mortgage) with FIRST GUARANTY MORTGAGE CORP (CA).
Issue: Application, originator, mortgage broker

Complaint: I am currently involved in a construction loan with First Guaranty Mortgage Corporation. This is an FHA construction to permanent loan that was approved at the beginning of 2015. I initially had a good faith estimate done and agreed to the terms. During the process the company changed my amounts and interest rate from what was quoted me stating that my paperwork I signed was out of date. They proceeded to increase my rate along with requiring more of a down payment. During this time I started building the home grading and such to keep my progress moving forward so I incurred costs that were built into my loan for reimbursement. I submitted these to FGMC as the actual line items on my loan from the budget we created. I was told that these will be prepaid payments and not reimbursable. These amounts were built into my good faith estimate and when I received final docs the loan changed by these amounts. Prepaid items became deposits and the amount for withdrawal for my construction build shrunk by approximately XXXX. I confronted them about this and they explained that I still had a 10 % overage built into the loan. I asked them to point this out in the loan but I was ignored and come to find out this is not in the loan. I have asked for an increase in the loan to cover the amounts of my first reimbursements only to be humiliated by the loan company stating that " with the contractors and my experience they do n't see how this could have happened ''. I 'm trying to scrape funding together to complete my house but so far no luck. My warning to all would be if you are looking for this type of loan, do not use FGMC. By the way I have completed a home in the past using XXXX. I did very well and ended up selling this previous house for a profit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2017 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report 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 non-monetary relief
Consumer complaint received 11-04-2015 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt resulted from a misrepresentation of a company employee. Information regarding debt and reporting dates are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (I do not know) with FirstPoint Collection Resources (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Firstpoint Collections is currently trying to collect on 2 debts that I 'm not responsible for. They are reporting these damaging fraudulent accounts on my credit even after I disputed the fraud and sent the police report. This is very unprofessional and is unethical. i fell my rights are being violated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with FACTUAL DATA CORP. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There was a judgment filed on me several years ago, but it has been paid in full. The judgment is still showing as active. My wife and I refinanced our home in 2012 and at that time we paid off the judgment. I will attach a copy of our HUD Settlement Statement.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Problems caused by my funds being low

Complaint: I am submitting a complaint in regards to my personal checking account with US Bank. My account was overdrawn twice between the dates of XX/XX/XXXX. I made a deposit on XXXX XXXX and the balance in my checking did not appear as more XXXX on that date and nor did the daily text alert on my phone registered as my account being overdrawn more than XXXX. The following Monday on XXXX XXXX I check my account it seen it was overdrawn by XXXX and I check the transaction and notice the discrepancy. I contact to US Bank and spoke to a representative I which he refuse to waive the overdraft fees stating it was valid. When I explain to him I was not given the correct balance information from the ATM machine and daily text alert. He informed the text alert is not real time information but up until that date every representative assure me it was. I encounter this same problem back in XXXX of this same year, and when I went into a branch a banker waive the fee once I show him the information I have received as far as account balance. The representative informed me to go into branch for farther assistance. I went into a branch located in the downtown area of XXXX, Il. I spoke with a Branch Manager after XXXX minutes of digging through my account and asking me various questions that did have not anything to do with the issue I present to her refuse the waive the fees due to the discrepancy and through to admit it was a valid discrepancy. She proceed to tried to sell me a line of credit and than a secure credit card, which I found to be distasteful at the least. I think it was unfair not to waive the XXXX overdraft fees and especially after the branch manager herself stated it was a valid discrepancy but stated if they refuse to do it over the phone I am not doing it neither because you had XXXX in overdraft fees waive within a year which I know to be untrue. I had to file a fraudulent claim in XX/XX/XXXX and still have the documentation to support it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Late fee

Complaint: I have been charged late fees on my Barclay 's MasterCard ( credit card ). 
I collect Social Security and make all my payments on or around the XXXX of each month ; in line with when I get my Social Security check ( on or around the XXXX. ) I recently looked at my Barclay 's statement and saw that they 've been charging me a large late fee - almost every month - since almost 2105. 
I sent them a XXXX-page letter along with a printout of their spreadsheet about my account. From that letter and the spreadsheet, you can see that I 've always made my payments ; how they credit my account is NOT correct. 
They have sent me a letter asking me to call. This is not feasible ; they 're most recent letter to me makes little sense.

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