milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MA).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX my husband lost his job due to a company merger. We immediately initiated the process for unemployment insurance and also started the mortgage forbearance process with Freedom Mortgage to ensure we did not lose our home. Since XX/XX/XXXX, I have had to submit additional information five times to comply with the more stringent standards of our FHA loan, and I did this willingly. However, several of the requests were for pay stubs ( mine and my husband 's unemployment payments ) for the most recent 30 day time period because time had lapsed between Freedom submitting the information to the underwriters and the information was considered out of date. Each time I called about this, I was assured by a Freedom representative that this would be the last time the information was delayed and that our forbearance packet was complete and would be submitted. Low and behold it is the end of XX/XX/XXXX and we are still on this stressful merry-go-round except we are back to square one. Freedom Mortgage lagged once again in getting everything to the underwriter and the entire submission expired. I now have to resubmit all documentation and include updated items. I was also told that I should call every day to check on the status - I will do this, but I really hold no hope in this helping.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (VT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX  has a report that has not be accurately adjusted on the account holder 's credit report. The report states that the account is negative and unpaid. On XX/XX/2017 the account has been resolved with XXXX XXXX, XXXX and the account has been satisfied and closed. The XXXX XXXX, XXXX has failed to share this information with XXXX XXXX XXXX, XXXX XXXX XXXX  has failed to accurately update the information that was originally reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (FHA mortgage) with Fay Servicing, LLC (PA).
Issue: Struggling to pay mortgage

Complaint: I am with  Fay Servicing  and I was sick with  XXXX  and fell behind   XXXX   months. I was paying  XXXX  month at a time and then when I saved enough to pay  XXXX  months they send me an Act  XXXX  when I was not even   XXXX    days past due. I applied for a modification and was denied because the investor stated I had a modification in   XXXX   XXXX   at which time they raised my interest to 6 %. I am filing an appeal but I understand that I should not have received the Act  XXXX  until I was   XXXX   days delinquent according to your   XXXX   XXXX   XXXX    XXXX  day rule in PA. Please help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 10/21/2016 about Debt collection (Credit card) with Van Ru Credit Corporation (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company called Van Ru Credit Corporation located at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX, is continually sending me letters to collect a debt which has expired. They have not removed this debt from my credit report either. Even the letters state that the debt has expired. If I contact this company directly, the 'clock ' will start running again and even states as much in the letter. The original debt was less than {$300.00}, but they have inflated it to {$2200.00}. Can you help me. I am a XXXX veteran with limited resources, but still need a good credit rating like everyone else in this country.

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 07/21/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a collection notice from a subservicer of my mortgage company. They said that I do not have documentation regarding hazard insurance and threatened to buy insurance for me. This is in spite of the information having totally transferred over from the previous sub-servicer and the information actually being online.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The original creditor, XXXX XXXX XXXX never sent me a bill explaining my balance. They did keep my {$2400.00} deposit. I was unaware of this balance until i pulled my credit report. I called the corporate office several times and was told a manager would call me back and never did. I have never received a letter from the apartment complex or Hunter Warfield the collection company. They have however added {$2000.00} in fees. I have mailed letters to Hunter Warfield asking for proof of this outrageous balance and demanding proof of this debt. I have gotten no response from the collection company or the corporate office.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Purposeful misrepresentations, Abusive tactics, Obstructing Hamp modification. 
Applied for XXXX refinance due to lost income. 
1.Green tree representatives, kept pressuring for payments during loan modification approval period, by using abusive language. 
2.Would not give status of modification without payment of past due balance. 
3. Misrepresented that we had to have our payments current for the Hamp review committee to approve our modification4.Would not give name of supervisor when I confronted representative about abusive behavior. 
5. Called XXXX times per day during the Hamp trial period. To tell us that our loan was in default and we needed to pay the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Credit card protection / Debt protection

Complaint: I applied for the Barclays Gold Luxury Card under the impression that annual fees for XXXX military would be waived while I was in possession of it and maintained good standing. I received a letter stating this and also followed up with the organization late in XXXX to ensure there were no changes in store. I was assured that no changes would be made for military members. 

The intent of my application was clear, however I just received a letter stating that I will be required to pay a {$990.00} annual fee beginning XX/XX/XXXX. I feel I should be grandfathered into the annual fee waiver as I applied before this changed as a military member. Additionally, this will financially impact me negatively.

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 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: FEW ACCOUNTS IS NOT EVEN BELONG TO ME, AND IT STILL SHOWING TO MY CREDIT HISTORY AND THOSE ACCOUNT ARE DAMAGING MY FINANCIAL LIFE

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 01/23/2017 about Debt collection (Medical) with First Federal Credit Control (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX was charging me double the charging of medical treatment before I had insurance. So when I set down with there medical billing department. I qualified for a program that paid my previous bills due to hardship. Also they paid the rest of the bills from XXXX all the way to XXXX. They printed from their screen that my balance was XXXX I did n't own anything anymore. I turned the papers in to XXXX they sent back their report telling me that this company will stay on my credit report until XXXX XXXX. I also came across a page that XXXX had written in file that I have n't worked in three years how can I pay these debts off. So score is staying at XXXX because of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: American Express has my cellular phone number entered into their robocall system. They call multiple times a day 7 days a week, all from random phone number. This is annoying and I consider it harassment. They need to stop. I have no desire to speak with them and I 'm filing bankruptcy soon. 

They 've called from the following XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: During the middle of XX/XX/2017, I applied for the Brand Source Card at XXXX XXXX located in XXXX XXXX. I spoke with a customer service representative via phone to verify all of my personal information ( SS #, DL #, etc ) including my income. My information was verified via the Credit Bureau. I was approved immediately for a {$4000.00} credit line to be used solely at XXXX XXXX. Fast forward to two months later, and they are currently requesting my income tax return when my credit limit is not even high. I called their customer service department today and advised that their business is shady and they only approved me for the credit card in order to finalize the sale with XXXX XXXX. I advised the representative, who did not identify herself, and gave her my authorization to speak to my wife. She advised my wife, that they were notified by an outside source that my income had changed significantly and that is why they are requesting our income tax return. Since I experienced identity theft before, I do not feel comfortable sending my tax return information to this credit card company. I advised the representative to close my account. It is unfortunate that XXXX XXXX has lost our business. With all due respect, this is a store credit card. I have owned several credit cards through out my life and have never experienced this bizarre and unethical situation with a credit card company before. I researched Brand Source Store credit card issued by Citibank and there are several negative reviews posted by account holders which describe shady business practices.

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 10-08-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Closing/Cancelling account

Complaint: Chase Bank, USA, NA sold my credit card account to XXXX XXXX XXXX without notifying me. I did not agree with all charges and different products billed to my account. XXXX sued me using a bad process server and my wages have been garnished for 4 years. I recently learned of the Consent Order that Chase entered into with CFPB and would like to know if my Chase account qualifies under that Consent Order.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have submitted complaints before and I will do so one more time, I have several and I mean several inquiries on my reports that are from the years XX/XX/XXXX-XX/XX/XXXX that do not belong to me, and I have no knowledge of. I have called the creditors and they say they can not remove them call the bureaus, I call the bureaus and they say they can not remove them, well, last month we went through this same thing I sat right next to my brother as he called all 3 bureaus and he had 30+ inquiries removed just by saying they were not his, in which they were not his they were made from a different state that he does not reside in, I called and wanted mine removed and I was told they could not remove them. I have tried to dispute these with the bureaus by sending in letters and calling again nothing, sent in a complaint and again nothing, well, I just seen and took a screenshot of another lady who called all 3 bureaus and got 66 inquiries removed in one call, but I can not get just the ones I know are not mine removed!?? I believe this to be a discriminatory issue that I will indeed address accordingly! I am absolutely tired of seeing and hearing with my own ears people calling and having inquiries removed no questions ask, but mine can not be removed. There are some on my report I do have knowledge of doing, but the ones I want disputed were during the time of the death of my mother and I know for a fact I did not do them because I had no access to any kind of internet or phone during that time!!!! I am asking once again that this situation be addressed or I will be going further with my complaint!

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 12/13/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX, 2017, While checking my bank statements, I noticed 2 charges on my account that neither my husband or I did not make. I immediately called Regions Bank to notify that my account had charges we did not make and asked that they be denied or to stop payment as transactions were pending. I was told they cant do anything until the charges clear. I said I did not make them but still was told nothing they would do until cleared, it could take up to 10 days. The charges were international and I stressed I did n't make them but nothing would be done until they cleared, So they paid out {$730.00}. XXXX from my account charged me international fees and overdraft fees then denied my claim saying that they were verified charges. If I had any further questions to contact the merchant. How? I asked I ddnt know the companies the charges were made from and internationally? Didnt that raise a red flag with the bank? I have never ever used the cards out of the country, I have not been out of the country. Sorry they said transactions were verified. I dont know how. What else can I do?

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 02-02-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am not surprised Navient is being sued/accused of Bad practices. It all makes sense now. I wanted to apply for a REPAYE repayment plan however Navient customer representative on the phone said I had to apply for the INCOME DRIVE PLAN ( even though I did qualify for REPAYE ) because its the same thing as the REPAYE!!!!!!!! ... ... ... ... ... ... .really!! The Rep finally admits with SHAME in his voice! that they are different and continues my application process. Can't believe they train Navient employees to LIE & misguide us. To catch them redhanded had me disgusted. I then submit my papers required to apply for the REPAYE plan ( submitted via FAX, upload file on site, and uploaded file while on phone, emailed them too ) .. They some how never received it for over 2 months .... Finally after 2 months of calling/following up/waiting ( and continuing uploading of files ) I call them yet again and they tell me that they decided to finally push my application to start the process ... ... After 3 weeks MORE it gets processed. Now They charge me no where near the 10 % of my income that they are suppose to charge me and I end up arguing with them again for weeks until they finally decide to lower my payments to the amount the GOVERNMENT REPAYE program plan should be. This company makes you feel like your in your local car dealership. They LIE, Manipulate and mis-guide you in order to make you pay as much as possible per month. Can't believe this company does business with our government. Disgusted

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been disputing things on my credit report and just yesterday my score  XXXX   XXXX   XXXX  Eq  XXXX   XXXX . I went to check it again because I am currently rebuilding and low and behold my   XXXX   dropped  XXXX  points and there were no changes on my report. I do n't have any new accounts, nor have the age changed on any of my accounts. My Credit Card usage is under 30 %. The  XXXX  are trying to discourage consumers into disputing anything on their report and this is not fair. I 've been working hard to acquire a higher score because I would like to buy a home. This is such a discouragement. In the attachment I understand these are  XXXX  Scores yet it still was a tremendous drop.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (I do not know) with Ditech Financial LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We have requested identification of original debt for this debt collector. We do not have any open debt that relates to the account # they are claiming. Furthermore - despite repeated attempts for copy of original debt, we have received nothing. We are receiving sporadic debt collections mail, pre-recorded phone calls. This harassment is impacting our health as well as our credit rating and want this to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: CitiMortgage refuses to refinance and reduce rate

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: So I received a notice from CFPB that the XXXX agencies were working on my issue still and would not get an answer for up to XXXX days from the XXXX agencies who would be checking into the my concerns with a collection company called XXXX XXXX and XXXX Bank. Since my response and uploading documents proving I did dispute with the XXXX credit agencies of which the say they had no record of, I have recently received these additional XXXX response letters from XXXX of which I think is somewhat of a retaliation to my original complaints regarding their incorrect reporting. You will see that in the body of the letters to the upper right hand side ( circled, arrow & stars ), they are still unwilling to change the balance of debt to read " {$0.00} '' and keep reporting that I owe them all this money. There should be not indication of any balance due them or XXXX Bank anymore on any correspondence or public records since all the accounts I previously had with XXXX had already been discharged between XXXX & XXXX before XXXX XXXX sold their business accounts out to XXXX Bank. XXXX who is now working with XXXX XXXX both are to still trying to collect on these funds from me and reporting this on all XXXX credit reports as of XXXX/XXXX/2015. I need for all the accounts under both XXXX and XXXX Bank to be totally erased from all XXXX credit reporting agencies ( XXXX, Transunion and XXXX ). I have attached below these letters I am referring to. I am sure there will be another letter on its way because there was a total of XXXX accounts with XXXX XXXX to include XXXX XXXX not included.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief