milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Loan Servicer ( Green Tree, Ditech ) ruining my credit, deformation of character, false statements, lack of ability to provide documents, lack of proof of payments made, and poor and rude customer service. 
Original Loan Number XXXX Loan Type 2yr Interest Only Adjustable Rate LIBOR mortgage Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Hi XXXX The current mortgage note servicer is servicing a loan for XXXX or XXXX XXXX XXXX. The servicer was originally XXXX then XXXX and now Green Tree Aka DiTech. The " NOTE '' or ARM they claim to be collecting on was never signed by me and is not filed along with the other note and documents in the bureau of convenience in the State of Hawaii. It says I signed it the same day of my Securities Instrument which was said to be signed on XX/XX/XXXX. I signed all my documents on XX/XX/XXXX in front of a notary. It is very suspicious that the note that they claim is reason for them collection has no date next to my signature and is missing some of the J and the K is signed not like mine as it never touched mine touches 99 % of the time in the middle. Further this is now said to be held in Asset Back Securities which XXXX just got sued over by XXXX ( cert holder for my note ). Read here XXXX. Further XXXX is said to be the mortgagee of the note and only legal title to property. The sent me a truth in lending document signed by me supposedly showing a loan amount borrowed of XXXX and my mortgage document says XXXX which again is odd and shows poor truth in lending. To add to it the Notary and Loan officer at XXXX in XXXX XXXX Hawaii where or are husband and wife and there is allegations of him using her notary to falsify documents.These documents Ditech is claiming to have that allow them to collect or try to collect this debt are fraudulent, represent nothing, and hold no value to their claim to collect a debt. They have no idea even who the mortgagee is, the ability to provide proof if paid in full of turning ownership over, no grounds for collecting this debt, failure to diligently provide and prove that this is in fact a valid debt. I have tried time and time again to iterate this to them and it has failed. I am settling this matter with XXXX regarding the loan this Weds. XXXX/XXXX/XXXX and it has been once dismissed without prejudice in Hawaii District Court and has been further quitclaim by the condo association. Until these numb nut DiTech collecting company can provide adequate verification of debt, writing from mortgagee ( signed stamped notarized ) that in fact if I pay this debt off I have sole ownership and no futher legal issues. Proper documentation of servicer company, mortgagee note holder, and the bank that is certifying the asset backed notes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Mortgage (FHA mortgage) with NVR INC. (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX XXXX, my husband and I applied for a mortgage through NVR Mortgage ( NVRM ). In the application process, my husband indicated he had just become self-employed in XXXX XXXX. With our application, we deposited {$5000.00} for the new build. Our contract stated that in the event NVRM terminates the loan due to circumstances beyond our control, our deposit would be returned. 

On XXXX XXXX, XXXX, my husband and I were preparing to close on our new home when we received a phone call from NVRM stating that they have " more conservative lending rules '' and would require at least 2 years of self-employment status in order to approve us for a loan. NVRM referred us to a different lender to try to get an exception to the 2-year rule, however, the new lender never provided a determination on the exception. We were later turned down for the loan, but NVRM based the denial on low credit scores. I contend that credit check was performed subsequent to NVRM 's inability to qualify us due to the short length of self-employment. 


Following that discussion, my husband and I met with other lenders, talked to mortgage brokers, and conducted independent research to learn that there are no exceptions to the 2-year self-employment status. 

On XXXX XXXX, XXXX, I sent an email to NVRM,  requesting that our {$5000.00} deposit be returned in full, on the basis that my husband would never have been pre-qualified for a loan because he did not meet the 2-year minimum requirement and that their claims that an exception could be made seem false. NVRM has not agreed to return the {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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 been trying to get the released tax lien from 2001 Outdated information. I 've written letter after letter. HELP I 'm trying to buy my family a home!

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Act , 15 U.S.C. 1681g  I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) (  A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd pa rties you are damaging my reputation and credit worthiness.  <P/> Under the FCRA  15 U.S.C. 1681i,  all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.  <P/>  XXXX   XXXX   XXXX  " NO ACCT # '' UNVERIFIED/NO 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 explanation
Consumer complaint received 06/22/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2015 I reported XXXX false addresses that appeared on my deceased mother 's ( XXXX XXXX XXXX ) credit report. I wish to have these XXXX addresses removed. 
Former XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX of Deceased Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Consumer Loan (Vehicle loan) with VW Credit (FL).
Issue: Managing the loan or lease

Complaint: My complaint is against VW Credit. I opened a loan at a VW dealer with them on XX/XX/XXXX. The dealer is another story which has to do with the finance department whose best practices are terrible. They did not even go over the paperwork with me which is why i got, excuse me, screwed. If you think that would be a good complaint, then please let me know. But for now, lets just take VW Credit. I worked in the computer banking service bureau environment for over 25 years starting in the late XX/XX/XXXX, so i know all about banking which includes credit bureau reporting. I worked with XXXX and XXXX in the dark ages and know how reporting is supposed to be done. The credit bureau reporting of VW Credit is horrible. It is not consistent ( monthly ) reporting and some fields are inaccurate and field accuracy is different between what they report to XXXX and XXXX. A big problem has been that they keep reporting my monthly payment wrong and also the date of last payment, and did i mention they have sporadic updates? yes i know i did. I have a very good credit rating ( high XXXX ) and have made a couple of bad financial decisions and under normal circumstances, i would not even report this, but these people need some talkin ' to about their procedures. Their monthly statements do not even have a stmt date on them! As for the monthly payment, originally it was {$320.00}, but when i decided they screwed me on the Extended Warranty and Gap insurance ( this was a 3 year lease that came back that i bought ), that was taken off and it went to {$270.00} and every since it has been reported wrong. It is all wrong and i have the copies of the credit reports to prove it. Like I said, this has been exasperating to me. I am at the point where they told me now I have to send them a letter to be sent to the upper management. A special letter. This was after XXXX or XXXX attempts to have them correct their procedures. I also must say that this has made me go to a credit union and I am in the process of taking the loan away from this probably by next week. I talked to a CFPB agent and she told me that would not matter. This is a HUGE lending company and they are so far out of compliance it is not funny. So I will follow what i am supposed to do next to provide the documentation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: You closed my account because you found it to be beyond the statutes of limitation. However, in XXXX you filed a form XXXX with the IRS for XXXX income in the amount of XXXX You should notify the IRS that you opened the account incorrectly, closed it due to an error in filing it, and filed the form XXXX in error. Thus far this has cost me close to {$2000.00} in payments and interest to the state and fed government. The money is being deducted from my refunds, taken from my bank account and now my social security is being threatened. I live on a fixed income and can not afford to lose any more of my hard earned money. 

This was never my account. It was opened in my name by a thug

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experience will not investigate unusual reporting of my identity. I have sent document proving I have never gone by the name XXXX XXXX. That I do not have a SS # that ends with XXXX. And that I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I am attempting to improve my credit and I am concerned that someone at some time used my information or that my information is crossed with someone else and want it investigated. They did not investigate. There are XXXX social security numbers on my report and they will not look into it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a mortgage and other credit information that is not mine on my credit report. There is a woman that has been using my credit fraudulently for over 17 years. She has several collections that show on my credit report. I would like them removed. She has a couple different names showing.

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 08-09-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AK).
Issue: Loan servicing, payments, escrow account

Complaint: Inadvertently missed a mortgage payment at Wells Fargo. Received +/- 15 robo calls at all hours. On picking up and saying hello, the line went dead. Finally, on Sunday XXXX XXXX, a live person was there and explained the issue which I corrected online immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I moved in XX/XX/XXXX. I made numerous notifications to XXXX XXXX / Chevron regarding this change of address and subsequent transition to a new email address. In XX/XX/XXXX, I closed the account due to the inability of XXXX XXXX / Chevron to accommodate these changes and properly notify me of any monthly dues in the form of a statement ( both US mail and e-mail ). I closed the account in XX/XX/XXXX and recently discovered that XXXX XXXX / Chevron retaliated against me for this closure and reported a 30 day late on XX/XX/XXXX. This revengeful act occurred because my last few conversations with XXXX XXXX/ Chevron were unpleasant. I have contacted them regarding their intentional maliciousness against me an entire 3 months after the account was closed.

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have XXXX hard inquiries for XX/XX/XXXXon my Equifax credit report. Only XXXX of them belong to me : 1. XXXX 's XXXX ( XX/XX/XXXX ) and 2. XXXX XXXX ( XX/XX/XXXX ). 

For the other XXXX inquiries I did NOT sign a credit application or otherwise complete any authorization to review my credit. The Equifax rep in XXXX (??? ) said I must contact each company and resolve this on my own. My lawyer said the Equifax fraud department, who I asked to speak with, should handle this since they are responsible for confirming everything they put on my credit report. 

Can you please help me get this straightened out? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I anticipated bill problems a number of years ago due to upcoming surgeries. It was suggested I " default '' on payments and seek forbearance after the surgeries/rehab. I did. I was under the impression it would not negatively affect my credit scores. It did affect my credit history negatively! ( XX/XX/XXXX and XX/XX/XXXX an the next year XX/XX/XXXX-XX/XX/XXXX ). 
I attended the University XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (AL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: West lake financial claims they did not receive my XXXX payment of XXXX. I was not informed about this until XXXX. When I contacted customer service they said they needed proof of payment. I sent them the attached bank statement which I had to get from my bank, showing where the amount was taken out of my account on the due date. They replied saying they needed to see the whole month of XXXX. My bank sent it to them and they claim it was insufficient and they need the transaction number. The customer service rep then said if we do n't receive payment today they will repo the vehicle. I believe I have shown them sufficient proof of payment, they took my money now I want it to show on my account it is paid. They also hit my credit report with a 30 day late payment that I want taken off. I have been paying on time and they have no right to be doing this to me or anyone else!

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing statement

Complaint: On XXXX stmt. there was a late fee of XXXX. I made my minimum pmt and would look into this later. XXXX statement there was another late fee of XXXX. I called to dispute them and a supervisor agreed to issue me a credit. however the credit would go to the balance on the account not the minimum payment section where these charges are put. When i questioned him about this he said this is the way their computers are set up so if i did not pay the minimum amount this would continue to happen. I now owe them XXXX in later fees. But i continue to pay them my regular payment.

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 12-01-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I sent out a certified letter to a collection company to validate a debt that they claim is mine. I specifically ask for a copy of my contract with my signature on it that Prove this is  my debt. On XX/XX/XXXX I received a letter from the company telling me that they can not verify that the debt is mines but did not mention to delete it from my credit report. They are in violation of the Fair Credit Reporting Act. They did not respond with validation and proof that this is my debt. I feel like Ive been denied my rights of debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: XXXX verified yesterday a collection account, XXXX XXXX XXXX, account number XXXX.This account also appears on Transunion and XXXX and has been verified by those two bureaus although they are in reinvestigation at the current moment.This account should not appear at all on my report as I was covered by insurance XXXX Covered California.I previously filed CFPB complaint XXXX against XXXX XXXX XXXX who responded that the original creditor said I was uninsured but they were still investigating and would respond later yet they are still verifying this debt with all 3 credit bureaus as correctly reporting.The following is what occurred : I received a severe XXXX XXXX on XX/XX/XXXX.In order to have the required XXXX I had to apply for and receive and have verified XXXX  coverage.I did so and had the successful XXXX at another hospital other than the original creditor here. The insurer also said that ALL MEDICAL TREATMENT RELATING TO MY XXXX WAS COVERED as was this billing here related to my XXXX XXXX.I would like this error deleted from my credit reports

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 09/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is an old account. I made attempts to contact the collection agency to work out a payment plan which they did n't accept. I 've since received numerous calls. It has become uncomfortable and distracting taking these called while I 'm at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2015 about Debt collection (I do not know) with Vision Financial Corp. (MA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Caller keeps calling multiple times Daily from different numbers with same area code of XXXX ( Massachusetts ). Does not state company name or purpose of call. Continuously asks me for my social security number and to verify the last XXXX digits of my social that they have on file and my address. This is not the normal behavior of a debt collector. I 'm scared and feel as if these people are trying to steal my identity and keep Harrasing for my social security number and personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently received a copy of my Experian Credit Report ( XXXX ) on XXXX/XXXX/2016. For several months I have been disputing what I believe is a questionable Hard Inquire from XXXX XXXX XXXX dated XXXX/XXXX/2016. I have disputed the inquire with the XXXX other major Credit Bureau and upon the completion of there investigation they determined that inquire were to be removed from my Credit Report. Experian continues to refuse to remove the mentioned hard inquiry from my Credit Report and continue to deny my right granted to me by the FCRA. If the other XXXX major credit bureau conducted there investigation and determined to remove the inquire from my credit report it could only result in the ethical and trust worthiness of how Experian handles disputed items from 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 non-monetary relief