milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (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 noticed that my mortgage company Ditech reported to the credit bureaus that i was 90 days late, I opened a dispute in all three agencies because I have never been late. Ditech offered me a forbearance plan due to my home was impacted by Irma Hurricane in XX/XX/2017, the forbearance was for 6 months, I kept making payment to escrow and interest during that time. Ditech sent update to the bureaus but when i checked still showing that I " was recently late '' or '' missing payment '' or i '' have a negative impact '' in my report, those remark still affecting my FICO even though they updated the Ditech info under the account. My FICO dropped 70 points and I spent hours trying to have this resolved but they put me on hold for hours and I cant spend more time trying.I just want the information to be 100 % accurate and have my FICO score back up. 
I was denied an important loan last month and i am about to loose a purchase deal.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Other debt) with KelKris Associates Inc (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: this company is reporting a negative debt on my credit report i have prev sent in a req to provide the contact i signed and all they have provided is a statement with charges i do not have a contract with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Medical) with LJ Ross Associates (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: i paid off all accounts with understanding that it would be removed from credit report. it wasnt and when i attempted to contact them and have it removed they said there is nothing they will do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03-03-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Trouble during payment process

Complaint: In last two months I tried to make online payments with Wells Fargo and select a date to send the payment. The calendar appears but the website will not allow you to select a date other than the day you are on the website. It seems like they are forcing you to make the payment at that time with no choice of the payment date.

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 05/31/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have a federal student loan serviced by Nelnet. Every month I pay more than the minimum amount due. I discovered that the extra money is not getting applied to the balance. Instead they are allocating it towards the following month 's payment.     I contacted Nelnet about this in  XXXX   of 2017, sayin g that I wanted my extra money to be applied to my balance, not to advance the due date of future payments. When I went to make a payment today (  XX/XX/17    ), I noticed it had n't changed. I contacted them again and was told that my request to not advance the due date was denied on  XX/XX/17   . I was told the due date was going to continue to advance and that it should n't matter. I was told I could apply again, but it would probably be denied a second time.     So borrowers have to make a special application to request that their extra payments be allocated properly, and that the servicer can deny them and basically say " tough luck. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Mortgage debt) with Dyck-O'Neal, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I purchased my property back on XX/XX/XXXX. for XXXX property prices went down called XXXX XXXX XXXX to get a  loan modification. several times and was denied. they sold my loan to other banks. and tried to get a loan modification with no success. so signed papers to do a short sale. they listed the property for XXXX. but they would not sell it to me. So the property finally went on fore closure and they say i owe {$91000.00}. this is outrage. they sold it for XXXX. they wouldnt work with me. and they are saying i owe the. i was also suppose to get XXXX. for moving assistance. that i never got either. this was my primary home. ACCT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was astonished after I viewed my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 60 days past due as of XX/XX/XXXX.
I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit card () with CITIBANK, N.A. (MA).
Issue: Payoff process

Complaint: I defaulted on my Citibank credit card 3 years ago. I have contacted Citibank multiple times to pay off the account but they can not find my information anywhere but are still reporting it to the credit bureaus. It came to the point where someone from Citibank told me to dispute the account with the credit bureaus and see if that would trigger a response to verify the account. The account was removed from my transunion report but was verified on the other XXXX reports. I then called Citibank again and was transferred multiple times and still nobody could verify me or my account and as far as they were concerned I was nowhere in their system. I was also told by Citibank send a fax explaining everything and attach a copy of my credit report for their dispute department. They have not responded. I am not trying to get out of the debt and want to pay them but since I do n't exist to them for whatever reason I ca n't. I am trying to apply for a home loan and this mark is holding up the process. Thank you.

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 06/26/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Application, originator, mortgage broker

Complaint: I sent a letter to all parties that I think might hold my mortgage to telling them that I heard about the supreme court case regarding rescission. Because I filed the notice when I found out I was not getting any cash out of the refi I sent a notice to rescind and have a copy of the actual form. Green Tree replied to my request by asking me to provide proof of the date it was received before the deadline. They are missing the point of the XXXX v XXXX home loans, is that recission starts the moment it is dropped into the mailbox, not when they receive it. I was told at the time that they did not get it before the expiration date. But they did get it. I was lied to by title agents about the terms of the loan. I asked them to honor my request for rescission which was originally directed to XXXX. The right to rescind the loan expiration contingent upon any cash being given out of the refi to be intentionally misleading. I was never told I had to wait until expiration of rescission or that if I did not get cash out I would still be under the terms of the loan. See enclosed letters from both myself and Green tree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Eastern account systems account # XXXX Did n't provide adequate verification for debt. In question no documents were provided showing a contract or signature!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Closing/Cancelling account

Complaint: My XXXX credit accounts where closed abruptly without notice I called in spoke to the security team member by the name " XXXX '' He confirmed that all my account where closed He offered to review my account but he would have place me on hold 3-5 mins he came back and told me unfortunately would they would stay closed, he gave me no options The reason given was " not enough credit on credit file and " too much credit extended '' He also said my account activity raised concerns!! 

I feel bullied, I did absolutely nothing wrong. 

why did chase extend credit to me in the first place. 

Why did n't they just decrease the amount of credit given. 

Im just left with nothing, not XXXX of the account where past due I was gon na pay each line in full this friday. 

no balances where gon na be carried over into the following month I have a XXXX income from being re seller on XXXX XXXX helps me better maneuver during a 30 day period I was n't even given the chance to pay the bill The security rep was very nasty and smug.he laughed when I explained that I would fight this unfair treatment he seem not to care that I 'm homeless with XXXX children under XXXX my credit rating will be destroyed due to XXXX closed account with short payment history. 

I moved up to XXXX to be by my sick mother but now I do n't have enough credit to maneuver each month. 

Chase allows XXXX credit line in 24 month period and extended the max too me so why am I being penalized for something when i did nothing but utilize the credit extended. 

Can someone on the executive level please review my account and re-open my account. 
I can submit financials, identity document, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED 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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Re : Acct # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by TransUnion in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly.
XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

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 12/28/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (PA).
Issue: Account opening, closing, or management

Complaint: Chase bank has hit my credit bureau twice in 2 months without my approval. I called them. they said I applied for credit cards. I informed them I did not. and do not want a credit card. they would not delete the inquiries from my credit. told me to contact credit bureaus which I did. XXXX said to contact chase and ask for letter of deletion. I have not received any help from chase. I 'm afraid they will continue to hit my credit without my approval. I want them to stop accessing my credit. 
I had fraud alert for past 90 days and yet chase was able to access my credit without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I have had a mortgage for over XXXX years, which admittedly was not fully understood by me of how it would work. It was Interest only. Now XXXX years later the monthly payment has increased nearly {$600.00} a month which is impossible for me to pay. The mortgage % rate is currently 5.5 % and I made inquiry with the lender to refinance at a lower rate so that I could make the payments. The response was that my credit rating was too low and I would not be granted a Refinance It was then suggested that a loan modification could be made. I have dutifully responded to the slow responses and requests from " modifications '' with seemingly deliberate stalling. All this is occurring while my mortgage payments that I can make are not applied and I receive threatening letters concerning additional late fees and warnings of foreclosure even as I am trying to find a way. 
The mortgage holder seems content to say my credit is too low to get a lower reasonable interest rate that I can pay in total, even as I as a taxpayer, helped provide funding for the availability of extremely low cost funds to lending institutions through the mortgage crisis. I concede that I was not fully understanding of the terms of the mortgage an the impact it would have later, but I wish to pay the loan off in good faith with some consideration for fair play an common sense. Failing to remove all penalties and lower my interest rate to market rates will force me to be foreclosed. I have paid in excess {$150000.00} in interest with no reduction of principal owed, so the only XXXX losing would be me. The original loan amount was {$260000.00} and now it is {$280000.00}. 
I am single, struggling to maintain a household despite the mounting expenses What I would like to see occur is simple and reasonable and is as follows:1 ) remove all penalties and interest on penalties that have accrued. 
2 ) Reduce my principal to the original amount of XXXX and reduced by what I have paid the last several months that have not been applied. 
3 ) Make a loan modification of using the adjusted principle and an at market favorable rate for a 30 year fixed mortgage ( it makes no sense that I should continue to be held to a higher interest rate, when a lower rate will allow me to be solvent and a good debt repayor ) 4 ) Retract any negative credit notations applied this year. 
The lender is indifferent and after researching, has had many complaints from honest people trying to make good & gt ; I would seriously have expected them XXXX quickly wish to engage me when I first notified them I ( and they ) are in peril. Please help to engage them in being reasonable. I helped bail them out via my tax dollars, now I need the assistance with a reasonable and achievable debt repayment plan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Constar Financial Services, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am in receipt of correspondence stating that I owe {$120.00} due to XXXX placing my account with a collection agency. I have never had an XXXX account and have never made a sale or purchase on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Application, originator, mortgage broker

Complaint: I was denied a home loan by Wells Fargo after submitting multiple consumer credit/loan applications with branch employees in XXXX XXXX, NV in XX/XX/XXXX. I have received emails from the institution for years warning me of various account changes despite my not having any accounts that I know of with them. I received emails stating my account was opened, changed, debited ( overdrawn ), or somehow accessed ever since submitting those applications for loan products ( mortgage/home loans ). These emails looked very legit and came as regularly as any open account would receive notice from the bank. I reviewed them for phishing and while they looked legit, I knew I did not open any accounts on the few occasions I entered the bank 's branches and submitted apps or inquired about products even though each visit required I provide the bank 's staff with my personal information including copies of identification. I believe the fake account has created a negative impact on my credit score, ability to obtain credit, and ability to obtain fair lending as over the years I have seen various transactions on my credit reports that refer to Wells Fargo but I assumed were errors. There were home loans in excess XXXX , auto loans for thousands and collections charges for accounts that were closed with Wells Fargo connected to them. I disputed the reports informally but with time restrictions on how long items sit on credit reports, some of those charges have automatically been removed from my credit report. 

I learned of the fraudulent accounts created in XX/XX/XXXX and am aware that some citizens hurt by this scam at Wells Fargo may have never even actually owned an account. Some may have been victimized in the ways in which I was victimized by taking my identity and opening the accounts after refusing me service/products at the counter. Initially, I believed it was a matter of discrimination based on race/gender/ethnicity and I still believe those things may have played a factor in my denied loan applications and resulted in the fraudulent account assigned to my name that resulted in email notifications about the account activities and credit reporting.

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 12/26/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I wrote Equifax three times requesting that inaccurate information be removed from my credit report. Each time they responded that the information on my report was verified even though they did not provide me with physical proof or evidence of the verification. This is in direct violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AZ).
Issue: Problems when you are unable to pay

Complaint: I woke up to a collection call from Ally financial at XXXX in my time and they left me a voicemail. My understanding is they are only allowed to call after XXXX?

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 07-07-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ) .The lender is refusing to review the client file - the package for review has been faxed 2 times and they are stating it was never received - this has been faxed again today, but they are stating it is not 37 days prior to sale and a review can not be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been monitoring my credit for over a year all of a sudden in XX/XX/XXXX this company states I owe them {$550.00} and the date of the first delinquency is XX/XX/2012 over four years ago. I have no idea what this is and why wait four years to say I owe this debt. I have not rcvd a debt validation or anything

Company public response: Company believes it acted appropriately as authorized by contract or law
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 Navient Solutions, LLC. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Navient will not remove old deragotory information from my credit report. It is more than ten years old. The statute of limitations has expired.

Company response to consumer: Closed with explanation