milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/25/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted my mortgage company ( Ditech ) by letter XXXX/XXXX/XXXX requesting a loan modification due to loss of employment. They requested I fill out the required paperwork which I did and submitted XXXX/XXXX/XXXX. I was denied help b because income was zero even though my husband is a XXXX veteran and collects monthly VA benefits. In XXXX XXXX I was able to regain employment and at the request of Ditech Rep XXXX XXXX I resubmitted all paperwork again XXXX/XXXX/XXXX. I received a letter dated XXXX/XXXX/XXXX stating my rep had changed but no status update of my modification request. During the next few months I made calls to my Rep for status updates and I was told told the underwriters were still looking at my paperwork. Then, I received a letter dated XXXX/XXXX/XXXX notifying me of my loss mitigation options as thoug h I had never applied in the first place. I placed another call to Ditech and this time I spoke with XXXX # XXXX and told him of my situation. He looked at the account and said to me, " I see where you sent in all the infor mation and it was received ; but it does n't look like anyone has looked at your account since. '' Noone has looked at my account since XXXX/XXXX/XXXX? I find this to be totally unacceptable Customer Service ; not to mention my mortgage is now over {$14000.00} in arrears because I could n't make the payment Ditech wanted and I 've been waiting for a reply to the loan modi- fication I requested. My original mortgage company was Green Tree and then changed to Ditech the end of XXXX. My interest rate at that time was 3.0 % and jumped immediately to 4.0 % for XXXX, XXXX and XXXX XXXX. It increased to 5.0 % effective XXXX/XXXX/XXXX and recently I received another increase notification dated XXXX/XXXX/XXXX of an increase to 5.375 % effective XXXX/XXXX/XXXX. I could n't afford the payment at 4.0 %, it is more than XXXX of my monthly salary. I am at my wit 's end now, I do n't know what to do so I am contacting you for advice. Because of the past due amount on my mortgage I have been told I am not eligible for the XXXX program but yet others are telling me I am. Today I placed another call to Ditech and of course spoke to yet another rep ( XXXX # XXXX ) and she typed into my account the information from our conversation and to have her Manager send me yet another form since she was not author ized to do so. 

Please Help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX XXXX, I received my credit report from XXXX. I noticed that Ocwen Loan Servicing turned us in to the credit bureaus as ND, no data for our XXXX XXXX mortgage payment. Please see XXXX report! Now, I printed a copy of our payment history from Ocwen Loan Servicing website on XXXX/XXXX/XXXX. This payment history report reflects that our XXXX XXXX payment was received on XXXX/XXXX/XXXX for {$690.00}. Please see the payment history report! Also, on XXXX/XXXX/XXXX, I printed a credit history letter from XXXX website. It reflects that XXXX XXXX, we were current. Please see credit history letter! On XXXX/XXXX/XXXX, I printed a credit history on Ocwens website. This credit history report reflects that in XXXX XXXX, we were current. Also from XXXX XXXX to XXXX XXXX, Ocwen Loan Servicing notified the credit bureaus that we had no payment history. This is incorrect! We made our mortgage payment on time and if Ocwen Loan Servicing submitted no payment history available for these dates, then Ocwen has violated the law, The Fair Credit Reporting Act ( FCRA ) by not accurately submitting the correct information to all the credit bureaus. What Ocwen Loan Servicing has done is unethical and is bad business practices. Now, a CFPB report shows that action is being taken against Nonbank and Bank for inaccurate mortgage loan reporting! This is not the first time that Ocwen Loan Servicing has inaccurately reported our mortgage payments to the credit bureaus. Please see some of the other CFPB complaints against Ocwen Loan Servicing. Now, if Ocwen inaccurately notified the credit bureaus, then Ocwen must be held accountable for their actions. If Ocwen submitted current to all the credit bureaus and the credit bureaus submitted the incorrect information, then Ocwen Loan Servicing must provide proof/documentation to show that Ocwen submitted the correct information to all the credit bureaus so the credit bureaus can be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I just turned XXXX in on XX/XX/XXXX. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by XXXX. I never had any accounts to have a collection I was a minor! 

This account does not belong to me, I have no knowledge of this account Also there is incorrect DOB and address being reported for me My address IS and ALWAYS been is XXXX XXXX XXXX XXXX, PA XXXX my address has never been different. 

my DOB is XX/XX/XXXX i just turned XXXX 3 months ago

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 SENT NUMEROUS NOTARIZED AND CERTIFIED AFFADAVIT TO THE CREDIT BUREAUS IN REGARDS TO BANKRUPTCY AND THE ACCOUNT UNDER THE BANKRUPTCY I SENT CERTIFIED LETTER TO THE COURTHOUSE IN REGARDS TO IF THE COURT REPORT ANY INFORMATION TO CREDIT REPORTING AGENCIES SUCH AS XXXX  XXXX AND EXPERIAN AND THEY WROTE ME BACK SAYING THE COURT DOES NOT PROVIDE ANY INFORMATION TO CREDIT REPORTING AGENCIES THESE AGENCIES OBTAIN THEIR INFORMATION THROUGH PUBLICLY AVAILABLE MEANS EVEN THOU THE LIE AND SAY THAT ITS HAS BEEN VERIFIED THAT GOES AGAINST THE FCRA THEY ARE LIARS SAYING THEY VERIFIED THE LETTER SENT BACK FROM THE COURT HOUSE SAYS THEY DO NOT PROVIDE ANY INFO

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 08-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on XXXX others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was XXXX when this collection was put on my credit report. So this is ID Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (NY).
Issue: Fraud or scam

Complaint: Toda y,  XX/XX/2017 , I atte mpted to order Equi fax Premium 3 c redit scores offered for {$3.00} for the first 30 days, and then {$19.00} if not canceled.   I submitted my personal and debit card information and it gave me 3 times ERROR. Equifax system is designed to mislead customers and make them thinking they made an error. This is why I clicked 3 times.   Here is how Equifax  SCAMMING AN D Thief Practices work : { see copy of the most recent Equifax transaction on my bank account ) I was scammed and charged 3 times without Equifax allowing me to see my report. They never notified me that my bank account will be charged.   I called their number  XXXX  at  XXXX   XXXX . Their customer representative  XXXX  ID #  XXXX  refused to fix it, refused to stop the charges. Equifax worker,  XXXX , even BLAMED ME THAT I 've CHOSEN TO USE THEIR SERVICE AND STATED THAT I HAVE ORDERED IT BY MY OWN WILL!   I was very upset, and objected the scamming Equifax practices insisting to  XXXX  to do his job and cancel the payments/charges immediately. He REFUSED TELLING ME I SHOULD CALL MY BANK.   I said that I DO NOT TRUST EQUIFAX ANYMORE. EQUIFAX SHOULD NOT BE INVOLVED IN a THIEF PRACTICES, BUT IT IS A COMPANY that PROTECTS THE PRIVACY OF MILLIONS OF  AMERICANS.THUS  EQUIFAX IS INVOLVED IN SCAMMING PRACTICES AND FAULSE ADVERTIZEMENT in order to illegally make profit. Not only this, but Equifax worker arrogantly refused to stop the illegal charges.THIS IS VE RY SCARRY!      "   XX/XX/2017  Pe nding Card Hold / EQUIFAX  XXXX   XXXX   XXXX . Release Date   XX/XX/2017   {$3.00} Pending Card Hold / EQUIFAX  XXXX   XXXX   XXXX . Release Date   XX/XX/2017   {$3.00} Pending Card Hold / EQUIFAX  XXXX   XXXX   XXXX .  Release Date    XX/XX/2017  { $3.00} "

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (Conventional home mortgage) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Improper use of your report

Complaint: My husband and I recently were trying to refinance our home to acquire a fixed rate mortgage. We were in the final stages of the refinance process, the Bank called to inform us on the property report they use which is  XXXX  reflected we had a property foreclosure in  XXXX   XXXX ,  2015 , property located  XXXX   XXXX   XXXX   XXXX  Tennessee. This property was included in our Chapter  XXXX  Bankruptcy. Under the  Federal  Bankruptcy laws all  debts that are included in the Bankruptcy the reporting of any derogative information ceases one the bankruptcy is discharged. The lender Wells Fargo reported this in the property foreclosure  XXXX  system .   We want this information removed from any reports and the bankruptcy laws enforced.

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 07-08-2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed a collection on my report from XXXX XXXX XXXX XXXX who claims they are collecting on behalf of XXXX. Account number that shows is XXXX. Equifax refuses to remove this incorrect collection from my report. I am including proof I do not owe money for this. As you can see I have a {$0.00} balance with XXXX because student loans paid for this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Citibank is charging me a " RETURN CHECK '' fee of {$25.00} for an automatic payment that was rejected by my primary bank. 

I have accepted the late payment fee of {$30.00}, which is in itself outrageous, but I refuse to pay the Return Check fee for a check that was never sent to my primary bank in the fist place. When I called Citibank and ask for a copy of the check in question they refused to send it to me and the representative also refused to give me their legal department 's contact information. Banks no longer send checks to each other, this is a rip off and should be ILLEGAL. 

Citibank is a company with a long history of deceptive practices and, after paying millions to customers in refunds, they continue to scam and rip off its customers to this day. 

Back in 2015 the CFPB ordered Citibank , N.A . and some of its subsidiaries to refund nearly {$700.00} million to customers for unfairly billing consumers for credit card add-on products, deceptively marketing those products, and deceptive collection 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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I tried to modify my loan in late XXXX through XXXX XXXX, I was put on a payment trial plan, once I received all the paperwork I decided it was better not to modify the loan because of the dollar amount to invest. XXXX XXXX then since late XXXX has reported XXXX late payments both 30 days late. I have never paid my mortgage more than 30 days late, I did all trial payments on time, I have contacted XXXX XXXX regarding their error and they do not correct the problem, I have also disputed the account with all XXXX CRA but XXXX XXXX continues not fixing their error.

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 03/23/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have re-aging accounts that are still reporting on my credit back since 2007. I have disputed them some moany time and the credit reporting is still has not removed and will not help me any way.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: There is an error on my credit report from XXXX XXXX that states that I was 30 late which is not correct. I was never 30 days late, the dates for this dispute are as follow ; XX/XX/17 confirmation # XXXX, XX/XX/17 confirmation # XXXX XX/XX/17 confirmation # XXXX, XX/XX/17 confirmation # XXXX. These disputes were not successful my report still show 30 days late. I have obtained documentation from the creditor that proves that they were in error and to have this report correct. Equifax is still reporting 30 days late despite of the documentation that was faxed to them on XX/XX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Credit card) with CITIBANK, N.A. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I submitted This to XXXX XXXX XXXX - who then forwarded it to XXXX XXXX XXXX CFPB ) - per Our telephone conversation - I am filing this with CFPB - my entire submitted file was XXXX pages and can submit to you as needed : Under FTC Settlement, Debt Buyer Agrees to Pay {$2.00} XXXX for Alleged Consumer deception - - - XXXX XXXX - I was recently sued by asset acceptance in regards to a credit card debt from XX/XX/XXXX and the statute of limitations was well over - I feel as though this case is part of their FTC settlement for the following : The asterisks mark the what they did to me & my court case : *****misrepresenting that consumers owed a debt when it could not substantiate its representations ; *****failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; providing information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate ; failing to notify consumers in writing that it provided negative information to a credit reporting agency ; failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; repeatedly calling third parties who do not owe a debt ; informing third parties about a debt ; *****using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; and*****failing to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer. 

I have been back to court 4 times since XXXX - finally XX/XX/XXXX the Judge ordered this dismissed as the statute of Limitations was over - it was time-barred and they had no documentation supporting a payment was made as they had claimed I made a payment and that restarted the SOL in Wisconsin - I have court documentation of the case and the numerous ploys used by asset acceptance and XXXX Law which was representing them - Please guide me as to where to continue my grievance - it is my understanding this lawsuit against them was in XXXX Court via the FTC - FTC File No. XXXX - as far as I am concerned they are still practicing what they were sued for. 
Thank you - XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, I have seen some credit inquiries reported by XXXX and XXXX XXXX  on my credit report. I have sent both companies letter to get the inquiries removed, never heard any response from neither.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Using a debit or ATM card

Complaint: i was XXXX XX/XX/XXXX XXXX 10 months during this period someone used my atm card to withdraw funds from my account as well use my account fruadlanty. upon becoming aware of this activity i reported it to fraud department at navy federal XX/XX/XXXX. since this filing this dispute the security agents at navy federal ive spoken to have been rude, disrespectful, and have accused me of committing fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This collection agency calls very frequently. They not only call my cell phone, but the home phone, my parent 's cell phones and even my sister and brother-in-law 's cell phones. My dad received a call from them yesterday and they refused to say who they were

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: For years Discover card has been charging me very high interest rates XXXX, very high minimum amount dues, fees every month for many years now and it has ballooned my debt with them more than a 100 % of the original debt acquired with them and every time write a letter asking to lower the interest rates and lower the minimum payments they had refused to do so and still every month charge XXXX late fee because most of the time I am not able to cover the high minimum due payment it is being almost a year since I stop charging little things to this card not using it at all only payments, this month the minimun due {$320.00} is not possible and the optional payment plans they have online are only made so I can get into more debt with them not really helping at all but taking advantage of the economically deprived situation I am living. This company is the principal ripping company I am dealing with

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to wrap up a HAFA short sale for well over a year and Wells Fargo does not want me to do a short sale. Everytime I get to the finish line, they change short sale negotiators and I have to start the process over. I have been through XXXX Negotiators. I am at my wits end. Now we have a Liquidation department disregarding us. We need HAFA funds to relocate. We have a viable buyer. In fact we have had XXXX viable buyers who increased the sales price when the value increased due to different negotiators changing. We have children in school and I wanted to try to relocate this summer so that I would n't disrupt their school. I have missed out on decent housing because the short sale negotiators keep changing. Just recently, the negotiator made us resign a contract in front of a notary and had the buyer make other concessions. We adhered. We could n't do it right away when our Realtor contacted us because we had to take our oldest son off to college. He has a full scholarship and we accepted into a special summer program. It 's not easy selling our home because we do have major water damage and we have n't been able to remodel it. At least with a short sale in a year or 2, we can buy again. If we have a foreclosure or a deed in lieu, we will be prejudiced for 7 years. I am losing my mind from this. While we were waiting for a final approval, the negotiator sent their attorney notice to reset a foreclosure sale date. We just received it in the mail today. This has been a God awful experience. Now, they are forcing us back into bankruptcy. My neighbor works for the banks and told me when they start doing this, its because they want to collect the mortgage insurance claim instead of working with the homeowner. We really need help. We had a bad pickapay loan from the beginning. We want the same opportunities extended to all the other homeowners. We did everything required of us and the buyer has funds to buy this property. We really need to relocate to get back on our feet. We want to be able to get our family situated.

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