milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: we were looking into refinancing to lower our monthly payment ... called a lender and they discovered we were being overcharged ( double the amount ) for escrow. we contacted DiTech and requested a refund for the overage and our monthly payment to be adjusted. we were satisfied and also thankful that was discovered and also disappointed in ourselves for not realizing this. since then, we have been harassed with bad debt phone calls by DiTech, and notice statements two to three times a week from them claiming we 're two months behind in payments ( we have never missed a payment ). It has been non-stop, my husband and I have spoken to numerous customer service people, and supervisors whom all have been very uncaring and unhelpful.

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 04/14/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Lag in affording classes due to divorce and XXXX child. I can not work because of my XXXX child, which I have in writing. Will not resolve initial request for Forbearance or Deferral. Was told they needed documents. Sent some. No response. Now they claim the initial request was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
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 is allowing XXXX XXXX XXXX to continue to report false information on my account. This is the 8th attempt at getting them to remove any balances owed to XXXX XXXX XXXX. I have paid them off in full both accounts. They continue to report a balance owing, as well as a fraudulent high balance and late status. As you will see on my credit report, I was never late, and paid them in good faith in full. XXXX XXXX   account number # XXXX XXXX XXXX XXXX And XXXX account number # XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 02/17/2017 about Mortgage (FHA mortgage) with Northwest Trustee Services, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have contacted the Northwest Trustee Service in which is my mortgage has been transferred to from XXXX. I have fees from northwest that are bogus that they want me to pay. In which I was never contacted by them or receive and documents from by mail or certified mail. I have called northwest several times and ask them to provide me with documents that I have sign or they have sent out in which they fail to do so. Anyone can get a tracking number from any postal service or XXXX or XXXX online and never deliver. I feel that Northwest are trying to make me pay for fees and work that they did not do. Which is Illegal for them to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I was behind on my loans, and I called about two months ago to get set up on a payment plan. They continue to harass and make threatening phone calls after I have made XXXX consecutive payments. I have asked them MULTIPLE times to stop calling and they always blame the issue on " system error ''. I am at the end of my rope and I do n't know what else to do!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NM).
Issue: Settlement process and costs

Complaint: Ditech obtained the servicing of our first and second mortgage earlier this year. We were solicited to do a XXXX Refinance on our first since the rate was 6.125 % and they could do better. We started the process on XXXX XXXX, 2016 and did not finalize the process till XXXX XX/XX/XXXX2016. Multiple Loan Estimates were sent throughout the process with changes to figures with out a Change of Circumstance Letter to accompany the changes explaining why and what was changing. Ditech pointed the finger at XXXX XXXX XXXX and XXXX XXXX pointed the finger at Ditech as to why someone had dropped the ball on ordering the subordination of our second. I had to tell Ditech multiple times that we had paid for an appraisal out of pocket yet they continued to show the fees. The lock expired on XXXX/XXXX/2016 so they had to extend it. XXXX estimate shows the extension fee to us which they later retracted because it was evident that they were responsible for the delays in what should have been a relatively easy refinance. 
Ditech sent me the Closing Disclosure on XXXX XXXX, 2016 via a docusign email rather than through the password protected website known as XXXX XXXX. The file was corrupt and I could not open it. I called them to advise, however no body called me back. By Monday evening the XXXX of XXXX I had still not heard back from them so I called Title to advise that we were unable to open much less electronically sign the CD to start the three business day clock so we could close. I received the CD on the XXXX and we esigned it. They insisted that we sign documents on the XXXX of XXXX which was not the full three days required by XXXX. I am in the mortgage industry so I advised that we really should be signing the XXXX of XXXX. They advised that that was not the case and left the documents dated for a XXXX closing. On XXXX XXXX, we received a past due notice dated the XXXX stating that our mortgage was past due even though the loan was in recission. I understand the notice however, the notice was mailed to our home address but had the names of other individuals on it. I do n't know who these people are, but none the less it was alarming that they had violated the XXXX Rules by putting someone else on the notice. It makes me wonder who got a notice with our names on it. We were never provided a copy of our credit reports even though we requested them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A collection account appeared on my credit report that does not belong to me and I disputed this with all 3 credit bureaus as well as the company reporting the account. The 3 credit bureaus claim that this has been " verified '' as mine and yet they never proved anything, which is not allowed under federal law. All 3 bureaus also were aware that I have a lawsuit against persons that obtained and used credit with my personal information, which includeded business accounts. All 3 bureaus have copies of this lawsuit, which I am also attaching to this complaint. This account was not authorized by me, opened or applied to by me, signed by me or used by me or by any company that I am a part of. This must be deleted immediately from my credit report because it does not belong to me and I am not liable for it. This company sent me a " contract '' that does not include anything other my first and last name and the company that I used to belong to. There 's no signature ( as I did n't sign it ) or any other legal proof that I ever authorized or had any part of it. 

This is part of my complaint against all 3 bureaus : I cant believe that these accounts are still reporting on my credit file and one of them DOESNT EVEN BELONG TO ME! This fake company XXXX sent me a fake contract with no information on it other than my name no address, social, date of birth or even a signature. I did NOT fill out an application, have a contract with, services with or apply to this company that is sending me fake documents for $ XXXX. This is NOT legal to attempt to collect a debt that I dont owe and I am adding you to the Consumer Financial Protection Bureau complaint against this company in regards to this false account. I am attaching the lawsuit against a person that was part of a company I was with who used my information to obtain credit and use company credit. You are being negligent in reporting an account that you know to be reporting inaccurately because you already had this contract and removed the XXXX XXXX account that was part of this lawsuit. This company specifically stated in their response to me that they attached proof of the debt. I am including this fake proof that clearly shows none of the required info. You are legally required to delete this XXXX XXXX XXXX immediately, as you AND this illegitimate company are in violation of federal law.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had fraudulent charges and my credit ran in my name and I called every single one of the places I 'm about to name about the the inquiries I have from these places and they took my number down telling me they would get back to me and I have n't heard from anyone. I have unauthorized inquires from the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capitol one auto finance XXXX Cap one auto finance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: WRONG PHONE NUMBERS I have only 2 numbers XXXX XXXX XXXX XXXX no other numbers or cell or home phone numbers in my name all these other number on file do n't belong to me and I want proof from the credit bureaus of such phone numbers in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Other debt) with Halsted Financial Services, LLC. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received repeated phone calls from a company called Halsted Financial about a debit they claim I owe to XXXX. I told them I 've never ordered anything from XXXX, and I asked if they feel this is a valid debt, please contact me via mail. If was told the phone calls will continue until the debt is paid. They call all day long, and I block the number and they call from other numbers. One representative had the audacity to tell me to and I quote " LOOK FORWARD TO MORE CALLS COMING MY WAY. '' This is unacceptable even if I owed the debt they are claiming. X/XX/2017 XXXX : XXXX, X/XX/2017 XXXX XXXX, X/XX/2017 XXXX XXXX, XX/XX/2017 XXXX, X/XX/2017 XXXX, XX/XX/2017 XXXX, X/XX/2017 XXXX. The list goes on. If there anything u can do to stop them from harassing me about a debt I 'm telling them I do n't owe, it would be greatly appreciated. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: Last Friday I scheduled a transfer from my XXXX XXXX, yesterday ( XXXX XXXX ) the money was transferred. I phoneed Chase yesterday and asked when the funds would be available and told not until today, the XXXX. However, now they are telling me I can not access my money until the XXXX. They have my money, but wo n't let me have any. While I personally would like to see every senior executive of Chase lined up and shot, I will settle if you can prevent any further misuse of a consumers deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 am requesting the removal of two judgments and four bankruptci es ( below )  on my Equifax and other reports due to  Civil Case No .  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ., v. Equifax Information  Service LLC .  I did not know the source of their information on those judgments and bankruptcies and due to this Equifax has violated the FCRA. Please remove these judgments and bankruptcies. They sent letter with  XXXX   XXXX  verifying and I contacted them on  XXXX  and stated it was not.     Judgment  XXXX  AND  XXXX  Bankruptcies  XXXX   XXXX   XXXX  and  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax handles my personal information without my consent or control, as do XXXX and XXXX. I am one of the 143 million that has had their personal information stolen through inadequate protection of my personal information at Equifax by hackers. Though it remains to be seen how the information was stolen, it jeopardizes my ability to simply live in the United States as a citizen, to buy property, arrange for credit, save money, work, and all the other things a person would expect to do. As compensation for their failure, they are offering the abjectly inadequate " credit protection services '' for a single year, services from the very organization that failed to provide adequate protection in the first place. 

Now as I and my wife seek to freeze our credit, obtain our annual credit reports, and do the other things now necessary as a consequence of their mistakes instead of living our lives, we find ourselves facing interminably long wait times on the telephone, failed web pages ... 

XXXXtps : //www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp ... leads to a failed submission, https : //www.equifax.com/personal/ ... leads to a " This site cant be reached '' error, and the web page via XXXX used to request a report from Equifax leads to a XXXX This site cant be reached '' error.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Equifax 's website to know whether you account has been comprised states that it well tell you if your account was compromised or not. When I submitted my info it only gave me a date and deferred me. It did not tell me what the impact was like it claimed to do. Now I have to wait till the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The credit companies are reporting I have tax liens reported by different courts. The courts  DO NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) and  a serious breach of my privacy rights.

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 04/30/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX I purchase my home original loan amount with Chase bank {$100000.00}, in XX/XX/XXXX I was forced to do a loan modification with Chase Bank at that time my loan amount was {$100000.00} I just today XXXX/XXXX/XXXX realized that at the time of the modification Chase put another {$11000.00} on to my principle balance bringing the loan amount up {$110000.00} and even after XXXX years of making payments I owe {$100000.00} on a home that I have been paying on for fourteen years. Not to mention that they gave me a 40 year period in which to pay this. The modification was done in XX/XX/XXXX it is now XX/XX/XXXX how is it possible after making monthly payments for four years my principle balance has only come down XXXX dollars? and how is it that in doing a loan modification they are able to add on {$11000.00} to my principle balance? How is it that I owe more on my home now then what I purchase it for fourteen years ago? I have never received a loan against the property, I have tried to be responsible and do the right thing how could this have happened. The banks are really getting over, rip off. The Loan Modification I thought was put in place to help people stay in there homes, Obama created this mess he needs to step up and do something about it. I WOULD ADVISE EVRYONE DO NOT DO A MODIFICATION WITH CHASE BANK!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I have gone through this process already with a complaint filed on XXXX/XXXX/XXXX. They responded and I am STILL waiting for them to get back to me .... 

Here is original complaint. 

We fell behind 3 payments to US Bank XX/XX/XXXX shortly after having a baby. It was then suggested that we apply for the " loss mitigation '' program to make a payment plan. It has been 18 months with us falling further and further behind and we are not allowed to make any payments even though we could have started paying months ago. They ask for the same paperwork over and over since by the time they send it to the " processor '' it 's expired. They just told me I need to fill out everything again for the 3rd time and I feel like this is illegal. I just want to pay the mortgage.

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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Credit Bureaus are reporting a tax liens that fail to have my Social Security Number or DOB on the recorded lien as required by reporting regulations. XXXX 2017 reporting regulations require complete SS number or DOB. They also failed to report lien was being disputed with-in required time frame, or report dispute at all.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Loan rates have become so high that the loan is difficult to pay. Even by making a good wage, the interest rate has stacked the payments so high, it becomes difficult to find alternatives other then deferments in order to pay for rent or food. The lucrative appeal of deferment is the only option I can work with but in only tacks on more to my loan. Even through working with repayment plans, the monthly payment was no different to my current payment plan and it did n't impact any part of my interest rate significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Problem is with Experian Reporting of account status. 
Received a judgement ( Attachment A ) for an account with XXXX XXXX and the judgement was paid in full, satisfied in XXXX, XXXX, filed as such in XXXX, XXXX. 
The paid judgement is shown by Experian in XXXX/XXXX/XXXX report ( Attachment B ). 
XXXX repeatedly has told me they have reported nothing on the account since XXXX, XXXX, when it was charged off. 
In XXXX XXXX, Experian shows a " failed to pay '' in the payment history for the account. My FICO score dropped about XXXX points. I disputed this as an error in XXXX XXXX. The result was an additional " failed to pay '' as of XXXX XXXX. Again, I lost XXXX points on my FICO score for a late payment. 
I called Experian and asked how a dispute could do additional harm to my credit, how disputing an error, leads to an additional error, further damaging my credit. I was told, " that happens sometimes. " In summary, this is an account that was adjudged, satisfied in full, and closed out in XXXX, XXXX. There is nothing left to pay. If I did send more money, sound accounting would require XXXX to refund it! Yet, I am XXXX accused of late payments by Experian, which XXXX denies reporting. 
I asked an Experian representative about requesting a Method of Verification, but was told the source would be XXXX. 
In our system, our lives are significantly impacted by our credit. Like many Americans, I was devastated by the housing crisis and recession, and my credit was damaged. I have made restitution and/or settled with my creditors as proscribed by law. Experian appears to take there responsibility lightly, as they reject logic, and punish consumers for disputing their errors. This account is paid and charged off, and I can not possibly have a late payment two years later. 
XXXX denies reporting anything, and I can not dispute it, for fear of doing myself further damage. It appears that having performed equitably within the system, I am wrongly held back from trying to recover my credit status. The system is not working, so I turn to this agency to please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2016 about Debt collection (I do not know) with Collection Bureau of the Hudson Valley, Inc. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: My company received a call from XXXX XXXX asking for me, I did a web search and they have had complaints from the FTC filed, and I do not believe they should contact my workplace.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief