milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I am a XXXX year old female who bought my home in New Jersey XXXX years ago. Up until approximately XXXX months ago I was paying my taxes to the city. I did not want an escrow account. My mortgage and my property taxes were never late until my mortgage was bought out by another company. I went to the tax office to pay my quarterly taxes and they said that they had already paid them., to my surprise ... They told me the new mortgage company paid the quarter in full. I called them and they said that I must have an escrow account. They did not give me a choice. This is their rules, like it or not. Prior to this they never contacted me about such a change. Now my mortgage went from {$580.00} to {$1500.00}. My taxes for 2015 are {$9400.00} a year. 
My payment now went up {$940.00} instantly. I tried to explain my situation to them, that I get social security and a pension check monthly totaling {$1700.00} monthly. I also have XXXX part time jobs that pay $ XXXX.per month and the other {$1000.00} per month. When its all said and done I have {$1500.00} per month to pay all my house bills, food, car expense, insurances. You know that its not enough. At this point, I 'm looking for another job. 
After doing some research, I found out that if your home has 20 % or more equity into the home you own, it is against the law in New Jersey to force an escrow account on somebody. Also XXXX years ago, at the time of my closing, they asked me if I wanted an escrow account or wanted to pay my taxes on my own. I opted to pay directly to the tax office. In the state of New Jersey it is against the law to change it on me without my permission. I feel that I have been bullied into this. My credit score before this happened was over XXXX points. I 'm now afraid to look to see what it is now. Because I have other medical and dental bills I am paying off. I am very short on money. In the last 5 years I had to take a loan out for {$15000.00} for dental bills. I have since put my home up for sale because of this. What do you think I can do. These people said that if I do n't pay this bill, I will go into foreclosure. What can I do?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Medical) with I.C. System, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am referring to case number XXXX. 
I.C.System collection agency has posted a fraudulent collection on my credit report. 
XXXX XXXX XXXX had been paid in full, no demand for payment has never been received from I.C.System or XXXX XXXX XXXX and my score has dropped XXXX points following this fraudulent collection. 
My dog was treated four times. 
According to the XXXX, I was responsible for a total of {$2100.00} ( {$320.00} x XXXX ) for Weeks 1 and 3, {$810.00} for Week 2 and {$630.00} for Week 4. 
I paid {$2100.00}. Therefore I do not owe them any money. The fact that they tried to take advantage of vulnerable people suggests that we are not their first victims.

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 03/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I was in the process of putting my student loans in In-School Forbearance. During that period my student loans went into 90 days late payment. I did not realize this! I would have paid during that time, but received no notification at the address I lived. I did not know. I have disputed this twice with my student loan provider and with the credit bureaus, but they have not taken it off of my credit report. It has negatively impacted my credit, but they have made no adjustment or had no mercy though I have no previous record of late payment, or any following this incident. Thank you for your help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Private student loan debt) with LOAN TO LEARN (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: As a young kid out of school in my first job I decided to take a loan out for an XXXX program I was accepted to. The amount of the original debt was {$5000.00} from LoantoLearn.com  operated by Educap, Inc back in 2005. Everything was fine until I ran into financial troubles from not having a job. I could n't keep up with the payments and have n't been current. After landing a job again and trying to get back into financial shape I reached out to settle my debt but Educap , Inc. was very predatory about it. They wanted 2X the loan amount even after several payments which reduced the actual amount. I felt it was unfair and agreed to the principal amount to make them whole and they disagreed. They then attempted to sue me twice in a state which I do not live ( Florida ) and continually degrade by credit rating every month. I have tried to reach out to settle the debt but never get a response. This company has no heart, no want or desire to fuel educational growth but to feed off people 's hard earned money to advance their greedy interests. Very shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Please be advised, this company was already put on notice and sent documentation I am a victim of identity theft. Transunion provided my personal credit information to companies without ANY PERMISSIBLE PURPOSE under FCRA 604. 

I have attempted to dispute several inquiries with Transunion and they refuse to investigate these fraudulent inquiries. I have contacted all creditors listed below directly and they have referred me back to Transunion, I 'm getting the run around. These inquiries into my credit file were not authorized. 

XXXX Requested On : XX/XX/2016, XX/XX/2016 XXXX XXXX Requested On : XX/XX/2016 XXXX Requested On : XX/XX/2016 XXXX Requested On : XX/XX/2016 I am requesting these inquiries be removed from my credit file as they had no permissible purpose to even access it. Per FCRA. 

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 non-monetary relief
Consumer complaint received 05/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My loan was originally serviced by  XXXX   XXXX . I requested several deferments while attending school. I did not realize the impact of these deferments. My original loan balance was {$38000.00}. I have made over 100 payments since   XXXX   totaling over {$36000.00} and now have a balance of {$39000.00}. I have always worked for   XXXX   XXXX   as a s  XXXX   XXXX   and I will soon be  XXXX  in  XXXX . How will I ever be able to pay off these loans?

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Money transfers (Domestic (US) money transfer) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Money was not available when promised

Complaint: On Friday XXXX XXXX, 2015, I spoke to a representative name XXXX at Capital One Investing ( on-line ) about money I desperately needed to redraw from a Roth IRA. Long story short, XXXX verified all information and finally advised the funds would be available and transferred into my linked checking account today. I went on-line today to check status and transaction was for lessor amount discussed. But the big kicker is : THE TRANSACTION WAS CANCELLED. Capital One Investing said it was because of suspected fraud on my account. I suspect it was because of the type of racial discrimination that is subtle, but deliberate and artful today.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello I am filling complaint about certain credit inquiries I found on my account. I contacted the companies in which the inquiries were from and still nothing has happen. I also contacted the credit bureaus which also have done nothing to get the accounts removed. It has been over months and nothing has been done and I need these items removed looking forward to hearing from you all as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (I do not know) with Financial Credit Service, Inc. (CT).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: My ex-husband texted me because a company called his wife regarding me. They stated I committed check fraud and her name was associated with my account and gave her date of birth and stated if they knew information about me to have her attorney contact them. I have a copy of the message. I called the company and they stated I committed fraud because I set up a payment arrangement within the last 60-90 days with a company called XXXX for a debt and it did not go through my bank account. I asked what the debt was and they told me once I made my first payment they would send the information. If I did not call them back by XXXX EST they would proceed with legal action. I have never received any information of a debt and the company XXXX is unknown. They never told me any more information. I asked them to stop contacting people and contact me directly and I want information on this debt. I had to end the conversation and they state if I do not contact them by XXXX today they will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Within XXXX minutes of giving my credit card number to the customer service person with Equifax experienced problems with the site, Equifax Premium Credit Monitoring. Information was wrong as I had just spoken with all XXXX credit bureaus. Also, I could not change my password, and my computer does not support this site. I immediately requested to cancel and get an immediate refund. I was deceived. The cancellation took place but was not told until after an hour on the phone that I could not secure a refund of {$19.00} even though the service did not work for me. The employee kept me on hold for 45 minutes listening to music. No one ever came to the phone. This is a rip off. Information is wrong and the site is difficult to work. Horrible. That is why within 10 minutes, I kept the person on the line as I signed on to the site, I was requesting my money back. The complaint if file no. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Mortgage (Conventional home mortgage) with AmeriHome Mortgage Company, LLC (CO).
Issue: Trouble during payment process

Complaint: I have a loan that was purchased from my original loan company by Amerihome. I signed up for automatic budget drafting ( twice monthly payments ). Amerihome sent me paperwork that my account was set up and ready to go. My first payment with debited from my account on XX/XX/XXXX as per the paperwork. Then WITHOUT ANY NOTICE, my automatic withdrawal was cancelled. The XX/XX/XXXX payment was not made as well as the XX/XX/XXXX payment. I called Amerihome and waited on hold for over 2 hours. The man who answered said someone would contact me within 48 hours. No one ever called. I called back and waited on hold for another hour and the person still could not answer why my account was cancelled. I had to call back again and wait on hold again. Payment was made in full at this time. 

I am still being charged late fees. 

Amerihome said I had to be paid a month in advance to do the budget drafting. No one can or will answer what happens to this extra payment. Is it applied to my principal? Are they just holding my money with no interest? I think this practice is extremely under handed and not above board. It is more so because no one will answer my question. 

Grand total, I have waited on hold with Amerihome for over 9 hours. I have sent 5 inquiries to their online/email and still do not have resolution or a response. 

I have filed a complaint with XXXX  to get my credit score fixed, as they dinged my credit for THEM cancelling a automatic debit that had been started. 

The customer service, training of the team, and response time is unacceptable and pathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is trying to collect a debt from me and I never established a contract with them, in addition this company has reported negative items onto my credit reports and they are in complete violation of the FCRA Law!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 reached out to XXXX, Equifax and XXXX about some inquiries that i had just noticioed on my credit report that I DID NOT AUTHORIZE. XXXX, Equifax and XXXX all told me to reach out to the companies that reported the inquiries. I did that. The companoes told me that there was nothing they could do about it and to speak with the credit beauruas. No one is trying to help me mean while these inquiries are on my credit trpoert without my authorization. The credit beuarues are suppose to do a thourough investigation but have not sone so. This is hindering me from living life. I am requesting that you look into this mattter and have the following inquiries removed AS SOON AS POSSIBL : XXXX XXXX XXXX ( XXXX/XXXX/2016 ) XXXXXXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) XXXX XXXX ( XXXX/XXXX/2016 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) .XXXX XXXX XXXX ( XXXX/XXXX/2016 )

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Credit line increase/decrease

Complaint: I applied for a Capital One Platinum card XX/XX/XXXX and was approved for {$500.00}. The card is advertised as one for consumers with bad to good credit that need a card to bolster their credit history and score, and that 's what I did. Since XX/XX/XXXX, I have consistently requested credit limit increases, and have been denied. I have received XXXX increases in XXXX years, XXXX for {$250.00} and XXXX for {$1000.00}, the last being XX/XX/XXXX. Since then, when I request an increase, I am given various reasons for the denial and I have attached the documents. The last time I called and talked with an Account Manager, I was told that I need to use the card and then I would get an increase! I think this is totally unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Student loans are more than XXXX and have been closed with original loan servicers paid off and are XXXX through XXXX for XXXX they are no longer delinquent since XX/XX/2016. Bankruptcies were XXXX or dismissed but still reporting violating confidentiality. Collection accounts for utilities companies are invalid. Accounts remaing after bankruptcy XXXX. Request removal of all inquiries. This prevents my family from for qualifying for any mortgage. No change in my credit score since bankruptcy XXXX and have opened new auto loan and credit cards. Experian XXXX and XXXX are the violating companies.

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 03-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am in the process of purchasing a home. I am actually in escrow. My credit was pulled XX/XX/XXXX and I was suppose to sign docs today until this company placed an unknown account on my credit. 
I was never contacted by them via phone or mail.

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 03-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX XXXX, I paid this debt in full in the amount of {$940.00} to the original creditor XXXX XXXX. As a result, the debt was also removed from my credit file and XXXX XXXX presented a XXXX dollar balance. On XXXX XXXX, XXXX, I received communication from Dynamics recovery attempting to solicit monies in the amount of {$1000.00}, which is even more than the original paid debt. The collection letter states they are working on behalf of a company called XXXX not the actual original creditor XXXX. The letter states XXXX owns the alleged debt. I 've never received communication from either company prior to this date. This appears to be a recycling of previous debts and fraudulent activity as I do not owe the alleged debt to Dynamic Recovery or XXXX. After receipt of the letter, I contacted XXXX XXXX who was able to confirm that I do not owe any money. I want this company to cease from any further communications or collection attempts on a debt I do not owe to them. Please stop selling my information to obtain financial gain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage is with Wells Fargo Home Mortgage ( WFHM ), Loan number XXXX. I have been trying to take advantage of the government programs to reduce my mortgage interest rate since XXXX XXXX and have received a run around from WFHM because I had temporary employment and unemployment income. XXXX XXXX I received a permanent job back in the federal government. I informed WFHM the moment I was accepted for the job but was required to present a letter of acceptance and income amount to prove I had a job, which I did. Then I was required wait and fax a copy of my paystub. I faxed copies of my paystub starting in XXXX. I was set up for a modification with 3 payments to be made in XXXX, XXXX and XXXX of XXXX. At that time I was told my interest rate would be XXXX. WFHM changed my Home Preservation Specialist and I was ignored there after until I started calling and complaining. I called every month since last XXXX. In XXXX my complaint to WFHM was excalated because their Title Department was saying that I had a lien against me that was holding up my paperwork. That was not true and I had to call the State of Ohio to obtain information and literally do the Title Departments job for them by printing and faxing the paperwork to WFHM that the the Attorney General 's office required to be completed to verify that there were no liens against me. The Attorney General 's office could not provide information to me to give to WFHM. I spoke with a young lady named XXXX who guided me to the website to obtain the forms to be completed. WFHM needed to contact the Attorney General 's office themselves which they refused to do. Everyone that I spoke to at WFHM on 3 different levels told me that it was my responsibility to clear up the lien issue and prove that the information for a XXXX XXXX was not me. Now after 10 months I finally received paperwork that has an interest rate of XXXX. I was told by XXXX XXXX that nothing would change from the initiation of this modification. It was approved with the initiation of the 3 trial payments and as long as I made those payments on time as required, the modification would be finalized as stated at the 3.385 interest rate. I have been struggling trying to get WFHM to work with me for two yeays, long before I ever got behind in my mortgage and have gotten a run around. Now they are changing rates on me and I want this to stop.

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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: I attempted to use the experian web portal to place a freeze on my credit report. I made two attempts, and the result of each attempt was a page stating my identity could not be confirmed and I would have to mail my information and payment to them by registered mail. Hence, no service was delivered at this time. 
Today I checked my bank account and found I was charged by experian for their non-service, twice. In attempting to call to resolve the issue I experienced call wait times over an hour and no resolution or refund. The service of locking my report should be free in the first place, I never signed agreement that they should hold or sell my credit information, and charging me without delivering a service is plain theft.

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 04-07-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have contacted Equifax and I have sent them documentation showing that the creditor gave the wrong information on the judgment and they have refused to remove/or update this on my credit record. The creditor XXXX XXXX had a property management company XXXX XXXX XXXX to manage his home. I got behind on rent in XXXX of 2010 and they filed an eviction. I paid the rent and all other fees on XXXX XXXX, 2010 the property managment company acknowledged when it was paid and reflected the correct date on the information that they sent me and to the courts. The credit bureaus are refusing to update the correct information and is causing my credit history to reflect negatively.

Company response to consumer: Closed with non-monetary relief