milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: Applied for a modification with Ditech at the beginning of XXXX. Called repeatedly and was told they did not receive the package and ask for more documentation which I would fax and mail repeatedly. This went on for months and finally in XXXX they indicated they had finally received everything. In XXXX I received a letter from XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. stating the mortgage was in default. I contacted Ditech and was told to disregard the letter and it would take 30 days for them to review the modification package. On XXXX/XXXX/XXXX there was a foreclosure notice published on my property. I contacted XXXX XXXX XXXX to find out if anyone was going to let us know about the foreclosure because we have received NO type of notification or letter from Ditech or XXXX XXXX XXXX, XXXX. and was told that I obviously did not know how foreclosures worked. I ask for a payoff and was told it would have to be requested and sent to Ditech which they were doing. As of today XXXX/XXXX/XXXX I have still not received anything from anyone. I called Ditech today to request a payoff and was told they could not give me a payoff only a reinstatement amount of {$21000.00} food through XXXX XXXX, XXXX. I was told I could not payoff my mortgage at this time that I would have to pay the reinstatement amount first then they could give me a payoff. I explained that we are trying to sell the property but we must have a payoff to know how much to list the property for. Again was told I could not pay off my mortgage balance. I asked if the call was being recorded and was told yes. I am attaching the one and only letter that I got Ditech to email me on XXXX/XXXX/XXXX. They indicated this letter has been mailed to us XXXX XXXX, XXXX but we never received it by mail. Was told today another letter had been mailed on XXXX XXXX, XXXX giving us a breakdown of everything but as of today we have not received anything and when I ask for the representative to please email me the letter that was supposedly mailed out, she hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted a complaint about my credit report however I have not received any changes. There are tax liens as well as inquiries that do n't belong to me. I have no knowledge of this debt. Please help me! I am furious!! Take them off!! State lien paid in released ( XXXX ) State lien ( XXXX ) State lien ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that were not authorized! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Remove them immediately!! It should be illegal to report items that do not belong to me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: Checks on my account were counterfeited and forged and the bank TD bank refusesto refund monies and the overdraft fees associated with the forgery

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My son filed for bankruptcy in XX/XX/XXXX. He has the same name as my husband, althought, he is a XXXX, my husband a XXXX. Somehow, Nationstar Mortgage attached my son 's bankruptcy to our mortgage. It took us 4 months to get it off our mortgage. We just applied for a modification thru Nationstar and it was approved in XX/XX/XXXX. Our son finalized his bankruptcy paperwork in XX/XX/XXXX and once again Nationstar attached the bankruptcy to our mortgage. At this point, Nationstar has our paperwork and mortgage so screwed up since it has a bankruptcy code on it and also is supposed to be in modification mode. They put me on hold from anywhere from XXXX minutes and either do n't get back on the phone or tell me they have to email someone about the situation and check back later. They have notes on the account from when this originally happened but I assume no one ever thought to read them. Also, my son is in no way, shape or form associated with our mortgage or any other of our financial situations. Did it occur to them to check the Social Security # 's. I want the bankruptcy code taken off our mortgage and I want all the paperwork affiliated with our mortgage straightened out. This is ridiculous and very incompetent on their part and also unacceptable. I can not believe this has happened a XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, 2016 XXXX/XXXX Loan Number XXXX XXXX XXXX XXXX XXXX, Florida XXXX We are filing this complaint against Wells Fargo Home Mortgage and ask that you assist us in resolving this matter - We began good-faith negotiatings on an Assumption Modification with Wells Fargo on XXXX XXXX. From the very beginning of this process, Wells Fargo has been a combatitive, unresponsive and misleading. 

After the initial conversation with them, Wells Fargo requested standard modification documentation, which was faxed to them on XXXX XXXX. We communicated with them on XXXX XXXX, XXXX XXXX, XXXX and the XXXX - each time we were told that no documentation had been received. 

For one month we tried communicating with them and received no response, but on XXXX XXXX we spoke with an individual there, who once again told us that still no documents had been received. We re-faxed everything to them XXXX XXXX and on XXXX XXXX, we spoke with another individual who confirmed that the file was in fact RE-ENTERED FOR REVIEW. At that time we requested that the file be escalated and a request for postponement of the XXXX XXXX sale date be made. 

After speaking with Wells Fargo this morning, we were told that our request has been denied, once again - due to insufficient documentation. 

We are well aware of the fact that Wells Fargo has a long and storied history, using this technique to deny homeowners relief and we are requesting that you step in and - have the XXXX XXXX sale date postponed for us ensure that Wells Fargo gives us a fair and proper review for this assumption modification. All documentation has been attached to this complaint. 

Thank you very much for your assistance with this!

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Ste
p 2 : What type of problem are you having? Deletion of bankruptcy with Transunion Step 3 : What happened? I spoke with a lady in the special handling department at transunion and I asked her how she got the information about a bankruptcy with my name under it. She told me that they have a 3rd party that looks into these things and places them on your credit I sai  d how did you get my social security number. She told me that the courts gave it to the company (   XXXX   ). I called the courts ( spoke to a lady named  XXXX  ) and she said we do not and can not give out someones full social security number. When I told transunion that, she told me well what do you want me to do about that? I told her take it off my credit report and she told me no and gave me consumer financials information if I had a problem Step 4 : What co  mpany is this complaint about? transunion Step 5 : W
ho are the people involved?
Myse  lf  (   XXXX   XXXX  ) and Transunion

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 05/21/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Billing disputes

Complaint: Hello, I applied for and received a secured Bank of America Visa in XXXX, 2014. 
That month, I was charged an annual maintenance fee of {$39.00}. I had no idea that the annual maintenance fee would be charged the same month as the opening of my account. 
I did n't charge anything on this card for several months so there was no need for me to check my balance. 
I had no idea that the annual fee had been charged to my account and as a result, since I was n't using the card, I did n't make any payments. 
In XXXX, I realized that my account was in default due to the annual payment charge and I immediately paid the entire amount. Now, all XXXX credit bureaus are showing a past due entry of XXXX days. 

I have attached a copy of my credit card agreement from Bank of America which outlines the stipulations that I had to agree to in order to obtain the card. The {$39.00} annual maintenance fee is mentioned, However there is NO mention at all of the date when the annual fee is supposed to be charged. Nothing at all. 

If there are consumers such as myself who receive a card and do not make charges, it is only logical that they would assume that there are no payments due on their card. The agreement says absolutely nothing about when to expect the annual fee to be charged. It should at least say that the charge will appear " X '' days after the card is approved in order to give the consumer a head 's up. 
I would like the " Late Payment '' remark removed from all XXXX credit reporting bureaus. The date that the charge was going to be made should have clearly been included in the Bank of America credit agreement. 

Thank you very much for your time, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Most accounts are changed off they need to be taking off also all the unclarified why all those hard hits are on my credit I have not done them

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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Atlanticus Services Corporation (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I ordered the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This item was delivered and assembled to my home by XXXX ( XXXX, XXXX ) on XX/XX/XXXX. I  contacted the return service XXXX XXXX XXXX XXXX to schedule a return of the equipment because I was not happy with the device. XXXX emailed me back on XX/XX/XXXX and quickly arranged for equipment disassemble and pickup from my home which occurred on XX/XX/XXXX ; this was within the 30-day return window. Since that time Fortiva has harassed me daily to pay for the equipment, they refuse to let me speak with a manager or supervisor, and now they have begun  to destroy my credit. Product_Or_Service : XXXX XXXX XXXX XXXX XXXX Order_Number : XXXX Total {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I issued a cashier 's check from my online checking account at Capital One in order to make a payment to a title loan company. This check was sent through overnight mail from Capital One to XXXX, Idaho. The title loan company deposited this check into their XXXX XXXX account but Capital One issued a stop payment. When I was notified of this by the title loan company, I called Capital One and they confirmed they stopped payment due to what they claim was a " red flag '' by their fraud department. They told me to issue a new cashier 's check and refunded the total amount of my original payment so I could do this. I did issue a new cashier 's check. However, Capital One then proceeded to take that money out of my account, after first refunding it. This caused me to have double the amount of the original cashier 's check ( plus {$20.00} in overnight fees ) outstanding. And I have no access to the original amount anymore due to the bank withholding the monies until they " see the check. '' I emailed them the XXXX XXXX PDF of the check and the stop payment notification to the title loan company. They still wo n't give me back my money, even though they stopped payment, they issued the original check, and they have all this in their own records. I need my money back as soon as possible. They claim they need me to fill out an affidavit, which I refuse to do as this implied " lost, stolen '' checks. This is not the case. It 's an issue of Capital One not allowing me to write checks against my own checking account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 1. The lender (   XXXX   XXXX   ) re ceives notice from  XXXX  Police Department that my vehicle is being held in the impo und.   (  XX/XX/XXXX  ) 2. The l ender ( via supervisor  XXXX   XXXX   )  informed me that  XXXX  had taken possession of the vehicle and that it would not be returned to me per our agreement and default ( " DEFAULT. You will be in default and we may terminate this contract early  if ... ( e ) the ve hicle is seized by any local, state, or federal government or authority.  '' (    XX/XX/XXXX  ) 3.   Repo ssession agenc y (   XXXX   XXXX , state license  XXXX   )  sent letter to me notifying me of " my right to retrieve my personal effects or other propert y. '  ' (  XX/XX/XXXX  ) 4. Lender sent me " Notice After Repossession. '' (  XX/XX/XXXX  ) 5. Lender sent me a " Notice of Right to Recover Vehicle '' mentioning that the account was now CLOSED. The notice read " you do not have a right to reinstate the contract for the following reasons : you have not paid an amount equal to 30 % or more of the deferred payment price at the time of repossession. '' (  XX/XX/XXXX  ) Pulled c  r edit reports from the  XXXX  credit bureaus  (  XX/XX/XXXX  ) 6. Dis puted the accuracy from my auto lende r (  my   XXXX   XXXX   ) with each of the credit bureaus, requesting that the account with  XXXX  be closed, and that all negative remarks fr om  XX/XX/XXXX  to  XX/XX/XXXX  dele ted.    7.  Mailed and faxed supporting documentation for my dispute to the  XXXX  credit bureau s. (  XX/XX/XXXX  ) 8. Informed by credit bureaus that the inaccurate information would n't be deleted, and that they have no information from the lender to share with me. After talking to the supervisor, he refused to " continue to talk in circles with me regarding their legal obligation to report accurate information under federal law 15 USC 1681i ( Procedure in case of disputed accuracy ), and hung up while I was talking. (  XX/XX/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 04-01-2015 about Payday loan () with Mobiloans, LLC (CT).
Issue: Received a loan I didn't apply for

Complaint: I recently received a statement from a collection company ( XXXX XXXX XXXX ), attempting to collect on an {$800.00} outstanding loan, on behalf of a company called " Mobiloans ''. Knowing that I have never applied, nor received any funds from such company, I called Account Discovery System and spoke with account manager " XXXX XXXX '' to discuss the matter. After discussing with him the details of the situation and letting him know that I have never established any lending relationship with " Mobiloans '' ; finding it extremely suspicious that I have never even received any statements or attempts from the company itself, trying to collect on the " supposed loan '' and that it was sent straight to collections. Without any regards to me discussing this " non-existing '' loan, he attempted to try to settle this {$800.00} balance, for {$500.00} if I 'd pay right away. At this point I was not even aware for whom this collections company was trying to collect ; therefore I asked him for the name and details of the company, so I can attempt to gather all the facts. He provided the company name " Mobiloans '' with the corresponding account number and contact number. After speaking to a " Mobiloan '' representative about the situation, she was " NOT '' able to find any account information relating to any loan taken under my name, social security number, telephone, address ; stating very clearly that " Mobiloans '' has " never '' established any accounts with me. The representative that helped me, was the very same one that suggested and directed me on where and how to place a fraud complaint. " XXXX XXXX XXXX '' is ignoring what I have stated, insisting on " settling '' this " non-existing '' loan for a lower amount.

Company response to consumer: Untimely response
Consumer complaint received 04/14/2016 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I claimed bankruptcy last year and bills are from the year before. They should have been discharged

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX -I was month to month on a lease of a house. The owner of the home switched Property Managers and they wanted a 12 month lease and an increase in rent. I declined and moved to a new address that would not allow satellite tv. I talked to several people at XXXX XXXX including supervisors who stated as long as all of the equipment was returned I would not be charged a cancellation fee. However a cancellation fee was applied. I never received notification at my new address but is now reported as a collection account on all XXXX credit reports. XXXX XXXX and Debt Buyer refuse to help. Convergent is the debt buyer.

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 03-01-2018 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 few months ago I found out that there had been three hard inquiries added to my credit file. I didn't recognize the companies nor had I authorized them to run my credit. I mailed a letter to Transunion over 30 days ago and have not heard back from them. These are the three companies involved that Transunion shows have reported hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 explanation
Consumer complaint received 02/22/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Other

Complaint: I ask for a Business Credit Card 1 month ago, but the Bank pulled my Credit Report 3 times. 


I applied for a business credit card on XX/XX/2017. 

But I have 3 inquiries XXXX XX/XX/2017, XX/XX/2017 and XX/XX/2017 )

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have medical debt from XXXX XXXX XXXX XXXX (? ) 3 of the debts were covered by insurance at that time. They refuse to seek payment for same. The MAIN concern is that the debt was sold from one agency to another agency, - ARS. ARS has listed the collection again from XXXX to forward EVERY month in an attempt to re-age the debt. I tried calling them. It did no good. The {$810.00} amount is the one they report every month. That debt was not covered by insurance. I am not disputing that I owe it. However, the debt is from XXXX/XXXX/XXXX. ARS has re-listed the debt/collection as if it were new. It is not. I believe this practice is referred to as re-aging and is an illegal practice. Just because they bought the debt from another agency does not start the clock over ... Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (Other debt) with Monterey Financial Services LLC (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I spoke to a representative of the company and I explained to her that I would like to start making payments on the debt owed. She repeatedly told me that it was their companies rules to charge me XXXX $ each time I paid a specific amount owed towards the balance. I asked her if she had any information on that policy she told me no they do n't share that information with clients. Something 's not right with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation