milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: AS IS REPORTED BY YOU OFFICE DITECH IS NR XXXX OR SO ON THE LIST OF THE U.S. WORST COMPANIES FOR COMPLAINTS OF FRAUD BY CONSUMERS. MY LOAN WAS ORIGINALLY WITH XXXX WHO TURNED IT OVER TO XXXX, WHO TURNED IT OVER TO GREEN TREE WHICH IN TURN WENT UNDERGROUND AND BECAME DITECH. XXXX ITSELF IS NOT MUCH BETTER. MY LOAN IS A SIX AND ONE HALF PERCENT LOAN WHILE THE REST OF THE U.S. IS IN THE ONE TO TWO PERCENT RANGE. IT IS A NO RISK TO DITECH XXXX XXXX LOAN.. I HAVE REPEATEDLY ASKED FOR AN INTEREST ADJUSTMENT BY DITECH XXXX AL. THIS IS A XXXX COMPANY WHICH ALSO OPERATES UNDER THE " DO IT TO OTHERS BEFORE THEY CAN D IT TO YOU '' COMMANDMENT AND THE BUSINESS MOTTO OF '' PREVARICATE, CHEAT AND PURLOIN '' THE LATEST COURT ACTIONS ARE PART OF THE CONTINUING EFFORT LOAN COMPANIES TO PERSECUTE XXXX XXXX AND THE CFPB, THE ONLY GOVERNMENT AGENCY THAT TAKES THE SIDE OF THE TAXPAYER AND CONSUMER. 
THE CONGRESS ITSELF IS PUTTING IN MAJOR EFFORT TO AUTHORIZE LOAN COMPANIES TO DRAIN THE BLOOD OF THE TAXPAYERS. I WOULD BE WILLING TO BE A WITNESS FOR CFPB AT ANY CONGRESSIONAL HEARING ON THE SUBJECT. DITECH EFFORT AGAINST ME IS ALSO XXXX ABUSE AND AGAINST CIVIL RIGHTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: A short sale contract/offer was submitted to Ocwen on XXXX/XXXX/XXXX. Though a file manager was assigned on XXXX/XXXX/XXXX, and though I spoke and exchanged email with escalations, and though the file was identified as requiring a loan modification offer and denial in XXXX, the file has still not been deemed complete.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: Citi failed to refund a double billing on my card from 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 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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: On or about XX/XX/XXXX, an open collection appeared on only my Equifax credit report. The collection is allegedly for a medical bill of {$270.00} that I got charged on XX/XX/XXXX from XXXX XXXX XXXX. On XX/XX/XXXX, I was XXXX to XXXX. I am an XXXX XXXX XXXX XXXX. My healthcare is free. There is no possible way that I incurred this debt. I made a complaint with Equifax. They investigated it and said that is was a legitimate debt and kept it on my credit report. I never incurred this debt. It is not possible. This erroneous report will cost me money because it has dropped my credit score over 50 points from my XXXX credit score, which does not have this report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In XX/XX/XXXX, I was notified of a Tax Lien filed against me by the XXXX XXXX XXXX filed in the XXXX Superior Court by the Clerk. The Lien was filed XX/XX/XXXX for tax debt owed from the tax year XX/XX/XXXX. I had never been informed of this outstanding tax debt and had appropriately filed and paid my Georgia state tax. At the time of the lien filing, I had just gone through a Chapter XXXX Bankruptcy file XX/XX/XXXX and cleared XX/XX/XXXX. I moved from the State of Georgia in XX/XX/XXXX. Upon receipt of the notice of lien, I immediately contact the XXXX XXXX XXXX XXXX and paid in full the lien with it subsequently being released as paid in full on XX/XX/XXXX. I believe the Lien was filed in error as I was never properly notified about impending lien and was unaware, based on my previously filings, of any outstanding tax debt. I have contacted the XXXX XXXX XXXX XXXX as well as the Superior Court of XXXX County requesting a lien release through the " Fresh Start Program '' and have been denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (OR).
Issue: Application, originator, mortgage broker

Complaint: My home that I live in in XXXX, XXXX at present recently sold, it is closing on XXXX XXXX, XXXX. Originally XXXX was the XXXX lien holder who sold note to XXXX XXXX XXXX then Green Tree Servicing then currently Ditech is the servicing company. There is also a XXXX mortgage on this home that is serviced through XXXX whom is reporting in good standing and was originally serviced by XXXX then XXXX XXXX XXXX. XXXX is not showing any bankruptcy what so ever. I am working with my lender on a new home in XXXX, XXXX which is to close around XXXX XXXX. 
XX/XX/XXXX I was discharged from bankruptcy court filing chapter XXXX but kept my home that I 'm selling and a rental property in XXXX which is serviced through XXXX XXXX, always has been. For some reason none of the properties were reaffirmed and of course it is to late because banks wo n't let this happen after discharge. I have every intention of following through with my loan obligations. While working on a new loan with my lender for the purchase of the XXXX home we have discovered that Ditech is not reporting my good standing to credit bureau. This is affecting me in regards to getting the best possible scenario in a loan. I 'm in desperate need of your help in talking to Ditech by XX/XX/XXXX as that loan is getting ready to be paid off. It would be beneficial for them to report on my behalf. My attorney that did my BK called XXXX XXXX ( XXXX property ) XX/XX/XXXX to help me to get them to report to credit bureau because of same scenario. They are now reporting me in good standing to credit bureau. I Have worked hard to regain my credit and good standing. If you can help in any manner it would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address listed for me where I have never lived. I have never lived in XXXX Virginia. Address listed is XXXX va XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Medical debt) with United Revenue Corporation (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: IN REGARDS TO : UNITED REVENUE CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX. ON XX/XX/2017 A CERTIFIED LETTER WAS SIGNED RECEIVED BY XXXX XXXX FROM USPS. I HAVE NOT GOTTEN A RECEIVED INFORMATION THAT I REQUESTED A DEBT VALIDATION LETTER ASKING FOR PROOF OF THE DEBT THEY CLAIM I OWE AND PAPERWORK BEARING MY SIGNATURE. I HAVE YET TO GET A RESPONSE YET AS ALL THREE ACCOUNTS REPORTING ON MY XXXX REPORT HAVE DIFFERENT ACCOUNT NUMBERS BUT SAME AMOUNT. THEY HAVE NOT FOLLOWED THE ( FDCPA ) RULES AND REGUALTIONS. I KNOW THAT MY RIGHTS ARE TO BE PROTECTED BY THE VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES. THEY HAVE NOT VALIDATED THAT THE DEBTS BELONG TO ME BUT INSISTED ON BREAKING THE FDCPA RULES OF REPORTING WHILE VALIDATION WAS IN PROCESS THE COLLECTION AGENCY IS NOT ALLOWED TO REPORT TO ANY OF THE 3 MAJOR CREDIT BUREAUS. I AM JUST TRYING TO STRETCH MY RIGHT TO REQUEST VERIFICATION UNDER 15 USC 1692g Sec. 809 ( b ) of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax indicated to me today ( XX/XX/2017 ) that my personal data may have been breached in a cyber attack against them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Fedloan capitalized XXXX in interest to the principle of my loan because, under my repayment plan REPAYE, if you are not re-enrolled every year in the same plan without a gap, any interest is capitalized. If it had not capitalized, this plan would subsidize the interest, which is why I chose it. 

In early 2017 when I reapplied for the plan, Fedloan let me know over the phone that it may take longer for my application to process because there is trouble getting income tax info electronically and everything is done manually. My application took much longer than the estimated time ( 14 business days ) so I was subsequently kicked off the REPAYE plan. Soon after my application was approved and I was re-enrolled in REPAYE. But, during that short gap, the interest to be subsidized capitalized to my principle. 

Over the phone, the representative agreed that I had applied on time but they took too long to process. But, they believed that my interest should have been capitalized even due to their own delay. Twice, I submitted a request to review what happened and never got a response. I was told by one agent that I should have thought of this before I took out so many loans. I was also told that I should not care that my principle is XXXX more because " it will be forgiven in 25 years ''. That XXXX will accumulate interest as well and I will ultimately pay taxes on it if it is forgiven.
I feel Fedloan is being careless about helping me follow and stay on my payment plan, and even carelessly adding thousands of dollars to my debt. I do n't feel like I have a voice and I have to give into anything they do because there is no oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 disputed unauthorized inquiries that are appearing on my Experian credit reprt and they have not been removed. I have filed an identity theft report, which I attached a copy here. After filing an Identity theft report, and placing a fraud alert on my credit reports, I am trying to have all fraudulent and erroneous information removed. I would like Experian to remove the following inquiries : -XXXX   on XX/XX/XXXX -XXXX on XX/XX/XXXX -XXXX of XXXX  on XX/XX/XXXX -XXXX on XX/XX/XXXX -XXXX XXXX XXXX on XX/XX/XXXX I would also like an updated copy of my credit report sent to my address on file once this information is removed.

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 02-02-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Multiple wrong address information..on my XXXX, XXXX and Equifax credit files 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 , 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 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 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 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 XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2017 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Acura Financial Services has never honored the original contract : it was an interest free loan yet mid-way into the contract I was charged interest ; I was told the additional coverage I purchased would extend the warranty to 130,000 miles to ensure I received the full 100,00-mile warranty, as the vehicle had 30,000 miles on it at purchase. XXXX XXXX at 100,000 miles forcing me to take a refund for my coverage in paid services on the vehicle at Acura. Acura found enough in repairs to ensure I received none of the refund in cash.
I have fulfilled my contractual responsibility to Acura financial services as it pertains to my XXXX XXXX XXXX, but I have yet to receive the owners registration ; Acura has continued to hold my pink slip XXXX, while illegally access the vehicles computer system manipulating and interfering with the vehicles performance by generating error code ( ALL CODES DIRECT YOU THE ACURA DEALERSHIP ) and added additional fees at the end of the contract, in an effort to extort additional monies ; this is extremely egregious and despicable behavior on the part of the lender.
I experienced a major reduction in income when my medical status changed in 2013 to XXXX, with a diagnosis of XXXX XXXX. Because of the reduction in income I incurred late payments ; even with my repeated explanations of my medical status and irregular XXXX disbursements to Acura representatives, Acura still actively embarked on a despicable and unlawful campaign of harassment and bulling via the manipulation of the computer system in my XXXX XXXX XXXX.
Acura persisted in a hostile position of aggressively manipulating the computer system on my XXXX XXXX with error messages, disruptions in the performance of the XXXX vehicle, disruptions in the functions of the various systems on the vehicle and harassment of friends, family, neighbors and myself with repeated activations of the loud security system during the very early hours in the morning and late night. This egregious, instructive behavior on the part of the Acura corp. under XXXX XXXX XXXX XXXX XXXX is complicit in manipulating the vehicles computer system, diminishing and/or damaging the vehicles performance, forcing unnecessary and burdensome repairs which generated revenue for the corporation and created a financial burden for this owner. Their action damage the battery, forcing the purchase of 4 batteries and resulting damage so extensive to the transmission I was forced to pay over 5,000.00 in repairs.
I have written letters and contacted the company via telephone in an effort to have them compensate me for the losses I incurred as a result of their unlawful behavior and the immediate release of the title to my car as I have fulfilled my contractual responsibility to them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My student loans have been forgiven XXXX and the creditor XXXX responded to the dispute telling the agency to delete the accounts from my report. I have called Transunion and uploaded the documents. The creditor has sent the documentation at least XXXX times. They will not correctly update my report. I am attaching the report that was sent to each creditor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX, I spoke with XXXX at XXXX who switched my account to a different model for better pricing. I asked her at the time if there was any penalty if I had to cancel. She said no penalty as long as I was moving somewhere where there was no XXXX service. I moved from XXXX to XXXX, NC in late XX/XX/XXXX. I informed XXXX in XX/XX/XXXX that I would be moving and that the apartment I was moving to only gave me the option of XXXX. I gave them the address and phone number to verify. On XX/XX/XXXX, XXXX from XXXX indicated there would be no early termination penalty since I had no choice in the matter. Since then I have been harassed by three collection agencies. The first was XXXX XXXX, XXXX in XXXX, MO. The second was XXXX out of XXXX, IL. I wrote certified letters to five executives at XXXX. I asked for proof either in writing or to get a copy of the recorded call with XXXX of the early termination charges. I was told by XXXX on XX/XX/XXXX, I would have to go to court to get this. I just received another letter and several phone calls from a third collection agency, XXXX XXXX. This is NOT verifying that I owe the charges they claim. I want this harassment from XXXX and XXXX to stop IMMEDIATELY. They must provide in writing that I authorized these charges which they will not and can not do. Thank you for your assistance in this matter.

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 03/29/2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Contacted BankofAmerica.Reference to Mortgage loan being delinquent. 
Entered into a short forbearance payment plan, to start on XXXX/XXXX/2014 with XXXX for 4 months. This would catch us up to current status at end of XX/XX/2014.Have submitted XXXX pmts of XXXX by transfer of our checking acct, Totaling XXXX to mortgage dept andstatements showing confirmation # Received and posted.to misc.posting But, due date notcorrected.On last pmt. to be made, We contacted BOA due to an emergency, Had to usedlast pmt funds .Come to find out loan xferred to other lender.With info. not being corrected. 
Nationstar working with us on modification of our mortgage loan, but, show us for XXXX pmts past due.Request, to locate funds.Where are our pmts? Even out interest and escrow acctsare wrong.Pls Help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: So my husband and I finally had the revelation to file taxes separately in order to drop my monthly payment for my student loans. I am under the  PAYE  program and public service loan forgiveness, so my goal is to get as tiny of a monthly payment as possible.     My current payment is {$1300.00} per month. According to the payment calculator, my new payment since filing separately will be around {$300.00}. I applied to recertify/update my income with myfedloan servicing  ( FedLoanServicing )  on  XXXX   XXXX . They told me it would take  7-10  days to process, that I would still need to make the  XXXX  payment of {$1300.00} but by  XXXX  it would be the new, much lower payment.     Well, it 's been crickets. Finally, I called yesterday and was told that my application was still being processed. That they are experiencing delays with processing, and now it could take between  15-30  days! So I 'm going to have to make ANOTHER payment that is {$1000.00} higher than it should be. I asked if I would be reimbursed for the difference and surprise surprise, no, I wo n't be. Is n't there some sort of limit by law on the time they can take to process a repayment application?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We are currently trying to refinance our current mortgage to XXXX from Ocwen. We had a loan modification with Ocwen XXXX. We are not late with payments or in foreclosure. We started the process for refinance over XXXX weeks ago with Cash Call. Ocwen will NOT provide the pay off to XXXX. They have been harassing me, stating they need various " bogus '' things. XXXX requested the payoff, but they call and harass me! An example of their misdeeds ... I spoke with them XXXX XXXX at XXXX very upset because they had not sent the pay off to XXXX. The agent told me after she spoke to her " supervisor '' that they DID indeed have a copy of that appraisal and the pay off would be sent to XXXX XXXX within 3 days. Come to find out someone at Ocwen cancelled the request for pay off the evening of XXXX XXXX, because they " could n't reach me to get authorization for the pay off ''. I had just spoke with them the day before! They assigned me to XXXX XXXX XXXX XXXX XXXX XXXX X XXXX. They keep with these types of games. An appraisal was done within the past 6 weeks. They are trying to make me pay for another appraisal by THEIR company. I have sent color copies of the appraisal and XXXX has ALSO sent color copies of the appraisal. I have just received another call from an appraiser from Ocwen today. They are breaking the law by withholding the payoff to XXXX XXXX. We have a right to refinance. They have all the documentation they need and are still playing games and breaking the law. We want our pay off to XXXX XXXX ASAP and litigation brought to Ocwen for their continued misdeeds and breaking the law.

Company response to consumer: Closed with explanation