milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Massive frustration after many months to get a bad account off my credit, I can not buy a home until this happens. Wells Fargo Cash on Demand # XXXX XXXX XXXX XXXX is from XXXX, my ex-wife opened this for a school loan when we were married, at the divorce and clearly stated on the final divorce decree, this debt will remain with my ex-wife, she agreed it was hers, this was XX/XX/XXXX, and Wells Fargo seems to think as the secondary on the note they could come back to me if she quits making payments, I guess after it went to collections a few years ago, my ex agreed to a payment plan to settle the debt, looks like that will take years, Wells Fargo admitted to me that she has been making on-time payments for a few years. My attorney has told me that even if she defaults again, Wells Fargo can not make me responsible whereas the court has taken that from me thankfully.I have spoken with Wells Fargo numerous times and have finally worked my way up to management, XXXX XXXX, I hope I have her name right in the Executive Office, she just sends me to other departments and I have not yet found anyone willing to help, this is a horrible injustice to me, to keep me from buying a home for a account I have no power or ability to resolve, and the blatant disregard to at least try to help is criminal, they are no longer returning my calls, I have remained kind and patient. Please Please Please help me with this, really do not know where to turn, with all the negative press and news coming out of Wells Fargo I am not sure why they can remain in business, one of the folks in collections told me Wells Fargo has gotten way too big and there is no way they can service all they have out, just as a note my ex wife applied for this credit using my name and SS # without my permission, their so-called fraud dept was no help at all, please let me know what more you need from me, I am desperate and homeless, no rentals here in Utah and its killing me, Thank you, 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 06/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: After finding additional information, I 'd like to revise my earlier complaints ( XXXX and XXXX ). Green Tree 's reporting of incorrect information on my current credit reports at all XXXX agencies is worse than I thought. On my current credit report, they have incorrectly reported the date of last activity and the account closed date. Those listed on the attached XXXX report from 2010 provide the correct dates. I believe Green Tree is willingly and knowingly reporting incorrect information to the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: In   XXXX   XXXX  , I was notified by employer that a credit screening would be conducted and  may affect  my employment. Based on the result they received on  XX/XX/XXXX  I was told that my position was at risk and that I needed to explain certain items on my credit report. This is when I was told that I had been sued and the judgment was entered on  XX/XX/XXXX . I was not aware of who was suing me until I contacted  GE Capital Retail b ank who notified me that my debt was sold to  XXXX   XXXX . When I contacted  XXXX   XXXX  I was told that they 'd taken legal action. The total debit for the collection account was {$3000.00} and the legal item was {$2900.00}. At this time I ended into payment arrangement with them because I was given less tha n 1 w eek to show proof of payment arrangements and proof of first payments made to my employer. I agreed to and initial payment of {$250.00} on  XX/XX/XXXX ,  2 rec urring payments of {$250.00} beginning   XXXX  , 15 monthly payments of {$150.00} beginning   XXXX   and a final payment of {$87.00} on  XX/XX/XXXX . At the time, my job was at risk however I was notified the following week that the credit screening would discontinue but at this time I was in a payment arrangement and I no time to do any research. I received a letter dated  XX/XX/XXXX  stating that the judgment against me would be place in forbearance and the legal action would discontinue contingent upon me paying as agreed. As a need for a new vehicle has come in to place, repairing my credit has become vital   XXXX   stated to look into the judgement against me. I contacted the court on   XXXX   XXXX   XXXX   and that was when I was told for the first time that a default judgment was entered against me. After further research I realized that this could only happen if i failed to respond to service of legal action but I did not recall being served. On   XXXX   XXXX   XXXX   I made another call to the court to find out when and how I was served. The clerk stated that an affidavit was submitted stating that I was served in person on   XXXX   at and old apartment and that I signed for it. I moved away from the address that they claim I was served at    XXXX   XXXX    and would have be at work at the time of service, so it just was n't possible that I could have been served. In the state of Texas there is a timeframe in which the court must receive response to a default judgment and I am now far out of that timeframe because I was never notified. This creditor has submitted completely false information to the court. Now I have the original creditor, the 3rd party, and the civil judgment reporting on my credit reports and the amounts are different.

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 Checking or savings account (Checking account) with FIRST CITIZENS BANCSHARES, INC. (SC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Unauthorized amounts were drafted from my checking account on XX/XX/XXXX and XX/XX/XXXX both in the amount of {$1000.00} totaling {$2000.00}. The reason it went as long as it did was because I was working away from home. When I realized what was happening I contacted XXXX ( XXXX XXXX XXXX XXXX XXXX ) by phone on XX/XX/XXXX and complained. I then sent a letter to them on XX/XX/XXXX explaining the situation and what had happened. I got a returned letter that said request denied. Without any approval from me XXXX not only extended the duration of a policy for me but increased the premiums over ten times the previously agreed upon amount.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (WA).
Issue: Application, originator, mortgage broker

Complaint: I was told by Quicken Loans that I could refinance with XXXX closing costs at 4.375 %. I would receive {$4000.00} in Lender Credit to cover all closing costs. 
However, if my house appraisal resulted in an 80 % Loan to Value amount to be financed, the interest rate would drop to under 4 %. 
The Good Faith Estimate was changed to reflect $ 3.999 %, but then the Lender Credit was changed and I was expected to pay almost {$3000.00} at closing to Quicken. The reality was that I had to pay to obtain the lower interest rate. 
I believe this is clearly bait and switch. Quicken should be ashamed. 
In an earlier complaint, filed by me, Quicken also ruined my credit score with their multiple hard inquiries on my credit report. 
I was also forced to forced to deny that I disputed an outstanding balance from XXXX Bank, when in fact, I did dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Credit decision / Underwriting

Complaint: My home was taken off my credit report. I filed a bankruptcy loan back in 2008 and I clearly told my attorney to make sure my house was not included in the bankruptcy. My mortgage servicer was Greentree, the mortgage was reported in my credit report properly, but DiTech took my loan and removed my home from my credit report, even though they recently sent me a verification of mortgage stating the home was mine. This has ruined my credit. I have talked to them on many occasions and they are not willing to help. I tried to get a reaffirmation and mt bankruptcy attorney has been uncooperative. My loan investor is XXXX and they have told me they do not know what I should do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX 2018 I received an alert from my credit monitoring app that my discover student loans was 2 mths past due. I immediately called discover and Notified them of the report. They said that was an error and their part and that the two loan amount were n't allocated properly. They promised they would notify the creditors. A week later it was reported that indeed the accounts were in good standing and never paid late. On XX/XX/XXXX I received another alert from my monitoring app that my student loan was 30 days past due. I have never paid late and they have continued to cash the checks I send every month. This has affected my credit score in the worst possible way. My score has dropped 70 pts which is crippling my ability to obtain any loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: When we first got our loan from 5/3 bank, things were good. Until we got our tax bill from XXXX XXXX the following year. Apparently out taxes were not being paid by our mortgage company, even though we had an escrow account. After talking to 5/3 at length about the issue, they then paid the taxes, late fees and all. This is important to note since after talking to XXXX XXXX, they said had they not paid it right away, they could have reduced the late fees. This essentially cost us thousands of dollars. This shocked me because instead of our mortgage company going to XXXX XXXX and trying to reduce these fees, they were more interested in causing us more hardship. The really messed up part is that they rolled those late fees, which were all because of them into our escrow shortfall. Now maybe that is my own fault for not arguing with them to get that fixed at the time, but I did n't think that they were looking to essentially take advantage of us. I actually trusted them. Now here we are 1 year later and we get another increased bill because 5/3 did n't question the tax bill. While I understand that if they get a bill from the city/county they have to pay it, but it was pretty obvious to me at one glance that when my summer taxes doubled, that there was a mistake by the county/city. So instead of a mortgage company looking out for it 's clients, all they did was take advantage of the situation. They raised our bill and to compensate for the shortage. I have since called the county/city and they have stated that it was an obvious error and had they been alerted to it earlier, they could have corrected it before the payment was submitted. They sent it to the board and have revised the taxes. I have sent this information to 5/3 and they said that they will not correct the issue until they talk to the county, which is funny that if they had done that in the first place none of this would have happened in the first place. So now they want me to pay the increased bill even though we ca n't afford it and they are threatening us to make the payment. I have explained that as soon as we get this check from the county/city, we will make our payment. It has become clear to me that this company is all about getting more money from their clients then they are about actually take care of their clients. They have taken advantage of us and done nothing but done so unethically and negligently.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Auto) with Financial Credit Service, Inc. (OR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX sold a XXXX year old debt to Asset Recover Associates, Inc in XXXX, IL. now they called me and say they want to collect. The first representative said a court order was already filed in XXXX XXXX under an attorney named XXXX XXXX and that I had missed my court hearing back in XXXX of XXXX. I told him they needed to serve me court papers, he said it was public notice and I do n't have to be served, then I asked him his name and he quickly transferred me to another person. The next person would not give me her name either. but she said this was not filed in court yet and I needed to pay them {$11000.00}. As soon as I told her this was almost XXXXyears old she hung up on me. I tried calling them back asking for an address for the company and the woman on the phone refused to give their business address. I pulled my credit report and they are on it that is how I was able to obtain their address and phone number. How can they have a right to be on my credit report? I resolved this issue back in XXXX, but that company still sold my information to another company. I went through the shooting at XXXX XXXX XXXX and my XXXX has slowly been settling down when this call comes in. Again I am not sleeping, I am afraid to go out doors. Thank you for this website.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with I.C. System, Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: IC Systems has sold this account to XXXX XXXX XXXX. This account was paid to XXXX and marked as such on the credit brureaus reports. I have disputed this account with IC systems on XXXX XXXX asking for validation of the account and recieved nothing in response.

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 04/16/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a student loan now serviced by Navient. 
Navient just sent me notice they have automatically decreased my payment amount by half -- this is without my consent. 
In effect, Navient is trying to double the length of my repayment AND charge me the related interest. 
Navient offers no way for me to manage the payment amount through their web site or through their automated phone system. I can LOWER my payment through these automated systems, but I can not restore my original, higher payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have multiple inquiries on my credit report that were unauthorized. There is no way that someone should of been able to access my credit file this amount of times unauthorized.   Experian should delete these back to back inquiries asap.     Account name   XXXX   XXXX   XXXX   Date of request ( s )  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 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 11-07-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Over a year ago, I spoke with Ombudsman with XXXX. 
XXXX, I was told to apply for a Loan Discharg : False Certification because I never received employment for the education I received Loans for. In XXXX of 2015, I sent my Application of Loan Discharge to my Loan Provider, American Education Services ( AES ). For the past year, AES Has reported to me they have " lost my application, '', Admitted " my information has sat on their desk for months, '' not responded in a timely manner-then informing me I had to submit a new application " because the old XXXX expired. '' I am on my fourth application and I still have no acceptance of my Loan Discharge from AES, and interest on loans is accumalating. I want to receive my Loan Discharge Please advise. My phone number is XXXX. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (TN).
Issue: Trouble during payment process

Complaint: I started contacting Loancare mortgage company in XX/XX/XXXX about failure to pay my county taxes from my escrow account. I have contacted them 6 times only to be given dates for it to be paid but none of the dates were met. Taxes still have not been paid.

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 04-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: TransUnion continues to report bad and incorrect infromation on my credit report regarding XXXXMortgage., Acct # XXXX. TransUnion is reporting that, 'Legally paid in full for less than the full balance '. This is incorrect, as the BALANCE WAS PAID IN FULL and there was not a settlement for less than the full balance. Supporting documentation attached

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband was a XXXX as a result of XXXX. I had a lot of bills to pay after he passed and failed to cash XXXX checks and found them last year as I was cleaning up my home. I contacted OCWEN and was told by OCWEN to submit the checks to be reissued which I did on XXXX XXXX, XXXX ( attached ). Over a year went by and I got no response. I contacted them again earlier this year and finally received a response from them dated XXXX XXXX, XXXX ( attached ). In my view their response is purposely very confusing and they claim my ( by then ) dead husband had confirmed receipt in XX/XX/XXXX and as such they are refusing to reissue my checks and refusing to send me the money which is rightfully mine. We are talking over {$12000.00}. I just sent them another letter today asking them to reissue the checks and pointing out my husband was dead when they claim he confirmed receipt. Regardless of whether the checks had been received none were ever cashed and they have my money to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recently checked my  XXXX  Credit Report  &  found a collection account owned by  Berks Credit &  Collections. It is a medical debt in the amount of {$130.00} that was placed for collection on  XXXX   XXXX . The original Creditor on the account is  XXXX   XXXX   XXXX   XXXX . I disputed the collection account through  XXXX  in  XXXX    XXXX  . The reason for the dispute was because I do not have a contract wit h Berks Credit & Collections, wri tten verbal or otherwise & had no knowledge of the account. Within a week of me initiating the disput e, Berks Credit & Collections may  have Duplicated the same account & added it to my  XXXX  Credit Report as a new account which dropped m y credit score  by  XXXX  points.  I Believe that Berks Credit & Collection  assigned the " new account '' a different account number. The original Creditor on both accounts is  XXXX   XXXX   XXXX   XXXX . Both Accounts show the exact same open date  XXXX   XXXX  & the exact same balance of {$130.00} yet each account has a different account number. I believe that duplicating an account & adding it to my Credit Report as a new collection after 4 years & 8 months violates FDCPA. Furthermore, under new law consumers are required to have  a 180 w aiting period before having medical debt placed on their credit report. The new account which I believe is a duplicate was placed on my credit report in  XXXX    XXXX  . Even though the account is 4 years & 8 months old & I was never notified about the alleged debt before it was recently added as a " new  Collection. '' I & Berks Credi  t &  Collections both reside in the State of Pennsylvania. According t o 42 PA. CS. 5525 ( A ) The Statue  of limitations on written contracts, oral contracts promissory notes and open end accounts including medical debt is 4 yea rs. Berks Credit & Collections  did not pursue any legal action regarding the alleged debt within the 4 year time frame which now makes the alleged debt legally unenforceable ( Especially since I never had any form of contract with them to begin with )

Company response to consumer: Closed with explanation