milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2017 about Mortgage (Other mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I am the attorney for XXXX and XXXX. 
Ditech apparently is the servicer and/or mortgage owner of the mortgage against their house at XXXX, IL, XXXX. There was previously a foreclosure against my clients, Case No. XXXX in XXXX County, Illinois that was dismissed in XX/XX/XXXX. My clients filed a personal Chapter XXXX Bankruptcy, Case No. XXXX which was discharged in XX/XX/XXXX. In late XX/XX/XXXX, the mortgage lender, Ditech 's predecessor, entered into a Temporary Loan Modification pursuant to HAMP rules because their mortgage was backed by XXXX. To make a long story short, on XX/XX/XXXX, Ditech assumed responsibility for the mortgage loan, and sent my clients an offer loan modification by paying {$1300.00} a month at 2 percent interest, which they accepted by signing and notarizing the agreement with the required payment on the due date. Ditech and or any other lenders in interest gave up their right to seek foreclosure by accepting the payments and agreeing to dismiss the foreclosure lawsuit, XXXX. My clients gave up their right to pay nothing, as the debt had been discharged in a Chapter XXXX bankruptcy. There was a legally binding, contractual loan modification entered into between my clients and Ditech as of XX/XX/XXXX. Every month since XX/XX/XXXX ( and during the trial period from approximately XX/XX/XXXX through XX/XX/XXXX ), my clients paid the required amount under the contract by Ditech 's own records. Since XX/XX/XXXX, Ditech has sent my clients numerous letters saying that their loan is in default, and demand payments of large sums, demanding my clients sign a new loan modification with twice the interest, and/or threatening to foreclose and take their home away. But our screenshots of Ditech 's own records demonstrate they are not in default, and Ditech is in breach of the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to bring to the attention the deceptive bait and switch practices of Bayview Loan Servicing a third party servicer to my mortgage loan with XXXX. I fell on financial difficulties and broke not XXXX but XXXX repayment plans not knowing that my repayment could extend for up to six months. In my initial repayment plan I was offered that option but in my second I was not and could not afford the over almost XXXX payment with Student Loans, Childcare for XXXX children as a single mom coming out of a messy divorce. 

That on XX/XX/2017 I received a call from XXXX XXXX who direct dial is XXXX and can be reached via email at XXXXXXXXXXXX regarding my delinquent account. During that phone call I expressed to XXXX XXXX that I would like to enter into a repayment plan. Telephonically we agreed to a XXXX XXXX where my default arrearages would be spread out over the period of XXXX months with my initial downpayment due on XX/XX/2017 in the amount of {$3500.00} and my subsequent due every XXXX day of the month for the next six months for the rest of the arrears. Fast forward contacted me on XX/XX/2017 to state that I was approved for a loan modification where my loan would be essentially be restarted and will be over the next 40 years. Because I was in the midst of a emergency family matter I could not address the issue but later contacted XXXX XXXX and alerted him this is not what we agreed to. I would like the Maryland State Attorney, HUD, CFPB and other regulating agencies to investigate my loan and other consumers that may have fallen plight to something like this. While I understand that it may appear beneficial we all know that a restart of my loan for 40 years does not benefit me but the mortgage company. More importantly XXXX XXXX 's repayment schedule and plan that he claimed is on its way well let 's just say I never received it. XXXX XXXX contacted me today XX/XX/2017 stating that my call was on a recorded line. I in turn stated that Maryland XXXX requires that if I am recording our conversation that he was on a recorded line as well. XXXX XXXX stated that it went against Bayview business practices for consumers to record him. I let him know that I am sorry he feels that way but having been deceived by him I can not speak to a company that wants to record me but they not want to be recorded does not even make any plausible sense for a consumer to fall plight to something. Because Bayview will not willingly provide the transcript of the Repayment Plan I am asking for CFPB to intercede and get the schedule and transcript of calls in XX/XX/2017 to prove this material fact. I also ask that XXXX XXXX is held accountable for this as well by Bayview.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (I do not know) with Diversified Recovery Bureau LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On or about XX/XX/18 diversified recovery bureau llc XXXX diversifieldrecoverybureaullc.com contacted my mother in law XXXX XXXX and attempted to get information about me. She informed me that the caller identified hersel as XXXX XXXX. I called them back and informed them that this practice is not acceptable and should not continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LJ Ross Associates (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been getting these collection letters from an agency called L.J. Ross and Associates in XXXX these letters have charges up to I believe XXXX dollars on them they say from a light bill which I know is not true because my light bill is current and paid on time monthly and I know a light bill company would never let anyone get a bill that high without cancelling the service. I dont have a contract or recall ever dealing with this collection agency and would like to know why are they sending me bills that dont belong to me or I believe they have the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My student loans are in default. I have entered into a payment arrangement with ACT, the collection company for the loan issuer. Th e Dept of Education tel ls me they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to change  ( the d efault ) however, they should have to report my payments and show that I am trying.

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 09-05-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax has had incorrect information in dispute for 3 months and have not addressed it. I also sent in information to remove fraud alerts from my credit report months ago and they did not remove those either. Equifax has broken the laws not removeing the inaccurate items or addressing the disputes that were done online, in the mail and via fax. They did not remove all fraud alerts as well it was sent XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Problems caused by my funds being low

Complaint: Complaint is for Capital One Bank, I have my personal & Business Accounts with Capital One. They are charging me fees that I should not be charged. My First issue my debit card is being charged by playstation games and apple itunes they are charging me the fees per transaction. I have not allowed anyone to charge my card with these companies. I have disputed them in the bank they still refuse and decline my dispute. I have called the company that has been charging and capital one on conference call the company has told capital one that they do n't have my information and they do n't know how my card has been charged and the correct way would be to dispute the transaction and they company will reimburse. Capital one has still declined and denied my dispute. I have lost a lot of money in the year with all these charges. I have requested to speak to District Manger a lady at the branch names XXXX XXXX has refused to get escalated to the District Manager XXXX XXXX indicating he has no access to the banking information. I have sen many letter and requests to get a hold of someone to resolve this matter, but no success. 

My Second issue is that in the Business account they are charging fees and tI have set my Saving Account as an overdraft protection to the account. I ask them why are you charging me they are giving me explanations reasons that are incorrect even though they see I am correct.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a letter requesting that items on my credit were innacurate and asked that they were removed from my credit report. My request had not been answered in the`manner I had hoped for. The items I disputed from my credit report has not been removed and is disrupting my credit worthiness.

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 09-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion should not be allowed to charge for reveiling a person 's credit score. There should be one universal equation to caculate a score ; transunion, and each finacial institution should use different caculations for a person 's score that is not just. These score effect our lives, employers check credit scores. So how can we all be on equal footing if everyone is using a different equation? In XX/XX/XXXX They reported a score of XXXX in XX/XX/XXXX they reported XXXX and they only difference on my report is santander wrongfully reporting a miss payment and close account instead of account being paid off. And it is still being reported today.

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 09/15/2016 about Consumer Loan (Vehicle lease) with Byrider Franchising, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: I am homeless with my XXXX year old and I need to get an apartment for her and me, I can not efford to pay my car on a monthly basis, I would have to choose my daughter well being or live out of the car.. I choose my daughter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (Non-federal student loan) with GCFS, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This GFCS company has come after me for a debt from 2007 in which I signed up for an online c=College XXXX who shortly after I signed up lost their accrediation so I called them wanted to be excempt from paying this loan and they told me they would do so. I the mean time they turned it over to collectors who have contacted my employer and now put a lien on my banking accounts in the amount of XXXX which is everything I have. I have just recently gone back to work XXXX and was collecting XXXX benefits. XXXX. Please help me now I can not afford to go back on XXXX and they have left me with no money for resources.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Due to the fact that my situation is not properly available on this site as a choice to select. I have been violated by XXXX XXXX XXXX XXXX XXXX. ALso, by Experian Credit Reporting Agency. XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas. They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. '' I am in need of another Investigation to remove them from my credit report please.

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 10/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've made payments on time to the company XXXX based on the settlement I 've made with them. The actual balance of this account is XXXX and the other credit bureaus have it updated correctly but Transunion. I 've called XXXX and they confirm they have sent 3 letters to Transunion with the updated information and after more than 30 days Transunion still refused to update my information on my credit report, this situation is affecting my credit score in a really bad way. 
I 've called Transunion several times ( more than 4 times ) and they denied that information, Transunion lied saying they have n't received those letters from XXXX, Today XX/XX/2016 I 've requested to speak to a supervisor or manager and they hang up my phone call. They also refuse to record phone calls from customers, this does n't allow customers like me to get evidence of everything is discussed to Transunion, therefore customers do n't have the way to proof anything against Transunion. 
2. I also want to report that Transunion has my name spelled and written on different ways and they refuse to fix it. I 've requested to report my name in the correct way based on my social security information but Transunion have refused to fix this issue. 
3. I 've waited for more than 60 days for my account with XXXX XXXX to be updated which cause me a really big issue with my credit score. I made the final and total payment of the settlement to XXXX XXXX in XX/XX/2016 and they sent updated information to Transunion. But Transunion updated almost 90 days after that just now on XX/XX/2016. 
4. I have a credit card with XXXX XXXX with a {$740.00} balance by today XX/XX/2016, but although I 've told Transunion my balance Transunion refused to updated it and they still report a wrong balance of {$100.00} dollars, which is affecting my credit score as well. 
5. Transunion have also placed my account under Fraud Alert and they have n't giving my a real and acceptable reason for such a procedure.

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 12/16/2015 about Mortgage (FHA mortgage) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Application, originator, mortgage broker

Complaint: I completed a Streamline Refinance application with Banco Popular de Puerto Rico and on XXXX XXXX, 2015 received the initial Loan Estimate. On XXXX XXXX, 2015 I personally signed the disclosures at the nearest branch ; this same day I was charged the origination fee. As requested by the loan originator, XXXX XXXX, I proceeded to gather various documents needed to complete the file, including copy of my drivers license, utility bill and copy of my Social Security Card, and all were sent by email on or before XXXX XXXX, 2015. On XXXX XXXX, 2015 I received a letter by regular mail from Banco Popular indicating that in order to submit the application for approval, I neede to send the same documents previously provided, the SS card, driver 's license and utility bill. The documents were emailed to loan processor once again. Afterwards, I have made various attempts to verify the status of my application without obtaining any decision from Banco Popular. More than 45 days have passed since loan application without a decision and I fear they will change the offer I received for this transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received an attempt to collect a " debt '' in the mail from Enhanced Recovery Company , LLC ( ERC ). The letter stated " Dear CURRENT RESIDENT : Your recently disconnected XXXX XXXX XXXX account has been forwarded to us to assist you in the resolution of your balance due. Enclosed is a summary of your remaining charges. Please contact us today at the number provided below to pay your balance by phone. Thank you. '' I spoke with a representative at XXXX XXXX XXXX and they informed me that I currently have a XXXX balance and no outstanding balance from my account has been sent to collections. The representative forwarded the issue to XXXX XXXX XXXX 's fraud department. 

I then called ERC and the representative was unable to give me the specifics of the debt and they did not know my name, the representative knew me only as the " Current Resident ''.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus Inc. A home loan servicing company, states that I have a deficiency of {$890.00} When I call their XXXX The people that answer have no idea what is going on. They say that I am behind on my impounds, but can not actually prove it. They continuously refer to the " Escrow account projections '' for the next 12 months. Yet my numbers clearly show that the payments I make more then cover the P & I as well as the impounds. When in actuality I have over paid them in the past 3 years {$350.00} towards impounds. After explaining this, they tell me that I have a deficiency from a couple of years ago. Again I ask for specifics and they can not supply them. 3 out of the 4 times I have called Seterus, the representative gets very short with me, treating me as if I do not know what I am talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX  showing late payments on  XXXX  of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from  XXXX   XXXX   XXXX  showing no lates during the period in ques tion (   XXXX ,  XXXX ,  XXXX  of  XXXX  ). They are using voodoo math and tricks just like  XXXX   XXXX   XXXX  did. ( see FTC vs  XXXX   XXXX   XXXX   ).  They admitted their mistake on the phone. I want the CFPB to investigate  XXXX   XXXX   XXXX  on their business practices on how they report on all their customers to the    XXXX    Credit  reporting agencies. I feel I 'm not the only  one  they have hurt. Their mistake cost me  XXXX  points on my credit score.   Contract monthly payments are  XXXX . We pay  XXXX  month  to help pay the loan off faster. They told me they REMOVED a  XXXX   XXXX  payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm having a hard time understanding how both XXXX and TransUnion are violating the FCRA by not blocking these XXXX accounts within 4 business days after the receipt of my letters. I wrote last month letting them know that I 'm a victim of identity theft and that I require these items to be blocked and removed immediately and absolutely nothing happened! I sent my letter, identification, affidavit and police report and it makes no sense to me how they can just disregard this information! 

The account I 'm disputing with TransUnion is : I did n't apply for this, I did n't open this, I did n't do it online or in a store. This is NOT my account! This is a fraudulent account and must be blocked immediately XXXX XXXX I did n't apply for this, I did n't open this, I did n't do it online or in a store. This is NOT my account! This is a fraudulent account and must be blocked immediately 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