milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-10-2015 about Debt collection (Medical) with Consumer Collection Management. Inc (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Person contacted me on my cell phone- i asked her not to call me on my cell phone and ended the call- she then contacted my office phone and asked me to transfer her to HR - I can not do that since I work from home but gave her the number. She called HR and told them who she was and that she was trying to collect a debt that I refuse to pay. 

I have payed this debt and have receipts but they continue to " collect '' on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Consumer Protection Division Ditech will not acknowledge receipt of my complete borrower 's assistance application received on XX/XX/2016 in their Loss Mitigation division in XXXX, AZ. 
Ditech Financial is generating statements claiming that my loan became delinquent on dates that are not true since they took over my loan in XX/XX/2016. I keep showing them proof of payment. 
Ditech is not posting payments on the day it was received. 
The statement dated XX/XX/2016 was received XX/XX/2016 and the statement dated XX/XX/2016 was received on XX/XX/2016. 
The statement dated XX/XX/2016 inaccurately states XXXX payments were missing. 
Check number XXXX for {$1100.00} was received XX/XX/2016 and cashed XX/XX/2016. Yet, Ditech held posting the payment until XX/XX/2016. 
Since Ditech likes to call payments not received on the XXXX of the month as missing payments. 
Ditech will not apply my additional principal to the principal and is putting them in a funds in suspense account. 
Enclosed the tracking information for my XX/XX/XXXX payment received XX/XX/2016 and the borrower 's assistance application which was received XX/XX/2016. Returned checks for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 statements. Copy of check # and XX/XX/2016 statement stub for XX/XX/2016. A copy of the letter with borrower 's assistance application showing all the documents needed to process the application were submitted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: I had a XXXX mortgage on a rental property that went into foreclosure with OCWEN Loan Servicing. OCWEN was contacted and a settlement agreement was reached and the amount they agreed on was paid off. After pay off they sent the loan to collections. The collections agency was sent the documentation of the settlement and they confirmed with OCWEN that the loan was charged off. 
In a recent check of my credit report OCWEN reported that the loan was closed and settled on XXXX of the XXXX credit reporting agencies. I filed a dispute with the XXXX credit report that was incorrect and they reported back that OCWEN said the information was correct. I contacted OCWEN, who said they did n't have access to that loan any longer because it was sent to the collection agency. After several phone calls they opened a case to research it. Initially they called back and said the loan was still owed. I then had them call the collection agency, who told them it was charged off. They opened another research case. They finally called and said it was paid, but after more then a week I have not received confirmation that it was paid off, nor has the credit report been updated. I have sent several emails and left several messages with no contact back. 
Though OCWEN says they are doing something to research the problem it has been found that it is only lip service and no action has been taken. Do not accept their " initial '' findings. I have had to call back a dozen times before they found documentation that it was paid, even though they have not yet sent me the documentation or reported it to the credit bureau. I expect it will take another dozen phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: JPMorgan Chase is a XXXX participating servicer. XXXX allows for full lien extinguishments I requested and was told that I qualified for full extinguishment of my second loan ( Loan # XXXX ) after I provided all requested documents to JPMorgan Chase including the XXXX Certification, XXXX XXXX and Occupancy Certification form. I have not received the full extinguishment as promised by JPMorgan Chase and have been waiting for two years. 
Under the Second Lien Modification Program ( XXXX ), when a borrower 's first lien is modified under the Home Affordable Modification Program XXXX XXXX XXXX, a participating XXXX servicer, in accordance with any applicable pooling and servicing agreement or other investor servicing agreement, the XXXX servicer may elect to partially or fully extinguish a second lien. 
My first lien XXXX XXXX # XXXX ) was modified under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Effective XXXX 2013, Treasury expanded the XXXX program to include qualifying first liens that have been modified under the XXXX XXXX Modification requirements. When a borrower 's first lien is modified under the XXXX XXXX Modification requirements and the first lien satisfies the XXXX eligibility criteria. 
Moreover, I was further told by JPMorgan Chase that through the extinguishment program, they would report to the major credit bureaus that the my second lien mortgage would show " paid and closed '' and reflect a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: My credit file was compromised in the XXXX Equifax breach. I have been unable to freeze the file online and Equifax has not responded to my mailed in request for a freeze. I want to be sure that the report is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is reporting INACCURATE information. Experian is reporting that XXXX XXXX was opened in XXXX 2011. The payment history is saying this account was in collection as of XXXX 2011. It stating I have " failed to pay '' prior to the account being opened. I have disputed on numerous occasion. It also shows the last status update is XXXX 2011. I have submitted paperwork to Experian showing the correct date the account was opened.

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently found 6 accounts has been listed wrongfully by XXXX, TRANSUNION and XXXX I have filed FTC report # XXXX and also i reported to local Authorities XXXX # XXXX accounts has been listed below as : ( ( 1- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 3 ) ) - Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 4 ) ) -  Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 5 ) ) - Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 6 ) ) - Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : 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 non-monetary relief
Consumer complaint received 08/27/2016 about Mortgage (Other mortgage) with EQUIFAX, INC. (TX).
Issue: Settlement process and costs

Complaint: Equifax told me I have a mortgage, considering the fact that I am currently homeless and on unemployment through the state of Texas would you be so kind as to give me the address to my house so I can XXXX out of the people who have stolen my identity please and move in to my XXXX house that apparently they qualified for with out my permission

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In the year 2009 my business income volume decreased almost 75 % I was diagnosed with a XXXX due to all the financial difficulties, at the same time my husband fell ill and had to go under XXXX XXXX and we had to live on credit cards to be able to make ends meet. My credit got overextended and we where not able to afford the terms on the credit cards and also it caused to default on the mortgage monthly payment. We requested a short sale and placed our property on the market for almost 6 months and have shown the property numerous times with no luck. Because my income has dropped considerably I can no longer afford the terms of the original loan and as a loyal customer I 'd like to ask for an affordable loan modification to real market value and a lower interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Mortgage (Other mortgage) with CHURCHILL MORTGAGE CORP (FL).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/XXXX or XX/XX/2016 we contacted Churchill Mortgage ( recommended by XXXX XXXX ) and asked about a refi of our house while rates were down. We explained upfront that we had a prior Ch. XXXX Bankruptcy that was over 2 years discharged and included a property that was surrendered and foreclosed. They said that was not an issue and that they could handle the loan. We proceeded to spend 2.5 months trying to get a rate lock and confirmation from them ; I have attached SOME of the very many, many emails. First they tried to force us to sign an application ( filled out by them ) that had incorrect information including my incorrect name, job, loans- I refused to sign a false document even though they pressed me to and said it did n't matter. Finally they agreed to let me fix the errors. Then they repeatedly asked for documents which we sent multiple times via multiple avenues ( email ; fax ) ; they kept losing them, kept requesting them ; finally they said they could get them in-house ; then they said they could not. We were told so many times that they had everything only to come back needing some document we had already sent. They dragged this on for so long that rates have gone up and now they simply wo n't communicate with us at all. We want a refund of the approximately XXXX $ they charged us for a credit check and they should, in our opinion, pay us some kind of damages for leading us down a path when we now can not get the 3.65 % ( approx ) rate that they said we would get when this started! What kind of damages is that if they wo n't close the loan at the original rate told to us?? Furthermore, they do n't even know the XXXX loan laws! They have known for months that the ( old ) property at issue was part of a BK surrender/foreclosure- but they ca n't seem to read BK documents, Orders, discharges, and deeds to see what happened and are NOW, 2.5 months LATER telling us it appears we have to wait 7 years post foreclosure? No, that is not the law! These people are incredibly disorganized, poor communicators, if not outright fraudsters. We have lost months of finding a lower rate loan due to their continued promises that all was well. Now they have simply shut down communicating. We want this closed at the original rate told! Please see attached emails which are a small portion of many.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I changed insurance companies and sent in the reimbursed amounts from the previous company to Seterus so that the escrows would not be extremely short. Needless to say that amount sat in suspense for three months or more until after I had called XXXX 5 times to get it straightened out. then seterus took the whole amount of the billable insurance on my policy and added it to XXXX of my loans. Any XXXX in their right mind would know that XXXX house does n't have insurance in the amount of {$4300.00}. The mortgage on that property went up XXXX $ and we had to pay it from reporting late on our credit. that took 3 months to fix. now I have paid a principle payment on my mortgage followed the directions on how to do it and still another blunder. they just took my mortgage payment out of it. If I had not checked my checking account and asked why my mortgage had not been drafted I would n't have know ... the only attention to detail they have is what is my phone number and have I moved. I totally hate this servicer. they are awful ...

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with International Computer Systems, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a collection notice from First Collection Services ( " FCS '' ) on an old XXXX Internet/Phone bundle account that was discontinued XXXX, 2015. 

I sent my XXXX 's final bill to FCS as proof to show that there is no balance due on that account and that no money is owed. 

FCS however disregarded the furnished evidence of absolute facts, but rather chose to validate the charge on outdated information obtained from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my home off on XXXX/XXXX/15 which is 8 months ago. I have sold my house and can not get a release of lien. I am supossed close on Monday XX/XX/XXXX. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Billing disputes

Complaint: I once had a credit card with Fifth Third bank, which was closed bank in XX/XX/XXXX. In XX/XX/XXXX a charge that was stored on an online account automatically tried charging the card for the renewed subscription. Instead of Fifth Third bank declining the transaction they reopened my closed credit card without my permission. Finally, after three months of not contacting me via phone, email, or mail, I received a letter in the mail saying I owed the charge of {$77.00} ( for the service ) and an extra {$100.00} for late fees. After countless hours on the phone with them, they acknowledged my credit card was closed and they reopened it. I offered to pay the initial {$77.00} fee if they would waive the late fee for not informing me, or without reopening it without my permission. They said they would look into the dispute into a better solution. After about another month they sent back a letter saying the dispute was denied and I owed the entire fee. When I called back to ask how it could have been denied, since they reopened a closed account, they said the 120 day period has passed and there is nothing they could do about it. I have since discarded the credit card because I had no use for it after I had closed the account in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent a XXXX letter to Experian asking that reach out to who is reporting this information and provide me proof of verification that this account belongs to me which. All they responded with was account verified and I know by law they have to send me something in writing that proves it is me. So they updated my report with false information.

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 11/28/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo sent a letter advising of a systems change that was taking place and around XX/XX/XXXX XX/XX/XXXX of the month and that my normal payment would be taken from by checking account and it did, however they also took a second mortgage payment on XXXX/XXXX/16. This is causing significant issues with my checking account. I have called twice. The first time I called on XX/XX/2016 I was advised that they were aware of the issue and I would have my funds returned to my checking account within XXXX business days. I called today XX/XX/2028 since I still do not have the funds in my checking account and was advised that the funds were sent back on XX/XX/2016. I called my bank XXXX and they do not have any pending credits for my checking account. I feel this is not good banking business, who through doing this over a holiday week was a good idea? I have not been able to pick up a XXXX gift because I do not have the money and now it will cost a lot more to get. I want compensation of some sort as this is now affecting my ability to pay my monthly bills and issuing credit for fees will not be the answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
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 filed a dispute to have negative items removed that are wrong. I have documents that prove that the results and response of the company just bounce around the fact they have not done a thorough investigation. The basic results were stated, " They are right and you are wrong ''. There was no specific explanation of the investigation. O n   XXXX   XXXX  2017  the d ispute was initiated an d on   XXXX   XXXX  2017  th e investigation was completed with very little to say and no documented proof was provided. The incorrect account that has been reported has caused daily stress as it has caused me and my husband to apply for multiple loans while being turned down. This made it hard to get a reliable vehicle for work and transport our children. In addition, it will hinder us from being able to buy a home. Lastly, the accounts in question have already been removed from my husbands account and the accounts are joint accounts.

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries that I did not give consent to run my credit. Please remove this from my Credit Report. I have no knowledge of these inquiries, these are inquiries I have no account of. I did not give any permission to run my Credit. Equifax is stating that " inquires are factual record of file '' without properly investigating. How are these FACTUAL RECORD OF FILE when I have contacted most of the creditors listed and they have explained that they have no account nor knowledge of me doing business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: After moving out of a property, there was some minor debt left do to utility bills which had not yet come in. A week after I moved out I check with my former Landlord and found that the total remaining balance was XXXX which I paid using my credit card through their website ( XXXX2017 ). A week after that I received a letter from IQ Data claiming that I owed XXXX and in needed to be paid within a week or I would be placed in collection. I contacted my previously landlord and told them that I received this letter and asked them what was going on. They indicated it was a mistake and that my balanced had indeed paid in full. I was told that they would take care of it. About 2 weeks later, I received a phone call from 1 IQ Data saying that I owned XXXX and I better pay it or else there would be consequences to myself and my wife on our credit report. I told them I didnt own the money and they should check back with their client, but I was told that Lots of people tell us they dont own the money and that I better pay up. After a long conversation where they on multiple occasions refused to check back with their client and said it I didnt own the money it was my responsibility to prove it. I was eventually told that if I dont send them a letter with proof that I paid the debt, then they would report it on my credit report and that of my wife. During this call they also insulted me, insulted my intelligence, claimed I was a liar and disavowed any responsibility for validating the debt. 
I contacted the original landlord who confirmed there was no debt and told me they would take care of it. The land lord also sent me a copy of my ledger showing that I had a 0 balance.

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