milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I filed the below complaint with the CFPB on XX/XX/XXXX. My mortgage servicer, Ditech Financial LLC, responded that I will need to reaffirm my debt following discharge of a CHAPTER XXXX bankruptcy in order to rectify my credit report, which does not show any mortgage nor payments to the same, and to reinstate detailed monthly statements versus informational ones. 

Unfortunately Ditech 's response seems to have been given without reading my complaint - I can think of no other explanation for why it was so totally off base. The key point, which was somehow completely missed by the responder, is this : I FILED CHAPTER XXXX BANKRUPTCY, NOT CHAPTER XXXX. This and all other needed details are provided below in the original complaint, which I am hopeful will be rectified this time : I filed for Chapter XXXX bankruptcy approximately XXXX and the bankruptcy was successfully discharged XX/XX/XXXX. In spite of this, Ditech still has my mortgage account listed under bankruptcy status, which means my home loan, which I 've paid faithfully since filing for bankruptcy, does not even show up on my credit report. It also means that I receive only " informational '' mortgage statements every month from Ditech - these list only the monthly mortgage amount owed and do not contain other detailed information on my home loan, such as the balance, etc. 

I have tried to resolve this issue multiple times in the last few months by contacting Ditech at XXXX. Every time I call, I am routed to XXXX who acknowledges that my account needs to be " recoded '' to reflect the successful discharge of my bankruptcy more than one year ago so that my credit report can be updated and full monthly statements can be resumed. Staff then explains that only Ditech can do this recoding and " elevates '' the issue to Ditech so that they can take care of it. 

As of today, my request has been elevated to Ditech FOUR TIMES ( over the period of a few months ) and they have yet to respond and recode my account. 

I am at a loss for what else I can do at this point and I 'm hoping that Ditech will resolve the issue upon hearing from you, as my continued attempts have obviously been ineffective. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: To whom it may concern : I submitted a complaint to all three credit bureaus in regards to damages on my credit report caused by improper and negligent reporting by multiple mortgage servicers/debt collectors over the years. I received a reply only from XXXX and that reply was not satisfactory and did not completely straighten out my credit report. 

I have attached my follow up letter to TransUnion for your reference, as well as my lawyer 's XXXX Demand Letter to all mortgage servicers involved in erroneous credit reporting on my credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX has reported that my credit card is overdue and that I have missed two payments. They have sent this information and as a result my credit score has dropped significantly. I explained to XXXX that I am a member of the United States XXXX XXXX and that I was unable to make payments due to being away from home for extended amounts of time. Also I was not aware of the autopay feature when I applied for the card. I believe that XXXX took advantage of this and as a result my account went delinquent. I have never missed a previous payment and I am a loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: .I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently refinanced with my mortgage company Nationstar. During the process, I had to provide them with my current XXXX XXXX policy to be updated with the new loan number and for my escrow information. We completed the refi process and set up the escrow account. Prior to my first payment being due, I received a letter from Nationstar stating that they did n't have my Homeowners info and that they would be placing lender paid insurance on my account, causing my monthly payment to go up. I know that I provided the information or else my refi would have been approved. I refinanced another property that I have with Nationstar a few years and I ran into the same issue. One time is a mistake, 2 times is a trend of how they operate. It is my belief that they are doing this to unsuspecting homeowners and some how benefitting from the lender paid insurance. I ca n't prove this yet but its too coincidental. I tried to speak with my employees at Nationstar and they are promising to correct my situation, but I believe that it is bigger than that. I work in the mortgage industry and understand the process. If someone else did n't have that knowledge they could easily see their payments jump up and not know why or how to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Payday loan () with BlueChip Financial (CA).
Issue: Charged bank acct wrong day or amt

Complaint: As a continuance to my official Case number : XXXX filed XXXX/XXXX/15, the Spot Loan has withdrew funds from my account a day prior to my request for withdrawals on the XXXX! Now I will be charged an overdraft fee of {$35.00}. I do not have earned income! Have you reached out to Spot Loan yet?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (MA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I have not applied for a checking or savings account with this bank. Any inquiries made on my XXXX XXXX or credit file are unauthorized?

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 monetary relief
Consumer complaint received 08/17/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XXXX XXXX, XXXX, Wells Fargo Bank legitimately withdrew {$9000.00} in response to a legal order. I have been working with the jurisdiction on the amount and will be getting a partial refund when Wells Fargo gets the money to them. I called Wells Fargo today to ask when the jurisdiction will get the funds and was told that the money did not go out until yesterday - XXXX XXXX, XXXX. That means that the bank sat on money that did not belong to them for 13 days before remitting. That is unreasonable. My expectation is the funds would be pulled on XXXX and a check would have been created and sent on XXXX. The jurisdiction would have received the funds and applied to my account by XXXX - XXXX. When I called this week and reconciled the charges, I would have a check on it 's way back to me.

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I tried to contact Discover Bank directly but the number is " non-working ''. I am in the process of applying for a  Home Equity loa n. When I received the property report on  XXXX   XXXX ,  XXXX , I discovered a judgement listed against me. The information on that judgement is as follows : Number -  XXXX  Plaintiff - Discover Bank  Address  -  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , OH  XXXX  Date Recorded -  XXXX / XXXX / XXXX  Amount - {$17000.00} This judgement is against my son, who has the same name. When I went to the courthouse to resolve this issue, they instructed me that I need to contact the Attorney 's office representing the collection agency. I contact Attorney  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX ,  XXXX . on  XXXX   XXXX ,  XXXX . The attorney asked me to confirm the last  XXXX  digits of my social security number. He advised me that the social security number he had on file had different last  XXXX  digits. He confirmed that the collection was not with me. Because of this collection, I am unable to proceed with an y Home Equity loan s.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Enova International, Inc. (VA).
Issue: Charged fees or interest you didn't expect

Complaint: Outrageous interest rates where not even 10 % of the payment made is being repaid the the principal. Asked for a reduction in interest and it was denied. {$180.00} payment made {$160.00} paid toward interest {$22.00} went to the principal and the payment amount is constantly increasing on a {$1200.00} line of credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received notice from Midland demanding payment of which I do not owe. Midland is also under investigation regarding their business practices in the state of Massachusetts. They do not have a business license. They have endless lawsuits against them for their illegal actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX I send letters to XXXX, XXXX and Equifax regarding unauthorized inquiries placed on my credit report from different credit card companies. I asked them to remove them from my reports as I did n't authorized them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Payday loan, title loan, or personal loan (Installment loan) with PENTAGON FEDERAL CREDIT UNION (NY).
Issue: Charged fees or interest you didn't expect

Complaint: bank is overcharging and changing the terms of the loan without a reason. bank has extended the amount i owe without any proof of logic. bank has failed to explain how they come up with the amount differences, bank has contradicted several times and failed several times to explain the how they have reached the new amount i owe. bank has failed to honor the 48 payments term bank has a over inflated pay off amount that they can not explain the mathematical logic. bank is over charging the interest rate that wast agreed on. bank failed to communicate properly or promptly about my issues.

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 06-06-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted Wells Fargo to cancel my PMI since my loan-to-value ratio was below 80 %. I purchased my home for {$280000.00} in 2014 with an original appraisal of {$320000.00}. I currenlty owe {$250000.00}. I was advised I could not cancel my PMI until my ratio reached 75 %.

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 01-02-2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD).
Issue: Closing on a mortgage

Complaint: This company has been very deceiving. I received statements staying i was up to date with my loan for two to three month. Then i received a call stating that i have an agreement which i do not, and that i was behind. Then after the call i received a statement with a different amount. This is very confusing and deceiving and it 's damaging my credit, one month they report i am on time and not behind, then the next month they report foreclosure status all while i have been paying my monthly payments according to my statements. They need to make a forensic payments investigation with the underwriter department. In the state of MD they are required by law to send intent to foreclose and i never received such notice. I checked my credit and it was updated to foreclosure proceeding started on XX/XX/XXXX that 's how i know. They are illegally practicing collection efforts and taking advantage of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: beside them getting a judgment by default by not serving me the summons fraudulently filing proof of service to the court.i have been trying to get them to supply my with the date of my last transaction with Citibank na and my signed contract so I can take appropriate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: My name is XXXX XXXX and I have a personal line of credit with Sam 's Club. I had an available credit balance of {$1000.00}. I paid my bill and an additional {$75.00}. After I paid my bill, Sam 's Club lowered my credit balance to {$800.00} leaving me to be over my limit by {$23.00} ; which has now negatively affected my credit. I have not missed a payment and when I called to resolve the issue, they did n't bother to give me a reason. I was told that the boss did n't take calls.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Application processing delay

Complaint: I called Chase on XXXX XXXX to convert my Chase Freedom card to a Chase Freedom Unlimited. While on the phone with the Chase rep, he told me the conversion was completed. It is now more than a week later and the card still has n't been converted. I 've called twice during the week ( once on XXXX XXXX and again on XXXX XXXX ) to find out the status and both times the representatives told me the conversion should have completed but that " they are n't sure what 's taking so long. '' Chase what is happening?

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Bank account or service (Savings account) with WEBSTER BANK, NATIONAL ASSOCIATION (IN).
Issue: Account opening, closing, or management

Complaint: I have been struggling with HSABANK since XXXX 2014. Their website does n't provide accurate information about account balance, beneficiaries, and does n't allow me to transfer to my investment account to manage it. Their so-called customer service is inept. Since this is an internet bank a non-functioning website is the same as if they were closed or out of business. They do not respond to information requests.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Payday loan) with ROC Asset Solutions, LLC (ME).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I got a call from XXXX and the caller name XXXX from XXXX XXXX and XXXX XXXX XXXX. Called me and left a Voice Mail at first and saying that I 'm being sued and need to contact them right away to settle it before submitting the case. Then when I called I ask for a written validation to confirm. But they said that they already send one back in XXXX 2015, but never receive and they refused to send another letter but will email me the letter. So I told them I want a written and still refused. Now I asked for her name, the company and the address and already saw a bunch of complaints regarding to this phone number and Company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Advised all three credit bureaus on numerous time that I am a victim of identity theft and need accounts removed from my credit files and its been over a year and they are still reporting invalidly on the following accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX these accounts need to be deleted immediately.

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 08-04-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (MO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Complaint XXXX, Navient stated in their resolution that they would not contact me via auto dialer but did so again on XX/XX/XXXX at XXXX XXXX. Also request from validation was made and has not been full-filled. Company threatens via mailings to place negative reports on credit report during validation/investigation process all violations of CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: Hello, I 'm a small business owner who is a reseller of business telephone equipment and services and installation. On XXXX XXXX 2016 I sold and installed a telephone system for XXXX XXXX Attorney at Law. We had also sold her service " XXXX XXXX XXXX on a separate month to month invoice. She then opted out of the service agreement 2 days prior to port and decided to go with another vender. But was still using the equipment that was installed. Suddenly On XXXX XXXX I received a reversal payment of {$2000.00} fro my merchant provider XXXX. We do not offer a return policy for equipment after 30 days. I have proved the installation, the delivery of purchased equipment to XXXX, and I 'm limited to information that they will provided, the other BANK which I have learned is Chase is contributing to FRIENDLY FRAUD and ABUSE OF POWER. I 'm asking for a FEDERAL AGENCY to INVESTIGATE as I 'm out of the PURCHASED TELEPHONE EQUIPMENT and the LABOR of INSTALLATION and the REVERSED FEES. XXXX will not provide me information about this transaction nor will CHASE. I feel as if I 'm a victim of FRIENDLY FRAUD and ABUSE OF POWER from XXXX BANKS and an ATTORNEY XXXX XXXX Transaction ID : XXXX Authorization XXXX ID : XXXX {$2100.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I currently have Rushmore, ore Loan Servicing as the lender for my mortgage. I have receive several conflicting reports about my mortgage payments. I am currently up to date on my monthly payment s.. Payments have been sent and returned to me and additional late fee applied. This has occurred on more than XXXX occasion. Request for a loan modification application have not been sent. I have most recently received a letter with an intent to foreclose. I like to have my account current and maintain monthly payment as to such time I have paid the loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am trying to pay down my private student loans as quickly as possible. I take advantage of auto pay and set a higher amount to be deducted than what 's due each month so I can apply the extra payments toward the principal balance. However, after I set these amounts, XXXX XXXX/Navient continues to lower the monthly amount automatically deducted, without any notification. Every few months I have to call and make a request that the original amounts of my auto pay be reset. After many months of this pattern ( I have detailed notes going back to XX/XX/XXXX ), it is clear to me that Navient is reducing the auto pay amount so that less is applied toward the principal balance, therefore extending my payment length and they ultimately earn more money off of my interest rate. The differences between the set auto pay amount and what Navient actually deducts differ greatly. For example : On XX/XX/2016 I requested that my monthly auto pay amount for XXXX loan be {$500.00}. Now several months, Navient has the XX/XX/XXXX monthly auto pay set to deduct only {$380.00}, a difference of over {$100.00}. This unauthorized change to the auto pay amount elongates my loan payment period from 1 yr, 1 mths to 1 yr, 5 mths. This is happening on all XXXX of my private loans. Navient has not provided a sufficient explanation on why this amount keeps reducing. They are making it harder for me to pay off my student loans.

Company response to consumer: Closed with explanation