milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a complaint with DITECH, which on my credit report lists itself as XXXX different entities which are : DITECH FINANCIAL LLC, DITECH FIN, and DITECH. 
DITECH has made inquiries to all three credit bureaus : XXXX, XXXX, and XXXX in the last quarter. They are indeed my mortgage company. In XXXX 2016, when I made my mortgage payment, they applied the wrong amount, thinking that my check read {$1000.00} less than what it was. I have proof and the cancelled check that they made an error ( which they admitted to ) ; they sent me to DITECH Collection Agency, which I have never been to a collection agency in my entire life, which informed me that they realized their error and would fix it. However, they never did. In XX/XX/XXXX, they told me that I was late on my payment, XXXX weeks after they received the payment and the check was cashed. In XX/XX/XXXX, they did the very same thing. I called them each and every time, spoke to various people in their collection agency, who promised me that they would send me a letter of apology and certainly never report any of this to the credit bureaus as this was their error. I never received the letter, and just knew they would not keep their word, which they did n't. They have made XXXX inquiries under the names listed above, which has resulted in my credit score going down. I am also a victim of identity theft, which also brought my credit score down, but I am sure that you know, as I do, that when a mortgage company sates that you are late with a payment, your score goes down even more drastically. I need them to stop making inquiries to the credit bureaus, as every time they do it lowers my credit score. I would like a letter verifying that they have retracted the false information. Once again I will reiterate that all of my payments have not only been on time, but they have been early.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Recieved a called stating I have been sued by GE money bank for XXXX. On a debt that was opened in XXXX of XXXX and charged off in XXXX XXXX. All this infor was given to me by the caller. I was advised that they would garnish my wages and take any property that i may have

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 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX 2016, i saw on my experian credit report thatbi had a debt collection debt on my credit report, which i had no knowledge of, the company convergent Outsourcing put a debt on my credit report. Which is not mines, The company violated the law for not allowing me to dispute the debt, nor send me any kind of verfication within the five days of initial contact. I contactedbthe company back in XXXX 2016 and told them it was a fraud accout. Once i contact the company, i told the company i wanted to dispute it. I was told a fraud packet would be sent to me, but i never received it. The company didnt verify the debt was mines, they just did slander to my credit. Which put a parked debt on my credit report. The company put XXXX collection account both in XXXX 2016. The company Convergent Outsourcing has ruined my credit. I dont not know anything about this debt nor applied for anything. The convergent outsourcing has been involve in deceptive acts. Convergent Outsourcing also violated my rights as a consumer, there are certain steps a debt collector suppose to do before negatively impacting a person credit report. So i am asking Convergent Outsourcing to remove themselves from my XXXX Crefit report, which they reported twice, not one, but twice, which negatively impacted my credit. So i decided to file a compliant. Because i can sue the company for impacting my credit report and for the damages they have done. I told the rep that i have no knowkedge of this debt, but i never recieved what they told me they was going to send me, this company is a scam company and does not agree to what they say,

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: After changing my direct deposit I tried to do a mobile deposit, I was unable to I called the customer service and was advice that it was because of the type of account that I had and that I could change the account to activate the mobile deposit so I did. The closest branch from me is 10 miles Away I would not be able to get to the branch to deposit my payroll checks causing the account to go overdraft. 
Finally I was able to deposit the check and now they are putting a 14 day hold on the check. 
I deposited the check on Friday XXXX called on Saturday XXXX and was told that they would clear the check on Monday because I deposit the check after XXXX, Monday morning the check was still not cleared so I called and was told that the check would clear on Tuesday because Saturday and Sunday was not a business day. I waited on Tuesday the check was still not cleared so I called again and was told that it had a hold and would not clear until the XXXX I explained that I had no money available to me and that this was XXXX payroll and would not get paid again until the XXXX the banker told me to call on Wednesday and she would release the hold. Today I called spoke to the branch manager XXXX who now told me that he could not take to hold off I have no money XXXX is coming and I dont even have money to buy food to eat for the next 2 weeks until I get paid again let alone get gift for the kids I dont know how this can be legal

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with VW Credit (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had sent the check as a payment before XX/XX/2017 ( the due date ) But the  payment came back to me. I was never late on payments

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit card () with SYNCHRONY FINANCIAL (KS).
Issue: Other

Complaint: I had a JCPenny credit card administered by Synchrony Bank. I paid my first purchase in full on XX/XX/XXXX, a few days before the due date. I used my bank 's online payment service. The transaction was successful. About 2 weeks later, I received a robocall asking me to identify myself. The recording did not identify the caller in any way, it simply asked me to hit 1 if I was myself and 2 if I was someone else. I believe that the caller should identify themselves, so I did not answer. I did speak to a representative. She also would not fully identify the company. She kept saying " Synchrony Bank '' and that she was trying to collect a debt and was I myself. But she would not tell me who I supposedly owed money to, until I finally identified myself. Then she finally told me who I really was dealing with - my JCPenny account. She said I was past 30 days overdue. I told her, no, I had paid that in full. I told her to cancel the account. I do n't care to do business with a lender that disguises their identity and harasses me with intimidation tactics such as robocalls demanding my identity and lying about the circumstances. The bill was due XXXX XXXX, and they claimed I was 30 days past due on XXXX XXXX. There is no way that is possible. After some investigation, I discovered that I had the wrong account number in my payment information. This was my error. However, Synchrony accepted the payment against an account that I had closed long ago. If they had not accepted it, I would have been able to correct the error immediately. They also made no civil attempt to communicate with me. The call arrived before my next statement, so there was no written communication indicating that there was a problem with the account. The call itself was inappropriate - the lender/collector is supposed to identify themselves. They should not be able to lie about the debt itself, which they did in claiming it was more than 30 days overdue. Synchrony is pretty sure that they 'll remove the {$25.00} late fee from my cancelled account, but equally sure that I will be charged the interest for the payment that I made on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I own a home that is in foreclosure and wells Fargo holds the note.The bank agreed to a short sale postponing a bank sale date.My real estate agent contacted the bank ( wells Fargo ) with a contract to sell the home ( wells Fargo ) never responded and now there is another sale date set how can this be when all along they have agreed to a sale and without notice they have changed course and left us with a unproductive result and a sign contract for purchase they were agreeing to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I took out federal student loans such as direct unsubsized, direct sub stafford loan, federal plus loan, direct unsubsized consolation loan to attend the XXXX online. I also cosigned a direct parent plus loan for my daughter to attend the art institute and institute of audio research. I consolidated the loans with the intention, of attaining lower affordable payments. My loan is with Fedloan Services with the U.S. Department of Education. Fedloan informed I am only eligible for the income-contingent repayment with monthly payments of {$1700.00} per month. I explained to them the payments are too high and my husband was not working at the time. When I asked them to recalculate my monthly payments they reduced to only {$700.00} which is my whole paycheck. I explained to them that I have other bills to pay. Again I tried to negotiate a lower payment, but the servicer wo n't negotiate. I have been paying what I can, but I still can not reduce any of the principal on the loan due to the interest compiling everyday. Currently, I am in forbearance because the payment amount is unbearable. I appreciate you assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo bank is XXXX around with my mortage and they are forcing insurance on me for my home i live which i dont need, I already have insurance through state farm insurance and i am not happy with wells fargo at all trying to focr insurance on me and trying to charge me for it. Not happy at all. Something needs to be done and wells fargo needs to be dealt with. Its like the government trying to XXXX XXXX on me which i dont need. Please fix this XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (WI).
Issue: Managing the loan or lease

Complaint: I am 3/4 of a month behind and GM Financial is calling me about 4 times a day ... all different times. I have the info stored on my phone. They are calling me while I 'm at work and can not answer. They are blowing up my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: FedLoan is not changing my repayment option from Standard to REPAYE. I am unable to afford the monthly Standard loan. This is causing me to be deliquent on my loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: My wife and I use USAA as our finachial institution for direct deposit, payment of bills and auto/rental insurance. The main frustrating issue I have with USAA is getting charged non-sufficient fund fees. I feel that NSF fees are thefts being made to consumers who are forced to use banks for making payments. It is unfair, it is unethical, it is wrong for USAA to steal from me ( and people like me ) and yet at the same time have a net worth of over XXXX XXXX dollars. I recently received three NSF fees : XXXX XXXX, 2017 CHK # XXXX {$29.00} XXXX XXXX, 2017 NSF FEE - ITEM RETURNED ACH - XXXX XXXX {$29.00} XXXX XXXX, 2017 NSF FEE - ITEM RETURNED ACH - XXXX {$29.00} I called USAA in regard to this matter and I was told that my account can no longer receive any NSF fee reversal due to NSF fee reversals in the past. I can not afford to have USAA steal {$87.00} from me in addition to the three company 's that I have revived fees from also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Bank account or service (Other bank product/service) with ASSOCIATED BANK, NATIONAL ASSOCIATION (WI).
Issue: Making/receiving payments, sending money

Complaint: External Bank Transfer of funds from Associated Bank to XXXX. On XXXX XXXX, I scheduled to have {$530.00} transferred from Associated Bank to XXXX. The transfer was selected to go through on XXXX XXXX. I have transferred money a few times and never had issues receiving the funds on the day of transfer. I checked XXXX on the XXXX and saw no deposit. I checked Associated and the funds were pulled out of my account on XXXX XXXX. I waited until the XXXX and still saw nothing. I called XXXX and was told there was no funds being deposited into my account. I then called Associated who told me that the funds had been pulled, and were processing at the Federal Reserve and I wo n't be receiving them until XXXX XXXX or XXXX. I asked for the Federal Reserve number, and was told they do n't have one. I requested to cancel the transfer and was told I could not. I do n't know where my money is. This has never happened in the past, and I know the information Associated provided was a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: Because of the Equifax hack, I attempted to contact Equifax to inquire about freezing my account. Multiple telephone calls ( at various times of the day ), left me on hold for over 20 minutes or more. On one call I waited over 40 minutes and no one answered my call. I emailed Equifax on XX/XX/XXXX to find out if my account was frozen or how to freeze it. I also inquired ( XX/XX/XXXX ), regarding an error code when I attempted to complete the process to get their credit monitoring started. 
At this point I do not know if the credit monitoring offered by Equifax is active. When I tried to freeze my credit report with XXXX and XXXX I learned I would have to pay a fee. I 'm on social security and do n't have funds to purchase this type of service and do n't agree with the fact that I have to pay for an Equifax issue. 
I guess at this point I 'm at the mercy of Equifax as to how to protect my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: According to my credit reports dated XXXX/XXXX/XXXX. XXXX XXXX XXXX has an account listed with all three credit bureaus with incomplete and or inaccurate information. They are all listing incomplete account number, all three have different account status listed. One shows with XXXX closed/current/paid last updated XXXX/XXXX/XXXX, another with XXXX closed/derogatory/placed for collection updated XXXX/XXXX/XXXX, and the other Transunion closed/delinquint updated XXXX/XXXX/XXXX. I have disputed this account and it does not show my dispute on the credit reports. Two have the same phonenumber and address for the company listed the other one shows a totally different address and contact number. My disputes came back as verified. How can they come back verified if they are all showing different statuses. 
Thank You for Your Time

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 07/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I used to be a subscriber with XXXX in the past. I have since cancelled my subscription with them in 2012. my agreement with them did not include payment of termination fees. They put the sum of {$280.00} XXXX amount owed to them in my credit report. They have been recycling this in my credit report for some time now. They once took it out and re-reported it again. This is fraudulent and I want it removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (ME).
Issue: Loan servicing, payments, escrow account

Complaint: I had filed chapter XXXX bankruptcy in 2008. It was disharged in XXXX of 2008. In the bankruptcy we had initially reaffirmed a home equity loan that we had with. JP Morgan Chase. Our attorney recommended that we do not reaffirm the loan. We had origially reaffirmed on XXXX/XXXX/2008. My attorney then sent a a letter to Chase recinding the reaffirmation on XXXX/XXXX/2008. This is well within the 60 period to recind reaffirmation and well before the bankruptcy discharge date of XXXX/XXXX/2008. At this point it has been over 7 years since the bankruptcy filing and Chase should discontinue reporting the account to the credit reporting agencies and have the account deleted from the credit reports. This needs to be done to be in compliance with FCRA. Please contact me if you need any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit card or prepaid card (General-purpose prepaid card) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: XX/XX/XXXX a purchase was made with my prepaid card for XXXX for a XXXX XXXX reservation. I never stayed there nor did i make the purchase. I contacted navy federal on the XX/XX/XXXXwhen i discovered the charge and was given a credit temporarily. They then took the credit back and told me to contact the merchant for a refund and they refused to refund me and told me to contact my financial institution to be refunded. I shouldnt be charged for a purchase i did not make.

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GOLDMAN SACHS BANK USA (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I HAVE SIX INQUIRYS ON MY CREDIT REPORT THAT AN UNKNOWN COMPANY DENIED APPLICATION ON ME I DID NOT SUBMIT I HAVE NOT ASK FOR ANY CREDIT IN TEN YEARS I DON'T NEED ANYMORE CREDIT I HAVE PUT A FREEZE ON MY CREDIT REPORTS ; BUT I KEEP GETTING COMPANIES LYING AND USING MY EXCELLENT CREDIT IDENTITY WITHOUT MY AUTHORIZE CONSENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2015 about Debt collection (Federal student loan) with IMMEDIATE RECOVERY GROUP, INC (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After successfully completing my adult education and securing a career that allows a salary to begin paying back my school loan debt to the Dept. of Education, I shared a long call with the collection client handling my account with the Dept. of Edu., named Immediate Credit Recovery , Inc. During the call, I was able to secure a monthly payment plan of {$500.00} on the correct amount of debt owed of {$57000.00}. 
On both the government letterhead and the collection company 's letterhead, this is the correct amount shown as due and to be collected. All seemed great, now. I had talked with them, worked out and began paying on the re-payment plan, and was so happy to have the better career and paying back what was borrowed. 
Then, in XX/XX/XXXX, the collection agency sends a new letterhead with an unexplained new amount due, {$68000.00}. No explanations, just quietly changed the amount due to a nearly {$14000.00} extra profit on their part. I called and talked with a person with the collection complaint department for my state, and he carefully explained that unethical collectors will, sometimes, change the amount due. The idea is that since the agreement has been made, most people just stay locked into making their payments and forget about the loan. I saw a XXXX XXXX episode, where he said the same thing. He implored people to save every piece of writing from collection companies and compare for changes. He and the person from the state were right. I was happy n content that I had an agreement and was making payments as planned. But, luckily, I looked at the statement, and without notification or explanation, they added {$16000.00} +/-. 
I have all documentation from the Dept. of Education to show the correct amount due, and from the collection agency, that showed the correct amount then the increased amount, too. All on letterhead from the company. 
I was so proud to have been successfully paying on a target debt amount and watching it go down. Now, such devious behavior that was mentioned on XXXX XXXX show and by the state dept. of consumer affairs has happened to me. I 'm proud to have used my school loans to better my career and to have begun faithfully paying it back. But, such changing of numbers has hurt my encouragement. Just like the XXXX unethical changing of numbers and overcharging, Immediate Credit Recovery has had many complaints filed with other states and agencies, as I learned from talking with them. Please help.

Company response to consumer: Untimely response