milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2016 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Received a loan I didn't apply for

Complaint: See below : I would like to register a formal compliant with your organization for allowing my personal and financial information to be used by an unauthorized person. While you all approved an application in the amount of {$750.00} in XXXX XXXX, 2015, as told to me by XXXX of your associates in the fraud department, out of sheer luck the account was never funded. Having already disputed the original inquiry on my credit bureau file, only to have XXXX tell me you all have to remove the inquiry because you all claim it is legitimate. Now I find out that you want me to fill out an FTC form, file a police report and then possibly you might correct this huge mistake. So not only was I a victim of fraud, you all victimize me again, because you provide more protection to the criminal then you did to me ... your response to me for not releasing the information on the application that was submitted was for the privacy of the individual who submitted the application ( the criminal using my personal information ) on XXXX XXXX. Which again you approved then did n't fund because you found some irregularities ... even with all of that you did n't feel the need to notify me of this fraud. I find it unbelievable that as a victim of fraud with your organization that you would continue to perpetuate this fraud by not bringing this to my attention and then not bringing in Law enforcement after you all recognized the fraud and yet you continue to protect this criminal even after I brought this information up again when you already knew it existed. I wonder if your goal here is to allow this type of behavior to continue as long as no one says anything. 

XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MT).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax has admitted my information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My Ditech payment has always been {$1500.00} each month. My interest rate adjusted and my payment increased to {$1700.00} starting XX/XX/XXXX. When I made my XX/XX/XXXX payment, it was in the amount of {$1500.00} instead of the new amount of {$1700.00}. As a result, when my XX/XX/XXXX statement arrived it stated that I had not made a payment and therefore was late 30 days. My XX/XX/XXXX statement from Ditech shows that I made a payment in the amount of {$1500.00} on XX/XX/XXXX ; however they stated that because it was short {$130.00} they would not apply it to anything and held it in a suspense account. 

I feel that as a consumer, it was not my intention to defraud or intentionally not make my payment to Ditech, I was just not aware of the payment amount increase. On XX/XX/XXXX I paid the difference and the XX/XX/XXXX payment in full. YET, Ditech proceeded to report me to the three credit bureaus that I was 30 days late. This implies that I did n't make any payment to Ditech ; which is not true. I made a payment in good faith not knowing it was the wrong amount. Had I overpaid they would have been happy to take my money, but making a payment just short of the new amount due is not me intending to not pay Ditech my debt obligation. This is unfair and deceptive ; a clear example of these financial institutions taking advantage of the little guys! I have written to the credit bureaus and Ditech ; yet they are holding their ground and are adamant on not removing the 30 day late reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (Conventional fixed mortgage) with Real Time Resolutions, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Real Time solutions continues to report a balance owed to them at XXXX, and XXXX XXXX based upon a 2nd mortgage that was foreclosed on back in 2006. According the Fair Credit Reporting Act, a creditor is only allowed to report inaccurate information on one 's credit report for a period of seven years. However, Real Time Solutions has purposely changed the dates of activity on this account to continue to report it. This is a direct violation of my rights, as outlined in the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My house is under contract to be sold. I requested a payoff statement from Seterus Inc back on XXXX XXXX. As of XXXX XXXX that payoff statement has not been provided because they had a " system upgrade '' back in XXXX and are months behind. According to the CFPB website, lenders are supposed to provide a payoff within 7 days. Please help me meet my contractual obligation by assisting me in getting a payoff statement. 
I was also made aware that this lender is supposed to provide a statement showing my payment and how it 's being applied. It 's been YEARS since I received a statement from Seterus.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing the loan or lease

Complaint: While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry conducted by BANK OF AMERICA on XXXX/XXXX/2016. I did not authorize any employee of BOA to review my report for any purpose at any time. Further I personally contacted BOA and requested to be provided any signed written document on my part authorizing them to review my report within 5 business days and they have failed to do so in clear violation of my civil rights under FCRA and PRIVACT RIGHTS. As a direct result I have continued to suffer irreparable economic loss, including but not limited to inability to secure meaningful employment, housing and/or obtain new credit, due in large part to the gross negligence of the BOA staff.

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 12-12-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: {$13000.00} was charged to XXXX account in XXXX XXXX Since this date Wells Fargo has been unable to furnish any backup documents to support this charge. At XXXX/XXXX/XXXX, with compound monthly interest at 10.75 %, the total amount charged to XXXX account from XXXX thru XXXX is {$93000.00} which is greater than the foreclosure amount.. 
XXXX has sent dozens of qualified RESPA requests only to receive the same reply for each. " WE have received your inquiry and as soon as our research is complete you will be advised. '' This is not believable and is criminal fraud. For 13 years Wells Fargo has been sending this same reply. Recently Wells Fargo advised this charge resulted from a Loan Modification dated in XXXX XXXX. This is criminal fraud because the {$13000.00} was charged to XXXX account 20 months before XXXX XXXX. 
XXXX Loan Number with Wells Fargo is XXXX. 
XXXX Desired Resolution. 
Place Criminal Charges against Wells Fargo for {$93000.00} for attempted Larceny Force immediate return of the XXXX. 
Please advise what additional data you will need in order to enforce these charges against Well Fargo Thank you very much XXXX XXXX XXXX Phone XXXX. 
This is the Third Request sent to CFPB. I have received one reply. Advising it will take 10 months to research this problem. This is not believable because they have been researching for the the last 13 years. 









.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to work with my new mortgage company but they have been nothing but helpful since taking over my loan from XXXX. I need help as my home is going into default and I can not maintain payments. Please have someone assist me with a solution. I am open to a loan mod as or deed in lieu. I need a single point of contact, someone who is willing to keep open lines of communication.

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 09/18/2017 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Trouble during payment process

Complaint: I have been victimized by the XXXX real estate crisis. Was given bad information pertaining to a re-fi loan application back in XXXX. Had perfect credit score until that point when I was instructed by advisors to miss at least 6 mortgage payments to become eligible. While following their directions my mortgage company began the foreclosure process. I had to scramble to maintain my home. Had to pay {$15000.00} to reestablish a 40 year mortgage at 7.75 % interest rate to keep from losing my home. Since XXXX, my guaranteed mortgage was converted into a none guaranteed mortgage causing me a problem getting any refinance consideration due to the fact it was now a none guaranteed mortgage. This process whereby my mortgage is bought and sold has occurred no less than a half dozen times. Most recently is occurring right now as my mortgage is being sold to XXXX XXXX XXXX effective next month. 
I want to be able to refinance my mortgage at a reasonable rate but because the status of my mortgage has changed I am ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was bought out while I was in a mortgage reduction I obtained after filing chapter XXXX bankruptcy, We were with XXXX XXXX XXXX at that time. Our mortgage has been sold or transferred 4 times. Ditech mortgage obtained us at the end of the bankruptcy and mortgage reduction. We have paid out payments on time ever since we got the reduction. Well our bankruptcy discharged XXXX/XXXX/15 and they have not released us. I can not view or get any information from them concerning payment history, payoff, general info. I have spoke with them on numerous occasions, twice a week for a year, they have not taken any action. When I call, I am on hold over an hour just to speak to anyone. They told me the audit was complete and they were waiting for a super to sign off the last 6 times I called. I ask to speak with a supervisor, none could speak to me. I have wrote emails also, no action. I am now refinancing with XXXX, all is approved, but we need payoff letter, no response to XXXX or myself for 2 weeks, and I 'm about to lose my rate. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Dear Attorney General, US Department of Justice, and Department of Education Just so you know what XXXX XXXX is doing to my account. 

I made a payment online on XX/XX/ in the amount of {$190.00} it was processed by chase on XX/XX/. 

On XX/XX/ fedloan placed my account in forbearance without my authorization stating the Department of Education notified them that I was in a disaster zone. I said which disaster and the rep said she didn't know. I do not live in a disaster zone. 

I told her to take me out of forbearance. I called back, to confirm it was done, then the automated service said I was 9 days late.. The payment once again I made was cleared by chase on XX/XX/XXXX. The forbearance letter is also dated the XX/XX/XXXXthe same day my payment was made. 

I was forced to make an additional payment of another {$190.00} in panic tonight XX/XX/ as the automated service said I was 9 days late even though the payment on my account said paid.. 
Now I have given XXXX XXXX {$400.00} this month and next month they increased my loan payment to {$190.00} what's going on????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ATG Credit, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A telephone call came in from a collection agency stating I owed {$400.00} for a magazine subscription. I asked what magazine company is it and why have I not been receiving monthly bill if thiswas the case. They would not answer my questions and raised their voice at me. Since then I have received mail/bill from them. 
They said that the credit companies would be notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Problems caused by my funds being low

Complaint: My complain is with citi bank, my account went overdraft on XX/XX/2017 for the amount of {$120.00}. XXXX transactions was present that day. XXXX for {$220.00} and the XXXX for {$370.00}. I rush and did a deposit for {$900.00} which bring my account to a positive balance of {$770.00}. ( I have the record ) by XX/XX/2017 my account still with the same balance {$770.00}, no changed on the account, until the next day the XXXX, I checked my account and I was charged for an overdraft fee of {$34.00} and the transaction for {$370.00} check was return on the XXXX. My concern is, if I have sufficient fund to cover my transaction, meaning my deposit was made on the XXXX ( cash deposit ) why my transaction was not cover. I understand they might charged the {$34.00} fee because at the moment when the check went thru it was not enough funds, nevertheless, it was not the case : the fund was more than enough went the check was returned which it was on the XXXX. Please I would like to get attention on this matter is not the first time similar situation like this happen. I also file an internal complain with the company. Reference no. 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 monetary relief
Consumer complaint received 03/26/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WV).
Issue: Loan servicing, payments, escrow account

Complaint: I have had numerous problems with Green Tree Servicing. I ALWAYS pay my regular payment plus an additional {$50.00} each month for the principal. In many cases, the principal is not posted to my account. For my last payment, this company only said I paid {$110.00} when in fact I paid $ XXXX.Also, my principal payment was not credited. I have been given NOTHING but the runaround from this company!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/24/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: on XXXX XXXX, 2017, Phoenix Financial put 3 Fraud Medical collections on all 3 credit bureaus. We notified Phoenix Financial by phone call that these were not my debts, but were Identity Theft. I never had any knowledge of the bills, nor was I at the medical facilities they claim these were from. 

They agreed that these were due to Identity Theft and would remove from all 3 credit bureaus. However, they continued to leave on there. 

I filed a XXXX XXXX Police Report detailing the Identity Theft and the Fraud specifically from them and the account numbers. 

They still have not removed the Fraud that is not mine from collections under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Transaction issue

Complaint: My XXXX year old mother wanted to purchase a chair lift. We found out that XXXX XXXX XXXX had one in stock. When we went to get the item we were told that the item is NOT covered by medicare. However, after contacting medicare we were told that it IS covered by medicare and that the item should be returned and that XXXX should directly bill medicare. When I notified the credit card company of this situation, they called XXXX and were told that they would not agree to the return. This is medicare guidelines, it is not up to the provider of services. They have added interest month after month and late fees. They call numerous times during the day and this is very upsetting to my mother. Please help me resolve this issue so that she may have piece of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XX/XX/XXXX Bank of America reported my account to XXXX without giving me a chance to pay the fee {$49.00}. I called several times to resolve this issue and they kept transferring me to different departments. They listed my account as suspected fraud activity. I deposited checks to the account but the checks were returned because I didnt have enough money in the other account.

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 10/14/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NV).
Issue: Settlement process and costs

Complaint: I have been trying to get a loan payoff on my loan for almost a month now. I was told again that I would have it by today, Friday XXXX/XXXX/2016. I understand that I have not made payments however I am trying to settle the account on the sale of the home.

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 10-10-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: I wrote a check on the wrong Chase account which caused my account to be overdrawn. Chase reordered the transactions so that the largest item was paid first so that I had to pay XXXX overdraft fees rather than just XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Over 10 years ago Providian National Bank charged off a debt. Its so old that its no longer showing on my credit report and they are out of business ( see document attached ) so there is no way of verifying original creditor or amount. XXXX XXXX XXXX is trying to attempt to collect that debt. This is a third party debt collector. The debt and the statute of limitations has expired on the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Good Morning, For the past month I have been working solely with Equifax to try and rectify an issue with my credit report being frozen, locked, or blocked. I am in the preliminary steps of of purchasing a home and I have been held up for months now because my lender is unable to access my Equifax report. She is able to access XXXX and XXXX but continues to state that Equifax is locked or frozen. Equifax has been extremely unresponsive and unprofessional with this matter. I have spent myriad hours on the phone with them to no avail. 

I ask that you please contact Equifax and remove ALL freezes/ locks/ blocks on my account and please notify me when you have completed this. I am glad that this resource is available because it has been extremely frustrating trying to resolve this with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have notified Equifax and XXXX that the XXXX XXXX account was open as a result of identity theft. I have provided them with a FTC report and this account is still showing on my credit file. Can you assist me in getting this matter resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Other debt) with ERC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a copy of a XXXX phone bill in the mail via XXXX XXXX XXXX which stated that I owe an alleged debt in the amount of {$630.00}. ERC stated that the phone bill was a " validation of debt '' letter mailed to me in response to a dispute that I initiated with credit bureaus. A copy of a bill is a not validation of debt, under the FCRA I have the right request a contract from the original creditor that states I owe ERC this alleged debt. 

Account number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation