milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My servicer Ditech Mortgage put an impound account for property taxes on XX/XX/2016. I was behind in my taxes and i know that this is my responsibility. I made the XX/XX/XXXX payment as per my statement of {$1600.00} and added {$100.00} for the escrow account. XX/XX/2016 I leased a vehicle and discovered that there was a ( 30 ) day late payment on my credit report. I called Ditech and they insisted that the new payment of {$2300.00} was instituted with the XX/XX/XXXX payment, therefore creating a late payment, even though I paid the payment due for {$1600.00} as per the statement. I send letters to them the first time and they insisted that I was wrong. I tried a second time on XXXX to resolve this issue. I was told to make the payment for the XX/XX/XXXX due date, and add the {$690.00} that was not paid in XX/XX/XXXX and they would process the paper work to remove the late payment. I sent a check for {$3000.00} that cleared by bank on XXXX XXXX. When I went to make my payment for XX/XX/XXXX I discovered that Ditech put all of the {$3000.00} towards the escrow account and nothing for the principle and interest payment thus creating another late payment due for XXXX XXXX payment. DiTech has kept the XX/XX/XXXX payment in suspense and has not applied the payment to principle and interest. I find this to be deceitful and possibly illegal. The issues are the XX/XX/XXXX payment that is being held in suspense and the XXXX XXXX payment that was applied in full to the escrow account. I am attaching my communications with them and my cancelled checks and the communications that i have had with them. All payments from XX/XX/XXXX thru the XX/XX/XXXX payments were made on time before the XXXX of each month. not to mention that Ditech has been sending duplicate invoices monthly with conflicting information : I am attaching the XXXX invoices for the XX/XX/XXXX payment dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Note : Even though all of the statements show past due, all payments were made before the XXXX of each month Written responses from Ditech indicated that I would be assigned a representative, However when you call them, you can not get to talk to the person assigned and have to talk to a different person each time. It is important to note that Ditech admits that they had a computer glitch and that was the reason for the mandatory escrow account did not show sooner. Copies of this communication attached including the escrow account history shoiwng the XX/XX/XXXX payment credited to the escrow account and not the principle and interest. Your help with this matter is appreciated. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Payday loan debt) with Bliksum, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: i had a pay day loan with a company called loan me. the interest rate was 200 % because of my poor credit rating. i borrowed {$2500.00}. i had paid over {$3000.00} back on the loan then was not working for a period of time and the loan went to a collection agency. i got repeated phone calls from the agency ( XXXX XXXX XXXX ) stating that if i did not contact them that they would notify law enforcement. they also contacted my wife, sisters in laws, brother in laws, parents and even friends of friends. i finally called them back and told them to remove all phone numbers and stop contacting everyone except myself however even after that phone call they still continued to call. when i called them back to complain they again stated that if i did not come up with a way to pay back the debt they would persue legal action against me. i told them i could not pay back the full amount in a one lump sum of over {$8000.00}. I said i could do bi monthly payments in which i am paying now at {$500.00} every two weeks. however i only agreed to pay because of the threats for legal action. they also told that to all the friends of mine they called that if I didnt contact them then legal action would be taking. i feel this is a violation of my rights and feel they were in the wrong for contacting people other than myself the only person on the original loan. i feel i should not have to pay any of the remaining debt due to the harassment

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servcing has reported negative payment history to all three major credit reporting agencies and it has affected me in getting a current loan. I have contacted Ocwen to correct this over 15 times by email, fax, telephone, my current mortgage lender has faxed them with proof of payment. I have attached my credit reports and proof of payment to Ocwen and they have not corrected the information and therefore, I may not be able to close on my current home and will be homeless. This information is wrong which they reported XX/XX/2016 the same day I paid the loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our Citi mortgage with another lender in 2009. Citi failed to file a lien satisfaction / cancellation of debt for the loan that was paid off through the refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Debt collection (Other debt) with Credit Protection Association, L.P. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX is violating my rights under the FCRA by falsely/inaccurately reporting the First Date of Delinquency, failing to open an investigation when a dispute was failed, failure to respond for PROOF of FIRST DELINQUENCY. 

CPA has reported a First Date of Delinquency to XXXX and XXXX CRA 's as XX/XX/XXXX and NONE to XXXX. They report a DATE OPENED of XX/XX/XXXX - 7 days following their " reported '' FIRST DATE OF DELINQUENCY. 

The ACTUAL 1st DATE OF DELINQUENCY is XX/XX/XXXX and supporting documentation has been provided to ALL CRA 's and CPA yet all they do - IN LESS than 24 hours of filing dispute with CRA is VERIFY what they reported is ACCURATE. It is IMPOSSIBLE for an account to be 1st DATE OF DELINQUENCY and 7 days later be in collection this alone should warrant a REAL INVESTIGATION as I have established the account as being past due since XX/XX/XXXX. 

XX/XX/XXXX - Returned Payment to XXXX XXXX ( Original Creditor ) XX/XX/XXXX - LATE NOTICE / PAST DUE NOTICE from XXXX XXXX The latest dispute placed XX/XX/XXXX at XXXX - SUPPLIED with SUPPORTING DOCUMENTATION The latest VERIFIED from CPA to CRA XXXX XX/XX/XXXX - XXXX FCRA states when the account is assigned to a COLLECTION AGENCY ( CPA ) it is a continuation of the ORIGINAL DEBT - XXXX XXXX XXXX 

Companies - Credit Protections Assoc ( CPA ) CRA 's : XXXX - XXXX, XXXX - 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 explanation
Consumer complaint received 01/26/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently in review for a modification with my lender, Wells Fargo but they refuse to remove the sale date of my home scheduled for XXXX/XXXX/17. They have told me they are transferring my loan to a new servicer and it will take a few weeks until the new servicer has my mortgage and modification review and by then I 'll have lost my home. They should n't have a sale date while I 'm in review for a mod, and they should n't transfer my loan with a sale date pending.

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 10/26/2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am addressing a Public Record Information on my credit profiles that I feel is inaccurate in its filing. I did not follow through with completion of any action with the Federal Court. It is my understanding that " Dismissed '' means that it is adjudicated by the law. My case concerned 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. As an American consumer I have the right to know WHO and HOW someone is verifying information that is holding my identity and credit under " HOSTAGE '' for 10 years. As a Federal Government entity, the Bankruptcy Court has confirmed that they did not verify or report to any agencies. 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 09/13/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (DE).
Issue: Account opening, closing, or management

Complaint: I was a long time customer of Wachovia and in 2015 a Wells Fargo CSR tricked me out of my seniority checking account With all it 's benefits and switched me and my husband to a Wells Fargo checking account. I lost all my privileges that l Had with my Wachovia account. It happened in XXXX, Pennsylvania branch. I was not happy and closed my the Account and opened a new account at 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 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX/XXXX/XXXX I attempted to pay my credit card from Citi Bank. I noticed that I had a high balance and I never use the card on top of having a late fee for XXXX of XXXX even though I paid XXXX on that month they still gave me a late fee. So I called to try to cancel doing business with this vicious bank. They refused to waive fee and did not explain why I got a XXXX} balance despite paying high amounts every month and not using the card at all there is no way my bill can be that high. They also solicited my business by offering me a low interest credit card when I got card it came with a hefty interest rate of ( 23.99 % ) OUCH!!!! are we in America?? 

I requested to close my account and it was a very hard process. I was lied to by the rep at Citi Bank I was told when I made that XXXX payment that if I call in XXXX they will waive any late fee since I am paying a big chunk of bill and on top of that it only a few days. The reason was I was a victum of the Hurricane attempting to help family and friends this was the only reason I was late. Citi Bank and it 's employees did not care. I therefore want to close my account and have a full audit of my account they refuse so I hereby request the assistance of CFPB. 

Outrageous conduct by Citibank it 's called calculated legal theft of monies of millions of poor people.

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX years Customer service would not help and take care of the negative inquiries on my credit report. After being on the phone for an hour and forty XXXX min and getting transferred to every possible department they have they did NOTHING for me, Incredible! no one knew who could help with the matter. When I 'm finally speaking to someone that may be able to help she puts me on hold and then hangs up on 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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Over the past 4 months I have made several disputes with XXXX XXXX/XXXX/Experian regarding an fraudulent account being reported on my Credit reports. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for {$19000.00} .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from XXXX proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: In XX/XX/2017 I made a purchase under {$35.00} at my local XXXX. I use my XXXX XXXX XXXX card. I travel for work any only have my mobile phone. I did not return home until XXXX. First, I thought I paid the card in full. Second, my 840+ FICO took a dive. I immediately pulled a credit report and found a 30 day late score on my report. I contacted AE fraud department. They put a fraud notice then transfered me to their fraud division. The man I spoke to gave me information and I told him it was my charge. He then transfered me back to customer service and I paid the bill. I have 43 years of stellar credit with accounts going back to the mid 70 's. 
This particular account was over XXXX XXXX XXXX with a large line of credit. All my credit cards are paid in full each month. Each person I spoke to were unwilling despite the issues of there phone system and the issue of using a cell to access their site. Note : because I am on XXXX XXXX XXXX monthly check the balances of each of my credit sources. 
I appealed up their chain of command. Finally I spoke to a XXXX in XXXX XXXX who sounded XXXX bias. She was extremely curt and rude. She said she would send out a letter and again I explained that I was on the road. My credit had dropped to the 760 range.

Late XXXX I was home and read the letter. I took my information and made an appointment with the local XXXX XXXX branch manager. She listened and appealed up her change of command. She also addressed the issue with XXXX XXXX. In XXXX XXXX XXXX called my for the final time. In XXXX my credit score dropped again this time down to 721. What had changed? I paid off my car 2 years early as well as XXXX complete student loan. So I called Transunion and found out that in XXXX XXXX XXXX XXXX XXXX updatef my account reflect that I had an overlimit in my history. Once again I called XXXX XXXX and spoke to an onshore representative who then reviewed the entirety of my account. They noted that note only had I never got close to approaching that ever in the decade of having the account. Also from what they could see on the there was now no indication that the account had an over limit. I have multiple credit sources all excellent. Four decades of perfect credit, house and car loans most paid in full and use credit regularly with no issues save this one. Please help me get my good name back!

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 03/16/2017 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Customer service / Customer relations

Complaint: In XXXX/XXXX/XXXX I prepaid XXXX {$380.00} using my AMEX card. After I returned the car, XXXX charged my AMEX {$500.00}. I disputed the {$500.00} with AMEX and they reversed the charge, investigated and resolved the issue. Unknown to me, AMEX then disputed the {$380.00} but this amount was never credited back to my account. In XXXX XXXX, I received a letter and email from XXXX internal collections asking for the {$380.00}. I had multiple calls to AMEX about this issue and each time I was told I did not owe XXXX and they had been paid. XXXX collections presented me with a document stating they had not received the funds which I forwarded to AMEX. I heard nothing more and assumed it was resolved. On XXXX/XXXX/XXXX I received notification in the mail that my account had been sent to and outside collection agency for the {$380.00}. I called, explained the situation and was told that if AMEX provided written documentation that XXXX had been paid, they would stop the collection proceeding. I called AMEX and was told repeatedly that XXXX had been paid but everyone from initial phone rep, to supervisor, to supervisor of supervisor, refused to send me anything to confirm what they were telling me. They opened another dispute - even through I do n't dispute the charge and promised to expedite and call me back on a certain day and they did not keep the promise. I ca n't get anyone on the phone to help me - only promises and told I have to wait for the " investigation '' even through they investigated this same amount back in XXXX. I paid AMEX for the {$380.00} charge by XXXX but either AMEX did not pay XXXX or XXXX ca n't find the payment and I am being held responsible. No one at AMEX seems to be able to contact any one at XXXX. I have stellar credit history and do n't want anything to change this since it is not my fault. I need someone to intervene in this circle of corporate indifference and horrible customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My yonger sister bad credit is on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This account has been re-aged this account was closed in 2012 I have the original last bill I have asked for this to be removed to no satisfaction this company is violating my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: around 2012 i was a victim of indentity theft, they used my id to file taxes in California and get to phones from XXXX and XXXX, I didnt know until i pulled my report recently and I filed a police report, I also contacted the IRS and the creditors XXXX and XXXX who said they no longer had those records and sold in to XXXX enhanced recovery, I called them and they are unable to validate the debt, this is hanging on my credit and its not mine, XXXX promptly removed it they are in violation of the FCRA and I have several letters sent certified and they still say validated but provide me with no proof they say they only have a name a ssn and a last amount owed and a creditor nothing else. Please help me I am trying to buy a 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 non-monetary relief
Consumer complaint received 12/13/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have disputed this with the XXXX credit bureaus. I just received one of my disputes stating this bill of {$78.00} has not been paid ... This bill has been paid on XX/XX/2013 RE : XXXX in the amount of {$78.00}. I have even overpaid by {$0.00} and is still showing up in collections on my Credit Report. I have a letter from XXXX reflecting the payment of {$78.00} on XX/XX/2013. I want this deleted on my XXXX Credit Reports, or showing this has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am opening this issue with the CFPB to ask for assistance in having a bankruptcy removed from my credit report. Please see the attached copy of my bankruptcy filing of Chapter XXXX dated XX/XX/XXXX. The bankruptcy has since been discharged and the 7 year limit on reporting has expired as of XX/XX/XXXX as evidenced by this letter, however it continues to be listed on my credit report. I have requested removal without success so I am asking for assistance from the CFPB. Please see the attached as evidence that this bankruptcy should have been removed nearly a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: According to their response on here in regards to my 1st dispute XXXX stated that they 'll remove all the inquiries. Checked my credited report today XXXX/XXXX/2016 none of the inquiries were removed. Contacted TransUnion today and was told my updated credit report was sent to me yesterday on XXXX/XXXX/2016. How did they update my credit report when all the inquiries are still on there. 
When we get a response I want a direct contact name and number because when I contacted TransUnion today they stated that no one has responded to any website in regards to these inquiries being removed.

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