milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: i was concerned for my taxes this year on my home i called ditech financial whom is my mortgage lender and they had told me that it would be over XXXX dollars for my mortgage if i was to add my taxes so i said no thanks i would pay them out of pocket and now i was to find out that ditech paid my taxes even though i gave them no written or verbal consent to do so,, when i called to ask why my mortgage had exploded to over XXXX dollars this month they told me that they had paid my house taxes for the city of XXXX, ,but i had already paid them out of my pocket for the year which was XXXX dollars,, now im begin told that XXXX had called ditech to get my taxes paid but when i called fannie mae they said they have no record of that nor would they do that because it would be illegal to do so,, so ditech lied to me about my house taxes and why they paid them after i had already paid them out of pocket and lied and used fannie mae as an excuse. my husband and i are on a fixed income him being a veteran from XXXX in XXXX and im a XXXX that just recently had XXXX,, they did this without my consent and now im told ill have to pay XXXX dollars to close the escrow account and get my mortgage back to the XXXX it was every month, my husband and i cant live like this we never asked them to pay our taxes and we can not afford the balloon payments they are asking now and we had a fixed rate before, they did this to a XXXX couple on fixed incomes and our family has owned this home for over three generations over 79 years we have always paid our bills on time and owe no one anything we dont even use credit cards because we are afraid of going over our limits .not to mention that since we had our ditech loan we have only been paying XXXX a month which they divide into XXXX for the principle and XXXX for the finance charges every month,, its not only the worst mortgage we could have ever had but we, my husband and i never asked for it we were sold to ditech from another mortgage company and did not want ditech to ever be involved with our mortgages because of their shady practices in the past. basically my husband and i were pushed into this without us ever being asked, and the worst is they have made changes to our mortgage without ever calling us or sending written consent to do do. my husband and i need help,, we are in XXXX maryand

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Mortgage (FHA mortgage) with RP FUNDING INCORPORATED (FL).
Issue: Credit decision / Underwriting

Complaint: I was going thought one broker ( XXXX ) then they said there was an indemnification issue and they needed to change to a new lender ) Mean While XXXX at RP funding talked to me be said the indemnification is not an issue he was also aware I was 90 past due over a year ago ( just shy of 30 now ) he offered me a great rate XXXX plus they were paying the closing cost.. Once the underwriter got the file the exact issue I told him about I was denied for after weeks of asking what 's wrong with no clear answer. Once they cam back to me they started to tell me all sorts of things like I was 5 months past due and it was a conventional not FHA loan neither which were not true. I feel that this was a stall Method in order not to have to give me the rate they offered.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: There was a collection placed on my credit report by a company called Diversified collections without notifying me of a potential debt. I did n't even get any letter in the mail and they admit it they do n't have any of my correct contact information. Also the orignal debt was for a XXXX service that was suppose to be canceled back in XXXX XXXX and XXXX kept billing me until XXXX XXXX after we had canceled the XXXX service due to our office building be closed down and being converted over to condos. All the tenants in the building were forced to move out XX/XX/XXXX and att tried to say we had service until XXXX XXXX and yet they have notes of us calling in to cancel the service and transfer it over to our new address. Diversified consultants broke the law by not notifying me of this debt or validating it at all. Please have them remove it. The XXXX dispute tracking number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have repeatedly been denied access by all XXXX major credit bureaus for my free annual report ... I submitted ALL of the asked for documents to receive my credit reports from all XXXX agencies : XXXX Experian XXXX XXXX XXXX ... .I have not received a response at this time, or a report XXXX XXXX XXXX XXXX I received a response from Experian stating that they REFUSE to send me my credit report, after they received a copy of my Driver License, a copy of my Social Security card, a copy of my mailing address on a cable bill, and years worth of address history, date of birth, full name. By law they MUST give me a copy of my credit report. Please Intervene. Also, I received on XXXX XXXX, 2014 dated an " incorrect reporting '' copy of a credit report, not my actual positive file, XXXX, and the report stated a FRAUD ALERT on my file ... which was never put there by me. Please assist. Thank You.

Company public response: Company chooses not to provide a public response
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 Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These inquiries below are not authorized by me.

XXXX XXXX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 10-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Capitol One sold my account to XXXX XXXX XXXX, XXXX. I was not aware of my rights at the time when I first contacted Capitol One in regards to this debt. I now know that my rights are being violated under the Fair Credit Reporting Act. The collection agency that brought my account do not have an address for me to submit any information to in fact only their name appears on my credit report preventing me from defending myself.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have never lived at this address. 

I would like for it to be removed from my credit bureau on Equifax and any other credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was alerted on XX/XX/XXXX that Convergent Outsourcing is reporting a debt from XX/XX/2017 according to their reporting for a {$420.00} debt to XXXX. I do not owe any debt and demand that this be taken off my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I contacted XXXX XXXX and asked them to verify the debt as well as XXXX contacting them on my behalf since XXXX XXXX and they have not responded nor verified the debt. I have another case pending in XXXX County, Georgia unrelated and saw on their clerks website that XXXX is trying to sue me but I have not been notified or served anything regarding this debt. This company refuses to verify I owe this debt and the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a complete modification packet to Seterus Mortgage in XXXX XXXX ; along with document regarding insurance claim regarding damage to the my home after hurricane XXXX. I told that Seterus could get those documents and I was given a wrong number by them to contact but I found the documents and submitted those at the first of the year. I was told that the documents would be reviewed and I would have a decision within 45 days. I called to get the status of the modification the first part of XXXX and was informed that no one had reviewed the documents and I would have to re submit the documents. Now I am being faced with a foreclosure date of XXXX XXXX, XXXX. I resubmitted the documents and am being told different things by different service representative. For example I did not have copies of stubs because my payroll is direct deposited ; I was told to mark on my bank statements all payroll deposits which I did. The next rep advise to to a letter stating that my payroll is direct deposited. I submitted income statements and that was rejected asking to explain real estate expenditures with specifically stating what exactly what they wanted : I had XXXX, XXXX and XXXX in expenses : I sending back exactly hoping that is what they are looking for ; but time is of the essence. My copy will be sending me the copies had I know the bank statements were not sufficient I would have worked on that. I was leaving out of town for job training and was away from documents. I was sent a letter dated XXXX/XXXX/XXXX requesting that I send in another packet and it had to received by XXXX/XXXX/XXXX and I received it XXXX/XXXX/XXXX after work! I am gainfully employed and would like to remain in my home ; I had hope to have this resolved by the first of the year. I feel as if I being told things that are erroneous ; and as stated earlier ; time is of the essence. It is my desire to work with Seterus but I would like a person assigned to work with me to assure that this time my documents are not neglected and expeidited since they admit that I should have been contacted regarding my original modification submission. I faxed XXXX pages and I have a confirm receipt that the documents were received. Additionally, I would like the foreclosure date set back to sanely accomplish getting them the documents requested ; I have to take off work every time at the last minute to accommodate them. I am working XXXX jobs to get my finances back in order ; in what has been a rough and rocky road ; that began with XXXX guys in a stolen car ; totalling my parked car. I had only dropped the full coverage 6 months earlier because it was paid for. I would appreciate help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I went to obtain a XXXX day extension of my initial fraud alert today. Both XXXX and XXXX whatever made it impossible ( no actual persons to speak to ) to choose that option, as it was never presented. Time is of the essence, and there is no way to speak to any person at any of these XXXX in order to timely make that request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (I do not know) with National Judgment Recovery Center, L.P. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: A Debt Collector called 'National Judgement Recovery Center , L.P ' has levied several of my accounts including my children 's checking and savings. However the XXXX XXXX for a debt is not mine, it belongs to another person with a similar name ( except that I am a XXXX. ). The XXXX XXXX was rendered in county where I currently reside in XXXX, and I was not a resident of this county until XXXX, and did not have any financial dealings in this county prior to moving here. This has caused me great distress, as I am not able to pay my bills or go to my doctors appointments.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Equifax on XXXX XXXX, 2016 and XXXX XXXX, 2016 asking them to remove this unknown account from my credit file that do not belong to me. To date, Equifax has not remove this account or provided me more information about this account. I am in need of your assistance of getting this account remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX put collection on my credit for a XXXX 's account. I had insurance with XXXX 's. I lost my job and filed a claim with the insurance. The insurance paid it. I sent for validation from XXXX and they just keep ignoring me and not sending anything, yet they continue t report this error on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit card () with JPMORGAN CHASE & CO. (ID).
Issue: Closing/Cancelling account

Complaint: I had a charged off credit card from Chase. They sent me a XXXX, that I added to my 2012 tax return. Chase continues to show that I owe that money, even though, I claimed it as income. This is effecting me, in getting a VA loan, because they are scared Chase can put a lien on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Disputed fraudulent accounts with Experian through their web site. Experian states they investigated and " verified '' the information and refused to delete the fraudulent accounts. For the account listed as XXXX XXXX I received a letter from XXXX stating they investigated, found in my favor, and told Experian to delete, which they have not done. The account listed as XXXX XXXX, Experian supposedly investigated shows 30 days late in XXXX XXXX, but then 60 days late in XXXX of XXXX which is obviously impossible. It also includes numerous reports of " No Data ''. The account listed as XXXX XXXX XXXX XXXX which Experian supposedly investigated show fake {$1.00} payments in XXXX, XXXX, XXXX of XXXX while the listed balance remains the same - which is obviously impossible and also does not match the date of last activity on the account. It also contains numerous listings of " No Data. '' I do n't believe Experian investigated these fraudulent accounts as they stated or how can they still have all of these inaccuracies? Experian is required to report accurate and complete information which they have failed to do, I demand these XXXX fraudulent accounts be deleted.

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 09/29/2017 about Debt collection (Credit card debt) with Continental Finance Company, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I had taken a credit card from Continental Finance worth about {$300.00} back in 2013. Once i read the fine print about the credit card, i called in to close it and pay off the balance of {$250.00} the rep told me " No '' and that he could not do that. Later the card went into collection and now here it is 4 years later and a law firm called me threaten to sue me for over {$4000.00} for this card that was worth {$300.00}. they called my job and told me they sent correspondence to an address i no longer live! they told me they were go to subpoena me and take me to court to garnish my wages. they called my job. i have no idea how they got this number but this should be against the law to take advantage of a person. Not only that, they have this on my credit report twice as if i had two cards with them and i never did. its fraud in my eyes and i want both of them removed

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Other financial service (Debt settlement) with WESTERN UNION COMPANY, THE (TN).
Issue: Fraud or scam

Complaint: i hired Pay map company to collect my mortgage and give to XXXX XXXX XXXX. We agreed that it would be twice a month but they took 4 times a month for more than two years which made me over draft along this period and i paid fees and i had family problem as well they promised me to shortened the period of mortgage term but they deceived me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXXIs reporting XXXX account I have dispute these accounts to the Experian asking them to validate the debt do to the fact that I have dont remember going to the hospital at anytime. I want Experian to tell me who they spoke to at XXXXso I can follow up with them because I dont believe the debt to be mine and I want all XXXX XXXX account deleted from my Experian credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Checking or savings account (Savings account) with BANK OF THE OZARKS (AR).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I was involved in an online relationship with a XXXX XXXX. It was my understanding that a person was going to deposit money into my account on behalf of XXXX XXXX and I was to withdraw that money and send them to bill collectors as directed by XXXX XXXX. On XX/XX/XXXX {$9900.00} was deposited into my savings account at Bank of the Ozarks. On XX/XX/XXXX I went to the Bank of the Ozarks branch and withdrew {$2800.00} and {$7000.00} and sent the money to the places indicated by XXXX XXXX. On XX/XX/XXXX I made another withdrawal for {$120.00} and also sent that money to the places indicated by XXXX XXXX. I have records of each place the money was sent. 

On XX/XX/XXXX I received a call from the bank branch manager, XXXX XXXX. She asked me to come to the bank as we had a problem. When I got to the bank she informed me that the check for {$9900.00} was charged back to the bank. I inquired as to why the funds were released to me, the bank should have some sort of safe guard in place for things such as this. XXXX XXXX stated that the bank does but she was n't sure why the hold was n't placed on my account and that the teller that gave the money to me had been reprimanded. XXXX XXXX called me a thief and threatened to have me arrested and thrown in jail. She tried to force me to sign an agreement to repay the money. I refused, left her bank branch and contacted a lawyer. The bank as since turned me over to a collections agency. 

I was advised by my lawyer to file this complaint as the bank is at fault for not having safe guards in place to avoid things like this from happening. I also filed a police report with the XXXX Police department Incident # XXXX. 

I did not profit/benefit from this, I now know that I am a victim of a scam artist. 

Any assistance with this matter is greatly appreciated. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Prepaid card (Payroll card) with U.S. BANCORP (KS).
Issue: Unauthorized transactions/trans. issues

Complaint: I transferred money from my card to a bank account. The same night i was charged again. I spoke to customer service three times and was told to wait 24 hours. Which i did. I was then hung up on when i called again and asked for the eztra charge to be reversed and my money put back on my card.

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