milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We have XXXX mortgage loans with Ditech. We are having problems with our payments being applied to the correct accounts. Because they took payments and applied them to XXXX account and not the account we specified, it caused us to receive a foreclosure notice for XXXX of our loans. All along we were in contact with Ditech agents and they informed us that this account was up to date several times and that we did not owe any payments, yet. We then paid an amount specified by the agent that would bring our account up to date and then we would only owe for our next payment. Today we received a letter saying what we paid was only a partial payment and that we still owe {$700.00} plus dollars to bring out account current. The agent that we spoke to said that we did not owe anything else until our next payment. In addition, our other loan payments are also questionable because we are unsure if they were properly applied to the correct accounts. 
The second problem is that Ditech refuses to speak to my husband about our mortgage accounts even after I have written letters giving him permission and had directly spoken to several agents giving my verbal permission, to discuss the loans on my behalf. My husband is a financial provider and his name is on the deed, just not on the mortgages. The mortgages are in my name only. I do n't understand why this is a problem. 
We would like these problems resolved. We do not want Ditech to attempt to take our properties because they can not keep their records straight. From this point on we are writing all names of agents, dates of payments, and keeping check of our bank records to ensure that our payments are properly credited. At this point we do not trust Ditech. 
I have attached a copy of the mortgage that had payments misapplied and the foreclosure notices that we received at our home. The statement shows that the account was current. We received XXXX of the foreclosure notices, XXXX regular mail and XXXX return receipt. They also sent XXXX to the property address, which is a rental property. All of our bills come to our billing address so I do n't know why they would send them there. That is not where we live or receive mail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My ex-husband XXXX XXXX on XX/XX/XXXX. At the time of his XXXX he had a home equity line of credit open with US Bank. My name was on the account, even though at the time of our divorce in XXXX, XXXX, he had agreed to assume responsibility for the loan. When I discovered that he still had a large balance owing ( over {$10000.00} ) at the time of his death, and that my credit score was beginning to fall, I paid the loan off until the estate settled, in order to save my credit. 

I followed this action up with a letter to US Bank requesting that my credit score be repaired, and stated that I was not legally responsible for the loan per our divorce paperwork. They refunded me the entirety of the loan, and promised IN WRITING that they would remove my name from any association with the HELOC. 

Not only has this not happened, they have now reported the debt as charge-off ( bad debt ) ... which is exactly the opposite of what happened. They ADMITTED THEIR MISTAKE AND REFUNDED ME THE MONEY ... but are calling the account a bad debt. And now, my credit has continued to plummet. 

I have made numerous phone calls both to US Bank and to XXXX to try to get this resolved and nothing has been done. XXXX sent me a very detailed report that said basically nothing -- no information whatsoever on what their conversation with US Bank was. 
I greatly need 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 non-monetary relief
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX a payment was made for {$2000.00} dollars instead of the {$200.00} dollars I intended. I have called this company time and time again. I spoke with XXXX employee ID XXXX and was assured my refund would be processed. Its been a month and my refund has not been processed. Instead my limit was lowered.

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX reports to Experian and the date of last payment ( according to XXXX ) is XXXX 2010.  Because it has been 7 years, these accounts should not be reproted to the bureaus. They also should not show on my report. Lastly, i have disputed these accounts becuase all of my student loans are public loans through the governmetn and have been being paid on time consistently. These XXXX accounts need to be removed! XXXX and XXXX has removed them as they saw the age of alleged accounts yet Experian still reports them. This negatively has impacted me when purchasing my home and car, and my auto insurance as well as my Federal Government Security clearance.

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 02/21/2017 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I have an equity line with PNC. They acquired my loan when they purchased RBC Bank. I have always had trouble paying my equity line. They only allow me to make future payments. They do not allow me to pay my principal in any way that I have found thus far. I called them directly on several occassions and they have no intention of resolving the issue. I was told I have an " old '' loan and therefore have no options for paying the principal except mailing a check with some letter of explanation as to my desire to pay the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CARRINGTON MORTGAGE SERVICES, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage reported us late paying our mortgage in XX/XX/2015 and it was never late. By showing us as late has us " negative '' standing on all three of our credit reports! Somehow our taxes from 2015 were escrowed and added to our Mortgage and we were not aware of it and called many times asking why our payment was higher and finally got an answer about a month later but our regular payment for XXXX was paid to them on Time!! They held our payment until they received the correct amount that they say was owed due to the taxes being added without our knowledge!! This is not our fault and our taxes were never to be paid and escrowed, and this has n't ever happened in the 11 years we have had Carrington!! If you look at my credit report it will speak for itself! You will see we have never in life been late paying a mortgage and that has been almost 30 years as a homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Debt collection (I do not know) with Mid-Atlantic Consumer Services (NH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Continue to get repeated automated calls from a local number of XXXX and leaving a message to call XXXX I 'm getting these calls at work, on my cell phone and my daughters cell phone. Person never leaves their name and/or company name. They state that if i do n't call them back they will contact my HR dept and once that has happened the process can not be reversed. Now getting what appears to be another message on my cell and work number stating they are going to prosecute me to the fullest of my states laws. Law states they have 5 day to send me a letter of intent to collect on a debt with a company name, phone number, and a valid address. I have not received any of this. After googling the phone number they requested i call back, I 'm finding many complaints by others. Several people reporting the company name of XXXX. XXXX the name and could n't fine anything on the company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive hourly calls from an unknown number, however, once a day this call includes a voicemail from XXXX XXXX for XXXX. I am well-aware that I owe a debt to XXXX in the form of overdue credit card payments. Looking back on my device, since XX/XX/XXXX I have received seventy-five ( 75 ) calls from XXXX XXXX attempting to collect my debt. This is without going further back on my actual phone bill.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: TransUnion is refusing to block fraudulent information on my credit report. I spoke with a representative by the name of XXXX in the Special Handling Department on XXXX/XXXX/2015 and was told that TransUnion had not received my police report and that was why XXXX fraudulent account continued to report in error on my credit report. She indicated that the other fraudulent accounts were blocked because XXXX had received my police report and shared the information to block the items. She indicated that I could send her a copy of the report via fax and she would promptly block it in accordance with Section 605B of the Fair Credit Reporting Act. She also indicated that it was already being investigated, but she would block it with police report. 

I called in today to learn that it would not be blocked and that it is being investigated and that she did receive the police report detailing the fraudulent account, but since it is already being investigated it is nothing she can do. I also sent in a copy of my drivers license with my new address on it and I am being told that she did not receive it with the police report. I have verification that all pages of the fax went through successfully.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I received a letter from XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX indicating that I was required to reapply for Income-Based Repayment. The letter stated " We must receive your application by XXXX/XXXX/XXXX. If we do not receive your application within 10 days of this date, payment will increase.... '' The letter does not specify whether the 10-day period includes weekends. 

I resubmitted my application for Income-Based Repayment on XXXX XXXX, XXXX, within 10 days of XXXX/XXXX/XXXX ( including a weekend period ). However, XXXX informed me by phone on XXXX/XXXX/XXXX that it would not honor the terms of its prior letter and was increasing my payment for XXXX XXXX. The company explained that it had received my application and recalculated my payments but that it would not apply the income-based repayment amount to the month of XXXX. It further informed me that the only method of relief from the substantially higher XXXX payment was to apply for a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Managing the loan or lease

Complaint: I have had my account for sometime with Conn 's and have never been late except for the XXXX time the insurance paid late while I was off on XXXX. I paid extra for the replacement insurance on the computer we purchased. We brought the computer in to the Conn 's XXXX where we purchased it in XXXX because the lid hinge was not closing correctly and the battery would not stay charged at all it had to be plugged in all the time. My son is home schooled and that is the computer he used every day for his on line school and it worked fine. They had me sign a paper stating that if the hard drive had to be worked on he would loose all his information. I wrote on the paper that there is nothing wrong with the functioning of the computer just the battery and hinge. Well guess what they called us XXXX months later to let us know that the hard drive was bad and that they gave us credit at the store to get another computer. Surprise!!! Surprise!!! like we did n't see that coming. so we go to the store and spent XXXX hours there waiting for them to find a computer in that price range ... ..surprise # XXXX they do n't have XXXX and will not be getting any in that price range, but they can sure help us out by increasing our credit and letting us purchase a more expensive computer ... ..like we did n't see this coming either. We paid almost XXXX for replacement insurance but yet the computer to this day has not been replaced. We continued to make our payments on time for XXXX months with no computer. I had made XXXX trips to the XXXX store but no replacement unless I want to pay another down payment and increase my amount paid per month. This is not good business and I refuse to pay any longer on this account since Conn 's is not making good on the replacement. This is just a scam to get me to spend more money and have larger payments and I can not afford to do that, nor is that the RIGHT thing to do. Conn 's collected almost XXXX for replacement insurance plus over XXXX for the computer that we now do not have and they are still calling me asking me to pay the remainder of XXXX off for the finance charges. I am not doing business with this Scam of a company anymore. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Debt collection (Medical debt) with R.M. Galicia, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: this account does not belong to me, i have never been at this hospital, this company has harm my credit report, and score for false information about me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other service issues

Complaint: I did an online money transfer to Western Union in the amount of {$500.00} ; which was paid through my bank and funded onXXXX/XXXX/15. One day after, I called just to make sure that they receive he money I wired and I was told that I can go ahead and tell the receiver in the XXXX that the money can be picked already. My aunt who is senior citizen had been back and forth to the pick up location in XXXX and was told that the money is " held " by the sender. I had made XXXX other calls to Western Union and each time they told me to be rest assured that the money can be picked up already. I called again today and low and behold I was told that it 's till in progress! This is ridiculous and very dishonest not counting the hassle it caused to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My XXXX XXXX and XXXX XXXX XXXX XXXX credit card is lost/stolen. The fraudulent charges/transactions dont belong to me. The balance on these 2 accounts dont belong to me, because both of my credit card accounts with XXXX and XXXX XXXX is lost/stolen.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CMRE Financial Services, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow   XXXX   XXXX   compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive several phone calls daily without actual voicemails left, just automated menu recording thinking I picked up the phone when my voicemail message comes on. I try to call the number back and it does n't work. Then I finally find your website where I think I can pay online but it wo n't let me apparently its not compatible with my browser. Then when I actually do get in touch with an actual human being to make the payment on the debt I owe, the customer service representative attempts to transfer me to the XXXX department and there is no one in the office because apparently people have left early for the day. I get it that XXXX is close to XXXX but do n't say you are open until XXXX when you are not. Dealing with credit and debt affects our lives and our future and I do n't really think its acceptable to leave early for the day or to make it impossible to make payments online! I was never given a registration code or log in information that would enable to pay online. Its so obvious that making it difficult for people to pay leads to late fines which equals more money for you. I think it it is absurd to have a computer calling me XXXX XXXX times a day and when I try to pay my debt, the people who are supposed to be there to help me with that decide to leave early for the day or the weekend, unless they were purposely ignoring their phones.You would think you want me to pay my debt successfully when in reality it is starting to look like the longer it takes me to pay my debt the better it is for you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I moved out XXXX, located at XXXX on XX/XX/XXXX. I was subsequently notified of resulting move out charges in the amount of {$1000.00} via mail on or about XX/XX/XXXX at my new address in XXXX ( See annex A ). I was not notified of these charges at anytime prior to this date either orally or in writing. The notice stated I had 30 days from the move out date to remit payment which I did on XX/XX/XXXX ( see Annex B ) However, XXXX XXXX had already referred my account to a debt collection agency, Hunter Warfield prior to the XX/XX/XXXX deadline ( see Annex C ). The amount paid was in the value of {$1000.00} as a {$64.00} is currently in dispute with XXXX XXXX XXXX.I currently in discussions with XXXX XXXX XXXX in regards to the remaining {$64.00} but the company has yet to return my calls. I have notified both companies in writing of my payment of this debt and my intend to fill a complaint.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an XXXX credit card. I set up auto pay before going to boot camp in 2013. Somehow XXXX didnt receive the payment the second month. And it was reported to credit bureaus. XXXX couldnt say why it wasnt processed. They let credit bureaus know all my payment status is current and they are not reporting any late payment. XXXX and XXXX are still showing that month as late on payment. XXXX has taken it off from my credit report. I was told by the credit bureaus that info is correct about me being late but XXXX keeps teeling me that there is no late payment that they are reporting. I have done the dispute twice with these credit bureaus. Im looking to buy to a house after I get back from this XXXX in couple months and would like this to be resolved. 
Thank you for your 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 04/18/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Contacted Collection Agency Was Told To File Complaint With Credit Reporting Agency. Filed Complaint.Was told It was Mine No documentation Contacted XXXX XXXX Wanted Me to furnish State ID and SS Card This is fraud Did Not feel comfortable Sending Personal Information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Incorrect information on my report, information belongs to someone else. 

XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX opened 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 non-monetary relief