milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Struggling to pay mortgage

Complaint: Ive requested a deed in lieu, many times now, however I have only received the run around from Ditech Financial. As a consumer that has tried to keep open communication with the mortgage company, only to get denied responses from Ditech and never a phone call is bad enough, they instead filed a foreclosure on me instead of granting me a deed in lieu. Ditech decided to show me just how much they cared about their customers. Ditech sent a third party vendor to my home, to survey the house, who decided to trespass into my property, steel some of my belongings, vandalize the house, ripped down curtains from the window, winterized my appliances and changed my lock and left a paper. When I called Ditech and asked them what was going on, they told me I was # of days pass due and they needed to see if the home was in broom swept ready condition in order to approve me for a deed in lieu. They also told me I had water damage. Then said they were told by the vendor that the home was vacant. I told them the vendor knew the home was not vacant prior to trespassing and they ripped down my curtains to make the appearance the property was vacant. I told Ditech they knew my place was not vacant because every time I call them they ask me if the home was vacant and I gave them the same answer each time, which is no and that someone is staying there until my deed in lieu is approved. I asked them what reputable company sends a vendor out to their customers home to rip down curtains and destroy property to make thier customers home appear as if it is vacant and steel their belongings? Of course Ditech could not answer that instead they said Im sending an email to XXXX XXXX so they can take the lock lock off of your home so you can get back into your property I asked for the number to call them and was told I could not have thier number they had to call me and they will. Well my conversation with Ditech took place this morning and now it is XXXX and still no call from thier vendor XXXX XXXX. I also asked Ditech for the CEOs email and was told the relationship managers manager would call me back, also no call. Ive never experienced such defamation, fraud and deceitful business practices from any company. Please help this concerned consumer. Im sure Im not the first customer they have done this to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Credit card debt) with CL HOLDINGS LLC (NH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Tried to call to find what the debt was. I never opened a credit card and companies would not give any info other than date opened date closed and date bought. Original debtor said debt was bought jobinfo available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2016 about Mortgage (Other mortgage) with BB&T CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We have been denied the opportunity to even apply for modification programs which will allow us to retain our home. Our first modification attempt was 8 years ago when we were told that we do not qualify as our loan was current. Then we had the loan go not current at the end of a 5 year high interst interest only ballon mortgage term in the height of the mortgae crisis to qualify for moertgage modification to be told that modification was not an option only foreclosure ( at this time no one was underwriting mortgages ). Since our first attempt, BB & T has rejected all modification applications as well as modification is not applicable to us and only offered us a short sale option as they claim that the loan is investor owned. 
But the FDIC research department tell us that BB & T owned the loan not investors. BB & T claims that they NEVER owned the loan and that it was ALWAYS owned by a trust that is owned by investors. Our records show that XXXX and then BB & T owned the loan. See attached documents : - 1 ) Letter from the FDIC ressearch department about ownersip of the loan 2 ) Court filings from BB & T saying that they bought the note through the FDIC receiversip from XXXX XXXX, not that BB & T is assuming the role of servicer of the note that is owned by someone else 3 ) Letter from BB & T saying that they never ever owned the note but a group of investors via a trust. 
Our records and that of the FDIC says that BB & T owns the loan which does not disqualify us to be able to apply for all BB & T inhouse and all federal modification programs. So we want to able to apply for all BB & T inhouse and all federal modification programs and have our application fairly considerred by BB & T. We have always lived in the house and have the income to qualify for these programs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: TRANSUNION refuses to investigate without a recent letter from creditor.I have included attatched here XXXX bank 's letter of XX/XX/XXXX2016.I have also attached the most recent Transunion report ( not yet expired ) showing TRANSUNIONS erroneous reporting on XXXX Bank ACCOUNT XXXX. 
the payment history is incorrect, the letter shows the correct dofdXXXX, c/o which should be on the account reporting.Transunion must report an accurate dofd which they are not.ACCORDING TO FCRA LAW ATTATCHED TRANSUNION VIOLATES. 
THEY REFUSE TO INVESTIGATE, THEY MUST HAVE A DOFD, THE PAYMENT HISTORY IS MISLEADING, INCORRECT.THE AMOUNT OF LAST PAYMENT IS NOT XXXX BUT XXXX DOLLARS.

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 Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MS).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, USAA bank restricted my access to my bank accounts. The bank subsequently closed my accounts. They told me they sent a check to my address on XXXX XXXX. Over the course of the past 2 months I have spoken with the bank in 29 phone calls. When I spoke to the bank today, the representative told me the bank sent the check to the wrong address. He went on to tell me the bank could not stop payment on the check. He said I would have to wait another 90 days. At that point the bank will issue another check, and mail it to me. 

The bank has approximately {$20000.00} of my money. I need that money. They have held it from me for 2 months. Now they are planning to hold it for another 3 months. Surely, the bank has the ability to cancel the check they sent to the wrong address. They have the ability to mail, wire, or ACH the money to me. They are hiding behind policy and choosing not to return my money to me in a timely manner. Further, since the bank restricted my access to my accounts, they have not provided me monthly account statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On or around XX/XX/XXXX Navy Federal entered negative remarks on my credit report on a credit card debt they never validated coming from a legit loan. They never sent me anything proving the credit or loan came from their own capital or funds and risked something of value on their part. They seemed to either ignore or misunderstand the multiple validation letters sent to them since XXXX XXXX to present XX/XX/XXXX. As explained in my notice of dispute : THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: please help. 
They had my payment on the XXXX of XXXX2017. But still are trying to collect {$150.00}. 
XXXX is not letting the truth, they are saying i was late. 
my certified card, was signed on XXXX/XXXX/2017 by XXXX XXXX XXXX receviced on XXXX/XXXX/2017. I was not late. certified card was signed by XXXX. Maybe he holds payments on purpose, so ocwen can get extra money./ Please help 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 10/26/2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Billing disputes

Complaint: I opened a charge account at Dillards and the account is managed by Wells Fargo Bank , N.A . I paid the very first statement in full by mail. Wells Fargo Bank failed to credit the account for the first payment. The second account statement arrived in today 's mail They are charging me a late fee of {$27.00}. I phoned them today and wrote them directing them to close the account. I ca n't believe how dishonest Wells Fargo is. I would like to know how many people they did this to. I can not possibly be the first. They have undoubtedly done this to thousands of other 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 monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My Experian Credit Report shows inquiries made by XXXX XXXX XXXX, XXXX XXXX, XXXX DE XXXX on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I did not authorize any of these inquiries. I have never had any account or relationship with XXXX. 
I inquired with XXXX at XXXX XXXX XXXX XXXX and was told no records of these inquiries exist.

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 06/17/2015 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Late fee

Complaint: On XXXX XXXX I had a payment due on my Chase credit card. I went online at approximately XXXX CST to make this payment and completed the payment around XXXX that evening. After my statement was cut I noticed that I had received a late fee on my account and the payment that I processed at XXXX on XXXX did not go through until XXXX. I was unware of the cut-off policy that Chase has that payments processed after XXXX EST are processed and dated for the next business day. I then later found out that if you call customer service and process a payment over the phone they can date the payment for the same date until midnight the same day. Because of the lack of information given and available to me the customer service rep that I spoke with on XXXX stated that he would be reversing the late fee assessed to my account since I was late by & lt ; an hour and if I had know about the payment policy I could have easily avoided this situation. 

I have since messaged Chase numerous times following up on this fee reversal and they claim that they do not have a record of my call on XXXX and will not reverse the fee. I am very disappointed given the circumstances and the commitment by the customer service rep that the fee for this " late '' payment is still outstanding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2018 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tried so many times to resolve this debt with the original creditor. The problem is that XXXX was purchased by XXXX XXXX XXXX. My account originated with XXXX. According to any representatives I speak to, they supposedly can not see the previous notes on my account. I opened an account with XXXX. I am a renter of my home and the landlord signed a release giving permission for the dish to be placed on our roof. After a period of time, my landlord revoked the permissions and demanded the dish be removed. My apartment is above a business in the city and he wanted the dish removed. I immediately contact XXXX and advised the representative of this matter. He advised me he would send a box to return the equipment. He did, however, advise to either keep the dish or throw it away. That nobody would want it back. He advised of my final bill and we determined a disconnect date. I paid my final bill and the services were shut off as planned. Not long after that, I received a bill from XXXX. it is important to note that by this time XXXX was acquired by XXXX XXXX XXXX.  The bill was a fee for early termination of my account contract. I advised the representative of the reason I had to disconnect services. She advised just like the previous rep that I would NOT be penalized because of my landlord revoking permissions. She stated the bill was an error and I had a XXXX   balance owed. She stated she would correct the billing error on my account and the call ended. Months and now more than a year has gone by and, I have disputed this file with XXXX   and XXXX XXXX XXXX through their corporate offices. Originally this debt was with a different collection agency. I received a letter from that collection agency that, they would no longer be collecting this debt and, they would return it to the creditor. At one point the creditor did contact me to see if I had any other location the dish could be placed. I advised him that I lived in the city, I had only one rooftop which was shared by the business below. I advised him the landlord revoked permission to have the dish on the roof. He advised me that I would not be billed the termination fee. In addition to writing and speaking to multiple reps, I also faxed and mailed a signed letter from my Landlord advising he will not allow the dish on the property as ordinances in the city limits had changed. Due to the HUGE lottery dish that must be installed for State Lottery and Food Stamp transmissions he would NOT allow another dish. I was pleased when I received the letter from the previous collection agency as I thought finally it was resolved. Now I am finding this back on my credit bureau reports with a new collection agency. This is unacceptable. I have done everything possible to rectify this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Trouble during payment process

Complaint: In 2016 my mortgage was sold to Carrington Mortgage Services. The online interface for Carrington frequently lags behind, is regularly incorrect, and they do not provide any notifications about activity on your account. 

When I attempted to set up recurring payments online, the account told me that if I signed up it would cancel any outstanding payments. It turns out that they did not cancel my payments, and as a result I had multiple payments taken out of my account in the same month, putting me in great financial and emotional distress. To stop this from happening I put a stop payment order on the account from my home bank account. When I attempted to pay the mortgage the next month, I mistakenly left the stop payment on my checking account, causing the payments to not make it to Carrington.

Carrington has responded by banning me from making online payments for a period of time, but didn't tell me until the payment by mail was guaranteed to arrive after the 30 day period I have to make my payment. This has resulted in my credit score going down, I have to pay an extra cost each month so that I can physically mail a check, and this makes it much more difficult for me to pay my mortgages on time as I have to verify online and over the phone every month that they have received the check. 

I feel that by selling my mortgage to a company that actively makes it more difficult to pay my mortgage, I have been put at a significant disadvantage than I was at during the original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Credit Funding Management/Midland Funding is the collection company that has misrepresent the amount of a debt in violation of the Fair Debt Collection Practices Act ( FDCPA ). I reached out to Midland to settle the old debt. In XX/XX/2016 the company sent a letter that indicated that I owned an amount of {$4400.00}. I responded with several letters between XXXX and XX/XX/2016 requesting to settle the debt. The company never responded to any of the correspondences, never offered a " yes '' or " no '' to my settlement request, nor did the company validate the debt amount they were claiming. However, what Midland has done is to report different and increasing balance amounts to all three credit bureaus. 
According to my credit report records the amount they say I owed did not start increasing until I reached out to try to settle the debt. In XX/XX/2016 the company was reporting a balance on my credit bureau account of {$5700.00}. In XX/XX/2016 Midland reported to the credit bureaus an amount of {$9100.00}. Then in XXXX Midland jumped the amount to {$10000.00} to all three credit bureaus. 
I have been disputing the Midland Credit items on my report with all three the credit bureaus for about half a year now. Finally, expecting my credit reporting for Midland to read correctly, my XX/XX/2016 XXXX credit report reflected the balance of {$4400.00}. But in XXXX Midland turned around and decided to change the account balance to {$10000.00}. XXXX representatives recognize the inconsistency and problem with the balance changes on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a judgment on my credit report from XXXX. It is saying unpaid but I finished paying in full of XXXX 2015. I was told multiple times by XXXX that it would be updated but it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed for bankruptcy in 2009 and included all of my debts - which included a XXXX credit card. XXXX is now called XXXX. My credit report shows XXXX account as a charge off even though it was discharged in my bankruptcy in 2009. A representative from XXXX told me they could not talk to me in regards to this matter. I would like to resolve this matter as it is impacting my credit negatively and have this debt removed from my credit report.

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 10-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other

Complaint: I have a Capital One credit card and decided to download their app onto my smartphone. After downloading it, the institution asked for permission to access my telephone book as well as the pictures stored on my phone. I called Capital One and spoke with their Tech Support department and told them that asking for this information to get access to their app is a total invasion of my privacy as well as being none of their XXXX business. I was told that 's the only way to have access to their app. 

Capital One should be brought to task about this for the aforementioned reasons and redesign their app ASAP so users do NOT have to disclose this type of personal information

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 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: Transunion is not reporting correct information to my credit report. The name on my credit report is wrong, I have never went by XXXX XXXX XXXX. I have submitted my Florida driver 's license and my marriage license to Transunion on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX but I never had the error corrected. Also XXXX collections that were fraudulently open still reflect my credit report. XXXX from XXXX XXXX XXXX who I do not have the account number for instead I have a reference number it 's XXXX ; should be removed. I made a fraud affidavit with the FTC known as identity theft.gov and the reference number is XXXX. XXXX XXXX XXXX agreed in writing to remove their Collections too but only removed them from XXXX. That collection should also be removed from my credit report. The other fraudulent collection is from XXXX XXXX XXXX whom they also agreed to remove that collection. Keep in mind that none of these debt XXXX never sent me any notice that I was being placed in Collections. They never gave me any time to dispute these fraudulent accounts. It 's the law for these companies to do that. You are aiding and abetting these companies to break the law by letting them report false information to my credit report. I need the name on my credit report fixed it should be XXXX XXXX that is who I am. I 'm not changing this is who I am not XXXX XXXX XXXX. I do not know who that is.

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