milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: This is the second time ( 3rd if you count XXXX XXXX XXXX going into the transfer to Green Tree ) that I have submitted full modification application to either state it was lost or incomplete. The latest and one which generates this complaint comes from Ditech. On XXXX XXXX, XXXX, I received a certified mailing with a letter dated XXXX XXXX, XXXX. Ditech stated they would not be reviewing my application due to my failure to submit the itemized missign docs. This is absolutely untrue. On Juanuar XXXX, XXXX, XXXX Central time, Ditech was sent XXXX doc, a copy of my check stub ( which I sent with the initial package ), copies of my XXXX taxes, and a signed XXXX ( a document I also previously signed ). I have included a fax receipt, the fax took a total of 3:38 seconds to complete teh fax number is XXXX ( as noted on the fax ). I can also obtain independent phone log if Ditech wishes to have additional proof. I am so tired of the runaround from Ditech, it 's obvious they are wanting to foreclose. Ditech also stated, it is my responsibility to call XXXX, my assigned rep. I have advised on countless times, I am hearing impaired, offer alternatives, and seem to be the one making accommodations. Never once have I received any correspondence from XXXX, and I content Ditech is punishing me for having a XXXX. I sending Ditech proof that I submitted the docs, per there portals, and also sending an email, fax, and have uploaded the proof on their website, however previous uploaded docs have disappeared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stellar Recovery, Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have called stellar recovery Inc. several times over the past two years. My XXXX XXXX account states and I quote This agency did not report a closed account to this bureau it was for a XXXX XXXX bill for {$39.00} which has been paid ( for over three years now ) .I have requested that stellar remove this collection from my credit report and stellar stated that they can not. I ask why and the representative said only the three credit bureaus can. So I sent in a request to the credit bureau to have it removed and it was denied, because they said stellar and I quote This agency did not report a closed account to this bureau. Im getting really tired of the back and forth with this company stellar recovery Inc. I just want it removed from my credit report! The debt has been paid in 2014. Im not understanding why its so difficult for them to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Medical debt) with Experian Information Solutions Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX deleted this company but Experian still have it on my credit report I just want my credit report to reflect the same information.this company is fradulantly trying to collect money that I do n't owe from 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 non-monetary relief
Consumer complaint received 02/21/2017 about Debt collection (Credit card) with CL HOLDINGS LLC (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: was sent a letter offering to take XXXX dollars a month for 12 months so i agreed to this and it took over 2 weeks to even get a letter showing i was under this program. then the day before i ws to get the letter from them they sent it to another collection cmpany to try to get full payment for it. when i called them about this i was told at first it was a mistake nd to call another number to have the pull it when i called it i had a hard time understanding the lading i was talking to so i asked to speak to a supervisier and that lady hung up on me while i was tring to explain what had happen to her and when i called back i was told to deal with the other collection comany

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XXXX XXXX I open an account for a credit card with Discover Card ... .My credit score was fair the Discover credit card company inform me that I had to put up a secure deposit I put up a Deposit of {$700.00} ... and was informed if I may all credit card charged to the account on time I would receive my secure deposit back and continue to use the Discover card ... XXXX XXXX XXXX which would have been 1 year ... I never was late with my payments and my credit score went up more than 60 point from when my account open.I called Discover Credit Card Company Representative and asked about my refund or deposit and was told yes I did make all payments on time and that after each month the look at all accounts payment history..But they never responded back or sent the secure refund..at the end of XXXX XXXX I spoke with an rep for Discover and was told they still was looking each month at all accounts ... I asked them on that day XXXX XXXX XXXX ..to please close that account and send me my deposit back..my credit card account was XXXX balance..for the last two statements ... .however ; this company continue to use my secure deposit earning interest monthly ... and as of this date XXXX/XXXX/XXXX ..I have not received my deposit ... this company continue to open new accounts with the promise of returning the secure deposit after one year if all payments are made on time ... but never keep their promise to many consumer who only desire is to earn or rebuild their credit and show good faith ... .I build-ed my credit back up with many other accounts I have open ... .why are they still using my hard earn money from my SSI retirement check..my only income.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a collection with ad astra which I paid in full, with them I asked if I pay in full will you remove the debt from all XXXX credit reports, the representative said she has approval from her supervisor to do so. One month later the collection is still showing on my credit report, so I called back and asked again to have the collection removed since I had been promised they will. The young lady on the phone they and give it thirty days. That last call was three months ago and the collection is still reporting on all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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: i requested a re-investigation of the bankruptcy on my credit report and was told that it was verified through XXXX. XXXX only shows the last XXXX of a social security number. I also verified this through the bankruptcy court, in order to make sure that the information is ie : the correct full social security number, is to request a court order through the Bankruptcy court, which was not done, and that is where the error is. FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available XXXX reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX or 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 03/15/2017 about Credit reporting () with AMERICAN EXPRESS COMPANY (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. XXXX letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
AMERICAN EXPRESS XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/2016 I called Quicken Loans looking for general info re : a refinance. I later learned of a " Hard Pull '' having been performed on my credit that resulted in a XXXX pt. loss to my score. I immediately called back and complained about the loss and was told I gave permission for the " pull '' which I contested then as I do now even after hearing the conversation as it was recorded originally. QL escalated my complaint and researched the call and did call me back with their results. 
As I explained to them all I want is to be made whole and a cursory inquiry as to what refinance options they may have had available should not have cost me those XXXX points. I covet each and every point of my score and at no time did I make application for QL to proceed with an offer to refinance my mortgage. 
In the recorded conversation QL played back to me and used to authenticate my acquiescence to the credit pull, I disagree with their conclusion that the recorded phone call indicates I authorized the pull. 
Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I took out an education loan back in XXXX XXXX, XXXX which was serviced by XXXX. Over the years, I have had my own personal hardships and was unable to make payments on this loan. There were originally two loans. One of the loans has been deleted for incorrect reportings. The original loan was {$15000.00}. 
After reviewing my credit report I found that the current XXXX was incorrect in numerous ways : 1.  The amount financed is incorrect. They have it as {$16000.00}. It was supposed to be {$15000.00}. 
2. The past due amount is {$45000.00} which is incorrect because it is almost triple the amount financed. This is a violation of my rights. Collection fees can not be more than the amount originally financed. 
3. The past due amount should have been {$33000.00} Not the amount reported. 
4. They have positive payments from XX/XX/XXXX to XX/XX/XXXX. This is incorrect. I requested to have it deleted due to the 7 years being expired and they falsely reported payments in order to restart the time clock. 
I asked XXXX for a transcript of all the findings listed and they were unable to provide them to me. Therefore I reached out to the credit bureau and asked them to investigate and each time they returned the account as being validated, but still never showed me documentation of this accuracy. 
Over the last year, I have opened up several disputes and even called them to speak to them about this. Again, they simply said it was investigated. I have never made any payments on this account since it started in XX/XX/XXXX. 

In XX/XX/XXXX I made two payments for the amount of {$25.00} on the other XXXX account that has since been deleted. What XXXX did was take those payments and apply {$9.00} to the current one in order to keep it running. This is a clear violation of my rights. Again, I asked both XXXX and the credit bureau to send me documentation and it was not done. Each time I contacted XXXX they simply say that they will send it and then they dont. In regards to the credit bureau they simply say the investigation is completed. 
XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX Amount reported : {$45000.00}, {$45000.00} also said a portion was charged off.

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 11/22/2016 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (IL).
Issue: Credit decision / Underwriting

Complaint: I was interested in refinancing my existing XXXX Mortgage and I reached out to New Penn Financial ( XXXX ) starting in XXXX of 2016. Everything was approved and ready to close but on XX/XX/2016 I decided that I no longer wanted to move forward with the loan/closing. I informed XXXX of New Penn Financial on XX/XX/2016 via email. XXXX quickly reached out to my via phone in an attempt to convince me to continue working with New Penn and close out the refinance with them. New Penn has ignored multiple requests from my new refinancing company " XXXX '' to transfer my FHA case number to allow them to lock in my refinancing rate with them. I saw this as a deliberate attempt by New Penn Financial to block me from being able to shop my refinancing options with other Mortgage Companies. Because of New Penn Financials unethical behavior my original estimated Mortgage interest rate increased from 3.37 % which is now costing me more money. New Penn Financial continues to call me 19 days later stating that they need me to telll them who to transfer the FHA case number too. This does not make any sense to me because I know that XXXX provided all the necessary to New Penn to transfer the FHA case number. All of this will now end up cost me thousands of dollars. This type of behavior should not be allowed because it cause consumers a lot of unnecessary stress. As I 'm submitting this compliant XXXX of New Penn Financial continues to reach out to me regarding the loan that I requested him to stop working on 19 days ago. XXXX emailed me on XX/XX/XXXX stating " I see you made your XXXX payment. We can still do the loan for you and close in XXXX '', again after I informed him on XX/XX/XXXX that I decided not too move forward with New Penn. This sounds like New Penn continues to work my loan and pulling my credit report, which is going to show as additional inquiries. I 've informed New Penn Financial thatI plan on working with another institution so why are they continuing to utilize my information? 

XXXX, NMLS # XXXX New Penn Financial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: Pennymac is not acting in good faith, and are ignorant to my complaint, they are reporting a negative account under my name with no history. Despite several attempts to correct it and advising them that it 's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Mortgage (Other mortgage) with Ditech Financial LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech charged me the wrong amount from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX they finally reallocated my payments and credited an overdue HAMP incentive. Almost 15 months overdue to be exact. I disputed the error forever including on this board many many times. They reported me late to the credit bureau 3 times even though they charged me the wrong amount. All my mortgage statements had incorrect amounts due. They waived the late fees but failed to update my credit reports even though I have told them repeatedly of the error and even submitted a copy of the letter from them acknowledging this. My credit score has dropped considerably from this. They are intentionally harming me I believe in retaliation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My originating mortgage company ( XXXX ) sold my load to LoanCare LLC in XX/XX/2017. I had already made my payment to XXXX for XX/XX/XXXX. When I was informed of the transfer, I called Loancare to make my XX/XX/XXXX payment, At first, they refused to accept payment for XX/XX/XXXX as they were still waiting for paperwork. Once they received the updated paperwork, i called to make the XX/XX/XXXX payment, and they refused to take it, as they wanted XX/XX/XXXX first. I informed them that XX/XX/XXXX was made to XXXX. And that i was paying XX/XX/XXXX. I called in that payment on XX/XX/XXXX, received my confirmation, and the money was withdrawn. They are now sending me threatening notices of delinquency for being 2 months behind. Loancare is a very unprofessional and uneducated company.

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 04/25/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: mortgage payment increased without notice from approx $  XXXX  to $  XXXX .   I have automatic payment setup ; my account did not have enough to cover the {$570.00}. They called me stating that I owe {$570.00}. I did not know why it was {$570.00}. The caller did not know. therefore, I told the caller to research, call me back and I will pay if it is something I owe them. She did not call me back with the answer. I received another call again. eventually, someone was able to transfer me to someone who could help with the issue. I told the lady I never received a notice stating that my mortgage payment has increased. Change of mailing address was reported. She said someone from executive mortgage department will contact me.  XXXX   XXXX , mortgage officer, called me. I explained my issues. She said she will research and call me back. in the mean time, next month 's payment was coming due. I said I can not pay for something I do n't know what I am paying.  XXXX   XXXX  called me back eventually and explained. I payed the two monthly payment I owed. However, I explained to her that I should not have been charged late fees and also that I was charged overdraft fee from the other bank. She said she will look into it. she asked me to fax her bank statement. I faxed it. few days later, when I called her, she was not in her office. Later someone else called me back. she said she will be working on my case. I also requested that late payment should not go on credit report since it is not my fault. I was never late with my payment before this incident. She said she will mail me some document where I can request not to go on my credit report. I never received it. During this time, many times I had to correct my address. they say it is incorrect in the system. It almost sounded like the person before typed it incorrectly. it happened several times. mortgage officer said I need to give her exact date when I initially requested change of mailing address. I do n't have those dates because I did not think I would need it. I feel that they do n't care about their mistakes. they are not willing to work with you. I paid both payment as soon as they explained to me why my payment has increased. late payment on my credit report will hurt my credit. I was charged late fees and overdraft fees due to wells fargo pulling {$570.00}. If I had known my payment has increased, I would have made sure there is enough money before they pull the mortgage payment. I was never late on my payments before this. This is very frustrating and disappointing. I feel helpless. They are big company and I am just a small person. I feel they do n't care. It is not fair. In future, I will never do business with them. This will be my last mortgage and last acct with wells fargo.

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 06/16/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (OH).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( 8 minutes ago ) A young single mother was preapproved and then approved to buy a {$100000.00} XXXX. 
The lady had a total income of {$31000.00} a year. 
She had monthly debts of {$350.00}. At the very most, she qualified for a mortgage of {$61000.00}. 
The US Bank loan officer arranged a USDA downpayment of {$1500.00}. 
Not only was this lady not qualified to handle a {$100000.00} mortgage, she did n't even have any money for a downpayment. 
The appraiser from US Bank appraised this old house for {$100000.00}. It had sold only a few months earlier for {$55000.00}. 
Two years later, when US Bank sent an appraiser to determine the value of the property prior to a short sale, the property could only appraise for {$70000.00}. There were no damages to the property at that time. There are now after a year of being listed for sale. 
After agreeing to let my client do a short sale rather than a foreclosure, US Bank has done everything in its power to prevent the closing of the property. 
Their closing agents always take off on vacation when the various buyers ' loans are approved. 
US Bank managed to obstruct and delay XXXX closings with XXXX different buyers over the course of a year. The buyers were so delayed that they eventually gave up. 
We received a cash offer of {$69000.00}. US Bank sent over after some time an approval Summary stating the costs they would pay. 
As soon as we set a closing date, the new closing agent requested the exact same documents that she had already had and that US Bank had received many different times from myself and my client. She also wanted the same HUD that she had received before. 2 weeks earlier. 
I sent them, reminded her that the closing date was Friday, and asked if she needed anything else. 
Obviously not. Because her auto respond message was that she had left on vacation. 
So on Friday, finally on schedule, we closed and gave the buyer the keys. 
Now US Bank is angry. They are giving the title company a hard time. Is it closed or not? 
What does it profit US Bank to foreclose on this property? Why are they so determined to not settle this matter for good? 
They netted what they wanted minus the XXXX water bill that totalled over {$500.00} after a year of delays.What is their problem?

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