milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: WE APPLIED FOR A LOAN MODIFICATION. DITECH RESPONDED BY SAYING THAT WE HAD NOT SUBMITTED INFORMATION, WHICH WE ACTUALLY HAD SUBMITTED. WE RESUBMITTED FOR THE 2ND TIME, AND DITECH AGAIN RESPONDED BY SAYING THAT WE HAD NOT SUBMITTED THE REQUIRED INFORMATION, WHICH WE HAD SUBMITTED TWICE. THE PAYMENTS, WHICH WERE NOT RECORDED CORRECTLY BY DITECH, WERE " LATE '' ACCORDING TO DITECH, AND THEY SAID AFFECTED OUR CREDIT RATING. HOWEVER, THE PAYMENTS WERE INCORRECTLY AND INTENTIONALLY INCORRECTLY APPLIED BY DITECH TO DEMOLISH OUR CREDIT RATING, SEIZE OUR PROPERTY, AND REFUSE TO GIVE US A LOAN MODIFICATION. WE HAVE NEVER, REPEAT NEVER, FAILED TO MAKE A LOAN PAYMENT SINCE WE PURCHASED THE PROPERTY IN 2007, EVEN WHEN THE PROPERTY WAS AND STILL IS DISMALLY UNDERWATER. WE HAVE FAITHFULLY CONTINUED TO MAKE HIGH INTEREST PAYMENTS FOR WHICH DITECH CONTINUOUSLY ATTEMPTS TO DERAIL OUR CREDIT, OWNERSHIP OF OUR PROPERTY, AND OUR GOOD STANDING. THIS COMPANY 'S PRACTICES APPEAR TO BE FRAUDULENT AND CONTINUE TO PLAGUE US, CAUSING A VERY SIGNIFICANT DEGREE OF EMOTIONAL DISTRESS AND FINANCIAL HARDSHIP BECAUSE DITECH ENGAGES IN WHAT APPEAR TO BE NEFARIOUS PRACTICES THAT SEEM TO BE NOT CONDUCTED IN GOOD FAITH IN AN APPARENT ATTEMPT TO TAKE OUR MONEY AND HOUSE ANY WAY THEY CAN. DITECH ALLEGES OUR PAYMENTS ARE OVER 30 DAYS LATE, BUT NEVER HAVE WE SUBMITTED A PAYMENT OVER 30 DAYS LATE. NEVER. THE TRUTH IS THAT DITECH INCORRECTLY RECORDED PAYMENTS AND REFUSES TO CORRECT THE RECORDS OR ACKNOWLEDGE THE PAYMENTS. WE HAVE NEVER MISSED A PAYMENT, AND WE ARE HONEST PEOPLE DEALING WITH AN APPARENTLY DISHONEST COMPANY. WE CONTINUE TO PAY NEARLY 7 % FOR OUR MORTGAGE AT GREAT HARDSHIP TO US, AND THIS IS INEXCUSABLE WHEN INTEREST RATES HAVE BEEN AT AN ALL TIME LOW. I AM SOON TO BE XXXX YEARS OLD AND HAVE BEEN AROUND A LONG TIME AND HAVE NEVER DEALT WITH SUCH A NEFARIOUS SITUATION. FURTHER, OURS IS A XXXX XXXX-GUARANTEED LOAN, WHICH FURTHER REMOVES ANY RISK FROM DITECH. THEY DO N'T WANT TO MODIFY OR REFINANCE MY LOAN BECAUSE THEY WANT TO CONTINUE TO CHARGE US NEARLY 7 % INTEREST AND THEY MAKE CONTINUOUS OVERTURES TO TAKE AWAY OUR HOUSE, EVEN THOUGH WE HAVE NEVER MISSED A HIGH INTEREST PAYMENT SINCE WE PURCHASED THE PROPERTY IN 2007. WE WITHSTOOD THE RECESSION WHEN EVERYONE ELSE ABANDONED THEIR PROPERTY. WE CAN NOT GET ANY RELIEF FROM THIS HORRIFYING SITUATION AND BELIEVE THAT DITECH SHOULD BE SHUT DOWN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (WA).
Issue: Using a debit or ATM card

Complaint: I filed my income tax return via XXXX. I was offered to receive the refund via a debit card through NetSpend. I activated the card in a timely fashion but the money was never put on the card. NetSpend is impossible to get through and charges a {$.00} charge just to contact them. They have a phone system that is impossible to get through and get information and least of all talk to a person to get the matter settled. At any rate, they have my tax refund and there is no way for me to get access to the funds.

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 07-06-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing today because I was direct to your agency after contacting the NY XXXX XXXX XXXX XXXX. HSBC mortgage has been playing games with us for years and years. since moving from the XXXX area, we can not get any information on our loan, about fees imposed, how much equity we have in our home, and any basic question like why is the amount owed different from one month to another, we are put on hold, disconnected, told we do n't have the right department or referred to a supervisor who says they need to speak with another office, after all this we Never receive a call back or answer to that question. we know over time we have paid numerous FEES which we didn t know what they were, why they were assessed or the cost of these fees. we need help someone intervene on out behalf .... we know we have been robbed over the years and put under a unnecessary amount of pressure and fear for losing out home by representatives ... we often receive letters that tell us to pay one amount to find the letter " was incorrect '' and we should have paid another amount, never to be given an explanation as to why the error was made and then we are given more fees because of this we are EVEN unsure about what type of loan we have we do have YEARS or documentation so we did n't kno where to start as far as uploading them

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I disputed charges with XXXX. XXXX did not contest the dispute. Instead, XXXX sent the dispute to successive collection agencies. Each time the debt was disputed, XXXX moved the issue to new collection agency without addressing the underlying concern that the debt was not owed. 

More recently, Southwest Credit ( collection agency ) contacted me while I was at work. I indicated that my job was not conducive to a discussion on debt but the representative persisted. I explained that the debt was in dispute and I would provide written correspondence. I sent the correspondence and Southwest Credit continued to call me while I was at work.Southwest, having no capacity to conduct an impartial investigation, decided that the debt was owed and reported a disputed debt to the credit agency resulting in the harming of my good credit. 

I told Southwest that I was open to an an impartial arbitration, but instead Southwest acted in bad faith and reported a debt to the credit agency. Again, I do NOT the debt as all equipment for XXXX was returned. Southwest has harmed my good credit with the sole purpose of coercing payment. I have suffered significant harm to my otherwise good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX CA SSN XXXX XX/XX/1961 Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX XXXX DEAR SIR OR MADAM According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
THIS IS DOUBLE JEOPARDY AND IS NOW AGAINST THE FCRA AND FTC LAWS I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification STATE TAX LIEN XXXX XXXX CO RECORDER XXXX {$17000.00} STATE TAX LIEN XXXX CO RECORDER XXXX {$17000.00} * Please remove all non-account holding inquiries over 30 days old. 

Thank You, 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
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 defaulted on a mortgage in XX/XX/XXXX ( the date of my last payment was in XX/XX/XXXX ). The property went into foreclosure in XX/XX/XXXX, my creditor ultimately sold the property in XX/XX/XXXX. It is now XX/XX/XXXX and the mortgage is still on my Transunion and XXXX Credit reports. The Transunion and XXXX report clearly shows that my last payment was in XX/XX/XXXX, but XXXX reported that I went from 120 days delq to current in XX/XX/XXXX and then back to 120 days delq in XX/XX/XXXX. As a consequence, this derogatory item is still on my credit report and I have been unable to secure a mortgage refinance for my primary residence because lenders wo n't make loans when a foreclosure is still on the credit report. this foreclosure should have dropped off my report 2 years ago. I have written XXXX and they have yet to respond. when I call XXXX I am ask to hold while I am transfered and then they hang up ( this happened twice ). I have filed two complaints with transunion via phone and between the language barriers and lack of customer service, nothing has happened ( in fact my transunion credit score, which I monitor, inexplicably dropped 30 pts ). The written responses from transunion and XXXX claim that a change had been made, but the derogatory is still on my credit reports. Pls 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 09/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with DataMax Corporation (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: According to ALL of my credit reports, this account was PAID, and is now CLOSED. I have already spoken to one of their collectors regarding this debt. She informed me that she would request removal from ALL of my reports!!!!!! Also, this account was opened without my permission, I informed her of that as well. So, WHY IS IT STILL ON MY XXXX REPORT?!!!!! I check those DAILY for ANY XXXX ID THEFT/FRAUD, and there should be NO DEBTS on there at all!!!!!!!! I have been a victim since I was XXXX years old, I am NOT doing well healthwise, I am ONLY XXXX years old, however XXXX DO NOT care how old you are!!!!!! And I REALLY am sick of ALL of these debt collectors in general LYING to you ( CFPB ), about accounts being valid when NO, THEY 'RE NOT!!!!!!! Also, I CAN BARELY SIGN MY XXXX NAME OR ANYTHING ELSE DUE TO CARPEL TUNNEL OR FILL OUT ANY XXXX FRAUD AFIDAVIT!!!!!! THIS STUFF NEEDS TO STOP, BECAUSE I DO NOT HAVE TO PROVE A XXXX THING TO ANY OF THESE COMPANIES WHATSOEVER!!!!!!! I HAVE ALOT OF THINGS GOING ON AND DO NOT NEED ANYMORE PROBLEMS!!!!!! I DO NOT KNOW HOW MANY MORE XXXX TIMES I HAVE TO SAY IT, THE POLICE DO NOT ASSIST IN ID THEFT MATTERS AT ALL UNLESS YOU 'RE FAMOUS AND ARE JUST SITTING ON MONEY OR THEY LIKE YOU AS A FAN!!!!!! I AM NOT THE ONLY PERSON THAT THEY REFUSED TO TAKE A REPORT FROM!!!!!!!! AND I DO NOT WAN NA HEAR A THING ELSE REGARDING THAT!!!!!!!! THE AMOUNT OF THE DEBT WAS {$96.00}. THANK YOU!

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 07/26/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed and sent copies of paid in full information to Equifax / XXXX and XXXX showing proof of payment, and all companies with the exception of Equifax has updated there records. I have been attempting to reach them to get this reported correctly for several months to no avail each time I make an attempt, I get an offshore rep from another country I can hardly understand and nothing gets done. I 'm needing them to please correct this information..

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I was enrolled in Equifax Monitoring Services in which I was able to get daily updates on my credit report and score. As of XX/XX/XXXX this was no longer an option. Each time I attempted to generate a new report with score the system indicated my order failed. I have spoken with several representatives and the issue has yet to be resolved. Most recently, there is currently a delay with Equifax reporting updates to my account. I have a new credit card that was reported to all 3 credit bureaus and Equifax has failed to update the account. I am also having trouble accessing my Equifax report through other monitoring sites. I am being told that there is an error with my authentication information. I have provided Equifax with my legal name, date of birth, social security number and address. This has been provided via fax as ofXX/XX/XXXX and again verbally on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company keeps reaging the account on my credit report. 
Please remove convergent isnt bonded to collect in Texas

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 12-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid of my credit card account with a settlement. I made the payment back XXXX XXXX2016. I  have the paperwork showing that i made the payment. I would like this taken off my account showing that I have not paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax 's data breach and loss has now put my SSN and all personal information at risk. It is impossible to talk past the automatic answering system. In addition, management thinks they did us all a great service by offering fraud and loss protection for a year for free. Here is my take on it. They make you sign up for it. It should be their job to sign everyone affected up automatically. It should continue until there is no longer a threat to our financial lives, not just a year. There should be serious discussion on how to fix the SSN breach, either a random number generator using alphanumeric to cross reference every SSN affected, or just issue new numbers using a new method. I am concerned about their lack of concern for me. Their take it or leave it attitude, especially since I did n't ask them to use their service, nor have I ever personally given them my information. The general public needs an advocate and your group can now show us all what your made of. Speak up, create change, and hold management responsible. Someone at the top should be fired, and many should be taken to court.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt does not belong to me.

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. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I disputed an account with the credit bureaus over the account showing on my Credit report! XXXX XXXX XXXX XXXX. The company responded by saying they did not own the account anymore they sold it to another company and wrote it as a charge off. This company also supposedly corrected information on my credit report. Well this account was showing closed XX/XX/XXXX well recently they have added a change that caused my big impact on my score through transunion, XXXX, and XXXX. They changed the closed date to XX/XX/XXXX. This company is steady having a very negative impact on my credit and the three Credit bureaus continue to change the information impacting my score. Transunion, XXXX, and XXXX should have to remove the account completely due to the fact that they are steady reporting inaccurate information. The closed date is wrong!!! As per the FCRA a company simply can not re age old credit and this company plus the credit bureaus have done just that.

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 01-03-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I opened account with bank in got scammed out of money from someone when I was XXXX I fell for the quick money scheme because I needed money

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 11-05-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My family 's property is facing foreclosure recently, our father passed away in 2014 and we were unaware of any creditors on his living trust, since his death CITIBANK NA has came forward with a claim and is now looking to foreclosure on our property without taken proper steps.

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 06/22/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I opened a Bon ton credit card and made a purchase in XXXX 2016. I did not receive a bill to the items I purchased. I got a call in XXXX 2016 and paid for the items. I settled the account and advised I would no longer be using the card. I continued to receive Robo calls 10+ a  week. Again, contacted Bon-Ton who referred me to Comenity bank. I have gotten no where with them. They continued to add late fees on top of late fees totaling {$210.00} even though the complete balance of {$72.00} as paid in full for the items I purchased. They are threatening and harassing. They continue to call me even after I have told them to stop on many occasions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with United Accounts, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: a few months back I noticed a decrease in my credit score so I investigated.I hired XXXX to look and they told me there was a collection action placed against me in XX/XX/XXXX by a company called United Accounts Inc. XXXX. So XXXX XXXX filed challenges with the credit bureaus and one has removed the item two remain. I also contacted United Accounts and was told this was supposedly a debt from an old landlord from XXXX This debt was paid in full by my father. We actually traded my living room furniture to the manager and he cleaned the apartment and washed the carpets. 
United accounts told me they received this debt in XXXX I then asked why I did n't receive a letter informing me of this debt, allowing the 30 days to challenge/prove I did n't owe it. They then told me that they sent a letter to the address I vacated I told them I was a student and never used that address I only used my home address and it was on the lease and I stated that the creditor should have provided that, At the very least when the first letter if sent was returned to them. I was then told they were not required to and eventually I would be forced to contact them with a collection item on my credit reports. 
This is when I filed the first complaint with your agency. I called your office last week and spoke to a gentleman there asking what happened because I just heard from a collection company in XXXX called XXXX attempting too collect on this.They told me the company that sent it to them was United Accounts. He then told me they very briefly responded to the complaint on XX/XX/XXXX stating they will send a letter to me and then apparently that closed the complaint. I informed him of this action by them and he suggested I refile a complaint and state all of this. By the way I have to this day never received any contact from United Accounts. So to sum it up United accounts received a paid off year old " debt '' and chose not to confirm this debt with me and when I filed a complaint very briefly answered it and never followed through with there answer but instead chose to punish me for filing the complaint by forwarding the debt to another collection company. This is XXXX!!!

Company response to consumer: Closed
Consumer complaint received 09/17/2016 about Debt collection (I do not know) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am seeing accounts in collection that are not mine trough my credit report. Also, I have not been notify on any of this.

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 07/24/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/2015 I contacted Chase Bank about my debit card being lost and asked them to cancel that card and I would go into a local branch here in XXXX and get a new one - which I did. While I was on the phone with them, the Representative asked if I recognized all the transactions. I told her there were XXXX I did not recognize, in addition, I had to XXXX more transactions which I had disputed previously, though I never received anything regarding the outcome of the claim. At that time she transferred me to the Claims Department and at that time they submitted a new claim with a total of XXXX charges ( see attached ) :XX/XX/2015 Experian $ XXXXXX/XX/2015 Experian $ XXXXXX/XX/2015 Experian $ XXXXXX/XX/2015 FormSwift $ XXXXXX/XX/2015 XXXXh $ XXXXI received the response that these charges were processed correctly and my claim was denied. 

I do n't care if they were processed correctly, they were not authorized. 

Please dispute the charges and return my money.

Company response to consumer: Closed with explanation