milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (PA).
Issue: Closing on a mortgage

Complaint: I had an FHA Mortgage with Ditech. I refinanced through a different lender, XXXX XXXX XXXX XXXX. A payoff letter was requested from Ditech dated XX/XX/XXXX and it listed a principal amount of {$180000.00}, interest of {$750.00} and Pro-Rated Mortgage Insurance Premiums of {$250.00} totaling {$180000.00}. It stated the amount was good through XX/XX/XXXX. As of XX/XX/XXXX my Escrow account had {$1200.00} in it. On XX/XX/XXXX XXXX paid an MIP/PMI of {$120.00} from my Escrow account. After receiving the total amount requested in the payoff letter on XX/XX/XXXX Ditech sent me a letter stating they would pay outthe remainig amount from my escrow account within 20 days. On XX/XX/XXXX they added {$310.00} into my Escrow account and then cut me an escrow refund of {$1200.00} on XX/XX/XXXX. When I had not received it leaving a balance of {$120.00}. When I  called Ditech about the remaining amount they said it would cut to me on XX/XX/XXXX which is the 30 day mark to close the escrow account out. I had not received the check on Monday, XX/XX/XXXX and went on line to look at my account and saw that Ditech took the remaining {$120.00} for another MIP/PMI payment. This totals 4 MIP/PMI payments that they have taken for the close of my mortgage. I called and spoke to customer service on XX/XX/XXXX and was told that MIP/PMI payments were always 2 months in arrears. I  know when took this mortgage out originally I had to pay two MIP/PMI payments up front at that closing in XX/XX/XXXX. Now they say I could send it in writing to the Customer Service Department but they wo n't refund that money because they never do. This is outrageous that they take money that is not due to them and get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Medical) with Smith, Rouchon & Associates, Inc. (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company called and without taking any security measures regarding my private information, spoke with someone other than myself about very detailed medical information from several hospital visits. It is also my understanding that this collection agency has full access to the local hospital 's database for purposes other than collecting past due medical bills. When asked to verify debt, the company mailed screenshots of my medical charts from the hospital 's database which was obtained by the debt collector having log in access to patient records. This information was also disclosed to me during a meeting with one of the customer service representatives at the hospital being referred to.

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 10-06-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: When I began gender transition, and changed my name, my bank began becoming more hostile to talking to me on the phone. They told me I did n't sound like a [ my name ], and would become upset with me. When I tried to get to the identity verification process, they asked me to email them court orders, drivers licences, social security cards, and I have done all of this, and they have sent me a token ( like an RSA token ), but they forward me every time I call them to an extension that drops the call. 

I have been unable to access my bank account via my phone or via my computer login now for over a year because they view me as being " suspicious. '' The only way I am able to access the money in my account is with my debit card and with direct deposit into that account. I only assume that purchases work. 

This bank does not have local branches so I can not walk into a branch and show that I am who I say I am. 

Compounded by this, I used this bank for my auto and renter 's insurance. I no longer have access to any of this, which I accessed through the app on my phone, and all of the above has lapsed, and I can not verify who I am on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: One day I was surfing the internet, I desired to my credit on line, I found XXXX accounts, I did n't have any knowledge of the them, I opened a disputed, and XXXX of accounts XXXX was removed from my credit report without a problem, the other account Midland Credit Management.Inc. without investigation, they desired to kept opened on my credit report, I opened a second investigation, I sent an E-mail, I explained, the reason why the account did n't belong to me, nothing happened, I got the comfirmention number from the investigation on my report ( XXXX ) with a missing number, it must be XXXX digits, I was looking for the account number I could n't find it, I contacted the Midland Credit, the person who answered my called asked me for the account number, I told him I did n't have and could n't find it in my report, then he asked me for my social security number, I told he I wo n't give to him that 's personal inf, I said to him, I started a disputed on a account with people, I can give you the confirmention number of your investigation, he replied without account number or ssn, he wo n't be able to help me and he just hang up the phone, so disrepecfull and without good manner, not giving me any other option to correct this problem, I belived those are the same people who opened this account .and was waiting for me to call them so they get full assects to social security and personal inf, I urge you please take matters in this issued and help me to bring down this people before the Law.Thank you I hope to hear from you soon.Sincerly XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On the morning of X/X/17, I learned of the data security breach at Equifax Credit Bureau via XXXX. XXXX provided a website address/URL to assist individuals in determining if they were affected by the hacking incident. I visited the aforementioned site and was informed that both me and my spouse were possibly affected by the hack. We subsequently registered for identity theft protection via their TrustedID program. Later on in the day, I learned that after one year Equifax will charge for the TrustedID program and signing up for the program waived our rights to participate in any lawsuits ( i.e. class action, etc. ) and we 're subjected to only arbitration. I believe this to be very unfair, penalized in two different instances for their inadequate cybersecurity protection of our personal and highly sensitive data ( charge after one year and waiving our rights ).

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at   XXXX   XXXX   XXXX   XXXX  , CT  XXXX  yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I have also attached a court order showing the  XXXX   XXXX  ACCOUNTS ARE NOT MINE NOR AUTHORIZED BY MYSELF AND DO NOT FALL UNDER LEGAL CREDIT REPORTING. I DO NOT WANT TO HEAR THE COMPANY VERIFIED  MY INFOR A S I NEVER LIVED OR RESIDED AT THE ADDRESSES ASSOCIATED WITH THESE ACCOUNTS. They were a result of ID Theft so obviously the  SSN is matching. I would also like a free updated credit report sent to my address once the se accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question.   Accounts Reported Balance   XXXX   XXXX   XXXX   {$4600.00}   XXXX   XXXX   XXXX   {$3600.00}   XXXX   XXXX   XXXX   XXXX   {$5400.00} I do not nor am I asking for a generic response that inquiries are a matter of Record of Access to my credit report. The following inquires did not have the  Legal Permissible Purpose to access my credit report and under FCRA can be disputed thro ugh the credit bureau. It is then the companys responsibility to prove permissible purpose i. e. Inquiry fo r credit and or employment purposes. None of the following had this permission and or permissible purpose and therefore need to be removed immediately.  <P/> Inquires Number T hereof   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I bought on credit some furniture and they start callin the day its due and every day 5-6 times every day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I am Shocked when I reviewed my credit report and found late payment on the dates below : 30 Days late as of XXXX 2014 30  days late as of XXXX 2014 30 days late as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Student loan (Private student loan) with ACS Education Services (UT).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have been receiving phone calls from multiple numbers and none of them leaving voicemails. I finally decided to answer one and its someone on the other line telling me that I'm 100+ days overdue on my payment and if I would like to make a payment over the phone. I wasn't born yesterday obviously I started asking questions. They had confirmed that they are a collector on behalf of ACS and/or Conduent. I had told them I have never heard of them nor have I received mail of a payment due, late notice of payment, second notice of payment, or even a collection notice. I ended up calling my school about the first week of XX/XX/XXXX and left a message. Just today I got a hold of them and asked to see if they knew who ACS or Conduent is and my school confirmed they are indeed one of the lenders. So I called today and asked them to send me some sort of bill or payment notice or something. I was a student and am making better of life. To better my life and my family we moved out of state, but my mother-in-law lives at my previous residence. The USPS uses mail forwarding that I am currently using. So there is no excuse for me not to receive my mail. Apparently they have already messed up my credit. This is not right. I'm suppose to use telepathy to know who to pay my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I received a check in the mail from my mortgage servicer stating that I did not send enough to re-instate my loan. I have been sending them money on a regular basis since I regained employment. I am trying to catch up on my payments as fast as I can. Why are n't they accepting this payment when they accepted previous payments and payments since this payment? Help me stay in my home! I 'm desparately trying to catch up on my mortgage that was already modified once!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage that was bought by Ditech. We have always paid our payment through my local bank bill pay. Well, the last XXXX months Ditech has credited our entire payment to escrow instead of the principal, interest and escrow. We keep getting calls demanding payments that we have already made.we have talked to numerous reps from Ditech who tell me that they have enhanced their online experience. Ever since the " enhancement '', it has been a nightmare. They have continually admitted it is their fault, and have promised it will be fixed. It has not. I received a notice of a negative rating on my credit report for missed mortgage payments. Ditech insisted they never sent anything to the credit bureaus. we are at our wits end with this situation. we keep getting letters in the mail urging us to get credit counceling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Debt collection (Federal student loan) with Action Financial Services, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Not enough information to verify debt, amount of debt, Did not receive no form of paper work or amount of debt via mail when asked. Company was provided all financial upon request and after I was told I would pay {$43.00} a month so I said XXXX, I gave them the XXXX then then they said later they want XXXX a month, I still have not received any paperwork only phone calls daily. the company is Action financial services, llc

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 08-05-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Shopping for a loan or lease

Complaint: I paid my Santander Consumer USA auto loan in full almost three years ago. They reported it to all of my credit bureaus as a charge-off, yet I have the title and the release of lien along with a letter indicating that the loan was paid in full. This has done serious damage to my credit rating. So much so, that no bank will even consider me for any kind of loan. Not even the banks where I am a member. I 've disputed it with my credit bureaus and attempted to resolve the issue with Santander. Still, it remains on my reports as a charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Student loan (Private student loan) with WELLS FARGO & COMPANY (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This is the second complaint I have filed about Wells Fargo 's online banking system. I use Wells Fargo only to pay my private student loans. Their online system will not allow you to schedule a payment for a future date. I believe this system was created with the intention of keeping people in debt for longer than necessary. No other online banking or loan system that I use prohibits customers from scheduling payments in advance. 

The last time I complained, my online account - which again, I only use to pay my student loans - showed a record of someone applying to refinance a mortgage online via my name. I did not do this. I called and asked for more information about how to protect myself from fraud, but was told to just change my online user name. Their fraud department did not take this seriously and said they could not see the transaction on their end. I am still fearful that my account has been used for fraudulent purposes.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently ordered my credit report from equifax and I 've noticed multiple inquiries listed on there that I did not authorize or recognize inquiries such as XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for home modification.I completed my trial period and received docs with a sound ve ex husband name on docs.I applied for modification in only my name.I called my poc to inquire why his name was docs since I hadnt applied with his name on any my info.I was told that she would check into it.I received a call several days later informing me that because I live in a community property state that I needed a quit claim deed from my son to be ex and that would solve my problem.I was able to get a wuit claim from my soon to be ex husband and I faxed it over thinking that I solved the problem.I contacted my PIC and I was told I needed Divorce Decree.I informed her that she had.told me.that I.only needed the quit claim deed and that it would be impossible for me to get a divorce decree before 6months.I asked for a supervisor .I received a phone call from.the supervisor and I was told pretty much if I did n't get divorce I would lose my modification.I then filed a complaint with.Wells Fargo informing them that I didnt feel I was been treated fairly since I had did everything that I was supposed to do and that because im getting divorce im being penalized for.something I have no control over.I purchased my home 20years ago.and I have only veen married 2.5 years.I complied with everuthing they asked of me and im getting treated terrible.I received a call from them today telling me pretty much that if I didnt get a separation agreement that I would lose modification.This has caused emotional stress, headaches, sleepness nights I have XXXX has been an horrible experience.I would n't wish this on anyone.Please help me resolve this issue

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 10-11-2017 about Debt collection (Other debt) with ERC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A XXXX account was opened in my name and it was not me. I want the account removed off my credit I am not paying a debt that isnt mine. I didnt give anyone permission to use my name and personal information. I have already contacted the company and they are not trying to do anything to remove this account from collections, my name, and my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: In XX/XX/2016, I was induced to open a Citibank CitiGold Checking account with a bonus offer. The bonus offered XXXX AAdvantage points in exchange for opening a CitiGold account, making {$1000.00} in debit card purchases, and scheduling two bill payments from the newly opened account. Over the past month, I 've reached out to Citibank trying to obtain confirmation of when my AAdvantage points would reach my account but they 're either blatantly ignored me or given me a broad explanation of why I may be denied the bonus. My attached document provides a timestamped breakdown of my inquiries with them.

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