milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (LA).
Issue: Credit decision / Underwriting

Complaint: I submitted a loan application to Ditech Financial LLC, which is my current loan provider. I have a 30 year fixed rate loan at a 4.375 %. Based on my credit score, they informed me that I was eligible for a 30 year fixed rate loan at a 3.75 % interest rate ( APR 3.8 % ). I began the process of submitting all of the paperwork, and I was responsive within 24 hours to each of their requests. 

Even though my income has increased every year since the initial loan was made, they denied my loan application. After following up with my loan officer to explain that my income had increased every year, that I had provided all documentation substantiating that fact, and that I did not feel that the process was handled fairly, he wrote the following to me : If this is OK with you, I would like to take a new application and submit a completely new package to underwriting with all of the information completed and together. I believe we will have a greater chance of approval by doing this. The numbers look ok to me and I believe with a new package and a new underwriter looking at the file it will become approved. how does this sound to you? Please let me know if this is ok and I will rework everything and get you out the new paperwork today. I have been out for about a week so I am very behind and I am trying to get caught up. Not avoiding your call just on XXXX phone call then another. Please advise as I would like to do nothing more then to get your loan approved. 

When I inquired about the interest rate that I would be eligible for if I reapplied, and he stated that it would be a 4.5 % interest rate ( 4.79 APR ), which is higher than my current rate, and he falsely stated that this refinancing would save me money : That rate that we had on the old loan expired on XXXX, so we can not transfer that over to the new loan. Today 's current rate on a 30 year fixed rate is about 4.5 %, I would have to go in and make your new application to get the exact rate. But for an estimate a {$350000.00} loan with a 4.5 % interest rate ( 4.79APR ) makes the payment {$1800.00} which would save you {$21.00} per month. 

Given that this would be a new 30 year loan at a higher rate than I am currently under with the same provider, this information provided to me is false. I do not feel that the underwriting process was handled appropriately by Ditech Financial LLC and wish for the company to review my full income for a 30 year fixed rate refinancing at a 3.75 % interest rate ( APR 3.8 % ).

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SUNTRUST BANKS, INC. (SC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I used my credit card to reserve a hotel for a weekend trip to Puerto Rico for  spring weekend as a honey moon trip. XXXX {$90.00} to reserve XXXX {$120.00} was charge the pm we got to the place On XXXX/XXXX/XXXX around XXXX we got to the " hotel '' for check in and a guy met us at XXXX to help us find the place. The place was a dump and the area was scary, I felt so bad but grab keys and left to our tour of that day. We got to the hotel at XXXX and to our surprised that we did not get the gate keys so could not get in the room. Had to wait until after XXXX for the guy that checked us in to open the door. I was SO mad at that point that I told him we were leaving the next XXXX and where to leave his keys. He said on the table. At XXXX I wrote a written notice plus sent him a text, we contacted a friend of a friend and the remaining of the weekend slept on an air mattress. The advertising for this place is deceiving and I took pictures to show how horrible it really is and on top of that to have to stay on the street unable to go inside the room it is unacceptable. My credit card company denied the dispute because I did not cancel 2 weeks prior, which makes no sense since I was planning on staying on the hotel but due to the circumstances were forced to leave. This company, ( Hotel ) has the history of doing the same thing because I found customer reviews after the fact. The credit card company did not protect my rights as a consumer and I feel ripped off having to pay for a place that first of all, I left. That made my honey moon a horrible experience and now we have to do something else later on and did not use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello on XXXX XXXX i woke up to check my credit account and i saw a new collection account was added to my account. Upon further review this indeed was a collection account that was once removed from my credit report was added on again by the same collector without prior notice. After looking at past and present credit reports it has come to my attention that you have allowed this item to be reinserted into my credit file after it had been deleted. Based on the credit report dates the period during which this reinsertion took place was XXXX/XXXX/17. 

Pursuant to the FCRA, I 'd like to be provided with copies of the certification required for reinsertion for this account. 

Under the FCRA Section 611 ( a ) ( 5 ) ( ( ii ) ".... reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
XXXX Additional information. As part of, or in addition to, the notice under clause XXXX a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion XXXX a statement that the disputed information has been reinserted ; XXXX XXXX XXXX the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ;.... '' I was not so notified. I am disputing this item. I will allow you 15 days to furnish this information, however if you do not provide the information requested, you must delete this account as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request. 

Thank you for your time and effort.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-10-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, XXXX XXXX, XXXX XXXX, etc. and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it is going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. 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 non-monetary relief
Consumer complaint received 08-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed these accounts several times. The accounts have been deleted for years and placed back on my report. Here is a listing of the following accounts : XXXX - I have never been late for these accounts ; the accounts were drafted from my account XXXX- Because I was out of work, the insurance that I paid for covered my payments on this account. I filed a claim and had to wait for the claim to process. The company manager and XXXX XXXX Insurance Company Informed this company of the process. I was still charged late fees. 
XXXX XXXX XXXX XXXX -- My car was totaled because of his accident. My insurance company, XXXX XXXX paid XXXX XXXX XXXX XXXX the money owed and the title was provided XXXX. 
XXXX XXXX Account was opened fraudulently. I am not aware of this account number. 
Bank XXXX The account was removed and placed back on my credit report. This account was opened fraudulently. A letter was provided to all credit reporting agencies and I am still fighting for the account to be removed from TransUnion. 
In the State of South Carolina, there is a State of Limitations. The credit reporting agencies are not following the statute of limitation law set forth in this state.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian continues to verify an account that is showing a repossession that is not correct. The account, XXXX XXXX XXXX, is showing it was repossessed in XXXX XXXX. I sent Experian proof, the title to the card, showing that the car was paid off and I held the title. They repeatedly claim their information is correct despite the proof that was sent. They are violating the FCRA and I would like to have the account removed from my report. XXXX and XXXX has accepted my proof and removed the account but Experian refuses to acknowledge anything I send them regarding this account.

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 10-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (VA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I allowed myself to be talked into replacing the roof of my townhouse in the start of calendar year XX/XX/XXXX.  The financing to cover it was a XXXX XXXX XXXX XXXX credit card. I assumed it was a fixed amount card as it expired in XX/XX/XXXX. At the start of the year I had over {$11000.00} to pay down and was able to get the debt under {$6000.00} before XX/XX/XXXX. When I received my XXXX statement, I was socked with an interest lump sum of {$4700.00} to inflate the debt to over {$10000.00}. I consulted my retirement account counselor who directed me to this website. The credit card in question is " XXXX XXXX XXXX XXXX '' and this financial division/group is already under scrutiny from the Consumer Finance Agency under Complaint ID XXXX ( the counselor perused this information and provided the Complaint ID ).

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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Identity theft XXXX XXXX XXXX XXXX XXXX Account number XXXX Date open XX/XX/2015 Amount XXXX Fraud accout XXXX XXXX XXXX XXXX XXXX was removed from credit report then added back on

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 05-12-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: Wells Fargo Dealership Services has not sent the credit bureau 's information saying that my loan with them has been paid off. I have been disputing late charges that they think I accrued to the amount of {$390.00}. I have paid the principle of my loan off and they are holding my title because they think I owe them Late Charges. On top of it they are telling the credit bureau 's that I still owe {$1.00} and now have been given a 30 day and a 60 day late charge on my credit. Is this legal? 
I have been unemployed for the last 6 weeks and I am applying to government agencies that look at credit reports. This could and may effect my hiring with an agency. Every time I call the person says they can not help me, then they transfer me to someone else that says that they can not help me, and then I reach someone that said he would call me back and never does. The last person that said that was from the number XXXX XXXX ( XXXX ). 
I do n't believe I owe the amount of Late Charges and I have called to negotiate but the people I keep talking to say they do not have the power to do so and will not let me talk to someone that has the power. I have paid my car off, I deserve my title, and my credit should not be affected by so called Late Charges they are accusing me off. 
I have attached my bill for this month of XXXX for you to review. In the description box it says I owe {$390.00} for Late Charges, Current Payment Due {$3.00}, and my Loan Balance is {$1.00}. I DO NOT owe anything on my loan, it is paid off, they are lying. 
Please look below the Description box and it says in bold, " The Total Payment Due includes Past Due Amount of {$0.00} and Late Charges Accrued of {$390.00} due immediately. I have no past due amount yet they are saying I owe a dollar at the top. My loan is paid off and they are ruining my credit to try and get me to pay them fees I do not believe are correct at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 am very tired of Experian defying the law and NOT sending documents when REQUESTED by a consumer. Experian is a terrible company and should not be allowed to get away with adding whatever they want to consumer 's credit files WITHOUT properly verifying the information. I have submitted a dispute and Experian simply refuses to DO THEIR JOBS! I asked for hardcopies of what information they received to verify information and instead they send me a letter stating they will not remove accurate information. Again they DID NOT SEND ME WHAT I REQUESTED AS A CONSUMER. THERE IS FEDERAL LAW THAT THEY MUST ABIDE BY AND THEY ARE NOT. These are the same people who lied about the scores they were providing consumers with so why should they continue to be trusted. Funny enough I contacted the SAME CREDITORS WHO EXPERIAN SUPPOSEDLY VERIFIED INFORMATION FROM AND THEY TOLD ME THEY DID NOT GET A REQUEST FROM EXPERIAN TO VERIFY THE INFORMATION I AM DISPUTING ON MY 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 explanation
Consumer complaint received 03-12-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I entered into a HAMP mod with OCWEN in XX/XX/XXXX, the terms of that mod include debt forgiveness/cancellation in XXXX even steps after I perform without missed or late payments in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I received a XXXX this year stating that OCWEN has taken the full amount of debt forgiveness against the XX/XX/XXXX tax year. This is debt forgiveness that has not yet been realized as the dates have not been hit and I still have to perform. This is tax fraud ( it has been reported to the IRS ) and I have no doubt that OCWEN is treating all other similar HAMP mods the same way as they are desperate to have losses to package as " advance receivable trusts '' or similar debt instruments. 

OCWEN can not take the " loss '' in XX/XX/XXXX ( in violation of the HAMP mod terms ) without immediately granting me the debt cancellation rather than making me wait several years. OCWEN ca n't pick up their end of the stick without picking up my end also. 

I am harmed by the illegal acceleration of the debt forgiveness as I am obligated to show an additional $ XXXX in " income '' on my tax return. This is unconscionable. The schedule for debt forgiveness is on " page XXXX of XXXX '' in the agreement, paragraph XXXX ( C ) " the modification ''. This is I believe actually the XXXX page of the pdf file attached.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MN).
Issue: Trouble during payment process

Complaint: I/we have been in an adjustable rate mortgage 5/1arm since XX/XX/XXXX at an initial rate of XXXX  fixed for five years tied to the LIBOR rate and indexed at XXXX plus the LIBOR rate in XX/XX/XXXX of each year since XX/XX/XXXX. New payments start in XX/XX/XXXXof each year. Each time the rate resets the principle reduction decreases and the amount of interest to Ditech increases. This has been going on sinceXX/XX/XXXXwhere the amount going to principle actually goes down see the attached. This is incorrect. The loan is not new each year and should not be treated as such where a new loan inception takes relatively little principle off.

I have had the State AG office look into this but I don't believe they understand the math well enough to solve the issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Starting yesterday, XX/XX/XXXX, I received a call from ( XXXX ) XXXX. I did n't answer it, but looked up the number. It came from XXXX XXXX XXXX, who are notorious for attending to collect on " zombie debt '' that has been sold to them and was written off many years ago. I received another call this morning, XX/XX/XXXX,  and again did not answer it. This relates to a small ( less than {$200.00} ) debt that I disputed at the time, refused to pay, and was long ago written off by the company. 

Please inform XXXX that they are legally not allowed to harass me about this matter. I will be sending them a certified letter with return receipt stating the same thing. Any assistance you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX is illegally reporting false information about me on my credit report. They are alleging that I owe a balance but when I attempted to contact them and resolve whatever claim they had, they refused to take any payment from me. I checked my report in XXXX 2017 and XXXX XXXX is still reporting that I owe a balance. I need to have this account removed from my record immediately as it is affecting my credit in an egregious manner. XXXX XXXX appears to have no interest in complying with the Fair Credit Reporting Act or the Fair Debt Collection Practices Act as I have previously contact them requesting proof of this debt numerous times and have not received any documentation or validation to date and they are refusing to accept payment from me but want to report delinquent information about me to the credit bureaus. They are also falsely claiming that I recently paid them {$110.00} which is also completely false and inaccurate.

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 10/13/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NC).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: On XXXX 2017 i received in mail at my mothers address banking check information of account through TD bank i did not open an account onlune wuth TD Bank received checks also linked to this account, i called them immediately out of concern and was advised the account would be closed if i did not open the account, i was transferred tp a fraud department whom advised me this would be taken care of no monies were put in the account but i advised them the person still have my social security number and name to use my information to open online i was advised they would send me something in writing i have not heard anything other than continue to receive statements about this account i am getting very frustrated because of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Payday loan, title loan, or personal loan (Installment loan) with Conn's, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: IN REGARDS TO : CONNS CREDIT CORP : XXXX XXXX XXXX XXXX, TEXAS XXXX ; I SENT A CERTIFIED LETTER RECEIVED XXXX XXXX 2017 BY AGENT XXXX XXXX THROUGH USPS. I REQUESTED THE VALIDITY OF THE 2 ACCOUNT DEBTS THAT APPEAR AS DUPLICATE ACCOUNTS. I KNOW NOTHING OF AS THEY ARE REPORTING. INFORMED THEM THAT IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY THEIR COMPANY DURING THE IVESTAGATION OF VALIDATION WOULD BE A VIOLATION OF THE FAIR REDIT REPORTING ACT. IN WHICH THEY REPORTED A FEW DAYS AFTER RECEIVING MY REQUEST OF VALIDATION TO VERIFY MY PROOF OF BURDEN. I HAVE NOT RECEIVED ANY CORRESONDENCE LETTERS FROM CONNS CREDIT CORP YET. I 'VE GROWN TIRED AND VERY ANGRY WITH THE WAY I 'VE HAVE BEEN TREATED BY CONNS CREDIT CORP. THEY HAVE VIOLATED ALL FAIR CREDIT REPORTING PRACTICES. MY NEXT STEP IS TO FILE WITH BBB, FTC, ATTORNEY GENERALS OFFICE, TEXAS COMPTROLLERS OFFICES AND SO UNTIL THE MATTER IS RESOLVED.

Company response to consumer: Closed with explanation