milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have been approved for loan modification in XXXX XXXX 2016 through Ditech.com. 
They put me on a trail loan modification in XXXX 2016 and told me to " keep paying the trail period of {$1500.00} till till the final loan modification papers come to me and I sign it. '' Now my credit reports say I have negatives mortgage late payment since XXXX 2016. 
Ditech customer service say that " it will go away once I receive my final loan modification papers and I sign them. '' NOTE : I have been approved on the modification in XXXX XXXX, 2016 and this modification started in XXXX 2016. 
I keep calling them every month and it keeps being pushed back. Why if it 's been approved in XXXX XXXX? And it is building up my negatives on my credit reports. 
Please advise of what can be done about them not sending me final modification papers from Ditech after so many call to them and many months of waiting. 

They have actually killed all other mortgage options that are available to me. 

Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: " I esculated the call to the executive office to hear from their representative XXXX XXXX that Wells Fargo is in their right to call anytime after the first of the month as I am technically in default ( delinquent ). This is the first time I have ever been harassed with a collection call on a payment due within the grace period. 

XXXX seemed not to care if I contacted the regulators such as the OCC since the OCC would side with Wells Fargo. Nor was any care about reputational risk from bad media event for harassing a good paying mortgage customer. 

I am asking that this practice of calling customers to collect debt during the grace period stop. ''

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 07-07-2016 about Credit reporting () with Ditech Financial LLC (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX/XXXX/XXXX at approximately XXXX XXXX I called Ditech regarding a credit alert I received from XXXX Credit Monitoring, provided through the Fed Govt, regarding a past due payment of 120 days or XXXX or more payments that had posted on XXXX XXXX, XXXX. The XXXX email was sent to me on XXXX XXXX, XXXX. On XXXX/XXXX/XXXX I noticed a credit score on my XXXX XXXX had dropped from XXXX down to about XXXX which was confusing and concerning so I got on my computer to recheck the CSID email that showed the alert from Ditech XXXX 
When I called Ditech I spoke to XXXX and explained that what I had found on XXXX and that I did n't know who or what Ditech was, XXXX informed me they were previously Green Tree. After pulling up account info they had under my name it had reflected a prior loan that I had with them which was sold back in XXXX XXXX which I had done a short sale on. XXXX had never seen this issue before and put me on hold to ask a supervisor about it. When XXXX returned she informed me that Green Tree / Ditech had updated some previous accounts that had been missed in the past and that mine was XXXX of them. She told me that these updates should not reflect a negative impact or score on your credit, at which point I informed her what started my inquiry into all of this was noticing my credit score drop on my XXXX XXXX XXXX then told me that because this was something unusual that she was going to email my information up her chain to a supervisor so they can get it resolved and make sure my credit has not been negatively impacted. I provided XXXX my phone number and she stated that I should be getting a call back within 7 days with everything resolved. I checked back with Ditech 7 days later and was informed that XXXX had sent my case to the wrong department and it was kicked back sitting idle with nothing being done to resolve the issue. The Ditech representative assured me that she would forward it to the correct department for resolution, I am still wating for a response. 
On XXXX/XXXX/XXXX I contacted XXXX and they informed me that Ditech showed me as having XXXX accounts, XXXX of which was closed back in XXXX XXXX with no outstanding balance and the second account showing active with a balance of {$140000.00} and being 180 days late in payment as of XXXX and XXXX of XXXX. XXXX stated that the second account did show the same loan amount as the first account and stated it looked as if Ditech resubmitted the first account again. I submitted a dispute with XXXX XXXX and XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX I submitted a complaint with this company due to previous disputes about a inaccurate dismissed bankruptcy reported on my credit report with XXXX XXXX and LexisNexis in the amount of {$0.00}, which dates disputed with XXXX were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XXXX were XX/XX/XXXX and LexisNexis. As of XX/XX/XXXXthe new law stated that all new judgements and liens will not go on credit reports unless they have identifiable information. Credit bureaus should begin to remove previous judgements and etc. that do not meet the new standards. XXXX XXXX and LexisNexis failed to remove the bankruptcy off of my credit report in a timely manner. XXXX advised that it were investigated and came back that the Arkansas bankruptcy court verified the information which is a violation of the fair credit reporting act. I never heard a response back from XXXX and LexisNexis never replied with their dispute. I have listed documentation from the US Bankruptcy court that they do not report information to credit bureaus. XXXX followed the new law and removed such items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Closing/Cancelling account

Complaint: Chase has reported to credit reporting agencies that the business credit account with them was " charged off '' while the card were paid as agreed and Chase refuses to recognize that they were not able to accept payments remitted because it was illegal to so do after the credit bureaus INCORRECTLY reported a bankruptcy filing.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Portfolio Recovery Associates sued me in Colorado court without proper notice of a court date or verifying the credit card debt. They told me it was a valid debt and I had to pay and that their " litigation '' department had verified the debt. I ended up paying something like {$7500.00} to them since they garnished my wages and I just saw the CFPB article about Portfolio Recovery Associates illegal activities by XXXX so I want my {$7500.00} refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: BANK OF AMERICA XXXX XX/XX/XXXX {$6300.00} XX/XX/XXXX {$6300.00} CHARGE-OFF {$0.00} This account dates back to XXXX and was charged off more than 5 years ago. Yet, it just got reported on XX/XX/XXXX. There is no reason for this being reported now. Also, when I worked this out with this company they advised me that there would be NO negative credit reporting as I paid a portion of the balance ( see attachment ). This negative entry should be removed immediately. I previously filed a Complaint in connection with this ( Complaint No. XXXX ), and the company responded. However, I just received the attached correspondence and settlement check for a lawsuit against the settling agent dated XX/XX/XXXX.  Clearly I was the victim of a fraudulent scheme by this company and I would ask that XXXX correct my credit report to state that I settled this debt, as it was my understanding that I had done so. This is a negative item on my report through no fault of my own. 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 12-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Accounts sold to other collectors right before it 's to be taken off of my report not to mention they 're all medical bills and are n't supposed to affect credit score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have asked Navient several times for an income driven repayment plan as I do not have a high income. I was told that they do n't have options for income driven and that my only option was to place my loan in forbearance. I felt pressured into forbearance and was told it was my only option for payment if I could n't afford my high payments. I was never told that I could pay portions during forbearance or that I could put certain loans into forbearance and not others. Forbearance has only made my debt worse and I had to take out a loan from a family member to cover the debt caused by forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was settled through XXXX XXXX and I disputed the debt with the company. They were also sent the proof of settlement. They are still holding the account open.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is in reference to CFPB case XXXX. I filed a complaint a month ago in Reference to a State Tax Lien that does not belong to me. XXXX sent a letter in the mail about a previous dispute and named Lexis Nexis as the reporter of the incorrect information. In the previous complaint , LN stated they were suppressing the invalid lien from my report. After this complaint was supposedly resolved, I again disputed the lien with XXXX and once again it was verified by Lexis Nexis, This my last attempt to get this deleted from my report before buying a house before I file with the BBB, Attorney General office in both states, as well as file suit with my attorney here in XXXX, SC

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a Tax Lien on my credit report that need to be removed. 
Reference # XXXX Amount : {$350.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (VA).
Issue: Managing the loan or lease

Complaint: Synchrony Bank has begun charging me interest fees and late charges on my loan with them. I was to have an interest free loan for a number of years associated with my mattress purchase. I set up an automatic payment with my bank. The XX/XX/XXXX payment was made on XX/XX/XXXX because of the holidays. Synchrony did not credit my payment for XX/XX/XXXX, which has thrown everything off in their records, and despite the fact my regular amount payment to them has continued, late fees and finance charges have been building up. 

From my perspective, this is a bookkeeping problem on their end and I have lived up to my end of the bargain. I was apprehensive about this arrangement from the start for fear of being tricked into paying them fees and finance charges. My suspicions unfortunately are confirmed. 

Can you please help me with this? This anti consumer rip off type of practice should not be permitted by this awful financial institution.

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 08/13/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (IL).
Issue: Using a debit or ATM card

Complaint: I have a prepaid Visa card. I attempted to use the card through PayPal and then through eBay to pay for an item under {$500.00} I agreed to purchase on eBay with PayPal. I was not able to do so. 
As a result, I called PayPal. The PayPal customer representative told me that the bank declined the transaction. ( It turns out this was a lie. ) I called the bank that issued the prepaid Visa card. The bank representative informed me that PayPal 's policy was to reject all prepaid Debit cards. 
I called PayPal back to confirm this. The PayPal representative I spoke with said that PayPal 's policy was to reject all prepaid Debit cards as PayPal was unable to verify identity. I asked to speak with their manager. I was placed on hold for 10+ minutes then routed to someone who not a manager, but who I suspect was a grievance specialist. This gentlemen said he could do nothing for me, nor identify me, and I would need to call PayPal back. He did suggest to me that I could use PayPal 's own prepaid Debit Card and I would not have this problem. I asked him to route me back to the original group. He said he could not do this either nor could I speak with his manager.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Mortgage (Conventional home mortgage) with TRUHOME SOLUTIONS, LLC (NJ).
Issue: Trouble during payment process

Complaint: Shortly after re-structuring my monthly mortgage payments, I received a notice without warning or explanation indicating that my mortgage would be increased by approximately $ 400 monthly due to an adjustment in my escrow account. TruHome Solutions could nt explain why my escrow needed to be adjusted as neither my taxes nor my home value had changed. During this process I renegotiated my insurance premium and used the difference to pay off the shortage in my escrow as reported by TruHome Solutions, however, I had still not received an explanation for the drastic increase. After making payments and paying down outstanding escrow balance, TruHome reported that the reason the escrow was raised was because I missed a home owners insurance payment and they were forced to make the payment for me. I indicated that this was absolutely false and requested a refund of my lump sum payment as well as adjustment in my monthly payments back to the agreed upon re-structured monthly rate. Additionally, I noted that during the process of reconciling my mortgage balances, that TruHome inaccurately reported my mortgage late with credit reporting agencies. I 've asked repeatedly for this to be addressed as well to no avail. TruHome has repeatedly demonstrated irresponsible handling of my account, erroneous reporting, and mismanagement resulting in a devastating impact on my credit rating..

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Payday loan () with Allied Collection Services, Inc. (Nevada) (CA).
Issue: Received a loan I didn't apply for

Complaint: On XX/XX/XXXX Allied Collection Services located in XXXX NV, added four accounts to my credit report. I called and reported to them that the accounts are not mines and I 'm a victim of identity theft since XX/XX/XXXX. I had to file bankruptcy just to clear my name. I 've emailed my bankruptcy paperwork to them so this matter can be cleared and nothing has happen.

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 02/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent Equifax a certified letter on XX/XX/XXXX, stating that i was never notify of a few bills that was on my credit report. I discovered this by pulling my credit report.I realized that the bill was mine however, I was never notify of these bills prior to them being added to my credit report. I disputed them with Equifax informing them that I was never given the proper notification from the creditor. I received a letter from the Equifax on XX/XX/XXXX it stated that we verify these items have been reported correctly. This creditor has verify to our company that the balance is being report correctly on all the XXXX XXXX accounts. I never disputed for them to verify the account or verify the balance, I disputed I was never notify of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with Credit Karma, Inc. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have been working diligently to repair my own credit. My credit score was XXXX two weeks ago, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My wife and I share the shame credit cards, and her scores are going up. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good, it dropped my score XXXX point because of this good utilization. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in a couple of weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing Credit Karma which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. Credit Karma stated that I did nice work by getting my balance down, and with that they minus my credit score XXXX points for doing a great job. This is unethical please see attached picture of this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Debt collection (Medical) with Tri-State Adjustments, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been hounded by XXXX of XXXX, XXXX whom I revoked permission to supply XXXX supplies in XXXX. 

I received a collection notice from XXXX XXXX in XXXX, XXXX for a XXXX XXXX, XXXX shipment of supplies I never received. The debt verification statement contained information violating my HIPAA rights. A follow up letter of XXXX XXXX, XXXX contained my demand for proper verification, which XXXX did not respond to since they were unable to verify my receipt of the items. 

I now received a collection notice from Tri-State Adjustments of XXXX, WI. for items supposedly sent on XXXX/XXXX/XXXX. I responded to Tri-State advising them of the XXXX attempted collection and included a copy of my letter to XXXX stating what proper verification would be. 

What I received back, was a bare statement from XXXX XXXX XXXX. No information of how the items were sent or proof of receipt of the items. 

What the statement from XXXX XXXX XXXX does show is a shipment on XXXX/XXXX/XXXX to an address that I moved from on XXXX/XXXX/XXXX. 

Not only is XXXX, XXXX and Tri-State harassing me for items not received, items XXXX was advised to no longer provide but items they sent to an incorrect address. 

These items were not received and XXXX XXXX XXXX will not even provide shipping details with receipt of delivery. If these items were sent via uninsured or via non trackable means, failure to deliver does not make me responsible for the cost of the items. Had they been properly sent, perhaps they would have been advised that I no longer lived at the address to where the items were sent. 

In addition, the debt was reported to the CRA 's prior to any notice being provided to me.

Company response to consumer: Closed
Consumer complaint received 04/16/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Credit card protection / Debt protection

Complaint: XXXX has been charging my account with a " Debt Protection '' fee I never even signedfor. I have been a card holder since XX/XX/XXXX, and was shocked that XXXX would allow these unauthorized charges on my account. Today, i called the XXXX provided on my statement, and neither XXXX of the XXXX representatives i spoke to could give me a confirmation, proof, anything, of how i was being charged for this " optional service fee ''. I asked for cancellation right away, and they could not even give me a confirmation # for that. A girl named XXXX, who was the XXXX XXXX i spoke to, mentioned it was an optional service and that i was somehow signed up since XX/XX/XXXX!!! She tried to explain the " benefit '' of the service, but i was clueless as i have never, nor will ever, even consider such an option to begin with. She stated she would transfer me to another line to cancel, which i was redirected to a guy named XXXX, XXXX. He could not give me any direct answers on how this service was authorized, and mentioned he would cancel it today ( XX/XX/XXXX ), and that i would be " REFUNDED '' any charges dating back to XX/XX/XXXX. He mentioned within 30 days, i would receive a letter, or that the refund should show up on my XXXX account, if not, to call back and speak to a rep again. I purchased a washer and dryer last year On XXXX XXXX, for my new home, and since then, for every month, they have been charging this fee. It started with a " debt protection '' fee of {$20.00}, and has gone up EVERY MONTH since now to {$59.00}!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief