milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: CFPB, this is the third time I am having to submit this complaint against Ditech/Green Tree. My second attempt to file a complaint against this unethical mortgage/collection company, was verbally taken by one of your CFPB representatives. I made it specifically clear to him in XXXX of XXXX, that my second complaint was to clearly dispute Ditech/Green Tree 's unacceptable reply to my original complaint filed through you, CFPB, in XXXX of XXXX. 

The corrupt unethical business practices that Ditech/Green Tree conducted against me, as well as thousands of homeowners, has been well documented for years - subsequently with a class action lawsuit against them that was settled. I am definitely involved with the abusive, unethical business practices that they conducted against us, the homeowners. I began having issues with Ditech/Green Tree around XXXX when they purposely stopped taking my payments ( claiming never to receive them ), illegally added late fines, stopped taking my phone calls when I repeatedly filed for a home modification, repeatedly endured unethical unprofessional-ism by most of their representatives with XXXX XXXX making a completely insensitive comment regarding my XXXX father, repeated lies of not receiving my paperwork, etc. etc. All of this ... all of their unethical business practices caused me great personal damage! Aside from demanding all of the late fines they implemented to my loan, I want compensation for all of their abuse! I am owed financial compensation! Their reply to my first submitted complaint was a generic reply ; stating that they had worked with me in trying to give me a modification. Lies! They purposely conducted their unethical business practices, THAT FORCED ME TO FIGHT FOR MY HOME. They subsequently sold my loan to another mortgage/collection company - XXXX XXXX XXXX XXXX XXXX to get out from under my complaints against them! 

I want and am legally owed significant compensation for their blatant unethical business practices conducted against me - as well as all of the personal injury ( financial, health, personal issues ) factors that I had to endure. RETURN MY MONEY YOU ILLEGALLY ADDED TO MY LOAN BECAUSE YOU PRACTICED UNETHICAL BUSINESS PRACTICES! 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Settlement process and costs

Complaint: I asked for a loan Modification ... .has paid the trail period a few times ... But the loan interest is still high and the payments not as good as XXXX and otehr banks ... THey are not discountqsing THe Obama XXXX discount of {$100000.00} per mortgage ... loan ... Iasked for a modification agreement not a lien modification agreement ... .We both must agree on something and erase all the arrears since this loan is a toxic loan, given up from XXXX XXXX They should give what the consumer can afford ... SPS servicing can only erase {$300.00} or less on d payments infact other banks and collection agencies drop to {$800.00} less and up to {$1000.00} less from current payments ... because they dropped their interest up to 2 % a year for 5 yrs..then it goes up..after five years of payments ... we want to resolve this issue ... immediately, they are forcing me to sign ... a contract that I am not happy and still high..monthly payment ... Thank You ... XXXX or XXXX XXXX XXXX ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Medical) with CL HOLDINGS LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have never damage XXXX and XXXX to which I have spoken to and they said that they paid this bill. I should a Of the no medical bills on my credit report for they are all paid for by just insurance100 per cent

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Contacted Legal Collection Agent to notify them a credit collection alert was place on my credit report fraudulently through Hunter Warfield. The collection has been settled and paid in full in the amount of {$150.00}, agent was suppose to send receipt and documentation that there will be no collection account reported on my credit report as it has been settled. Collection Agent stated she will fix the error and will send to all credit bureau to get removed. She stated it will usually take 7 days for credit agencies to refresh after she sends out the electronic request. Hunter Warfield never notified me of there mistake, nor apologize for there error they caused to my personal credit profile. With the collection/late added on my report, my FICO score dropped nearly 30points. We just recently purchased a new vehicle and higher interest rate offered could have been the root caused by Hunter Warfield 's error in reporting my account. Now I am stuck with the lower tier rating with a higher interest auto loan rate. Please have error fixed immediately so that we do not have to escalate further with our legal rights.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (NJ).
Issue: Shopping for a loan or lease

Complaint: I applied for a personal loan through Lending Club and received an email stating I was not approved on the XXXX XXXX XXXX. On XXXX XXXX I noticed that my XXXX XXXX XXXX XXXX account had an additional XXXX. I checked my email again, and on the same day Lending Club approved my loan. I called them immediately and informed them that I did not want the loan and was informed that I had to pay it back and the interest which included a XXXX fee. If you would look at the document, the email states pre-approved to not approved on the same day. After, the denial I assumed the loan process was invalid yet, the deposited the money into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (I do not know) with Harris & Harris, Ltd. (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: CALLED ME ON CELL 7 TIMES, MY SISTER 2 TIMES AND MY MOTHER 11 TIMES. 

WENT ON CREDIT REPORTS. WITHOUT APPROVAL HARASSMENT AT ITS BEST AND ILLEGAL!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My divorce was finalized XX/XX/XXXX after 30 years of marriage. I filed my own divorce surrendering everything and all debt to my husband due to no money after being bankrupted in a custody battle over my XXXX granddaughters in my care through CPS. I have been targeted with unbelievable cyber XXXX destroying 78 computers, my online identity and ability to work or attend college without harassment. I have mailed my final devorce decree to all agencies and they will not separate my file removing all my ex 's debt. He has the house. I am in shelter with my mother attending college. All bad debt was placed in my name alone and sued twice by XXXX XXXX for debt that was originally applied for joint. I cant establish new credit because the debt ratio does not line up with my income with his debt on my file. I need a separate file in my new name. I only have {$450.00} student loan and a XXXX XXXX joint with my mother with a XXXX balance. I have filed over 100 police reports of the cyber XXXX and ignored. I just tried to sue the FBI to have them document my case and DENIED by the judge to sue as pauper. I have sent letters for help to XXXX XXXX, ic3, President Trump and every agency over the past 6 years. I was just accepted in XXXX School with a XXXX GPA and not able to attend because of the extreme technology interference. I have a perfect clean background and a XXXX grandmother that has lost everything and blocked rebuilding credit, finding employment and getting a degree.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have called and mailed all three agencies to remove tax liens from my credit report and a judgement that was paid and ex husbands liability and was resolved over 2 years ago. 
Please have XXXX, TransUnion and XXXX remove this from my credit report and rescore my credit. 
Thank you! 
The Consumer Financial Protection Bureau said the federal regulator had received roughly XXXX credit-reporting between XXXX XXXX and the end of XXXX. A CFPB report issued early this month said many consumers complain that nothing changes when they dispute items in their credit reports, even though federal law requires the credit-reporting companies to conduct a reasonable reinvestigation and update the data to show necessary changes or delete the item.

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 12/23/2015 about Consumer Loan (Vehicle loan) with OCWEN LOAN SERVICING LLC (TN).
Issue: Managing the loan or lease

Complaint: XXXX, the car is financed by gmac I submitted the paperwork by my insurance adjuster the estimate and the check to be signed by gmac to get the car fixed it has been over three months with more conditions to get the car fixed, the refuse to send me my original estimate

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Auto) with Upstate Collection Center, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In early 2016 I contacted Upstate Collection Center for an amount due on an account I had with the bank. The bank told me they sold the account to them. I spoke to a lady named XXXX XXXX who was in charge of the account. I informed her that I wanted to settle the account and if they would take {$1500.00} to settle. She told me call me tomorrow and I will see if the bank will take that amount, which I found weird because the bank told me that they sold the account to them. When I called her the next day she said we can settle for XXXX that is what the bank is asking for. I told her ok let me see if I can get the rest. The car in question got into an accident and was total. I went to the bank reported the incident and they advised me to call upstate collection center pay the amount we agreed upon to get the lien off the car. I called XXXX XXXX and asked her if the settlement amount was still the same XXXX, she responded yes so I told her that a gentleman named XXXX was going to call her on Friday and pay the XXXX. She stated fine not a problem. On Wednesday the insurance company called to resolve the issue and another lady answered the phone and stated that I was being billed the full amount because I did not tell her that the car was total. I said your just the collection agency collecting a debt, not the bank, the bank is the lien holder not them. I asked to speak to XXXX XXXX and she refused. I told her that we made a settlement agreement and the insurance company was going to pay them and she stated well since they are paying this is the way it is we are charging them the full amount. I told her 4 days ago I was paying and it was XXXX, her response was too bad that 's how it is like it or not. If you want the lien off you have to pay the full amount. This whole conversation taking place while XXXX was on the phone, they were shocked, I was shocked and beside myself. XXXX decided to put the account on hold until they come to terms with the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: XXXX & XXXX XXXX had a judgement issued against them from Wells Fargo, after XXXX lost her job. We contacted the Clerk of Court in XXXX County NC and was told to make a payment monthly. We have made payments since XXXX, never hearing anything from the bank or the attorney. This year XXXX XXXX my husband retired and we rolled his pension over to an IRA with Wells Fargo. We also kept {$27000.00} into our Savings for XXXX and home repairs. The money was deposited on XXXX XXXX, XXXX to both accounts. On XXXX XXXX, Wells Fargo withdrew {$7200.00} from our account for the judgement. We went to the local Branch in XXXX XXXX NC, to file a dispute on the withdrawn of the monies. We contacted Clerk of Court and was advised we had paid every month and they were unaware the bank to do this and encouraged us to file a dispute. The Bank Manager made a call and left a message to a member of the Collection Team ; the dispute was not filed and call from the Bank Manager or Manager of Collections. We were told the payments were to little ; in two years we had no communication from the bank or attorney. We were never notified to increase the payments. When I talked to Collector after the withdrawal, I was told the she keep seeing money come in our accounts. I have serious concerns that any one can access our account at anytime if you are a Bank Employee. I find this very unprotected and open to all. We have been told this was not allowed, if payments were being made. We should have been offered to increase our payments. This money was withheld from his pension for Medical Reasons and we are on a fixed income. My husband is a XXXX Veteran and was retired on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: Equifax refuses to remove these fraudulent accounts with these horrible collection agencies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, off of my credit report. Ive notified Equifax multiple times those accounts are not mine. My information was stolen and used to open those accounts without my permission. Ive reported the same information to XXXX and they did their job and removed those fraudulent accounts off of my credit report. That 's real, true customer service with honor! I demand Equifax remove those accounts from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is XXXX social security numbers listed in my report. It will not let me dispute that it is not mine. It is my XXXX year old sons social security number.

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 10/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My main concern is that Nationstar Mortgage is not my creditor nor the holder of my mortgage. Nationstar Mortgage is filing forged documents with my Recorder of Deeds ( Mortgage Assignment ). The assignment has been proven fraud and to make more insult of this situation, they have charged my alleged mortgage account for the filing and completing of the charges to file the forged assignment. The entire mortgage from inception was a sham and we just recently received information from the XXXX settlement that state that there is no way that the loan was originated with XXXX XXXX XXXX XXXX. I have provided this proof to Nationstar Mortgage and yet they continue to send me billing statements claiming that I owe a mortgage to them by way of assignment from XXXX XXXX XXXX XXXX. They even threatened foreclosure on my home without any right to collect but the evidence that I provided the court made Nationstar Mortgage mark that case settled, discontinued and ended without prejudice, so that they can now go back and create more fraudulent documents to probably start again. This company is violating debt collection rights and other offenses. I asked this company to provide my original paperwork and they even forged that information ; on their forged original application it states that we are both white and I am XXXX and my husband is XXXX. I am submitting a copy of all forgeries for your review. This company has also offered me an illegal payment plan including a new mortgage agreement which they would not be entitled to payment for. I asked for a copy of their business records and even in the records are transactions that say advise to call XXXX to create a mortgage assignment. The records also include a line saying that they are aware that the title is corrupted and that the assignments are fraud. I asked them to provide an original copy of the note and mortgage and both were forged and the mortgage even shows a different return to address, different signatures and initials. They were even so sloppy that they put part of the notary seal on opposite sides ( compare the mortgage fake document to the mortgage recorded mortgage to see the forgery ).

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent in a multiple inquiry letter more then once to Equifax trying to get these unauthorized inquiries off my credit report because they are unable to verify the inquiries and I have contacted the creditors to make them aware they are fraudulent and they referred me back to the credit bureau and I am tired of getting the run around and just would like them removed off my credit report. I am trying to buy my first home and all these inquiries do not look good with the lender XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Private student loan debt) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I cosigned a student loan thru Citizens bank for my daughter XXXX XXXX and 2 years ago she defaulted on the loan and it was sent to XXXX XXXX XXXX. My daughter has been paying to the debt collection agency but missed a payment inXX/XX/XXXXand she called XXXX on XX/XX/XXXX because she hadn't gotten a check from her work. Subsequently she called and left a message that they could resume debiting her account for the missed payment. I don't know what happened after that but I was told by Citizens that she missed the payment in XXXX and XXXX was not paid. On XX/XX/XXXX I went to check my checking account which is thru Citizens and XXXX had been taken out of my checking and XXXX? out of my savings on XX/XX/XXXX to settle one of the owed amounts. I called the bank thinking I had been hacked and that is when i found out about a closed account from XX/XX/XXXXand was given the number of the account and was told to go to the branch. I went and that is when I found out what it was about and that all of my money was gone. I never received a phone call or a letter about the missed payments. I am currently paying 3 of my daughter 's loans thru XXXX and have never missed a payment. My daughter has her own bank account but not thru Citizens and she had {$6000.00} in her savings but instead of going after her they decided without any communication to garnish my checking and savings. I am currently unemployed as my entire department was eliminated in XXXX and this presents as a financial burden for me. Subsequently, I received a letter ( attached ) dated XX/XX/XXXX on XX/XX/XXXX of her still outstanding balance on her other loan that XXXX has seen sent to a law agency. On the letter it distinctly says that " we have not been retained to file a law suit ''. They never sent a letter concerning the XXXX? and per Section 809 of the Fair Debt Collections Practice Act, the agency must give me 30 days written notice after which they can file a lawsuit and only after winning a judgement can they garnish my account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Advertising and marketing

Complaint: I am deluged by credit card offers from Capital One. This unwanted junk mail is a source of great irritation and needless inconvenience as I have to shred the unwanted solicitation. And this continues despite having requested the Credit Bureaus and Capital One to have my name removed from such solicitations. I would like CFPB to impose harsh penalties on such banks who refuse to comply with customer requests to cease soliciation

Company response to consumer: Closed with explanation