milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am filing this complaint against DiTech and the late reporting to the credit bureaus. As I previously stated, I have tried on dozens and dozens of times to reach a DiTech representatives to discuss the matter, never to receive a call back or an explanation regarding the issues surrounding my account. The following is a list of dates where I left messages for DiTech representatives : XXXX at extension 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, and XXXX/XXXX/XXXX. 
XXXX XXXX extension XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX she stated she submitted a verbal dispute, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. 
XXXX XXXX ( manager ) x 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, and XXXX/XXXX/XXXX. 
XXXX x XXXX - I spoke to her on XXXX/XXXX/XXXX and she said she would have an account manager call me back. I tried reaching her several more times after I did n't get a call and could never get through to her again as she had no voicemail set up. 
XXXX XXXX x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX x 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, ( now, no longer with the company ) XXXX x XXXX : XXXX/XXXX/XXXX stated a supervisor would call me back, No call back. 
XXXX Customer Service stated XXXX x XXXX just acknowledged his email and would call back that day. I never heard back from her. 
XXXX x XXXX : stated my account issues go back to XXXX XXXX XXXX? really? 
XXXX x XXXX : XXXX/XXXX/XXXX stated he would review my account and call me the next day. No call back. 
Due to lack of communication from DiTech, and the fact that I tried to discuss my account with numerous representatives to find out where the discrepancies were, they should immediately remove the late mark from my credit report. THE FACT THAT IT TOOK SO LONG TO WORK THIS OUT IS UNACCEPTABLE! The constant different information from different representatives is also unacceptable! My persistence is the only reason we are now at the point that we are. 
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 01/20/2017 about Debt collection (Credit card) with WELLS FARGO & COMPANY (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection letter saying that I owe {$260.00}, from an outstanding debt with wells fargo in a checking account # XXXX which was transfer to XXXX XXXX XXXX XXXX XXXX. I have not had a checking account with them only credit account which are paid and closed. I contacted wells fargo directly and they said that I do not have a balance with them, also I check my credit report and nothing shows up.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collection bill via a collection agency called XXXX XXXX XXXX XXXX . They claim I owe {$250.00} to XXXX as of XXXX/XXXX/XXXX. However, I do not have a XXXX account. The bill itself looks sketchy. 

The bill says to send payments to this address : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, WA. XXXX The return address on the envelope is different. it is : 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 explanation
Consumer complaint received 07/26/2017 about Mortgage (FHA mortgage) with BB&T CORPORATION (MD).
Issue: Struggling to pay mortgage

Complaint: I was working with BB & T Mortgage to modify the payment on my home. I am afraid to loose it. They asked me for my income and I sent it to them. On XXXX XXXX, 2017, I was told by their representative that the loan is under review and no other documents were needed. I call on XXXX XXXX, 2017 and now they closed and denied any assistance because my pay stubs do n't have a year to date total. I went over my pay stubs with them and they told me they were received and in fact they do have year to date totals and unfortunately my loan is denied because the single point of contact or case manager did not read my pay stubs properly. They stated they will not open it again and mean while, I am in dire need of assistance and I may loose my house for their negligence in reading pay stubs.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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 have send to XXXX,XXXX and XXXX, to remove this studetn lona or update, this was not remove due to bacnkcrucy, we all know student loan cant be remove with that, i have pay this and send them proof, even like that they live this ask discharge on bancrulcrucy, this was pay from my bank account. please update.

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 02-06-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My monthly payment for my XXXX Store card was due yesterday on Sunday, XX/XX/2018, and so I went to my local XXXX 's store and made a payment in-store using my debit ( ATM ) card. These payments are supposed to process quickly, and the receipt provided includes the following statement : " Payments made today will be credited as of today. '' And indeed, my bank account is showing that the {$50.00} payment was withdrawn and posted from my bank account the same day - XX/XX/18. However, today, more than 24 hours after the payment, my online XXXX 's account does not show any payment but instead, under " recent activity '' its shows a late fee that was charged on XX/XX/18, indicating non-payment. There is no record of my payment made yesterday. Where did my money go? What this suggests is that XXXX had already pre-coded my account for a late fee before the due date, and so there was no way to avoid a late fee even when I paid on time. This is not right. I contacted XXXX Card customer service by phone and the agent told me that she " couldn't answer questions '' about this issue. I asked to speak with her supervisor, and 40 minutes later, a supervisor came online who told me that the message printed on the receipt was not in fact true - that payments day 1-2 days to post and during this time, they can charge late fees.This doesn't line with up with their payment policies however.

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 09/20/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I recently received a credit card From XXXX XXXX and the legal information on the back of the page with my card says that " Under Federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact Equifax : ... '' Listed after this are the phone number a mailing address and a Website. I tried by phone and via the Website and I was unable to get a free credit report. 
The Website has a section entitled " Reason for Credit File Request '' of which none of the responses matches the exact nature of my inquiry and none that I tried because they are close, will produce a free credit report. In all cases, my only option is to pay for the report. 
I attempted by phone and after going through all of the prompts I was taken to a busy signal. 
If I am entitled to the report by federal law I believe they are violating that law.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Deposits and withdrawals

Complaint: I had deposited a check for XXXX and Hsbc had taken and kept My deposited money refusing to give it back

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (TN).
Issue: Account opening, closing, or management

Complaint: I was told if I opened an account that after I put in {$500.00} by a certain date I would receive {$100.00}, and after {$2000.00} I would receive another {$200.00}. I opened by account in XXXX. On XXXX XXXX I met the {$2000.00}. I was told I had 8 weeks before I would receive the money. I never received the money by XXXX XXXX. I went to the bank that I opened the account at and was told I met all requirements and should have the money by XXXX XXXX. After the XXXX I called sun trust complaints department and was told I had someone working my account. A couple days later I was called and told that I was supposed to open XXXX accounts to receive the money. This is not what I or my sister were told when we XXXX opened our accounts. I have another witness besides her that was in the office when i opened the account. We were never told that we had to open XXXX accounts. She has already gotten fed up with suntrust and closed her account, going back to XXXX XXXX XXXX. I now have XXXX complaints with the bank because it has been over two weeks since I have heard anything from the bank and over a month since I was supposed to receive the money. They act like they do n't even care. Even if there was suppose to be XXXX accounts opened, they should honor the {$200.00} they promised me. It was the the bank 's fault, not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Credit decision / Underwriting

Complaint: I have asked for months and months to have the statement " Account in dispute '' removed from my credit bereau reports. My account is not in dispute and this statement is preventing me from moving forward with other aspects of my life! Years ago there was an error with my SSN, so I sent them a copy of my social security card and ID so that they could update their system. This should not have caused them to still have this statement on my report as it had NOTHING to do with my ability to pay my loan! No one speaks english and no one undersands what I need. I have received letters and emails of proof that my account is current ... .THAT IS NOT THE ISSUE!!! I need them to remove that statement IMMEDIATELY. It has been years and that is unfair to me whenI am not disputing anything. They need to report appro [ riately. Thank you for any help on this!

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I lease my unit ( XXXX XXXX XXXX XXXX XXXX ), with the options of either 8 months or 12 months w/1FREE month ( as per XXXX XXXX-Asst. Mgr of XXXX XXXX XXXX XXXX. ). The contract was supposed to be corrected to XX/XX/XXXX - XX/XX/XXXX ( As per XXXX XXXX 's confirmation email/call ). XXXX kept pushing for me to do a 12 month lease ( w/1month FREE ) and she confirmed that it was my decision to extend to 12 months during my tenancy-if I chose. Upon my move in, XXXX told me I would just need to put it in writing and inform the rental office if I chose the XXXX opt, to receive my 1 month FREE. It was not until much later in my lease term that I found out XXXX XXXX was arrested for child abuse and incarcerated. At XXXX point I did consider extending my lease to a 12 month term, but in XX/XX/XXXX I found mold in all of my window seals upon my return home for XXXX. I requested maintenance to rectify this matter ( though they never showed up until after I departed for XXXX ), and I got very sick. I had to travel to XXXX and I did not return home until XX/XX/XXXX, only to find a reoccurring episode of more mold growth in my windows. Therefore I chose not to renew my lease upon my departure XX/XX/XXXX. I sent notice to management XX/XX/XXXX, stating my intent to move at the end of my lease, as I gave notice XX/XX/XXXX and in person the XX/XX/XXXX. Only then XXXX XXXX - property manager began falsifying the required notice for move out, threatening to sue me if I moved XX/XX/XXXX, and she confirmed that my 60 days will be up XX/XX/XXXX. Proper notice by law requires a 30 day notice at the end of the lease. There was a high turnover rate at this apartment complex due to the mold infestation numerous break-ins lack of security and other problems as reported on the Internet into XXXX County XXXX XXXX XXXX officials. Also a new apartment complex opened across the street from the haven in which we the tenants sought residency. This is nothing more than a desperate attempt to gain revenue and forced me into a longer lease term. Noteworthy I was living in the unit in XX/XX/XXXX, but no court action was ever filed seeking unpaid rent or eviction. I requested an exit walk-through that the rental office ignored and refused to show up, which I videotaped had an inspector out and I took photos of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Advertising and marketing

Complaint: Misleading and fraudulent marketing of thresholds to earn a reward. Was supposed to spend a certain amount in one year period following account opening. I spent the required amount however the company changed the timing such that a material amount was left out.

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 01-06-2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Account opening, closing, or management

Complaint: SunTrust violates Section XXXX of the Federal Trade Commission Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ) by engaging in unfair billing practices related to incoming wire transfers. SunTrust disclosures do not fully inform customers of the {$15.00} incoming wire transfer fee and marketing materials furnished to the consumer on account opening do not disclose the service fee. 

On XXXX XXXX, 2016, SunTrust charged my checking account a {$15.00} service fee for a domestic, incoming wire transfer ( Fedwire ). The size of this service fee is excessive, causes substantial injury to consumers, is not outweighed by the benefit to consumers, and the consumer can not reasonably avoid the injury. 

The consumer can not avoid injury because they are not made aware of the service fee ahead of time and SunTrust exercises complete discretion is setting the charge. Please see the bank 's email message to me ( attached ). SunTrust writes, " All service charges depend on banks [ sic ] discretion. '' Allowing SunTrust to impose charges based its " discretion '' is arbitrary and capricious and unfair to consumers - particularly when that discretion is not clearly communicated to consumers in marketing materials and annual disclosure statements. Additionally, such discretion increases the risk of disparate impact and illegal discrimination. 

Please investigate SunTrust for violations of Section XXXX of the FTC Act as it relates to " discretionary '' service fees charged to checking accounts.

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 03-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: First contact was via phone on XXXX/XXXX/XXXX to inform them that I was denied a credit line XXXX XXXX, XXXX and that I have pulled my reports from all three bureaus to find fraudulent accounts opened in my name that are now derogatory. They instructed me to fax the documents to XXXX. 
I faxed the following documents : FTC ID Theft Fraud Affidavit City of XXXX Police Report I contact Equifax on XXXX/XXXX/XXXX to see if they have received the documentation. They informed me that they have not received the documents. I asked the rep to confirm the fax number to ensure I had the correct fax number. The rep confirmed it to be correct. I told the rep I 'd fax the documents again. 

I waited a few days an called Equifax on XXXX/XXXX/XXXX. They confirmed that the documents were received and that they started processing on XXXX/XXXX/XXXX. The rep gave me a confirmation number and told me the process can take up to 30 days. 

On XXXX/XXXX/XXXX, I received an email that the processing was completed. I reviewed everything to find that the XXXX Account ( Mortgage Fraud Account ), a few addresses, and inquiries were not removed. 

I immediately contacted Equifax to find out why and when speaking to a rep I found out that they are are still processing it. She insisted I contact XXXX. I explained to her that I did and found out they do not have a fraud department nor would provide me with the lenders direct contact information. 

I then sent certified mail with return receipt to Equifax on XXXX/XXXX/XXXX which contained a letter to update my personal information to the correct information, block the fraudulent accounts, remove inquiries due to fraud ID theft, to inform all creditors that issued credit in the past year that I am a victim of fraud and ID theft, and to remove me from all promotional mailing lists. The letter included the following : A copy of my passport ( Govt issued ID ) A copy of my car insurance statement ( To verify my address ) A copy of the FTC Fraud ID Theft Affidavit A copy of the Police Report A copy of the FCRA I did this to ensure that they had all documents to perform all the things requested and to understand that it is my consumer right to request this. 

Equifax received letter on XXXX/XXXX/XXXX. 

I called Equifax today, XXXX/XXXX/XXXX, to get an update. The rep told me that the items were removed. I told her I had an Equifax membership for unlimited report and score. I pulled a new report and score while she was on the phone. I explained to her that they fraudulent information is still there. I also explained to the rep that it 's been over 30 days and that TransUnion received the same documentation and was able to rectify the errors on the report immediately. The rep then offered an a promo code to purchase all three reports and scores at a discounted price to get exactly what is sent and seen by creditors. I declined the offer and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (FL).
Issue: Trouble during payment process

Complaint: In     XX/XX/XXXX  (  XX/XX/2016  ) I had request ed again ( I do not have a date of the previous request ) tha t PNC applies my  extra payments to principal rather than advance the due date and taking their interest. I would like to reduce my principal and pay less interest. I had to call again today because they have not been doing this and instead they are taking my money. Now they also have messed up my escrow account and are saying I owe an extra {$660.00} rather than the {$110.00} which is the amount my taxes went up. I understand I owe my taxes through escrow and am happy to pay however it should be accurate.     I called today and was refused a supervisor when I requested because the agent could not understand that {$110.00} and {$660.00} was not the same and she could not or would not tell me my payment amount that is due in less than a week! I guess since they have to correct the mistakes they made she could n't tell me so I do n't know what to pay and  may  not face a late fee because they made a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi i sent letters with the past three month to all three credit bureaus and have not got back any response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: i was a victim of identity theft and i noticed a hard inquiry from amex on my XXXX report.ive tried to dispute those but they refuse to remove it. It is hard for me to aquire credit due to those inquiries i demand that they remove them. Those Inquiries were not the dates stated XXXX/XXXX/15 and XXXX demand they be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on my new home on XXXX/XXXX/2015. I was informed at the closing myrate was 4.1 %, this was not the APR. Just last week I received a " temporary '' coupon from Caliber Home Loans, no amount to be paid, very little information. 
Today, I received a more official payment request, but again NO APR % rateon the form. When I called Caliber, they did not know what I was asking forand basically disconnected the call. I believe the APR rate should be includedon all documents relating to this mortgage. Why is the company being sosecretive about this number. Do n't I have a right to know?

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Student loan (Non-federal student loan) with LOAN TO LEARN (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Years ago this loan company deceived into thinking I had a lower interest rate than what I really did. They " compared '' federal rate with their rate when in reality they were compiling them. Months later after paying every month on time and more than required I looked at the balance and saw it was not going anywhere. I called to see what had happened and they said they applied the money to interest that had not yet even been accumulated. This is when I realized all they had done. I tried to change their rate and fix the payments and they would not budge despite deceiving me. So I stopped paying and they sent me to a collection lawyer. They refuse to close the account and settle up with me.

Company response to consumer: Closed with explanation