milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage lender short paid our property taxes. 
XX/XX/XXXX - property tax due date XX/XX/XXXX - property tax short paid by mortgage lender XX/XX/XXXX - property owner notified by county tax department of unpaid balance XX/XX/XXXX - property owner provided written notice to lender of unpaid balance and requested written verification of successful tax payment XX/XX/XXXX - property owner called lender, lender verified receipt of owner 's request to pay balance due XX/XX/XXXX - property owner received marketing call from lender to refinance and take advantage of equity. I requested status update for unpaid property taxes and was transferred to a different attendant who confirmed receiving my request to pay unpaid taxes. 
XX/XX/XXXX - property owner confirmed through county tax department that tax was still unpaid. 
XX/XX/XXXX - property owner contacted mortgage lender for status update. Lender stated that internal departments were processing my request and confirming amount of unpaid balance. Lender stated their target payment date of XX/XX/XXXX. Property owner stated XX/XX/XXXX as unacceptable. Property owner was transferred to escalation department. Lender attendant stated they would attempt to resolve sooner than XX/XX/XXXX and would contact me after 3 days to provide status 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 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I filed a XXXX XXXX XXXX complaint against XXXX XXXX XXXX on XX/XX/2018. I disputed these accounts through Chexsystems and XXXX XXXX XXXX. The accounts came back " verified '' with no attach proof. My filing with the XXXX resulted in XXXX XXXX XXXX producing paperwork of transactions that went on with these accounts. That is not what I requested. I specifically asked on the first line of my complaints for copy of the signatures used to open these accounts so I could compare them to my own. I have never opened accounts without providing my signature and my ID. So, XXXX XXXX XXXX has completed ignored that request and produced a stack of irrelevant papers containing account transactions and refused to delete their damaging and incorrect reporting. According to the documents it seems no money is owed to XXXX XXXX XXXX, but they have listed fraud next to my name in reports with XXXX XXXX XXXX and Chexsystems. If they are suspecting fraud, they should have no problems complying with my demand for validation of signatures and IDs used to open these accounts. I have a right to know whether or not they collected valid identifying information. It seems they are dancing around this and opened these account for someone and did not collect validating documentation.

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 10/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX I disputed a debt with XXXX for {$680.00} as it was referred to collections at IC Systems. IC Systems was suppose to investigate however XXXX failed to respond to them. Even though IC Systems has been unable to validate the debt, they continue debt collection efforts in violation of the law and has reported to my credit.

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 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
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 contacted XXXX credit reporting agency today X/X/2018 to verify that there are no negative accounts reporting on my credit report. I had a few accounts that did not belong on my credit report and disputed them. XXXX did there investigation and it was confirmed to delete the negative accounts. I am very pleased that it was confirmed there are no negative accounts on my XXXX  credit report however upon checking my kohl 's account there is a history code with a number 1 next  to it which means there was a late payment I resolved this issue with kohls directly months ago and it was agreed they would remove that code which they still did not do. Upon speaking with the XXXX  rep I was advised that some of my accounts are not reporting a history code. I was advised to contact the creditors to ask them to please report the history code on these accounts as they are all accounts that are positive and in excellent standing which helps my credit score. I did not get anywhere so I am complaining to the cfpb in hopes of resolving this issue. The accounts that are not listing my history is " XXXX 's card '' I have 2 accounts with them. Another account is Capital One '' I also have 2 accounts with them as well. Another account is my XXXX/XXXX XXXX/XXXX  accounts that are also not reporting the history. All of these accounts on my part are showing as Paid as Agreed Never Late however on XXXX 's part this information is not showing. I was advised if my credit is pulled they will not see these comments. Which would affect me in obtaining credit. I am doing as I was advised by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The required " Debt Validation '' that was requested XXXX 2015 went unresponsive to.By Midland funding. They sought to action court case in one county, which Judge threw out for " Failure to Prove debt ownership '' One year later Debt collector seeks to again collect on debt not validated, Fail to prove the have purchased the debt from creditor, and refused to stop communicating threats to family member 's. MidlandFundingc/oXXXXhas.Thiscompanyhasactedcapriciouslytocollectonadebt, Theseactions alsoviolatedtheconsentagreementFileNo.XXXXbyCFPBadministrative adjudication

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian has a Dismissed Bankruptcy on my credit report, which is a violation Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed Additionally, the following accounts are still listed as a bankruptcy when there was no bankruptcy on my report. All these accounts are being reported inaccurately and need to be removed immediately : 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 02-02-2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Trouble during payment process

Complaint: Re : Rushmore Loan Management Services - Loan # XXXX My mortgage originated back in XX/XX/XXXX. It was originated without escrows for property taxes and insurance. I have always paid them on my own. My mortgage was sold in late XX/XX/XXXX. Subsequently, the mortgage servicing was also transferred to a new company, Rushmore Loan Management Services ( RLMS ). I was able to clear up a crisis early last year in talking with a senior management contact, XXXX XXXX. XXXX XXXX helped resolve several issues that were not conveyed in the transfer to RLMS. One remaining issue NOT resolved is an ongoing escrow issue I can not seem to resolve, and XXXX XXXX is apparently no longer available. XXXX XXXX advised lastXX/XX/XXXX, that I request in writing from RLMS, that they stop requesting and paying my tax bill and cancel my escrow account when they perform their 'initial ' escrow analysis. So, in XX/XX/XXXX after receiving their analysis, I did indeed write online to them via the website asking them to please close the escrow account. They did respond over a month later ( XX/XX/XXXX ) stating they can not due so as the escrow has a negative balance. Not happy with their response, I contacted them last week (XX/XX/XXXX ) and spoke with a customer service rep who informed me that she would send my request to the Escalation Dept. I have yet to hear back from them. My concerns as described to her are as follows : 1. My new monthly payment increased by {$430.00} ( and only includes property taxes, not insurance which I still pay quarterly. ) 2. My property taxes total {$1700.00} annually, this does NOT justify their substantial increase. 3. I CAN NOT afford a {$430.00} increase each month while still having to pay insurance quarterly. 4. I am concerned about potential future foreclosure proceedings without this being corrected to reduce my payment back to the {$820.00} I was paying previously. 5. I am also concerned about my credit record being negatively affected. 6. I am anxious and losing sleep over this issue! Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Mortgage (Conventional home mortgage) with ALTERRA GROUP, LLC (NV).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a loan from Alterra Home Loans at XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, Nevada XXXX on XX/XX/XXXX. The loan took over 8 weeks to close for no good reason. The contract had to be extended 3 times as the lender was unable to close on time. We should have closed on XX/XX/XXXX, but the close did n't happen until XX/XX/XXXX. This loan was contingent on the property 's appraised value. The lender received the contract on XX/XX/XXXX and did not order the appraisal until XX/XX/XXXX. Every time the lender requested documents from me, I provided them within 48-hours or less. The lender has yet to explain why it took them so long to close the loan. As a result of the lender not being able to close until after XX/XX/XXXX, I was charged pro-rated rent charges in the amount of XXXX. I had a 6-month rental agreement with the seller/landlord of the property. The rental agreement expired on XX/XX/XXXX. Had the loan closed on time, I would not have had to pay the XXXX. Per my closing documents, the lender paid the seller XXXX to compensate her for the delay in closing the loan on time. I have sent them 6 request to compensate me as well. I was their customer, not the seller. The only response to my requests came from XXXX XXXX via email. On XX/XX/XXXX, she wrote in an email, " I am out of town. I will return tomorrow and I will speak to the manager regarding your request. '' To date, she has not gotten back to me, nor has she responded to my follow up emails. I advised her that if I did n't get a response from her or the manager XXXX XXXX by XX/XX/XXXX, I would be filing a complaint with CFPB. At the day of the closing, I learned the lender had charged me XXXX to reduce my interest rate. They never said anything about this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I was aware of a computer glitch that was on TransUnion part. My credit inquiries were deleted, and reappeared back on my credit report. I understand that TransUnion had 5 days to notify me and they did n't. I called and the representative was of no help at all and was very rude. I asked to be transferred to a United States rep and was hung up up 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 explanation
Consumer complaint received 09-01-2017 about Payday loan, title loan, or personal loan (Payday loan) with American Credit Financial (CA).
Issue: Charged fees or interest you didn't expect

Complaint: American Credit Financial XXXX, Georgia contact me threatening to come to my place of employment. I have not received anything in the mail these pass two years about the loan from XXXX XXXX. Then all of a sudden I get a threatening message about coming to my job or home being served with papers and going to jail. So due to these threats I was scared about the security of my job so I paid them XXXX by phone. To find out later this place is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have sent Experian numerous requests to investigate accounts in my credit report that are reporting incorrectly and they are not responding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Debt collection (Other debt) with United Resource Systems, Inc (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Original Creditor : XXXX Issue : I do NOT owe the money and refused to pay it. They sent it to collection. It 's now damaging my credit report. 
XX/XX/XXXX : Signed up with XXXX for ONE YEAR. 
XX/XX/XXXX : Sent a letter to XXXX stating that I do NOT want this automatically renewed at the end of the contract. No response. 
XX/XX/XXXX : The contract expired. Sent a new contract via email WHICH I NEVER SIGNED. 
After this I continued to see monthly charges on my credit card. When I alerted my credit card company about the fraudulent charges XXXX could not charge my card any longer and sent me to collection. 
XX/XX/XXXX : Sent another letter to XXXX stating that I did not want this contract renewed and never signed. No response. 
XX/XX/XXXX : Letter to United Resource Systems - no response. 
I attempted to dispute this with the credit agencies without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Payday loan) with Rosen Management Services Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get numerous calls daily from XXXX different numbers that all seem to lead back to the same place, which I believe to be a scam. The XXXX numbers are XXXX, XXXX and XXXX from XXXX women named XXXX XXXX and XXXX XXXX. They do not answer the phone with the name of the company, you have to ask them who they are, they just answer litigation or something of that nature. They give the name of XXXX XXXX XXXX as their company name, but can not find anything regarding that name, except a XXXX XXXX XXXX in XXXX. 
They claim that I owe a debt in the amount of {$680.00} from 2011, a payday loan through XXXX XXXX. I explained to them that I do not owe this debt, I have never taken out a payday loan, and why did it take them 5 years to finally collect on this debt. XXXX told me that since all things point back to my information that I am solely responsible for the debt and can not fight it, or it will be sent to court for collection. I did ask for a debt validation notice or something with my signature showing I signed for the debt. She claimed that she does not have that information and can not get it, that I would have already gotten it from the original debtor. I have asked them not to call me again, as I believe they are a scam! All I have are phone numbers, no address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage company did an escrow analysis in XXXX of 2015 on my mortgage and raised my escrow requirement. They did not notify us that they had changed the amount due for escrow in XXXX of 2015. We continued to send the original amount for the loan. the mortgage company would not process the payment because to them it did not meet the required amount. We discovered in XXXX 2015 that they were not covering the payments. We immediately contacted the company and they informed us that they had changed the escrow and the we were considered behind in our payments. We made up the differences in the account and thought we were good. They then sent an inspection on the house and charged us {$20.00} for that without notifying us that they did the inspection. We ended up paying them by check over the phone just to make sure the entire payment was caught up. It seems like they should not be raising the escrow anyway. We have owned the house for over 27 years and have not missed a payment. Now they have hurt my credit and caused us anxiety over their inability to communicate and their requirement for escrow above what is required for our home.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Other debt) with Orion Portfolio Services, LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Complaint Details : This complaint is in reference to a debt that is more than 7 years old and was written off in XX/XX/XXXX. I contacted XXXX ( company that handles credit reporting for Orion ) back in XX/XX/XXXX and spoke with XXXX and had an issue with her not being able to advise the history of this debt. How can you collect a debt only using the final bill with no billing history? Since then, I contacted the XXXX and the FTC regarding fair debt collection practices as XXXX could only advise the debt was valid, but could not advise how? In correspondence with the FTC, representation from XXXX advised the debt was charged off in XX/XX/XXXX ; meaning it should only remain on my credit report for ( 7 ) years with no money due. I called XXXX on XX/XX/XXXX and spoke with XXXX and XXXX and it was advised that the debt was written off. I called XXXX and spoke with XXXX, escalated the call to XXXX ( her manager ) and they all kept me on hold for over 45 mins with no resolution and much argument. I called back and spoke with XXXX and was advised of my account number. None of the reps could provide me with the history of the account, but I paid it as I'm in the process of purchasing a home and this has negatively impacted my credit report. This account has not appeared on my credit report since XX/XX/XXXX and only two bureaus are reporting this debt. This is against my rights as a consumer to report a debt that is more than 7 years old and I plan to escalate this as no rep could provide me with the history of the debt and only mailed me a statement of the bill with NO explanation of charges ; see attached. When I last had a home phone, this account had credits applied and there was a ( XXXX ) balance. Shouldn't the purchaser of the debt furnish the history along with the bill as part of the debt collection practice. Although I paid this, I am seeking an explanation of charges and for this to be removed entirely from my credit report effective immediately!!!! How can you ask for money and not know how the balance came to be so??? All I received was a bill from XXXX ( attached ) with NO explanation for account # XXXX. No one could provide me with the accuracy of the amount due and kept making false statement regarding the debt in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with Stuart-Lippman and Associates, Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In the past, I had a debt with  XXXX   XXXX . However, in   XXXX  ,  XXXX   XXXX  issued me a 1099 forgiveness of debt form. I had to count th is 1099 as i ncome and pay taxes on it in my   XXXX   tax return. Despite that, the collection agency that is reporting this account to   XXXX   continues to list that I have an outstanding balance of {$7600.00}. They should be reporting the balance at {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit determination

Complaint: In reference to my response from Citi Bank I was contacted by a rep by the name of XXXX XXXX I spoke to hear about my credit card request she promised me that my credit card application would be reacessed for credit card approval. I then call the reacessement line to get a up date only to find out that a credit card application reacessement was not submitted so she lied to me about submitting a request. this is one of the problems of the big banks no respect a bad customer service that lies to customers I am requesting that this be looked into because this only proves my point that these big banks do discrimmate againist minoritys I do n't understand why I was lied to about my credit card reacessement which was never submitted.

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