milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2016 about Mortgage (FHA mortgage) with CORELOGIC INC (WA).
Issue: Settlement process and costs

Complaint: The following is an email I sent to Corelogic explaining the situation and requesting for our funds to be refunded immediately : I have attached all the documentation for my escrow shortage. The first document is my escrow analysis showing a payment of {$1500.00} on XXXX. The next document is a copy of the check that Corelogic sent. The next document is the XXXX statement from closing showing a payment on the very last page of {$1500.00} for XXXX half taxes. The second payment from Corelogic was received at the County on XXXX/XXXX/15 and the XXXX XXXX XXXX was received on XXXX/XXXX/15. So, there was an overpayment of {$1500.00}. There was a letter sent to Corelogic asking for direction on where the refund should go and I have attached the refund request letter from XXXX XXXX XXXX. The County stated that Corelogic processes XXXX XXXX XXXX 's taxes for them. 
I need this refunded ASAP. My escrow is showing a shortage and my monthly payment on my loan has gone up almost {$300.00} per month due to this error. I ca n't afford the additional payment so I need this figured out right now. I have been trying to resolve this for the last 4 months and everyone is blaming everyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple inquiries that was not authorized.I did not ask these people to run my credit for the following companies .... 
XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize XXXX to pull my credit on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (FHA mortgage) with loanDepot.com, LLC (GA).
Issue: Trouble during payment process

Complaint: I requested my creditor Loan Depot to assess my loan for the removal of my PMI insurance. I was instructed that I had to make payments for 11 whole years before they would remove PMI. I know that if my Loan to Value is below or close to 80 percent then they should consider the removal of my PMI. I refinanced my home almost 2 years ago and during that time my appraised value came in at {$200000.00} and my current outstanding balance on my home is {$170000.00}. Are they correct in saying I have to wait 11 years? Is this a new regulation I 'm not aware of?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: I have never owe any money to XXXX. XXXX never holds any senior secured lien on my property. XXXX never provided any proof of claim on my property. I have never entered into a contract or any security agreement or voluntary lien with XXXX, I have requested numerous time R.E.S.P.A. QUALIFIED WRITTEN REQUEST. Such as any alleged Loan History, all RECORD HISTORY. Do you have servicer right,

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: For the past two years, I have over paid into my escrow account and have not been sent the overage amount. I have also over paid on a few payments do to late charges, yet the late charges have not been removed after processing the payment. For instance, if I double my payment and add the late charge, I still have {$120.00} unaccounted for. Although my insurance and taxes are the same, and I over paid into the escrow, my escrow payments went up almost {$30.00} a month. I have paid extra on a few payment only to have the monies diverted from the late fees. How can I make the full payment owed only to have the {$170.00} late fee ( Do n't know how they came up with this number ) added to my next statement as well, so when they get the extra monies, it will be added anywhere but to the late fees. I am tired of Ditech doing what they want with my fixed rate mortgage..

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX, Specialized Loan Servicing has been " losing '' my monthly payments and not applying them correctly to my account. These payments are sent electronically directly from XXXX XXXX XXXX ( not US mail or paper check ), and I have proof of payments. Every month I have to print out a proof of payment ( to mail since they do n't accept email ) and call them and ask them to correct their records. They never correct them until I file a complaint with the CFPB.For example, Prior complaints are [ Case XXXX and XXXX. Every month my HELOC payment is electronically sent directly from XXXX XXXX XXXX to SLS for the monthly. I have been using this same process since the day SLS purchased by loan from XXXX. I received my statement for XX/XX/XXXX, dated XXXX/XXXX/XXXX and they are stating that I did not submit payment that was due on XXXX/XXXX/XXXX. The payment of {$190.00} ( ref # XXXX ) was delivered on XXXX/XXXX/XXXX because XXXX/XXXX/XXXX was a Saturday. I even called ahead and spoke with XXXX and told her that I would be sending the payment and it was scheduled to arrive on XXXX/XXXX/XXXX so it would not be late and that it should be applied to the monthly payment due ( it is not an " extra '' payment to be applied to principal ) .SLS needs to find this lost payment and remove reporting of late payments. I have NEVER been late with a payment, but my online profile now shows that I have a record of late payments. I know that late payments impact a person 's credit score. I am tired of wasting my time having to call them every month and spending money on paper, ink and postage to submit proofs of payment.

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 12/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is trying to charge me with the like of XXXX when I paid them off, and from both companies I was charged, double, and an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: TransUnion is reporting a collection on my credit report with XXXX XXXX in the amount for {$4100.00} for a XXXX account. This just appeared on my credit out of no where and I have never been sent a letter from them. This is only on TransUnion so it must be an error. Please validate and verify this account and then delete it form my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 sent multiple letters to Experian National Consumer Assistance Department XXXX  Consumer Relations, and XXXX XXXX XXXX XXXX about multiple unknown collection accounts that have been reported on all three credit reports. <P/>Experian National Consumer Assistance Dates : Certified Letters : X/XX/2017,XX/XX/2017. Online disputes : XX/XX/2017, XX/XX/2017, XX/XX/2017,XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Hospital {$1100.00} closed unverified ) XXXX Consumer Relations Dates : Certified Letter : XX/XX/2017. Online Disputes : XX/XX/2017, XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and still unverified ), XXXX XXXX XXXX ( XXXX {$450.00} open unverified ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Hospital {$1100.00} open unverified ) XXXX XXXX XXXX XXXX Dates : Certified Letter : XX/XX/2017. Online Disputes : XX/XX/2017,XX/XX/2017, XX/XX/2017,XX/XX/2017, XX/XX/2017, XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX ( {$24.00} closed unverified ), XXXX XXXX XXXX XXXX ( {$160.00} closed unverified ), XXXX XXXX ( {$50.00} closed unverified ) These companies, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts listed above with XXXX, Experian, & XXXX credit reporting agencies. I requested verification of the debt and account however the business and credit reporting agencies have failed to provide adequate proof. Instead of deleting these accounts ; they have been closed and remained open with derogatory remarks on my credit file which has caused not only XXXX but slowed down the process of buying my first home. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: ACS/XXXX XXXX XXXX, is also reporting multiple loans as XXXX XXXX past due and these loans are older than XXXX  years. At no time, have I ever had any written correspondence ACSXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am an XXXX so I understand how website/software works. What I described below is not user error. 

When XXXX first came out, I could use the website to get credit reports from XXXX agencies at once. 

Three years ago, Experian first stopped working and gave me this mystery error " Unable to complete your request, please mail your request in '' one year ago, XXXX stopped working, and today all XXXX have stopped working for the online version of credit report requests. 

I am suspecting the credit companies are deliberately making it harder for consumer to request credit reports. Are there any monitoring from CFPB to ensure they comply the law with good intention?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: My vehicle has been determined as a total loss by my insurance company. A payment has been  sent to Santander Consumer USA to apply to the auto loan balance. But, there is still a balance owed. I called Santander to inquire if I may hav e my loan payments reamortized based on the remaining lower balance. The representative I spoke with said he is unable to assist me and there is no one for me to speak with and that I must wait to receive a letter or a phone call regarding the remaining balance and payments due on my loan.     I would like to continue making payments on the loan until the balance is paid in full. But, I can not afford the current monthly payment. I would like a modification of my auto loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2017 about Debt collection (Mortgage) with CIT BANK, NATIONAL ASSOCIATION (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: They keep sending me collection notices in the mail and are reporting the discharged debt on my credit report as active and past due as of XX/XX/XXXX. the debt was discharged XX/XX/XXXX and sold to a different bank. the original owner of the debt was one west bank they sold this debt to XXXX and they collecting and misrepresenting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: I have called Macy 's concerning a negative rating on my credit report and they first assured me that the issue would be resolved when I call them back the following Monday. When I made the call they took a very different tone and attacking my character. I mentioned that I always pay my debt with an automatic XXXX XXXX XXXX payment, for example below every month : Dear XXXX XXXX : The following payment has been scheduled : Pay To Account : MACY 'S Account Number : XXXX Payment Amount : {$150.00} Deliver By Date : XXXX/XXXX/2016 Confirmation Number : XXXX Pay From Account : XXXX Account Description : XXXX CORE CHECKING I was not aware that I was behind on my monthly payment and it could have results on some tech error. they refuse to listen and show no empathy or acknowledge my concern.

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 12-08-2016 about Debt collection (Medical) with ONLINE Information Services, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I paid off my medical collection, what I got because some person in medical ofgice did mistake. I got the bill. I cslled up to original collector, find out more about this bill. Lady at ofgice, said, sorry it was mistake, you are fine. Font have to pay anything. 
So I did not. 
After months I got letter from collection company! 
Iagreed pay. What I did, they promised re.ove the collection from report, and it not really happened. They removed it from XXXX but not from all credit analysis companies. 
I called again, no answer, they never called back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I purchased XXXX new cell phone at XXXX XXXX ( XXXX XXXX, Ga ). Two months later I found out that XXXX XXXX opened up XXXX cell phones numbers under my name because of a collections notice that I received. I went to best by twice to resolve the issue. The first time the XXXX representative spoke with XXXX in front of me and stated that the issue will be resolved and it wo n't change my credit. Three weeks later I found out that it did get reported to my credit as an account in collection. I am currently seeking gainful employment and this will have adverse effects since i 'm in law enforcement. The XXXX XXXX managers name is XXXX XXXX ( XXXX, and he stated that he would repeat the process that was already taken the first time. He also refused to acknowledge the situations in writing. I have an interview for a federal position in a few weeks and this issue defames my image severely Thanks, 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 non-monetary relief
Consumer complaint received 07/23/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: Chase continues to put extended holds over 7 days on XXXX particular checking and from XXXX particular account at XXXX. Chase is storing a hold alert in their computer systems to automatically put a hold on these particular deposits. Chase is to make the funds available in 2 business days and they are not doing so. Further they refuse to clear their computer system which is programmed to put a hold on the depsoits into this Chase account from the XXXX account,

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: XXXX/XXXX/XXXX - Attempted to understand Equifax 's TrustedID program vs. the current Equifax 3-n-1 credit monitoring program that I have been enrolled in for several years. The 3-n-1 program provides text and email alerts when a credit card 's balance changes substantively to alert me. This is valuable as it allows me to confirm changes and respond accordingly. 

That same alert process is seemingly unavailable in TrustedID, and customer service can not explain why well enough to help me out. Very unfriendly and unable to help. So, what I do not know is whether to continue with the 3-n-1 program, which I pay for, or assume that TrustedID is the replacement solution that Equifax offers for free given the security breach that occurred. 

Very unhappy.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: XXXX XXXX I fell victum to ID theft and more than {$2600.00} was taken from my XXXX account. This account made monthly payments to Ally and had been fine since before the theft.. XXXX took almost 60 days to investigate and find in my favor but in the mean time even after notifying Ally they continue to report negative info to my account and my loan amount increased by a whole payment between XXXX and XXXX of this year with no relief. I wrote them in XXXX with the findings and still they continue to violate federal law by reporting and ruining my credit When I called in XXXX the teller did not like me and all ofa sudden I owed XXXX payments instead of 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 10/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TRANSUNION HARD REMOVED XXXX ACCOUNT FROM MY CREDIT REPORT WHEN I DISPUTE THEM AND WHEN AND TURNED BACK AROUND AND PUT THEM BACK ON

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Federal student loan debt) with Todd, Bremer & Lawson, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a letter to Todd, Bremer & Lawson, Inc. requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and or other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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: For XXXX/XXXX to remove the 120 days late reporting status. The credit bureas to notice XXXX/XXXX balance was paid in full after a student loan debt consolidation ; however now there reporting more than 120 days past due damaging my credit score. All three bureaus have been notified but they continue to report erroneously 120 days past due causing me to not qualify for a mortgage.

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 03/31/2017 about Consumer Loan (Installment loan) with LENDMARK FINANCIAL SERVICES (TN).
Issue: Problems when you are unable to pay

Complaint: I have a loan with Lendmark in XXXX TN. I signed up for an insurance product ( unemployment insurance. ) it was explained to me that if I lose my job my payment will be covered for 3 months. I called and was denied the service after rightfully paying for it for 7 months. I was told to come in and refinance my account and the TILA boxes nor the new contract was properly explained. 

I felt cornered to sign and accept the terms so that the creditor does not tarnish my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had an account with XXXX? XXXX. The first year I used the account and paid accordingly with no issues. I fell behind and spoke with one of their account retention reps and they agreed that if I paid the next 3 installments on time they would erase the late payments reporting on my credit. In addition to this they agreed to remove the late charges and penalties from the acct, the account representative told me that I would receive a copy of the agreement in the mail, but never did. Once I complied with my end of the deal, XXXX refused and denied that they made this agreement with me. 

We had an agreement to delete the penalties and fees which were extreme and they did not hold up their end of the bargin. At that point i stopped paying the bill and they sold the account to a collection agency, and the bill itself was wrong. 

Once I made contact with the collection agency, they removed the derogatory collection from all three bureaus and shortly thereafter, XXXX reinserted the information!!! 

And now my credit has taken a dive!

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