milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have submitted multiple letters and have made phone calls to start thethe process to remove my PMI. I have different pages in my original note that ate conflicting. However, Per one of my notes, I am eligible to pay for a appraisal, of their choice, to be able to determine removal of my PMI. My home is now valued at more than the the required amount to remove my PMI. Citi Mortgage will NOT honor what my original note states. I have been paying PMI fees for way too long. My home has a balance of XXXX and is estimated worth XXXX. 
Please Help. Also, my payment goes up XXXX % until 5.25 %. My loan Modification in 2009 appeared to be good, but is n't.

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 03/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm trying to obtain employment I have XXXX inquiries on my credit report do to fraud Trans union refuse to help a victim of Identity theft they keep giving me the runaround please help me they can remove them they just refuse too

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 01/13/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Please see attached letters in regards to my attempts to have my escrow account cancelled. This began XXXX of XXXX. They did not respond to my letter and I sent a follow up letter. Their response for not cancelling the escrow was simply put as " they received the loan like this ''. That is not a legal reason to not cancel my escrow account. When I called and complained they acknowledge that I have the right to cancel my escrow account if it is in a positive balance. They just paid out taxes and the homeowners insurance and my balance is negative, so until I can have a positive or XXXX balance they can not cancel the escrow. I made my payments and in XXXX of XXXX I sent a letter explaining that in one more payment I will have a positive balance, please cancel my escrow. They never responded, I called they said they did not receive it, I could fax it. I faxed it to both their customer service and real estate tax bill departments on XXXX. I called on XXXX and talked to a supervisor name XXXX. She confirmed the receipt of the fax. I received a letter in XXXX explaining they received my inquiry and are working on it. I called on XXXX for an update and spoke to another supervisor XXXX, she explained that she shows no record of any letter in regards to cancelling my escrow account. she was polite and gave me a fax to her and said she would make sure it got to the correct department. I faxed it to her and talked to XXXX in her unit XXXX who said it was received and sent to correct deparment. In XXXX I receive a letter from Bayview stating that since I did n't send paperwork for a modification of my loan, I am no longer qualified for a loan modification. XXXX XXXX I called and was told that was a separate inquiry and that they were still working on the escrow response, should be soon. XXXX XXXX XXXX I called for an update and was told that they have no letter asking for escrow to be cancelled. I spoke to a supervisor named XXXX who said that they have nothing, I asked to fax letter to him so he could get it done because in XXXX they will pay out again and I will be short and not allowed to cancel. He explained that he does not have a fax and stated I could fax it myself to them, offered me the number. I could also mail it. I have attached copies of my letter. I want Bayview to cancel my escrow immediately and I want it done before they pay out taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (FL).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: I purchased a vehicle at a XXXX dealership. The payment due date was set up there. We asked the salesman if he could get it on the first of the month. He told us we could set it up on the XXXX when we get paid with the Financial company called XXXX XXXX. We signed the deal. Immediately after we contacted the company and explained we wanted the payment due on the XXXX when I get paid my XXXX check. They stated they could only extend it to the XXXX, however that would not be a problem because we had a 10 day grace period with no charges. Then without warning sometime later Car finance no longer had the loan and a Flagship Credit Acceptance had it. I noticed they had been charging me late fees after we payed the payment. I talked to them multiple times and they would not even hear my complaint. They gave NO regard to my explanation. I have also noticed my payments have not gone down as they should and I have no idea whats going on. I have repeatedly asked for a breakdown of charges and they absolutely refuse to show me anything on paper. I am so up set with this company and I know i have been taken advantage of Financially. I have a Case pending with the Florida Office of financial regulation. Case number XXXX. The company will not even respond to them according to the person who is handling my case. I feel strongly I must elevate this to another level so I can get the answers and monies I feel are owed to me due to the inaccuracy of this transfer as I believe it is very wrong. I feel they are exploiting me because I have a XXXX. I am a XXXX veteran and I can do nothing. The payment interest is something I never understood when I signed these papers. Its seems very wrong that I am paying my payments and not allowed to even know what the principle is and how it was applied.

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 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Dear EXPERIAN : Please be advised that you are reporting the wrong Public Record information on my credit report. Please delete and/or remove the Bankruptcy from my report as it does not belong to me and is being reported in error : Record Type : Bankruptcy chapter XXXX-discharged, Filing Date : XX/XX/2013, Amount : {$0.00}, Reference Number : XXXX Court : US BKPT CT WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX, any help you can give me with updating this information as soon as possible would be greatly appreciated.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: X/XX/17 .  I went to   XXXX   XXXX   XXXX   and they pulled my credit for a payday loan. I got a alert from credit reporting agency that they informed me i had a inquiry on my credit report. Then  two  weeks lat er  X/XX/17  I went b ack to the branch and rewrite my contract and i got another alert stating that   XXXX   XXXX   XXXX   did another credit inquiry. I do n't like this idea at all .It affecte d my credit score. I was n' t informed that they would do this to my credit. I did n't see any signs in the building stating they pull credit. I called the home office in TN and they could n't answer my question. They took my name and said they will have someone to call me. I 'm thinking as a PAYDAY LOAN why would they pull my credit if they ask you for a blank check, pay stubs, bank statements, proof of address, social security card and Driver license. I do n't like how they do business here. Please help me get this resolve. Thank You In advance

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 01/31/2018 about Debt collection (Medical debt) with EQUIFAX, INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received 3 letters from XXXX  Credit monitoring membership dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. First letter dated XX/XX/XXXX states that on this same date XX/XX/XXXX the following changes appeared in my credit file : Major Derogatory from Creditor XXXX XXXX in the amount XXXX ( new medical collection ). Soon after receiving this information I submitted Dispute Letters to ( XXXX Equifax, & XXXX ) with the above derogatory account information on it that was given to me from XXXX. I received a response from XXXX dated XX/XX/XXXX ( less then 10 days of me quickly responding to this report ) stating RE : Unable to Locate Credit Report dispute Request. I submitted another Dispute Letter only to receive a XXXX response dated XX/XX/XXXX RE : Dispute Status ... .Based on the information provided to XXXX , our records show that the information you disputed does not currently appear on your XXXX credit report. The certified letters that I submitted to the credit bureaus were sent expediently and most importantly I am using the same data that can be found on my current status credit report and the information that I received from XXXX  credit monitoring. I clearly monitor my credit report very closely and I went from XXXX to XXXX ... 33points dropped and now Equifax dropped another 7 points! I work very hard to get where I am at. So how can I have a 33 and now 40 points dropped for the ( only ) negative thing on my credit report in which XXXX  and Equifax now say does not exist or can not be found? When it is on my credit reports. All 3 of the bureaus has the same information I am rightfully disputing and all 3 credit bureaus : XXXX, Equifax and XXXX each received a letter from me disputing this account and asking for validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was just transfered to Carrington Mortgage Services. I 've had several home loans and this has been by far the most difficult one to work with. I pay extra on my mortgage every month. However, they make it very difficult for you to do so. I can not pay extra via their website. It shows the options to do so, but they do n't work. The most I can pay is my mortgage payment. My options are to call in and give a stranger my checking account info every month. Which they entered wrong the first month and did n't work anyway. Regardless, very time consuming to pay a single bill every month. I also, can make multiple payments to accomplish this. Since I ca n't make a larger payment, I have to make multiple payments. However, I can only make one per day via their website. It becomes a multi day hassle. Even so, I still will have to call to make sure the extra money under the other option is still added to the correct place. They also told me, I could pay extra provided I pay on or after the first every month via the website. That was a lie. Still does n't work. I 've never encountered a place to difficult to pay a bill. I 've had several car and home loans and by far the most difficult one to work with. They make it very hard for you to pay extra potentially trying to make sure your loan is dragged out as long as possible, making them more money and costing the consumer more. They need to make their website be able to take larger payments. Telling me that they 've had lots of complaints and " that 's just how it is '' is unacceptable. If they ca n't fix it, I would request my mortgage be sold to another company. No other mortgage service I 've dealt with has been this difficult to work with. I should not have to spend this much time and effort to pay a single bill every month. It is n't fair to me, especially when I pay on time or early every month. It should n't be a punishment for that and wanting to pay extra to pay off my loan. 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXXXXXX held by Carrington Mortgage Services for property atXXXX XXXX, CO XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I rented an instrument in XXXX ; which I returned XXXX. The owner refused to give me a receipt for the return but wanted me to sign a adding machine tape with a dollar amount on it. I refused to sign the adding machine tape. 
From XXXX to XXXX, I never received a bill nor any type of notice. XXXX of XXXX, I filed bankruptcy which was discharged XXXX XXXX. 
I received the first call from Fidelity XXXX, on or around XXXX XXXX, whom I have never dealt with left a voicemail which I have recorded stating that they were trying to collect a debt from me. 
XXXX XXXX, XXXX, XXXX, from Fidelity XXXX called me demanding payment and the return of the instrument that I already returned in XXXX. I explained that I already turned the instrument to the store and that the owner is committing fraud, and that I did file Bankruptcy in XXXX XXXX, which was discharged XXXX of XXXX and that she and Fidelity XXXX was in violation of the law attempting to collect a debt discharged in Bankruptcy court. I informed her that I would be filing a complaint. XXXX, of Fidelity XXXX stated that the bankruptcy did not affect her collection attempt. 

Meanwhile, I have had to block the owner from contacting me on social media websites XXXX from requesting to be a professional contact. I am beginning to get worried that he might cause me personal harm.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I made a dispute with XXXX and Trans Union regarding having two open mortgages on my report for the same home loan. My loan was transferred from XXXX XXXX XXXX to XXXX XXXX in XXXX XXXX 2017. I have made numerous attempts to dispute this item and the status remains the same when the account has been closed/transferred and there 's no outstanding balance with XXXX, or its other subsidiaries.

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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, two men selling XXXX XXXX XXXX  knocked on my door at around XXXX. I answered the door and they proceeded to tell me about the product they were selling. Something they said piqued my interest so they offered to give me a quote. They said they do n't know why, but their system requires a name and address to generate a quote for somebody. The provided my wife with the quote verbally at which point my wife said she was not interested and they left. 
The next day I received a call from XXXX, our credit monitoring service, who said I had a HARD credit inquiry on my account and did she recognize it. I said no and after looking into it, we determined that the hard credit inquiry was from XXXX XXXX XXXX and actually occurred on XXXX XXXX, the day before I even spoke to XXXX. Of course my husband and I were outraged as we had not and would n't even think about giving XXXX permission to do a hard or even soft credit inquiry. And the only info I had given them ( which they already knew ) was my name and address. 
I have reached out to both Equifax and the company to no avail. Neither has been helpful in any way in resolving this and getting this unauthorized hard credit inquiry removed from my credit record. We would appreciate any help the CFPB could provide in resolving this as we feel it is outrageous that a company could do this. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received a XXXX from XXXX XXXX  about an old credit card account I had. Since XXXX cancelled the debt and I have to report it as earned income, the balance on my credit report should be {$0.00}. I have tried disputing the balance amount with the three major credit reporting agencies, and they keep saying that the amount has been verified. But how can XXXX XXXX cancel the debt and then still say that balance is valid?

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 03/25/2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Trouble during payment process

Complaint: I wish to file a complaint against Freedom Mortgage Company. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, NJ XXXX United States Lender NMLS ID : XXXX The companys handling of my simple request for a payoff of my deceased mothers mortgage has been despicable. I have provided the company with the documentation requested including death certificate and letters testamentary showing me as the legal and only executor of my mothers estate. It feels very much as though, for some reason, the company is stalling. Interest is, of course, accruing as this process drags on. Their total and complete lack of compassion is astounding, nay repugnant. I have spoken with no fewer than five of their employees including a supervisor and I still have received no information regarding the payoff amount. I actually spoke to one Freedom Mortgage representative who told me that, DESPITE THE FACT THAT SHE WAS AT THAT MOMENT IN POSSESSION OF AND PHYSICALLY VIEWING ALL OF THE REQUIRED DOCUMENTS, my request for a payoff amount of the loan would have to go to yet another department. The company has caused us to miss the closing date of XX/XX/XXXX and now threatens to cause us to miss the new scheduled closing date of XX/XX/XXXX. 

I appreciate any assistance you may be able to provide.

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 09-09-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They contacted my son at work twice on his phone even after he told them, that was n't his number and he was at work.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Fraud reporting in XXXX Inquiries XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX Fraud reporting in Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX Fraud reporting in XXXX Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX I have called and talked to multiple customer service agents from XXXX, Transunion and XXXX to block the fraud inquiries and account. They refuse to help me.

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 11-09-2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I began attending XXXX XXXX at age XXXX and began signing loan documents while I was still in high school. I have accumulated XXXX loans to both private institutions and the federal government totaling over {$50000.00}. I have an XXXX in XXXX XXXX which has not been accepted for transfer to any four year institution at which I have applied. Numerous law enforcement agencies have also rejected the authenticity of my degree. Therefore I am stuck with a degree I ca n't use and {$50000.00} of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Payment arrangements have been made to Portfolio recovery monthly in the amount of {$250.00} per our settlement arrangement. They have taken my first XXXX payments out and applied it to my account. They have not taken the last XXXX payments that I have wired to them and applied it to my account. I have difficulty trying to understand anyone that works for that company and they are not working with me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Payday loan, title loan, or personal loan (Title loan) with QC HOLDINGS INC (UT).
Issue: Can't contact lender or servicer

Complaint: Harrassed persistently about a title loan taken 4 years ago. The company is a third party compan y for BuckEye Title Loans. Th is company is called  XXXX . We received a call from them several times all day all night long, threatening, harassing and just annoying calls. We try to talk to them about the debt that is owed, but they cut cut us off hang up and are very disrespectful and rude. We want these calls to stop. I believe the company is a scam, but they received my information from Buckeye title loan somehow.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation