milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-12-2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (OK).
Issue: Credit decision / Underwriting

Complaint: Aggressive Loan Officer ( XXXX XXXX ) at Quicken Loans that performed a Mortgage Review of my current homeowner 's loan that currently has a fixed rate of 4 % - FHA-30-year loan with Quicken Loans and when I informed the Loan Officer on XXXX/XXXX/16 that I was not interested in refinancing my home because it would not save me any money and that I would have to pay closing costs as well. The Loan Officer continued to contact me 3 additional times by e-mail on XXXX/XXXX/16 and mail communication on XXXX/XXXX/16 and now today, XXXX/XXXX/16. The Loan Officer as uploaded new refinance information on my on-line account without my knowledge, permission or consent. I feel like I am being harassed by Quicken Loans by their aggressive and predatory style of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: SLS continues to improperly withhold PMI even after the LTV has dropped below 78 %. Many calls were made to handle this and the company states their policy requires a wait XXXX 45 days.

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 06/27/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have been working with XXXX XXXX XXXX , XXXX since the XXXX of XXXX. I called them on the XXXX of XXXX XXXX and spoke with a account manager about how or what I need to dispute this debt that I just found on my credit report when XXXX XXXX from XXXX XXXX. She informed me that I had a debt in collections from XXXX XXXX, XXXX. I informed her that I never had a credit card through Citibank, NA. So I contacted XXXX XXXX XXXX, XXXX on the XXXX of XXXX XXXX they told me they would send me a what I need to do and the information they have on the case. The paperwork states it was typed up on the XXXX of XXXX XXXX. Where they give some details about the account. And what information I need to seek if I want to dispute it. So after I received this packet I started filng reports the day of receiving the paperwork on the XXXX of XXXX XXXX. I filed a complaint report on ther FTC.gov for Identity Fraud as per stated in the inforamtion they sent me to get, and I also have contacted my local sheriff 's department to file a police report. The deputy came out to my house on the XXXX of XXXX XXXX and I showed him the information that XXXX XXXX, XXXX sent me. He wrote up his report and gave me a card that had his name, title, phone #, case #, address of police station. I have scanned the business card the sheriff gave me and the report for identity theft report and have faxed the paperwork to XXXX XXXX, XXXX on the XXXX of XXXX XXXX. I called them and spoke with Account Manager XXXX, he said they have n't recieved the fax, and to wait 3 business days for their company to receive and upload documents to their system, but I could also email. So I emailed them on the XXXX of XXXX XXXX. I have been calling them every week to keep hearing the same information to call back next week or the information you sent is Invalid and they will contact their legal team to see why infomration ( police report, and FTC Identity Theft Report ) is invalid, and inform me to call back every week. So I 've had enough and trying to take this to a higher level.

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 03/26/2015 about Debt collection (I do not know) with REGIONAL MANAGEMENT CORPORATION (AL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Not only do they continuously call all day every day, the manager gets an attitude with me saying " I would n't recommend you to my worst enemy '' and threatens to take legal action. He said he 's going to pull up my record and see how many verbal commitments I 've broken. I am XXXX pregnant and he was being so rude and really getting me shook up. My husband gets on the phone and he tells my husband that " its ok, my wife was psycho too when she was pregnant ''!! He mocked me like a child and Itold him that wwas n't very professional. Something needs to be done. He verbally attacked me, threatened me, and harrassed me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have requested from the collection agency, XXXX XXXX XXXX, and Experian for a validation of debt for the alleged account. The initial request to collection agency was on XX/XX/XXXX followed by a second request sent on XX/XX/XXXX and most recent to Experian on XX/XX/XXXX. All were sent certified mail with electronic signatures. Each time the collection agency did not mark the item disputed with Experian. Experian sent dispute result twice stating item is reporting accurately but the collection agency still has not marked the item disputed. I am confused how the accuracy has been verified if they have not been in contact with the bureau.

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 04/28/2017 about Debt collection (I do not know) with Tri-State Adjustments, Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Tri-State Adjustments, Inc. a Wi sconsin-based Collections company is attempting to collect on a debt that they can not confirm is owed by me. On  XXXX   XXXX ,  2017 , I sent them a letter disputing their claim and requested per FDCPA that they identify their client, and to validate this alleged debt through any and all documentation supporting their claim. I have filed this same complaint with CFPB case file number  XXXX  in which Tri-States Adjustme nt, Inc.is basically unresponsive stating they are waiting on proof that I have paid this bill. It is obvious that Tri-State Ajustment , Inc. does n't understand the law because they should know that the burden of proof that a debt is owed is upon them and not the consumer. I will also be filing formal complaints with the Wisconsin Department of Financial Institutions who regulates their license and with the Minnesota Department of Commerce in which Tri-St ate Adjustments claims they are licensed with.

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 05/15/2017 about Debt collection (I do not know) with ERC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, ERC, sent me a letter and claimed I have unpaid amount {$380.00} to   XXXX   XXXX   XXXX  . Except I do n't do business with  XXXX   XXXX . I visited  XXXX  and ask them if they have an account under my name, gave them my driver license and the letter from ERC.  XXXX  search and came back negative, they do n't have me as a customer, they also checked back dated to year  2014 , nothing.     I also checked my credit report and verify a possible identify theft, again, nothing. Contacted ERC,  XXXX , gave them the reference #  XXXX . Informed them they have the wrong person which they denied ... I asked how they get my record. They could n't give me an answer.       XXXX   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: On XXXX XXXX of XXXX, according to Discover, I took out a education loan. In XXXX of XXXX after becoming delinquent on my account I paid Discover off. Discover is currently reporting XXXX education loans originating on the same day. Both loans are being reported as negative accounts on my credit report. I have informed Discover that they are duplicate accounts, but Discover refuses to remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: In regards to the Equifax breach, I have been trying to enroll in the protection plan. However, they are making it unduly cumbersome and is beginning to feel like an exercise in the quixotic. 

I signed up a week ago. The website told me to go to another website in 5 days to complete the process. There were no originating or follow up emails - instead I copied the link and added a reminder in my calendar. I went back to the linked website on the day that it would be ready and effectively had to repeat what I did the first time. This then took me to a second step wherein I had to submit all of my private information. After completing this step, the website stated that I would receive an email to confirm my sign up. An email that I have still not received. 

This is a ridiculous process and one which I highly doubt is nearly as cumbersome if I were to just pay for the service at a different time. ( On a side note it is also ridiculous that this protection is only being offered for one year where I believe 10 years should be required. On a second side note I truly hope that Equifax and all it 's ( previous ) shareholders are held to account ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Please see attached.     I received a letter and a check in the amount of {$37000.00}. I am not sure of the exact date I received the letter and check. The check is fro  m Portfolio Recovery Associates, LLC due to a Consent Order with the Consumer Financial Protection Bureau regarding their Litigation Department collection calling practices.
I was not aware of this consent order or that I would be receiving these funds back. Hence the check was not cashed within the 180 days after issuance and is not void ( I am assuming so, as I have not tried to cash it ). The letter and check came in a plain envelope and appeared to be junk mail.
Upon opening the letter, I contacted Portfolio Recovery o  n  XXXX   XXXX ,    2017  about this issue. I was told  by Portfolio Recover  on  XXXX   XXXX ,  2017  that a check has been reissued and I should receive it with in 7 bu siness days.     Today,  XXXX   XXXX ,  2017 , I called  Portfolio Recovery to inquire about the check as 7 business days has passed. I was told that they are not re-issuing a check because the original date on th e check exceeds 365 days. This is in stark contrast on what I was told on  XXXX   XXXX . I asked for a letter explaining their decision and they said there is not  one. I also asked for a copy of the Consent Order as I never received one. Portfolio Recovery has not provid  ed a copy of the consent order and was told they are not sure if they could provide one. The request will be forwarded to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX were solicited by XXXX Representative to refinance our home. Loan closed XXXX. 
1. XXXX or XXXX XXXX sold my loan to XXXX XXXX 2. Applied for modification XXXX Received approval XXXX was instructed to wait for papers. 
3. XXXX XXXX XXXX filed Lis Pendens/Forclosure 4. XXXX We offered XXXX to bring loan up to date with a large lump sum payment. BA refused to accept OR reject offer. Refused to make a decision at the Corporate President office level. BA did not want a resolution, XXXX wanted our house. 
5. Spouse did not sign loan docs as required by FL homestead law. Entered motion to dismiss mortgage and foreclosure based upon FL law, still pending. 
6. XXXX XXXX sold their interest to BayView Loan Services that removed XXXX from pending lawsuit/forclosure proceedings and our motions against XXXX. 
7. XXXX to XXXX At not time has XXXX acted in good faith toward any form of equitable resolution. By way of example, see # 4 and # 5 above. 
8. XXXX XXXX sold their position to BayView Loan Serviced in XXXX. BV started by grossly overstating our loan balance. 
9. XXXX In XXXX place ( but not entirely we hope ) comes the new and continuing battle with BayView ... ... ... ... to be agressively investigated by CFPB we pray. 
With your help WE WILL NOT GIVE UP.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 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: Reporting company used your report improperly

Complaint: Equifax leaked my information in a security breach putting my credit in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (NC).
Issue: Settlement process and costs

Complaint: This is a complaint from XXXX and XXXX XXXX to Specialized Loan Servicing for requesting ( 2 ) two months to respond and failing to answer and respond directly to the actual requests for consumer information that was asked in the prior complaints submitted. 
You have ignored, attempted to cover up problems, give continuous repeated answers to unknown subject requests never made. You have ignored the illegal documents I have informed you of and continue to use and rely on after proof of fraud. I have been denied my lawful right to the information of the recent introduced blank endorsed copy of alleged Disclosure and Agreement Statement ( I did not sign ) you say is mine but will not say when you obtained it. This has nothing to do with closing, PSA, or any excuses you used to avoid a truthful answer. You are deliberately forcing me to take other actions instead of answering simple requests. 
If this is due to the inability of an untrained complaint department with lack of knowledge in these matters then something needs to be done and immediate action taken regarding these most serious XXXX in this department. The recent responses lack direction, lack comprehension of content and fails to properly respond to prior and previous complaints. You can not " close '' something that never took place!

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 04-11-2017 about Bank account or service (Other bank product/service) with PNC Bank N.A. (IL).
Issue: Deposits and withdrawals

Complaint: On or about XX/XX/2016, I put money into a safety deposit totaling {$26000.00} in cash. On XX/XX/2016, I returned and the money was gone. I complained to PNC Bank at XXXX, IL XXXX. XXXX. I went in person and complained to XXXX, bank manager. He told me to get a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Platinum Credit Card wit h Capital One,  last  XXXX  numbers are  XXXX . Card was closed by me  XXXX   XXXX ,    2016  - one year to the date of opening the account. I have paid monthly since  XXXX   XXXX , as I did since the first payment due.     Credit Card credit line was for {$2500.00}. In paying on the accou nt for one year, the account shows a balance of {$2200.00} even though I have paid either the balance due of {$72.00} or $  XXXX  monthly. When I make the payment ( s )  on the  XXXX  or  XXXX  of the month, wit hin 2 w eeks I receive an email that the current balance is HIGHER than what I paid.     The interest rate is a variable ra te. Capital One refuses to lower the interest rate. Their Customer Service Representatives put it back on  me the Customer to pay more and/or before amount due OR .... no other alternative.      UNFAIR Business  Practices that are set up for failure for the Customer.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX my sister XXXX and I went into BB & T bank to close acct # XXXX and establish account # XXXX post haste because I no longer wanted XXXX XXXX XXXX to have access to my bank accounts or have any authorization to act on my behalf to financial manipulation and improprieties done against my account. She was placed there when I became ill and was hospitalized and abused power and responsibility and her refusal to even return my property and even debit card to my account warranted establishing a new account. We met with XXXX XXXX and established the new account and informed her of importance of expediting this matter as my {$1700.00} social security direct deposit was scheduled for XXXX XXXX, 2016 would hit the old account but the bank could reroute to the new account. 

She told us and promised it would be completed by Monday XXXX/XXXX/2016 and to call her to make sure that happened on that day. My sister XXXX did and left a voicemail on her phone of which she acknowledged that she did receive. However XXXX XXXX neglected to closed the account or place safegaurds on the old account to prevent further financial manipulation by XXXX XXXX as a result XXXX authorized a webpay {$700.00} against the account on XXXX/XXXX/2016 that hit my account place it in overdraft the BB & T accessed a overdraft fee, then she went into a branch and withdrew {$500.00} against my social security direct deposit on XXXX/XXXX/2016. To date I only received {$470.00} of my {$1700.00} and BB & T have refused to return the balance of {$1200.00} from my social security deposit to me. I am a senior citerzen on fixed income and I have other finanical obligation I need to attend to and I have called several times XXXX and 4 times a day and my calls are not being returned and XXXX XXXX is no longer communicating on the status to refund my money to my account

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 08/31/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to sell my condo since XXXX. We purchased it in XXXX of XXXX for {$200000.00} and currently owe around {$170000.00}. We had been dropping the price every few months and were finally down to {$170000.00}. In XXXX XXXX I agreed to a new position within my company that required me to relocate from XXXX to XXXX starting in XXXX of XXXX. My husband and I decided to go through the short sale process and drastically dropped the price of the condo to {$130000.00}. We received an offer for {$130000.00} and started the process in XXXX XXXX. We finally received approval from Wells Fargo on XXXX XXXX, XXXX. Unfortunately, the buyer got cold feet and had requested we cancel the purchase agreement. We finally received another offer for {$120000.00} around XXXX XXXX, XXXX. When I spoke with my home preservation specialist regarding how to move forward with the new offer, I asked her what the value of the property was based on the XXXX performed during the first short sale and she told me it was {$120000.00} so I was hopeful that even though the new offer was lower we would still be able to have Wells approve it. I re-submitted all the required documentation within the next week. A few weeks went by and Wells Faro requested information that had already been submitted and changed my home preservation specialist on XXXX XXXX, XXXX. I recently received notice ( XXXX XXXX, XXXX ) that they are rejecting the offer/ denying the short sale however said we could submit a counter-offer to the buyer for {$170000.00}. It has been eight months since we moved and we have continued to make our mortgage payments because it 's the right thing to do and we had some money in savings. The owner of the lower unit will not agree to let us rent our unit which our condo documents require. I do not understand how they could have approved the short sale in XXXX to deny it in XXXX based on very similar offers and our financial situation has not changed any.

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 05/18/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen has replied to our request to fix our mortgage account. They still claim we owe them money and are going to start foreclosure. Again, we have never been late or missed a payment, but they still claim we have. How do we stop this?

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: You have XXXX listings when there is only XXXX offense. Does n't it make sense to you if it is exactly the same amount and the same date that you have duplicated the offense.

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 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Company does not have authority and contract is void.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 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: Information belongs to someone else

Complaint: I pulled my credit and I noticed that there were some incorrect items on my report, I have been contacting them since  XXXX . They have still not responded to my request

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