milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Clarity Service pulled my credit on three different occasion with out my consent : XX/XX/XXXX and twice on XX/XX/XXXX. In effort to investigate the inquires, I sent a letter on XX/XX/XXXX listed bellow : RE : Unauthorized Credit Inquiry Dear Customer Relations : While checking my personal credit report : XXXX, XXXX, and XXXX, I notice an unauthorized inquiry made by your organization on XX/XX/XXXX. <P/>Since I have not, to the best of my knowledge, authorized anyone employed by your organization to make an inquiry, you are not legally entitled to make the inquiry. Therefore, I request that you contact all the concerned credit bureaus and remove the unauthorized hard inquiry within 7 days, under the Fair Credit Reporting Act, Section 1681b ( c ) :  Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation to the address listed above that you have complied with my requests. <P/>If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. <P/><P/><P/>On XX/XX/XXXX, the company responded and stated they needed " additional information '' in order to investigate my claim. I sent another letter XX/XX/XXXX and it is also listed bellow : RE : Response to Consumer Request Dear Customer Relations : I received a letter from your company in response to my Unauthorized Credit Inquiry dispute ( see attachments ) stating that additional information is needed to investigate my claim. Your company advised I mail my social security number, address, phone number, and other pertinent and personal information with a view to fully investigate my dispute. However, if your company had access to my credit report, it can be determined that my social security number, address, phone number, and other pertinent and personal is within your company records. <P/>This is rather questionable and a postponement approach to evade your company from lawfully investigating my disagreement with the unauthorized inquiries. I included below three different instances ( twice on one day ) your company Clarity Service Inc illegally and without my consensus retrieved my credit report from XXXX, XXXX, and XXXX : The Fair Credit Report Act upholds fair, accurate, and confidential credit practices as well as gives consumers the right to legally dispute illegitimate credit reporting and inquires. I do not know the services offered at you company to grant you access to my personal credit file. Since your company is giving me a hard time with my request, I have decided to escalate my dispute with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage company Specialized Loan Servicing LLC ( SLS ) took over my loan from XXXX in XXXX of XXXX. SLS has never sent a statement of what is owed on the loan or proof of payments received. They claim that because there is a bankruptcy ( discharged in XXXX ) on my credit history, they can not send any statements or information. XXXX sent statements throughout the bankruptcy with a disclaimer stating, " this is for informational purposes only ... '' Those statements showed payments received, escrow payments, principle and interest, etc. I have been told by 3 different representatives that SLS can not provide such statements. Are n't they required by law to keep me informed of my mortgage balance and payments received?

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 03-12-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed items that were previously removed and items I know do not belong. Not once have I receive a written letter. I am not told what information the have been given as proof. I do not believe that a phone call to the collection/open account holder should provide so little as I " we say so '' or a credit statement with nothing in writing such as a signed document. They are taken at their word. I want to see exactly how they have come to this conclusion. Again, I have n't even gotten a letter. Even when they reinsert and item, no letter there either.

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 07/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 04-08-2016 about Debt collection (Medical) with American Collections Enterprise, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was charged a clinical visit debt, on my daughter 's behalf, which was covered by government medical assistance. The payment was due at the time of service, thus my daughter would not have been seen if the payment was not verified on that same day.

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 12/17/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage with Bank of America on XXXX XXXX. When I contacted XXXX XXXX that day he bragged about BofA 's on time closing rate and said they would be able to close on our new home XXXX XXXX. He ran # 's and asked for me to send him required documents. He said we were approved to buy the new house and then sell our home 3 days later. Every conversation with the man he assured me we were good to go for XXXX XXXX. We spoke XXXX and he assured me we were on track. Myself and my real estate agent called/emailed repeatedly the next week asking if he had received the title. Friday, XXXX XXXX he finally gets back with me to tell us he had been out of the office at a funeral and did not have the title. There was no email kickback during his absence saying he was out of the office and to contact someone else or an updated voicemail saying to call someone else. So not only could we not close on the XXXX of XXXX because he did n't have someone working on our file while he was he out, but he had n't done the math correctly ( or contacted someone who could do the math correctly ) and we would have to close on our current house XXXX before closing on the new property. The math should have been done when we applied for the loan and we should of been told up front. We were pre-approved for a non-contingent loan by multiple other lenders. So instead of renting a truck for a day for {$100.00} and having the weekend to move and clear out the old house, we would have to get a POD for {$1000.00}. We reluctantly changed the closing to a dual closing on XXXX XXXX. We received the final disclosure on XXXX/XXXX/15 and I found errors. There was no {$500.00} for failure to close on time as promised by BofA, no {$200.00} for being a preferred rewards BofA member and XXXX had forgotten to add {$500.00} from the seller for repairs. I immediately called XXXX XXXX, XXXX manager, and she put me in contact with XXXX XXXX. XXXX did not get back to me until the evening of XXXX/XXXX/15 and at that point we were faced with XXXX choices. Close on time and lose out on the {$500.00} for repairs agreed upon in our contract with the seller or delay the closing and be homeless for XXXX. She asked if either was acceptable and I told her no. She said she 'd contact her manager and get back to me the morning of XXXX. I have yet to hear anything. So we have lost {$2100.00} because of XXXX XXXX and XXXX XXXX inability to do their job effectively.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a qualified written request to Seterus concerning a payment dispute and incorrect payoff. The dispute letter included detailed information and proof of all payments made showing that the borrower ( my client ) is current on his mortgage account and that the payoff should be lower to reflect these payments. Seterus received the dispute by certified mail on XXXX/XXXX/15 and sent a letter acknowledging receipt on XXXX/XXXX/15. Seterus then sent an XXXX/XXXX/15 letter to my client directly ( rather than to me as his attorney ) stating that it was still in the process of reviewing the request and needed more time. To date, no other correspondence has been received and Seterus has not corrected the error on the account. Seterus continues to report the account as being delinquent ( despite the proof provided showing that it is current ), and is threatening the borrower with foreclosure. 
Seterus has failed to respond to the written request or correct the error on the account, as required by 12 CFR 1024.35 ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Mortgage (Home equity loan or line of credit) with QUICKEN LOANS, INC. (FL).
Issue: Settlement process and costs

Complaint: We Never received a copy of the appraisal report. The appraisal was done XXXX. The XXXX time he used the wrong comparables. The XXXX time he purposely drove the value down because he was angry for having to come back a XXXX time. Little to no communication from the lender regarding the overall loan. No one explained any of the closing docs. A notary came to the house for signature and tried to explain however he was just the notary and not a licensed professional. He seemed uncomfortable answering questions. Very unprofessional process.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Credit card debt) with Johnson Mark LLC (UT).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This is the second experience I am submitting a complaint about regarding this law firm. On XXXX XXXX, XXXX, my wife was home alone with our XXXX little kids and a man came to the door. Based on the appearance of the man, my wife did not answer the door. The man stood outside of the door for XXXX minutes yelling trying to get her to answer the door. Finally it appeared that the man left, so my wife went and got into our car with our kids only to find that the man was waiting at the end of our road. He followed my wife for XXXX miles to our bank. As my wife was in the drive thru at the bank the man jumped out of his truck and approached the vehicle. My wife pulled away and he ran back to his truck and followed her to our other bank and while she was in the drive thru at this bank he got out of his truck and approached the vehicle again. I was on the phone with her right before this and she was crying and very upset. I told her to hang up with me and call the police. 

Before she could pull away he jumped in front of our car to block her, she was on the phone with XXXX at this point and as he walked up to her window she showed him that she was on the phone with the police. He then lifted up the windshield wiper and stuck the documents on the windshield. All of this is on the banks surveillance cameras. 

I mention the surveillance cameras because the last complaint I submitted about this law firm was quickly dismissed. In the words of the owner of the company that delivered the documents last time after an escalated conversation with him, he said, " If you do n't have it on camera, there 's no proof we did anything wrong. '' This law firm response for my last complaint was completely false as they stated that all applicable laws were followed. If my wife and I are experiencing this type of harassment, I can guarantee that others in Utah are also experiencing this treatment.

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Upon receiving my credit report, Ive discovered the following addresses are STILL listed incorrectly on my credit file. The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (PR).
Issue: Loan servicing, payments, escrow account

Complaint: Our account had been sold to Select Portfolio Servicing, and after a single thirty day late payment. They have begun an aggressive and at times abusive campaign to seize our property. They have been offering us {$10000.00} to vacate our property. We have been receiving written harassing correspondence on a daily basis, as well as constant daily phone calls. Our original mortgage was a conventional fixed, and now they are claiming that it will be Adjusted every 5 years. This was not what we had signed up for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: Ref : Amazon Card Acct # XXXXGentlepersons : I am writing to dispute the erroneous credit reporting by showing wrong balance which is damaging my credit. Facts are stated below. Please verify and correct the reporting to all three credit-reporting agencies to whom I am marking cc. 

I only once charged this Amazon store credit card before requesting to close the account for unacceptable customer service. My statements were mailed to USPS mailbox. During the period I was reported late, my mails were erroneously returned backed to senders. Another creditor XXXX had same issue. However, XXXX confirmed that they did receive statements back from post and gave me full credit of late payments and finance charges. 

Recently unbeknownst to me these late payments with no mistake of mine were reported to credit reporting agencies, damaging my impeccable credit. I called your agent and paid the balance on XX/XX/XXXX except for {$2.00} insurance charge. I did not pay insurance charge because I did not voluntarily enrolled in Insurance. None of my creditors require me to pay for insurance. I asked your representative to close thee acct. 

I was surprised to see balance of {$43.00}, when called call was routed to XXXX collection agent, who gave me following information, which does not make sense. He transferred me to XXXX, US Rep of Bank who was very courteous and patiently understood the situation and confirmed XXXX balance and submitted information to correct erroneous late payment information to all the credit agencies to restore my good credit. I have already raised dispute with Transunion. 

Talked to collection agent XXXX XXXX - XXXX XX/XX/XXXX payment due, {$16.00} XXXX/XXXX/15 Only XXXX Charge was madeXXXX Could not confirm if charge was {$16.00} why amount due raised to {$39.00} of which I paid {$34.00} on XX/XX/XXXX In spite of my conversation with agent in XX/XX/XXXX your representative confirming resolution, without any extra purchase still late fees of {$35.00} were tacked on. On XXXX/XXXX/2015 XXXX confirmed XXXX balance and promised that collections will not send me bills and credit reports will show no late payments. 

I would appreciate a letter confirming that credit agencies have been apprised and no late payments will show on credit. Thanks and regards. 

XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-01-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: I have a problem with the holder of my mortgage loan, Fay Servicing. My name is XXXX XXXX, I am the surviving spouse and rightful owner of my home located at XXXX XXXX XXXX in XXXX, NJ. I am currently delinquent on my mortgage loan and have been attempting to get Fay Servicing to work with me towards a solution so I can save the house. My XXXX XXXX has had a couple of bad years which put me in a tough spot financially and my wife passed away as well. At this time I am approximately {$22000.00} behind on my loan. I have tried to get Fay Servicing to work with me towards a modification so that I can save my home, but am unable to gain any traction. I have been led to believe that since I received help with a modification in the past ( 5 years ago ) that there is no help available. I know that there are programs and options available and want to know why Fay Servicing is not considering me for any of these programs. My financial situation has stabilized and improved and I am able to afford a fair payment, but cant come up with the full {$22000.00} to reinstate the loan. This house has been in my wifes family for decades and I dont want to lose it. We bought the home and put it in our name in XX/XX/XXXX and had no problem making our payments until XX/XX/XXXX when I was hurt in an accident and XXXX XXXX XXXX. I was out of work for 2 months and my wifes income was not sufficient to keep up with the bills. We fell behind and reached out to our lender at the time, XXXX XXXX. They were very helpful and we were able to get our loan modified to an affordable payment in XX/XX/XXXX. My XXXX XXXX hit a rough patch in XX/XX/XXXX. I have worked as a XXXX for 40 years and it is my family business, but XX/XX/XXXX was one of the worst years ever. At the same time my wife was having a lot of health issues and we defaulted on our mortgage payment. Then my wife passed. It took quite some time to regroup and handle the business affairs as well as getting back on my feet emotionally. I have tried to get Fay Servicing to work with me towards a new modification or restructured loan but have not made any progress. They have not assigned my case to an account manager, they have not reviewed my current financial information, and seem to not understand the hardship that I have recently endured. As explained, my XXXX XXXX is doing well and is stableI am also going to be receiving some SSI benefits from my wife as well. I have had a change in my financial situation and can afford a fair payment. The issue is that the lender agents only give me the option of repaying all the missed payments at one time. I do not have {$22000.00} to pay them, but if they would work with me I can resume making regular payments and we can resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit card () with U.S. BANCORP (IL).
Issue: Rewards

Complaint: US BANK XXXX XXXX XXXXI am making a complaint in regards to my card Central Bill Account - XXXXBusiness Credit Card - XXXX. 

I paid {$60.00} for annual fee on XXXX/XXXX/2015. Per card member agreement, I have not received my anniversary XXXX points to my GOLD account : XXXX am pretty upset about the elimination of benefits and the poor marketing US Bank has done in regards to this card. In addition I do not get my annual bonus points. 

Please update my account and deposit the XXXX. 

Thanks. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (MS).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I use an app called XXXX. It allows me to receive paycheck funds early by tracking my location to tell when I 'm at work or not and can get my estimated pay for the shift I worked that same day. When my direct deposit goes into my Simple bank checking account, they automatically debit my account for what I withdrew and allow me to take more out. They 've sent me several notifications saying that Simple bank is not updating and reporting transactions to businesses and services I have my account linked with as often as financial institutions are supposed to send them. This is causing delayed balance updates and proof that I received my direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: RUSHMORE LOAN MANAGEMENT SERVICES, is attempting to foreclose on my home XXXX XXXX 2017 with an assignment that been robo signed. I asked for proof of claim and debt validation none of my request have been responding to. I also mailed a QWR, and it has been responded to either.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2012 ,  XXXX   2012  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation