milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (ID).
Issue: Loan modification,collection,foreclosure

Complaint: Case number : XXXX Filed XXXX/XXXX/XXXX I filled bankruptcy, including my mortgage with Rushmore Loan Management in XXXX and it was discharged XXXX XXXX, XXXX Creditors are supposed to cease reporting negative items after the notice of bankruptcy being filed and creditors discharging items. I am protected through the bankruptcy against any further consequences for this loan. After several credit disputes, Rushmore continues to report derogatory information on my credit reports. They will not remove the comments " settled for less than the amount owed ''. This comment along is not allowing me to get a mortgage to purchase a new home. ( XXXX was the lender at the time of the Bankruptcy ) Rushmore response XXXX/XXXX/XXXX We have conducted an investigation and corrected the error asserted within the received correspondence. Rushmore has confirmed that the Chapter XXXX Bankruptcy case you filed was discharged on XX/XX/XXXX. Please note that Rushmore submitted an update on XXXX XXXX, XXXX, to the main credit repository agencies to reflect the Loan as Closed, Discharged Chapter XXXX Bankruptcy. Please allow 30 days for the credit bureaus to update your account with them. We apologize for any confusion or inconvenience this matter may have caused My current complaint that still needs resolution. XXXX/XXXX/XXXX The words " settled for less than owed '' are the words that still need to be removed. This is the statement that is not allowing me to get a new home loan. I filed the BK over 6 years ago and this does not affect my ability to get a home loan. What I need the letter to say is " to remove all working related to settled for less than owed. '' What it should say is just Ch XXXX BK and give directions to the XXXX to remove all other verbiage more specifically to remove the " settled '' verbiage. I discuss the last letter you sent with the Bureau 's and unless it tells them to remove the " settled '' working, they will not remove it. Again, this is the working that is not allowing me to get a new home loan and as I file BK against the loan XX/XX/2009, I am no longer responsible for the loan and it can not go against my credit after the BK. Please address this issue immediately so I do not lose the home that I have an offer on.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
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: On XXXX/XXXX/XXXX, I submitted a request to Transunion asking to have XXXX public records deleted from my credit report because they no longer met the new minimum federal guidelines for reporting. Transunion responded by stating the information was correct ; but they never addressed the initial request to remove the aforementioned items because they did not contain the minimum consumer identifying information. I submitted a second request on XXXX/XXXX/XXXX and included copies of the public records with the missing consumer information, however Transunion has failed to respond.

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 03/24/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage misappropriated a refund check from our insurance company to our escrow account to our principal. This was done even though we sent the check with a letter stating exactly where the money was to be placed. They gave us the language to use in the letter. This error was not realized until there was an escrow analysis done and we were notified that we had an escrow shortage. There was no way to access our escrow account on line and we were unable to see the running balance. We contacted Freedom Mortgage and they said they would investigate. Without contacting us they transferred money from our principal to the escrow account. This was an issue as they did not apply it to the escrow shortage account, therefore we were still showing an escrow shortage. This issue took 10 phone calls and 20 hours. We are still paying money to this shortage and we are not convinced that there is an actual shortage because they have not provided evidence. We asked to have our PMI removed and were told we needed to have an appraisal. We have paid for the appraisal from their providerand submitted to Freedom Mortgage. When we call customer service they say that we were approved to have PMI removed from our account on XX/XX/2017. We have received no notification from freedom mortgage. We paid the PMI for XX/XX/XXXX as it was still indicated on our bill. If we did not pay it would be denied as an insufficient payment. Our XX/XX/XXXX mortgage payment still indicates the payment required for PMI and we are still paying the escrow shortage!!!!!!. We have called every day and we are told that they are emailing the escrow department. There is no one to speak to. You can either get a very sympathetic customer service representative who tells you that they are sorry and they know that this is wrong, or you get someone who is very rude. If you ask to speak to a supervisor they put you on the phone with a deescalation member who is not a supervisor. There is no accountability with this company they give empty promises of sending e mails to the department that can help you and than you never hear back. We asked to pay our own taxes and insurance an we were told since our PMI cancellation was approved we were being released from that obligation. When we called to ask why our bill still has us paying taxes and insurance to escrow we are told they may want to wait a few months to make a payment in XX/XX/XXXX? We never speak to a bank official we only speak to customer service representatives who have no definitive answers. This company is a predatory lender they use smoke and mirrors to misappropriate funds and they are not servicing my loan appropriately.

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 08/22/2017 about Checking or savings account (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I 've been having problems with my checking account and overdraft charges. It 's gotten so bad that I 've been sending my auto loan payment in to the same bank late now for a few months. Is there anything I can do to try and get these fees refunded to me so I can breath again?

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX OF XXXX XXXX XXXX date of servicedid not bill insurance company evertried to collect from XXXX XXXX XX/XX/XXXX after sold to XXXX XXXX systems. XXXX was insurer of record and verified coverage and that XXXX has no obligation to pay. Now " debt '' sold to another entity XXXX XXXX XXXX XXXXand Dynamic Recovery Solutions is now billing XXXX XXXX for same {$630.00} which he is not obligated to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Checking or savings account (Other banking product or service) with NAVY FEDERAL CREDIT UNION (NV).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Electronic funds was deposited into my account. A monthly stipin from the department of treasury from the Veterin Affaris ; this is government issued pay ; not earn income. The first stipend from the VA includes back pay ; {$XXXX} ... ; going forward it will be {$XXXX} ... This money is suppose to be protected/expect from guarnesment. The moment the money was deposited in my account the same bank stole it to pay off previous credit card debt that was written off by the bank. This will cause financial hardship if this money issued back to me. Please help ; my and my family livelihood is relying on this money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am Submitting in Writing All My Proper IDENTIFICATION ... .INCLUDING MAIL RECEIVED AT MY ADDRESS. MY CERTIFIED MAIL SENT INTO All XXXX CREDIT BUREAU 'S and the C.F.P.B. In XX/XX/XXXX which I still have the Hard Copies of the Packets with Each Receipt and Verified Signed for by Whom Sent to ALL PARTIES. I had All the Proper Identification etc. needed but I have HAD NO RESPONSE TO ANY Of This Or Any FOLLOW UP. Submitting Again in XX/XX/XXXX all Correspondence needed for My Complaints Filed XX/XX/XXXX & XX/XX/XXXX Including the Proper Identification Needed to Take this SERIOUS..!!! 
Here are the Four COMPLAINT FILE # 's Case Number:XXXX ... ... ... ... ... ... ... .... Case Number:XXXX ... ... .... Case Number:XXXX ... ... ... ... ... ... ... ... 
.... Case Number:XXXX I am Not Allowing this to BE IGNORED AGAIN ... .after 1 1/2 YEAR DILIGENTLY Addressing and to Consume All My Time of Nine Months ... .Enough is Enough. 
I have More than SUBSTANTIATED DOCUMENTS to PROVE INCORRECT REPORTING AS WELL AS FALSIFIED DOCUMENTS of Reporting on MY CREDIT BUREAU FILE. 
If this is Not CORRECTED within the next 2-3 WEEKS, I Have been through so Many 30 DAY INTERVAL of Awaiting Responses for NO CORRECTIONS Being All PROCESSED. 
YOU Leave Me With the Only Other Alternative to Take ALL this to the NATIONAL NEWS PRESS Who Has Already Expressed Wanting This Information. I AM NOT GOING TO BE TOLD THAT THE SYSTEM Is COMPUTERIZED IN ASSESSING OUR FICO SCORE. 
It Has to BE Programmed by a Human, so When Our Scores are DELETED Due TO INCORRECT REPORTING or FALSE INFORMATION SUBMITTED BY A CREDITOR OR COLLECTION AGENCY and then Explained about how the System does our Scoring, DEDUCTS but Can not ADD It BACK AFTER YOU Have Proven with SUBSTANTIATED DOCUMENTS Incorrect, I am not BUYING THIS CAN NOT .... ADD MY SCORE BACK That Was WRONGFULLY DEDUCTED. THIS IS NOT ONLY UNJUSTIFIABLE but VERY DEMEANING To Any INDIVIDUAL. I EXPECT TO GET MY SCORE REDONE ( XXXX ) not to Receive Some Lame EXCUSE that it Ca n't BE Done ... Then YOU Need to GET THIS PROBLEM CORRECTED TO ADD BACK The SCORES WRONGFULLY DEDUCTED. 
I know I am Speaking and Supporting Other Consumers who have been Unjustifiable Treated the Same Way.

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 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was given which is also a violation and I am requesting that all inquires be removed.

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 05/20/2015 about Debt collection (I do not know) with NELSON AND KENNARD (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was contacted by mail on XX/XX/XXXX by the law firm of Nelson and Kennard. In the letter it was stated that they had obtained a judgment against me on behalf of their client XXXX XXXX XXXX XXXX. They then stated that I had an outstanding judgement balance of {$10000.00}. 

I have never received any paperwork notifying me of a lawsuit and in fact the original debt was by my records charged off in XX/XX/XXXX. 

I had moved on XXXX XXXX of XXXX and on XXXX XXXX of XXXX so if they had served the paperwork to an old address it was n't to me. 

Furthermore I just received a phone call from one of their representatives at work. 

I think it will go a long way if the Bureau of Consumer Financial Protection contacts Nelson and Kennard and just ask some simple questions. Like " When did you supposedly sue this person? Do you have court document showing proof of service? Who signed the proof of delivery? Show us documentation proving you have the right to collect this debt? " Please help as I do n't know who else to contact and really need a help from your organization to help with this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (I do not know) with CNG HOLDINGS INC (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received a phone call from a representative of XXXX XXXX XXXX advising me that they are attempting to collect an unpaid debt for furniture delivery in Florida. I immediately thought this was a fraud, and I advise the person that I was hanging up because I 've not purchased furniture and do n't even live in Florida. We conversed more and I found that somehow someone opened an account with my credentials with a company named XXXX XXXX XXXX  to purchase furniture - I was even given the address - a 'manager ' of this credit services company was the one whom provided me with this extra information and assured me he would send this case back to the leasing company. 
I immediately looked up this leasing company and called in attempt to clarify this - I was unable to speak to a 'person ' but was able to leave MULTIPLE messages. To date no one has contacted me. 
Pulling up my credit report after the XXXX security breach I noticed a collection account listed for {$1800.00} from XXXX XXXX XXXX, I also see that one of my past addresses listed is FLORIDA? I 've NEVER lived in Florida - I can provide any proof needed and can attest to the fact that I have NEVER lived in Florida and have not opened any account from XXXX to purchase furniture. 
PLEASE CLEAR THIS OFF MY REPORT as this is FRAUD/I am attempting to purchase property and this should not be on my report - I believe this leasing company did not have a valid right to open an account under my credentials. How could this happen? This is completely false and illegal!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (Conventional fixed mortgage) with KEYCORP (CT).
Issue: Settlement process and costs

Complaint: I previously applied for mortgage with First Niagara ( now KeyBank ). We made it to the cleared to close stage and had scheduled a closing. However, we discovered the seller actually did not have bank approval to sell at the agreed price and we withdrew from the sale and mortgage. We received an application withdrawal acknowledgement from the underwriter. No closing occurred and no mortgage documents or promissory note was signed. However, recently KeyBank has created the mortgage accounts for the amounts in the withdrawn application and is attempting to withdraw payments from our checking account. I also discovered that they have furnished the information on this mortgage to credit reporting agencies. We then sent a dispute letter via certified mail to the bank and hand delivered copies to the local branch manager and our loan officer. Since then the bank has had the collection department contact us and demanding payment on this non-existent mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear sir/madam, as I was going through my credit report on Experian and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX or any of their affiliates should remove such negative and false statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: XXXX XXXX XXXX keeps calling about a private student loan that was not signed by me. I have the documents that shows no signature. This loan is a school loan through XXXX. I did not take out private loans for this school.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been disputing several issues with Equifax for quite sometime now. Several of the issues have been investigated, completed and resolved. Each and every time when I filed my dispute, I specifically requested that Equifax must send me an updated report. I have been asking this, via telephone and mail, many times to Equifax to send me all pages of my updated credit file for my information, verification and records. They have not yet send me a full file copy of Equifax credit report since the completion of my last Equifax dispute and investigation request. I NEED HARD COPY OF MY CURRENT Equifax CREDIT FILE. Equifax must send me copy of my full credit report. Equifax should immediately send me all pages of my full Equifax Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax got hacked and from the website they set up, it looks like I potentially got affected. I am displeased and am trying my best to get myself protected with credit freezes ( and additional monitoring of any identity theft ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with American Student Assistance (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: American Student Assistance purchased this debt from XXXX and decided to temper with the original dates. I contacted XXXX to inquire about the date of delinquency in this account which was the first day after I missed a payment XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above and admitting to the last payment date ... American Student Assistance provided fraudulent information to the credit agencies to default the loan at a later date so the status of limitations can be changed giving them a longer time to try to collect. Negative account information should not be reported after 7 years from the delinquency date which was XXXX XXXX 2009. Yet till this day American Student Assistance is posting negative information and their customer service is unaware of federal regulations and ignore my submitted documents that I provided. American Student Assistance should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Telephone bill from XXXX sent to Diversified Consultants ( DCI ) for collection while I was disputing the amount owed. I was contacted by DCI and again, I notified them the amount owed was inaccurate. Eventually, we agreed on a settlement amount which was verified/confirmed via letter from DCI stating the terms of the agreement. Payment plan was arranged and agreed upon to settle the debt in 3 monthly payments. I was told if I agreed to automatic payments, no further action would be taken. therefore I agreed to ACH debits from my account. 1st payment was submitted at time of agreement, 2nd payment withdrawn from my account one month later ; however, 1 day prior to 2nd payment being withdrawn, DCI submitted this account as a collection on my credit report, which, in effect, caused financial harm by preventing me from closing on my home which was in escrow at time of occurrence.. I have spoken with XXXX different 'managers ' at DCI whom responded they will only update the entry to 'Account in Dispute ' which of course does n't change anything and is of no benefit in rectifying this situation..

Company response to consumer: Closed with explanation