milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2015 about Mortgage (FHA mortgage) with Selene Finance LP (PA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX was the originating mortgage holder and they did not pay my taxes after all monies were escrowed. they sold my loan to selene finance and they paid it after XXXX said they would but did not, but they paid it from my escrow acct not from funds received from XXXX and now have a shortage in escrow. selene finance then hit my escrow acct XXXX for homeowners insurance, was late with it and only paid it once in 2013 as the insurance company never received the second payment. now escrow is short yet again and my payement went up {$200.00} + a month. i have been trying to get this fixed to no avail, XXXX has tried from what they said in the emails i have from them but selene will not respond. planet home is the new servicer and has been trying but they keep getting wrong information about the problems. both XXXX have acknowledged the issue and see where the problem are but can not get my {$2000.00} + back without selene finance 's cooperation. this has been going on for over 2 years and do not know where to turn. all has been documented as well as numerous emails. 
please helpthank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am disputing a bill from XXXX and working to resolve the issue with XXXX. XXXX turned the b ill over to IC System, which called and wrote me. When I tried to call the number on IC 's letter, there was no answer. The company called several times but I told them I was disputing the amount with XXXX. Thereafter I have received as many as four calls a day, some late evening, from robocallers : no one answers, no human calls. I have a list of the numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 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: I pulled my report and found I had unauthorized inquiries on my account. I contact the source and they did nothing they said they had no information on my account. they have did nothing. I contact the Credit bureau as well they have not responded..

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeated asked Central Financial since XXXX of XXXX to provide verification of debt for {$100.00} that they are continuing to renew on my credit. Every 6 months, they are repeated renewing the collections of {$100.00} as if it is a brand new debt. According to their records and all the information they can provide me is that they acquired the debt from XXXX XXXX in XXXX. In fact, this should have NEVER been on my credit since I have insurance and have double coverage. My normal out of pocket is always {$0.00}. Why is it showing on my credit as if it was filed in XXXX of XXXX?????

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (CT).
Issue: Trouble during payment process

Complaint: I 've been trying to understand the process for termination of the PMI based on LTV and am getting an unsatisfactory answer.
My understanding is that the LTV is based on the appraised home value or the value of the house that the loan was based on and not the original loan amount. Currently all responses whether called or emailed or mailed have all referred me to the original principal amount ( which was a refinanced amount ).
I 'm looking for the true LTV please. What was the appraised value when the loan was originated ( I keep receiving by mail the original borrowed amount ) and why ca n't we determine value based on the current appraisal by an independent appraiser, or even the current tax bill?
This approach seems deceptive and it seems to obfiscate responsibilities by M & T Bank for additional years of PMI.

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 04/13/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: THERE ARE SEVERAL CREDIT INQUIRES RESIDENT CHECK, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, AND XXXX INQUIRES ARE ON MY CREDIT REPORT THAT HAVE BEEN DISPUTED SOME HAVE BEEN REMOVED BUT SOME REMAIN THAT DID NOT HAVE AUTHORIZATION TO PULL MY CREDIT REPORTS I REQUESTED VALIDATION TO SHOW WERE I AUTHORIZED THESES CREDIT INQUIRES AND IMPROPER RESPONSE WAS SENT BACK NOTHING SHOWING WERE I SIGNED TO HAVE MY CREDIT PROFILE PULLED

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with IBERIABANK (GA).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX, a XXXX XXXX XXXX check in the amount of {$12000.00} made payable to me ( XXXX XXXX ) for an injury payment from XXXX insurance was stolen. Although the check had been endorsed to my XXXX XXXX XXXX XXXX account, had the account number and " for deposit only '' on the back of the check, the thief was able to replace my name with their name and address on the front of the check ; replace my signature on the back of the check ; however, the account number or " for deposit only '' was not tampered with. The check had already cleared when I became aware it had not reach my financial institution. According to a copy of the cleared check I obtained from XXXX it looks like the check cleared or was deposited on XX/XX/XXXX at an Iberia Bank. Even if the " fake name and signature '' on the check matched, what is the probability that the thief and I had the same account number???? A police report was filed and I have been working through XXXX to get the issue resolved. I was initially told by XXXX XXXX ( My injury case manager at XXXX ) that the process could take up to 90 days and that XXXX XXXX XXXX would contact me and send a package of information to complete for its investigation. XX/XX/XXXX, I had not heard anything from XXXX XXXX XXXX so called and emailed XXXX XXXX. I did ask for points on contact for XXXX XXXX XXXX at that time ; however, I was informed he would be the liaison. this process was new to him as well and had been given guidance by his supervisor. There have be intermittent follow-ups. My last update from XXXX XXXX on XX/XX/XXXX ; he stated that XXXX XXXX XXXX was trying to get the Iberia Bank to make good on the check because it should not have been cashed and the outcome would be know on XX/XX/XXXX. I called ( left a voice message ) and e-mailed XXXX XXXX on XX/XX/XXXX after not being contacted with any new information. This lack of information has been occurring throughout and I think that i have been very patient during this wait time. I am totally exhausted at this point. I asked for information on points of contact at XXXX XXXX XXXX, file number associated with this case and other information as I needed to be much more involved and explore other options. I spoke to someone in this office ( Consumer Financial Protection Bureau ) and told how to submit a complaint on line. If your office can help in any way, I will be most grateful. I was also told to contact the Georgia Bar Association to get the name of an attorney in my area. ( Note : I think the check may have been stolen from my mailbox but am not certain. I send checks from my rental property to my bank that was as well and this has never happened ). Needless to say, I don't put anything of value directly in my mailbox anymore. 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 monetary relief
Consumer complaint received 07-06-2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Money was not available when promised

Complaint: Reciever did n't Get the Money on the Printed Date, not even y et.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft, dating back to 2009. I have extended fraud alerts and security freezes on all 3 of my credit files. I have made efforts to clean up any fraudulent information on my credit reports by sending  in copies of my driver license, social security card, police report, personal information update documentation, and 609 letters. XXXX XXXX and XXXX are no longer reporting any fraudulent information. Experian is. I have disputed the negative fraudulent account listed on my report for about 3 years now. They will not delete it, even after sending in all information by certified mail proving who I am and asking for validation of the account in question. They can not provide me any validation or proof that it belongs to me. It does not belong to me. I have never had any contract with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I believe I am a victim of deceptive practices performed by Equifax,   XXXX   XXXX    XXXX , and TransUnion. I am paying monthly fees to track my Fico score with Equifax,  XXXX , and  XXXX . I have applied for  XXXX  loans and each time I was denied by the lender because of the scores reported to the lender by Equifax,   XXXX   XXXX    XXXX , and  XXXX . Equifax has consistently reported a much lower score to the lender than the score I purchase from them every month. I should be entitled to know exactly what Equifax is going to report to a lender before I apply for any loan. This way would save everyone time and embarrassment. Because of the  XXXX  different numbers presente d (   XXXX  to me and a different number to the lender  ) Equifax ha s lied about providing me access to my Fico score. I filed a complaint with Equifax and   XXXX   XXXX    XXXX  in  XXXX  through the Illinois Attorney General   (    XXXX   reference   XXXX   ) and I  got no results. I was denied a loan on  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  based on information received from Equifax and   XXXX   XXXX    XXXX . I was also denied a mortgage loan on  XX/XX/XXXX  based on information from TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (VA).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle from a used car dealership XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2012. Westlake Financial Services XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. The car was a lemon. It broke down completely and I returned the car to the dealership on XXXX XXXX, 2012. The car was towed back to the dealership. Westlake Financial has been reporting to all XXXX credit bureaus that I still owe the full amount of the loan with wrong information and refuse to remove this or the debt. Truly a horrible nightmare experience dealing with them, the dealership involved, and the credit bureaus. I 've been disputing this for years with no resolve. This is making a negative impact on my credit reports and life. It 's preventing me from having any credit from other lenders or even my own bank because it reflects the entire balance as a charge off. I want others to be aware and stay away from them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: An additional complaint against Experian. I requested my credit score from Experian and in the process of paying for this score, I was also asked to create an account. I was faudulently charged {$39.00} instead of {$4.00} for this experian credit score, and I submitted a complaint to the CFPB ( # XXXX ). Thereafter I called Experian to inform them that I filed a complaint with the CFPB against them and wanted to provide Experian with the complaint number, only to be informed that the {$4.00} was for the 1st month and that I would be charged {$19.00} thereafter for a monthly membership! A fact I was not aware of until I called Experian to provide my CFPB complaint number to them. I never signed up to be a member of the club of consumers requesting their credit score, that makes no sense. The Experian representative informed me that the membership information and charges were tucked away in the terms and conditions link. I informed the respresentative that such information ( charges, any sort of membership etc, etc ) must appear upfront and not in any terms and conditions. I never clicked on or read the information in the terms and conditions, because {$4.00} was such a small amount. 


I told the representative I never agreed to any membership or any membership fee, and that I wanted to cancel this " membership. '' While on the phone with this representative I also asked her where in my experian account online could I cancel this " membership? '' The representative informed me there was no way for a person to cancel the membership online, and that anyone wishing to cancel their membership must call Experian to cancel, this is despite the fact that I created the account online. So I had her cancel the membership. 

Though my complaint is technically resolved, the CFPB should be made aware that there are millions of other consumers that would no doubt have fallen victim to Experian 's fraud.

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 02-07-2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (NE).
Issue: Trouble during payment process

Complaint: To Whom It May Concern, We have home loan with Loancare and the monthly mortgage has been paid through auto-payment of XXXX XXXX which has been running smoothly since XX/XX/XXXX. Considering the payment due date is the XXXX day of each month, we set the online payment on XXXX each month from the bank to make sure it will arrive on time. The monthly payment is {$1800.00} per month. 

This week, we received a delinquent notice from the company, being notified that we haven't paid the mortgage for XX/XX/XXXX and XX/XX/XXXX. We checked with our bank and confirmed all the monthly payments were made regularly as usual. When contacting the LoanCare company through the phone, we found out that the company didn't accept our two auto-payments in XX/XX/XXXX ( for XX/XX/XXXX ) and XX/XX/XXXX ( for XX/XX/XXXX ) as regular payments and instead considered them as non-regular payment that directly went to principal balance. They told us that the monthly rate has been adjusted, from {$1800.00} to {$2000.00} since XX/XX/XXXX ( because the escrow adds insurance for year XX/XX/XXXX without confirming with us, given the fact that we paid insurance by ourselves last year ) so not paying the full amount ( with ~100 difference ) has been considered as non-acceptable payment. This has been reported to the credit bureaus and we have been charged with {$69.00} late fee for the same reason. 

We haven't received the payment adjustment notice as they claim sent out in XX/XX/XXXX, nor we were expecting such an adjustment. 

To avoid any further consequence, we have made a new payment today for the full amount the company requested again ( {$4100.00} ), which is indeed the SECOND payment we made for XXXX and XXXX, respectively, plus late charge. 

Not talking about the inconvenience brought for our financial plan, we are concerned about the good standing of our credit we have been working so hard to build. We consider this as a serious miscommunication from LoanCare side. Since their customer representative told us over the phone that she can not do anything at this moment and suggest us to make a dispute. 

We would appreciate if someone can give us some suggestions and assistance on this issue.

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 10/17/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax suppose to have investigated a Tax lien that is showing up on my credit report for {$1100.00} which is incorrect yet they are saying it is reporting accurately. Tax Lien Reference # XXXX. Please be advised that this is my SECOND WRITTEN REQUEST asking Equifax to remove the unverified account listed below that remain on my credit report in violation of 15 U.S.C. 1681. They are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the correct name of that individual, their business address, and telephone number because the number you provided was n't correct. 
XXXX Law Dictionary, XXXX Edition, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Okay so I tried to purchased a car around XX/XX/2017 and the dealer mention 3 accounts that are reported to my credit which they do not belong to me ... I been receiving missing payments notifications from XXXX XXXX   yet when I try to view the missing payments I can't never find them ... I had contact trans union and I have not heard from them.. the accounts do not belong to me and is affecting my credit score .. can someone please 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 12/23/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management is constantly calling my phone about a debt that I DO NOT OWE!!! I just want them to stop calling me. I once asked about the debt and they WOULD NOT tell me what the debt is or was.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Consumer Loan (Installment loan) with Kinum, Inc. (CA).
Issue: Managing the loan or lease

Complaint: Instrument Rental : KINUM XXXX Kinum was the Instrument rental company that my Son 's school ( XXXX XXXX XXXX in XXXX Texas ) used. 
XXXX of 2013 the Instrument was returned to Kinum. My Son passed away XXXX XXXX 2013. These villains are still showing this as a collection account on my credit report. I am not in possession of the receipt or the musical instrument. Kinum took the instrument as well as the receipt when I brought the instrument back to XXXX XXXX XXXX in person. They told me they needed the receipt to conduct inventory and that they would mail the original receipt to me. Something they obviously never did as promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: We have recieved several letters in the mail about our home being sold at foclusure auction. We have now received a letter of unlawful detainer from the court and an eviction notice. We have been trying for serveral months to get a loan modification but to no avail. We have also tried to make numerous payments and each time were told that more money was needed than we had available. My wife suffered a serious accident at work and has been on teporary  XXXX  and the mortgage company was also told that. We are trying to clear this up and find a resolution so that we dont have to leave our home. Please help us we are stressing out about this and have tried to call the mortgage company which told us they would call us back by  XX/XX/XXXX  and we have not heard anything back from them yet. Thank You   XXXX   &   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation