milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: XXXX XXXX respond to the complaint, and only resolved 1/2 of the problem. BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to XXXX on 7 occasions ). This ongoing issue with XXXX is hurting our credit score and the ability to get a mortgage. 
Below is the email that I sent to XXXX on 4 occasions, going back to XXXX, 2017. 
Hello XXXX, Once again thank you for sending the summary / account activity report on our account. 

Please note the following as to our account. 

We have been and continue to make two payments per month. Each payment is for {$1200.00}. We have been making these two payments per month for over 2 years. 
Per your predecessor, XXXX XXXX XXXX, your company did not process the two payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account.
The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. 
In closing the following corrections should happen to our account. 

1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments.
2. Our account should not show ANY late payments.
Thank you in advance for correcting these errors on our account. 

Please feel free to contact me with any questions. 

Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am just trying to get my financial situation in order and was looking at taking care of my student loans and was dumbstruck at the interest charges on my loans. I started with an initial XXXX loan and now I am owing over XXXX! This is outrageous and no wonder people are in debt until they did for trying to pay these off!

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. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I pulled my credit report from all three bureaus and realize that there is an account I don't recognize. I wrote a littler to all bureaus stating ... 

" It has come to my attention that you are reporting an account that I do not recognize [ XXXX XXXX ]. After pulling a report from all three bureaus, I noticed that the account type is listed differently with each bureau, the open date is different, the past due amount is different, monthly payment is different, original limit and high balance lists different amounts. 
A few years ago, I was a victim of Identity Theftcopies of the police report and FBI agent contact information was sent to you at the time. To my understanding the law allows me to ask for all the documentation associated with this accountany detailed proof and/or copies of the original contracts and signaturesas I need to compare and match with my records. 
Please send an updated copy of my credit report to the above address ; in addition, I request that you send notices of corrections to anyone who received my credit report within the past six months. ''

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 12-07-2016 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Using a debit or ATM card

Complaint: I filed a dispute for an unauthorized charge to my debit card. I also filed a police report for theft relating to the same matter. The BMO Harris XXXX failed to obtain the police report number, XXXX contact information, contact information for the local police office, etc., to investigate, and did not contact the authorities at any time. Instead, I received a letter from BMO Harris stating that my claim was denied, and closed. 

In short, I used my debit card at a XXXX gas station located in XXXX, IL. I inserted my card at the pump, and proceeded to pump XXXX gallons of gas into my portable gas can. After a few days, when reviewing my checking account activity online, I noticed I was charged {$58.00} for what was a {$6.00} purchase. 

I have been in contact with the corporate office of XXXX, and with BMO Harris, my debit card provider. 

I filed a police report with the XXXX Police Department. I also filed a dispute for the charge with BMO Harris, per the recommendation of the representative from XXXX XXXX she told me there was nothing more they could do because there was an open and active police investigation pending ). 

As of XX/XX/2016, I received a letter from BMO Harris denying my claim. 

Apparently, XXXX somehow generated a receipt showing XXXX gallons of gas purchased at a cost of {$58.00}, and BMO Harris simply accepted that as a basis for denial of my claim without noting the police report of theft, and without taking any information pertaining to it, and without contacting the XXXX Police Department. 

When I called to ask about this, the representative I spoke with ( not in the dispute department, simply a call center representative for all banking customers XXXX told me after he put me on hold that he spoke with the XXXX and attempted to pass along the police report number, XXXX name, and contact information for the police department, but was told by the XXXX that she would not look at the information or take it into account. He apologized and told me there was nothing he could do. 

If all other factors are ignored in this case, at the very least it should be noted that my vehicle according to the owner 's manual has a fuel tank capacity of XXXX gallons. It is not possible for me to pump XXXX gallons if I wanted to, notwithstanding the fact that I only pumped XXXX gallons into a red plastic portable gas container for my lawnmower that 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 02/24/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I attempted to refinance with Quicken Loans, after 4 months my application seem to be stalled somewhere within the company. 

After a lot of fighting, I am presented with a redisclosure packet that has terms that are not even remotely close to the terms originally offered - points added, lender credits removed, closing costs not paid by lender - despite having perfect XXXX credit, more than 60 % equity in my home, and {$250000.00} in annual income backing a $ XXXX loan. 

I believe they are in violation of 12 CFR 202.9 of the ECOA, due to not notifying me of an adverse action for 30 days, along with various portions of TRID, due to removing lender credits without giving a specific reason.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (I do not know) with Allied Interstate LLC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Allied Interstate, XXXX has called constantly for the past several days. it is not even XXXX pm today and has called me 5 times with no messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have sent Equifax XXXX separate letters challenging inaccurate information on my credit report. There is an account that is reporting a balance inaccurately, XXXX XXXX XXXX, and we have attempted to contact this company directly but the address they published on my credit report is inaccurate. Equifax claims to have " verified with creditor '' and I believe this to be false. How can Equifax verify it when I 'm the proposed Debtor and the company has n't even verified with me. Unbelievable and does n't seem fair. I need help getting Equifax to remove the negative balance on an account that should n't be reporting a balance in the first place. This is keeping my family from getting a new home and we are prepared to file a lawsuit against this company. Attached are the supporting documents for our claim. Thank you*** Attached is my credit report & returned mail for XXXX XXXX . On the last page of my credit report you will see the address published and on the returned letter you will see the same address***

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage is in foreclosure and I have filed for a loan modification. I have filed all the paperwork involved. This package was completed and submitted by XXXX/XXXX/16. My understanding is that under CFPB rules the bank had 30 days to respond to my loan modification submission. This has not happened. We are in mediation within the state of New Jersey and I believe that the institution involved, Ditech, is dual tracking this foreclosure action and not negotiating in good faith. I have asked for all original documentation and wet ink signatures regarding this mortgage and they have been unwilling or unable to provide the documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (VA mortgage) with STONEGATE MORTGAGE CORPORATION (OR).
Issue: Settlement process and costs

Complaint: In the middle of refinancing our VA mortgage, our current mortgage servicer ( Stonegate Mortgage ) contacted us and promised to beat any offer we had to refinance through someone else. We provided Stonegate with the Good Faith Estimate we were working with and they gave us a better Good Faith Estimate giving us a rate of 3.625 % and them contributing all of the funds for closing costs. After providing Stonegate with all of the documents they delayed several weeks ( causing the rate lock to expire ) and are now saying they can only give us a 3.75 % interest rate and that we will have to come in with several XXXX dollars for closing costs.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Mortgage (FHA mortgage) with Seterus, Inc. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: My ex filed bankruptcy on a mortgage for a house that we are both on the loan. For 2 plus years I have been trying to find out if the mortgage payments were being applied correctly and if their was a monthly mortgage payment that was missed. Never have I received any correspondence from them nor have I been told on the phone whether or the monthly mortgage payments were made and if any payments were missed. Back in XXXX of this year ( 2016 ) when I called once again about the mortgage trying to get information they finally told me that the mortgage had been behind XXXX for over a year and they were charging me late payment fees of {$500.00} and inspection fees of {$310.00}. A lady named " XXXX '' told me to write a letter to Seterus explaining that I was never told for over 2 years about any late payments and never received any letter in the mail and that since I made a good faith effort in catching up the mortgage payments that she thought I had an excellent chance to get the fees waived. Well today, XXXX XXXX, 2016 I just received the companies response back and they denied waiving the fees. I called them immediately at XXXX and their csr whom I spoke to agreed that their was no way for me to know about any payments, payment history etc but she was unable to do anything about it. In addition they are now reporting it as negative on my credit report which again, I had no way of knowing whether or not the mortgage was behind.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-11-2015 about Student loan (Non-federal student loan) with ACS Education Services (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Following the complaint I filed last month ( Case Number XXXX ), XXXX XXXX of ACS stated that on XXXX XXXX, 2015 {$12000.00} was deposited into my bank account electronically. 

First, no funds have been deposited into any bank account I control. Upon discovering this, I have made repeated calls and emails to ACS and XXXX XXXX for over a week. Thus far, none of them were returned. By calling the main line, however, I was able to speak with a base level customer service employee who informed me that the {$12000.00} was sent to an account with XXXX XXXX XXXX. I have no XXXX account on file with ACS, the XXXX account I once had was closed a long time ago and all references were deleted from my end of their system in XX/XX/XXXX and updated to XXXX XXXX XXXX. I do not know why ACS sent the funds to XXXX, nor do I know who currently is holding those funds, but I do not have any accounts with XXXX and can prove that fact. Consequently, no funds have been returned to me, despite XXXX XXXX 's claim that they were. 

Second, I did not authorize this transaction. In fact, when I became aware of the situation, I left XXXX XXXX a voicemail indicating that I wanted to be fully informed of the financial ramifications and how interest would be calculated prior to any action. No authorization was made. Had XXXX XXXX called me back, I likely would have refused the refund or, at the very least, informed him of the proper place to send the money. 

Third, I have repeatedly called XXXX XXXX and the Resolution service of ACS and no one has returned my calls. I have also emailed them and have received no responses. The only success I have gained is with base level customer service, but they are unable to help me and were merely able to inform me that the money was sent to XXXX XXXX XXXX. 

As it currently stands, it appears that ACS has taken {$12000.00} and it appears they have no interest in even discussing the matter with me directly. 

Surely, if this remains uncorrected it must be a violation of civil and criminal law. I ca n't imagine you can simply seize over twelve thousand dollars without any repercussions. There must be some form of fiduciary duty in play with regard to the payments that I had already made to them. I can not imagine that ACS is allowed to erase past payments without authorization, and then send that money to a random XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a dispute with court documentation about a collection agency on my report called XXXX XXXX XXXX over 30 days ago, and I have not received a response from all 3 credit bureau 's.

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 06-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Georgia State Tax Lien was placed on my Trans Union credit report on XXXX/XXXX/XXXX. This Lien has been Released by the State of Georgia, though they state it is up to the credit bureaus as to when they will remove the lien from my report. This Lien was filed in error and was originally paid back in XX/XX/XXXX. The state of Georgia has released it and stamped it as satisfied, and I disputed this with Trans Union but the refuse to remove the lien.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX inquiry XX/XX/XXXX did not authorize Exeter Fin inquiry XX/XX/XXXX did not authorize XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiries XX/XX/XXXX and XX/XX/XXXX did not authorize XXXX XXXX inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX did not authorize XXXX/XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX - XX/XX/XXXX inquiry was not authorized XXXX XXXX XX/XX/XXXX did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unlike XXXX and XXXX, Equifax has merged my credit report with that of my sister. I disputed all of the inaccuracies with Equifax almost a month ago. For the disputes to be processed, I faxed them a copy of my driver 's license and social security card, uploaded a colored photo of my driver 's license and social security card on the dispute page on their website and e-mailed them a colored photo of my driver 's license and social security card at XXXXXXXXXXXX. YET they still refuse to process my disputes and keep sending me emails ( where they address me with my sister 's name instead of my name ), asking me to fax them a copy of my driver 's license and social security number. I sent them numerous e-mails on different dates ( please see attached ) yet they still keep asking for the very information that I already provided them!

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Bank account or service ((CD) Certificate of deposit) with TCF NATIONAL BANK (CO).
Issue: Account opening, closing, or management

Complaint: TCFbank lied about renewal rates on a 15 month cd also their early termination fee on a cd is extremely unfair example on a 1-5 year cd XXXX months interest is average that would amount to {$30.00} their fee is over XXXX!!!!!!! 

attn 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 02-10-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: I had an account with Bank of America, I was applying online for jobs and I received an interview for a customer service position ; I was told that I will get sent a check to purchase items for the job. Once I received the check I deposited and Bank of America informed me that the check was a fraudulent check I told them what happen and I received XXXX msg fees because XXXX pending transactions posted ; the rep informed me to write a letter exposing what happen and pay the fees and nothing would be reported to XXXX but I will not be able to open another account with them, I did What he told me and assumed I was told the truth years later while in the process of buying a home I 'm told that I was reported to XXXX as a fraudulent account this is not my fault I thought that this was a legit work from home job as I 've worked for XXXX for years ... and the representative at that time told me I would be okay ; it should not be okay to be lied to I do n't owe Bank of America any money and now I 'm being block from providing for my family because I thought my Bank would protect me but I was lied to did what I was told never committed any fraud ; all because I deposited a check that I received in the mail to to start a job that I thought was legit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (NJ).
Issue: Trouble during payment process

Complaint: PHH Mortgage Corporation ( PHH ) conspired with my XXXX XXXX XXXX ( XXXX ) XXXX to steal my {$250000.00} co-op unit with an {$85000.00} XXXX XXXX backed mortgage and knew that XXXX unlawfully seized my co-op unit onXX/XX/XXXX. XXXX did not have a warrant or judgment in violation of Recognition Agreement which was signed by PHH, XXXX and me. XXXX claimed that it unlawfully seized my co-op because I did not pay {$8100.00} in alleged past due maintenance. PHH was under contract to intervene, pay past due {$8100.00} maintenance if necessary or sue XXXX board for violating the Recognition Agreement. Instead of enforcing the Recognition Agreement or Loan Share Agreement with XXXX XXXX, PHH did nothing to help me get back my co-op unit and worked with XXXX to make the theft of my co-op unit permanently. 
On XX/XX/XXXX, PHH and XXXX tried to sell my co-op unit in a private sale. 
From XX/XX/XXXX through XX/XX/XXXX, PHH in violation of our Recognition Agreement reported my mortgage late to credit card bureau knowing that I did not live in my co-op unit, was being illegally barred from my co-op unit by XXXX since XX/XX/XXXX to damage my credit. PHH refused to allow my mortgage to go into foreclosure to cover-up the crime committed against me. 
On or about XX/XX/XXXX, XXXX notified me of illegal sale of my stolen co-op unit on XX/XX/XXXX, and surplus {$100000.00} put it in XXXX XXXX XXXX of New Jersey. 
On or about XX/XX/XXXX, PHH sued me in case XXXX XXXX vs. XXXX XXXX which PHH was not a party for the entire {$100000.00} to circumvent mortgage foreclosure laws. According to my XXXX for XX/XX/XXXXmortgage statement, I still only owed {$85000.00}. On XX/XX/XXXX, NJ XXXX XXXX XXXX XXXX opposed PHH Motion. PHH hired new attorneys and put through the same lawsuit in XXXX XXXX on XX/XX/XXXX, NJ XXXX XXXX XXXX XXXX XXXX opposed its motion. 
On XX/XX/XXXX, I received a letter from PHH claiming my mortgage was paid in full. I have enclosed a Certified Letter to XXXX XXXX XXXX XXXX XXXX New Jersey dated XX/XX/XXXX, to see PHH collected any money from my stolen co-op. 
XXXX and PHH broke into my unlawfully seized my co-op, stole all of my belongings and illegally sold my co-op unit. I did not receive a penny. 

PHH was a part of the criminal ring and continued to report my mortgage late to credit card bureau through XX/XX/XXXX, knowing that I was unlawfully barred from co-op unit since XX/XX/XXXX, and XXXX illegally sold the co-op on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation