milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Fifth-Third bank had sent me a letter ( attached ) demanding that l sent to them the sum of {$1800.00} to update my loan file and bring it current by XX/XX/2017. l complied with the request, sending in {$1900.00} not minding that the company has no basis for their demand because l have series of payments in the amounts of {$430.00} ( usual mortgage payment for {$420.00} PI and additional {$9.00} for principal reduction ) and {$500.00} ( escrow ) sitting unapplied on my accounts. WhatThis check was returned to me with letter ( attached ) saying that it was not enough to off my loan. had happened was l was late on my taxes and the bank paid it but when l started getting more than double the amount of my mortgage because of this escrow gauge, l had called and spoke to one of the reps who told me if l wanted to pay off the escrow, all l needed was to bring in about {$3400.00} once. Also when l got this letter l had called the number given to me on the letter over and over and could not get connected. l made frantic efforts to reach the customer service number XXXX, up to 4-5 times, none of the people l talked to could help me either. Sometimes, the machine will attempt to connect me to the right department but it did always end up cutting off ( dropping ). Frustrated, l took my case to the branch where XXXX ( XXXX ) told me the escrow balance was {$2400.00} and I gave him the check right there to pay it and advice the right department to apply it to liquidate my escrow. This is in addition

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Medical) with Strategic Alliances, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the debt with tax offset and it has been transferred to another debt collector. And it has been added back onto my credit report when it is showing on my credit report to have been removed on XXXX, after the tax offset payment in the amount of {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I put in for a loan modification and it was denied, they stated I didnt provide proof of income, and the {$6800.00} was not enough to sustain a mortgage and they never received payment to show good faith.I dont even know how much to pay because they never told me. They said they sent letter.. which is not true. They told me to put a loan number on my moidification forms that was different from the loan number on there papers, when I asked about it they said that was the loan modiication number. while i waited for an answer on my modification my loan was transferred from XXXX to XXXX to XXXX back to XXXX and now they have it with a company called Rushmoore loan servicing which told me i needed to re submit all paper work because the other was out of date. Now they started foreclosure proceedings and I dont now what to do. I sent the documents to all these companies numerous times and every time they say im missing documents. I need Help I cant loose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is reporting on my all XXXX of my credit files. They are saying the account belongs to me without providing with proof of a contract I signed.

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 03/27/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company made payment arrangements with me but XXXX days later said they would n't take payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Debt collection (Mortgage) with PNC Bank N.A. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: PNC Bank took all the money out of my savings account.with no notification. They say it is for a forclosed loan from XX/XX/XXXX. I have had bank accounts with them since XX/XX/XXXX and one has contacted me. My pay checks are direct deposit and they waited until my pay hit then wiped out my familys savings account. They have had my address, phone number and email for years. They communicate to me about bank specials and advertisments, but never once brought up an outstanding debt that I thought was handled when the property was forclosed on. Can they do this just take someones savings account with no notification or contact?

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I mailed a certified letter to each credit bureau requesting that certain inquiries be removed from my credit report. It has been 30 days and I have yet to receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Advanced Resolution Services Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On  XXXX / XXXX /2017   I  received correspondence from CFPB #  XXXX  regarding a complaint filed on   XXXX / XXXX /2  017 a gainst  Advanced Res olution Solution  Services , Inc,   I calle d ( ARS ) an d spoke to a  XXXX   XXXX  regarding the accuracy of the bankruptcy that is placed on my report I sent documentation from the courts that stated that they do NOT report to credit reporting agencies and also confirming that there is false information on my report she stated that the report was accurate and direct me to look on pa ge 6 of 8 on  the report up under the account information and there should be a statement that read " Bankruptcy record furnished by Advanced Resolutions services,  inc. '' I told her that the area that she was speaking of was blank on the report that was maile d to me o n  XXXX / XXXX /2017 she asked me to fax over a copy and I stated that I would.fax the document on  XXXX / XXXX /2017, enclosed is a copy of said report page 6 of 8.and a copy of the fax cover sheet. I am requesting again that the recor d be permanently deleted off of all my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from Credit Systems Intl I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit Systems Intl in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Mortgage (Other mortgage) with Selene Finance LP (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I disputed an account with the credit bureaus and each time my disputes either came back as " verified '' or was absolutely ignored. I contacted the company in question directly 3 times and I am mailing them my fourth letter today via certified mail. I first contacted them at the address they have listed on my credit report XX/XX/2015. I heard nothing back. I then did a search online and sent a letter XX/XX/XXXX. I heard nothing back. I did another search and found an address claiming to be their headquarters XX/XX/XXXX via certified mail and it was signed for. I heard nothing back. I am now sending out my fourth letter today, XX/XX/2015 along with this complaint. By ignoring me, they are violating my rights under the FCRA and are showing willful neglect in taking care of this. I have been having trouble getting this erroneous for over a year now and will be taking XXXX Carrington Mtg to court. By law, a creditor has 30 days to respond to the dispute or they must remove the account. The same things goes for the credit bureaus. Each dispute has been ignored. Your company 's last response to my complaint stated that I have made too many disputes and changed my reason for the disputes. Let me be clear on something : if my disputes were investigated properly, I would not have had to go to such lengths to get this taken care of. By law, once I notify a credit bureau that I believe their investigation results are incorrect, they must conduct another investigation and obtain the actual documentation that " proves '' the veracity of an account. This was not done and XXXX concurs with this process that I am stating is imperative. Not only were my disputes with Carrington Mtg ignored, they do not have XXXX address to contact. I am not able to get anyone on the phone to verify any of this information and I have put over 50 hours and thousands of dollars into correcting this mistake. 

Here are the addresses that Carrington Mtg has : This XXXX is stated on their website as their " headquarters '' CARNGTN MTGXXXX XXXX XXXX XXXX XXXX XXXX & XXXX, CA XXXXThis XXXX is stated on my credit reportCARNGTN MTGXXXX XXXX XXXX CA XXXXThis XXXX is stated on their website under " contact us '' CARNGTN MTGPO BOX XXXX, Ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Rewards

Complaint: After accumlating more the XXXX points with Bank of America, I completed the online process to trade points for a {$25.00} prepaid visa in XXXX XXXX. As of this date, the card has not arrived. 
Between XXXX XXXX and XXXX XXXX I called Bank of America at least 5 times. I had to sign an affidavit that my complaint is valid and I did not receive the card. I was promised the card would be sent during at least XXXX of those XXXX calls. I have requested a copy of the original application for the Bank of America Card from XXXX when I first applied. The request has been ignored. My payment record is excellent. My XXXX score was low XXXX 's when last I checked. I do not understand why Bank of America would dog me out after 16 years. My current balance is less than {$20.00} - I have had balances in excess of {$13000.00} Can you help me get my {$25.00} gift card or have my XXXX points put back in my account. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 03/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My mortgage company lack of security allowed my tenant to compromise my account and cause harm to me and my credit. She was able to gain authorization over my account and changed the contact information and went delinquent. I was n't notified because the contact information was changed. This was all done without my awareness or consent to account XXXX and XXXX on XXXX Mortgage XXXX. 

I have sent the following proofs of fraud on my account to TransUnion and they responded with ; that they will not block the subject submitted from my credit file. 

Compromising my account and taking actions as if they were me is a clear case of fraud, and according to the FCRA, fraud should not be reported. 
Attached : - XXXX police reports by my tenant- XXXX court cases of my taking legal actions to correct my situation- a forfeit letter written by my tenant. ( if you see the phone number on the letter, it 's my tenants cell phone number ) - XXXX letters of me escalating to my mortgage company to correct my account and also to secure my account ( Both have been a failure )

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I paid to receive my credit report and score from the XXXX bureaus from the Transunion website. They charged me {$1.00} for setting up an account in order to view this information. I saw no warning or disclaimer saying I would have to cancel a subscription in 7 days or be charged a subscription fee of {$17.00}. After a week I was automatically charged {$17.00} for a subscription that I was unaware of. It 's abusive and deceptive practice to automatically charge someone 's credit card in this manner. There should have been a more clear option to sign up and pay for the subscription separately. Per the customer service representative, the disclosure was given when I gave them my credit card number initially, but this was not very clear.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: During the XX/XX/XXXX, I called XXXX ( XXXX ) to inquire why my XXXX check ( # XXXX ) payment had not been withdrawn from bank account at about the same time as in the past. The XXXX customer account personnel advised me to wait a few more days perhaps the mail delivery was delayed because of the XX/XX/XXXX holiday. When I called a week latter, the check had not been received, and the customer account personnel directed me to make the payment at the XXXX XXXX branch in Maryland. I made the payment ( check # XXXX ) which was drawn from my XXXX XXXX XXXX account on XX/XX/XXXX. The amount due on XXXX XXXX ( late charges on XXXX XXXX ) was {$790.00} but I paid {$800.00}. Despite the three phone calls that I made concerning this payment, XXXX did not notify me but charged me a {$25.00} late fee, applied the extra amount that I paid ( {$800.00} - XXXX = {$21.00} ) to the {$25.00} late charge and filed a report on my credit report stating that I was more than 30 days late. The credit reporting agency stated that the lender ( mortgage ) needs to submit a corrected report. Here is a direct quote from them : *Please note : Experian has a new policy effective XXXX/XXXX/XXXX : For all dispute removal requests a letter from the creditor specfically stating that the dispute on file is to be removed and that the account is no longer in dispute is required. A signed letter from the borrower will no longer be accepted by Experian*

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The collection agency Source Receivables has been trying to collect a debt from me that was bought from XXXX as the original lender of the account. Prior to this, I was making payments on this account to another collection agency and without notifying me, the account was sold to Source Receivables. I have requested verification of the debt that would include an original contract with my signature stating that I am responsible for this account. I have not received this information from either the original lender or from either Collection Agency, yet this account is still listed on my credit report under a collection/charge off. I do not have a contract between myself and a third party with the agreement that I owe them money. The supposed original agreement is between myself and XXXX but no original paperwork has been sent to me with my signature for a valid debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.

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 02/24/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The reason for my complaint is because I have had an issue with Identity theft. I have filed a police report and sent it to chex-systems and they have corrected the fraudulent information. But I have had a more recent situation in which I have faxed Chex-systems the amended police report and they have not responded to my request. There is a charged off amount reported for account abuse for {$37.00} that is a result of identity theft and there are several inquires showing on my report that are fraudulent as well. The only inquiries that should be showing on my report are with XXXX XXXX and and XXXX XXXX XXXX. I sent chex systems this information in XXXX and they have not responded to my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (I do not know) with RSI Enterprises, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This " company '' has been calling my home for months, using various numbers, leaving messages saying that someone here ( no name provided ) owes money and it's an attempt to collect a debt. They claim to be from RSI Enterprises. My husband and I have made repeated attempts to contact them and have either been put on hold immediately upon answering and left on hold for up to an hour before we hung up or the calls disconnect as soon as answered or they say to leave a message, which we will not because we don't want to fuel the fire. As far as we know, we do not owe anyone money for anything. We have received NO correspondence from anyone stating otherwise. It seems that after nearly a year, we would have been turned over to a collection agency that would provide a letter or it would be put on our credit and nothing of the sort has happened. I would like them to STOP calling me if they have no intention of stating what the matter is or sending me a letter to tell me rather than play games with me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been attempting to resolve this issue for the past couple of months. My wallet went missing sometime last year and ever since then i have been getting inquiries placed on my credit report.

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove numerous fraudulent, unauthorized inquiries from my credit reports that were not made by 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 03-03-2017 about Payday loan () with Big Picture Loans, LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: I had a family emergency in XX/XX/XXXX and took out an {$800.00} loan from a company called Big Picture loans. I was told by a representative of the company that I would have to pay back {$1000.00} which included a {$200.00} finance charge. I thought that was kind of steep but I agreed to that term. They begin taking out {$200.00} bi-weekly out of my account. Once I reached the {$1000.00} and assuming this was my last payment, I get an email XX/XX/XXXX from them stating it 's time to process another payment out of my account in the amount of {$220.00}. I immediately called Big Picture loans but could not get anyone on the line. I conducted some research online and discovered they are predatory lenders. I took a closer look at the Disclosure statement and this is what I discovered : the interest rate of 650.0065 % and a finance charge of {$4200.00} with a total payback cost of {$5000.00}. This is ridiculous. How can they charge me {$5000.00} for an {$800.00} loan? I have paid them the {$1000.00} that I agreed to If this was explained to me during the time of taking the loan, I would have refused to take it. Please help me obtain some resolution to this issue.

Company response to consumer: Closed with explanation