milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Had a XXXX conventional fixed mortgage through XXXX that originated in XX/XX/XXXX. That loan was sold to Rushmore Loan Management on XX/XX/XXXX That transaction was completed on XX/XX/XXXX ( Rushmore loan # XXXX ). 
My XXXX homeowners insurance was being paid through escrow for approximately 11yrs and the information was transferred to Rushmore ( policy # XXXX XXXX ). 
A pipe or connection burst in the condo and caused approximately $ XXXX in damages to the unit below me. While contacting XXXX to start a claim, they stated that the policy lapsed on XX/XX/XXXX and was never pain by Rushmore. Representatives from Rushmore have sent this to the " research dept. '' ( claim # XXXX ), but I have been told it may take XXXX days for them to make a decision. Can you help expedite this?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX, I had a cable account with XXXX. My brother moved in and switched everything over to his name. On XX/XX/XXXX, I paid the outstanding balance left in my name. I remember this clearly because the cable man had to come out to fix a problem and my mother was leaving for Hawaii the next day. At any rate, There was an altercation on XX/XX/XXXX and I was forced to move out quickly. XXXX did put a collection account on my credit but solely for the equipment. I called them and explained the equipment stayed in the home when I left. They made note of this and deleted this item from my credit. As I have experience identity theft and major fraud between XX/XX/XXXX-XX/XX/XXXX, I did not utilize credit at all. I checked my credit on XX/XX/XXXX only to find that a debt collector had attached a XXXX debt to my credit report. I called them and spoke to a representative that I could barely understand but he was so rude I was beside myself. I attempted to explain to him the situation and that XXXX had removed this item from my report. At first, naturally going through the identity theft and the account stating it was opened XX/XX/XXXX, I was under the impression it was another fraudulent account. As the representative explained to me what it was I immediately told him oh yes it is in deed me. However, that was removed years ago. He argued with me telling me I owe some outrageous amount and it simply is not true. I believe this is an intentional act just as a means to keep my credit from improving and me regaining a life. I do not owe this debt. It is just a debt collector trying to get money out of innocent people. They lie and make up stories claiming you owe. This debt was already removed, how could it be back on my credit report 6 years after the fact? Debt collectors should be against the law as they lie and cheat people of their money. If you want to improve your credit they simply assume you will pay it even though they are lying.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: If I had XXXX word to describe the experience so far, it would be 'horrible. ' While poor customer service is unpleasant, it is not criminal and it is not the reason I am writing you. XXXX XXXX sold our mortgage to Rushmore with the payments to Rushmore starting XXXX XXXX. We received the letter that this was happening on XXXX XXXX. I tried to go online to Rushmore 's website to pay the balance, which was {$97.00} higher than our old payment for some reason, but the website kept erroring out. I then called all the numbers on the document that was sent to us. Each number took me into the same prerecorded loop, which once I got to the payment section would n't tell me how much was due and just wanted my routing and account numbers. I have n't thrown my banking info around willy nilly before, and I am not going to throw it into some poorly automated voice system with exactly XXXX detail as to how much it was going to charge me now. It is a huge frustration to not be able to pay a bill because the company receiving payment has made it nearly impossible to pay them. Finally, I got a hold of someone at the local number for the company, which I found hunting around on the internet ( this number was not listed on the documents they sent us ), and they confirmed that the payment had made it through on the website even though I was never able to make it to the end of the payment pages because of the site crashing. I 'm just thankful it did n't charge me repeatedly for each time it appeared not to work. When I asked why my payment was {$97.00} higher, they had no idea. I, after having read the many reviews on this company, found that the company often creates fraudulent negative net escrow balances. I checked my loan, and there it was, a {$180.00} negative net escrow balance. I have never had a negative net escrow balance on a mortgage until it was sold to Rushmore - and I mean NEVER. Seeing as it is a common problem for loans transferred to Rushmore, there must be something going on there. I 'm asking for your help, not just for myself, but for all the other people being abused by this company. The government allowing companies like this to exist detracts from the trust we all have that you are looking out for your fellow countrymen. Thank you for taking the time to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Auto debt) with CONSUMER PORTFOLIO SERVICES, INC. (WA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Almost every day for the past month or so maybe almost 2 I have been receiving calls from Consumer Portfolio Services I know that its their job to get a hold of me but the first thing that they ask for is my SSN and I stated that I can not give it to them since I am in the center of my building that I ca n't say it out lound and I asked them to reach me on my mobile phone which they only tried once. Since then they call my work at least once a day if not twice. I just found out this morning that they some how got my Bosses home phone number. I have no idea how but at that point it seems like harassment to my boss and she has absolutely nothing to do with this debt collector or my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I disputed the balance and status of my mortgage lender and servicer on several occasions to various agencies. On XX/XX/XXXX the grantor reported to XXXX Credit Reporting agency that the dispute was settled by the grantor, the balance is zero and the account is closed. I was not aware that the grantor closed the account with a zero balance until XX/XX/XXXX. Ocwen has not updated any bureaus regarding this account since XX/XX/XXXX and Ocwen has decided to Non-Renew its forced placed insurance on the property. Upon finding out about the XXXX balance I contacted the attorney for the lender and its servicer and substitute trustee informing them that the balance was zero and the default no longer existed. I also asked if they were still claiming that a balance was owed that they should notify me. Despite the account being closed with a XXXX balance Ocwen provided a reinstatement amount in excess of XXXX. Since the dispute has been settled and the account closed Ocwen and its agents and officers are violating the law by attempting to collect on an account where there is no balance and the account is closed. In XX/XX/XXXX Ocwen signed a consent order in federal court stating that it would refrain from certain actions and were made to make payments to homeowners that had a valid complaint. I filed my complaint in regards to the National settlement and was awarded a small check. Ocwen has continued with mishandling of this loan despite its consent order.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Shopping for a loan or lease

Complaint: I recently viewed my XXXX Credit Report and observed that GM Financial conducted an inquire 3 times, XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. I do n't recall granting authorization to GM Financial to inquire my XXXX credit report 3 times in a time period of 5 days. I am requesting GMFINANCIAL to send me the documentation 's used to authorize there inquiries so I can verify it 's validity. If they are unable to provide me the mentioned document 's ( 3 ) I am requesting GMFINANCIAL TO REMOVE THE INQUIERIES FROM MY XXXX CREDIT REPORT. I am prepared to seek legal council and pursue legal action for GMFINANCIAL knowingly and willingly violating my rights granted to me by the FCRA. Thank you for your immediate action to my request. Furthermore, in addition to GMFINANCIAL contacting XXXX I want GMFINANCIAL to send me a letter confirming that the request was made to XXXX to remove the mentioned inquiries from my credit report for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Mortgage (Conventional fixed mortgage) with BANKUNITED, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: BankUnited wrongly reported a delinquent payment to the credit agencies. The bank created an escrow balance based on them having lost the condo flood insurance policy the management office faxed to them. The bank then wrote me a check in the amount of my XX/XX/2016 payment stating the bank would not accept payment that was short of the full escrow amount ( even though the bank incorrectly charged me escrow due to losing flood insurance policy ). The bank pretended as if I never made my XX/XX/XXXX payment which was clearly wrong. I then emailed the condo flood insurance policy to the bank on XX/XX/XXXX, and as of Friday, XX/XX/XXXX, they still have not cleaned up my account ( after receiving the bank check equal to my XX/XX/XXXX payment, I turned around and wrote XXXX checks - XXXX for XX/XX/XXXX & XXXX for XX/XX/XXXX ). Throughout this time, the bank continued to call & harass me as if I was not making my mortgage payment. Bottom line is I want the bank to report the delinquent XX/XX/2016 mortgage payment as a bank error since I actually did make the payment ( the bank seems to want to pretend that I did not make the payment because they would not acknowledge a payment that excluded escrow which I really did not owe because they lost my flood insurance policy and still have not fully updated my account with the documents I had to email them ). I 've never heard of a bank writing a check to a client and then turning them into the credit agencies. I find BankUnited to be grossly mismanaged in a tangled web of incompetent procedures, leading to the left arm not knowing what the right arm is doing. This bank should be investigated for inappropriate mortgage payment processing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I submitted a written request to Experian to delete all other names other than my legal name, social security number and addresses with attached proof, it was denied stating it needs to be on record. The information they have is inaccurate and have provided all necessary documents needed to make corrections. Furthermore I disputed an collections account that is not mine I have resolved the issue with XXXX, they are stating the collection account is mine but XXXX fraud department has investigated and declared the account as fraudulent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX have been harassing me via my cell phone. I 've sent certified mail with signature requesting VARIFICATION and have n't received anything in return. I have also disputed this through all three credit bureaus and they 've all writing back saying this account has been verified without any back-up document.

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 09-07-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (HI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have attended XXXX XXXX XXXX XXXX XXXX in the past. The department of Education has sent me a notice stating that I may be eligible for discharge of loans. I really need help with this situation because I have loans that I have accumulated and feel that I am stuck because I have huge debt that I have accumulated and never received a degree to apply for a job. Could you please contact me so I can try to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Victim of identity theft.Theft purpatraitor destroyed my credit running up a bunch of bogus accounts .reported to credirmt reporting agency and have a difficult time getting items removed that do not belong to me.they also have wrong names there is a XXXX XXXX XXXX And a XXXX XXXX And XXXX XXXX XXXX of these are mine name.XXXX XXXX no middle name or intial.please remove from my account. Thank u

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 05-11-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Settlement process and costs

Complaint: Let me start by saying that my wife is pregnant with our XXXX child and due any day now. The undue hardship that this has caused us is beyond words. This complaint is against Nationstar Mortgage. XXXX XXXX XXXX service released my mortgage and sold it to Nationstar on XXXX XXXXXX/XX/2015 XXXX did not notify me of this. I was scheduled to close on the sale of the home on XXXX XXXX, XX/XX/2015, but had to cancel XXXX due to Nationstar refusing to send me a payoff quote form. I spoke to XXXX different " supervisors '' and was told a different excuse by each one. In XXXX years, I have never been so much as late for a payment and now these banks are taking advantage of me. All I need is a simple payoff request form faxed to me in order to be able to close.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (Auto) with BB&T CORPORATION (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX has sued XXXX XXXX for purported damages to a leased vehicle that either do not exist or were inflated. Any condition of the car resulted from normal wear and tear for which XXXX XXXX was not liable. XXXX refuses to supply the only evidence that it claims it has/had to show damage -- but refuses to provide : actual pictures of the damage. It appears that XXXX is seeking to collect money not owed in a deceptive fashion. Scores of other consumers are making similar complaints as reflected in XXXX reviews : ( XXXX ) Simultaneously, XXXX reports delinquencies to XXXX XXXX XXXX credit reports that bear no reasonable connection to the purported debt. XXXX is reporting a balance of {$64.00} on XXXX XXXX 's credit history but has sued her for {$2300.00}. Aside from misrepresenting dollar amounts, XXXX is misrepresenting the identity of the creditor to XXXX XXXX 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (VA).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX 2015 my wife and I visited a local Wells Fargo Branch location to establish a joint account. The visit lasted about an hour, and past the bank hours. During this time our banker left with our debit cards for some time to " check with a manager ''. The following business day ( Monday XXXX XXXX ), my account experienced several fraudulent charges. That evening my wife 's card also experienced fraudulent charges ( of a suspicious nature ). This leads us to believe that our cards had been compromised in conjunction. Due to travel and work in the last month - our visit to the Wells Fargo was the only time our cards were used at the same time and at the same place. Additionally, on the afternoon of Monday the XXXX, the day I reported the fraudulent transactions ( after business hours ) - I received a strange phone call from the exact banker who accessed our cards. The tone of the call was strange - it was apologetic - but unexplained as to " what she was apologizing for ''. Additionally my wife 's card was used to send money overseas to an XXXX XXXX - whose name is coincidentally similar to our banker 's name. I have reported this to both the XXXX Police Department as well as to Wells Fargo - but at this time no actions seem to have been taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (I do not know) with Capital Accounts, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Capital Accounts , LLC has been unable to verify the debt. I am provided the name of a vendor, but no detail as to any services. I do not know the vendor for whom they are attempting to collect the debt and when I XXXX the name there is no phone number or website. I am requesting validation of the debt or removal from my credit from the XXXX major reporting agencies. I have requested this via phone call and e-mail ( attached ) yet they continue to attempt to collect the debt without any proof that the debt is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX, gave me the right to pass my account on to another customer. That customer has taken full responsibility with payment arrangements organized by XXXX. First XXXX was harrassing me about this debt that dont belong to me. After explaining the situation XXXX removed this account from my credit report. Now AFNI has the account and has reported to my credit without sending me any notice or validation. Please remove this from all 3 reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY).
Issue: Other service issues

Complaint: On the evening of XXXX XXXX, I attempted to use MoneyGram to transfer {$50.00} to a relative in upstate New York. After filling in all the required information ( including my credit card # ), I received an e-mail saying " We were unable to process your transaction online. '' I called the customer service number and was told that " security '' had halted the transaction. No further information was available. I was directed to go to a physical location to complete my transfer, which I did this morning. 
The physical location was a phone at a local CVS store. After entering my information, I was switched to a live operator who confirmed that the fee was {$5.00}, but that the ultimate fee could be higher. I asked how that could be and she gave the example that if I decided to wait another day to complete the transaction, the fee could be higher. I said I wanted to complete the transaction now ; would the fee be {$5.00}? She replied that the fee should be {$5.00}, but that they were required to read the disclaimer. I told her that I was willing to proceed, but that if the fee ended up being more than the {$5.00} initially indicated, that I would file a complaint with CFPB. 
A store clerk was needed to complete the transaction, and when XXXX was available, he told me that MoneyGram had n't sent the information to his computer. The MoneyGram operator did n't want to speak with the store clerk, insisting that he should know how to use the system. When I finally handed to phone over to him, the MoneyGram operator had hung up. I was unable to complete the transfer. 
As a final cap to this story, the CVS clerk told me, " They always charge {$10.00}. " I believe that MoneyGram 's practices are deceptive and that their fee disclosure is inadequate. I ask the CFPB to look into what, if it is not consumer fraud, is very close to it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (OR).
Issue: Taking out the loan or lease

Complaint: We financed our new car purchase through Chase Bank. The auto dealership was running a special that waived the first month 's payment. Three weeks prior to when the first free payment would have been due, we set up auto-pay but noticed that the first payment due date did n't reflect the first month free. This was brought to Chase 's attention immediately but nothing was fixed. They sent us a past due notice once the due date came and went. We called again, explained the situation, and were told they 'd take care of it but they never did. We received another past due notice, threatening late fees and reporting to credit reporting agencies. After numerous calls to the dealership and Chase, we were finally assigned a person at Chase Auto Finance who we were assured would help. Five calls to her went to voice mail and were never returned. Finally, to avoid this affecting our credit, we paid the first month payment. That was in XXXX. It 's now almost XXXX and there has been no resolution. Chase assigned us another representative who was going to solve this issue. Like our previous experience, calls go straight to voice mail and they are never returned. XXXX XXXX, XXXX ext XXXX, give her a call and see if she answers. 
The bank admitted to entering our loan into their system incorrectly but they 've never apologized for their mistake nor offered to remedy the situation. They do n't return our calls. They only ever called us to try to collect money that we did n't owe. They harass and threaten to report our lack of payment to credit reporting agencies. Once they got our money, they stopped calling but it 's our money and I want it back.

Company response to consumer: Closed with explanation