milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Students loans duplicated and were paid off showing on credit sent dispute to have them removed. Still showing need to be removed. 

XX/XX/XXXXCreditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXXClosed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXXCreditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened DateXX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility  Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened DateXX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name DXXXX XXXX XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened DateXX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00}XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed DateXX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$750.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXXClosed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00}

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 01-08-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CO).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: On XXXX/XXXX/XXXX I went to XXXX 's to buy a winter jacket. When I went to the register I asked if I had any coupons that would reduce the cost of the coat. The woman told me that she could re-activate my credit card and that would allow me more of a discount. I was not aware that what the sales lady was doing was applying for a new credit card for me. I already had a credit card with XXXX 's that I have had for 30 years. The credit card application was denied on the spot as I have frozen all of credit with the 3 major bureaus to protect my credit, in light of the recent security breaches. The lady acted dumb and then charged the coat to my XXXX 's credit card that was already in existence. 
On XXXX XXXX, XXXX a letter was sent to me explaining that a credit card with XXXX XXXX was declined due to " insufficient number of accounts and insufficient credit experience ''. I called the XXXX 's credit department at XXXX. The woman I spoke to took down my information, verified that no credit information was looked into for my account and apologized for what had happened to me. The woman also gave me a 20 % credit for the winter coat that I purchased. I am upset because the sales person on XXXX/XXXX/XXXX is obviously incentivized to open new credit cards for customers and was not honest or truthful about what she was doing. This is illegal and should be addressed with XXXX XXXX. Who knows how many consumers have had credit card opened for them that they did not want or need because the sales people are being dishonest in order to get bonus money or other items as incentives for opening credit cards. Thank you for your assistance.

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 01-03-2017 about Mortgage (Conventional fixed mortgage) with American Financial Resources, Inc. (FL).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/2016 I began the process to refinance through " eLend '' and signed the initial mortgage disclosure package. I agreed to a XXXX year loan fixed rate of XXXX %. I provided all requested documents in an expeditious manner and satisfied all requests from the lender to include an appraisal they directed me to use. On XX/XX/2016 I received an email from processor XXXX indicating my loan has been conditionally approved and the rate lock of XXXX % would be expiring on XX/XX/2016. In addition the email requested documents within XXXX hours. I immediately sent all requested documents, satisfying the request and sent an email to XXXX indicating the documents were sent. I did not receive a response until after the rate expired on XX/XX/2016. I was informed the rate would be extended. After several attempts to contact XXXX to once again check on the status of my loan, I received an email indicating the rate lock had expired again on XX/XX/2016. I spoke to origination XXXX XXXX and explained I have sent all requested documents and did everything on my part to satisfy the loan, but " eLend '' has allowed the rate to expire twice. XXXX apologized, but said the best they could do was increase the rate to XXXX % and charge me fees. I pleaded my case once again and XXXX called back explaining he would waive the fees, however could not give me the original rate of XXXX % even though it was " elend 's '' fault for the rate expiration. As a result, I have lost credits paid towards closing costs and have an increased rate due to elend 's lack of ability to process a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA).
Issue: Trouble during payment process

Complaint: Dear CFPB, This complaint is regarding Rushmore Loan Management Services, LLC. This is in regards to my mortgage being incorrectly placed in default for false reporting and misapplication of payments on behalf of Rushmore Loan Management Services, LLC.
I have made so many attempts to fix this issue by phone and in writing. But, when I have tried to correct Rushmore 's errors it has caused more severe and additional issues such as incorrect reporting to credit bureaus. 

I now believe I 'm being targeted by this company. I believe this company is trying to steal my house and fraudulently file default mortgage insurance. I believe I have been targeted due to numerous false reporting regarding my loan to a Bankruptcy Trustee and Bankruptcy court and the credit bureaus. 

I received a letter from Rushmore dated XXXX/XXXX/XXXX. Rushmore is stating that I 'm contractually due for my XXXX payment. They have also assessed my mortgage loan with incorrect late charges for both XXXX XXXX and XXXX XXXX. I have provided CFPB with all proof of payment and have provided proof of payment for every month from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. They still are stating that I did n't pay a payment. XXXX, I spoke with XXXX which states is a Supervisor with Rushmore Bankruptcy department. During the conversation with XXXX, he stated that I did n't make a payment in XXXX XXXX. Rushmore is now trying to collect on a date that was prior to them receiving the servicing of the mortgage loan. 

I called XXXX XXXX XXXX and spoke with there customer service in Bankruptcy and they confirmed for me during the phone call that I was current and reported as current at time of transfer of the loan. 

I 'm providing you Rushmore 's letter dated XXXX/XXXX/XXXX which states I 'm due for XXXX. I 'm also providing you with Rushmore 's payment history for XXXX XXXX and XXXX XXXX assessing me falsely with late charges. I 'm providing proof of payment and the CERTIFIED and SIGNED mail from Rushmore. Rushmore received payment prior to the XXXX due date. But, they still assessed me with late charges and noted me as late. They have also reported me as late to credit bureaus, 60 DAYS LATE. 

I 'm requesting for Rushmore to take my loan out of default. I 'm also requesting the remove their false late charges of my mortgage loan. I 'm also requesting they report correctly to the credit bureaus. Please also stop the fraud and targeting me. I believe they have placed me in default to fraudulently collect on mortgage default insurance. 

Please report this to an appropriate agency for investigation of these fraudulent practices. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I failed to pay my last bill for {$100.00} with XXXX in XX/XX/XXXX. The account was sold to Diversified collections agency. I paid the full amount to Diversified in XX/XX/XXXX with the verbal agreement that they would delete the derogatory information from my credit report. Not only did they fail to uphold their part of their agreement, but they reported to XXXX " Settlement accepted on this account ''. This is false. I paid the full amount, and I paid with the agreement that this would be deleted from my report. Additionally, because I paid the account 3 years after it XXXX went delinquent, this will not fall off my report for 3 additional years. I have been penalized for making good on my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am on escrow on the sale of my property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. We can not close escrow because the lender is not sending a payoff demandI called on XXXX and requested a payoff demand over the phone as their system said that it 's faster than requesting it over website system, at that time I was told it will be ready in no more than 3 days. I called again on XXXX and was told it should be ready any moment,. Close of escrow was scheduled for XXXX, I called again around XXXX and at that time I was told that the payoff demands take 7 to 10 days. I had no record that I called it in, therefore, I went on the website and made a request again so it would be documented, I called again today, to my dismay I was told that because I re requested the payoff on XXXX I had slowed down the process. 
I do n't know what else to do to receive this payoff, I am failing to close escrow as scheduled, the buyers are losing their lock and I was told you can help. 
Please let me know what else I can do to get a resolution to this situationsincerely, XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Student loan (Non-federal student loan) with Genesis Lending (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I went to school for XXXX at XXXX in XXXX 2010 and got an privte loan from gensis equaling XXXX my course cost at the time XXXX learned that they had been sued at I did not recevie, money for over payment the class that graudteed after me, recevied an reduction in tuttions payed, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Mortgage (Conventional home mortgage) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Closing on a mortgage

Complaint: On XXXX XXXX, I applied for a mortgage with Citizens Bank and provided them with all required information. I was promised an APR of XXXX, but three days prior to closing, while reviewing the revised disclosures, I noticed that the rate had increased to XXXX. I inquired and was told that because of a short sale on my history and due to it being a jumbo loan, that I my application was being approved as an " exception '' and that the rate was increasing as a result. 

They had all of the information about the size of the loan and the short sale at the beginning of the application process, so it seems terribly unscrupulous to change the rate so late in the process. Clearly a homeowner has no recourse 3 days prior to closing and Citizens Bank is taking advantage of this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2017 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: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, Equifax neglected to properly handle sensitive personal information and allowed a massive data breach that is impacting half of the citizens of the United States. I checked on their website http : //www.equifaxsecurity2017.com and it verified that my personal data was breached while attempting to take further advantage of their own malice for profit and sell me a service while declining my ability to participate in a class action lawsuit. They are taking no responsibility for their criminally irresponsible actions and I am forced to bear the consequences personally. They only offer 90 days of credit monitoring service, but my information is permanently leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Received bill from XXXX XXXX on XXXX/XXXX/XXXX for {$200.00}. I did not know I had a balance. Sent check XXXX XXXX/XXXX/XXXX for {$30.00}. Never received an updated balance. Received collection from CMRE on XXXX/XXXX/XXXX for {$200.00} on behalf of XXXX. From XXXX until XXXX I sent XXXX {$10.00} payments totaling {$70.00} to CMRE. I stopped getting letters from CMRE. On XXXX/XXXX/XXXX received bill from XXXX for {$170.00}. ( 2 years later ). I paid check XXXX on XXXX/XXXX/XXXX for {$25.00}. Never received updated bill. On XXXX/XXXX/XXXX I received bill from XXXX for {$130.00}. I sent check XXXX XXXX/XXXX/XXXX for {$25.00}. I have now received XXXX new collection letters from CMRE for {$65.00} and {$140.00}!!! I can not keep paying these XXXX companies all this money. I have never been credited correctly by either company. I feel I am now being ambushed to keep paying money out that is not due. I can not get anyone on the phone to straighten this out. Over two and half years I have been chased for more money and never once got an accurate updated statement showing the {$150.00} I have paid out between XXXX XXXX and CMRE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter about medical services. I am XXXX and unable to mail them a validation of debt notice. I have no idea where these charges came from.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an interest only loan plus I have an escrow account. The loan is being serviced by Ocwen Loan Servicing. The interest plus escrow is approximately {$980.00} per month per the loan modification completed in XXXX XXXX. I received my statement for the payment due XXXX/XXXX/XXXX and there is an additional fee of {$1400.00} due. It is listed as Fees/Other Charges on the mortgage statement with no additional explanation. No letter explaining what this additional fee is for. I contacted customer service and was on hold for a lengthy time while she researched the issue. She finally connected me to the Escalation Dept where the Manager placed me on hold so he could contact the Cashiering Dept. When he came back he told me he needed to research the issue and call me back. He called me back the same day to tell me Ocwen was calculating the interest incorrectly and that I owed Ocwen {$1400.00} due to Ocwen 's error and as a courtesy they could add this amount due to my loan balance. I requested additional information as I have an interest only loan and this interest error now impacts my XXXX taxes. I requested a full accounting of when this error began, how they calculated the interest and what the interest should have been. I have not received any of this info. All I have been told is that I owe this money that is due to Ocwen 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to go to XXXX, under their contact information it states to dispute a charge to visit dispute.transunion.com, this website requires a credit card and payment before any disputes can be made. Also, while trying to apply for XXXX and XXXX, i was told my account was locked and to contact them. I had my previous credit report in front of me, so I am not sure how I answered the verification questions incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the information with Equifax XXXX times. The confirmation numbers of the dispute are XXXX, XXXX and XXXX. Each dispute flows from these XXXX numbers. I am on my XXXX attempt to correct the inaccurate information and information that does not belong to me or information that is beyond the reporting toll ( years to be reflected on the report ). The ironic thing is both XXXX XXXX and XXXX acknowledge the inaccuracies and have removed them from my credit report but Equifax refuses which tells me they have not done their due diligence in accordance with 15 U.S.C. Section 1681 ( e ), Section 1681 ( i ) ( a ) ( 1 ) ( A ) and 1681s-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2017 about Mortgage (Conventional home mortgage) with Home Point Financial Corporation (FL).
Issue: Trouble during payment process

Complaint: Hi, My mortgage has been transferred to a new company last month. As indicated on the document, i scheduled my new payment to the new company via XXXX in the amount of {$2000.00} on XX/XX/XXXX. On XX/XX/XXXX i made an extra {$50.00} payment towards the principal which was applied.However, the {$2000.00} was never applied on my account, ten days later, i get an updated statement saying i missed a payment. I contacted them, provided them with a confirmation number from the bank that the payment was cashed by them. XXXX XXXX XXXX also called them. They said they needed to find my payment as they could not locate it. Now i receive collection letter EVEN IF I HAVE PAID. today, the company is saying the return the payment to XXXX XXXX XXXX and can not provide me with a confirmation or tracking information. XXXX XXXX XXXX has not receive the money as of XX/XX/XXXX that the company sent on XX/XX/XXXX. I have to make another payment to this company that i have no trust in. Please help me apply my money to my account!!!! The company is home point financial center. the incident is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello! 
This was a cell phone debt for someone that was shared. I brought this up with XXXX back when I lost contact with the individual. Its been awhile, dating back to XXXX XXXX. I thought the matter was solved. I was offered to an amount to pay for my charges and that amount was paid at XXXX of their stores in the XXXX, New York. That amount was over {$300.00}. My credit report is reflecting an amount of {$1400.00}!! The company that purchased the account from XXXX is 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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In  XXXX   2017 I pulled  my credit report for all  XXXX  bureaus to find an ope n    XXXX   XXXX   XXXX   account that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 ( signed for on  XX/XX/2017  ) to the provided address on the report asking the company to pl ease send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX ,    2017 the c ompany sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after 31  days I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 ( see   attached ) signed for  on  XX/XX/2017  asking t hem to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my original lett er therefor violating t he Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has been almost 60 days and the notice still does not appear on my consumer report nor has the company responded to  my letter s to pro vide evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Payoff process

Complaint: My loan was sold to another company, I made arrangement with the other company and paid my loan. The original company refuse to remove their name off my credit report. They are still reporting as charge off.

Company response to consumer: Closed with explanation