milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: I responded to an ad campaign about HARP loans, just to obtain information on the program. I stated clearly to the individual who called me back, that I was simply seeking information and that I was NOT making an application. He continued to require additional information in order to " give me the information I was seeking ''. They pulled an unauthorized hard credit report from what appeared to be XXXX different companies, each with a different credit bureau, making it appear that I had XXXX hard inquiries, resulting in my credit score declining by XXXX points. I filed a complaint with the XXXX and Quicken has refused to inform the credit bureaus that the credit inquiries were improper, stating that I had provided information that authorized the inquiries, even though I clearly stated that I was not making an application. 

They stated in their response that I requested a Home Equity loan, which I clearly did not.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Merchant Account : XXXX Name of the credit card company : XXXX Bank Name : Bank of America Merchant Services On XX/XX/XXXX, Bank of America Merchant Service Manager ( XXXX XXXX, XXXX, mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX FL XXXX ) sent me letter via XXXX stating XXXX has imposed {$25000.00} fine to protect XXXX 's XXXX XXXX XXXX XXXX. Bank of America MS has already debited more than {$6000.00} from my business checking account. <P/>I have requested Bank of America ( BAMS ) to ask XXXX to provide evidence for which XXXX alleges that I have been engaged in selling controlled substance by our company website. I sent my request on XX/XX/XXXX via USPS Priority Mail to provide any information that proved that I am involved in such activities. They have not responded. In XX/XX/XXXX letter BAMS further informed that I have to pay {$5000.00} to XXXX, if I have to file an appeal to XXXX. <P/>I am a very XXXX XXXX owner and I have no resources to file a law suit against giants like BAMS and XXXX. I am a very honest person and I have not sold or purchased any controlled substance in any manner. I would request your support in this matter urgently.

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 06/30/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016 I called my bank and asked if there were a program that they would allow me to writs a check to my phone/internet & TV service because I have a notice to be disconnected, I was told that I could apply for " Over Draft Protection '' and if approved they would honor the check and charge me {$35.00} to be paid on XX/XX/XXXX when I get my social security & SSI benefits, after a long wait I was told that I had been approved, I 'm XXXX year old, again on XXXX XXXX ( 2016 ) I called the bank and asked about the over draft approval to see if I could get {$20.00} knowing that on XX/XX/XXXX I 've have both of my benefits posted, I was told by the representative that as a courtesy he would reverse the {$35.00} that has been charged and I could go to my bank ATM and with draw {$20.00}, However there will be a {$35.00} charge and since he removed the first charge I will only have " XXXX {$35.00} ' charge for both transactions, I went to my bank out side ATM and was denied the transaction, I went inside the bank spoke to a representative and was told that she did not see any overdraft protection on my account and the ATM machine make the decision to honor the traction not a live person, I went home and later about 3 hours I received a notice that I owed {$68.00} now because the check was re-deposited on XXXX XXXX ( 2016 ) and a second charged was added. 
My complaint is : 1. When I spoke with the representative on XXXX XXXX and was informed that a program allowed me to pay a bill and be charge {$35.00} I accepted but the check was returned. 
2. Speaking with a representative on XXXX XXXX he did not mention anything about the check not being honored and lead me to believed that he has reversed to {$35.00} charge he never said anything about the approval for overdraft protection being left up to " A Machine '' ( ATM ) for approval, 3. I called again on XXXX XXXX at XXXX asking why the additional charges and approvals. 
4. On XXXX XXXX about XXXX I again looked at my account and XXXX {$35.00} charge has been removed now I owe {$34.00} I need someone to explain what overdraft protection mean and why a machine is the only approval source and why representatives do not keep notes on conversations when they advertise that a conversation XXXX be recorded.

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have requested on several occasions that unauthorized inquiries through Experian be removed from my credit report as I have no knowledge nor did I authorize the inquiries on my credit report. I have attached documentation with all of the inquiries.

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 12-10-2016 about Bank account or service (Other bank product/service) with Fidelity National Financial, Inc (IL).
Issue: Account opening, closing, or management

Complaint: We had a land trust at XXXX XXXX XXXX XXXX XXXX, XXXX. XX/XX/XXXX, the property was temporarily taken out of the trust to facilitate a refinancing of our mortgage. XX/XX/XXXX, the trust company sent us XXXX letter saying they were prepared to put the property back in the trust. We believe we did not receive this letter, and we were unaware that the property was not in the trust. Recently we were updating our wills, and I contacted the trust company to determine exactly how the trust was titled for the attorney. The trust officer confirmed the number of the trust and the description, and said nothing else. The attorney subsequently informed me that there was no property in the trust. In the meantime, the bank happily billed me {$90.00} per year, for a total of {$270.00} for an " empty '' land trust. 
When I contacted the bank they said we instructed them to hold it open. However, they did not bother to send a follow up letter or any other contact since XX/XX/XXXX, nor did they bother to mention this important fact when i confirmed the description. I asked for a refund of all or most of the fees. They said they maintained the open trust as instructed. The trust officer was fairly belligerent, but said she would take it to the trust committee, I then received the attached letter saying there would be be no refund and no further correspondence. 
During this time, the bank feels they provided a service. However, all they did was maintain an empty trust account and send an annual bill, which cost a very tiny amount. I feel there are XXXX issues, the bank did not provide much service, in never sending a follow up letter. Letters do get lost. They also could not be bothered to look up or inform me of the details of the account when I called to inquire. Further, they were not the least bit sympathetic to my request. XXXX. 
Your assistance with this will be much appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland Credit Management received a Court Civil Judgement of XXXX. On XXXX/XXXX/2014 I made an agreement with Midland credit to repay my debit XXXX dollars per month till amount was paid offOnce the account was almost paid i contacted Midland Credit for a final payment amount. I was told I owed {$980.00}. I calculated all my payments and found I 've paid a total of XXXX over paying on the judgement by XXXX dollarsNo amount of contact by my bank and proof faxed and sent registered mail has resolved this issue with Midland Credit Management.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In XXXX, I sent an investigation request to Experian, asking them to correct errors on my credit report. More than 30 days past, and we did not receive a response. On XXXX XXXX, we filed a grievance with your office regarding the delay from Experian. Experian responded to my complaint, and said they would send a copy of the credit update to us. More than a month has past, and we have still not received the credit update.

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 01/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX XXXX - XXXX XXXX XXXX {$480.00} Account was not verified as according to law, no documents were sent.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency have in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from 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 explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We have been having problems with select from the very beginning. We tried to do a modification, we made every payment on time. We never received the final paperwork to complete the modification. We later tried again and the same thing happened that time as well. We want to stay in our home but we want to do a modification. We continue to make payments every month and they send them back every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Initially I thought this item was a result of unauthorized/fraudulent use because I knew I did not have a balance or an open account with the company. After reviewing the documents they sent for validation, I now have a better understanding of how the account was handled. I placed an order to XXXX and the original order was sent to the wrong address. The company said they would resend the items to my mother ( they were two of five gifts I sent her. ) Months later, I asked my mother why she never wore the dress and hat I sent she said she never received the items from XXXX. I contacted the company directly and informed them that she never received the items, requested a refund of the payments I made, and that the account be closed. I assumed my wishes were honored. Now I see that they were not. I made payments on the account until I was aware that the recipient did not actually get the items. I have an active complaint against the collection agency and am currently awaiting the company to issue a refund or provide a signed proof of delivery so I can find the person who accepted the items, IF they were actually delivered.

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 06/29/2015 about Debt collection (I do not know) with The CBE Group, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Began receiving repeated calls without identifying self and I learned from online search company is a debt collector whom I have had no previous business-letter-phone contact whatsoever?

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (OH).
Issue: Trouble during payment process

Complaint: Our mortgage was opened in  XX/XX/XXXX  with   XXXX   XXXX  . The mortgage was on a property that contained  XXXX  parcels. An escrow account was set up for the taxes and insurance. The payments on the mortgage were paid on time until XX/XX/XXXX , and then brought up to date in  XX/XX/XXXX . At this time, we discovered there were past due taxes on the property. CHASE was paying taxes on only  XXXX  of the  XXXX  parcels, which has now created delinquent tax bills including interest and penalties. Additionally  XXXX  sold this mortgage to  Bayview Loan Servicing . We have been trying to sell the property and payoff the account, however do not feel we are responsible for  XXXX  's error and lack of payment of taxes. This error is causing a delay in the selling of the property. We have reached out t o Bayview Loan Servicing  4 times in the past several weeks and have not received any assistance in settling this issue. We have forwarded documentation including tax bills, and other pertinent documents. At  one point, a representative from Bayview even acknowl edged there was an error, however that  XXXX  was ultimately responsible for the error.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 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: Account information incorrect

Complaint: The following items are reporting inaccurately to my credit report on XXXX XXXX and should be removed. XXXX XXXX XXXX -Never late/Balance incorrect XXXX XXXX XXXX-Never Late/Balance incorrect XXXX XXXX XXXX-Never had an account or contract with this company XXXX XXXX XXXX-Never Late/Incorrect Balance XXXX XXXX-Incorrect Balance The following companies have pulled my credit and have not had authorization to do so. I have reached out to each company and they can not provide written proof of a signed application to authorize the running of my credit. <P/><P/>XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Due to permanent XXXX, my fully guaranteed student loan was paid in full and discharged. I am on XXXX. Yet, credit scores from XXXX agencies have not changed. XXXX was my loan provider until they changed it to Navient a couple of years ago. As the loan was fully guaranteed and paid in full, my credit score should have improved substantially. So the problem is with the credit reporting agencies and the way Navient reported the payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My name is XXXX ( formerly XXXX ). I was just made aware of the class action suit against Navient and realized that the 3 times my husband lost his job, I asked if I could make lower payments based on my income and was told absolutely not. I was informed that my one and ONLY option was to forbear these loans while gaining lots of interest. I had no choice but to forbear my loans because we needed to keep our heads above the water. I TRUSTED THAT NAVIENT WAS GIVING ME HONEST INFORMATION!!!! But now I found out that Navient has systematically and illegally failed me at every stage of repayment, and I believe a lot of my interest was unfairly gained due to the FALSE and UNSCRUPULOUS communication that was given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (OH).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I HAVE NEVER DONE ANY BUSINESS NOR HAVE I ENTERED INTO ANY CONTRACTS WITH CHOICE RECOVERY ACC # XXXX. I did see the date of XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XXXX ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY release my medical information to a third party. PLEASE PRODUCE authorization or signature or something to show proof of this authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (GA).
Issue: Trouble during payment process

Complaint: My mortgage servicer, for the second year in a row, says that I have an Escrow shortage of {$1000.00}. That Escrow shortage was supposed to have been taken care of and factored into my Loan Modification from two years ago. Last year at this time I filed a similar complaint. The company called me in response to my complaint and factored it back into my loan modification arrangement and spread the payment of that shortage over a few years. I do n't know if they are going to try to do this every year. I made enough payments this past year to cover payment of my homeowner 's insurance and property taxes. This is the second year they have tried to squeeze out an up front payment of the supposed Escrow shortage that was a part of the loan modification that went into effect over two years ago.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: This is an ongoing issue. My wife and I did a Deed In Lieu with Seterus XX/XX/XXXX. They incorrectly reported the dates that we missed payments. We filed a complaint with the CFPB after disputing it with the XXXX, XXXX, and XXXX failed to correct it. Seterus corrected the issue and then incorrectly reported that we missed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have denied doing this. We filed a new complaint regarding the incorrect reporting ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and Seterus responded to the CFPB that they would correct the reports to no longer show us late in XXXX. I appreciate that, but it does not address the issue that we are showing late for XX/XX/XXXX. 
Our original loan with Seterus was closed XX/XX/XXXX when we refinanced. They issued a refund from the escrow on that account in the amount of ~ {$500.00} that we did not discover until XX/XX/XXXX. It was not given to the state, nor did we ever receive it. They consistently refer to the new loan when we bring it up or tell us to prove that we did not cash the check. It has been researched numerous times and promises to send the refund have resulted in nothing.

Company response to consumer: Closed with explanation