milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have attempted to resolve this issue with Quicken Loans three times now with the continued generic response and non-compliance under the Fair Credit Reporting Act. Quicken Loans has failed to provide me with validation the inquiry was initiated by me. Per the Fair Credit Reporting Act 15 U.S.C. 1681g, I have the right to demand that you physically disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. You continued verbatim response of, We have proof you applied, is insufficient and non-compliant for the act and my request. I am demanding physical validation of the inquiry and that it was initiated by me, including any documents I physically signed. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness. The inquiry in question on my reports are unverified and unvalidated. Quicken Loans insists I was the one who initiated the inquiry when I was NOT. I have placed fraud alerts on my reports yet Quicken Loans refuses to comply with the Fair Credit Reporting Act and continues to report fraudulent activity to XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with WINN LAW GROUP, APC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was given a Payroll Memorandum from my employer stating they will be garnishing my wages. I was totally blown away had to clue what this was for? I looked at the address from the paper work it 's my sister address. I called the number listed they stated it was served to that address which i never lived there. I use my sister 's address to get packages shipped. The collector states he was awarded to garnish my wage due to me not showing up to court on a debt that was charged off from the cc company in 2012. I filed a dispute with that collector company and they stated you can file but? we are still going to garnish XXXX % from your employer. The paper work says XXXX Sheriff Levy and then says filed in XXXX, Ca. I do n't see how companies can do such a thing? Seems like total fraud a credit card company has charged off on the debt 2012 ... how can they harass and individual and then embarrass me at a new employer? I ca n't sleep and have been XXXX over this. I am barely getting on my feet financially. Please let me know what I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I went into forclosure in XXXX with bank of america and received a loan modification in XXXX. I paid on it for almost XXXX years on time and correct amount. Bank of america did not apply the funds correctly to my account even though they had the correct loan number address and my phone number and lawyers number. They sent my payment back to me in XXXX XXXX claiming i had not been paying the full amount on the contract when I did follow their contract they wrote.. They put me again in forclosure. I got another lawyer and bank of america forced me under duress of losing my house into another modify with terms unlivable. They also charged me {$28000.00} in interest penalties late charges etc. I found out that they resended the XXXX modify because they claim they were not the investors in the XXXX modify. I have a hard time believing that because I have payed my mortgage to them since XXXX. I need help they are ripping me off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I first Disputed item " XXXX XXXX XXXX Acct # XXXX '' on my Transunion report in XX/XX/XXXX, and it came back verified. I disputed again on XX/XX/XXXX, and once again it came back verified. I called Transunion on XXXX XXXX XXXX informing them that I had a signed letter from the President of the alleged Original Creditor denying any record of me or my account. but Transunion ignored me apparently, so I have sent them another dispute with copies of the letter. 

Please see attached signed USPS certified mail letter from the President of the alleged Original Creditor, XXXX XXXX at XXXX, stating neither they nor their Collection Agency XXXX have any record of me or this alleged account. 

Attached is also proof that XXXX of XXXX and XXXX XXXX XXXX XXXX are the same company. 

Under the laws of the FDCPA, I also have contacted " XXXX XXXX XXXX '' to request validation, and they have failed to respond to my request, so they can not have verified this account with Transunion. 

I am not sure what more proof they want aside from a signed letter from the President of the Company, at this point they are willfully and negligently misreporting. 

Please find all relevant documents and Certified Mail receipts attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: For the past 4 months, my mortgage company has returned payments for XXXX accounts I have with them because there was a past due amount that I did n't know about and therefore my payments were not enough to cover. I spoke with a rep with the mortgage company on XXXX XXXX to try to come up with a plan to get caught up. We set up a 5 month payment plan, verified the first payment amount, and he made sure I had the receive code to send the first payments through verified funds. When I was having trouble sending the payments, I called OCWEN and was told that the payment plan was not actually set up, that a manager call back was scheduled ( that I was not told about ) and that both properties are now in foreclosure status. In addition, there has been someone going to the property I rent out and harassing my tenant, telling her about the mortgage being behind, and telling her they would go out there every month until the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Vehicle loan or lease (Loan) with TCF NATIONAL BANK (NY).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I have used car Gateway One Lending & Finance company. Account number XXXX. And I am strangle with spelling my last name spelling and address. Calling again and again trying update my last name and address. Please help me update my last and fierst name and address. Thanks. XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX, Navient, XXXX and XXXX reporting loan payments XXXX days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In the first XXXX years that Seneca Mortgage Servicing, LLC has serviced our mortgage, they have failed XXXX to make the home insurance payment on time. Now we are dealing with a large insurance claim to replace the roof due to storm damage. Seneca only use standard mail to exchange forms and does not use email, fax or other faster forms of communication. It took XXXX weeks for them to send us the forms required to initiate their process. They say it will take another 5-7 days after receiving for them to process the forms and release the funds to pay for repairs - and that is best case. In the meantime, our roof is vulnerable to leaking during the raining/stormy season while Seneca crawls along " protecting '' their investment. Why is an archaic company allowed to remain in the mortgage servicing business when they are actually causing problems for customers and putting property at risk? If I had a choice of servicing companies, Seneca would be on my " never use them '' list.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I requested that this company verify the debt and they did n't send me any valid documents to support this debt. I also asked them to prove that they 're licensed to collect debt in NJ and they are not legally able to collect debt in this state.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Other debt) with AFNI INC. (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hello, I am a XXXX XXXX Veteran when I transistioned out of the service in XX/XX/XXXX-XX/XX/XXXX I fell into a state of homelessness and was unable to pay my bills. Since then I have been able to somewhat recover and attempt to get back on track with my financial responsibilities. During this period I was unable to pay my cell phone bill with XXXX XXXX XXXX. They have since sold my debt to collection companies ( multiple ). AFNI inc opened : XX/XX/XXXX amount : {$1400.00} Original creditor : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX amount : {$1400.00} Original creditor : XXXX XXXX My complaint is the fact that they sold my debt to multiple companies who are currently both trying to collect on me. How can I be forced to pay my debt twice to XXXX seperate companies. I have attempted to dispute this information on my XXXX, XXXX  and XXXX credit reports to no avail. I have been told I can not dispute that fact that they are the same account because the orginal creditors are not the same ( XXXX XXXX XXXX, XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to file a complaint against Bank of America. In XX/XX/XXXX, they informed me that my second mortgage, currently a payment of $ XXXX will increase to $ XXXX come XX/XX/XXXX ( this will be over $ XXXX more to budget ). I immediately took steps to try and work with Bank of America, since this increase is absurd and will be a hardship on me and my family. 
After XXXX months of filling out paperwork and speaking with countless service reps to get help, Bank of America informed me that the only solution they could offer me was to short sell my house ; not the better rate or combination of XXXX and XXXX mortgages I was lead to believe to be a viable solution. 
I can not believe that they would treat a good, long time customer like this. I have n't been late or let my mortgage lapse ever.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Medical) with Phoenix Financial Services LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I would like this debt to be verified. I do not have a contract with Phoenix financial service in I would this debt to be Verfied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because I have been ignored by Experian. My request has been to be provided with documents that their company has on file that was used to authenticate and verify a bankruptcy account. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be varied with accuracy, that I disputed. This information does not belong to me and my continued requested for verification has not been fulfilled. 
I have contacted the county with a response that they never report to the bureaus. I 'm attaching all my requests that have been sent to Experian ( and ignored ) dated XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. I 'm also attaching the letter that I sent to the county. Per Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be varied with accuracy, that I disputed. 
Please resolve this manner as soon as possible I have been dealing with this matter many months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I initiated my request for a loan modification with Seterus on XXXX/XXXX/XXXX. In order to get movement on my modification, I had to to reach out to my investor, XXXX, directly in XXXX/XXXX/XXXX. 
Seterus offered me a Trial Period Plan on XXXX/XXXX/XXXX which required that I make {$890.00} payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All these payments were made as agreed. To date, I have not received my permanent modification documents. I talked to a Seterus customer service representative, XXXX XXXX, on XXXX/XXXX/XXXX. 
XXXX said that modification papers were being drawn. 
The documents had not arrived by XXXX XXXX, so I called Seterus and talked to XXXX on XXXX/XXXX/XXXX who said that the documents were being generated. To date, no modification documents have been delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage has advised I had an escrow shortage of {$700.00} which raised my monthly payment from {$810.00} to XXXX, they have advised again within 90 days that my escrow was short by {$700.00} and raised my monthly payment again from {$890.00} to {$910.00} within 90 days. 

This is absurd. I have never in the entire time I have had my loan had this happen while I was with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I investigated the negative items on my reports that were not mine and I have not receive any proof of the proper actions taken. My accounts were not properly investigated. Experian failed to abide by Section XXXX, XXXX, and 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 03/29/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was sold to Caliber Home Loans from XXXX. We were to begin making payments to Caliber. We authorized our first payment to Caliber to later find out that Caliber turned the payment over to XXXX to cover a past due payment. I called and questioned why the payment did not get credited to the account number and company that I authorized it to go to and was told that Caliber. After questioning serval for phone agents I did not recieve satification in their responses. Since the payment would not be credited to the account I began to apply for a modification because we would now be behind with Caliber. After submitting modification paper work I was told that I need a profit loss statement because I received a XXXXmisc at the end of the tax year. I explained that I did not have a company and worked as a testing administrator as needed. I was told to find one online and fill it out. I found a generic form and filled it out averaging the total for the year in 2 statements and submitted the forms. Still upset that the payment did not get credited as authorized I was then told that I need to resubmit forms with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I find that the Bank of America online banking website for my   XXXX   XXXX   XXXX   card lacks enough basic information in obvious locations to educate consumers on their processes. This practice seems predatory. The statement balance amount and due date are n't automatically populated when you go from Account Overview to the Bill Pay Center tab of the site, which creates an extra step prone to human error while transferring the information from one place to another. The Bill Pay Center tab also does n't provide sufficient information, anywhere, that explains the different between  e-Bill  and  Recurring  Payments. When you try to establish an automatic payment, the website warns you that it takes a complete billing cycle to go into effect. My  XXXX  balance was paid twice (  XXXX / XXXX /  XXXX   &  XXXX / XXXX /  XXXX   ) and the latter was my e-bill initiated payment, which I was led to believe would NOT go into effect until it was time to pay my  XXXX    XXXX   statement. The website should provide a warning that my e-bill initiation would cover a specific statement. Consider elderly people, people living paycheck to paycheck, or young credit card holders that can not afford the mistakes that the BOA website seems designed to lead people to make. The mobile application is not much better! Until recently, your monthly statement balance was not easily located and also required poking around on lots of screens until you discovered useful information like statement balance.

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 08-12-2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I used XXXX to request my XXXX free credit reports online. XXXX and XXXX provided the requested credit reports immediately. Given the same information, Experian 's response was " We are unable to process your request. Please call us at XXXX XXXX XXXX XXXX. " Eight days later I tried again to get just the Experian credit report on annualcreditreport.com and received exactly the same response. Attempts to use the Experian phone menus were unproductive and frustrating and at no time was I offered the opportunity to speak with a human to resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent TransUnion letter after letter for over 4 months asking them to verify the information they are reporting or remove it if they cant. They have repeatedly ignored me and sent me back my credit report saying they did verify it and wont remove it yet they sent me NO paperwork or information backing it up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (WA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a Discover card on XX/XX/2017. During the application process I was told to upload a copy of my driver license and SS card, which I did on their online portal. Then, a Discover representative called me to verify information. The application was declined. When I called into the reconsideration department I was told that they were unable to verify information I provided and the application was declined and the decision was final. If I wanted further consideration, I would need to reapply, resulting in another inquiry. 

I now have an inquiry on my credit report from Discover Card which they say they will not remove. This adversely affects my creditworthiness. 

They did not properly process my request for credit. I have a XXXX FICO score, so it is unusual that I would be declined with that score.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Transaction issue

Complaint: I paid a company named XXXX XXXX XXXX a total of {$14000.00} over several cards and transactions for a custom e-commerce website and coaching services. They made all kind of promises of income between $ XXXX $ XXXX a year. It has been over a year and I find that I have not made a penny. Besides that the coaching did n't exist and the " custom '' site was nothing more than a substandard, rudimentary, cookie cutter that was never completed. They never finished the logo, never provided any marketing or the coding thumb drive as promised. They ripped me off and I am hoping that someone at my bank can help me get my money back. This company is still operating and I would like to dispute these charges. Services were not rendered and what I received was not what was described. I will be reporting them to the FTC as they are clearly violating the laws and need to be shut down. Please help me.

Company response to consumer: Closed with explanation