milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My name is  XXXX   XXXX  I have a mortgage wi th Carrington  Mortga ge Loan  #  XXXX .  Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX . I have recently completed a trial period loan modification and my account has never been past due even prior to me going in to the trial period plan.   According to FHA 's servicing guide servicers are not supposed to report you as being past due if you were current going into the trial period plan. Howe ver Carrington continues to report me as delinquent. They reported m e as being 90 days past due in  XXXX  and 60 days past due in  XXXX . This despite a letter I received from them in  XXXX  apologizing for any past discrepancies and promising to correct my credit report. They suppressed reporting for  XXXX   XXXX   XXXX   XXXX  but then started erroneously reporting again in  XXXX . This has been going on since  XXXX   XXXX . How many times can a servicer wrongly submit info before it becomes negligent and should be punished.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2015 I paid {$2500.00} in one payment and my regular monthly payment is {$900.00}. The difference was intended to be principle but they placed the amount in an escrow account for insurance. The insurance was cancelled as I obtained my own and the escrow was supposed to be closed in XX/XX/XXXX and refund checks in the amount of {$180.00}. and {$910.00} we due to me. The letter stating this is attached. I have never received the checks. I called the office 3 weeks ago and they said they had to research and call me back. They never called so I called them a few days ago. The customer service person said I was n't entitled to the refund and the letter was in error. He also said the notes said if I called tell me that. I am entitled to the refunds. How can they sent a letter and then change their mind and not contact me. I would like this business audited by the Justice Department. I believe they are a crooked business and scam artists. I am a XXXX, if you do n't have time XXXX, I would be happy to assist.

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 01-07-2017 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA).
Issue: Fraud or scam

Complaint: I was contacted by XXXX and told that they had a gas scooter I had been looking for in stock. I sent the money by money gram and was given a bogus tracking number. They later contacted me again wanting additional money. Scooter not sent -- -- {$1400.00} lost.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (WI).
Issue: Trouble during payment process

Complaint: I closed my mortgage loan with US Bank my account # XXXX under XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX WI XXXX in XX/XX/XXXX. At that time I signed a servicing disclosure stating US Bank was to pay my property taxes before XX/XX/XXXX directly from my escrow account. I found out on XX/XX/XXXX that they did not pay our property taxes. I had XXXX in my account and my property tax bill was {$5300.00}. I had to scramble around to pay my taxes so I can use the deduction on my XX/XX/XXXX Federal and State tax  return. On XX/XX/XXXX I paid my tax bill. On XX/XX/XXXX I called and faxed my paid receipt to XXXX they showed receipt of my reimbursement memo on XX/XX/XXXX. To date I have contact them 4 times asking to be reimbursed for my taxes and also to be reimbursed for them holding too much money in my escrow account. I should not have to continue to wait for a response or reimbursement. My escrow account like I said also have over {$2000.00} in it much more than needed. This is my last try to get them to respond. I want my reimbursement now.

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 08-03-2017 about Debt collection (Auto debt) with CREDIT CONCEPTS, INC. (OR).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I had a car loan for a vehicle with Credit Concepts originated on XXXX for the amount of {$7600.00} In or around XX/XX/XXXX I asked them to come get the vehicle as I could not afford it voluntary repo, the company does not have record of Repossession date. according to the company the vehicle sold to another party for the amount of {$3700.00} and left me a balance of {$3500.00} still owing, the company never sent me any correspondence regarding balance owed however claim they did. I received a writ of garnishment, dated XX/XX/XXXX that stated I was to return the property of the lender which had already been returned, I never received notice of court hearing that i had the right to attend. i have contacted the company on several occasions to inquire about amount owed after the sale and asked for documents to be sent to me, never received any documentation. Today XX/XX/XXXX my employer was notified to garnish my wages for {$8400.00}. When I called the Company regarding why I was never notified of a court hearing I was told that it was served to a person renting a room in my home and that person signed for it, this is giving information about a debt to someone that is not me and has no connection to me, not even my spouse or personal relation to me. this notice of court hearing I never received. on my Credit report it states my balance is {$5100.00}. last payment XX/XX/XXXXcharge off date XX/XX/XXXX, and last on time payment reported on XX/XX/XXXX. Now I am being Garnished for {$8400.00} effective XX/XX/XXXX both of these amounts are higher than the balance I owed when the vehicle was sold and the company says it has continued to collect interest, however the company has made no attempts to contact me regarding this debt. and on the front of the writ of garnishment it states for that the final four of my social security number is to be printed and yet my entire social security number is printed there. When the vehicle was repossessed I contacted the company to inquire and was given no information as to how much was owed. I even recently disputed this company on my credit report because they were reporting the same debt 3 times on one bureau and one them was removed and even to this day are reporting two separate times for the same debt one says started XX/XX/XXXX closed paid in full the other says started XX/XX/XXXX closed charged off. So not only did this company fail to provide me with what I owed after the repossession sale, they also disclosed information of my debt to a third party, i was never notified of a court hearing against me so was never given an option to dispute this in court. They had a court hearing in a county that is 3 hours away from where I live, and now they are charging me well over double what my debt was after the vehicle was repossessed and sold.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I took out a private loan in 2005 for what I thought was a reasonable interest rate of 7.68 % standard variable not fully understanding how it compounded at the time. The original amount was 15,000 and the outstanding balance as of today is XXXX. Over the time span of 8 years I have made over 12,000 dollars in payments and the balance has done nothing but gone up. I could pay off a home mortgage quicker than this. The school at the time was XXXX University XXXX however I took the loan out through a XXXX bank private student loan who has since then sold the loan off numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (FHA mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Took a loan out with Santander Bank on XX/XX/2016. They escrowed money from my loan proceeds to pay all of XX/XX/2016 taxes. Just found out they never paid them and now I 'm delinquent on my borough and county taxes. When I called them they told me they never took out the money which I can see on my settlement statement they did. XXXX XXXX in Mortgage Servicing told me they never with held any loan proceeds. I want a full accounting of my entire settlement, since they also paid off homeowners, title insurance, etc. Every time I call them I get a run around.

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sent my Identity affidavit per credit bureau policy and procedures and the have failed to investigate and remove fraudulent information from my file even with my police report

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax report shows a hard hit from XXXX telephone services located 750 miles from where I live on Sunday XXXX I have called XXXX in XXXX XXXX Florida multiple times and they will not tell me if someone fraudulently used my info. to obtain services and or goods. I live in XXXX  XXXX Alabama 750 miles from XXXX. They also offer no help in removing the hard inquiry from my credit. Equifax also refuses to remove it even though they admit they do not believe someone who lives XXXX miles from a location would be attempting to get services in that location. Someone is using my info. or they searched the wrong # by error. I do not know which but neither company will help me. XXXX you understand does not offer services anywhere near where I live. And I certainly have made no trips or calls to this company. Please help..

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I submitted my renewal application for updating my IBR for Fedloans Servicing. They did not contact me to notify that anything was missing. I 've called twice, once XX/XX/XXXX and a second time on XXXX XXXX ( spoke with XXXX from customer service ) and sent multiple online messages asking for clarification. XXXX stated that it would be processed by the following morning. Each person I spoke to on the phone said all materials were properly submitted and that they were just awaiting processing. I received a message on XXXX XXXX stating that materials were missing from the application and that if I do not make a payment on the full amount, they would report me to a credit agency. They outright lied to me on the phone twice about the materials and never responded to a single online message. The online process tried to force me into taking some of the limited number of forbearance days instead of actually processing the materials.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I contacted portfolio recovery and advised.they will not listen to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been disputing inquiries with all  XXXX  bureaus since  XXXX   2017 . My initial dispute for  VALIDATION  was online and the results came back as " verified ''. When I called in  XXXX    XXXX    2017  to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute  XXXX   XXXX ,  2017  in writing asking AGAIN for VALIDATION and the  XXXX  bureaus returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts. I furnished the bureaus with a identity theft report and continue to ask them to show me the proof that the inquiries are verified. It has now bee n 60plus days and 3 di sputes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries. the  XXXX  bureaus are in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS,  ONE  MINUTE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but online they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely spe ak English an d I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Attached is a list of hard inquiries not approved by me and identity theft report. Please just remove all hard  INQUIRES, it  is prevented me from obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (SC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I XXXX for a company called XXXX XXXX. I received an email from a person calling herself XXXX XXXX, stating that her boss wanted her to make an order with the company. She asked what the total would be, and I told her {$320.00}. She said that a check would be in the mail for me and that she would let me know when it was shipped. On Wednesday, XX/XX/XXXX, I received the check, but it was in the amount of {$2200.00}. I was told by XXXX that her boss had accidentally sent me the total for XXXX 's paycheck instead of just the amount for the order. She wanted me to deposit the check, make the order, and then send her the remainder of the money for her to take care of her bills, kids, and mother. I deposited the check that same day. The amount of the check showed up in my transactions, but had n't shown up in my balance until Saturday. That indicated to me that the funds were available and the check had cleared, so made the online order and then I sent the rest to her. Yesterday,XX/XX/XXXX, I noticed the check had bounced. I spoke with the bank about it immediately and they did n't refer me to the fraud department initially. The lady I spoke with told me that there was nothing they could do, and to contact Wal-mart and the police department. I called today and spoke with the fraud department, and I was told that there is a difference between funds availability and the check clearing. Today, I also drove an hour to the Navy Federal branch, where I posed the question " how would I distinguish funds availability from a check clearing '', and I was met with a response of " the account would not look any different in either instance ''. What I 'm left not understanding is why were the funds shown available if the funds were not truly available? I was also told at the branch today that the funds were shown available because the bank trusted that I knew where the check had come from based on my relationship with the bank. Ultimately, it seems that the bank was just as trusting in me as I was in the person who sent this check asking for products specifically from the company for which I XX/XX/XXXX, so why am I the one being held liable for this negative account balance?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Per my previous complaint filed with the CFPB - # XXXX ( XXXX ), Transunion recognized their error and vowed to remove inquiries that were placed on my report without merit due to a glitch. 
I have received my credit report in the mail from Transunion. 
On page 6 of my report, I still see inquiries that were not removed, but promised to be removed by Transunion. 
Let me clearly state this again ( as I did in the first complaint ). 
The ONLY inquiry that should be on there as of today ( XXXX/XXXX/2016 ) : -- XXXX XXXX ( XXXX/XXXX/2016 ) As Transunion stated clearly in the above referenced CFPB complaint they would remove them all, I expect Transunion to follow through. 
Please remove any and all inquiries EXCEPT for the XXXX XXXX entry on XX/XX/XXXX ( that means remove the other XXXX dates ). 
I have again attached my identification to expedite the removal.

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 12-11-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: XX/XX/2016 I CALLED MY FINANCIAL INSTITUTION, US BANK, AND COULD NOT USE MY PIN NUMBER ON THEIR SYSTEM. I WAS CONNECTED WITH A BANK OPERATOR AND WAS INFORMED THAT MY ACCOUNT WAS BEING CLOSED. I THEN REALIZED MY CARD AND ID WERE NOT IN MY WALLET OR PURSE OR ANY POSSESSION OF MINE ( CAR, HOUSE, ETC. ). WHILE ON THE PHONE WITH THE BANK OPERATOR I INFORMED HER THAT MY CARD IS MISSING AND MY ID. SHE THEN TOLD ME I NEED TO FILE A FRAUD REPORT FOR TRANSACTIONS MADE ON XX/XX/2016. I ASKED HER WHY WAS NOT I NOTIFIED OF THESE TRANSACTIONS. I ALSO INQUIRED ABOUT MY PAYROLL DEPOSIT THAT I WAS EXPECTING THE NEXT DAY- XX/XX/2016. THE BANK OPERATOR TOLD ME THAT MY SAVINGS ACCOUNT WILL ALSO BE CLOSED BECAUSE OF THE TWO TRANSACTIONS MENTIONED. I INFORMED THE OPERATOR AND ALL OTHER US BANK PERSONNEL OF THE DAMAGES THIS WILL CAUSE TO ME BY NOT HAVING MY PAYCHECK AVAILABLE. I WAS TOLD TO MAKE A FRAUD CLAIM AND SO I DID THE SAME DAY. WHEN I SPOKE WITH THE OPERATOR IN THE FRAUD LIAISON DEPARTMENT I WAS TOLD I WOULD BE SENT PAPERS TO COMPLETE AND RETURN WITHIN 10 BUSINESS DAYS TO SALVAGE MY ACCOUNTS AND HAVE ACCESS TO MY MONEY. I WAS NEVER SENT ANY PAPERS OR FORMS FOR ME TO COMPLETE NOR SIGN NOR SEND BACK. I CALLED THE FRAUDE LIAISON CENTER AGAIN AND WAS FORWARDED TO THE FRAUD PREVENTION CENTER TO INQUIRE ABOUT MY PAYROLL DEPOSIT. I SPOKE WITH A VERY RUDE AND UNPLEASANT OPERATOR NAMED XXXX WHO ONLY ESCALATED MY SITUATION AND ENDED UP DISCONNECTING OUR CONNECTION!! I AM SHOCKED AND OUTRAGED AT THE SERVICE I AM GETTING FROM THIS BANK AND AM BEING TREATED UNFAIRLY AND BEING WITHHELD FROM MY MONEY THAT I WORKED FOR. I NEED MY MONEY AND I WANT MY MONEY REMOVED FROM THEIR INSTITUTION.

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 04/29/2017 about Debt collection (Medical debt) with AFNI INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This was an emergency room visit for my daughter At  XXXX   XXXX  medical center of  XXXX  Illinois. The date was  XXXX   XXXX    XXXX  . At the time of the visit I presented them with my daughters medical card, and then several months later I was contacted saying I owed them this money because they did n't handle things in the proper manner or something. I informed them this was their mistake and not mine to which they gave me a ridiculous list of actions that I needed to take for their mistakes. I informed them that due to the time lapse the medical card program was probably not going to pick up the bill now, and since then I have heard nothing from them and I had assumed they got everything straightened out, that is until I ran my credit report today and found out I was still in collections for it. I fail to see how their negligence should be something I have to pay for both literally and metaphorically speaking. Especially considering the reason I applied for the medical card for my daughter because I could not afford to provide her with the proper medical treatments myself.

Company response to consumer: Closed with explanation