milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX 2016, I mailed my mortgage payment. The payment was lost in the mail. I received a call from Freedom Mortgage advising me that my payment had not been recieved this was XXXX XXXX, 2016 I immediatly placed a stop payment on the check at the Mortgage companys direction and paid my mortgage payment by phone. This is when my demise began I began getting calls advising me I had not made a payment. I provided an internet copy of my bank statement showing the payment had been deducted from my account. Upon reciving my bank statement I sent a copy showing the money had been taken out of my account. In XXXX I sent my check mortgatge payment certified mail. through this ordel I have spoke to supervisor after supervisor telling them I owe nothing there response was we will look into it. It appears that the person that took the info over the phone for the XXXX payment applied it to Principal again supervisor after superviosr advised me this would be fixed with no penaltys. I continue to get a call daily. they now are dunning me for the XXXX payment. They read notes each time they call and tell me this will be straightened out I continue to get a new perosn calling me daily. Typically while at work. I have never in 20 years been late on a mortgage and I am not behind now. I merely want this matter cleared up and the harrassment to stop. The incompetence of this company is horrible.

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 01/27/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I call Equifax to remove the unloock to run my credit report XXXX I spoke to XXXX the supervisor ( USA ) Nevada Employee Id. XXXX he requested to fax documents XXXX and bill utility I fax 4 times to this numbers XXXX and XXXX and they can dowloaded my paperwork I need to close my loan and each time they are running my credit report charge me {$100.00} what I paid {$400.00} to XXXX VIA XXXX. I CALL EVERY DAY FOR HELP. THEY ARE WORN ME DOWN AND WE DO N'T PAID TAXES IN XXXX and i do n't like to release my S.S. to them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit card or prepaid card (General-purpose prepaid card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: lost job an try to bounce back on my feet. my lawery suggested me to this site BKPT CT IL XXXX XX/XX/XXXX Type Bankruptcy chapter XXXX-dismissed Reference XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$380.00} XXXX XXXX XXXX opend XX/XX/XXXX {$13000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/30/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My office represented the borrower in a foreclosure case in XXXX Supreme Court. The matter was settled with a loan modification and the foreclosure case was dismissed. Even though my office no longer represents the borrower, because the underlying foreclosure case has been dismissed, my office still receives mortgage statements for the borrower. The statements lists the borrower 's name but my office 's mailing address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to get a modification on my home. I was first working with XXXX XXXX XXXX. XXXX XXXX XXXX had all the documents needed to start the underwriting process. My loan was then transferred to Rushmore Loan Management XXXX XXXX, 2015. When first contacting Rushmore in XXXX I was told they had none of my information from XXXX but was told it can take some time to get the documentation. When I called I was told that they were only given parts of the documents and the best thing to do was resend ALL information which I did. My case manager with Rushmore Loan Management has given me false information many times regarding my loan. Also when I spoke to her she said she needed more information faxed. I asked her to review the documents she did have and come to find out they already had the documents. I was then told that I needed {$20000.00} for a down payment if I wanted to save my home. If I had the {$20000.00} I would n't be having to try and get a modification in the first place. Also I asked her if she could please leave a voicemail if I do n't answer and leave me the information that they need. This has only happened once and she did n't leave a message with documentation needed she just left me her name and number. I am extremely frustrated and feel as if I am being mistreated by this company. I did not receive notice from Rushmore Loan Management that my house was being foreclosed on. I was notified by they trustee note taped to my door that my house is going into auction on XXXX/XXXX/15

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I reported a credit account, XXXX XXXX, on my credit report to Equifax for identity theft on XXXX XXXX, XXXX. I faxed the identity theft report, my driver 's license and social security card, my statement to remove or block the account from my credit report and a copy of the FCRA. I attached these documents to an email that was sent to me by XXXX. According to the FCRA 605 ( b ) the account should be removed/blocked within 4 days of receipt of the identity theft report. It was not removed in that timing. On XXXX XXXX, XXXX I spoke with XXXX XXXX and she confirmed that all documents including identity theft report was received and advised me the account XXXX XXXX was removed then and it takes 24 hours to update. I checked my credit report again on XXXX XXXX, XXXX and spoke to XXXX again and now he said they did not accept my identity theft report and put it in dispute which I did n't request Equifax to do. I did n't receive any written notification in 4 or 5 days of the identity theft XXXX and XXXX XXXX began to tell me they can deny but fail to explain why or send any letter saying such and that he was the highest level of management and nothing else can be done. I talked to XXXX XXXX once again on XXXX XXXX, XXXX and I was informed by the representative that she was sending to their special Handling team in regards to my identity theft report so the account could be removed. I checked my credit report again on XXXX XXXX, XXXX and it still shows in dispute which I did not request. I called Equifax again and spoke with XXXX XXXX and she did n't want to look at notes what was previously stated and kept stating that she was the highest level of management and refused to look into the matter. I asked for corporate information to contact management that 's over that department she refused to give the information and again stated she is the highest level of management and disconnect the call. I checked my credit report this morning and now they have removed the dispute and put in the comments voluntary repossession. Which everytime you talk to Consumer Affairs about an account my information is being reported negative and incorrect. This has been very frustrating and they have violated FCRA and refuse to go by what is required. This has hurt my credit tremendously because they are falsely reporting information and proper documents have been given. I am at my last attempt to get this resolved and have Equifax to do what is right and stop updating my credit report incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 received my credit report listing the following items I disputed. I have requested for several months Transunion to provide me proof of their verifying this accounts belong to me? If they can not provide me a Method of Verification then to DELETE these three accounts. 
This is my last request for them to delete these accounts from my credit report as it is hindering me from obtaining a home loan or any type of credit. Transunion has not denied me the ability to dispute these accounts online and by postal mail. I am requesting that they DELETE These accounts from my credit report as i have no knowledge of them and have never done business with these account holders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit card () with DISCOVER BANK (CO).
Issue: Customer service / Customer relations

Complaint: My Discover card, # XXXX, exp XX/XX/XXXX, was issued with a micro chip to replace my prior card. In that process Discover either erased or did not transfer my information from the prior card XX/XX/2016. Then I received my bill for that month of {$14.00} -- the entire balance of the account. I called in by phone and paid the account with the bank information on file with them for at least the last five years and received confirmation for the payment. The next month I received a bill again for {$14.00} but I did not contest it because I thought the payment had just not yet been posted. XX/XX/XXXX when the bill came it was on the bill again, a charge for {$14.00}, and I called to find out whether there was some error, some recurring charge I did not approve, so I talked to a representative by phone and paid the bill again! I clearly stated that this seemed to be the same bill as the month before, no research was done by the rep and payment was applied again. XX/XX/XXXX when I received the bill again for the third time I asked if it could be researched as I had not charged anything on that account since XX/XX/XXXX. The rep came back and said that when the card was replaced my bank account on file had been deleted so it was showing as an unpaid balance! I told her that the rep XX/XX/XXXX or at least XX/XX/XXXX should have told me this and there better not be a ding on my credit. I gave her my updated bank information, the {$14.00} was debited against the account and then I was dinged -- this was put in my credit file with all three credit bureaus bringing my credit score down over XXXX points! There is an audit trail of these events, I wrote Discover and asked them to remove this as it was their error that they removed my banking information and they did nothing. I am tempted to get a lawyer on this because this should be removed from my credit file by Discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Mortgage (Other type of mortgage) with CBM Mortgage, Inc. (VA).
Issue: Trouble during payment process

Complaint: We applied and were approved for a construction loan in  XX/XX/XXXX . We owned the land outright and so the loan was for the construction of the home only. Our lender,  CBM  Mortgage, recommended  XXXX   XXXX  to do the construction as they had recently done work with them. After speaking with the owner,  XXXX   XXXX , we entered into a building contract with him.  <P/> Construction on the home began in  XX/XX/XXXX . Throughout the process, the builder had issues making important dates and there were many problems. However, it became apparent that CBM Mortgage had given the builder draws that were not equal to the amount of work that had been done. No one with CBM has been able to explain the draw process - were appraisals done and if so, where are they? Were invoices submitted to justify payment?  <P/> There were many calls back and forth to both the builder and the mortgage company and we were assured everything was being done properly. Fast forward to  XX/XX/XXXX , and we receive a call from the owner,  XXXX   XXXX . He said all his assets have been seized by the IRS and he can not complete the home. A representative from  CBM  assured us that they will continue to work with us if/when we find another builder to complete the loan and if we need more money, they will make an exception to help complete the job. We began negotiating with some of the unpaid sub contractors ( the excavator ), but in that process, it becomes apparent there are several mechanic 's liens against the property ( over {$50000.00} ). CBM back tracked on their statement and said that until the mechanics liens have been paid, they are unwilling to fund anymore of the construction.  <P/> We believe that CBM Mortgage and   XXXX   XXXX   have ( or had  )  an undisclosed business relationship. We believe the owner of CBM Mortgage has loaned  XXXX   XXXX  money when times were lean and that he knew  XXXX  did not have a strong financial position. If  CBM  Mortgage was working in our best interests, they should have disclosed any and all information they had to make sure we could have made an educated decision. We also believe that  XXXX   XXXX  may still be in business as his trucks have been seen in the CBM Mortgage parking lot.  <P/> We are not sure your bureau is the correct department to handle this, but we certainly believe the lending process was not following as it should have been. Representatives from CBM Mortgage have been rude and unwilling to help. Now we face losing our land and future home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (I do not know) with Halsted Financial Services, LLC. (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they are using different fake phone numbers. they call and hang up only when i call back do they identify themselves

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I HAVE SUBMITTED COMPLAINTS TO XXXX OF UPSTATE NY CONCERNING THE BAD BUSINESS PRACTICES OF XXXX. THEY HAVE NOT SENT ANY DISCLOSURE CONCERNING A DEBT I DO NOT OWE AND HAVE NOT EXPLAINED WHY THIS COLLECTION AGENCY XXXX XXXX. ARE REPORTING FALSE INFORMATION ON MY CREDIT FILE CAUSING ME FINANCIAL HARM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2018 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: Ocwen Loan Servicing, its crooked lawyer XXXX XXXX intentionally failed to respond to my request for loss mitigation options to avoid fraudulent trustee sale. XXXX XXXX assisted troubled Ocwen with financial white collar crimes so that troubled pretender lender loan servicer could embezzle my property temporarily increasing its revenue. Since XXXX XXXX avoided my request for loss mitigation options and assisted troubled fraudulent Ocwen with white collar financial crimes slandering my title all over again recording another fraudulent notice of trustee sale I am left with no choice other then to litigate my matter in chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (WA).
Issue: Application, originator, mortgage broker

Complaint: I submitted a complaint to the CFPB on XX/XX/2016 regarding Roundpoint mortgage not allowing typical and standard costs that have been verified from the buyers lender in a Cost Estimate for his loan that we asked the bank to allow after raising our sales price to cover those fee 's along with Roundpoint paying for Title fee 's for the borrower so that we could insure our title at closing for the buyer. The complaint case # is XXXX. 
Roundpoint has continued to stall in making any decisions on this account and also has not replied to the complaint submitted on XX/XX/XXXX, other than " Roundpoint needs more time '' That again is a stalling tactic. the single point of contact " XXXX XXXX '' has continued to tell me that I can not get any info from the correspondence dept regarding what is going on with that complaint. He has also said that the file is still under review and has not been responded to although they say its been complete since XX/XX/2016. It is now XX/XX/XXXX without an underwriters decision. This file has been under review with Roundpoint since XX/XX/XXXX. That is 4 months too long to highjack any file and just let the borrower continue to make payments without any response to a bonafide offer that is ready to close. Please get Roundpoint to respond appropriately and legally.

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 10-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 
Now these creditors that were showing on my credit report they were removed but now they are trying to pursue for collections activities. These accounts were opened without my authorization and ALL COLLECTIONS ACCOUNTS must be removed immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I sent Optimum Outcomes a certified letter asking for proof of a debt they allege I owe. Furthermore, they have placed this against my credit with Equifax. They were given XXXX days to respond via mail and I have still not received the requested documentation I 'm allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with fraud alerts or security freezes

Complaint: This is a new Complaint on XXXX XXXX XXXX XXXX. I never received XXXX-mortgage interest statements from XXXX XXXX XXXX XXXX from XXXX - XXXX. These statements was reported to IRS, yet I never received copies to file my taxes. Since payments was made to XXXX XXXX XXXX from my checking account with XXXX XXXX XXXX. I have the right to receive these statements. The account number with XXXX XXXX XXXX was XXXX/XXXX.
XXXX XXXX never mentioned the {$100000.00} transferred to them from XXXX XXXX  on XX/XX/XXXX. I received a settlement from a XXXX XXXX law sue. Whom ever have my drivers license & social security card made this transaction. XXXX XXXX XXXX XXXX did n't inform me of the many payments made to them from XXXX XXXX XXXX & XXXX XXXX. It was a series of mortgage payments, with a series of account numbers. The was an account for XXXX XXXX XXXX paid on XX/XX/XXXX. The account number is XXXX in the amount of {$1000.00}. XXXX XXXX XXXX XXXX have mortgages that was being paid, using my accounts. A large amount was transferred to them. If it was n't the XXXX Family. It was XXXX XXXX, she was a XXXX before she got married. My youngest child is being used also, because he have a XXXX XXXX & he 's a XXXX XXXX. His name is XXXX XXXX XXXX/ his social security number is 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 12/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NV).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: On XX/XX/17 my sister & I each applied for an individual Best Buy Visa card, sharing the same last name & address only,  but different social security numbers. While she filed a claim with this bureau to received a written decision, I however have not received one, fueling confirmation that she was wrongly accused of having submitted duplicate applications. The enclosed list of my XXXX credit report inquiries page confirms my inquiry of matching application date, same as my sisters. However I have not received my decision letter, a violation of both the Fair Credit Reporting Act, & the Consumer Financial Protection Bureau.

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 10/22/2017 about Debt collection (I do not know) with Abrahamsen Ratchford, P.C (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received calls from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, PA. I never received any written notification. They did not provide any validation or verifying information. I do not have any debts in collections. 

It 's harassment and a violation of the FDCP to call someone who does n't have a debt in collection. Moreover, it 's harassment and a violation of FDCP to not provide written notification or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (AZ).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: On XXXX XXXX, XXXX my car was repossesed. 
On XXXX XXXX, XXXX Wells Fargo XXXX Department was made aware that the tires on the vehicle were leased and needed to be removed prior to car being sent to the auto auction fornsale. 
XXXX XXXX, XXXX XXXX XXXX XXXX sent over notice to sale vehicle to move vehicle tomauction WITH THE LEASED TIRES still on the vehicle. 

It appears Wells Fargo is refusing to remove and release the tires from the vehicle prior to the vehicle being sold. 

I have reached out to them again, this problem has yet to be resolved.

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