milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX Rushmore Loan Management Services made a payment from my escrow account for {$300.00} for Mortgage Insurance ( PMI ) due XX/XX/XXXX. The payment due XX/XX/XXXX was made by XXXX XXXX XXXX ( my prior mortgage company ) before the servicing of the loan was transferred to Rushmore. 

I spoke to Rushmore on the phone for nearly an hour attempting to resolve this and received nothing but the runaround from the representative as well as the supervisor that I spoke to. They said it was my place to prove that the payment was made by the prior mortgage company. These are records they should have received when accepting the transfer of responsibility. 

I paid to have proof faxed to them that the payment was previously made and have yet to receive any response. 

Rushmore Loan Services reviews speak for themselves. They are a terrible company to deal with and it is even worse that they were not selected, the loan was merely transferred to them. 

I find it absolutely crazy that they actually reside in Puerto Rico and are treating United States consumers in such a way. I hope the Federal Government steps in and shuts them down. 

I want the overpayment/duplicate payment of {$300.00} refunded to my escrow account ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Debt collection (Medical) with Venture Financial Services, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Back in XXXX of this year, I had a XXXX completed at XXXX XXXX XXXX. At the time of the XXXX, I paid {$30.00} on a credit card toward the bill. Since then, XXXX XXXX has not tried to contact me regarding a remaining balance. 

On XXXX/XXXX/2016, I received a letter from Venture Financial Services. They state I owe {$31.00} to XXXX XXXX XXXX XXXX XXXX. Because the bill is not itemized and the date the services were incurred was not listed on the bill, I can only assume it is related to the XXXX. I am not willing to pay this bill unless Venture Financial provides me with an itemized explanation for the charges which demonstrates I owe {$31.00} above an beyond the {$30.00} already paid back in XXXX. I am also concerned that XXXX XXXX did not process my {$30.00} payment correctly, primarily because they were undergoing a computer system change on the day of my appointment. The problems they were experiencing delayed my appointment considerably and this can be verified through their coordinator at the XXXX XXXX XXXX XXXX location, because I lodged a formal complaint about how disorganized they were on the day of my appointment and communication about my XXXX following the appointment. I am including a copy of my receipt from XXXX XXXX for your records.

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 04/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am submitting a complaint with documentation by PriorityMail. My Lender is arbitrarily not responding to my request for a short sale, MHA relocation assistance and a property valuation report. Enclosed is everything my agent, the buyer and I submitted that has to do w/my request and a few letters from the Lender. Denied due to incomplete documents and moved foreclosure to XXXX. I have been in constant communication by phone with my lender since XX/XX/XXXX to help make sure we complied with their requirements but to no decent outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: On  XXXX   XXXX , I submitted required documentation toward disputing several items on my credit report and notifying Transunion,   XXXX   and   XXXX   that I was a victim of identity theft. I submitted all the required documentation that was required by the individual credit reporting agencies and that which was required by law under FCRA sec  605B ( 15 U.S.C. ..1681c-2 ) the law states the with submission of my proper identification, along with law enforcement notification, ie. a police report identified items shall be block in no more than 4 business days. Upon approach to the issue, all institutions stated that there practice is to investigate for 30 days and that I would be notified at that point. Not only is this confusing it is illegal to the legal  duties of upholding the aforementioned rights of the consumer. I am placed into a position of feeling victimized twice. I seek that the information be blocked immediately for I am neither benefactor of the accounts nor did I give permission to another.

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 02/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other

Complaint: Capital one placed XXXX previously removed accounts on my report. Both accounts were closed in 2010. Both were sold to debt collection agencies. Captial One re reported these as new, with a balance, and as they are still owners of the debt. 
It is time barred debt, they no longer own, they have already closed and removed the accounts from my report. Illegal and violation of FDCPA to reopen and rereport

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I got my free Equifax credit report through the Annual Credit Report service but when I clicked on the link to dispute some items, it went nowhere. Whether intentional or accidental, Equifax made it impossible to link my credit report to my dispute. 

I tried going to the dispute site manually but was asked verification questions that did not match my identity which put me into a generic web dispute submission area where it was impossible to match my disputes to the items on my report. 

This is because Equifax 's report does not list any account numbers or partial account numbers nor does it list the full addresses associated with these accounts. I knew that the accounts were incorrect based on their balances and having them show up on the XXXX report. On the XXXX report I could flag incorrect addresses but not on the Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Auto) with Mendelson Law Firm (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I told them that this is not my debt, must be some mistake, I had to appear in court but did not get a chance to speak to the judge, was told to wait that some one would call me, I tried to explain but she did not want to hear any thing I had to say she gave me another court date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: We were unable to make our mortgage payments for a while and tried to apply for a HAMP which was denied by PNC Mortgage. At that point we made an agreement with the bank to do a short sale. We received a short sale offer which was denied by PNC. I believe the BPO that was sent to the bank was too high for a short sale property. The listed amount was as high as a house selling for top dollar in our neighborhood. We went to PNC Mortgage with a counter offer and that was also denied. I believe that PNC Mortgage is trying to for us into a foreclosure rather than accepting the offers for the sale. I had also written to PNC Mortgage asking for the information of our loan investor and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been trying to get my payments lowered to where I can afford them. Navient is telling me I am basically out of options and that I need to consolidate my loans with direct loans to get other payment options. I have no problem paying on my loan, but I can not give them the amount they want at this time. They are not working with me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX sold my mortgage to Carrington. I had no notification from either company. Carrington immediately filed a letter of foreclosure and refused my payments. I tried to work with them, but received a letter saying I had declined their plan, I did not receive a plan. Now I am losing my home

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Annual Credit Report Free from Experian, No can do.???

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 01-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/XXXX, a payment came through to my Bank of America checking account which over drew my account {$1.00}. When i realized this i tried to call BOA for 4 days straight because they notified me that they would add another {$35.00} fee for extended overdraft. I am a college student and in between student loan refunds for the semester so i did n't have {$2.00} to cover the {$1.00} that was overdrawn. In addition most banks give consumers at least 24 hours to bring the account current before adding a fee. BOA added the fee the same day, even though I NEVER signed up for overdraft protection and they could have not paid the charge and rejected it. I attempted to call BOA over the course of 4days, and on XX/XX/XXXX emailed them. If i had spoken with someone from Bank of America, this fee would have been waived and the account would have been brought current, eliminating the need to then charge me another {$35.00} fee for being {$1.00} over drawn. 

To summarize BOA paid a charge on my account without my authorization, bring my total account balance to - {$1.00}, and then charged me a total of {$70.00} in fees, which is predatory and excessive. 

I would like the total amount of fees {$70.00} returned to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-06-2016 about Bank account or service (Checking account) with U.S. BANCORP (AZ).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX 2015, US Bank rep. XXXX telephoned me and said my business account information was found on a known cyber-criminal USB drive, and an individual who was a target of a scam had my bank information and was instructed to pay $ XXXX account fraudulently. I explain I had " NO '' knowledge of what he was talking about and that it was the first I heard of it and there were no irregular deposits into my account as he could verify. He told me they would close my all my accounts and wire my funds to another bank, which they did on XXXX XXXX, 2015. 
On XXXX XXXX, 2015 they reported XXXX " Report For : SUSPECTED FRAUD ACTIVITY ''. This reporting caused XXXX banks to close my account until I can clear the matter. I can not open a bank account anywhere because it appears like I was the one who committed fraud. Instead of someone illegally had my account information on a USB drive and No single person put any unidentified money into my account ever. I have been a victim of identity theft for my business, yet they attached suspected fraud to my social security number. Now I am Blacklisted a Fraudster, with their unfounded character assassination.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Debt collection (Other debt) with Aargon Agency, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/2017 an account with Aragon Agency appeared on my credit reports. I immediately called the agency and was told it was for a past due XX/XX/XXXX account. I have never lived in Nevada and have never signed up for an account with XXXX XXXX. The company said that they would send a fraud claim packet and to this day I have never received anything I have also disputed with the CRAs directly and Aragon always responds that the infomation is correct and verified.

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 02/21/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I do not meet the minimum requirements for federal student-to this day. The Department of Education confirmed. The information was sent to XXXX XXXX, the DOE, Federal Aid, and XXXX XXXX. All have agreed and confirmed that I was wrongfully granted aid. And that Navient overcharged and failed to provide documentation to support the loan amounts they were collecting and reporting on. I just received bills that I'll be forwarding to all of the above and the Attorney General-acting on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed a home phone bill with the XXXX major credit bureaus and Debt Recovery Solutions, a collection agency for the original creditor. It was settled in my favor and deleted with the credit bureaus and Debt Recovery Solutions did not respond. After the credit bureaus deleted the debt from the last of my XXXX credit reports, Debt Recovery Solutions began to send NEW correspondence, as if it had not been disputed. They continue to threaten to report it even though it has been one year this XXXX 2015, since the first disputes to the credit reporting agencies. They say I am ignoring them, but I have already provided my dispute to the credit bureaus, now I feel like I am being harassed. I have read how they were sued and lost in court for harassing someone this year. Debt Recovery Solutions is XXXX XXXX XXXX XXXX, XXXX, New York, XXXX, phone XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX setup services at my location at XXXX, Florida XXXX. However, their services were never used as I had never received a modem. XXXX has billed me for their services even after speaking with a Manager in their call center, and I 've been getting continued collection notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I was part of the Equifax credit information hack. In addition to lack of personal notification that ALL of my personal and financial identity information was compromised, I find it unacceptable that I have to PAY to freeze my credit when I did NOT consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TransUnion Closed the disputes as valid and failed to remove the accounts that were fraudulent and they claimed they verified the accounts and provided me no such proof. This is by law a violation. I 'm attaching the documents that they have not responded to timely and are in violation of the law and I will be pursuing lawsuits unless they remove the accounts.

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 05/24/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage through Ditech Financial ( # XXXX ) and my XX/XX/XXXX payment was sent from my credit union online bill pay XXXX XXXX. It was received and cashed by Ditech on XXXX XXXX. My account has never been credited for this payment. I 've had XXXX conversations with customer service regarding this lost payment. I was initially asked to email the bank statement proving payment. The email went through and was not rejected or returned to sender. I called a few days later and they stated they never received the documents. I was then told by customer service to fax the proof of payment to them. I complied and the document was sent. I called back a few days later and they stated that it was now in review. The file has been in review for over 4 weeks and every time I call for an update they ask me to fax in the same documentation proving the payment was made. This is even after they have confirmed that the original proof payment was submitted and the file is in review. This feels like theft to me and their customer service has not been helpful in finding a solution. Please help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX is attempting to exploit a military move by double charging my family for service to our home at our last duty station and service to our new home. Accounts were transferred within reasonable time and XXXX was presented military orders that supersede ISP contracts through the service member 's relief act. 

I resigned my commission as an XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX last year. My wife, daughter, and I moved from XXXX state on XX/XX/XXXX. My wife attempted to transfer our XXXX account from XXXX XXXX XXXX, XXXX, XXXX XXXX to our new residence at XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX , XXXX XXXX. XXXX told her they were unable to transfer the account out of state and that she needed to cancel the XXXX account and open a XXXX account. They also informed her that we needed to pay for XX/XX/XXXX balance as well because we did not cancel within 30 days. She informed them that we are moving on military orders and they informed her that the military orders were not relevant. 

After moving to XXXX, we received a phone call in XX/XX/XXXX from Southwest Credit Systems informing us that we were in default of a debt owed to XXXX. XXXX had sent another bill for the month of XX/XX/XXXX for services to XXXX XXXX XXXX XXXX while we were concurrently paying for services under the same name ( XXXX XXXX, my wife ) in XXXX. My wife called XXXX and they determined we had been charged in error and that we were owed a credit instead. My wife called Southwest at the end of XX/XX/XXXX and in XX/XX/XXXX to confirm that they would not send the negative report to the credit reporting agencies. She told them that we are currently house hunting and that a negative credit report would be extremely damaging to us. Southwest Credit Systems informed my wife that they would not send the negative report to the credit reporting agencies prior to calling us first. 

We are currently closing on our first home purchase using the VA loan benefits earned from 10 years of serves and two combat rotations to XXXX. In the final credit check, our lender found the negative credit report enacted by Southwest Credit Systems on behalf of an erroneous charge by XXXX. 

We would like to have the charge removed from our credit record and for XXXX to settle the credit owed to us. 

Southwest Credit Reference Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: I apply for a Mortgage Loan, I received Underwriting approval with 3 % down payment on a conventional loan. All of the sudden the bank ( Franklin American ) told me I will need XXXX % down payment. They know I ca n't come out with that money because they have my bank statement. 

I am sure they did not like my loan maybe because of the area i 'm buying my house ( the dont want to lend money on that area ) my income or because the seller lost his house in Federal Court. Or maybe because I am pregnant and somehow they find out that. The Bank ( Franklin American ) allegedly found out the seller had criminal charges that ' why He/She lost the house through court process but what does it has to do with me? Seller/Reciever cancel the deal and I lost my deposit, appraisal fee, re-inspection fee, and I paid for some repairs the bank requested. I have suffered emotionally, financially and physically due to the amount of stress the loan process gave me.

Company response to consumer: Closed with explanation