milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Trouble during payment process

Complaint: We have contacted Rushmore Loan Management multiple times about removing our Private Mortgage  Insurance. They continue to give us the run around and fail to reply back to us. They told us via mail that we qualified to remove our PMI. They told us the loan to value had to be below 80 %. And denied us an appraisal. We had to file a complaint with the BBB to get them to order an appraisal. The appraisal, which they refuse to furnish a copy to us, they state shows a 78.8 % loan to value. This is below the 80 % stated they told us via the telephone. Now they are telling us it has to be below 75 %. The actions of this company are criminal. We have been fighting with them since XXXX XXXX  2017, 8 months at the time of this complaint, to remove the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Experian credit report agency online document submission option is not allowing me to submit my dispute supporting documents. I have tried multiple times to submit supporting document on my disputing items with this agency report. On XXXX XXXX, 2018 this credit report agency had me on hold, when called them by phone, for XXXX hours. My documents where not accepted because their upload website is automatically timing out when I hit submit.

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 09/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Merchant ID XXXX # XXXX took what was supposed to be XXXX trial offer for a processor and credit card processing machine. We tried out the products and we suffered a charge-back within the first week of having the machine/processor. The bank called our company and advised us the processing account was closed which was 7 days after we opened the account. Now this company first data is saying we have to pay a four year lease because of the initial paperwork that we signed taking the delivery of this machine. Our salesman told us it was 30 days risk free and now this company wants thousands of dollars for the credit card machine which has been sent back to the company within the first 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX : It is an account that has never been mine and do not recognize at all, I have already disputed such account so the error could be fixed but no respond. Please remove account error from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2017 about Mortgage (FHA mortgage) with PRO MORTGAGE ASSOCIATES, INC (OK).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a mortgage and were approved for XXXX so then we found a house that was XXXX and they sent my realtor an approval letter for XXXX so we go to by the house and they declined us after they said they could. Then we find a house for XXXX that is way under their first approval and now they said that it 's still not approved because now they said I have to pay two of my credit cards off. And so we asked if we do that will we be approved and they said they are not sure. They never return our calls after multiple messages. They keep changing everything about our loan and what we need to. And we have lost two great houses because of it. And all they can say is sorry. Are you kidding me!!!!! And then they are putting signs on properties that do n't even qualify for what it says and they still just say sorry and wo n't do anything about it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: They told me I couldnt lower my payment and I wasnt able to do A forbearance anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax issue involving 145 million people. Confirmed with Equifax that my information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Other debt) with Alliance Data Card Services (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: this is in reference to paypal.a backhoe was for sale on XXXX, talk to the owner.said he do n't take credit cards.seller said he would send a invoice to my email.i told seller had only XXXX credit at paypal.seller said XXXX takes credit cards, next thing the invoice was sent I said ok and made a call back to seller.i said what is next. the seller said you are all set you are paid in full. I said how I only had XXXX and I just had received a XXXX -- raise but never XXXX.i just could not under stand how made a call got the run around. next thing I did was try to make as much payments I could. found out that I had 6months free interest. did not know what they were even talking about next thing some time at the end of XX/XX/XXXX, my statement came to my wanted post office mail paypal said they always sent mail. but they never did. only email.so in XX/XX/XXXX the statement said I need to pay only the min payment of XXXX never sent me a pay off balance. of what the balance was before they were going to hit me with interest.so I look at what the balance was and the balance was more than the last time I took a look XXXX now was XXXX some change. got a real hard time made a lot of calls. one call the paypal service name was XXXX, real wise guy. sent me an email. said that I will see some changes soon. on my account. next thing when I took a look. the interest was in the statement. but it was in a place you had to look for. XXXX. took the rest of my credit way. XXXX did in fact temper with my credit statement. XXXX never told me what he did but I could see clear threw. I made a lot of calls to pay the balance. with out the interest. which was around XXXXeach time I was told no no no they never sent me a pay off. they never told why they had to be the only ones. they made a jump from XXXX to XXXXjump to XXXX with out the facts of agreement. to me this is as bad as it gets.ps why is it that if you want to buy from XXXX. you have to go threw paypal. why is it when you press the button to buy and made a mistake. the item is paid for and you have to go threw XXXX to get you cash back. you have to call XXXX, then paypal, and some times the seller. please help

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have sent this collection company several letters to validate this debt and they still have done so and it is making it very hard for me to get any credit lines opened. It is even making me to where I can not find any housing to live in because of this collection agency. I need them to validate this debt because even the original creditor has informed me that they can not validate this debt so how can this collection agency even validate this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I called Nationstar and requested to speak to my dedicated loan specialist. I referenced their name as listed on my letters and two seperate Nationstar agents refused to transfer me to my loan specialist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX Purpose : {$4000.00} Cash returned to me. 

My Citibank DOUBLE CASH credit card, They were closed on XXXX XXXX but my {$4000.00} cash rebate was not given to me. 

Request CFPB to help solve. 

Above from : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I asked repeatedly for them to not call me at work gave them my cell and they still kept calling putting my job in jeopardy

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 12/27/2017 about Mortgage (Conventional home mortgage) with The Orange Coast Company, LLC (CA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX we closed escrow on our property refinance. As of XX/XX/XXXX our pre paid property tax remains unpaid. 

XXXX of XXXX XXXX XXXX contacted me on XX/XX/XXXX to inform us the XXXX County tax payment of {$1100.00} was returned to their office because it was short. It was during this call I explained that XXXX was being paid off with the closing funds and that the amount the County was requesting is wrong. You insisted we were responsible for paying the difference regardless because that was the amount the County was asking for. Reluctantly, I paid the difference of {$1300.00} on XX/XX/XXXX. 

I contacted XXXX on XX/XX/XXXX to inform them I received a corrected tax statement and needed direction from them on whether we he was going to contact XXXX County to obtain clarification. Per our phone conversation this morning, the County has confirmed the over payment however since they are still processing all the payments they received, they could not provide you with an estimate of when a refund would be issued to your company. I expect your company to honor the disbursements of funds set fourth in the closing statement, issue a check to XXXX County for {$1200.00} and call me within 2 business days to schedule a time to pick up the refund check due to me in the amount of {$1200.00}. 

We have paid the tax bill twice 1 ) during initial closing 2 ) on XX/XX/XXXX. They are now insisting we make a third payment of {$1200.00} to pay the corrected statement. 

I received the following response : " Hello XXXX, I understand your frustration and our apologies for your inconvenience. I spoke with XXXX at the tax collectors office 3 times today trying to get a better idea to resolve this issue. We reached out to you on XX/XX/XXXX only due to a letter ( attached ) we received from the tax collectors office that the amount sent was incorrect. We only learned about the cancelled tax bill last week when you called our office. Per XXXX suggestion, he stated that we check back with him mid-XX/XX/XXXX as they do not have control over when their office can send back the check we sent them. I suggested that we stop pay the check they are holding and issue the correct amount but he stated that the check may get processed and well incur a fee if they process it. We will stay on top of this and check with the tax collectors office on a weekly bases with the check status. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX   XXXX   Inquiry   XXXX / XXXX /  XXXX  .  XXXX  is in violation of the FCRA for failure to provide required notice to consumers with the allotted timeframe. I went to    XXXX    on the evening of  XXXX / XXXX /  XXXX   to inquire about switching my cellular service - many advertisements were run regarding their " specials ''. The  XXXX  sales person asked for my personal information to see what deals I may qualify for and the applicable terms. He tried 3 times to  CONNECT  with  XXXX  via the stores ' computer. A  XXXX  representative NEVER joined the CHAT SESSION. This process went on for about an hour of just trying to get  XXXX  on the line. Needless to say, I left the store, never knowing from  XXXX  what the status was because no  one  from their end ever called or chatted with  XXXX  or myself. To date,  XXXX / XXXX /  XXXX  , I have NEVER received any type of required written notice or verbal communication from  XXXX  explaining if I was approved or denied, from which credit reporting agency they received my credit information or the  credit score th at was used to base their whatever decision was or was not mate. HOWEVER, an inquiry is on my credit report from their company for  XXXX / XXXX /  XXXX  . I expect for the inquiry to be deleted IMMEDIATELY.

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 04/25/2015 about Credit card () with NAVY FEDERAL CREDIT UNION (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: About two years ago, I attempted to move from my small townhouse with my XXXX children. The mortgage lender asked how was my credit. Since I knew I had no negative information on my report so I replied great. My mortgage lender pulled a copy of my credit report. As we reviewed the reports I was in total shock. Navy Federal Credit Union LLC was reporting a completely false debt which was causing a denial of the loan. We 've been struggling for the past 3 years to improve life for our family and give our kids a stable home just to give it all. I knew the account was not mine so I wrote my first dispute to Navy Federal Credit Union 120 days ago stating that I may be an identity theft victim and as a result I wanted to see legal verification that this debt was approved or accepted by me. My first request was completely ignored so 90 days ago, I wrote another request and I even attempted to get a police report. Turns out you can not get a report if the incident occurred more than 12 months ago but I still tried. Then, approximately 45 days later I received a letter from them stating that they find the account to be accurate. How is this possible, they had not provided legal proof or proof of identity? I re-stated that the account was not mine and added in that this was my 3rd attempt and that they had still not provided proof per FCRA & FDCPA requirements in the event of identity theft they again stating that they were reporting accurate information and that they do not need to supply the requested information only that they have my name and address correct. How is this possible that someone can just say they have your name and address correct and you owe them a debt without no contract or legal proof whatsoever. How do they even know they have the right person???

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Activehours (MD).
Issue: Money was not available when promised

Complaint: I asked for help provided everything they asked of me. They still have n't reset my account. It takes 4 days for them to answer. They do n't use the screen shots I provided. They overdrafted my card and I took a screenshot of policy saying in that case there will be a refund. Please fix this asap

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/15/2018 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: Account information incorrect

Complaint: XXXX XXXX removed a fraudulent joint {$8000.00} credit card issued in XX/XX/XXXX.and closed in XX/XX/XXXX.  Equifax deducted 7 points from my credit score rather than the low impact 2 points. I have not been able to get an explanation for this variance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Over 5 years ago, I enrolled in a debt consolidation program with XXXX XXXX XXXX, a company you are currently suing. I finished my program, in which XXXX. sent me multiple confirmations that all of my debt had been resolved and/or settled. I currently found out through a credit check for an apartment application that one of my debts, Bank of America, was not fully resolved and has been collecting interest, as well as damaging my credit for the past 4 years. I have not received any notification from XXXX. or B.O.A. that I still owed anything in an effort to collect or settle this debt that XXXX. confirmed that they did. Attempts to reach out to XXXX. to fix this issue have failed, as they are now stating that they did not resolve the debt, and will not take responsibility for their failure to settle. On top of that, I had to pay taxes from a XXXX that has " debt cancellation '' printed on it for the amount that XXXX  confirmed they settled for. If I owed them, instead of them issuing a debt forgiveness, how is it that I have to pay taxes on it as if it were income? XXXX  from B.O.A. and XXXX. could not provide any answer to that. 

Moreover, they failed to satisfy yet another account during my program, as XXXX XXXX XXXX XXXX served me a wage garnishment order, in which my debt with them was resolved. XXXX   again, did not fulfill their agreement to me or my program for debt consolidation and resolution. I am now stuck with past due account of approximately {$5000.00}, in which XXXX. nor B.O.A. has notified me of in the past 4 years. XXXX XXXX XXXX did not fulfill their obligation me as a client and has left me in a worse financial situation from when I started.

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 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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 XX/XX/XXXX, I sent a letter to XXXX ( see Attached ) requesting for them to correct the errors on my credit report, AND to provide me with a validation document bearing my signature. There are several serious errors reported by XXXX XXXX and XXXX XXXX XXXX/XXXX ( All account numbers listed on my report ). XXXX send me a response stating they will not re-investigate these items. On XX/XX/XXXX, I sent a 2nd letter to XXXX to requesting for them to correct my report and to provide me with the a copy of the original document I signed, as well as their verification method. I also requested for them to give me the name, address, and telephone number of the verifying party. XXXX again, replied with the same letter stating that they would not re-investigate. As per the FCRA I am entitled to be provided with documentation from the credit reporting agency, bearing my signature, to validate the debt. Furthermore, this request is supported by XXXX v. Trans Union Corp., No XXXX ( XXXX XX/XX/XXXX ). <P/>I believe that XXXX should not be able to use " Bully '' tactics and hold consumers at bay from receiving lower cost financing. As you can see by the attached, I am having the same exact problem with Trans Union 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 03/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Found this debt on my credit report, but have never received any communication regarding it Sent a letter on XXXX requesting validation stating I would also be willing to settle the matter if they could provide proof They received the letter on XXXX, and as of this time they have not provided any documentation at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My address has always been XXXX, Tx XXXX until the XXXX address was changed to XXXX ( or XXXX ), Texas XXXX. The other addresses belong to my sons XXXX or 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 10/31/2016 about Mortgage (Home equity loan or line of credit) with Financial Business and Consumer Solutions. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/2006 my ( now ex- ) husband and I refinanced our home. This included a XXXX mortgage/home equity line of credit. As indicated on our closing documents, this was to have a variable interest rate. The mortgage was sold XXXX times. When the XXXX lien holder took over, we were informed that we had unpaid interest of {$14000.00}. We did not understand how we could have that much interest unpaid on a 6 year loan, as we were current on the loan when the third company took over. In my investigating into this matter, I learned that the second lien holder does charge interest. We have no control over who our mortgage gets sold to ( we 're now on our XXXX lien holder ), but we do expect the interest to be applied like it 's supposed to be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation