milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AE).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage LLC was not the original loan holder for my house. Over the course of 3 years they acquired the mortgage. In XXXX 2015, South Carolina had massive amounts of flooding and many homes were damaged. Carrington Mortgage LLC took it upon themselves to send an inspector out to the home to inspect for damage and then subsequently charge XXXX dollars for the inspection. 
The problem I have is : 1. Not one point in this process did Carrington Mortgage reach out to me via email, mail or phone call to notify me of the inspection. 
2. Carrington did not provide me a report detailing what the inspection covered. Reviewing my XXXX 2015 billing statement, the inspection fee was listed and that 's how I found out 3. Carrington was unable to provide where in my mortgage documents stating that the fee they charged, I had to pay. They mailed me a copy of the documents circled a paragraph. In the paragraph it states nothing about an inspection after a disaster, nothing about an inspection that the mortgage company wants to do or anything. The paragraph clearly states that I must pay for all taxes, assessments, fines etc for the property. 
4. I am not even sure the company performed the inspection, as I was n't there or notified 5. Calling them is useless as they cant do anything over the phone. Everything has to be mailed or faxed. I have called three times to speak to them, each time a request must be sent to the Research Department for them to review and get back to me, approx. 30 days. When requested to be transferred by phone to the research department, they say they are unable to take phone calls. 

During a time of disasters companies find ways to profit from it. I think Carrington is one of those companies. Although {$15.00} is not a lot of money from one person, it could add up from XXXX or XXXX of people in SC that got charged this fee from Carrington. The home inspection, if they performed it, was to benefit the company not the consumer. This was them protecting themselves as such, they should be the ones to pay the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit decision / Underwriting

Complaint: This item should have been removed from my credit file XXXX XXXX as the XXXX mortgage was what Bank of America did was make a XXXX dollar payment on the XXXX mortgage on XX/XX/XXXX to extend the XXXX mortgage on my credit file until XX/XX/XXXX I have made numerous calls to Bank of America on this and complaints through the credit bureaus with no luck at Bank of America they just hang up the phone on me I did not think it 's was legal for Bank of America to make it {$1.00} payment and close out a loan as paid and closed on my credit file and stating that the consumer myself is the one who closed out and made the payment the account I never made such a payment nor did I make a payment on the XXXX mortgage which fell off credit report on XX/XX/XXXXThis is a XXXX mortgage were talking about from Bank of America why would I in my right mind make it XXXX dollar payment and pay off a XXXX mortgage when the XXXX mortgage was foreclosed on and has already been removed from my credit file I need to get this removed from all XXXX credit bureaus the XXXX mortgage. 

The XXXX years has passed I never made this payment of {$1.00} or closed out this loan I am attaching documents showing the XXXX dollar payment on XX/XX/XXXX on my XXXX XXXX credit report I also need to have this removed from XXXX and XXXX credit bureau reporting agency

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Just like the radio advised me I should do, I pulled a copy of my credit report and there areitems that just are n't accurate on it at all. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of the mistakes that are on your report about me. 

Please adjust the following items so if whoever looks at my credit report, they will see what a good payer and citizen I am. 


Incorrect Name : XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this XXXX and any accounts associated with it for violating the FCRA. 

XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this XXXX and any accounts associated with it for violating the FCRA. 

Incorrect Address : XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA.

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 04-04-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian reports an inquiry dated XX/XX/2016 from XXXX Bank on my credit report. I have a letter from XXXX Bank stating that they have forwarded removal of this inquiry to Experian.

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 07/20/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (OK).
Issue: Loan servicing, payments, escrow account

Complaint: Every single year Seterus tries to create an insurance policy on my property claiming the policy I have in place was not paid. The policy they put into place " on my behalf '' is, of course, a much higher premium. I believe this practice to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In early XXXX I signed up for a credit card promo where if I spent XXXX dollars on a credit card I would receive XXXX bonus points. I met those qualifications about 5 months ago and after numerous communications with American Express I have still not received my points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2015 about Debt collection (I do not know) with Kenneth, Eisen & Associates, Ltd. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A collection agency is reporting an attempt to collect to credit reporting agencies. I have never been contacted by this collection agent. I do not know for whom they are attempting to collect or what the {$130.00} collection is for. NO ONE has contacted me. I never received a bill I did not pay. I have not been given an opportunity to dispute or pay. The only knowledge I have of this is on my credit reports as negative information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit 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 explanation
Consumer complaint received 01/13/2018 about Debt collection (Credit card debt) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This company collects on XXXX XXXX loans such as Auto and Credit cards and XXXX XXXX  mortgage loans mainly. The Collectors use abusive language to collect from there customers. The collectors and company do not follow the FDCPA guidelines on there calls and letter campaigns. They do not have proper training and rules. 

They have a lot of quality and compliance issues and keep those employees that are known violators employed and unpunished. They need to get it together.

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 12/21/2016 about Debt collection (Medical) with Choice Recovery, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt and I would like it removed as it is reporting to the credit bureau 's and negatively affecting me. I also had insurance at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: CHASE CARD IS REPORTING 1 ( 30 ) DAY LATE IN XXXX, 2016. THIS IS FALSE AND UNTRUE. I PAY ALL OF MY BILLS EACH MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (I do not know) with U.S. BANCORP (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: elan financial put negative information on my credit report that i owe that money {$5000.00} dollars, the failed to verify any contract or prove how I owe them.. The failed to validate this debt that is not owed by me. I have written several letter to them. All XXXX bureau that i owe this debt to prove this debt with documents or contract according to federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is a third party debt collection agency. I have n't done business with this company  Choice Recovery  #  XXXX . Choice Recovery is in violation of the HIPPA act by accessing my personal medical records and billing. This account was never validated, by telephone conversation,  Choice Recovery was unable to locate exact information pertaining to this account. Please cease and  desist all communication and collection actions.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Payday loan debt) with McCalla Raymer Leibert Pierce, LLC (OK).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XX/XX/XXXX, XXXX from XXXX XXXX XXXX ( XXXX XXXX, NV ) called me regarding information regarding my mother stating there was a legal file to review ( I have the voicemail saved ). 
XXXX XXXX XXXX ( XXXX XXXX, NV ) Asked me to call XXXX I returned the call and XXXX answered the phone and shared my mother 's full name, address, date of birth with me before asking if she was speaking to the correct person. Further identifying that there was legal documentation/courier that was sending information regarding a civil suit. They then asked me to verify her social security number over the phone. I refused. She notified me that documentation would be mailed to the address she had confirmed earlier. 

I later found out that XXXX XXXX XXXX did the same thing and called my sister. They harassed my sister who lives in another city regarding this practice as well. XXXX XXXX XXXX began to harass me and my sister, on an alleged debt from XX/XX/XXXX or before that they believed occurred by my mother. 

This course of action inspired my mother to call this agency and after threats made to her about an alleged secured debt that incurred in early XX/XX/XXXX. To find out more information regarding this alleged debt, they tricked her into what she believes would restart the statute of limitations. 

These actions are completely ridiculous and should be actionable.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a modification review with Chase on XX/XX/2015. On XX/XX/2015 my attorneys office spoke with the lender and they stated that the underwriters were requiring clarification on XXXX XXXX XXXX XXXX personal loan showing up on my credit report and paychecks. The attorneys office provided the clarification and the Chase representative stated that the file was being sent back to the underwriter. On XX/XX/2015 my attorneys office called the lender again and spoke with a XXXX XXXX, who provided the status update that the documents were still with the underwriter pending a decision. On XX/XX/2015 my attorneys office called the lender again and was given the status update that the file was actually DENIED and kicked out of review on XX/XX/2015! The office provided Chase with the information that we were given false information for the last XXXX calls to Chase and an escalations representative came on the line and stated she would ATTEMPT to send it back to underwriting but because its been so long she is unsure if it will work. Please help! We have been lied to for the last 2 months! How are we able to complete a review if they are giving false information!

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (MN).
Issue: Account opening, closing, or management

Complaint: In XXXX my identity was stolen when my health insurance company was hacked. Somebody filed a phony tax return in my name. I got that cleaned up and thought everything was over. In XXXX XXXX the XXXX was breached and a person in OK XXXX had my mail forwarded to them illegally. There was enough evidence that a police report was filed. The following week I learned that XXXX credit accounts were opened in my name and cards were sent to OK XXXX ( someplace I have never been to and is XXXX hours away ) I was able to contact and correct the issue with XXXX out of XXXX banks/lenders. I first called XXXX on XXXX/XXXX/XXXX and was assured that the fraudulent report would be removed from my credit report. A few weeks later I received a letter dated XXXX/XXXX/XXXX stating that they were now refusing to remove it from the credit report stating that I has provided personal identification information and they were not at fault. I called them the same day XXXX resolve the issue. The person I spoke with for an hour was unable to reach their fraud department but agreed that this was wrong. They gave me a direct number to call the fraud department. I called again on XXXX/XXXX/XXXX and was placed on an automated system on hold for over 30 minutes without ever speaking to a person.

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 08-02-2015 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing the loan or lease

Complaint: bank of america gold option account has overcharged me for seven years as if I were a month late and tacked on upwards of XXXX dollars worth of fees that were misrepresented and not understandable by the statements I received. I also asked them to mail all statements and they only sent from XXXX instead missing at least XXXX statements so I have no way of telling how much they originally charged me on this loan and what the fees were. Ihave paid on time for over seven years and have bank account statement proof but they have informed me they plan to close the account as soon as is paid and this is going to ruin my credit score. also I believe I have overpaid but they are still billing me over XXXX dollars. I have gotten no help from calling as no one can tell me why the late charges are there as they can see I was never late or what those fees are. They also can not tell me where the first XXXX bills are or what the initial terms or agreement of the loan was or what the initial amount loaned was and what their initial fee was. I have paid XXXX on this loan. Customer service ranges from trying to be helpful, but having no knowledge of the account to being extremely sarcastic rude and unhelpful. This has caused a great deal of harm to me financially and otherwise. I really need help at this point because I need this to stop asap or I am going to go under. current fico score was XXXX but have had to apply for new credit so I know its all about to snowball.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Account opening, closing, or management

Complaint: I tried to sign up for a checking account with Capital One 360 checking. I was told that I was denied a checking account due to some type of score being too low.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was in school. apparently had no knowledge of this private loan, nor the high interest rates. I was definitely pressured into this loan. Unfare practices and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX my Husband and I gave {$2700.00} Dollar as earnest moneyto purchase a new house. Property price {$400000.00}. Lot Premium {$18000.00}. 
we wanted a Va loan.Va allow you {$410.00} we stated several time that wewould like to pay any thing over XXXX along with our up grade out ofpocket. our upgrade came to {$48000.00}. we gave {$5400.00} at the show room. 
we were told that we would close on XXXX XXXX that did happen. we were homeless for XXXX days calling every day we had to put our things in storage and stay in hotel costing us more money. after being with out home and no place to go now the docs are ready .we go to sign the docs and that our loan has been finance for XXXX this is after they had me to wire escrow {$70000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/2018. After further research regarding my Equifax credit file I found that my personal information had been breached. After several attempts to have inquiries, collection accounts that have not been validated as belonging to me, and a bankruptcy reporting after being removed from my XXXX  report I've still yet to see any changes being made. This has caused a major issue for me when legitimately trying to acquire a mortgage and financing a vehicle for my families needs.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Within the past couple of years I have had so many issues with the student loan servic e Nelnet. It  all began in   XX/XX/XXXX . My family  had already warned me that I needed to make sure that I filed for a deferment, forbearance, or set up a payment plan because the damage that student loans could do to your credit would be a life changing experience. I began begin contacted via mai l in  XX/XX/XXXX  a bout my loan payments and I quickly went off the information needed for a deferment/forbearance and mailed it back to  Nelnet. I nev er received confirmation that I was approved or denied. The letters stopped and I did n't worry.  In  XX/XX/XXXX  I re ceived a letter informing me th at Nelnet was  reporting me to the credit reporting bureaus because I had passed th e 90-day late payment mar k. I immediate had them to send the form and again and filed it out and faxed it while on the phone and asked why I had n't received any letters regarding the end of the deferment/forbearance. At the time I was informed by the phone representative that she did not have access to that information but with the forbearance the late-payments would be removed within a yea r. Since  XX/XX/XXXX , I  have been told that no such " forgiveness '' exists and I have been told that I was contacted in   XX/XX/XXXX  via  email address that was provided by my schoo l in  XX/XX/XXXX . I  asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just  XXXX  it up and deal with the damage toy credit.

Company response to consumer: Closed with explanation