milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Mortgage (FHA mortgage) with CORELOGIC INC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I found out that the second portion of my property tax had not been paid. My lender XXXX XXXX XXXX has been using a third-party called CoreLogic. This third-party is responsible for the payment of the property tax. Since XX/XX/XXXX I have notified XXXX XXXX that there was a problem. I was continually told that the property tax was paid just to find out through my refi lender and through the county that the money was not received. A couple months ago I called XXXX XXXX again XXXX have XXXX way conversation with County about the amount of property tax that was due. After a thorough conversation of the amount that was owed CoreLogic did not pay XXXX XXXX in XXXX which added on another late fee. XXXX XXXX told me that CoreLogic had said they contacted County and the property tax was paid an up-to-date. I was finally able to reach an agent with CoreLogic and let her know what was happening. She told me to send her the message from County that there was still money due. The whole while XXXX XXXX is telling me that CoreLogic is saying that they do n't know anything and that I needed to pay the remainder amount of {$250.00} because it was not part of the property tax. Between XXXX XXXX and CoreLogic it has been over 6 months that I have not been able to refi my home and my phone has been up for grabs for the bank to put a lien on it. CoreLogic has been irresponsible in its dealings and has not make sure that the money being sent to county is the proper amount. They have kept me going around and around in a circle calling and having be on the phone for many hours trying to figure out what the problem is. I have a recording of my conversation with a XXXX XXXX agent who said that CoreLogic was saying the property tax was paid in full. I was told that I would have to send them a bill showing that the {$250.00} was from property tax which they knew it was from. I am demanding financial compensation from CoreLogic for the ridiculous hassle and worry they have caused me for over 6 months going back and forth trying to get this situation resolved and the whole time I could n't refinance which cost me money. They are a huge part of the problem along with XXXX XXXX who I am also seeking compensation from. If this is not settled I will be taking CoreLogic to small claims court and bringing along my recordings. I am asking for a {$2000.00} settlement.

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 07/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an addresses which was also fraudulently used and that is XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX XXXX # XXXX XXXX, nc XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX # XXXX and later discoverd numberousotheraccounts as well here they areacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX opened XX/XX/XXXXNCXXXX XXXX XXXXacct # XXXX XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/2015 a request for modification review was sent to US Bank. On XXXX/XXXX/2015 at XXXX XXXX a call was made to US Bank - XXXX x XXXX and spoke with XXXX. The notes XX/XX/XXXX from processors were that docs were needed : co-borrowers signature and date on RMA, current retirement award letter and two months proof of receipt, and two months proof of receipt for SSI. On XXXX/XXXX/2015 these docs were faxed to the lender. Nothing had been received from the lender concerning addition missing documents until XXXX/XXXX/2015, where a voicemail was left for XXXX XXXX the processor after a letter stating that an updated XXXX form was needed. This was faxed to US Bank the same day. On XXXX/XXXX/2015 XXXX called in and advised of a new LIST of documents needed now. Stating that they need updated retirement award letter and a XXXX for co borrower - advised XXXX was received, but they want a separate one for XXXX, the co borrower. On XXXX/XXXX/2015 all the above requested documents were faxed to the lender. On XXXX/XXXX/2015 a third party attempted to get an updated but US Bank stated that the authorization had expired and could not speak with them. By XXXX/XXXX/2015 a new authorization was provided and faxed to the lender. On XXXX/XXXX/2015 a call was made to US Bank by the authorized third party and XXXX stated that we needed to add tax ID on third party authorization and that both borrowers need to sign the power of attorney to discuss the file. She was questioned as to why and she did n't know. A supervisor was requested and then the call was transferred to a line that rang and rang with no voicemail or pickup. Later that day the Tax ID number was added to the power of attorney and re-faxed it to US Bank. In the meantime no document stating of missing documents were ever sent to the attorneys office or the client. It was n't until XXXX/XXXX/2015 that the authorized representative from attorney 's office was able to speak with the lender and they stated that they were missing an updated award letter. The most updated award letter dated XXXX/XXXX/2015 had been previously faxed to the lender MULTIPLE TIMES at this point. Again this document was faxed same day to the lender. On XXXX/XXXX/2015 a call was received by the authorized XXXX party that the file was closed on XXXX/XXXX/2015 and a new submission was required. This is absolutely ridiculous. The lender played games not requesting all the needed documents at one time, but when documents were requested they were received in a timely fashion. There is absolutely no reason that a resolution should not have been reached by this time, let alone CLOSING the review. This review was handled haphazardly in a fashion to promote the foreclosure of XXXX XXXX 's home, when he has been doing everything in his power to attempt to work it out with the lender.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Application, originator, mortgage broker

Complaint: I applied to reduce my interest rate on my mortgage through Nationstar Mortgage LLC they then had someone from Greenlight Loans contact me. They then asked that I sign " Borrower 's certification and authorization '' five ( 5 ) times in the year 2015. Each time I asked why did I needed to resign the new form. I got a different excuse each time by a new Loan person. I wish to have at least XXXX of the requests from my credit reports. I had excellent credit before they pulled my credit each time.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Roughly 5 years ago, in my mid XXXX, I filed for bankruptcy. I hoped that by doing this in my early adult life, I could then be prepared to move forward with my life ( buying a home, starting a family ) in my XXXX. Now, at XXXX last XXXX XX/XX/2014 I started my search for a home! 

Upon receiving my pre-approval and getting my credit report, it was brought to my attention that there was an outstanding amount for {$3500.00} with XXXX on my report. I went back to my bankruptcy paperwork and yes, this {$3500.00} was in fact included in my bankruptcy -- it was paid, but somehow 5 years later was still a huge red flag of delinquency on my credit report. I could n't believe it had been sitting there for 5 years hitting my credit negatively. 

In XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX asking them to remove it. I did n't receive a response. When I called to follow up on the status, they directed met to call the XXXX credit bureaus to have them take it off on their end. I ended up getting in touch with TransUnion via a form, and received a cryptic response of their " investigation '' -- the amount still was on my credit report. 

Today, I sit in complete and utter sadness -- my loan for the home I 'm looking to purchase is at a dead stop because of this incorrect listing on my report. I spent most of yesterday ont he phone with XXXX, asking them to remove it as swiftly as possible ( I 'm t minus 4 days until my targeted closing date ). Their response : " an investigation will take XXXX hours and a solution could take XXXX more days on top of that to remove it ''. I more than likely will be losing my opportunity to purchase this home because of their lack of response to my initial letter in XXXX, and their incorrect, sloppy administrative practices -- XXXX months of " deliquent '' has been hitting my credit report and now, preventing me from obtaining a loan to buy a home, despite years of work to repair and move forward from my early credit issues. 

I 'm devastated and do n't really know where to turn at this point. I plan on following up with XXXX today to try to make them remove it again, but I 'm terrified the sellers will be backing out and additionally, I will lose the {$14000.00} deposit I 've already submitted. I ca n't believe this is happening ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I submitted a police report to Transunion for Fraudulent accounts on my credit report, They placed a 7 Year Fraud Alert on my report ... Someone is STILL usuing my information to inquire about obtaining credit, I ca n't stop these fraudulent inquiries with them not providing my correct phone number. My credit has been ran NUMEROUS times. No phone call, to approve request so I could tell the, it 's CLEARLY not me applying for credit. I 'm attaching a list of the Inquiries, all with a XXXX date are Fraudulent and should be removed according to the FCRA guidelines.

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 06/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This is what I have written to XXXX and the accounts I am disputing are in 3 separate letters and they have failed to do the following : # 1 properly investigate # 2 provide the documentation made available to me under sections XXXX and XXXX as well as # 3 correct my credit report *Please see the documents that I have uploaded that contain my disputes. 
In part, this is what I wrote to Experian : I have specifically made complaints against you to the Consumer Financial Protection Bureau in regards to your failure to investigate the accounts that I have noted as inaccurate as well your negligence in provided the required documentation I request and made available to me under section 1681 of the FCRA as well as section 609. 
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Pursuant to section 1681 and comments by Congress, I have notified you that these accounts are incorrect and I require that you send me all the documentation that upholds the listing that you have on my credit file. Your job is not to " interpret '' the FCRA - Congress states that this is in clear language that you can not simple repeat what the creditors say and that you must go beyond what you receive from the creditors to determine if what you received is accurate or not. You have not done so and I can see that most accounts were not even investigated :

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 11/18/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Rewards

Complaint: When I got my Wyndham Rewards Visa Signature card last year, XXXX of the terms on the card was that on every anniversary, I will receive XXXX Wyndham Rewards points. The anniversary is in XX/XX/XXXX ( so its almost 4 months into the year now ) and I still have n't received my rewards points. I initially reached out to Wyndham and they redirected me to Barclays bank because Barclays bank services the card. I reached out to Barclays several times in the past couple of months and they keep asking me to wait. When I called in XX/XX/XXXX they told me that the points will be credited on XX/XX/2016. Today is XX/XX/2016 and that has n't happened so I called them again and again same story where another team handles the issue and the customer service team ca n't really do anything to expedite the process. As a customer I expect the points to be credited in a timely manner without me having to follow up several times. In exceptional scenarios when things go wrong and I do have to follow up, I expect customer service to solve the issue on the first call and/or give me a definitive date on when it will be resolved - not just kicking the can down the road expecting the customer to eventually give up. I want to use these points to book a reservation for an upcoming trip and ca n't because Barclays would n't credit it in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2017 about Mortgage (VA mortgage) with U.S. BANCORP (VA).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX US Bank did not supply me with an Escrow analysis or a year end statement as in previous years. In fact In complained about in here in CFPB, because they had sent letters saying they were sure There was going to be an escrow shortage. Then between XX/XX/XXXXand XX/XX/XXXX, they change the amount 3 times. Without providing any documents of the escrow and just sent an amount with no, accounting. During that period the record shows that I filed 2 complaints with the CFPB. US Bank delinquency in providing me with the amount of the shortage actually created more of an issue. Instead of providing a year end statement and escrow analysis in XX/XX/XXXX which would have afforded 6 months before taxes were due, the bank waited until XX/XX/XXXXbefore providing documentation and that only after I complained the second time. That effectively left me 1 month to prepare. In fact, if the analysis had been in XX/XX/XXXX, then the 6 months could have shown a smaller monthly increase to cover the shortage, rather than a big bang the month before the taxes was due for the 1st installment. <P/>I found that to be rude and non customer-centric. <P/>I received a notice in XX/XX/XXXX that defined the terms of the payment. The shortage amount as listed as XXXX and it was added that if I were to send in that amount then my monthly PITI would be XXXX. <P/>So I sent in the check ( # XXXX ) for the amount of the shortage which was delivered to US bank on the XX/XX/XXXX, deposited on the XX/XX/XXXX and posted on the XX/XX/XXXX. The check was clearly marked Tax escrow only.
<P/>
My bank is also showing an ACH transfer ( XXXX XXXX ) delivered on the XX/XX/XXXX for the amount of XXXX matching the PITI which was dictated by US bank as the amount of my mortgage starting in XX/XX/XXXX should I chose to pay the shortage. <P/>I have received a statement from US bank saying they are using a suspense account, that they are charging late fees ( XXXX ), and that my monthly PITI 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 non-monetary relief
Consumer complaint received 06/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: Sir/Madam : While on vacation in XXXX XXXX, XXXX last XXXX XXXX, 2017, I checked in to XXXX XXXX for XXXX XXXX. After 3 days I was discharged, but to my shocked I was billed for {$62000.00} on my Chase Bank visa credit card. Chase Bank agreed to pay this amount. Chase Bank refused to listen to my appeal. My visa credit limit is for only {$15000.00} and Chase Bank went way way beyond the credit limit. <P/>The XXXX XXXX XXXX in XXXX is only for {$21000.00} and this hospital charged my credit card {$62000.00}, three times of what they would charge for an XXXX XXXX XXXX. I was treated not for XXXX XXXX XXXX, but for a simple XXXX XXXX. It would cost a couple of thousand dollars to give an XXXX XXXX. No question I was victimized like other American tourists that needed some medical treatment. <P/>My wife and I are both retirees and dependent on our SS pension for our daily existence. There is no way we can pay this humongous and unjust charges. It took us several years to save for our vacation to XXXX. The monthly interest plus principal payment on this huge amount would be around $ XXXX-XXXX monthly. This is way beyond our budget. We ca n't survived with this added amount to our budget. Please help to make Chase Bank to rectify this unjust charges. Before checking in to this hospital, I have a credit card balance of XXXX which leave me {$8000.00} I can spend. I 'm willing to pay the whole {$8000.00} to this hospital just so we can go with our life. <P/>We badly need your help. Chase Bank is a multi XXXX company and should be considerate to tightly budgeted customers like us. <P/>Sincerely, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (Auto) with TRANSWORLD SYSTEMS INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/2015, my vehicle was rear ended at a red light in XXXX County, XXXX. 
The driver admitted he was at fault and his insurance company provided me a rental car via his policy coverage. 
Before the settlement of damages from my vehicle were paid to me ; my car was deemed a total loss, the rental car company reported the vehicle stolen. 
XXXX XXXX a Car ; is the rental agency. Also known as XXXX XXXX. 
They reported the car stolen on XXXX/XXXX/2015 and Never informed me of course. 
On XXXX/XXXX/2015 on my way from a job interview in XXXX XXXX, MD ; I was detained by the XXXX XXXX Police Department for alledgely Grand Thief Auto. 
I surrender the vehicle, along with XXXX sets of key and the temporary registration ; naturally the temporary registration was in my name. 
The vehicle was in perfect condition at the time of my detainment and later arrest. 
All the Court proceeding were XXXX XXXX in regards to the friviloious stolen vehicle charges. 
Apparently once the XXXX XXXX Police took possesion of the vehicle they not only stole out of the vehicle my {$1000.00} XXXX sports jacket I wore to my earlier job interview ; they cause {$340.00} damages to the rental vehicle. 

Thus XXXX Damage Recovery Unit-XXXX XXXX, MO XXXX has turned this case over to Transworld Systems , INC, XXXX. 
# XXXX XXXX XXXX XXXX. 

I have sent two written correspondences requesting to dispute the non valid {$340.00} fee because I do Not work for the XXXX XXXX Police department and can Not be held responsible from their dishonest and apparently criminal actions. 

This harrassement must stop and I would appreciate if your agency could get involved to stop this non valid attempted debt collection. 
Not only was I injured, my vehicle destroyed to no fault of mine, Court proceedings and now harrassement of a debt I do Not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with Professional Claims Bureau, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My son who was  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2016  saw his doctor at  XXXX   XXXX   XXXX . He has insurance through his step-mother 's plan. I did pay his co-pay of {$15.00} when he received a bill for that. However, I got a bill in my name for {$220.00} and could n't get an explanation of why he would even owe this money. I have no idea why this bill is in my name as my son is n't on my insurance and is an adult. They sent it to a collection age ncy, Professional Claims Bureau,  in  XXXX , NY. I have repeatedly told them this debt should not be in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (AP).
Issue: Fraud or scam

Complaint: Sensitive information was divulged without permission due to hack. Company ( Equifax ) internal security is flawed and inadequate leading to breach. I am currently in military active-duty stationed in XXXX XXXX and TrustedID credit monitoring service for 1 year does not seem adequate ; also terms of service limiting future legal rights/arbitration seems unethical and unfair.

Company response to consumer: Closed with explanation