milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2017 about Mortgage (Conventional home mortgage) with WATERMARK CAPITAL, INC. (VA).
Issue: Closing on a mortgage

Complaint: We believe that Watermark has violated the Loan Estimate that they gave us, and we need your help to get our money back. 

We recently used XXXX XXXX XXXX to finance our purchase of our current residence. Our official loan estimate ( formerly called a good faith estimate ) said that we would receive a {$1400.00} lender credit to offset the {$1400.00} origination charge on our loan. However, we only received a {$620.00} lender credit. The difference was attributed to a charge for a rate lock that we do n't believe should have been issued ( explained below ). 

We purposely scheduled closing on XXXX XXXX, 2017 to avoid any rate lock costs ( we provided paperwork to them confirming this - it actually involved a formal change to our purchase agreement ). A few days before closing, and after our financing contingency expired, Watermark said that because they had made a mistake on the closing disclosures, they would have to resend the closing disclosures, and in order for them to sell the loan to XXXX, that necessitated a four day wait between sending revised closing disclosures and closing, meaning that they needed us to close on XX/XX/XXXX, rather than XX/XX/XXXX. Watermark then charged us {$870.00} for a rate lock for the extra day. We do n't believe that we should have to pay for this because A ) both us as the buyer and the seller were ready to settle on the XX/XX/XXXX B ) the change in date was for Watermark 's benefit ( so they could sell the loan ) and C ) the need was due to their error. We raised this issue at the time, but Watermark said that they could n't change it in time for closing ( which was just a few days away ). 

We previously tried working with Watermark through the Better Business Bureau ( https : XXXX? section=complaints ), but they blew us off. Looking at the other consumer complaints, it looks like this has happened to other customers of theirs. 

Thank you for your help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent letter to both addresses listed on credit file and got a response that asked me to fill out FTC report. However, I did this already with FTC and it does n't apply to this company. The account was removed but the inquires are still listed on my report and it is hurting my credit. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX Name '' on XXXX via XXXX certified mail & again XXXX. The company refuses to honor my rights under the XXXX as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed
Consumer complaint received 02/15/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this Complaint against Equifax. Equifax is listing unverified information on my credit report. Equifax is also listing information on my credit reported that was deleted. Equifax has also ignored my requests and failed to provide me with the documents or copies of the documents that they used to verify the accounts I disputed. Equifax has committed multiple violations of the Fair Credit Reporting Act. It has gone past the 30 Day mark given, by the Fair Credit Reporting Act. These unverified accounts are supposed to automatically be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened a wells fargo cash rewards card off an add on XXXX 's website. the ad promised a {$200.00} cash back reward as soon as i charged {$1000.00}. which i did in XX/XX/2017. When i called them they routed my call to the wrong department then that lady ( XXXX  ) refused to give me any information on my account. and would not transfer me to anyone who could or would be able to help me. Wells Fargo engaged in false and or misleading statements to get me to open a credit card and is now refusing to provide the rewards for 4 or more months. what kind of crooks are they? I demand that they send me my {$200.00} cash reward immediately You should also note that wells fargo engages in so much fraud on has to wonder if they are paying the CFPB to remain open so they can continue to defraud Americans.

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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hard credit pulls done by several companies without my written authorization that are showing up as inquiries on my credit report and affecting my creditworthiness in a negative way. From TransUnion report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX Credit bureaus were notified but refused to remove these hard inquiries on my report claiming there is no need for verbal or written consent for companies to perform a hard credit pull, while being crafty with their responses.

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 03/20/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: This is regarding the business Greentree Servicing. I have been trying to make my mortgage payment for the past two-three weeks. No one at the company is answering the phone/my calls and the company 's website wont take my payment online. I originally made a payment on XXXX XXXX and was told on XXXX XXXX that it did not go through. I called on XXXX and everyday since then to try making the payment again and have yet to reach someone with the company. The only contact number I can find in relation to payments is ( XXXX ) XXXX, and no one is answering. I do not know what else to do and its getting close to the end of the month. I do not want this to be reported on my credit when I actually do have the money to make the payment. Anything that you can do to help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX combined unpaid medical bills of my spouse ( separated, but not legally ), with my information, changed attorneys without proper notification, the new attorney received a judgement against me, garnished my check, and placed it on my credit report. Initially we countersued based on misinformation however we did not hear anything until the attorney change in which swift action and judgement had already occured. When we submitted a motion to the judge it was denied even though the information was not correct. Now I have a judgement and have paid the debt for bills that were not mine.

Company public response: Company 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. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX continued to charge me after I moved from their property in which they filed an eviction on me for late rent. Rather than have an eviction on my record, I decided to move out and found another place to move in on XX/XX/2015. XXXX continued to charge me through the month of XX/XX/XXXX even though I no longer resided at the property. When I received documentation from them on the balance due, I immediately inquired about it to the property and they claimed that 'because I did n't turn in the keys ' that they were still charging me. I provided them with a copy of my new lease and the property manager advised that the only way for them to stop billing me was to return the keys and sign a form even though THEY were the ones who initiated the eviction process. After looking through the running charges, I noticed that they not only charged me for rent and utilities after I moved out, they also charged me to replace the carpet although we never did a move-out inspection nor did they ever provide any information on anything in the apartment being damaged enough to replace and subsequently charge me for. Based on the statement, XXXX illegally charged me for the apartment for anything after XX/XX/2015. They unlawfully swindled me into believing that the charges were valid and that the only way to close out my lease was to return the keys when in fact they replace all locks after a tenant moves out. They also had replaced someone into my apartment at the same time they were charging me resulting in double revenue illegally. I have requested this be investigated further as they are reporting that I owe {$7000.00} in unpaid charges for the apartment, however, {$6000.00} of that amount is due to overcharging and supposed utility bills that the property never provided bills for.

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 05/16/2016 about Consumer Loan (Vehicle loan) with Pinnacle Financial Group Inc (NC).
Issue: Managing the loan or lease

Complaint: Well Hello, My daughter and I purchased a car in XX/XX/XXXX and it 's was financed through Pinnacle Financial Group where my Mother cosigned for me the car. So her and I were both on the car contract and it was not reported on my credit report as stated and promised. We have called Pinnacle Financial Group forever on many, many occasions and gotten the run around and also we call XXXX on several occasions and did a dispute and they stated they would investigate. To no evail. I have contacted Pinnacle and XXXX today XX/XX/XXXX again ... No Results

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX RAN MY CREDIT TWICE WAS SUPPOSED TO SOLF XXXX AND EXPERIAN ERRORS.

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 04/13/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: i had trouble with nation star mortgage for over a whole year to resolve a simple issue to remove a litigation code from a file in their dept that was removed already and verified by another supervisor. they would n't give me any info on the file even though i did n't have any council assigned. now after a year i got to talk with them after the code was removed i saw that NATION STAR MORTGAGE filed a satisfaction of mortgage with niece. this doc was available in across. I downloaded the doc and sent it to them for verification, they 're still showing that i have a mortgage with them. it 's over 2 weeks now since i sent them the document and been calling them almost every day with no response as to why they have n't verified their own document. They sent it to a research team that ca n't be reached but only internally. I ca n't get no phone number or email for this research team. so I 'm just stuck with a satisfaction of mortgage saying the mortgage has been discharged, but nation star still has a mortgage with my name on it. I verified my credit reports and the mortgage has been removed. I need help, i ca n't wait for a year for them to verify in their dept a document their company filed

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: FYI - THIS COMPLAINT IS SEPARATE & DIFFERENT FROM THE PREVIOUS COMPLAINT TODAY.., SO THERE IS NO EXTENSION OF TIME TO INVESTIGATE. THE CLAIM OF SUCH WILL PROVE TO BE A BLATANT VIOLATION OF FRCA RULES ... 

Equifax RE : # XXXX, states a fraud alert was added to my file that I NEVER requested. This violates the FCRA and my rights ...

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/XXXX I received a call from Quicken loans ( XXXX ) stating that they could help me look for the right mortgage. The rep asked for my social security number in order to confirm my identity, so I gave it to him. I asked if he planned to run my credit and he said 'yes ', I immediately told him that I did not consent or give him permission to do so. He then said that it was too late. According to him and his supervisor he said he would fix the inquiry, but they never did as it shows up in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit card () with AMERICAN EXPRESS COMPANY (DC).
Issue: Other fee

Complaint: American Express failed to return its {$190.00} annual fee for my credit card, citing a 30-day policy. On XXXX, American Express stated it did not expect for me to receive my card until XXXX. On XXXX, American Express charged the {$190.00} to the account, despite my not having received the card and not having activated the account. On XXXX, American Express sent me another request to update my address and was still unsuccessful in delivering my card, so I still had not received my card or activated the account. On XXXX, I received the card, activated the account, and used the card. I was dissatisfied with the card and how few merchants accepted it. I also saw that while the American Express site kept my payment information, through some glitch it did not process the auto-payment set-up. On XXXX/XXXX/17, I called American Express to cancel the card. I paid my balance in full, and I requested the {$190.00} annual fee refunded. I was told this should be no problem considering the circumstances, and I was put through from the Credit Department ( to pay my balance ) to the Customer Service Department ( to pay my balance and explain my charges, waive the erroneous late fee and interest, and to process my request to cancel the card ) to the Membership Consultant Services ( to submit my request to Customer Service for the {$190.00} annual fee to be refunded, Report No. XXXX ). Having heard nothing, I called American Express to follow through on the {$190.00} fee refund on XXXX/XXXX/2017. I was repeatedly told by the first line of customer service agent, the next level supervisor, the higher up supervisor, and the next level up supervisor that the 30 days had lapsed from their charge date of XXXX to my call date of XXXX, even though they recognized I had not received the card or activated the account yet on XXXX. They said they could not refund the {$190.00}. I would like the {$190.00} refunded because I did not even receive the card for which I was charged this service fee until days later, due to American Express error.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Mortgage (Other type of mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: This complaint is being submitted on behalf of the homeowner by her advocate. The homeowner is a low income  XXXX   year old wi dow. Her back door neighbor passed away over a year and a half ago. It is her understanding that the surviving family members of the deceased borrower hold no interest in the property because the property is underwater. The property is not being maintained by anyone. The despair is affecting the homeowners shared fence and backyard.   XXXX  The homeowner reached out Ditech to discuss the nuisance the property was causing. Ditech representatives referred her to their property preservation department, who never answers or returns her calls. It appears that Ditech is using tactics to not be held responsible, because theyre aware of the property being vacant and causing a nuisance, yet no notices or actions to remedy the problem have occurred. The homeowner is left to maintain the falling fence and potential blight out of her own pocket, which is causing her an economic hardship.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: On XXXX XXXX, XXXX I was served with papers by Portfolio Recovery Associates PRA for an alleged debt from XXXX. I responded to the court order and served upon PRA a request for the following information as allowed by the FDCPA.
1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
PRA failed and refused to provide me with this information after my request and I have now learned that PRA did not have all of this information required of them prior to filing the lawsuit as required by ; UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU ADMINISTRATIVE PROCEEDING File No. 201s-CFPB-0023

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On  XXXX     2017, I p aid  XXXX  card a settlement. I have a confirmation letter confirming receipt of the settlement dated   XXXX   XXXX  2017   . As of   XXXX   XXXX  2017    the account continues to show unpaid/collections on my Transunion credit report. When I contact  XXXX  card they said there was nothing they can do about it.     I was advised by my attorney that they are required to update every 45 days, and I am being denied credit due to this account appearing as collections, despite  XXXX  card acknowledging by phone on   XXXX   XXXX  2017,  that the account is paid and when I asked them to update the credit bureau they said " There is nothing we can do about it ''.

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 03/26/2017 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (TN).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/XXXX, my wife and were shopping at XXXX in XXXX, MS ( store XXXX ) and went to pay with our recently established construction checking account with XXXX County XXXX. The check was for {$160.00}. The check was denied and we were shocked. We immediately called our bank and told there was plenty of money in the checking account. We then called Certegy, but were told that they could do nothing. We then wrote to Certegy Check Services and they replied with a 6 page document which did not give the reason for this denial. On XX/XX/XXXX, we had cashed a check for XXXX at the same store, same checking account. The only thing the 6 page letter told us was that our transaction fell outside of the guidelines Certegy has established for authorization. This is an inadequate response. We want to know specifically why they denied this transaction.

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 10/27/2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I submitted a dispute to XXXX about the creditor, the credit was dismissed by the original creditor as not being mine.

Company response to consumer: Closed with explanation