milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage has been transferred several times over the course of XXXX yrs. It is now with Quicken Loans. I have received XXXX statements regarding my escrow account dated XXXX/XXXX/15, XXXX/XXXX/15 ,XX/XX/XXXX15. The first statement included a check for {$610.00} and stated my XXXX XXXX 2015 new payment would be {$1400.00} XXXX from {$1600.00} XXXX. The XXXX statement XXXX/XXXX/15 stated the same changed monthly payment and also stated a home insurance pmt of {$640.00}. The home insurance bill is actually {$570.00} and I called to advise this, they told me to call the insurance company. Later they left me a message saying they called the insurance company. I have still have not rec 'd the difference in any form of credit or refund. 
The XXXX/XXXX/15 escrow statement states I now ( after they just sent a check for {$610.00} on XXXX ) have a shortage of {$620.00} and my monthly pmt will be {$1600.00} if I send a check for {$620.00} or {$1600.00} if I choose not to pay the {$620.00}. I have checked my escrow balance through my online acct access this date and the escrow balance is {$1800.00}. This is enough to cover the next quarterly tax pmt of {$1700.00}. The homeowners ins is paid for the year. With the current escrow pmt of {$630.00} there then would be enough in escrow to pay the following quarter taxes. ( also I appealed my taxes this year and the result was my assessment has been lowered, but the final quarterly tax adjustment is not available at this time, I m told in XXXX weeks, but the tax will be slightly lower ) I have called Quicken Loans to resolve this but when I call I have not been able to speak to someone to resolve this and they do n't return calls as they say they will. Bottom line they have no Customer Relations at the number they give to call. 
How do I resolve this to keep my mortgage pmt at the correct amount, and why would a company pay out {$600.00} XXXX month and the next month send statement asking for $ XXXX payment. ( and when their online statement shows escrow has enough funds to cover next tax pmt )

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX inquiries were made to my Transunion credit report on XX/XX/XXXX that I did not authorize. They were all made on the same date and were initiated by a local auto dealership, XXXX. 

After a long dispute, XXXX confirmed that they were made erroneously and sent Transunion a letter confirming that they were made in error. This was over a month ago. 

To this date, Transunion has not removed the unauthorized inquiries from my credit and my score is being affected because of it. 

The first inquiry is under the name " XXXX '' on XX/XX/2016. 

The second inquiry is also under the name " XXXX '' on XX/XX/2016. 

These need to be removed from my report as soon as possible. 

I am attaching a copy of the letter that the creditor sent to Transunion so they can review it once more. I do not understand why it has taken so long to remove these unauthorized inquiries.

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 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Good morning guys, I am XXXX XXXX XXXX XXXX, I noted that my credit report through XXXX XXXX has an incorrect information. 
My mortgage account with Banco Popular of Puerto Rico still open and in good or excellent status. 
The only things is that the names in that account was changed from my Mother ( XXXX  ) and me to my only name because of donation of my sister participation. 
The account never has being closed. 
So please correct this information that affect my credit score, with Banco Popular of Puerto Rico.. 

Sincerely, XXXX XXXX XXXX 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 04/17/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been spending years trying to clear up identity theft and experian will not send proof nor the collection company of a judgment I am unaware of and XXXX collection accounts they simply say " account meets federal guidelines '' Experian is violating the FCRA for not disclosing reasons why they will not remove. Accounts that have been paid by the state throught the Victums fund for example.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX XX/XX/XXXX after several months of paperwork we closed on our home with XXXX WHOLESALE CORPORATION. I was asked to sign hundreds of papers with little or no time to review any of them. At that moment I was pressured to get the closing done. We provided 10 % of the value of our home and our mortgage was {$1400.00} plus a MIP of {$390.00} or {$1800.00} per month with an interest rate of 2.5 %. By the end of the fifth year payments blew up to {$2800.00} plus {$390.00} of MIP to {$3200.00} per month. Just the mortgage grew 127.20 %. 
During that process XXXX sold our mortgage to several other banks including CountryWide Home Loans and Bank of America. 
Before the 127.20 % increase in our mortgage payment came through we requested Bank of America to refinance and their response every time was " you are paying on time we ca n't help you ''. We kept on calling until XXXX Bank of America representative stated that the reason they were unable to help us was because we were current with our payments and we needed to be in default for them to be able to help ''. 
Based on those instructions we defaulted and 60 days later re-applied through the Home Affordable Refinance Act XXXX times. Even thou we fulfilled 100 % of the criteria BOA refused to refinance and proceeded with a foreclosure. 
Since we found the whole situation building up against us we hired an attorney and we did a compliance stress test of our mortgage with a certified reputable Loan Analyst for the RESPA and TILA and the result stated that the mortgage generator and its successors violated many RESPA and TILA federal and state statutes. 
We filed a counter claim at the court stating that not only the mortgage note are unforceable due to direct violations of TILA but also of the HOEPA and failed to deliver a notice of acceleration to us the homeowners violating the Federal Debt Collection Practices Act and also Bank of America breached the mortgage agreement by force placed insurance in an amount in excess of that required under the mortgage. The mortgage also understated the finance charges and annual percentage rate violating the Truth in Lending Disclosure Statement at the time of closing. 
To top all that we requested a Home Equity Line of Credit for {$100000.00} which Bank of America provided even though our home did n't have enough equity. Throwout the life of the HELOC we paid it in full several times and Bank of America kept on lending us money even there was not equity to support that loan also known as predatory lending practices. 
Even after Bank of America tries to foreclose in our primary residency and put our family on the street, we made and arrangement to pay the {$110000.00} HELOC and we satisfied that mortgage on XXXX XXXX XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed this account with 3 credit bureaus and the information is not correct. I asked them to remove this account due to no debt validation and it has not happened. It comes back as verifired when it really according to law was not. According to 2 credit bureaus it is showing as a closed date of XX/XX/XXXX but opened XX/XX/XXXX. How is it possible to be opened in year and closed 2 years in the past. Information is not correct and it was removed from one report and added back without letting me know that it would be. Why would a company state the information is correct if the close date is XX/XX/XXXX but it was opened in the future? that makes no sense. This company has yet to send me ANY type of validation to me at all. I want that postage and date it was sent to my home of when they sent it. I have yet to get anything at all. How can you as a consumer bureau acknowledge the fact that on my report my actual credit report it states the reported CLOSE date was 2 years BEFORE IT WAS OPENED. IF I AS A CONSUMER ASK FOR THIS TO BE INVESTIGATED AND BECUASE IT IS CLEARLY WRONG INFORMATION ON BOTH REPORTS IT IS REPORTED TOO IT SHOULD BE REMOVED. PER LAW I AM GRANTED THAT BUT TO SAY IT IS CORRECT IS WRONG. THERE IS NO WAY THAT AN ITEM ON MY REPORT SHOULD BE CLOSED 2 YEARS BEFORE IT WAS OPENED. IT MAKES NO SENSE AT ALL

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 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Payment was made to XXXX XXXX XXXX XXXX have receipt dated XXXX XXXX, 2015 ). 
As I paid in full, at one time, XXXX gave me a credit of 5 % on the total bill. XXXX from XXXX to XXXX XXXX Received notice from collection services XXXX weeks later asking for payment of the full amount. 
I contacted collection agency with copies of receipt, and they sent me another collection notice a month later, when I again sent them a copy of my paid in full receipt. 
I now have a major black mark on my credit report. I have attached my billing summary XXXX no balance due ) from XXXX, and have also included my receipt from the initial payment on XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX case numberXXXX XXXX-was paid in full in the amount of {$3700.00} on XXXX XXXX, 2017. I received a letter dated XXXX XXXX, 2017 from IQ Data International Inc. Account # XXXX-Account XXXX Account representative XXXX XXXX stating that I owe XXXX XXXX XXXX {$3000.00} even though the balance of {$3700.00} is paid in full on XXXX XXXX, 2017. On XXXX XXXX, 2017 the Superior court of XXXX XXXX Acknowledgement Satisfaction of Judgement that the balance to XXXX is paid in full. Therefore, this debt should be removed from all Credit Bureaus XXXX, XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent a letter informing Equifax that I did not dispute their investigation in late XXXX. They never changed anything I asked. I was turned down for a mortgage because of this. I am attaching the original letter and XXXX I wrote today showing what I need done so my report is accurate. Please help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2017 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX, CA XXXX XXXX XX/XX/2017 XXXX, Oh XXXX XX/XX/2017 I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing my information that i did n't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Enhanced Recovery Corporation has filed information on my credit report for a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Go Capital Holdings, LLC (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.

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 01/26/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Billing disputes

Complaint: I have XXXX credit card accounts with Capitalone, accounts ending in XXXX and XXXX, XXXX shows as restricted, not sure if closed or not. Please note, I believe this is a deposit account and need security deposit refunded if so account is in fact closed. The credit line is XXXX and I believe this is the amount of deposit left. Account ending in XXXX is past due and payment is scheduled in the amount of XXXX on XX/XX/XXXX, not sure if this account is also closed or not. If it is open, I will need a new card sent.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Medical debt) with JP RECOVERY SERVICES, INC. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recently received a collection notice fro m JP Recovery Services f or  XXXX  and I had never received a bill from the company in which this entity is claiming to be collecting for.  <P/> This is a medical claim and I also feel that my HIPPA rights have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Taking out the loan or lease

Complaint: I was scrutinized and asked for very personal information for a loan for {$6000.00}. I was also treated with disrespect. I was approved at first but when I went in the office to close on the loan I was asked for more personal forms of information that I thought was unorthodox for a small loan when I had already been approved. I never even received confirmation that my documents were disposed of after I was denied the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: It still showing open and it supposed to be closed /showing in collection./ Ally financial, the vehicle was burned up, my ex wife had it done XXXX..so she is liable for this

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 05/31/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have called and spoke with their representatives over the phone countless times. All of the contact and personal information they have on file for me is inaccurate. I sent a letter on XX/XX/XXXX and XX/XX/XXXX  to all three credit bureaus requesting they ask for documentation to confirm the validity of the debt. As a response to all of my disputes I have not received any proof of ownership. The company is claiming I defaulted on a lease from XX/XX/XXXX. However, at that time I was a college freshman living in an on-campus dorm at XXXX XXXX University. There is no way I would have been able to be financially responsible for an apartment or even provide proof of income because I was a full-time student. This company has damaged my credit for years without my knowledge. I have only recently become aware of this issue because I am currently attempting to get my first place and checked my credit.

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 11-07-2016 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello, I am an XXXX female XXXX Veteran. 
Upon my graduation in 2007, I was contacted by XXXX XXXX to start paying off my student loans unknowingly signing up to consolidate my loans right out of school. I have been struggling with finding stable employment to make the payments towards paying back my loan. 

My loan has reached default status, and was passed to XXXX. They 've recently passed my account to Transworld Systems who now manages my account. 

Transworld wants me to agree that I owe {$30000.00} when my understanding is that I owe {$24000.00} on my principal and I 've accrued {$3900.00} in interest. This total does not add up to {$30000.00}. I sent a dispute letter to Transworld Systems asking them to verify the amount. And, I wanted to report this situation as well. 

Although I want my loan out of default by participating in their loan rehabilitation program, I do not want to verbally agree to owing this much if it is n't my true balance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with ASSOCIATED BANK, NATIONAL ASSOCIATION (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I make my monthly payment online to my mortgage company ( Associated Bank ), as encouraged by my lender. My payment amount is about {$680.00}. and I generally pay more. Associated Bank 's online payment program allows customers to select from the following XXXX options ; ( 1 ) Payment ( 2 ) Principal Only ( 3 ) Escrow Only. For my XX/XX/XXXX and XX/XX/XXXX payments I selected ( XXXX ) Payment - with the expectation that the payment would be applied to Principal and Interest. After making my XX/XX/XXXX payment, I noticed that both, my XX/XX/XXXX and XX/XX/XXXX payments were applied XXXX % to Principal. 
I called Associated Bank and advised this was not as intended and I needed the payments to be applied to Principal and interest otherwise, I was being harmed as a customer and would need to pay more. 
They said they would look into it and get back to me. They have since said they can not reapply my payments and that I have not been harmed. But here are the facts. 
3 payments of {$680.00} is {$2000.00}. 
I paid {$720.00} in XX/XX/XXXX, {$750.00} in XX/XX/XXXX for a total of {$1400.00}. 
I was informed that since my last two payments were applied only to Principal that my accrued interests balance is more than {$1400.00} ( which I would need to get to XXXX for future payments to be applied to principal ). So if I add what I 've paid for XX/XX/XXXX and XX/XX/XXXX {$1400.00} and {$1400.00} ( accrued interest ) that totals {$2800.00}, which is more than {$800.00} more than I would be required to pay during the same 3 month period. 
Not only am I being forced to pay more over a three-month period. It appears there is a systemic problem with Associated Banks online payment process that applies payments in a manner that harms their customers. I never requested that my payments be applied only to principal and now they are telling me it will not cost me more ( not correct as noted above ) and that they can not fix it ( not true, I am sure they can re-apply payments whenever they want ). 
Again, all I ask is that my payments be applied as they were intended, which is to Principal and Interest and not in a manner that benefits Associated Bank, or harms me, which is what they are doing. 
Again, it seems to me there is clearly a systemic issue at Associated Bank that is benefiting them while harming their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was checking my credit report to make sure that another issue had been resolved and saw this debt had been put back on my report. I had this judgment resolved and then expunged from my record. I will attach a copy of the expungement record.

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 11-04-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XX/XX/XXXX I was notified by XXXX that someone was attempting to open a XXXX XXXX account and a XXXX account in my name. XXXX stopped it, but the criminal apparently opened a bank account in my name and has bounced checks in my name. The original credit grantor AND their collection agency have been provided proof of the identity theft. 

On XX/XX/XXXX, they BOTH, in writing, promised to remove this account from my name and credit report, yet I received a letter today ( XX/XX/XXXX ) that is dated XX/XX/XXXX, that boasts that they are still reporting this fraudulent account on my credit report. 

They have been provided proof, they accepted that proof, they promised to follow the FCA and remove the fraudulent information, and are now willfully breaking the laws that are in place to protect consumers by continuing to report what they know to be a fraudulent account on MY credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Medical) with Continental Credit Control (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Under lawyers Lein lawyer took case on contingency, I had My exam. After signing the retainer agreement the lawyer did not do due diligence and did not find out the person at faults insurance did n't cover my expenses.

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