milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2017 about Mortgage (Conventional home mortgage) with CMG MORTGAGE, INC. (CO).
Issue: Trouble during payment process

Complaint: The servicer for my mortgage is engaging in a systemic pattern of delays in responding, XXXX logins and updates requiring new registration increase the likelihood of late payments. 

Facts : * My home loan is with XXXX XXXX.They utilize XXXX XXXX XXXX XXXX XXXX ( XXXX ) as their servicing firm. The website for payments is XXXX XXXX XXXX * Every month, I enter the same UserID and Password I used the prior month. Every month, it does n't work. Every month, the website flashes a message stating " Please contact us via email so that a Customer Service Representative may help you access your account. '' Every month, they wait 5 to 7 days to reply. 

My payments are due on the 1st : * XX/XX/XXXX : I needed to make my first payment. I contacted XXXX  because the servicing site would not allow me to register my account * XX/XX/XXXX : I was finally able to log on to servicing site, and submit my payment. 
* XX/XX/XXXX : Only time in the short servicing period was I able to log on without assistance. But, it proves I did know my User ID and password. 
* XX/XX/XXXX : Account locked out. Per website instructions, I emailed customer service ( for loan servicing : XXXX ). 
* XX/XX/XXXX : Email advising account was now unlocked, and that I should use the " Forgot User ID '' or " Forgot Password '' options in the future. Only problem is, I had n't forgotten either. They just simply no longer worked. 
* XX/XX/XXXX : Account locked out. 
* XX/XX/XXXX : Email advising account was now unlocked, and that I should use the " Forgot User ID '' or " Forgot Password '' options in the future. Only problem is, I had n't forgotten either. They just simply no longer worked. 
* XX/XX/XXXX : Emailed Mortgage holder 's help address ( XXXX ) regarding the horrible experience I was having with loan servicing. They apologized, and gave me a special number to call. XXXX said my account had an old loan on it, and she deleted it. 
* XX/XX/XXXX : Account locked out. Emailed both loan servicer and mortgage holder about persistent login issues. 
* XX/XX/XXXX : Received notice from loan servicer that I would need to re-register my account because they had upgraded their website. Their message told me the loan number to use for future questions. 
* XX/XX/XXXX : I need two previous statements, so I tried to log in with my newly re-registered UserID and password. They do n't work. Website looks different, so when it suggested I re-register, I presumed it was a new website from their development efforts. I entered my loan number ( same one as received in the XX/XX/XXXX message above ), but system says I do not exist. No one to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There is an unknown social security in my file and a lot of credit inquires for a car loan using this SS # and some of my information. It looks like a Dealer mixed up information and somehow tagged my account with this social security of another person- fraud? 
I have tried repeatedly to correct this and everyone says they can do nothing about it? 
the last XXXX digits are XXXX and who is this?

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Student loan (Federal student loan servicing) with ACCESS GROUP INC. (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: So I disputed an account on my credit report and it was returned as the address not being good. I sent it to the address on my credit report and it was returned to sender. This means the account is not verifiable and a violation of 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 explanation
Consumer complaint received 02-03-2018 about Debt collection (Other debt) with Focus Holding Company (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have an XXXX XXXX Score acount and any type of chages to my credit or score XXXX  notifies me through email and text. On XX/XX/XXXX XXXX   flagged my account as collections by an agency name XXXX XXXX XXXX. They reported that I owed a balance of {$800.00}. I never received any letter, phone call from this agency about this debt verifying that this account actually belongs me. On my my credit report from XXXX it says this acoount was opened on XX/XX/XXXX and on my XXXX report it says this account was opened on XX/XX/XXXX, two different opened dates which is odd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Other

Complaint: In XXXX 2016, I opened a checking account with Fifth Third bank. Once the account was setup, I used the mobile deposit app on my smartphone to deposit XXXX money orders. A few days later, I lost online access and I received a letter in the mail stating that the Money Orders were fraudulent. 

I was able to deposit the same money orders with XXXX XXXX XXXX. 

Earlier this month, I applied for a Fifth Third Credit card and was approved. I wanted to have online access to the account so I can manage the account and pay online. Security & Fraud department of Fifth Third Bank would not allow me to have access online because my account is locked because of the issue above with the Money Orders. 

I was told to contact my local branch and they might be able to request an over ride with the Fraud Department. Local bank requested they need to contact XXXX XXXX to verify the Money Orders are valid. XXXX XXXX said Fifth Third Bank needs to make a conference call with me on the line. 

I have not heard from Fifth Third Bank regarding the conference call with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Credit card debt) with GC Services Limited Partnership (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The CFPB website does not have a proper category for this ... ... 

On XX/XX/2018 I received a letter from XXXX XXXX, GC Services Limited Partnership, XXXX XXXX XXXX, XXXX PA XXXX, falsely claiming that we had agreed to a payment arrangement of {$200.00} per month. They also appear to use the address XXXX XXXX, XXXX, TX XXXX. 

I DID NOT. Any statement by any party to the contrary, verbally or in writting is a LIE. 

In fact, this was the first communication by this company. 

On this date, I am sending written demand that they never contact me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation names wrong inaccurate information on reports sent the po report and id theft gov information no knowledge of accounts XXXX  breach has cost me tons of money taking more than 30 days violation of my rights

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 10/18/2017 about Debt collection (I do not know) with Financial Credit Network Inc (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Last Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1800.00} High Balance {$1800.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) 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 07/14/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: We closed a refinance on a commercial property XXXX 2015. In XXXX, we paid the first monthly payment to XXXX XXXX, as instructed on closing documents and the mortgage statement we subsequently received in the mail. The check cleared our bank account on XXXX XXXX, 2015, which is when the payment was due. XXXX XXXX sold the loan to Midland Loan Services on or about XXXX XXXX. As of today, XXXX XXXX, 2015, XXXX XXXX has not notified Midland that this payment was received, and Midland wants to charge fraudulent late fees in the amount of {$3000.00} for a payment that was made on time.

Company response to consumer: Closed
Consumer complaint received 05-12-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. I have submitted to the credit bureaus and the loan companies alike that my identity has been stolen and used to take out fraudulent loans. I have been successful in removing XXXX of those loans from my credit report ( prosper ). The lending club continue to insist the loan belongs to be despite me sending information to the company and the credit bureaus my victim report, identity theft affidavit, proof of identity and even documentation from the bank proving that the monies went to a fraudulent account. Despite all this, Equifax is the only credit bureau who continue to report this on my credit report. This company has not protected me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I asked for a loan assumption since my husband died XX/XX/2011 and the mortgage was in his name only and I wanted to start a loan modification process. 
I was denied as a widow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Debt collection (Other debt) with International Computer Systems, Inc. (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I sold my house in XXXX XXXX, and paid all the utilities in full. That was almost 2 1/2 years ago. On XXXX XXXX XXXX I was forwarded a collection letter asking for an additional {$180.00}, for which I had no clue who the creditor was or why. The collection letter was dated XXXX XXXX, XXXX, but sent to a very old address, and somehow, almost 3 weeks later, I received the collection letter. I asked the collection co to the details of the bill ( aka validation of the debt ), and gave them my correct address. On or about XXXX XXXX XXXX, I received a statement, and although I did n't believe the debt was owed, I agreed to pay it, providing that no adverse reporting to the credit bureaus were made. The rep assured me that it had n't, and that they do not report. I asked if I can call back after I verify my reports. I did verify my report a couple of days later, there was no adverse reporting, so I called the collection company to pay the ( disputed ) debt. I was then told that the day after I called to inquire about the debt, which was within a few days of reviewing the validated ( yet disputed ) debt, that they inadvertently reported negative info to the reporting agencies. I asked to be transferred to a supervisor. Her name is XXXX. She refused to acknowledge the FCRA, which provides me time to request and review an unknown debt. She insisted on NOT removing the adverse and premature reporting, stating that she is going by the date of collection letter which was XXXX XXXX, which I received XXXX XXXX, and the validation was received XXXX XXXX. She is wrong and violated my rights, and the law. I have since paid the bill, in full, and wrote letters to the credit reporting agencies with copies of the dated letters. 
The collection company is FIRST COLLECTION SERVICES in Arkansas.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient was supposed to simplify my XXXX loans. They did not. They made them worse. Lied about payment options, lied about time to pay off and interest rates. XX/XX/XXXX and XX/XX/XXXX I took out loans for a for profit school, which turns out gave me a degree that is n't even acredited when they said it was. They promised job placement and got none. Told loans totaling {$22000.00} would be paid off in 10 years ... I have never missed a payment. 8 years later I still owe {$19000.00}!?!? Something is fishy here ... I have XXXX private loans too. One account number for all XXXX, but checks have to be sent to 3 separate addresses. Which they do n't tell you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (Medical debt) with Professional Adjustment Corp. of S.W. FL., Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted and mailed letter with no results. I asked for proof of bill being mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I received a letter from Midland Credit Management , Inc . Requesting payment on a balanced I settled back with the attorney office XXXX, XXXX, XXXX XXXX XXXX. XXXX representing the original debt owed for a XXXX XXXX credit card in which Midland Funding LLC was the acting debt collection agency. 

On XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX agreed to settle the {$910.00} debt for {$530.00}. I sent the attorney office the requested {$530.00} payment certified with a XXXX postal office money order. The payment was received on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX, XXXX, XXXX XXXX XXXX XXXX stating " as the attorney for the creditor on the above account, I certify that the above account has been settled signed by attorney XXXX XXXX XXXX. My credit report was only updated to show I no longer owe {$910.00} but now owe {$370.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Comenity Capital Bank have continued to call me blocking their number and I have continuously asked them to stop calling and they will call and the calls are a few minutes apart every hour. The last time I answered the call the person did not verify who he was speaking with and then proceeded to ask if I had an attorney in regards to my bills for the cards I have with them. The calls have been everyday. Each card is for a different amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (RI).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of XXXX I was unable to pay my morgage due to an injury. I was in contact with the morgage company and they were aware of the situation. Imailed a payment to them XXXX/XXXX/XXXX for {$4500.00} which caught my morgage up to date. The check was cashed on XXXX/XXXX/XXXX. At the end of XXXX I received a letter from XXXX XXXX stating that PNC was forclosing on my house. I tried to contact them to report that my morgage was caught up but they would only send me the payment to remove my house from forclosure. The first week of XXXX I received a check from PNC bank for the {$4500.00} I sent them in XXXX and they also returned my check for XXXX 's morgage payment. I called the law firm and reported that I had all of the money except the {$3900.00} for future payment and asked what that was. They only replyed that I had to have this amount in full by XXXX XXXX, XXXX. There was an auction scheduled for my house for XXXX XXXX, XXXX. I hired XXXX XXXX to represent me a week before the auction was scheduled. We have been in litigation for 3 years. We were in mediation but the lawyer from PNC reported to the mediator that they never cashed my check and issued me a refund with their own check. They astated that they only returned my check to me. I had to go to my bank and pay for them to researce and find the check that was deposited. Due to all cases being dismissed I am currently receiving eviction notices and an '' investigator " is coming to my house harassing my children. I have a son who is a XXXX and have spent thousands of dollars renovating this house to be XXXX. They filed paperwork in XXXX of XXXX reporting that they foreclosed in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Debt collection (I do not know) with Data-Central, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: checking account card was stolen. I issued to close account shortly after unauthorized activity on account. Company was sold to new party .... years later I have an unpaid balance Iam unfamiliar with, that 's now in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XX/XX/XXXX the banking account took banking fee amount of the acct of $ XXXX ( bank services fee )  then charged over draft fee of {$34.00}. I noticed as well that some days take $ XXXX on XXXX then XXXX of each month when its convenient for Citi Bank to profit of the fees. They charged 3times th amount of $ XXXX fee on XX/XX/XXXX - of {$34.00} - I have been with Citibank for 7years. I have noticed the accounts recently in XX/XX/XXXXstarted having problems occurring with services -- -- I not the only individual who seem to not understand why so many stipulation on such accounts. I have 2 checking accounts and savings just recently reduced package to different package to save monies of the banking fees that did not work either -- - I have been with Citi bank for 7 years never had a over draft -- -- spoke with representative XX/XX/XXXX at XXXX ( ID # ) XXXX he did not resolve anything -- - or offer a waiver -- -- the question of these proceedings of bank fees causing a overdraft of 3times the amount does not seem reasonable and as a customer for 7 years is absolutely ridiculous -- there needs to be an investigation in their practices of accounts -- -- - and those stipulation in which Citi Bank is altering their own policies. This not the first time of misleading information -- -- or miscalculated incidences regarding fees -- -- - the policies does not add up -- --

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 04/24/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (WI).
Issue: Application, originator, mortgage broker

Complaint: We met with a mortgage lender to find out how much it would cost to close on a new home. We were told that the normal closing costs were {$1300.00}, but because we were premier clients, it would only be about {$600.00}. To start the application, the banker withdrew {$480.00} from my checking account but told me it would be part of the closing costs. On Friday afternoon, XXXX XXXX, 2015, I contacted the lender to see if he had a closing statement ready for our XXXX XXXX, 2015 closing. It was at that time I found that the bank was charging me an additional {$630.00}. I immediately began making telephone calls, but no one was available to help me. At the closing on XXXX XXXX, 2015, the title company showed me a good faith estimate explaining the closing costs. This is the XXXX time I saw the document. I asked the title company to sign, date and give me a copy of the GFE. 
The lender insists that my closing costs were only {$630.00}, but disregards my downpayment of {$480.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2015 about Bank account or service (Other bank product/service) with POPULAR BANK (TX).
Issue: Account opening, closing, or management

Complaint: I am trying to find out what became of a bank account my brother had left for me upon the time of his death.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from Credit Protection Association in XXXX regarding a debt that they claimed that I owed in New York on a debt that I am not familiar with. I responded to their letter within the 30 day period asking them to verify the validity of the debt. I did not hear anything from Credit Protection Agency until I noticed that my credit report showed a collection in the amount of {$10000.00} stating that I owe this debt. I have not received any documents to this date that this debt is mine and I do n't think they have the right to place it on my report, reporting a current opening date of XXXX 2015. Even the opening date on the credit report was placed on my report before I received the letter in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2017 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: Information belongs to someone else

Complaint: When checking on my credit I noticed a hard inquiry. I called the company this was from and they stated that the people who applied credit on that day had different dates of birth and social security numbers. 

They told me I had to take care of 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