milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a XXXX bill currently in dispute. I filed a complaint with the FCC over their fraudulent billing practices - they had me on a plan that was supposed to last a year, but they dropped me off the plan at 6 months, and then when I called to complain, they fixed the bill. But the next month they overcharged me. And I called to complain. So they fixed the bill. And then the next month they overcharged me again. So they fixed the bill, but I dropped the service. 

So I paid off the bill online - or so I thought. Because that last bill that they said they were going to fix - well, they did n't fix it. I dropped the service immediately after the said they were going to fix it, and instead of actually fixing it, they just left it at the wrong price. So I paid off the bill ( I do e-billing, so I never got a paper bill ) - but, oh, I paid too little. Because they did n't fix the amount like they were supposed to. 

Fast forward to today. 

ERC has never called me. They have never sent me a notice. They have repeatedly called my XXXXyear-old father and XXXX-year-old mother, who live two hours away and have never had anything to do with my account or with XXXX. My telephone number - which I have had since 2008 - was on file with XXXX, and I have never received a telephone call from ERC. NOT ONCE. 

I called ERC, and they told me that I owe XXXX {$44.00}. I had a discussion with them that the debt was submitted to them fraudulently, and they said they could send it into dispute. But I had already filed a complaint with the FCC over their billing. And it 's still " under investigation. '' Probably because XXXX 's poor customer service and billing procedures are so shoddy that it 's legendary. There 's probably a whole department at the FCC that JUST DEALS WITH XXXX COMPLAINTS. 

So, I talked about it with the rep some more. She explained the processes and essentially, if XXXX does n't remove the debt from their rolls, they 'll keep calling XXXX my parents, apparently, despite their number never having ever been on anything XXXX related, and despite the fact that I 've had this same cell phone number since 2008 ) and trying to collect the debt. 

So I said, " That 's just more trouble than it 's worth. I 'll just pay the amount. '' And she said, " Okay, there 'll be a {$15.00} convenience fee for paying your bill over the phone. " Very long story short, ERC has been:1. Harassing people who have NOTHING TO DO WITH THIS ACCOUNT2. Charging people an exorbitant fee to pay their bill. 

Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Equifax was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XX/XX/XXXX I applied for a XXXX XXXX account for a medical procedure, and was approved. On XX/XX/XXXX, I was completed the approval process for the procedure only to find out in the same day that my XXXX XXXX account was frozen pending a fraud investigation. I contacted the credit bureaus and was directed to XXXX as the agency originating the problems. On XX/XX/XXXX, I contacted XXXX, spoke with XXXX. She claimed that XXXX received a dispute via mail on XX/XX/XXXX and without contacting me or notifying me, reported the account as fraud on the same day, resulting in it being closed/frozen. XXXX refused to allow me to stay with a supervisor or details regarding the dispute, such as who filed it or what it included. 

The credit reporting agencies should be required to provide documentation of disputed accounts, including copies of the original dispute. Before a dispute is finalized, the consumer should also be notified. 

Even worse, the credit report and information was sent to Experian and sent back to the company ( aka XXXX XXXX ) started that it 's a " consumer dispute '' even though I never initiated the dispute. Experian did not contact me regarding the dispute either. This should be illegal, claiming I filled a dispute when I did not.

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 09/19/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been trying to get " Account in dispute '' removed from my credit report for almost a year with no results. I am not disputing any accounts that are being reported as an dispute and never have. After sending multiple letters, all XXXX credit reporting agencies have responded with adding an additional remark that I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Medical debt) with Creditor Advocates Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Creditor Advocates is located in XXXX, MN I am located in XXXX Texas, this company is not bonded in the state of Texas to be collecting debt. based on Sec. 392.101. of Texas Finance Code, and must immedialty cease and desist any efforts in this state to collect Choosing not to can result in a lawsuit, and fines from the state of Texas as well as me the consumer. 

I recieved a letter in the mail stating I owe a debt, i have been in Texas for over 4 years and never once have heard about this, I have used this facility however that was under a different account number and that was paid in full ... i am not sure where this new account came from since i have not lived north for over 4 years, however its likely false, and they should not be contacting me anyhow, based on there lack of bonding in the state

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my mortgage with a personal check to OCWEN on XXXX/XXXX/2016 for my mortgage. It took them 12 days to cash the check. The check was cashed on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they send me a statement stating that I am past due. I am not past due. I called them today XXXX/XXXX/2016 and spoke to XXXX, relationship manager, and she confirmed I am not past due and she has NO IDEA why they sent me this notice dated 5 days after my payment stating I am past due. I would like to have a corrected mortgage statement. Someone is making errors at the bank on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My XXXX home loan was just sold to SLS in XX/XX/2017 while in the process of trying to obtain a loan modification. SLS demand the same loan modification documentation again which have been provided on numerous occassions. Last week I received a threatening foreclosure notice from SLS while my loan modification review is still pending. SLS is not allowed under federal law to engage in dual tracking - which is beginning foreclosure proceedings while at the same time processing a loan modification request. I have called them to complain but received the run around. They have a horrible customer service. SLS has refused to abide by the CFPB 's new guidelines and failed to bring its system for processing loan modification applications into compliance.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted the credit bureaus on multiple days and advised them that I had inquiries on my credit report that I did not authorize. They told me that I would need to get ahold of the companies and dispute with them. I advised them that I have contacted the companies multiple times and they have no record. I have asked for validation of these inquiries and have not received a response. I want these inquiries off of my credit report NOW. This isnt fair to me because it may not be a big impact but there is an impact and its hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX I submitted an application for a mortgage with Bank of America. Their loan officer, XXXX XXXX XXXX XXXX, collected an application fee from me ( among other fees ) and assured me we could close in " 30 to 45 days ''. It has since been 95 days and BofA has still not come to a credit decision. XXXX XXXX has made assurances to me on countless occasions that a final credit decision is eminent, but each time the bank fails to follow through. He has stated repeatedly that the underwriter is " ready to give final approval '' and that my file " meets the guidelines '' for this loan product. 

Requests for paperwork have been few and far between, but in each case, I have responded in less than 24 hours. BofA simply refuses to come to a credit decision or provide any reasonable explanation for why they refuse to do so. Complaints to managers within XXXX 's office have simply yielded more false promises, " This week, '' " Next week. '' " By XXXX today, '' " By XXXX tomorrow ''. Each time, the new deadline comes and goes without any explanation. Now 95 days into this process, I have a growing concern that BofA simply does not with to honor the rate lock they offered me at the beginning of this process, which is now substantially under market. 

Thank you for any assistance you can provide on this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2016 about Mortgage (FHA mortgage) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Settlement process and costs

Complaint: I was due to close on a home loan today XXXX with Capital One XXXX XXXX. Which had been extended already a week due to the paperwork not being handled correctly. I had called everyday that week till today and was told everything is fine and just waiting on the under writing. Now come closing date I am denied and can no longer proceed. Six weeks of wasted time. I will lose the XXXX dollars of the earnest money. The XXXX $ on the inspection. I called the XXXX agents that were assigned to me all morning and no phone calls back for hours. None of them knew what was going on. Eventually called there managers and same answer. Waiting on the underwriters. Just unprofessional and unorganized.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: In XXXX XXXX I signed up with a credit monitoring system called XXXX XXXX XXXX. I was able to generate my credit score that month, but the following month XXXX my credit score said unavailable. My card was still being charged so I know it was n't anything on my end. I then called XXXX XXXX XXXX and voiced my concern about the matter. One representative was not sure why that was happening, so she put me on the line with someone higher in rank. That representative told me that my score was going to be back up XXXX XXXX. XXXX XXXX came and I still did not have a credit score. I then called the three Credit bureaus, TransUnion, XXXX, and XXXX to make them aware as well of the issue. They also could not give me a reason why my credit score was and is not available. It is now XXXX XXXX, XXXX, and I currently still do not have a credit score on the Credit Monitoring system, XXXX XXXX XXXX. XXXX XXXX XXXX, is certain that my score is not available because one the three credit monitoring systems are not generating a score for me. No one that I have spoken with, with either credit monitoring system have given me a reason why i am unable to see my score.

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 12/18/2015 about Debt collection (Payday loan) with BlueChip Financial (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted by XXXX XXXX, who identified himself as the Lead Investigator for XXXX XXXX XXXX on XXXX XXXX, 2015 at XXXX XXXX. In the voice mail that was left on my cell phone, this gentleman divulged private information, including my social security number and stated that a lawsuit had been filed. Minutes later, he called me at work and left a voicemail stating that I have 5 days to call him or that legal action would be taken. To date, I have not received anything in writing from this collection agency.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hi, On  XX/XX/XXXX , I submitted complaint  XXXX  against  XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX   ) in  regards to unauthorized credit card charges  XXXX  was attempting to collect.     Even though this dispute is ongoing and still under review by  XXXX   ( and now CFPB ),   XXXX  has continued to assign late charges to this account and notify each credit bureau that I am " delinquent '' in repaying.     On  XX/XX/XXXX , I sent letters to each credit bureau ( TransUnion,  XXXX  and   XXXX   ) with documentation of the dispute and status. As per the Terms and Conditions of  XXXX  's  Cardmember agreement-   XXXX  can not not notify any credit bureau that an account is " delinquent '' if those charges are being disputed.     I have received correspondence back from each credit bureau that they have requested additional information from  XXXX  and have placed " fraud alerts '' on my credit report- however,  XXXX  continues to report my account as delinquent and the credit bureaus have not removed this detail.     As of  XX/XX/XXXX , my credit reports reflect this disputed account as 60 days past due, and my credit score has been dramatically reduced. Also- I 'm not sure how my phone number was released or sold, but I 'm now receiving " credit help '' calls which I have to block.

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 09/20/2017 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a voicemail stating I needed to call back immediately. When I called back I spoke with a XXXX whom wanted all of my personal information before telling me what the call was in regards to. When I told him I did n't feel comfortable doing that, he became very hostile and disconnected the call. I called back and spoke with another representative, who was able to tell me they sent out information to a very old address but could n't tell me why they called because she did n't handle the file, XXXX did and so she transferred me back to him. XXXX then told me he was calling about a credit card I took out with HSBC back in XXXX which had a balance of {$4000.00}. I told him I never had a credit card from XXXX and he became hostile again. I told him I want something sent to me about this " debt '' so I can have an attorney look at it as it is n't mines. That made him even more upset and he proceeded to tell me they already sent me something in the mail. I told him the previous representative told me they sent something to an old address and he told him she was mistaken. I said it sounds like you do n't want to send proof of this debt and per FDCPA I am allowed to request proof of the debt. I told him the XXXX credit card I received was close to XXXX and he stated " well that 's not what your credit report says ''. He stated he was no longer going to argue with me and disconnected the call. I check my credit report very often and there 's nothing on my file in regards to what he 's claiming I owe. He was very hostile especially after I explained to him the laws I knew in regards to debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a XXXX for $ XXXX from my Mortgage lending company regarding a home owners insurance claim for year XXXX. XXXX is for non employee compensation - in this case, my insurance company sent funds to my escrow account ( due to home owners loss ), whom held my insurance money and disbursed to me as needed to repair my home. 

US Bank states it was reported correctly, but will not follow thru with their reasoning. I am looking to get this resolved but US Bank is unwilling to research further. 
My ex husband use to be on this loan whom claimed bankruptcy in XXXX. " I '' did not file and I have never missed a payment but US Bank claims they can not call, email me, etc. because of bankruptcy which was discharged in XXXX. " I '' have been advised by US Bank to request the Bankruptcy to be reaffirmed. I have repeatedly told them, " I '' can not reaffirm something '' I '' did not file. US Bank has treated me unfairly and rudely since the XX/XX/XXXX filing even though they have received every penny in which I owe them and on time. I feel US Bank will not look in to IRS question above simply because of this bankruptcy which has not affected US Bank in any way. 
I am looking for answers on the XXXX I received, as i believe it is in error.

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 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnoin has placed XXXX XXXX XXXX in XXXX GA on my credit report and I have never had a loan with theses people and I want it taken off my credit report soon as possible. XXXX XXXX XXXX phone number is XXXX. My name is XXXX XXXX the last SS # XXXX my cell number is XXXX if you have any questions for me concerning this matter. I have this removed. Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: I had XXXX different answers from two associates. I have XXXX response from XXXX XXXX ( file # XXXX ) and another response from XXXX XXXX ( complaint number XXXX ) they XXXX have a unanswered response response to my complaint and now I have attached 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 08/24/2016 about Payday loan () with CURO Intermediate Holdings (AZ).
Issue: Can't contact lender

Complaint: None of the above describe my issues However, on XXXX 2016, I call XXXX XXXX XXXX for Speedy Cash XXXX XXXX after viewing my XXXX credit report I came into an agreement with them to pay off the {$1400.00} in full that day and they promise to delete the collection file from all Credit Reporting Agent. However, to this day that has not happen, their excuse : In XXXX 2016 they said it take 30 days ; XXXX 2016, they said it take 30 days, XX/XX/XXXX - XX/XX/2016, they said I would have to wait another 30 days however, they did say that they did submit the information to all Credit Reporting Agent and they just have not done it however, I call XXXX and they said the late time they had any communication with XXXX XXXX XXXX XXXX or Speedy Cash since XXXX XXXX, 2016, and the did not ask them to delete any files. I attempt by phone to resolve this issues to know avail, just lies. Can not contact Management of lender.

Company response to consumer: Closed
Consumer complaint received 04-08-2016 about Mortgage (Conventional fixed mortgage) with MB FINANCIAL, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with MB Financial. I paid the amount shown on the coupon that I received from MB Financial. They received the payment on time and cashed the check. However, MB Financial stated that the payment was short as the escrow amount was by about {$18.00} due to a change in the escrow amount. MB Financial does not send statement ( by mail or electronically ). So, there is no way, other than the coupon, to determine the payment amount. When I was notified about the shortfall, I simply paid the difference over the phone. However, the problem is that MB Financial reported a 30-day late pay to the credit bureaus. My credit score dropped by XXXX points and I am unable to refinance a loan. MB Financial refuses to help.

Company response to consumer: Closed with explanation