milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2018 about Mortgage (Conventional home mortgage) with Envoy Mortgage Ltd. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The reason of this report is for negligence and misconduct in our mortgage application process with Envoy Mortgage, which resulted in higher interest rate and incorrect down payment amount. The two national mortgage service license holders involved in this violation are listed below : XXXX XXXX, Senior Loan Officer MLS # XXXX XXXX XXXX, Regional Manager MLS # XXXX We were referred to Envoy Mortgage by our new home builder XXXX XXXX as their " preferred lender ''. We were provided with a rate quote at 3.7 % in XX/XX/XXXX by the loan officer, XXXX XXXX, but we were never informed to complete any documents or agreements in order to have the garuantee on that rate. We were under the impression that once the quote was sent to us, that rate was locked for closing. As we inquired about the loan process, XXXX XXXX never discloused the terms and conditions regarding the rate lock process or any action required to secure the quoted rate. In XX/XX/XXXX, as we approach XXXX for updates, she informed us that the rate has gone up and we were quoted at 4.0 % instead of the 3.7 %. Although we were misled to believe we already locked the rate at 3.7 %, we were then informed there is a payment to lock the rate for more than 30 days. We proceeded to follow the process of locking the interested rate offered on XX/XX/XXXX.  Because of the limited 30-day lock, we were forced to close by XX/XX/XXXX before the lock rate expired, which resulted in a short-turnover time and multiple mistakes on the closing paper work. 
We initially requested to put {$100000.00} for the down payment, but later changed it to {$130000.00} with written request through email to XXXX XXXX. He failed to respond to our request for this change, not even to inform us it couldn't be changed, and proceeded with the down payment as {$100000.00} on the closing documents. We had requested multiple times prior to closing to review the loan documents, which XXXX and XXXX failed to provide until the day of our scheduled closing, merely two hours prior to the scheduled closing time. We then noticed that the amount for down payment was documented incorrectly and there was no time to change at the closing. We were forced to close on the scheduled date with an higher loan amount then we agreed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In  XXXX  in was subjected to fraud. I contacted my creditor  '' s  (  XXXX ,  XXXX  and experian ) to file a indentity theft and to get my accounts taking cared of. They did so in  XXXX   XXXX   XXXX  - {$470.00},   XXXX   XXXX   {$1000.00}  XXXX   XXXX  {$580.00} and  XXXX   XXXX  {$810.00} was deleted off of my credit reports. In  XXXX  these  XXXX  acconuts were updated and added back to my account. I contacted the  XXXX ,  XXXX  and experian to explain to them these are not my accounts they never were. These accounts where made under fraudulent pretenses that I had no knowledge about. I stated these same accounts were deleted in  XXXX  due to myself being subjected to fraud.  XXXX  stated it was disputed before and verified and there is nothing they can do. They told me to file a complaint by the FTC regarding my accounts. Experian and   XXXX    stated they would submit another dispute, that 's was in  XXXX   XXXX  but nothing has been deleted. These accounts are still on my credit report and they do not belong to me. I demand these accounts be removed from all  XXXX  of my credit files so that these fraudulent accounts can stop hendring me from proceeding with my government job.   Thank you

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: Credit Reporting Agencies should not be able to charge an individual to freeze their credit. An individual 's credit should be frozen on default, including pre-screens, and only be unfrozen at the individual 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am contesting the account with XXXX XXXX. It is an account that was opened without my consent. It is showing a balance of {$910.00} with a {$500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 184 % usage. I need Experian and XXXX XXXX to correct this account on my Experian report. I should not owe XXXX XXXX anything since the account was opened and used without my consent and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: I had {$420.00} taken off my prepaid Bluebird American Express that I did not authorize. The account has been closed and the fraud department said they could not determine fraud was committed on my account. They have no proof that I authorized these purchases because it was done online and I did not purchase the items in question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-09-2018 about Debt collection (I do not know) with Allied Interstate LLC (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received unsolicited phone calls for debt collection company on several different occasions multiple times a day for person that was not me ( Looking for a " XXXX XXXX '' ). They left no information or voicemail. They would call up to 4-5 times per day. Ultimately I called them twice to have my name removed from the list however I work nights and these phone calls were harassing in nature without any information left to identify the collar or reason for phone call in voicemail.

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 09/15/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: This company will contact me and let it go by the way side for several months then they will contact me then let it go by the way side. The debt is invalid because it happened way beyond the statutes of limitations, but they continue to call and harass me. The woman on the other line was vile, unprofessional, and inappropriate over the phone. She called me a thief, told me to pay my bill, and that there is no way I was able to speak to an upper management at the company. She obviously get 's her jollies off at upsetting peoples day. I was at work and have a family to provide for. This is complete bs, and hope they get their license pulled. I will pray that the people at this company find a better way to make a living, no one deserves this treatment. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: ON XXXX/XXXX/2017 I received a call from a young woman advising me that I have a pending lawsuit against me. She could not tell me what for, but she terrified me saying that I would have sheriffs serving me in the next two hours. I asked what was it for she said she did n't know but it was for a debt. I told her I could n't be home to be served and she told me I better reschedule or they will think I am trying to avoid them. I asked her what address and she gave me an address 3 years old and I never would have received any documentation regarding this lawsuit. She said since i was n't aware of the debt that I should contact XXXX XXXX at XXXX which is the number for XXXX XXXX XXXX. When i called I explained I have no idea what this was about and the gentleman XXXX stated it was for a credit card and the amount due was {$880.00}, he then advised me if I paid today it would only be {$380.00}. He then proceeded to tell me if I pay today there would be no lawsuit and it would be canceled. So i paid it. <P/>I thought about this last night and realized it seemed odd that everything just came out of nowhere and they would have received returned mail since i have n't lived their, so it ultimately made me realize it was a scare tactic that i fell for. I ran the address for XXXX XXXX XXXX and it was a XXXX XXXX i then called and asked for a copy of the canceled lawsuit documents and was told there was n't any and that no sheriff was going to serve me but a courier. I advised him that this seemed like a tactic to get me to pay a bill and advised him I would be filing a formal complaint on the tactics used, he said the company that called me was a 3rd party they hire them to do it and they have no control over what they say, i simply explained you hired the other company to represent your company and you ARE responsible for the methods and tactics they use. I ended the conversation advising him i will file a formal complaint and said goodbye.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the account XXXX XXXX with Equifax several times, and have even contacted the company since XX/XX/2016. The company/creditor listed on my credit file ( XXXX XXXX ) was contacted via certified USPS return receipt each time, I requested them to send me verifiable proof that this account is mine. I have never received any information from XXXX XXXX verifying that this account is mine, through verifiable proof or a contractual agreement that I had with them showing that I agreed to pay this amount. I have allowed well over the amount of time requested for XXXX XXXX to supply the information / proof to me. It 's been over 120 days, since I started the dispute. I have also notified Equifax that this was a fraudulent account and Equifax has done nothing to correct, rectify or investigate the matter. I have contacted Equifax on several occasions, once again via certified XXXX return receipt as proof, which their representative signed for each letter that I have sent them since XX/XX/2016. I called the Equifax four days ago and a representative told me that XXXX XXXX had been removed off of my credit file, however, I received two emails today, and therefore, called Equifax and the representative that I spoke to this morning stated that XXXX XXXX was still on my credit file report as an account reporting as closed account with a balance due. I asked her why, because the previous representative told me that the account was not showing on my credit file, however, the representative that I spoke to today, was very short and rude to me also. Previously, I had to request a manager. However, I have sent them all documents showing that my homes had been broken into, and Equifax has refused to take this account ( XXXX XXXX ) along with the inquires that were listed off of my account. I am asking for the assistance of the Bureau of Consumer Financial Protection to enforce the rights of the consumers by demanding that Equifax remove all inquires and XXXX XXXX from my credit file immediately! I have also attached police reports where my XXXX homes were broken into, and my identity was stolen, while I was away from my house over 6 months due to work related assignments. I have also attached a police report where my vehicle was broken into, as well. I have sent Equifax these same police reports, but they refused to upload the police reports, where my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, XXXX I discussed with my dentist future orthodontic work that would be needed, and expected that he would prepare an itemized plan for this work, so that I could consult with the dental insurance carried by both myself and my husband, develop a plan of treatment, and work at the insurance coverages, other expenses and a payment strategy before beginning or authorizing treatment. 
Today, XXXX XXXX, I received a bill from CareCredit/Synchrony Bank for {$420.00} due XXXX/XXXX/XXXX with a charge balance of {$10000.00}, that lists a transaction date of XXXX/XXXX/XXXX. This account was opened fraudulently, I never authorized it, and the charge is likewise fraudulent - it is for work that I have not even agreed to, much less have been performed. 
I see that CareCredit/Synchrony Bank was fined {$34.00} XXXX in XXXX for abusive/fraudulent lending practices with unethical doctors and dentists, and it appears that they are still in the medical scam game. 
We are making no payment on this account, as it may be construed as acknowledging its legitimacy, so I am concerned about Synchrony Bank entering false derogatory information in my credit file as a consequence. Thus quick resolution of this fraud is essential.

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 02/22/2017 about Consumer Loan (Installment loan) with United Check Recovery Bureau, Inc. (SC).
Issue: Problems when you are unable to pay

Complaint: I had a loan that I defaulted on because of an unforseen circumstance in my finances. I never heard anything from the company. Then last week my Dad gets a call telling him they are going to turn me into the IRS and got him all worried. When I called them they threatened me. They said they were going to take my car, garnish my wages, have me arrested, and file with the IRS. One way or another they were getting there money. I was bullied into making Payment arrangements with them. They emailed some document to me but I could n't open it up without signing it first. Ithe was just telling me I was making payments to them for the next 24 months of what they said they would only take. I still up to this point had nothing in writing from them of the debt or amount owed. Then they started calling my work and even left a message on my bosses phone wanting to take my wages. I asked them not to contact me at work. They still called my work. I sent them in writing and called several times asking for themail to mail me paperwork. They said they did back in XXXX but last week they said they did n't have my address. I have checked and there is no Judgement filed against me to do with this debt. They belittled me by calling me names, telling me what I needed to do, and bullied me with threats. I made my boss and HR department aware of everything. I called the bank that holds the note on my car and even told everyone that gets a call from them about me to block their number. It has become way to much to deal with. My XXXX has peaked and now my health is taking a toll already because they wo n't stop with the threats and it has only been. A little over a week. The company is United Check Recovery Bureau , Inc. I never get the same person on the phone and they keep bouncing me back and forth with the person they claim holds my account. They are mean and very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I tried to purchase my report online and received error codes that a report could not be furnished. 
Called for customer service and they were also not able to get a report online for me. 
Sent ID documents as requested. 
They orally confirmed my ID was fine. 
Again tried to purchase credit report and did not work. 
Called customer service again and after 8 attempts they were not able to generate a report for me either. 
They had no answer or explanation. 
I was denied credit and then tried to use phone system to get a free report, but I got message that the automated system was down. 
I then attempted to get a free report online and it would not generate a report either. 

So I ca n't buy or get a free copy of my Equifax report and I have been trying for over a month. 

Each time they try to process a payment for a report I ca n't get, it puts a hold on available credit on my credit card and I need that credit available.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I have a job and the only way Experian will allow account cancellation is via phone - each time I cal they say a 2 hour wait and before I am connected the line goes dead - there is no way to cancel!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Other debt) with Allied Credit Consultants (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I received a letter from Roth Morgan about a debt balance I had of {$330.00} from XXXX XXXX from over 6 years ago. They said I had 30 days to respond or else this would go on my credit report. I called Roth Morgan XX/XX/XXXX and they said their sister company XXXX ( law firm ) bought the balance from XXXX XXXX and have been trying to reach out to me for the last 6 years. They said they would reduce the balance owed to {$250.00}, then to {$220.00}. I asked for further evidence about this debt but did not provide any more documentation. Concerned that my credit report would be impacted negatively, I paid Roth Morgan {$220.00}. Realizing that I might have been scammed, I remembered that I had a debt collector, XXXX XXXX XXXX reached out about a debt from XXXX XXXX and paid {$250.00} on XX/XX/XXXX, the exact amount Roth Morgan was looking for. This is when I knew I was scammed.

Company response to consumer: Untimely response
Consumer complaint received 01/18/2018 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX is charging me for a credit card that I had identity theft on ... I lost my pocketbook and however the person that stole my credit card ... put some purchases on my credit account with XXXX credit card..I have file a police report to have this item removed

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Taking out the loan or lease

Complaint: I was sued by Midland Funding llc back in XXXX. They sued me aftervthey supposedly purchsed XXXX charged off credit card debts. After inpaid sn attorney to negotiate thiese for me they have still continued to harrass me for payment. I have also paying a law firm called XXXX law fow over 2 years to help get my credit back so i can keep my business going an be able to survive. After thousands of dollars to XXXX law they were able to get my credit scorse back to whete i can finally get the help i need. Just recently on XXXX XXXX they got midland funding to remove then negative items from my credit reports. I am still making my monthly payments to them thru a law firm called XXXX After they removed these itmes my credit score was marked good snd i was about to go try to get a business loan to advance my business. Now after all this just today XXXX XXXX only about 2 weeks after it gets fixed they now put these itmes back on my report. Now my scores have gone down again over XXXX points. They knew i was working with a credit repair law firm simce they kept sending me letters saying they did not have enough information to process my requst to verify these items because they felt it was requested by a credit repair agency. I do feel they have once again violated the credit protection laws and have deliberately attacted my credit again. I feel they should now be required to immediately and permanently remove these items as well as pay me for this attack. It is hard enough to get by the last few years without being attacked by a junk debt buyomg compant that is only out to scsm hard working people out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit card or prepaid card (Government benefit card) with Comerica (WA).
Issue: Unexpected or other fees

Complaint: I called my card on on XXXX XXXX 2017 before going to get a money order at XXXX XXXX it said that I had XXXX on my card, I got to the store and only XXXX was on it I cant get a hold of anyone or do anything and this is the 2nd time this has happened. I got XXXX dollars taken off my card and no one can tell me where it went or anything I am tired of this and I do not have any recourse on this. <P/>I can not get a hold of any one with Direct Express because the automated system keeps hanging up on me. It says we are experiencing higher than normal call volume and hangs up on me. <P/>this is the only money I get for the month and then I am out of luck.

Company response to consumer: Closed with explanation