milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-05-2017 about Debt collection (Other debt) with The CMI Group, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I contacted Spectrum Cable in the beginning of XXXX XXXX in regards to an old outstanding debt I had with XXXX XXXX XXXX, which they now own. The XXXX representative told me that since merging with XXXX they eliminated their collection dispute department and that if I wanted to pay a lesser amount then what they had listed as owed, I needed to contact the collection agency who held my debt, which is Credit Management, out of XXXX, TX. I contacted Credit Management and told them that I would agree to pay the amount owed for past due services which was {$320.00}, but I was unwilling to pay the additional {$420.00} XXXX was looking for lost equipment as I attempted on multiple occasions to return the equipment and the pickup 's I scheduled were ignored and went unfulfilled. The representative at Credit Management stated I would have to put the request in writing and they would send it to XXXX to see if they agree on a lesser amount, which I did. On XXXX, rather then respond to my request to pay a lesser amount, Spectrum contacted Credit Management and withdrew the debt. The collection agency stated that I would need to contact Spectrum to see why the debt was withdrawn after I offered a lesser payment amount, as the debt was withdrawn but listed as " not satisfied '', meaning the amount is still owed. I called Spectrum today, XXXX/XXXX/XXXX, and they stated that they have no idea why the debt was withdrawn and that it will take an additional XXXX business days to get a response as of why. I feel like Spectrum had misinformed me in the beginning process and now that I have offered a lesser amount through the collection agency, is attempting to prolong the process and offer misinformation in the hopes I will give up and pay the full amount the feel is owed. I have stated on numerous occasions that I am trying to pay the debt off to obtain credit financing for a home purchase, and it seems like I am being taken advantage of.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional fixed mortgage) with MCLEAN MORTGAGE CORPORATION (NC).
Issue: Credit decision / Underwriting

Complaint: I was denied a mortgage refinance for a lower interest rate, VA guaranteed for my personnel property. The decision to deny the loan was based on my credit report. At that time my credit report carried XXXX negative items. XXXX items were paid off XXXX XXXX and the third items should not have been on the report. Currently, all negative items have been removed from the credit report. We dealt with the mortgage company five months ( XXXX XXXX thru XXXX XXXX ). During that period they ran my credit report four times. Bringing my credit score done even more. The appraisal expired, the appraisal fee {$450.00} was non refundable and the low interest rate also expired. A written request was mailed to the mortgage company, recently asking that the inquiries be removed and there has been no response. First, I did not give them permission to run my credit report four times and second because the numerous inquiries lower my credit score, it prevented me from acquiring financing from another institution

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (I do not know) with Van Ru Credit Corporation (VA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Females from Van Rue of Illinois called XXXX, claiming to be from XXXX. I am in XXXX. They claim to be checking for some XXXX XXXX of a XXXX location. After checking, they are not from XXXX but from the rogue Van Rue Debt collector. I contacted individuals XXXX. XXXX XXXX appears to have its hands in several illegal acts : XXXX scam, embezzlement, and illegal drug sales.

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 09/29/2016 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (PA).
Issue: Fraud or scam

Complaint: Hi I am filing a complaint against XXXX XXXX for fraud and abuse of my credit card. This summer I had at least XXXX or more stolen from my credit cards and my bank account. They were only giving me XXXX in credit in which more then XXXX was stolen for in applications on there site. I was only able to get some of that back but there is more then XXXX that needs to be sent back to my account. My bank is over drawn due to this and I am on XXXX and they need to send all my money back. It has been months of complaining about this and they will not send my money back. I did not give theme the right to over XXXX to steal from my bank. It is an online account for games and I would never authorize them to take my money and they refuse to contact me any more. I have complained to my bank and to them and over XXXX total is missing due to fraud and abuse. I went on vacation and it started as XXXX to XXXX purchase and as of months later none of it was returned so I am contacting you for help to get the money back that was stolen from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: When requesting our annual credit reports we also will pay to receive our Credit Score at the time of the report. Experian does not properly disclose ( uses " mouse print '' ) that when you pay {$4.00} for the credit score you will be automatically enrolled in a credit score monitoring membership that the consumer is responsbile for calling within a 30 day window to cancel without charge ( {$19.00} per person/per month ). There is no acknowledgement required on behalf of the customer that you agree to this - other than indicating you want to get your credit score. I have been charged for both myself and my husband in XXXX and XXXX 2015 after pulling our initial credit reports and scores in XXXX 2015. I contacted Experian today and they canceled my " membership '' and after I mentioned I would be filing a complaint with the CFPB they were " able to refund one month of charges '' but that would be all. I work for a financial institution and I find it appalling that Experian is able to do this to consumers without requiring their confirmation/acknowledgement of accepting the service and the associated charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Greetings, I have a credit card for XXXX ( XXXX XXXX ).  approximately back in XXXX 07, I was charged for the authorized amount of {$950.00}. After I received the statement I called the credit card to inform about the unauthorized transaction. They proceed with the cancellation of the credit card and posted a temporary credit until doing the investigation. Few days later, they assessed the charged back on my account without giving me the proper results from the investigation where it shows that I was the person or consequently I signed an authorization for this parties to use my credit card. Therefore, I called and initiated another request. They apologize because the first request it was opened under a wrong category. They again closed my account and sent another credit card. To my surprise, the charge was posted back on my credit card. At this point and totally frustrated I called back to have them proof that as a cardmember I have made or authorized the purchase. They have neglected to provide any f the following : 1 ) The creditor don't have the receipt of the transaction signed by me where I take responsibilities for the amount. 

2 ) The creditor don't have any documents where I shown that i have signed any contracts with the legal office and where there is an amount due under my name for {$950.00} 3 ) The creditor is lacking of any documentation where I have authorized a third party to use my credit card with my signature stamped and date. 

In other words, the credit card company represented by Walmart -XXXX XXXX neglected from providing any documentation where I have made or authorized the use of my credit card to anyone for the amount of {$950.00}. 

This company has broken there values and standards where they claimed to protect the cardmembers from fraudulent or authorize charges. I am a clear example that they have no taken their promises seriously and they have ignored my multiple phone calls where I have begged to have a resolution and have them proceed my interests as they should have.

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 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: When my ex husband kicked me out of his house i lost all my personal information and he would n't give it to me and told me he could't find it. Then after a month i started getting att phone bills in my name and i never opened a att phone account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (SC).
Issue: Problems when you are unable to pay

Complaint: I have a loan on XXXX vehicles with ally financial, in either of these loans I submitted payment online, and was n't sent or advised of any issues with the payment. Today, the repo man appeared at my house, as ally is well aware since providing my benefit statement as a part of income verification, I am a XXXX veteran. This complaint is based upon XXXX issues, first Ally to date has never provided a right to cure statement, which is a legal requirement, any production of such is a production to cover such non action, and false. Secondly I have a Mercedes Benz that I own outright in my yard, the repo man in error placed his jack under my owned car, not attached to this loan, raised my owned car, upon my XXXX, I rushed out the house, stumping my foot, and advised him to put my car down, and check the VIN number, which he complied, it was the wrong car.

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 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Complaint : Both the Accounts shown below were settled in NJ XXXX order in XXXX XXXX, I made the final payment of ( approx {$4300.00} ) as ruled by NJ XXXX XXXX, this collection should be settled based on that court settlement and reported as settled. The court case was filed by the Apartment company, with who I had a dispute about XXXX terms. The name of the Apartments company is : they have 2 names : XXXX XXXX XXXX XXXX XXXX 1. 
Account NameEXECUTIVE CREDIT MANAGEM Account XXXX Account TypeCollection ResponsibilityIndividual Date Opened XXXX/XXXX/XXXX Status Collection account. {$4300.00} past due as of XXXX XXXX. 


2. 
General Account Info Report Number : XXXX Date Generated : XXXX XXXX, XXXX Account NameEXECUTIVE CREDIT MANAGEM Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Status Collection account. {$1500.00} past due as of XXXX XXXX. 

This specific Apartments company called XXXX XXXX XXXX XXXX XXXX A O XXXX ) is notorious for cases and claims in Northern New Jersey they have multiple consumer complaints going on against them. 
They are crooked and very unethical Apartments rental company. when I was living there multiple cases with tenants were ongoing.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  's c lient  XXXX   XXXX   XXXX  is an identity theft victim. His information was used without his consent to apply for a SYNCB/Walmart account.  Two formal disputes o f this inquiry have been submitted to SYNCB/Walmart however the inquiry is still being reported to  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 non-monetary relief
Consumer complaint received 05/18/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am receiving several calls a day from  Midland Credit. I have not received any correspondence via mail regarding any uncollected debt. I do n ot have any uncollected debt. They are not leaving me any voicemails. I can not reach a person to speak to. Most recently, on  XXXX / XXXX / 17 , they called my father. I am a  XXXX   year old h omeowner who makes a  XXXX  figure salary. I now see that this so-called debit is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2017 about Mortgage (Conventional fixed mortgage) with CIT BANK, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Submitted for a modification numerous times constantly being told documents are not being approved with no explanation as to why. Have submitted a complete package to my lender at least 12 times if not more.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MO).
Issue: Application, originator, mortgage broker

Complaint: I XX/XX/XXXX I applied for a refi. for my home through US Bank in XXXX XXXX, MO. Despite a XXXX credit score at the time and having purchased the home in XX/XX/XXXX and received financing from another bank, the process took 4 months! During the process I was asked repeatedly to provide the same tax information ; including a visit to a local IRS office, with a 2 hour wait, using instructions from the bank, only to be told the information obtained was unacceptable to US Bank. The process did not conclude until XXXX. I feel I was discriminated against due to my being XXXX XXXX, it is hard to imagine the loaon process for all their customers would be so long and punitive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am filing a complaint on navient student loans servicing. They have reported a very old student loan being 60 days late which has never happened and has been reporting on my credit report late for the past 9 years. this needs to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Mortgage (FHA mortgage) with MOVEMENT MORTGAGE LLC (GA).
Issue: Credit decision / Underwriting

Complaint: I applied for a FHA loan at Movement Mortgage on XXXX XXXX, 2016 and was trying to get completed due to lease would be ending verily soon. I have been provided several closing dates and yet have been displaced to a hotel since lease is completed and have encountered over {$4000.00} in hotel room charges during these 3 months and still no decision has been provided to me as of this date. I have had to contact the XXXX Corporate office as well as the main corporate office in XXXX then to be sent to another person in XXXX Was told by Loan Officer no credits of any kind could be provided to me due to this unfortunate situation. Was harassed about the status of my children and had to prove constantly if I have given birth to them and by providing birth certificates and court documents on a almost weekly basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I got a phone call a week ago from number ( XXXXMO, USA which was Kohls asking me to pay for my debt that I owed to them, which is {$200.00}. I told them at the time that I could not afford to pay the bill. They asked me if I could make payments, and I told them no. ( side note I am currently waiting for my tax return and that was to exactly 1 week ago today. ) This past weekend I started to receive repetitive from phone calls from ( XXXX ) XXXX starting on Saturday. ( Sidenote : this is not the XXXX time I have gotten my multiple phone calls in XXXX day from a unknown number ; please see attached images of my phone log. ) I received XXXX phone calls on Saturday from XXXX XXXX to XXXX XXXX. I received XXXX on Sunday from the hours of XXXX XXXX to XXXX XXXX. Today Monday, XXXX XXXX I received XXXX phone calls between the hours of XXXX XXXX and XXXX XXXX. I have already told them in the month of XXXX that I am unable to make a payment to them, yet I still have been receiving phone calls from them. I understand that I 'm not answering my phone but I work XXXX so I m not going to stress myself or talk on the phone at work. Every phone call that goes to voicemail is just dead air it is really getting on my nerves. 

Over the past month from XXXX XXXX to today I have received a total of XXXX phone calls from XXXX different numbers. The other number is XXXX XXXX XXXX XXXX. 

It is unbelievable how many times they have called in less than a month. XXXX was just as bad in XXXX. XXXX phone calls. I never answered their phone call. I ca n't make them any sort of promises right now. But the phone calls from them came from numbers XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They stopped calling on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: XXXX - Option One Mortgage loan paid in full. XXXX - Option One Mortgage recorded Full Reconveyance in the XXXX XXXX County Recorders Office. XXXX - Homeward Residential attempted to foreclose on my property using fraud. XXXX - Ocwen Loan Servicing filed lawsuit in the XXXX XXXX County Superior Court. XXXX - Deposition was taken, where Ocwen Loan Servicing attorney XXXX XXXX agreed to have my former forensic FBI agent travel to XXXX XXXX county to authenticate the documents in his possession, upon arrival my FBI expert was denied access to the records. XXXX during pending litigation, XXXX attorneys agreed my loan was paid in full based on the evidence they had in there possession and directed attorney XXXX XXXX to dismiss the pending action. XXXX - XXXX recorded Full Reconveyance in the XXXX XXXX County Recorders Office. XXXX - Ocwen Loan Servicing and XXXX attorney XXXX XXXX ( Who is now working with the XXXX XXXX XXXX, Who needs to be investigated by the California State Bar and the DOJ ) Attorney XXXX XXXX started making threats to take my house calling me names at the same time rescinded XXXX XXXX XXXX. XXXX XXXX started couching, whispering in his clients ears during depositions, and directing his clients and its fraudulent witnesses during trial how to lie under oath make up false fronts so its client would be awarded fraudulent Judgment to wrongfully foreclose on my home. Ocwen Loan servicing and its lawyers used fraud upon the court to seek judgment during the time I was hospitalized for months. I have medical records to prove it. XXXX - I had a life threatening illness that landed me hospitalized for several months, I was forced to file Bankruptcy because I had no ability to fight Ocwen criminals and its fraudulent attorneys because they have drained my savings account, over {$100000.00} in attorney fees, and other fees during my health troubles. XXXX - XXXX I filed multiple police reports, multiple DOJ, DBO and CFPB complaints. XXXX - I filed lawsuit, Ocwen made offer of {$660000.00} 2 % interest if I agree to dismiss action. I declined. I dismissed the court action so I could search for other attorney. XXXX XXXX, forensic loan auditors prepared report and findings which identified mortgage servicing fraud. XXXX - I filed another lawsuit, Ocwen Loan Servicing made several attempts to foreclosure on my property using fraud, just days before the trustee sale Ocwen made another offer of {$770000.00} 3.43 % none negotiable loan modification or they would proceed trustee sale in just days, leaving me no choice other then to sign the settlement agreement under duress to avoid fraudulent foreclosure. Ocwen Loan Servicing litigation department lawyers have been directing outside counsel XXXX to lie make up false claims to protect his clients. I demand the CFPB to involve the FBI, DOJ, California State Bar and other sources to investigate my matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A computer glitch that was   XXXX   problem and not mine caused my inquires to be deleted and they later added then back on without sending out  a five  day written notice prior to them adding them back on. I then proceeded to call them to let them know of the error and that it was illegal to add them back on with out notifying me. Those inquires added hardship and my rights were violated by  XXXX . I 'm asking that you guys step in and put an end to  XXXX  so that they can stop victimizing me as well as others. As a resolution is ask that all my  XXXX  inquires that I did not authorize be deleted permanently as a violation that they did n't not notify me of and illegally added back.  <P/>  XXXX   XX/XX/XXXX      XXXX   XXXX    XX/XX/XXXX     XXXX   XX/XX/XXXX     XXXX   XX/XX/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