milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Submitted dispute about state tax liens on my credit report with Equifax on XXXX XXXX, 2017. The tax liens have been released as of XXXX XXXX, 2017. Equifax refuses to remove said liens from my credit report even after showing proof of liens being released.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XX/XX/XXXX we got a payoff figure from Navient for our son 's XXXX student loans and sent that amount to pay off the loans. First they applied all the money to XXXX loan giving it a negative balance of thousands of dollars while the other XXXX loans went unpaid. After calling they took that balance and paid it on the other loan but not as a payoff. They made monthly payments with it, paying the loan up through XX/XX/XXXX and telling us the next payment was owed at that time! This type of action continued for months. Despite our calling ( each time talking to different people who said they would fix it ) nothing happened and we continued to get bills. Finally my husband sat down with the manager of our bank and called. She knew the amount that was paid and all information concerning the check. She demanded to talk to the accounting department ( something we had not been permitted to do ). After 20 minutes they admitted to her that our loan was indeed paid off. After months, we even got a check for a reimbursement for overpaying. Six months later the bills started coming again. For the last year we have gotten weekly bills. Now we ( and our son ) get MANY phone calls as well. Six to eight calls a day to be exact. Starting at XXXX and going through the evening. We explain to the caller, ask for a print out of our last three years of transactions, get confirmation that will happen and then never receive such a print out. We are at the point of suing this company for harassment. We just found out about this website and hope you can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I disputed a line item on my Equifax report. There is a charge of {$37.00} from XXXX XXXX XXXX. I always paid my dental bills at time of service and insurance also paid the bills. This is a fraudulent claim. If necessary I will file an action in state court for slander of credit. This claim was reported on XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My credit is report is showing an open account under the name of Midland and is falsely and illegally reporting itself as a credit account. Midland is a collection agency and can not be reporting as a factoring company and report in type as open. I have filed disputes with all XXXX Credit Reporting Agencies and all claim to have verified the account as belonging to me. I have sent Certified Letter to Midland requesting they provide me with all documents they provided to verify this debt and have not responded. I do not recall this account nor have I ever opened an account with Midland.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. This company requested my credit on behalf on someone fraudulently obtaining my personal information and using it to attempt to open an account. Although no account was opened this inquiry is showing on my credit file and adversely affecting my credit score. I have attached letters from creditors documenting the identity theft and a copy of my photo ID.

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 06/16/2015 about Debt collection (Medical) with Synerprise Consulting Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Very simple ... I have a bill from some XXXX that has been paid with the minimal amount that is suggested on the bill itself of {$20.00}. Payments have been consistent every month, certainly no reason to go to collection. 
I spoke with the dr. and his third party billing agency and all can not understand why this went to collection as they see consistent min. payments have been made. 
I received my XXXX call at XXXX from Synerprise XXXX regarding this bill. I said that my husband is our bill payer and I would check into it. I did just that to find that payments have been made of the min. {$20.00}. I then retuned a call to the collection agency to give them the information. I received another call this morning that shook me up terribly as the individual on the phone was threatening, demanding, cocky and rude. He actually hung up on me ending his call to me. 
I told him the same thing over and over that I have been paying the min. of {$20.00}. He asked me to call him back with the latest payment information. I said I was driving and that " no '' I would not do that as he can call his customer and find that out himself and there is no reason for him to even be calling in the XXXX place as again I said that payments have been made by with the min. payment. He mimicked my " no '' with an emphasizing sure surprise that since I would not call him back with the info he requested he would send me to collection that would wreck my credit and asked me if that is that I wanted to happen. I said that I will then just get an attorney as there is no reason for him to be calling me and he said " good luck with that ''. He was rude, demanding, and insensitive to the fact I was driving as I stated to him that payments have been made and that he was telling me a lie that I owed $ XXXXwhen in fact I knew the bill was down to {$28.00} and change. He was cocky in is presentation and conclusion when saying " have a nice day '' and hung up on me. This was XXXX XXXX at Synerprise. I was shaken terribly that when I got into work I called the Dr. XXXX who was very kind and then his third party at XXXX billing - XXXX. She apologized and could not understand why this went to collection. Just bad.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Mortgage (Conventional home mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (CA).
Issue: Closing on a mortgage

Complaint: I am writing to lodge a formal complaint about the theft of funds from my escrow account from my XXXX Mortgage. I had a previous mortgage with XXXX and did a cash out refinance with XXXX that was effective XX/XX/XXXX. 
When I received my final settlement escrow papers from XXXX XXXX XXXX there were extra fees include in it that was not disclosed in my signed Closing Disclosure Documents. Because of the additional fees, XXXX took the {$1400.00} from my prior escrow instead of refunding the amount that was in my prior escrow. I did authorize that to be done that way and I certainly did not agree to any extra fees that were not disclosed upfront. 
In my signed Closing Discloure Document, my loan amount was to be {$270000.00}, when I received the Escrow statement in the mail the amount is now {$270000.00}. I certainly did not agree to that amount. 
I have attempted to contact my loan servicers XXXX XXXX and XXXX XXXX at XXXX and neither of them has gotten back to me to discuss this issue. I also attempted to contact XXXX XXXX from XXXX XXXX XXXX about this issue and have not heard back from her. 
The tacking on of the additional fees and stealing the funds from my prior escrow represents fraud and outright theft.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have made 2 disputes to XXXX and Equifax to remove a paid state tax lien from my report as it does not meet the XXXX XXXX, 2017 pii requirements, they continue to respond as accurate/updated. They are not complying with the new requirements and did not truly investigate my dispute as I have  a copy of the original document filed from the court house. There is only name and  address, no date of birth and no full social security number(it is retracted on all of their documents). The credit agencies are lying, they obviously are not doing the investigation and/or they do not truly have access to the original documents filed in which case they shoud have removed them. Instead they just lie about having it verified/updated. This is in complete violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was recently stolen from Equifax, along with millions of fellow United States citizens. Although they are in fact a victim of cyber-hacking, they are also guilty of not taking the proper steps to safeguard the sensitive information that they have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX XXXX I noticed XXXX pending transactions ( XXXX for {$53.00} ) on my account that I had not made. I immediately called my bank ( SunTrust ) and informed them of this. I was told they would take it off and research it. I asked them to please let me know who tried to write a check on my acct. or if it was accidental internal or computer fraud so they transferred me to the fraud dept. I told them the same situation again and they asked me if I would prosecute and I said yes! So they took my info and said they would contact me in about 10 days, however no one ever called but the transactions were removed from my acct.! I then called the SunTrust back on XXXX/XXXX/XXXX to ask what had transpired and they said " well it 's not on your acct. '' and again transferred me to the fraud dept who gave me a direct phone number to call. I called this number XXXX on XXXX/XXXX/XXXX. I then reiterated the same story and they said they ca n't find it anywhere but it 's not on your acct. so it 's ok. No it 's not I want to know who tried to get into my acct! So they said they would research ( again ) and call me back. Again THEY DID NOT! On XXXX/XXXX/XXXX I called the fraud dept. again and again same run around! I have banked with SunBank/SunTrust since XX/XX/XXXX and am very disgruntled that they ca n't even help me with such a small request as to who tried to get money out of my acct.

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 08-06-2017 about Mortgage (Other type of mortgage) with DISCOVER BANK (MI).
Issue: Trouble during payment process

Complaint: I am a XXXX veteran and for the past 5 years I have been getting phone calls from Discover, Discover Credit card, discover Credit, Discover personal loans, Discover Home loans. The names that they use go on and on. I have been hassled by them so may time it is hard to remember all of them. About 3 or 4 years ago I received a call from Discover Home Loans stating that they own my mortgage and I need to pay them with in 30 Days or they will foreclose on my home! I call my mortgage company and was told that it was just another scam by Discover to seal people homes and that they still own my mortgage! And a few times I would pay Discover Card on line {$100.00} they would try to get {$10000.00} from my bank! Computer error they claim!

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Conventional fixed mortgage) with Finance of America Mortgage LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: We locked up the mortgage rate for a mortgage application in XXXX XXXX. The locked-in rate was valid for 45 days. XXXX requests many documents separately over numerous times. Our turn-around time for all the requested documents was less than XXXX hours. Many of the requested documents were redundant. eg. request a copy of passport and work visa. 

The mortgage application process took so long that our 45 days lock-in period has expired on XXXX XXXX. Due to the upward trend of the mortgage, we end up paying extra penalty {$1500.00} to buy points in order to get the same mortgage rate. When we asked XXXX why the application process took that long. XXXX blamed the long delay on getting ready for the title report. Then, we asked for the name of the title company, that we deal with our application, two times. XXXX did not provide us with the name of the company. Therefore, we can not verify the long process was caused by the title company. From our previous 20 mortgage applications experience with mortgage application, the earliest title report which was ready within the same day ; the longest title report was ready within the same week. There are many title company out there. When one title company fail to provide the title report within a week, mortgage broker should choose another tittle company. 

We were forced to pay a late mortgage penalty for our previous mortgage company. We were promised our mortgage application would be funded XX/XX/XXXX. Therefore, we thought we did not need to pay our XX/XX/XXXX mortgage payment, in our previous mortgage. We received phone calls from collection agency threatening us our house would be foreclosure within weeks if we did n't pay our XX/XX/XXXX mortgage. Debt collectors also threatened to report our late payment to all three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: APR or interest rate

Complaint: XXXX/Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX Dear Sirs : I applied to XXXX/Synchrony Bank to purchase some furniture. It was 18 months interest free. The total amount was {$1900.00} dollars. I had made monthly payments on time and paid it down to {$1100.00} Dollars. I had XXXX and no longer could work the job that I had due to the XXXX I was in. Synchrony Bank started charging me an interest rate of 29.99 % and late fees. My balance is now {$2700.00}. I know of a person who has gone through the same thing and his balance is up to {$10000.00} dollars. I have tried to communicate with them to see if they would just let me pay back the original balance of {$1100.00} dollars and they will not hear of it. I feel there is no way I can not pay this back ever with the interest rate and late fees applied every month as high as it is. Please help me and other consumers. This so wrong to treat consumers this way. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (DC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: They called, I told them what I could financially do but, they would not accept that and then I wrote to them. I told them I am XXXX and I make little money and I 'm XXXX. They wanted a c/c number but, I do n't have one and I told them I would not give them my debit card for payments as the would take it all and leave me with no food. They call XXXX to XXXX times a day. My voice mail identifies my number as a Do Not Call Number with a warning of being reported. They do not leave a message. I have been ill in the hospital and they continue to ring my phone off the hook. I do owe XXXX and I laid out what I was prepared to do and yet they continue to call. I have sent them XXXX already but, since I 've been ill in hospital with having to take a taxi back and forth to the Dr I do n't have the cash right now and will make another payment via USPS ( post office ) and I will make another and so on until the debt is satisfied. Just stop them from bothering me.

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 10/28/2017 about Debt collection (Credit card debt) with URS Holding, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am writing to complain about three financial institutions that conspiring to remove money from our checking account. These companies are XXXX XXXX , XXXX, XXXX XXXX XXXX, and XXXX XXXX. 
In XX/XX/XXXX, we agreed to a debt reconsolidation for a credit card from XXXX XXXX. The card was in the name of XXXX XXXX XXXX. We agreed to pay {$400.00} a month to XXXX XXXX , XXXX to pay off the balance on the card. We later found out that XXXX XXXX was an intermediary of some sort because their company appears on the endorsement side of the check. This transaction was completed for the months of XXXX, XXXX, and XXXX. Unfortunately, XXXX XXXX, who was earning the majority of the money in our household, was forced to resign her position as a nurse practitioner. She started working again in XXXX. I called XXXX in early XXXX, asking them to stop the payments of the checks temporarily. We both agreed that once we were financially stable enough, we would resume payments. While there were other agents involved with these actions, the individual from XXXX who is in charge of the account is XXXX XXXX. 
On XX/XX/XXXX, we received notice of an overdraft from our checking account for {$400.00}. We discovered that XXXX began to make withdrawals from our account again. We never gave them permission to resume this action. As a result, our account over-drafted twice and we paid {$68.00} in overdraft fees. 
We have since written a letter to XXXX XXXX formerly requesting them to cease withdrawing money from our account. I sent this letter directly to their email account and as a certified letter. We have also placed a Stop Payment on all checks from XXXX XXXX XXXX.
We consider XXXX XXXX , XXXX to be primarily responsible for this issue. We are naming XXXX XXXX XXXX because they advised us to use XXXX. We also name XXXX XXXX because their name appears on the endorsement side of the check and we were not aware they were involved in any of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Private student loan debt) with Ability Recovery Services, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Previously on  XXXX   XXXX   XXXX   XXXX  made a claim tha t I have enrolled into a School that provide with a High School Diploma , named  XXXX   XXXX  as I made a complaint to that collection agency to validate and verified, that I owed that debt and alone with my signature stamp. That estate that I owed {$1600.00} debt to the school and to please send me a copy of that debt, there were lots of discrepancies for  one I d id not live in the address they said i live in witch I did not ever live in that address  XXXX   XXXX   XXXX   XXXX , TX  XXXX . And I made it clear that I would place a complain to the CFPB so we agree that they were going to make an investigation and notified the School about these ledge debt I do n't owed, so their resolution after a few weeks was to notified the school that they were going to STOPPED COLLECTING and that they will returned the file to their client,  XXXX   XXXX   XXXX  THE  XXXX   XXXX ,  XXXX   XXXX   XXXX , GA  XXXX . Account #  XXXX  Reference #  XXXX , And they did stopped reporting to the credit bureaus, but apparently now the school give these debt to another collection agency name ABILITY RECOVERY SERVICES, OPENED DATE AS IT APPEARS ON MY CREDIT REPORT  XXXX   XXXX  FOR {$1600.00}. Please I am tired of these allege  XXXX   XXXX  to stop harassing me about these debt. I send a certified letter to these  Ability Recovery Services to va lidate me with the debt and to make a final decision to their investigation, and to stopped immediately reporting to all credit bureaus and to delete such a false and fraudulent accusation of these debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CURO Intermediate Holdings (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX Speedy Cash # XXXX sued me around XX/XX/XXXX. We went to court and had a hearing where I filed a Motion to Dismiss, there was a scheduling order and Defendant 's First Request for Production of Documents and A Journal Entry with Dismissal by the Petitioner Attorney  XXXX XXXX. Around XX/XX/XXXX I received a phone call from Attorney  XXXX XXXX asking if I would like to settle. We reached a settlement where he would pay me {$16.00} and remove this debt from all three credit reporting agencies. The mysterious thing is that XXXX XXXX sued me, but a debt collection agency owned by Attorney XXXX XXXX named XXXX is reporting the debt to the credit bureaus. I wrote two letters to XXXX XXXX and one to XXXX XXXX. I wrote and disputed with the credit bureaus and showed my proof that there was a settlement and the case was dismissed by Attorney XXXX. I have all the paperwork and evidence. I have NEVER received the {$16.00} from Attorney  XXXX nor has the wrongful credit reporting ceased. XXXX is still reporting this debt, ruining my credit, when the case was settled and dismissed in XX/XX/XXXX.

Company response to consumer: Closed with explanation