milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Clarity services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Through a nasty divorce, I was awarded the family home which was in serious default. My ex ceased making pmts XXXX. I was out of state due to my father 's death ; my ex started drinking heavily ; and landed in jail for 5 months. I filed for divorce XXXX & the judge restricted my ex from the house. I was living with my son for personal safety. The house was vacant XXXX - XXXX when I moved back in after being awarded the house in the divorce. I first went to HUD in XXXX to work with a representative on how I could keep the house. In XXXX XXXX, I tried to reach her and found out she was no longer there! At that same time, US Bank assigned a Relationship Mgr to be my point of contact while requesting pmt relief/modification. XXXX, I was assigned another Relationship Mgr! Since XXXX, the only communication from either of these XXXX Relationship Mgrs has for me fax the same documentation that I have faxed numerous times before! No one will tell me the status ; what the next step is ; nothing! And then when questioned, I was told US Bank will not put in writing the process or time frame! And now I find out I have to start the process all over again because I did not receive a packet the Relationship Mgr was to send me in XXXX XXXX and never returned my calls letting her know I had n't received it!! I have even rented out XXXX bedrooms in the house since XXXX as well as the shop! And have provided over & over again proof of this by way not only bank statements but copies of the checks! The interest rate is 8.9 %! 
I need to be able to speak to someone that can help me. I have done everything they have asked of me and I ca n't get any of the same courtesy back. If they are n't willing to help me, then they need to let me know so I can go on with my life. It 's the not knowing that has added for much stress and it 's effecting my health. Can you imagine living in fear that XXXX day there will be a knock on the door and being told you have to vacate? I live with this daily and my boarders ca n't sign a long term lease because I DON '' T KNOW WHAT IS GOING TO HAPPEN! I truly believe you are my last resort. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (Other debt) with First Advantage LNS Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I once stayed in XXXX XXXX XXXX XXXX Apartments in XXXX XXXX, Texas. After I informed the apartment manager that I was moving out due to crime in the area and apartment complex. I gave them a written notice that I was moving out. The apartment complex was going up for sale to a new owner and the tenants were given a chance to move out based on the crime and things that took place in the complex. I took them up on the offer that I wouldn't be responsible for the remaining balance due to the sale of the complex. After moving out of the complex I got a bill from a collection company. Everything I owe was put on the loan of the sale of the complex and the complex is not trying to collect any funds. So, I don't know why I have this collection company calling me.I like to provide my credit report to show that they are on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NM).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: In XXXX Midland Funding Filed a lawsuit against in XXXX. As of XXXX XXXX I no longer lived in the state and reside in XXXX. I learned of the lawsuit when my wages started getting garnished. Since I am XXXX I immediately contacted Midland whom would not stop the garnishment unless I paid more than half of the balance and continue to pay the rest of the balance in 26 monthly installments. The account is now paid but the damage to my credit file remains showing I have a paid collection and a judgement. I was never allowed the opportunity to dispute this debt, which I do not believe was mine. I have written several letters to Midland and they refuse to discuss this issue of the illegal suit or the removal of the negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am currently disputing a fraud item from XXXX which took place in XXXX, however recently XXXX placed a hard inquiry on my credit reports without reason.

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 01-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Several Federal student loans with furnisher Fedloan Servicing are being reported as late although loans in general forbearance where by law no payments were not required/delayed for during that timeframe. The negative information is being reported to all XXXX major credit bureaus. I have disputed this inaccirate information numerous times only to have it returned as verified. It is my understanding tbat that FTC laws requires the creditor to report and update accurate information. This furnisher refuses to update my file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient has repeatedly suggested that I use forbearance when struggling after losing my job and after encountering financial problems. I have now had several forbearances and just recently I learned about Income Driven Repayment plans ... I do n't understand why they did not tell me that there was an Income Driven Repayment option.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There seems to be showing an overdraft account balance of XXXX with my bank from 2002 and I since have paid it off. My account is still the same with the Bank or I would have known about it by now but it is always showing I paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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 am a first time home buyer and was excited to find an amazing house. In the pre-approval process, I was informed of a tax lien on my Equifax credit report. In disbelief, I called the XXXX XXXX XXXX XXXX to confirm this lien. I was informed that no lien was found under my name. Further investigation showed the tax lien belonged to my father, who has a similar name. In pursuit of removing this lein from my report, as of XX/XX/2017, I filed a dispute with Equifax. On XX/XX/2017, Equifax " completed '' the dispute. The confirmation letter sent to me read : " We have reviewed the lien information. Case or ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX The results are : This item has been deleted from the credit file. ". After 30 days, the tax lien still shows up on my credit report under the public records section. I have contacted Equifax customer support many times in the past weeks expressing my concerns, they have been extremely stubborn and tell me that I will have to file another dispute and therefore wait another 30 days. At this point in my contract, I do not have another 30 days to dispute this information. The lien should have been properly taken off during the first dispute process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2015 about Mortgage (VA mortgage) with MORTGAGE SOLUTIONS OF COLORADO (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I got XXXX and was off work for a couple of months and we got behind on the mortgage so I wanted to do a modification and went through the process we sent in all our information and waited on their response. Finally we got a letter in the mail informing us that our mortgage payment has went up over XXXX dollars a month for the rest of the loan. Our payment went from XXXX to XXXX for the remainder of the loan. We were told to pay the new monthly payment or they will take home. After talking to many different people asking why our mortgage has went up someone finally told me that after looking at our finances they determined that we could afford the make the higher payment and if we could n't we would have to do a short sale or get our home taken. This is the WORST mortgage company in America!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: My wife and I have a Home Equity Line of Credit ( HELOC ) with Citibank. The account number is XXXX and is in the name of XXXX and XXXX, XXXX, XXXX, Ca XXXX. 
The Credit line is for {$380000.00}. The money is in this HELOC account and when we need to use it we transfer funds from the HELOC to a Citi Gold checking account # XXXX. 
We then are charged interest from the time the funds are transferred to the checking account. These accounts were set up in XX/XX/2016 and we have transferred funds numerous times since then. 
This morning the Citibank web site that we access to make the transfer contained a notice that said. " To avoid a change in your Citigold package increase your combined average monthly balance to at least {$200000.00} '' My wife had an on line chat with the bank and this was confirmed. 
We are now forced to pay interest on a minimum of {$200000.00} of funds we are not using. 
Th

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 11/16/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (TX).
Issue: Trouble during payment process

Complaint: Our home was destroyed by XXXX XXXX. We finally got policy limits from insurance, and the check was made payable to my wife and me and our mortgage company, PNC Bank. It was for {$110000.00} more than what we owed on the mortgage. PNC Bank has used the money to pay off the mortgage as we requested, However, they insist that their " policy '' is to take at least 20 days to send us the balance we are owed. So, they are profiting from our loss by getting interest on our money. Our home needs to be torn down, as it is dangerous. But, we need that money to tear it down and begin the rebuilding process. 

PNC Bank should issue our check immediately and pay us back interest on the money for the time they held it to comply with their own self serving " policy ''. 

How many other people do they take advantage of in this way?

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (DC).
Issue: Trouble during payment process

Complaint: Caliber did not receive a copy of property tax statement for first half of XX/XX/XXXX tax payments ; copy of property tax statement was sent to Caliber. Caliber incorrectly entered Lot ID, resulting in incorrect property tax payment. After being notified of issue, Caliber subsequently made correct tax payment. However, original incorrect payment ( made XX/XX/XXXX ) has still not been returned to our escrow account, despite over 6 months passing. As a result, escrow account is underfunded. Caliber subsequently did an escrow analysis ( XX/XX/XXXX ) and determined that escrow account is underfunded, resulting in increased escrow payment to take effect at a later date. Additionally, this resulted in an incorrect XXXX being issues, as it includes both the incorrect payment ( not yet refunded ) and the correct payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a charge off with XXXX that ended XX/XX/2011. The lender is reporting the charge-off every month as a current status known as re-aging which is illegal. Equifax refuses to make the lender comply with the Fair Credit Reporting Act FCRA 623 ( a ) and remove all " CO '' status on credit report after XX/XX/2011. Re-aging causes a negative account to appear more recent. The more recent the charge-off appears to be, the more detrimental to my credit scores. Re-aging also causes an item to stay on my credit report longer which is illegal. The Fair Credit Reporting Act states : " The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. '' I am writing to dispute XXXX on my credit report with Equifax. The amount and current monthly status listed on the account is incorrect. I request the account be deleted immediately for compliance with the Fair Credit Reporting Act and FTC, and Consumer Financial Protection Bureau ( CFPB ) from my Equifax credit report. Both XXXX and XXXX are reporting the account correctly. Please see attached. If you look at the other charge-off accounts you will notice they are not reporting with " CO '' every month. I have highlighted this account and another that is reporting incorrectly. Additionally, I highlighted XXXX, XXXX XXXX XXXX, and a couple of that are reporting correctly so you can see the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Credit card) with Professional Bureau of Collections of Maryland, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My account was sent to Professional Bureau of Collections of Maryland by XXXX XXXX. When the collection agency contacted me I requested for an settlement. After settlement was paid in full Professional Bureau of Collections of Maryland sent back to XXXX XXXX my information stating that the account was paid in full. XXXX XXXX representative stated " they do not show any agreement, although my account started at XXXX, I sill owed XXXX ''. I sent them a copy of the letter that I have from Professional Bureau of Collections of Maryland, stating that my account was paid in full, but I cant get a response from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Bank account or service (Other bank product/service) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (AL).
Issue: Account opening, closing, or management

Complaint: I am a member of hancock\ Whitney bank and I needed a document notarized, upon getting arriving which is a branch I visit daily I asked to have a document notarized the guy who knows me as a every day customer turned to the branch XXXX and asked her was the person there she immediately looked at me and asked are you a customer and I stated " well I do n't know you either '' sarcastically due to her viewing the mutual knowing of a customer she witnessed between me and the teller and she further stated let her check for the guy who has the ability to notarize documents. She went upstairs and came back down and asked me what type of document was it and I asked her why because she 's not a notary and is none of her business, and I told her it does n't make sense for her to get in my business and I still have to wait. she said well sir I will view the document and let him know because we have policies where we can not notarized verbatim on bank time any bank related documents. I told Her okay and allowed her to view and read my document waiting XXXX minutes I noticed a guy walk down stairs and XXXX minutes after that he came up and asked how may I help you, I told him I have a document to be notarized he asked what kind of document do I have because they can not notarize certain documents and the only thing they can notarize is bank related documents. I questioned that and he repeated that they are not allowed to notarize bank related documents. I told him well why did the XXXX get in my business when she knew nothing could be done and had I known this I would 've went to my credit union he apologized and stated is there anything he could do I told him no! I feel like closing my account and walked out. I called another hancock branch to understand the validity of what they stated and a guy on the XXXX XXXX branch by the name of andreu broce answered and told me that the document I had can be notarized as long as it was not a bank document in which my document is not. I hung up with him telling him I 'm on the way and I immediately called the branch on XXXX XXXX demanding answers to why I was made to feel broke and discriminated against in which the XXXX made up all kinds of apologies and now I am at the other branch with a motorized paper from the same bank just a different branch and now I feel I was discriminated against and refused a service that was due to me being a member of hancock\Whitney bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERCC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 08-04-2016 about Debt collection (I do not know) with Venture Financial Services, Inc. (MO).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Employee XXXX called my office using different names and claimed she was a customer of mine to get through the screening process. We are a CRA so all calls are recorded. Did not indicate her true intent.

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 12/17/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I checked my credit report on XX/XX/XXXX and noticed a derogatory mark. the derogatory mark was posted on my report with a total of {$770.00} owed to the telecommunications company XXXX dating back to XX/XX/XXXX. I have never opened a XXXX account in my life, there were two companies listed as collectors for the debt the first company was " XXXX XXXX XXXX ''. I called " XXXX XXXX '' and they stated to me that they no longer handled the debt and that it was returned back to the original creditor " XXXX ''. the second company listed as handling the debt was " XXXX XXXX XXXX '' I contacted them via phone about the debt and was told that XXXX still owns the debt but uses them as a collector on sprints behalf. I told the agent I did not owe the debt and that I never have opened a XXXX account. I was told to contact 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
Consumer complaint received 11-08-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit is calling my unlisted land line at home several times a day. I am on the National DO NOT CALL list. Midland does not leave a message on the answering machine. A few times I picked up the phone and said nothing. After a minute or two, the call disconnects. No one from Midland ever says anything. This started around XXXX/XXXX/15 and continues through today ( XXXX/XXXX/15 ). I do not owe any money or have unpaid bills. A debt collector should not be harassing me like.

Company response to consumer: Closed with explanation