milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, 2017, I mailed requests to all three Credit Reporting Agencies demanding documentation verifying the accuracy of multiple items reported on my credit files with each agency, pursuant to Section 609 [ 15 U.S.C 1681g ], or the Fair Credit Reporting Act.The allotted time frame has elapsed for the companies to respond to my demand, either handling it as a standard dispute, or failing to respond at all, depending on which agency. These are nothing but stall tactics which I specifically warned each agency would not be tolerated. I have attached documentation showing my initial demand for verification. Any failure by each agency beyond this point will result in me forwarding all related documents to my State Attorney General.

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 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from National Credit Services indicating they collecting on an old debt from a former apartment complex. I sent in writing a letter disputing the debt and the amount owed. The next communication I received from them was a letter stating I failed to setup and arrangement or respond and they were getting ready to report to the credit bureau ( dated XXXX XXXX ). After receiving the letter on XXXX XXXX I called to inquire about my dispute. The agent was very rude stating they verified with the apartment complex and it was valid. He told me a letter was sent XXXX XXXX. I told him I only received the XXXX XXXX letter with no mention of a dispute, letter, or bill. He stated they did n't have to send it and continued to try to collect the debt. I requested a supervisor who also stated they sent it, I was on a recorded line and they had me on tape saying I received it. I again stated I had not received a statement or acknowledgement of the dispute and I believed they could not report until they acknowledged my dispute and validated the debt. He told me they would report me over the weekend of XXXX XXXX if I did not make a payment, he offered to set up a payment plan then stated he would send me bill from the creditor after I did so. I setup a payment to receive a copy of the bill and save my credit score. I do not believe this company followed the law because they did not send me verification of the debt, prior to continuing collection efforts. To date I have n't still have n't received a copy of the bill which they allege they initially sent on XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Vengroff Williams, Inc (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A truck was rented and stolen from XXXX by an individual that used my credit card and impersonated me over the phone. There is an active arrest warrant for this person. XXXX advised me to call my credit card company, XXXX Bank, and dispute this transaction. XXXX XXXX investigated and credited the resulting charges back to me. I was verbally informed by XXXX loss mitigation that I had no outstanding balance. This was in XXXX of 2014. This year I have been contacted by a collection agency and was advised that XXXX is trying to collect the fraudulent charges from me. I called XXXX and they were no help and told me that the charges were my responsibility even though they were fraudulent. The total amount they are trying to collect is {$1200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Showing as XXXX collections - XXXX XXXX XXXX, XXXX, and XXXX under XXXX servces - XXXX lending solutions, and XXXX these are not my accounts I asked Transunion to verify they stated they did but it it not possible because I never had accounts with them before.

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 09/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine, for XXXX XXXX. I 've already had it removed from my credit reports, by filing complaints with all XXXX credit bureaus, sending a completed Fraud Handling Packet thru XXXX, as requested, to include a notarized Statement of Dispute, Police Report, Proof of Lease at the time this account was created. Got Identify theft alerts added to all XXXX credit reports, purchased XXXX XXXX for myself and my XXXX sons. After getting countless phone numbers, last name, and addresses removed from my credit reports that did not belong to me, this XXXX account has ended up back on my credit reports XXXX XXXX, XXXX ( {$1000.00} ), thru the same collection agency that it was removed from back in XXXX XXXX. Enhanced Recovery Corp. XXXX even had the audacity to send a letter to me questioning XXXX accounts from XXXX and XXXX, after proving this account from XXXX is not mine, the account that started this whole credit disaster. I had proved this account was not mine and although the other XXXX accounts they 're claiming to be mine from XXXX and XXXX, they 're outside of the statute of limitations. The accounts are not mine and should not be in question. My next move is to seek help thru an attorney if this can not be resolved for good.

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 10/25/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I purchased a home XX/XX/XXXX. We made payments until we experienced financial hardship. We contacted the bank and sought a modification. The bank gave us a trial modification requiring that we make three payments in the amount of approximately {$2000.00}. We felt that this amount was a take it or leave it agreement and was setting us up for failure. This amount was more than we could afford, nevertheless, we made two payments under the trial modification. However, before the third payment, my husband passed in XX/XX/XXXX. I then sought to may arrangements with the bank, based on his death and further change in my financial circumstances. Despite my efforts the bank refuses to work with me. They will not talk to me. Instead, they filed a foreclosure case against me on XX/XX/XXXX in the XXXX county courts. I am XXXX years old. I am on a fixed income, and do not want to lose my home. Now it seems like they have transferred my loan to XXXX XXXX XXXX. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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 purchased a car back in  XXXX  and it was financed through  XXXX   XXXX   XXXX . The car was a piece of junk and the interest was more than what the dealership disclosed to me. I voluntarily forfeited the car in  XXXX  and paid more than what the car was listed for on the blue book. My credit report with   XXXX   and TransUnion are showing duplicated charge offs for this same account that I voluntarily surrendered the car to. I was told that it would not happen. And it is my understanding that when you voluntarily surrender a car and they came and picked it up that they can not show the balance on my credit reports. The balance appears on all of my credit reports and it appears at least  XXXX  times on each. I have asked the bureas to correct this and remove this information and they have not. I would like to have this resolved it has effected so many aspects of my life and it is my right to have proper information reported on my credit reports.

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 12/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Received a letter dated XXXX/XXXX/2015 from Select Portfolio Servicing ( SPS ) stating they received and reviewed a request for loss mitigation assistance and that my account is ineligible for such assistance because a foreclosure sale is set to occur in the next 7 days. 
This is erroneous for several reasons. First, XXXX XXXX XXXX XXXX office ( XXXX XXXX XXXX is the contact ), has been exclusively communicating on my behalf with SPS since approximately XX/XX/XXXX 2015. Second, I nor XXXX Office has submitted a request for loss mitigation assistance to SPS on my behalf. Third, if in fact there was a loss mitigation request sent to SPS, it would have been received by SPS prior to 7 days before the XXXX XXXX scheduled foreclosure date. Last and most important is the fact that numerous correspondence has been sent to SPS over a long period of time attempting to resolve their assertion that they have the authority to service my loan, who owns my loan, that my loan is in default, the absence of missing payments, the delay in posting payments to my account, inaccurate interest rates charges, excessive extraneous charges, forced placed insurance and Up Front Fees ( UFFs ) charged numerous times for loan modification and forbearance requests that were erroneously denied for bogus reasons. 

Further, SPS refuses to respond to my specific questions regarding the validity of my home loan and their authority to service the loan as requested by a Qualified Written Statement ( QWR ) and in accordance with RESPA and Section XXXX ( f ) of the Truth-in-Lending Act, XXXX U.S.C. Section XXXX ( f ) ( XXXX ), which asked SPS provide me with the name, address, and Telephone number of the owner of the Promissory Note signed by me and secured by the deed of trust in my mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (Conventional fixed mortgage) with GUILD MORTGAGE COMPANY (OR).
Issue: Application, originator, mortgage broker

Complaint: XXXX/XXXX/14 : We first contacted XXXX XXXX ( XXXX XXXX, XXXX XXXX ) to broker a mortgage on a property we were considering. He quoted an available mortgage rate of 4.625 % but said it changed rapidly and our actual rate would depend on the market when we closed. 

XXXX/XXXX/14 : We identified a XXXX property when the XXXX one fell through. XXXX repeated his statement about rates. Currently 4.625 % but they would change based on the market when we close. Escrow opened. 

XXXX/XXXX/14 : We were scheduled to close in a week but the bank appraisal had not occurred. We were very concerned that that would give the sellers an out. XXXX had locked us into the 4.625 % rate, which he had quoted almost two months before, despite lower prevailing market rates. When asked if the rate could be adjusted since the lock was expiring due to repair issues on the house, XXXX 's response was " No, since it has gone to escrow ''. This was a deliberate attempt to mislead us since escrow had been opened a month earlier. He also claimed we had given him a " verbal '' lock at 4.625 %. We did no such thing. Rate locks must be in writing according to Oregon Revised Statutes and no such document had been signed by us. When pressed on the matter, XXXX said he was going to pull the appraiser ( which would have caused us to lose the house ) and hung up on me. 

XXXX/XXXX/14 : I was compelled to contact XXXX XXXX ( XXXX XXXX ), Branch Manager at XXXX XXXX XXXX re : XXXX 's angry response and threats to pull the appraiser from the site. His response was that he thinks we " have been treated fairly ''. 

XXXX/XXXX/14 : With the choice of either losing the house we love or accepting the terms forced on us by XXXX XXXX, we close on the house. The higher interest rate will cost us more than {$5000.00} over the life of the loan. More to the point, we felt manipulated, lied to and bullied by XXXX XXXX. His behavior was reviewed and supported by his manager, XXXX XXXX. 

COMPLAINT SUMMARY : XXXX XXXX was deliberately not forthcoming with accurate market rate information at his disposal. He locked clients into higher than market rates in order to benefit himself and his company. This is predatory lending. 
XXXX XXXX bullied clients into compliance by threatening to cancel a key process in the buying procedure in order to complete his self-serving transaction. 
XXXX XXXX lied about the loan closing process by claiming a loan has gone to escrow when escrow had been opened for a month. This facilitated his manipulation of the closing process to his benefit. 
Rather than representing the highest industry standards of the home mortgage industry, XXXX XXXX represents the lowest social standards of being a common bully, prevaricator and exploiter. The public needs to be warned about him. 
By endorsing XXXX XXXX 's behavior, XXXX XXXX was at the most culpable in behavior that enriched his firm and at the least negligent in his supervision of a rogue employee.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (Medical) with Med-1 Solutions, LLC (LA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: This is the XXXX company that has done this. Both were collecting for XXXX. 
I answered the phone, said that I was myself and the caller asked me for my date of birth. She called me. Her caller ID did n't say Med-1, even if it did that 's no guarantee. I have no idea if Med-1 is legitimate, only that I get statements from them purporting to be collecting for XXXX. I get many collection contacts for XXXX, I have no way of knowing if any are legitimate. 
It is completely inappropriate for a debt collector to request my personal information and opens the door for multitudes of phishing scams if it is legal. I suspect this is not allowed but I am not sure. It should be illegal for a bona fide debt collector to request any of my personal information. 

The caller called at approximately XXXX Central time to my Louisiana number. Date XX/XX/2016. She called from XXXX saying they were from MED-1 Solutions. 
Thank you. 
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 10-11-2016 about Mortgage (FHA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX 2016. Franklin America Mortgage deducted {$220.00} for a payment to Hazard Insurance. However, this had just been paid on XXXX XXXX, 2016. I made the first call to Franklin American on XXXX/XXXX/2016 and was told that a check was sent to my insurance company but the insurance company rejected it several times and they ( FAM ) would adjust my account within a week. I also asked for an insurance bill. 
I called them again on XXXX because the amount was not refunded to my account and was told basically the same story by different reps on calls made XXXX, XXXX, XXXX. 
On XXXX XXXX I decided to stop calling and start getting things in writing from the Franklin American. Below is a summary of the different stories I 'm being told. 
XXXX - FAM response : A check will be mailed to me directly by the insurance company. 
XXXX - My response : When will the payment be mailed to me? What is the name of the insurance company, phone number etc. 
XXXX - FAM response : My insurance XXXX XXXX from the XXXX XXXX XXXX submitted a request to have the premium refunded on XXXX XXXX, 2016. He can be reached at XXXX. 
XXXX Called XXXX to check the status and XXXX said he did n't know anything about this but to provide him an invoice or an account number from the insurance company and he would ask for the refund. 
XXXX - I emailed FAM asking for the refund. 
XXXX - FAM response : According to our records, our insurance department is awaiting the refund to be applied back to our escrow account. 
XXXX - My response - This is not correct. I need a copy of the insurance invoice Franklin American Mortgage received and paid. This seems like fraud. I have asked several times for this invoice and I get a different story every time. 
Another problem is that my loan is being take over by another company as of XXXX and FAM has not corrected this issue. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX bill was NO longer in my name, when it went to collections. I took my name off the account 4 weeks after account/line was opened. Myself and the primary account holder completed a change of liability at the XXXX store.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have received notices that my bill was due via email. My card was then declined at a point of purchase so I check online to see status. It showed bill was not due until XX/XX/17 - however I assumed there was perhaps a past due balance. The website would not allow me to view any of my statements in order for me to verify the past due balance. As I am on " paperless '' statements - I can only access the details of my invoices online - and for a period of 1 week that was unavailable. I reached out directly to XXXX ( XXXX ). They advised me that since I had a past due balance, I could not view the details of any statement. They then advised they could snail mail me a copy but it would take 7-10 business days. They assured me no more late fees would incur- however they would not assure me that adverse action could be taken against my credit due to the lateness as I awaited the bill. As I did not want to take that chance, I paid my balance in full - not fully knowing exactly what I was paying - and closed my account. However, as a consumer I have a right to have my debts detailed.

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 02-10-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I HAVE BEEN SENT A LETTER IN THE MAIL FOR A DEBT of {$38.00} IN WHICH I DO NOT OWE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (Medical debt) with Aargon Agency, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: OnXX/XX/XXXX, I requested that Aargon Collection Agency validate debts reported on my credit report. The accounts are for {$750.00}, {$200.00}, and {$200.00}. As of today, XX/XX/XXXX, Aargon  Collection Agency has yet to verify these debts and is still reporting these debts to credit bureaus. I never received notice of these debts prior to them being reported to credit bureaus. I have no knowledge of these accounts.

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 04/13/2016 about Debt collection (Payday loan) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: On XXXX/XXXX/XXXX I mailed Cease and Desist letter to Regional Finance as I am no longer able to make monthly payments. The calls stopped for a couple of months, but Regional began calling again in XXXX XXXX XXXX to three times a week sometimes twice a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Below is a copy/paste of the email I sent to EQUIFAX Three days ago I tried to login to the system and was told my password was wrong. 
I requested a reset from your site twice and never got the email? 
I then emailed you for assistance and never got a reply. 

For two days your phone number XXXX was ringing busy. 
Today i got thru and sat on hold for a full hour with no answer. 

For three days now the website has been posting this error System Unavailable We are unable to process your request at this time. Please try again soon. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation