milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2017 about Debt collection (Medical debt) with NRA Group, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: At some point within the last month, prior to XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX regarding an alleged debt owed to XXXX XXXX. I advised them during this first call that I had always paid my dental co pays at the time service was rendered and had insurance. I disputed that I owed any money. On XX/XX/XXXX, I received another phone call from XXXX XXXX XXXX advising them that I had an attorney but they abruptly hung up before I could provide the information. On XX/XX/XXXX, XXXX XXXX XXXX called me again in violation of the FDCPA after having notice that I was represented by counsel. I advised them of my attorneys ' name, phone number, address, and bar number. This company is attempting to collect an illegitimate debt and their phone calls also amount to harassment because they willfully avoiding obtaining my attorney 's contact information so that they could continue to harassment. They are now liable for statutory violations of {$1000.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed several things on my XXXX credit report and I am trying to make sure that they are removed from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Consumer Loan (Vehicle loan) with Global Lending Services LLC (OH).
Issue: Managing the loan or lease

Complaint: I purchased a Chevrolet Cruze LT from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX ( XXXX ) XXXX on XX/XX/XXXX ( my credit score was XXXX ). They directed me to Global Lending Services for the loan ( I had previously been with XXXX XXXX@4.9 % ). Since the purchase, I have had nothing but trouble. I had to cancel a {$1500.00} ( extra ) warranty that the dealership had told me I should buy. My last statement shows a repossession fee of {$100.00} added to my bill ( my car has not been repossessed ). In XX/XX/XXXX I made a payment of {$XXXX} payment to catch up ; however, I requested a payment history summary from Global, and, the payment history shows I was credited with paying only {$XXXX}. At the beginning of the loan the pay-off was {$XXXX}. During the past year, I have made over {$7000.00} in payments, but my pay-off is still well over {$20000.00}. Global refuses to allow me to change my payment due date ( I have requested a new due date XXXX to help me make my payments on time ). I need help from somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I went to Experian.com to obtain my free annual credit report. I was charged {$1.00} for the credit report. I paid what I believed was {$1.00} fee. I assumed it was the current  rate for an online one tim e review of annual credit report. I used a card that I exclusively use for managing miscellaneous expenses. On,  XXXX   XXXX ,  2017 , Experia n *CreditRep______CA c harged my accou nt ( {$23.00} ) which left my account with a balance of {$0.00}. I contacted the company twice to rectify the matter. The only option they gave was cancellation of the membership that I did not sign up for. During my 2nd call, the gentleman told me by paying the {$1.00}, I was paying for a trial membership and the trial membership expired ; therefore, he can not refund the money Experian withdrew from my account and refuse t o refund despite my plea to assist.

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 01-06-2017 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I 've had Beneficial Finance out of XXXX FL, servicing as my mortgage company for several years, as far back as XXXX. Most recently in the past 2 years the representatives of their company have been standoffish and or short from rude, anytime l or my wife had to personally contact them for assistance concerning our loan, for mostly payment matters. Some of those matters arose shortly after unfortunately having to File for Bankruptcy in XXXX, due to loss of a job. However they were excluded in the bankruptcy papers at our lawyer suggestion. Actually that 's when we first noticed the changes in customer service attitudes anytime we contacted the them. Whether they 've flagged the account or what, it feels like something once they bring up the account something brings on an unenthusiastic voice from their representative, on my end of the phone. Most matters in contacting them concern payments over their website, which is the way l choose to make payments and have from the time it originally came in exexistence. After closing actual stores. l used to go in and make payments actually and was for the most part of why l chose to do business, they were locally or so l thought back then. But over time, from out sourcing customer service overseas and one could barely understand their accents and then long distance at that, not saying they were n't intelligent people because after all they were handling my exchanges of money to the mortgage account. The longer l 've been dealing with this company for years now, l 've come to a parting to refinance through another lender and it 's getting worse, l feel as though these are predatory lending practices. And feel somebody needs to look into their matters if they are n't already, before someone like myself end up with similar situation. Beneficial most recently has moved our account into their bankruptcy division, prohibited me from their website, failed to proceed applying my payment to the account for XXXX, now saying it is short even though it was the same amount as previous paid, no followup letter stating it was short of funds, possibly trying to ruin the ability of me to get another mortgage loan. I do n't know but it is what l feel is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Whom it May Concern :  XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX    XXXX   XXXX     XXXX   XXXX , GA  XXXX  TransUnion, LLC   XXXX   XXXX    XXXX   XXXX , PA  XXXX  PLEASE UPDATE MY PHONE :  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       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  Credit Union Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  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 08/14/2015 about Payday loan () with Cornerstone Mitigation (FL).
Issue: Charged fees or interest I didn't expect

Complaint: Calling me at work for {$1000.00} in fees

Company response to consumer: Untimely response
Consumer complaint received 03/29/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: MY MORTGAGE WAS BEHIND APPX {$5300.00}. I SENT GREEN TREE SERVICER {$5000.00} IN THE FORM OF AN ONLINE CHECK. MY BANK RECORDS REVEALED THAT MY CHECK WAS CASHED XX/XX/XXXX. THE BANK DENIED EVER HAVING THE CHECK AND CASHING THE CHECK. I SPOKE TO MANY, MANY SUPERVISORS AND MANAGERS IN THE COLLECTIONS DEPT REQUESTING TO RECIEVE MY CHECK BACK BECAUSE I WAS TOLD THAT I WAS IN FORECLOSURE AND THEY COULDNOT ACCEPT THE CHECK. AFTER BEING IGNORED BY EVERONE I SPOKE TO ... .. I REALIZED THE ONLY OPTION I HAD WAS TO SEND THE BANK THE ADDITIONAL FUNDS TO BRING MY ACCOUNT CURRENT. THOSE FUNDS WERE IMMEDIATELY RETURNED TO ME FOR PARTIAL PAYMENT. XXXX OF THOSE CHECKS WERE SENT TO THEM THE EXACT SAME WAY AS THE {$5000.00} CHECK THAT I SENT SO I WAS CONFUSED AS TO WHY THEY COULD SEND THOSE FUNDS BACK SO SOON BUT NOT THE {$5000.00} PAYMENT I SENT. I DIDNOT RECEIVE MY CHECK BACK FROM THE BANK UNTIL THE END OF XX/XX/XXXX ( ALMOST TWO MONTHS ). BY THAT TIME I WAS CHARGED / ACCRUED PENALTYS AND LAWYER FEES THAT WERE ASTRONOMICAL AND TOTALLY UNCALLED FOR ( AS MY PAYMENT HISTORY REVEALS I TRIED TO BRING MY ACCOUNT CURRENT MONTHS BEFORE.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (I do not know) with American Credit Resolution, Incorporated (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This company calls me repeatedly at home and at work, and has contacted family and friends about a debt they refuse to validate. When they call, they refuse to give names, or to even tell me the full name of their company. They send me threatening text messages.I have asked them to stop contacting me by phone several times.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (I do not know) with CURO Intermediate Holdings (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A debt appeared on my credit report that was/is not mine. I contacted the collection firm and informed them it was not mine, but my statement had no effect.

Company response to consumer: Closed
Consumer complaint received 11-07-2017 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (MS).
Issue: Closing on a mortgage

Complaint: Previous complaint numbers XXXX and XXXX against Chase Mortgage, XXXX Office, XXXX XXXX XXXX, XXXX, OH XXXX. The second response states that on XXXX XXXX, XXXX I was approved for a short sale through XXXX XXXX, XXXX ; however neither me nor my realtor were informed of am expiration date adsociated with the approval. This was not communicated to my either of us until after the escalations and complaints. The response also states that on XXXX XXXX, XXXX, my realtor was informed that my file wad being assigned to a specialty team that handles military files. This is a lie. At no point did Chase inform me or my realtor that my file was being assigned to a " specialty team '' of any sort, specifically a team that specializes in assisting the military. With that, why would my file bw assigned to a specialty team AFTER the experiation of the short sale? Chase also failed to follow up with my realtor in a timely manner further contributing to the loss of my buyer. Chase. On numerous occassions, my realtor used XXXX system to request a call back or follow up on corrections that were submitted. This never happened. Instead, Chase mailed letters to my residence in XXXX and subsequently XXXX XXXX. These letters were received 7-10 after an information request. Throughout the duration in this process, Chase did not conduct any inspections on the property ; however, Chase erroneously reported that although vacant, my property was not being maintained and did not have electricity. This happened on several occassions. As a result of this, both my realtor and I had to call Chase to inform them that although the property was vacant, it was maintained with electricity and lawncare. My realtor inquired as to who and when the inspections from Chase occurred since this type of inspection required someone to physically go into the home. To date, Chase has not provided the name or dates of those inspections. As a result of this erroneous information reported by Chase, my home issurer at the time XXXX elected not to renew my homeowners issurance upon expiration. I am still trying to find a local insurance company at this time. The hardships caused by Chase mortgage is indescribable. Because of the military, I have relocated twice since begining this short sale process ; however Chase mortgage refuses to accept any responsible for the hardships caused to me and my family as well as that of a potential XXXX homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Student loan (Non-federal student loan) with Williams & Fudge, Inc (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had a private student loan issued by XXXX XXXX XXXX in about XXXX to attend XXXX XXXX University in XXXX, MD. After graduating from college I had some difficulty repaying that loan and in turn XXXX sold the loan to a collection agency. Once the loan went into collections I made arrangements with the debt collector and have been making on time payment in full as scheduled. My complaint is that these payments are not being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Medical) with ERC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: XXXX. I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of Identity Theft and have submitted all proper documentation required by Experian in order to prove my case. Police Report, FTC Identity Theft Report, Legal Notice and personal ID and according to the Fair and Accurate Transaction Act of XX/XX/2003 requires that bureaus block and delete any information that was the result of Identity Theft FACT section XXXX FCRA Section XXXX. Furthermore, in XXXX ( My home State ) If you are a victim of Identity theft ( as defined in section XXXX of the XXXX ) section XXXX of the california XXXX XXXX gives you the right to BLOCK reporting by consumer reporting agencies of information that appears in your credit report as a result of the Identity Theft. So please comply and remove those fraudlent accounts immediately listed in the FTC ID Theft Report enclosed.

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 05-05-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: I received a letter of foreclosure in XX/XX/XXXX from ASC ( Wells Fargo ) the reason I was in default is because : my Husband and I were laid off due to the recession of the country. I immediately apply for a loan modification but was denied. Then we failed for a Bankruptcy in XX/XX/XXXX but was dismissed. We have try numerous ways to get this loan Modification for the pass six years and no progress has been made. 
I am Frustrated to hear the same story about it going through a process for almost 6 years and I still having received help from Wells Fargo Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Medical) with Franklin Collection Service, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: While attempting to refinance my home recently, there was a debt collection in the amount of {$42.00} on my credit report which disqualified me for a mortgage refinance. The debt was reported by Franklin Collection Service, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX. Phone : XXXX. XXXX : XXXX. I called them and asked them what this bill was for and why it was reported as a collection, They stated that it was for a medical co-payment bill from two years ago. I stated that I was not notified of this bill or notified that it was even turned over to collections and paid the outstanding balance of {$42.00} plus a {$15.00} service fee. I was told that the collection would be removed from my credit file, which is has not. According to the FDCPA, I was not notified that I even had a bill, and the bill was reported to all XXXX credit bureau 's without my ability to confirm its validity or refute it if was not a valid debt. The debt collector violated 15 USC 1962e Sec 807 as there was no communication by the collection agent prior to reporting the collection on my credit report. They were also in violation of 15 USC 1992f sec 808 for collecting a {$15.00} processing fee above the principle amount of {$42.00} owed. And they also violated sec 809-validation of the debt in 809 ( 1 ), ( 2 ), ( 3 ), and ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Auto debt) with HYUNDAI CAPITAL AMERICA (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: We had leased a XXXX XXXX and we returned it on XXXX XXXX, XXXX to the dealer as lease had ended. 
On XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX indicating that we owe {$210.00} in taxes for same car for the period of XXXX XXXX to XXXX XXXX. 
We contacted XXXX and explained that we returned the car previous year and that we should not owe any money. XXXX Said that they would investigate further and then 13 days later on XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX, a collection company, they said that we must show a return receipt from XXXX dealer for the car, which we did. we also sent a receipt from XXXX County indicating that they will credit the amount of {$210.00} to XXXX for the XXXX car taxes. We also received letter from XXXX County indicating that XXXX finance owe us {$51.00} for the car taxes from XXXX to XXXX XXXX. 
After repeated calls from XXXX the Supervisor told  us " Good luck " if you do n't pay. 
Attached all documents

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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: I have discovered that my information has been compromised by the recent Equifax identity information leak.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Mortgage (FHA mortgage) with Premia Mortgage, LLC (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XXXX XXXX, I made an offer on a home and contacted Premia Relocation Mortgage, a lender participating in my company 's relocation program, to lock in a rate and begin the loan processing. The broker began to contact me with requests for documents and I provided tax returns, IRS transcripts, proof of all income and other documents. Premia ran my three credit reports two different times - once to provide the prequalification in XXXX then again during the loan process in XXXX. Premia began to dissect my tax returns and asking for explanations of deductions and notifying they me they decided to reduce my income based on deductions in my tax returns. Then, Premia asked me about prior addresses and wanted explanations of why I did n't live there anymore. 
From credit reporting, I had an account in dispute - the creditor placed a note for credit bureaus explaining a late payment made by the accountant at a firm who handles some of my business in an effort to offset any penalty for consumer behavior. Premia wanted this removed from my reports so that my credit score would drop. Premia then ran another credit report ( 3 total within a 30 day period ). Finally, this week Premia sent me a new disclosure agreement electronically. The new disclosure established a higher interest rate and new terms. We previously had a rate lock in place and a disclosure along with all financial statements, records, reports, etc. Premia removed all records of the prior contract from the shared library of a website used to exchange documents.
I have purchased and sold numerous properties ( 6 ) and currently have two active mortgages from a rental property I own and my prior home that I am selling, I am not unfamiliar with the loan process. However, I am appalled by this behavior. I am a single professional woman, my children are adults and I was recently promoted to an XXXX XXXX for which I relocated.
In summary, Premia is in breach of a contract both implied and stated regarding a rate lock, performed an unauthorized background check, manipulated the credit reporting bureaus in an effort to alter scoring and dissuade my pursuit of other lenders, and dismissed documentation ( XXXX, pay stubs ) then requested credit card statements. The most recent request was for me to insist that two of my banks change the monthly statements. This type of behavior is beyond unprofessional and skirts legality. It 's certainly not within the guidelines of the fair credit reporting or other policies.

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 10-08-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian received a letter from me in XXXX questioning accounts I feel are inaccurate on my credit report. They never responded to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief