milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Opened a pay day loan in XXXX with XXXX. Had several before and paid them all off when payment was required. The last one I took out in XXXX, I was unable to pay back at the time due to hardship. They sent it to collections and kept transferring it from one collection agency to another. In XXXX, XXXX XXXX XXXX called me and I was finally able to pay it back. They told me they owned the XXXX loan now and we negotiated a settlement in good faith. I sent a certified check in the amound of {$800.00} and it was paid in full and satisfied. Letter attached. Over the years several other companies call me and want to collect on the same exact debt. I fax them the paid in Full letter and they leave me alone. Well, this awful company, Midwest Recovery Systems, LLC, never called or emailed me or anything. They just opened a collection entry on all of my credit reports. I called them immediately very upset and sent them by fax and email the paid in full letter and every time I call them, they say they never received it and I feel this will never get taken care of. Please help. They are scammers and I did pay it off in good faith. These companies just keep selling old debt even if it 's paid in full. I called XXXX this past Monday and they verified with me that this is the same account number that Midwest Recovery Systems is trying to collect on. Please help get rid of these scammers and fraudsters. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have disputed my complaint with Equifax over 30 times and I have sent in numerous paperwork and so has XXXX XXXX and the other creditors and I ca n't get anything back from Equifax they keep sending me a confirmations numbers but yet it won ; t let me look at them online and I have been on the phone with them numerous times and have waited over 2 hours to fix this and the last two times they said their computers were down. XXXX XXXX and XXXX fixed these problems but I ca n't get Equifax to even respond or answer, this is hurting my credit bad because of all the inquires and wrong information, we had our vehicles broken into and they stole everything so we are under Identity fraud and I ca n't get them to help or even tell me anything.I need any help I can get please. Thank you. 

XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 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: Equifax leaked my personal info along with my SSN to unauthorized users.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Consumer Loan (Installment loan) with Credit Card Receivables Fund Incorporated (FL).
Issue: Taking out the loan or lease

Complaint: Unifund can Not validate the lien they put on property

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Received a home modification with Ocwen in 2014 after many rip off schemes by them! Was supposed be XXXX! Taxes and insurance. Since then my mortgage has gone up to XXXX. I can understand the first year it going up but since then my taxes and insurance has only gone up XXXX. Second yr went up to XXXX. Nowlast 2 years saying insurance in XXXX when it clearly states XXXX. So if only my tascholl taxes went up XXXX which is once a year.y am I paying them XXXX more every year. Last 2 years only increase was taxes now wants raise mortgage to XXXX. Y from XXXX when only thing up is tax by XXXX so y do they want XXXX more a month. Trying day insurance going up to XXXX which also stated was last year and they pd out XXXX. So where 's all this extra money going that 's XXXX over last yr from there escrow reason for raisin. They are ripping me off agin. Years ago charged me XXXX said pd my insurance have me insurance I did not need and we had insurance still waiting for that refund filed with XXXX and XXXX never heard or got check promised as others also waiting. Tried numerous times call escrow Dept wo n't return calls. This is a giant rip off company. I need this settled by them ASAP. It 's crazy liers not only XXXX there doing this to. please help

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Medical debt) with Aargon Agency, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Company : Aargon Agency, Nevada Debt Collection In late XX/XX/XXXX, I had several thousand dollars of medical bills accrue due to an accident. It was time consuming and confusing to sort out what was owed and to whom various payments were to be made. 

One day in XX/XX/XXXX, I received a call on my mobile from the above company. ( I can not provide the date as I now have a different phone and phone number. ) Their representative demanded a commitment from me to pay a medical bill. 
I explained that I was at the grocery store, and if he would call me back in a couple of hours, I'd be back home, able to take down the necessary information, and verify that his firm was legitimate, so that arrangements could be made to pay. The representative became rude, told me that he would close my case and report the bill as uncollected. He then hung up on me. 

I didn't hear from him that evening, or from XXXX ever again, nor did I ever receive written notice from XXXX. 

I finally contacted the initial payee, XXXX XXXX directaly and paid the bill. Please see the bank screenshot of this transaction. 

Recently it has come to my attention that XXXX reported the bill on my credit report. 

I filed a dispute with the credit bureau, who contacted XXXX, who refused to act and clear the debt. 

Saturday, I contacted XXXX directly. The representative told me that they did not receive the money ( the original payee did ), so they had to wait for the payee to advise that the bill was paid. I explained that I'd filed a dispute months ago, and asked how long it took for resolution. XXXX told me that it was " my fault '' for paying the original payee rather than them. 

I explained that their initial contact with me was their only contact with me, that I had no way of knowing who they were, and that I'd paid the bill. 

Not only have they not removed the derogatory account on my credit report, but THE DAY THAT I CALLED, THEY BUMPED UP THE CHARGE ON MY ACCOUNT ON TRANSUNION, CAUSING A FURTHER DECREASE IN MY CREDIT SCORE. 

Please help me.

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 12/17/2016 about Debt collection (Federal student loan) with ECMC Group, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A company by the name of ECMC is reporting accounts on my XXXX and XXXX accounts. It seems that they are reporting student loan information. I have never signed a promissory note with any company by the name of ECMC while I was attending college. A few weeks ago I requested to ECMC to validate the debt that they are reporting on my consumer credit files, and they failed to do so. I demand that the company by the name of ECMC immediately deletes all accounts from my XXXX and XXXX credit reports due to their inability to verify and validate that I owe the debt to their company. They fail to produce my signature on documents. I did not sign a contract, promise to pay, or promissory note with a company named ECMC and that is the bottom line.

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 10/28/2017 about Debt collection (I do not know) with Harris & Harris, Ltd. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: a request for a letter explaining what you have done to Inform business where the account was opened, that the debt is the result of identity theft ; Stop collection proceedings against me ; Stop reporting information about the debt to credit reporting companies ; and to provide me with the records was made to the above named Corporate Entity on the date of XXXX XXXX, XXXX XXXX Exhibit A - XXXX Certified mail # XXXX XXXX XXXX XXXX XXXX XXXX and the Corporate Entity and Fiduciary failed to produce based on " failure of consideration '', " fraud '' or " mistake '' : In failing to provide such XXXX XXXX XXXX XXXX Harris & Harris, LtdXXXX and all agents have shown bad faith and default in their lawful duty of record to legally verify THE ALLEGED DEBT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: While in school, my XXXX loan was taken out of deferment due to a miscommunication between my school and servicer. It took several phone calls and emails to correct the situation with XXXX. Now, approximately three months later, I 've just received a past due notice on a XXXX loan that should n't even be in repayment yet - I graduated four weeks ago and have a six month grace period. Nevertheless, XXXX has sent me this notice and has yet to respond to my email that was sent on XX/XX/2016 addressing this error. As it was a very complicated and drawn-out procedure last time I tried to work with XXXX, I 've chosen to escalate this situation to the CFPB.

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
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX Inquired because someone is trying to use my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Himy name is XXXX XXXX XXXXI have a problem some one used my information to order phone 's and to get credit card online form the bank 's ... I have XXXX opened accountsI do n't no who opened ..please can you help meI have a prove for the stautoin the prove issince XXXX/XXXX/2012 until nowI 'm not in America. I XXXX out since 2012. Please I need help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2015 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (MN).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX my mortgage was sold by XXXX ( XXXX ) to Caliber Home Loans. I had been working with XXXX to catch up with a couple of missed payments ( in XXXX ) when ( also in XXXX ), the mortgage was sold to Caliber. In XXXX, I caught up on my payments and brought the loan current. In late XXXX, Caliber began to claim that when they purchased the loan from XXXX, there were unpaid property taxes and several months of missed mortgage payments due. I strongly argued that I did NOT owe anything else and provided proof on multiple occasions. See the plethora of attachments for complete history. Caliber would not accept what I kept telling them as truth and in early XX/XX/XXXX began returning my mortgage payments with notes that I owed more than the monthly payment. I have now been served with a foreclosure notice and am in desperate need of assistance. I am at a loss of how to proceed. The toll this situation has taken on me personally and financially is immeasurable. I ca n't sleep. I have been communicating with Caliber for months with promises they would make things right, but I can not get anyone to " hear '' me or respond to my multiple fax and fed ex package delivery of proof. The documentation is attached as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: well this is XXXX XXXX complaining about ocwen so I am very sure you know whats happening. and I want to let you know that ocwen just informed me this evening of an in house offer and this is what they said. we will take your interest rate to 2.0018 from 5 %. a house payment of XXXX a month. ( mind you our payments were XXXX a month when we started asking for help in 2011 ) and a net present value of our home at XXXX, and a market value of XXXX, with a principle balance of XXXX so our home is at present worth XXXX or XXXX and they are collecting XXXX with a very nice balloon payment of approx.XXXX at end of term. another helping homeowners is what we do, good deal from ocwen, right? ok, let me also say they have not even tried to ask our investor, XXXX XXXX for a principle reduction. you would think after all the XXXX they have put my family through they would at least ask .... they have our income at XXXX a month and want us to pay XXXX a month. then we have XXXX a month in child support, a XXXX yr old to support, groceries, electric, and so on ... .. there is something wrong here ....

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Placed account on crefit report for XXXX. I have contacted att to verify debt. I am a current customer and have XXXX debt with the company. The collection was placed on my XXXX and XXXX report. The company calls about XXXX times a day from multiple numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: I have recently sent in a request to Equifax to investigate a fraud issue, however the account that is no longer supposed to be on my report is ( XXXX XXXX XXXX ). This account is showing as reported/ active as a credit card by Equifax which is incorrect. 

Moreover, XXXX has the fraudulent company ( XXXX ) also still showing on my report as a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Bank account or service (Savings account) with BMO HARRIS BANK NATIONAL ASSOCIATION (DC).
Issue: Account opening, closing, or management

Complaint: I had an account for around {$1000.00} at XXXX at the XXXX, Wisconsin branch before that bank was purchased by BMO Harris bank. I was unaware that the bank was being purchased, and I was living abroad for several years before learning about the purchase. I then contacted BMO Harris bank to retrieve my money, and they have told me that they have no records of this account. They instructed me to contact the office of unclaimed property in the state of Wisconsin, which I did. They had no records of this account either. I have a banking statement of the account in question from XX/XX/XXXX, but BMO Harris refuses to honor this issue. Please advise.

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 02/25/2017 about Credit reporting () with Credit Karma, Inc. (OK).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Any time I try to acquire my credit report from any agency or company, they are unable to " verify my identity. '' I have had a credit card for over eight years now, and any time I try to check my score, I get the same response from every single company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I lost my income in XX/XX/XXXX and fell behind in my mortgage payments. Bank of America sent me packets for loan modification and before I sent a completed one in, I called them and they advised me not to send it in and that they were sending an updated one to me. Instead, I started receiving foreclosure information. I gained employment in XX/XX/XXXX and resumed my mortgage payments. I was able to stop the foreclosure by sending Bank of America all required documentation for a modification. Each time, my requests have been denied. I have continued for 7 years now to apply for a loan modification. I was told in XX/XX/XXXX by an agent with XXXX XXXX XXXX that they are the facilitators of the loan and that XXXX XXXX  actually owns the loan. I was told that XXXX XXXX does not do loan modifications. Can you please help me with this? 
My mother, XXXX XXXX XXXX, is on the loan with me. She is XXXX and has XXXX. She is no longer living with me. I have durable power of attorney for her affairs. 
I have 7 years of documentation and am able to provide any that you need.

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 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Choice Recovery, Inc. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I requested validation of a debt I do not believe is mine from Choice Recovery Inc. I was never sent proper validation and I believe this negative mark is false and damaging my 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 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I submitted disputes to XXXX - XXXX XXXX and Experian - Neither times did I receive any results except for the standard letters that say its valid and verified. That is not what I had requested be sent to me - I asked for verifiable proof that the accounts I am disputed were 100 % legitimately my accounts and to send proof that they were or delete them immediately from the reports I have filed the disputes with. Not one time was this done and I was it to be fixed immediately as it is hurting my credit report. As a consumer it is my right to fix in-correct items on my credit file. As an agency it is their job to fulfill my request as stated!

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 11-06-2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: non stop calling even after telling the company that a check was sent. Also, makes threats to my co-borrower who is now an elder and on a fixed income

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: On my recent trip overseas I purchased a large appliance at an XXXX XXXX. Since I did not received the merchandise by the delivery date set forth by that store, I proceed it to e-mail them to cancel the order and requested a refund to my credit card charge. That XXXX did not replied to my e-mail nor answered my repeated calls. 

Immediately after, I called my Credit Card issuer a notify them about the issue and, within few days they reversed the charge. XXXX weeks later, they reapplied the charge stating that the XXXX in question produced a signed receipt of me. 

I requested from the Credit Card issuer an email documentation because I am still overseas and, therefore, do not have access to the document 's hard copies that they have mailed me. They refused to do so. 

However, I emailed the Credit Card issuer the chat transcripts and email documentation with the XXXX where it is outlined my several request to have the merchandise delivered and my final requested e-mail canceling the purchase. In addition, I submitted my XXXX Passport for signature comparison purposes. 

I am concern as to what my future options are, should the Credit Card issuer fails to recognized that I had been duped and does not remove that fraudulent charge form my account. 

For whatever is worth, I am holding an excellent credit rating for about XXXX years.

Company response to consumer: Closed with explanation