milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2017 about Mortgage (FHA mortgage) with Frontline Financial, LLC (FL).
Issue: Credit decision / Underwriting

Complaint: In  XXXX   XXXX , Frontline Financial , LLC pre-qualified me for an FHA loan. I had previously spoken to another mortgage broker who told me I would be unable to use rental income from my current condominium, but  XXXX   XXXX  assured me that they would be able to include this. I asked him to check on this, and was under the impression that this had been done.  <P/> When I found a house in  XXXX   XXXX , Frontline Financial , LLC provided a pre-approval letter to accompany my offer. My offer was accepted, and a closing date was set for  XXXX / XXXX / XXXX . During the period from  XXXX  through  XXXX / XXXX / XXXX , I continued the buying process, obtaining the appraisal and an inspection, as well as an insurance quote and home warranty, all while receiving updated loan documents from Frontline Financial , LLC with every new piece of verified information, and the assurance that all was fine, and we should be able to close by the scheduled date.  <P/> My deadline for withdrawing from the contract was  XXXX  days prior to closing, as clearly stated in my contract, which Frontline Financial , LLC had been provided a copy of when the offer was accepted. However, it was not until the day of closing -   XXXX   that Frontline Financial , LLC verified whether or not I actually met all requirements the FHA loan. At this time, they found that in order to use the rental income from the home one is moving out of, one must move at least  XXXX  miles. The new property is only  XXXX  miles from my current home. With this information, they denied my application for a loan. Clearly as a lender, they should know all requirements for the loans they propose to clients, and not wait until last minute to check if there are any changes. Their error in this instance caused me not only to lose the property, but also portions of my deposit, in addition to spending unnecessary monies on an inspection and appraisal of a property I could not afford without an FHA loan.   I notified Frontline Financial , LLC of my loss of portions of the deposit due to their error, and have requested reimbursement of the funds lost ; however, they have chosen to not take any responsibility, and is now stating their decision was based on my credit, which they clearly should have been aware of before presenting me with a loan offer and a pre-approval letter.   I find this to be such gross negligence on their part, and want to ensure they do not repeat this process with other potential buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (I do not know) with AmeriCollect (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX, XX/XX/XXXX I reached out to XXXX  regarding incorrect information reporting on my XXXX report regarding Americollect. On several occasions XXXX responded that Americollect had been verified as mines. However upon my request no proof of verification was received from the above mentioned companies. I also attempted to contact Americollect directly by certified mail on XX/XX/XXXX where I still have received no response from the collection agency as of date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have filed complaints with Experian about getting my credit report and Score and fixing anything that is not right on my credit report. 
I want my credit report and score so that I can see what is on it. 
My credit report should not have any thing negative on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Payday loan, title loan, or personal loan (Installment loan) with Opportunity Financial, LLC (TN).
Issue: Problem when making payments

Complaint: I am being contacted everyday, with the exception of Sunday, for a month. The want the loan paid but, I am unemployed and a XXXX veteran. I have tried to explain this to the company. However, they continue to contact me. It's the same thing everyday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   (  same as    XXXX   XXXX   XXXX   XXXX   ) refus es to report my account  XXXX   XXXX   XXXX   XXXX  as settled in full which  it was via    XXXX   XXXX   XXXX   XXXX    (   XXXX   XXXX   XXXX   ).  I filed dispute with you for  XXXX  and Transunion last year. Transunion fixed it, but  XXXX  dispute ( #  XXXX  ) produced NO results  (   XXXX    XXXX   ). Since then I have to dispute this with  XXXX  every month as they take this in and out of my report . Pls review  my previous dispute (  XXXX  ) - THEY ARE THE SCAM! Pls verify with  XXXX   XXXX .    XXXX   XXXX  says that I have another account with them #  XXXX   XXXX   XXXX   XXXX . I do not remember opening that account and I asked them for the proof of ownership. They refused to provide it again, just like with the account above. I asked for dispute of ownership, sent them their papers but they never got back to me. It is also by  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD,  XXXX  (  XXXX   XXXX   XXXX   XXXX .     PLEASE HELP ME GET RID IF THIS SCAM ARTISTS. I paid off over  XXXX  in credit card debt and it is all clean except these  XXXX  stupid accounts that I am not liable for.   Thank you  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is the name of the company. I sold my house and closed escrow on XXXX XXXX. XXXX reported me late as far as XXXX XXXX after escrow closed. I was late once at most, not even 30 days late, and they counted it as 2 rolling lates which looks like 4 lates. They have ignored my pleas, calls, letters, and emails. Their company is changing in XXXX to the name XXXX XXXX mortgage and they do n't seem to care. I keep getting the run around, transferred, told to email, then mail, they promised action in 3-5 days, before that 7 business days.I was given an email address that was dead. No responses whatsoever. No response, no letter, no action. I am desperate as I am a retired XXXX trying to get a good home loan out of state. This derogatory information is making it very difficult. I thank you in advance for helping me with this problem.

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX reporting Student Loans in my name for XXXX XXXX XXXX, XXXX XXXX, etc over XXXX XXXX XXXX, that are fraudulent and do not belong to me. I have requested that the fraudulent information be removed from my credit report. 
I have had XXXX credit and this information has reduced my XXXX XXXX tremendously due to fraudulent information. 
I have reported identity theft to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Report # XXXX Please remove false information from my credit file.

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 08-01-2016 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I discovered in early XXXX XXXX that my monthly escrow payment with Shellpoint had increased by ~ $ XXXX. After going online to check my account, it turns out Shellpoint had obtained in early XXXX XXXX, without prior notification or authorization from me, a new " lender-placed '' hazard insurance policy for my property which costs XXXX more than my pre-existing hazard insurance policy. To my knowledge, my pre-existing hazard insurance policy was still current on my mortgage with my prior servicer, even when it got transferred to Shellpoint in XXXX XXXX. In addition to emailing a copy of my pre-existing insurance policy to Shellpoint, I have spoken with XXXX different staff on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, and they tell me that they HAVE STILL NOT UPLOADED the copy of my pre-existing insurance policy, AND, they HAVE NOT YET REFUNDED to my mortgage account the previous UNAUTHORIZED ESCROW AMOUNTS they have disbursed to pay for the unauthorized lender-placed insurance policy they obtained without notification or authorization from me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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 disputed an incorrect public record that was being reported on my credit report as well as a charged off account that was showing an incorrect balance as well as status. A company XXXX XXXX. 

The company responded that both items were verified but did not provide me with how they were verified and by whom with is something that I am entitled to by the FCRA. 

I contacted Experian directly my phone to ask how was this public record verified and was simply told that it was. I asked for name and phone number of the person or agency who verified the information in question and was denied which is a violation of my rights. The FCRA states that items on reports must be verified as entirely and 100 % accurate or they must be deleted. 

In addition, I have also not received any documents from the Experian or XXXX XXXX validating the accuracy of the reporting of the account in question of proof that of ownership of this particular account which is still being reported on my credit report in violation of the FCRA. 

I intend to fully seek legal action against Experian for violating my rights as well as causing serious damage to my credit rating.

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 08/28/2017 about Checking or savings account (CD (Certificate of Deposit)) with PENTAGON FEDERAL CREDIT UNION (VA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Last summer, XXXX XXXX XXXX XXXX decided to merge with Pentagon Federal Credit Union. Very little ( less than 3 days ) notice was given to members of a meeting that a vote was to take place. At the meeting, ballots were destroyed by staff at the end and the vote was obviously a foregone conclusion. Members were enticed to vote for the merge by a promise of a credit to their Share account ( which at the required {$5.00} amounted to less than a nickel ). The leadership of XXXX received extremely generous payouts for the merger ( hundreds of thousands of dollars ). Regardless, the merger went through. Pentagon went on to pay lower rates on some products ( i.e., they did not honor XXXX 's rates ), bought the most expensive piece of real estate in XXXX XXXX for new headquarters, and hired the top lobbyist with the XXXX XXXX XXXX and a former critic of the bank bailout as its government lobbyist ( both questionable hires and for considerable sums ). Last week our business received an email that PenFed would be closing all business accounts in XXXX. We have been members for over 20 years and this poses a business hardship.

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 03/18/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is refusing to investigate credit inquires listed on my credit file Accounts named : XXXX card. XXXX. And XXXX All were not authorized by me Experian rep stated to me via phone call, that creditors that due business with Experian have the right to pull my credit at anytime without my authorization per FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/28/2015 about Debt collection (Auto) with NELSON AND KENNARD (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: my wages are being garnished for a debt that is not mine.I have received credit reports from XXXX, XXXX XXXX and this account is no where in my credit reports.After reading the writ of garnishment I noticed that the social security number *********** had been crossed out and my social security number *********** had been handwritten in.This is not my account and I feel like a victim to unfair debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Baker Recovery Services (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A debt from a home owners association 's dues I never knew I owed, had a partner equally responsible owing home owner association was notified but never paid the debt nor notified me. 
I had move a couple of years before the debt became delinquent. The home owners association turned the late dues over to a collection agency. The agency apparently sent all correspondence to my partner but never to me. They finally to us to civil claims court but never notified me. Got a judgment from the civil claims court but I was never notified of the judgment. Finally, the collections agency alone with their attorney file and received a judgment lien against my home. I never knew the lien was recorded on my property until a year later when the collections company sent a letter letting me know they where prepared to act on the judgment. This was the first I even knew of the original debt. I called and told them I wanted to go back to court which was now over XXXX miles away from my new address to fight this in court. They agreed I was never notified properly of the debt or the judgment, but I 'd lose as the debt was still owed and add more fees to my original balance due plus interest. Once I knew of the debt I paid the collections agency and got a release of the lien, however it still remains on the county records as a judgment and on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2018 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: I am a XXXX XXXX veteran who after refinancing proceedings with Wells Fargo Bank took place, paid a XXXX County of Maryland state and county tax bill. I should note that I am a first time home owner. The bill arrived XX/XX/XXXX for the period of XX/XX/XXXX to XX/XX/XXXX. The amount paid in full came to {$440.00}. I have an escrow account with my mortgage through Wells Fargo but my bank is XXXX XXXX  of Maryland. The amount was paid to XXXX County Maryland on XX/XX/XXXX and I have my bank statement copy for proof. Since there is no system in place to not have bills be mailed out for existing escrowed account mortgage holders, I've tried on numerous attempts to get my refund from Wells Fargo Bank ( Mortgage and Escrow Division ). I have gotten nothing but a run around and been told that the amount would be refunded. My last attempt yielded nothing after communication with a Wells Fargo Manager whom I faxed my copies of the tax bill and my bank statement to after their fax number was given to me. I have also tried contacting a XXXX XXXX XXXX ( Director of the Office of Budget and Finance for XXXX County ) concerning possible resolutions of escrow situations and bills mailed to taxpayers. It has been since XX/XX/XXXX that Wells Fargo Bank has faulted on my refund with one excuse after another. Please investigate and I will await your response to this dilemma. Thank you

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 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: An attempt to collect a " debt '' has been going on for about 10 months. Calls about twice a day about 6 days a week. When they would call me after their business hours and I would get the rare opportunity to get passed the machine, a XXXX machine would pick up informing me of the office hours and leave me with either hanging up or paying my " bill ''. 

For the first 6 months, I would pick up the phone call when I could, answering machine would pick up asking if this is myself press XXXX. I would press XXXX and the machine would automatically drop the call or it would not acknowledge my pressing XXXX. 

After some time, I finally got a hold of someone in the office.I asked them to send me proof of the debt because i have never seen any proof of a debt with XXXX XXXX XXXX, Although I do acknowledge doing business with them in the past. They informed me they would indeed send proof via mail and confirmed my mailing address. 

XXXX time I was able to get through to them I informed them again i would not be paying any debt without proof of a debt other than a phone call. They informed me a " letter '' had been sent. I informed them i did not receive any letter and did they have any proof that they sent it out. She said no but she could send another. I then said ok and can I speak to a supervisor about your answer machine dropping calls when i follow the machines instructions. Held for about 20min and the supervisor come on. I informed her about the machines problems and she told me that " she was not the machine '' and could n't say why that was happening and then immeadetly asked " are you going to pay your bill or not, we dont have time for this ''. Insultated, I calmly informed her that I have never received any proof that I owe anyone money. She then said if I wasnt going to pay my bill than she had to go and hung up on me. 

About XX/XX/XXXX, their machine finally allowed me to talk to someone again. The lady i spoke to this time told me XXXX emails had been sent to me. I informed her that i have never received an email from their company and also was told I would be receiving a letter and that her office even confirmed my mailing address the first time we spoke. She did not know how I was notified the first XXXX times but the last was an email. Together we confirmed all of my contact information and she said a letter would go out again. 

To this date, XXXX/XXXX/15 I have never received any written proof that I owe any company any money. I am unable to communicate with this collector because of an ongoing problem with their answering machine, which I informed them about. This " debt '' has shown up on my credit score and am unable to dispute it because the XXXX times I have been able to speak with someone, they claim to send a letter that never comes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage has violated my rightsthroughout the whole trying to save my home. I now have an auction date on my house. They never warned me that auction was a possibility and only gave me 60 days from posting date to actual sale. I have complained before about nationstar not trying to help and making mockery of XXXX foreclosure avoidance program. Some complaints not even answered and some had missed truths in them. I need to stop auction so I can save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (Medical) with Radius Global Solutions LLC (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls all day every day. I blocked the number than they call from local numbers

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX, XXXX, I tried to submit a credit freeze application online at : XXXX XXXX XXXX ... resulting in an unexplained failure. No useful reason was given : " We are unable to honor your request online. 


If you are a victim of identity theft and submit a valid investigative or incident report or complaint with a law enforcement agency or the Department of Motor Vehicles ( DMV ), the fee will be waived. 

... ( words about sending paper to them to do a paper request in this day and age of Internet everything ) ... 

You may also submit your request electronically at experian.com/upload '' The experience at experian.com/upload was equally dismal and unprofessional and the failure equally unexplained. After I uploaded my documents, the reply was : " We 're sorry. We were unable to honor your request. 

To submit your request by mail, please send your documents along with one copy of a government issued identification card, ... 
" Multiple attempts did not work. 

If they reject an online application, they should provide a decent explanation and provide a way to resolve the issue without resorting to time-consuming paper or telephone. Otherwise, it is reasonably construed by the consumer as an attempt to reduce credit freezes in order to maximize revenue ( from selling credit information ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief