milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Concord Servicing Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was late paying my timeshare maintenance fees, for the XXXX of 2015, and it was sent to collection in XXXX 2015. I paid the collection agency in full, and verified with them that I was paid in full, however they failed to return my account to the original creditor, and instead kept my account open so that the original creditor never knew to bill me for the XXXX of 2015. So neither the original creditor nor the collection agency have sent me anything in writing notifying me of the debt, but instead have made phone calls harassing my elderly parents on their home phone number thrice in the past week. Once by automated robot system, and twice by a live representative from the collection agency sharing my personal information on their answering machine. I just want to pay what I owe to the original creditor, as my account should have been generating bills from them, which they never sent to me, and not the extra erroneous charges by the collection agency, who is acting in an illegal manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI).
Issue: Fraud or scam

Complaint: yes i lost over internet scam inhertance fraud XXXX and XXXX XXXX over amount was {$40000.00} keep telling me a relative of my last name.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a billing dispute with a survey company that ended in Small Claims Court. The judgement was settled and satisfied on XXXX/XXXX/2009 by The Hon. XXXX XXXX XXXX ( case # XXXX ), XXXX XXXX, KY, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX XXXX 2017 I filed a complaint with cfpb regarding medical debt that continue to reappear on my credit report. After my complaint with cfpb the medical debt reporting on my credit report was removed in XX/XX/XXXX now again in XX/XX/XXXX it has reappeared back on my credit affecting my credit score and showing closed in collections. On my report that I filed with cfpb the company said they would remove it from all credit reporting agencies and even though it was removed XXXX, XXXX, and Experian are reporting it again in XX/XX/XXXX. My file number with cfpb that states this will be removed from all reporting agencies 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 03/24/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I submitted a debt validation letter to XXXX Services on XXXX XXXX, 2015 and have a certified receipt to prove that they have received a noticed and never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is refusing to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: Lock Card function feature do not work as they advertise on their website : " No one can use a card while it is locked, including you. You can turn it back on anytime- When you lock your card, it will instantly prevent new charges on this card. 
All of these charges will be declined : In-store, Online, In-app & Phone Purchases. 
Any cards with the same card number will also be locked '' I made booking reservation with XXXX XXXX XXXX on my trip to XXXX XXXX. When I arrive in XXXX XXXX on XX/XX/, the taxi took me to the wrong XXXX XXXX XXXX. I had a dispute with them. They insisted on charge me one night for no show ( {$110.00} ). So I made an oversea call back to Capital one credit card to lock up my card so that the disputed charge could not go through. When I came back to USA on XXXX, I checked my account website and credit card was still locked. So I locked it up again. 
A couple days later, to my surprise, the disputed charge of {$110.00} went through and charged my credit card. I immediately called the credit card company to complain about this unlocked charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This was n't me who applied for the debt

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CO).
Issue: Application, originator, mortgage broker

Complaint: This complaint is against Quicken Loans. My wife and I applied for a mortgage through Quicken. We received pre-approval through the company and as a result paid {$500.00} to Quicken for the loan to proceed to closing. After a period of weeks, Quicken Loans decided not to close the loan because it said it could not count a portion of our income. Our concern is that of two of Quicken Loan 's pre-approval staff gave the loan pre-approval after their review but when the loan went to final underwriting another team decided to disqualify a portion of our income with no explanation. We are concerned that the portion of income Quicken ultimately decided not to use is from our small business that is minority and female-owned. We are concerned that somewhere in the higher ups at Quicken Loan there is a discriminatory reviewer who is implementing discriminatory practices against women and minorities. The company employees who gave pre-approval to our applications are also at a loss to explain why the application was rejected in the final stage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-03-2017 about Mortgage (FHA mortgage) with American Financial Resources, Inc. (WA).
Issue: Trouble during payment process

Complaint: I am trying to complete a refinance on my home mortgage, changing it from an FHA to a conventional loan. I ordered a payoff on XX/XX/XXXX good through XX/XX/XXXX since this is an FHA loan I have to pay interest good through the XXXX of the Month. When I notified I was not going to be able to close on my refi by XX/XX/XXXX, I called on XX/XX/XXXX and requested a payoff good through XX/XX/2017 knowing I would have to pay a full month interest to close out my current FHA loan. <P/>I have called 3 more times as of X/X/2017 and still have not received an updated payoff. My rate lock is now expiring and American Financial Resources does n't seem to know how to process an updated FHA payoff in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (Medical) with URS Holding, LLC (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have sent NUMEROUS complaints about the same company : J.C. Christiansen associates over the past few years. 
They constantly call my number they do not display who is calling on the caller ID. It shows " Not in Use ''. 
They repeatedly called me every day m-saturday starting at XXXX till after XXXX. several times a day up to 5 times. 
I have told them not to call me several times and asked for everything to be sent in writing. I have spoken to several people XXXX, XXXX XXXX and a few I forgot. No one seems to take heed to my requests. I have also complained to my Atty generals office in the past and they stopped for a while. Please shut yhis place down.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: After finding a negative report that was inaccurate on my Experian report I filed a dispute with them because the issue was litigated in court, it was found in my favor that the amount was paid and the insurance company had reported false information. They never contacted me to get copies of the legal documents and updated the report to say the issue met the Fair Reporting Act. I also contacted the company in question and provided ( XXXX ) and provided the court documents and they never removed it or reported back to the credit bureaus. I have been denied credit because of this issue

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2016 about Mortgage (Other mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/XXXX, I sent Seterus, the servicer of my loan, a request to complete a new Escrow Analysis and spread the shortage over 60 months. I sent a follow up XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have had no response. 
Seterus approved a loan modification XXXX/XXXX/XXXX, but did not perform an escrow analysis prior to the modification, which ended up increasing my payment by {$190.00} per month. It should have been performed prior to the modification. And, a forbearance was approved from XXXX. The Seterus representative advised me in XXXX XXXX that the only thing I would be paying during the forbearance period would be taxes and insurance, then then ended up applying all monies to loan principal and interest. This is the reason for the large shortage. 
This servicer is extremely difficulty to work with. 
I previously filed complaints with you for XXXX reasons : they declined a loan modification 7 times in 4 years, citing that I did not provide all requested documents, which I had fax proof that I had provided, and a second time, in order to have the loan modification paperwork completed, as they took over 7 months to confirm and provide documents. Both times, they stepped up, only with your intervention. I am quite frustrated. 
I believe that I own XXXX of the few properties they could actually make money on if they foreclosed, and either the left hand does n't know what the right hand is doing, or it is with intent, so that they CAN foreclose and make $ XXXX-XXXX. 
They have continually misapplied, suspended payments, and then cited the original note, the forbearance or the modification, wherever it please them and they make the most money. They have also charged late fees and 'inspection fees to be sure I am living in the property ' since XXXX XXXX, XXXX due to misapplication of payments I made, even though the payments were the exact payment they requested for each specific date.I was not even aware of the misapplication of payments or the fees until XXXX XXXX, and they refused me access to the website and stopped sending statements to me due to Chapter XXXX filing in XXXX XXXX. Misapplication of funds also effects principal reduction clauses over the first 5 years of the modification term, and hurts my already damaged credit further. I truly believe this is all with intent, and need an advocate to renegotiate all of this with them, especially reapplication of payments made. 
Please help me negotiate these issues. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Payday loan () with Mobiloans, LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: I opened an account with Mobiloans on XXXX/XXXX/15. Since then I borrowed almost {$900.00}. By XX/XX/XXXX I had paid back over {$600.00} of the loan thru payments made to this account thru my bank account. At present after making these payments I still owe over {$900.00}. I had to go to my bank and put a stop payment, since the withdrawals were becoming not only more frequent, but also bigger each time. 

I had read something about this company before, but they seemed to be legitimate, but later found out what the complaint were about. 

I had made the loan because I was in between jobs to help me get thru to the next month, but the cost of pay8ing back the loan has made it almost impossible to do with the amount of money I make in my new job.

Company response to consumer: Untimely response
Consumer complaint received 03-05-2016 about Debt collection (Federal student loan) with Ceannate (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This creditor has reported delinquencies on my credit that are in correct and causing harm to my credit ability. On the occasions ( which amount to XXXX ) that I credited the account in its grace period, I was assured by the company representative that it would not go against me and not be reported in my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Student loan (Non-federal student loan) with Genesis Lending (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I applied for and received a Genesis Loan to attend XXXX PA XX/XX/XXXX. I applied for the Genesis loan because I was told it was my best option to get funding for my education. During my time at XXXX, I paid on interest on my Genesis Loan. I also had to reapply for a second loan to finish out the school year/education. Recently there has been a lawsuit against XXXX XXXX, owner of XXXX and other schools. They were told to pay 40 % of students loans who had gotten Genesis loans. When I found out about it, I inquired why I had not received the 40 % forgiveness. I was told that I never had a Genesis loan. I asked how that was possible since everything I signed at school was for Genesis or a federal loan. I was told they just serviced the loan. I asked who the owner of the loan was and they gave me a name but they could not give me a number/address/website or any information regarding how to contact the owner of the loan. I decided to file a complaint. I got a response from Genesis that they never owned the loan and would request the loan be taken off my credit history. Due to my work, I did not have the time to gather the information I needed to file a dispute to their claim. After I filed the complaint, I received a letter from Genesis stating that they would no longer be servicing my loan XXXX. I had never heard of XXXX before Genesis told me about them. I have tried to contact XXXX XXXX XXXX to get a copy of my original loan information but that has led to no where. The research I have done into them has proven no known employees, no phone number and no website that I can find. I started looking through my taxes and emails and found my student loan statements XX/XX/XXXX. It shows the lender of my loans. My federal loan is owned XXXX. My private loan was owned by Genesis Lending XXXX. The emails I found are from a Genesis email account, asking my father to finish his cosigner application online at the Genesis website. I believe Genesis Lending has falsely moved owner ship of my loan to avoid forgiving 40 % of my private loans.

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 01-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: After several years of loan repayment, I found that I was eligible for a XXXX program, as I am now a state employee. I filled out the paperwork and my loans were transferred to Fedloan. Before a payment was due, Fedloan immediately put my loans into default with the XXXX. I assume this was a mistake on their part and after several conversations with them, they tell me basically that their is nothing they can do. My loans, that I have been paying on for over 5 years are now back in default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Debt collectors calling telling me that I will be sued if I do n't pay. She calls a couple times a week threatening me with lawsuits and jail if I do not pay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was contacted by Central Financial Control about a medical bill, I explained I needed proof of the charges, I was told if I did n't pay the bill in full it would be reported to my credit. I paid it in full but they still put it on all XXXX credit companies. I have explained to them that I never visited XXXX XXXX XXXX but they insisted I pay {$300.00} or risk hurting my credit. I have disputed this claim with them and they refuse to correct my credit. I was told it was a crime to have services preformed and that I was refusing to pay my debt. they made me feel like a dead beat, I paid the {$300.00} to avoid issues.

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 05-06-2015 about Debt collection (Medical) with FMS Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: FMS is reporting to XXXX and XXXX that I have a collection but there is no amount. I do not have any outstanding medical debts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I had set up automatic payments with my mortgage specialist XXXX XXXX. A payment was to be taken out on XXXX XXXX, 2016, but had not been taken out. I called Beneficial today, XXXX XXXX, 2016 to question why the payment had not been taken. I was informed by the representative that an attempt was made on XXXX XXXX to draft the money but was returned insufficient funds. I advised the representative that could not be true and requested a conference with my bank. My bank informed the representative that no attempt was made to withdraw the funds and that more than enough funds were available. The bank verified the account number and it was established that Beneficial did have the correct account number. I was told by Beneficial that they would not attempt to draft the funds again, I could not make a payment over the phone, I discovered that I could not make a payment online and that there is not a local branch were I can go in to make a payment. I was told that I could only make payments with a certified bank check. I have been on automatic payments for at least XXXX years, and I have not had a payment returned for insufficient funds. I asked to speak to a supervisor and I spoke to XXXX who said I would have to get a letter from my bank. I am not sure why I would have to get a letter when the representative called my bank and spoke with a bank representative who confirmed that a payment was not returned for insufficient funds on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XXXX/XXXX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX XXXX 's Home has an account at U. S. Bank in XXXX XXXX, CA. at XXXX. I deposited XXXX checks on XXXX/XXXX/16 for a total of {$31000.00}. I was told the funds would be held, however, I learned on XXXX/XXXX/16 {$200.00} was realeased and {$4800.00}. was realeased on XXXX/XXXX/16. However U.S. Bank has charged for 3 checks submitted for pay a total of {$100.00} over draft fees. The funds were there. The checks were drawn on an account from XXXX in XXXX XXXX. The payee was the County of XXXX a governmental agency. In reading the regulations a government check does n't have to be held that long. I told XXXX the employee at U.S. Bank and she told me XXXX County went bankrupt. That is an untruth. XXXX County has never went bankrupt. This was done to get funds from this account illegally.

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 11/22/2016 about Debt collection (Medical) with National Business Factors (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a hospital bill in collections but I never received the bill I 'm trying to build up my credit what can I do to get it out of collections?

Company response to consumer: Closed with explanation