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 Merchants and Medical Credit Corporation, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account was fraudulently listed by the original creditor. Financial charges initiated were no existent. I filled a complaint with attorney general on the original organization. After this debt was used as a tax right off, it was later sold to this debt collector in an attempt to receive further financial compensation. This debt has been following me for almost 7 years. It was supposed to be removed. However, the debt collection again reopened it in my name as a current debt. Below is the current debt collection agency who reopened this debt in my name. Account name MERCHANTS & MEDICAL CREDIT Account number XXXX Recent balance {$3400.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3400.00} past due as of XX/XX/XXXX. <P/>XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX Type Collection Terms 1 Months Credit limit or original amount {$3400.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (SD).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Company keeps calling and leaving silent voicemails. They are mean and rude and won't stop when told to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2015 about Debt collection (I do not know) with M&S Recovery Solutions (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This number XXXX has been calling family and friends looking for us saying they want money from us for some debt and give no name as to their business or information about the matter but never have we received a call from them. When I looked up the number it was reported as a scam alert. Plus that number is not in service and goes to a XXXX voicemail service when called. The name my mom got was XXXX XXXX. She was uncertain as to the spelling of his last name. This has happened before and I do n't know how to stop it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt belongs to my father. We have the same name but our birthdays and social security numbers are obviously different. I have contacted XXXX and emailed them a copy of my drivers license to very the debt it 's not mind and yet I have not heard from them and they have not removed the collection from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Other financial service (Debt settlement) with Fedloan Help (NY).
Issue: Fraud or scam

Complaint: A " student loan debt relief '' company called Fedloan Help was supposed to help me consolidate my student loans and register me for an income-based repayment program but, illegally tricked me. 

I signed up for these alleged services around XXXX XXXX. They started withdrawing {$91.00} from my Visa Debit account on XXXX XXXX XXXX. Since then they have withdrawn {$1100.00} from my account. 

I found out about this scam when I asked them for my XXXX tax form. I needed them to file my XXXX tax returns. However, they did n't respond. A couple days later I received a letter from XXXX XXXX. It stated that I had not paid anything on my consolidated student loans since XXXX XXXX. I called them and told them that I had been, and that they 've been withdrawing {$91.00} each month since XXXX XXXX when I consolidated with them. This was the moment when I realized that they were XXXX different companies and that I was being scammed by Fedloan Help. 

After I made a bunch of calls and did my research, I found out that Fedloan Help illegally acted on my behalf and contacted XXXX XXXX to consolidate my loans, but never paid them what I thought was my " income-based payment '' of {$91.00} a month. They kept this money and not a penny went to paying back my loans. 

I was convinced that they were legit because they were a non-profit organization who worked with the Department of Education. They also told me that that I qualified for the student loan forgiveness program announced by Obama Administration. They also sent me emails and attachments with the Department of Education 's emblem so I was further convinced it was real. Moreover, they actively emailed and called me to advise me on the consolidation process. They were also totally understanding of my financial hardship and guaranteed that they were going to help me save money. They said that this program was created because of the XXXX dollars of student debt and that they were working with the DOE because lenders like XXXX and XXXX XXXX were scamming me. They also said that if I did n't finish paying my loans in 3 years that my loans would be forgiven. However, I should have known something was wrong when they asked me for my passwords and usernames from my XXXX and XXXX accounts. I was just so convinced that they were going to help me because I was struggling to make end meet and totally stressed out about the high interested rates and monthly payments that I was making that I was totally blinded by it all. I honestly thought they were a blessing. 

I will continue to follow up with them to see why they did this and to see if I can get my money back. So far they have n't responded and when I call them I get prompted to their voicemail system. 

And, their website is still up and running : http : //www.fedloanhelp.org/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (Medical) with Collections Inc (MS).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: a ) they never sent us any letter with their name, address and account number. They insisted on calling me at work.XXXX for a living thats totally unreasonable. I asked them to talk to my wife because she is home during the day. They threatened garnishment even though garnishment is XXXX dollars and I only owe $ XXXX.I told them I can not pay the whole amount and needed a payment plan and she said she wanted my debit card number. This was without telling me who she even was and with no way to keep them from taking the whole amount. I said no I 'll send a check for what I can afford. She said she had to have the whole amount. Whenj I said I couldnt afford the whole amount she said I was being rude and hung up.She continues to call me while I am at work XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This is my fourth attempt and request to have public information removed from my credit file. There is a chapter XXXX  bankruptcy listed on my public TransUnion credit report that I have requested several times to be removed. Both XXXX and TransUnion have removed this account. It has also been confirmed that the U.S. Bankruptcy courts and PACER does not and will not verify such accounts ; therefore the account has not been verified and XXXX, the system in which the credit bureaus use to verfiy information is not the correct method of verfication.

Per the PROCEDURES and laws stated in 15 U.S.C. 1681i and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT.

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 12/14/2017 about Mortgage (Conventional home mortgage) with Orion Title & Escrow LLC (NY).
Issue: Closing on a mortgage

Complaint: Orion Title & Escrow LLC-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida , XXXX ( XXXX ) XXXX Contacts : XXXX XXXX , XXXX. ( attorney ) and XXXX XXXX ( owner ) Orion File # : XXXX XXXX I was the Seller in a transaction that closed on XX/XX/XXXX at XXXX XXXX. Orion Title was the title company and settlement agent. 

On XX/XX/XXXX Orion provided to me a Seller 's CD listing fees payable by the Seller. I advised XXXX XXXX that same needed to be revised to include XX/XX/XXXX payments that were already made. She refused to revise the CD and only after I provided her with the relevant proofs of payment did she finally revise the CD and on XX/XX/XXXX ( less than 24 hours prior to scheduled closing ), ADDED A " SELLER DOCS PREPARATION CHARGE OF {$500.00} TO ORION TITLE. When I questioned her about the fee, she stated that was her standard fee ( not a fee for the revision ) but failed to provide any explanation as to why it was not on the CD provided on XX/XX/XXXX. I never agreed to pay that fee nor was it discussed or disclosed to me until less than 24 hours prior to the closing. I refused to pay the fee and reached out to XXXX XXXX, XXXX. for assistance. 

I received no response on XX/XX/XXXX however after the closing had already started XXXX XXXX, XXXX. stated that XXXX XXXX was the owner of the company and that the {$500.00} fee was not a " revenge charge '' but instead was the standard fee yet once again did not address why the alleged standard fee was not on the CS provided XX/XX/XXXX. XXXX XXXX never contacted me again. 

This was a mail away closing for me and I returned all the documents via XXXX XXXXXXXX signed without the {$500.00} fee. The Purchasers were at the closing table and ORION TITLE STATED THEY REFUSED TO CLOSE UNLESS I SIGNED A NEW CD AND AGREED TO PAY THE FEE. This would have severely prejudiced the Purchasers who had taken off from work and were moving into the premises that weekend and likely would have been subject to adjournment fees from their lender for an adjournment at the closing table. Out of consideration for the Purchasers and out of duress, I signed the new CD via email and the transaction closed. The practices of Orion are unethical, unprofessional and in my opinion equate to extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX and Experian with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX and XXXX XXXX, all non-account holding inquires such as XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I Have never lived at XXXX XXXX XXXX XXXX, Il XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX, IL XXXX ; have never worked at XXXX XXXX, XXXX XXXX XXXX XXXX. Account to be added XXXX 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 non-monetary relief
Consumer complaint received 04/28/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We had what was supposed to be a fixed 30-yr. FHA loan. However, XXXX Mortgage has consistently raised our monthly payments - most recently from {$1200.00} per month raised to {$1500.00} per month. They claimed that this was due to them not collecting enough from us for our escrow. I see that most recently, part of that is for a " PMI/FHA Ins. Distribution. " Raising a mortgage payment {$300.00} per month is too much to handle and not reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Other debt) with Credit Bureau of the South, Inc. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have no contractual obligation to pay this collection agency. I have asked for validation that this account belongs to ME, and they did not provide me with sufficient documents  within their 30 all owable days. All I have received are statements from another company. They are in current violation of the FCRA. I have also asked for them to update their records to reflect correct information, which they have not done so. This collection agency shows up as " Credit Bur eau of the South '' on my credit report, but all corresponding information from them is listed as "    XXXX   XXXX   XXXX   ''.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX 2016, XXXX XXXX charged my XXXX XXXX XXXX XXXX Dollars ( {$2.00} ) without my knowledge and without any basis. The amount was charged but not billed. 

I learned about the charge a few months later. I disputed the charges. XXXX removed the charge immediately, however, XXXX has made two negative reports on my credit report for such XXXX Dollars ( {$2.00} XXXX. 

I tried to have XXXX remove the negative reporting but failed. 

I request XXXX to remove the negative reporting. 

I request penalties be assessed against XXXX for improper and fraudulent charges and for fraudulent negative reporting.

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 06/14/2016 about Mortgage (Conventional fixed mortgage) with RESIDENTIAL BANCORP (TX).
Issue: Credit decision / Underwriting

Complaint: BANCORP has sent my family on an emotional roller coaster from the start. My husband and I, our XXXX sons ( aged XXXX & XXXX ), and our dog, are currently homeless as a result of repeated indifference and inaction from BANCORP. We have moved a total of XXXX ( XXXX! ) times in XXXX weeks due to broken promises. Throughout this process, we have asked for open communication and honesty. We have received neither. Instead, we have been repeatedly stonewalled and given the run around. We have been extremely patient and understanding, yet that has not resolved anything. 

We were initially disclosed on XXXX/XXXX/2016 with a closing date of XXXX/XXXX/2016. The total disregard for the closing date, time and time again, has been unprofessional and disheartening. The most recently promised closing date of XXXX/XXXX/2016 will not be met as they have contacted our mortgage broker to say that the investor is no longer doing business with them. They also mentioned that there are XXXX other loans that were in the program. Every week we are told that it will close the following week. 

My children do not know where we will be tomorrow. This constant sense of unknown, of homelessness, XXXX. The same can be said for our XXXX year old dog. Furthermore, the financial burden of constantly moving weighs heavily on our family. We are spending $ XXXX- {$350.00} a night on temporary housing. To date, we have spent over {$7000.00} on temporary housing. We will also have to hire movers twice ( {$2500.00} ) and we had to rent a storage unit ( {$600.00} ) because our closing date keeps getting pushed back, over and over again, by BANCORP. 

My husband and I both have fast-paced jobs that we both love. For the last month we have not been able to fully dedicate ourselves to our jobs and our family. It is extremely time consuming to keep rescheduling installation and setup for utilities, cable, phone, and various other necessities. 

I do not wish the experience that we have had on anyone. A lot of this would have been prevented if - from the outset - a representative at BANCORP would have been transparent with us, providing us with a realistic closing timeline and letting us know that our closing date may need to be extended. We would have been able to extend our lease on our home and would not have had to endure the last three weeks of uncertainty. I never thought that I would be homeless. It is unacceptable for a company to have such disregard for their customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Now that TransUnion LLC, has stated that they will readd XXXX of my auto loans XXXX and XXXX from XXXX XXXX XXXX XXXX XXXX back to my credit report, they also need to readd the payment history for XXXX and payment history for XXXX I have never been late or missed a payment on XXXX. XXXX was paid off and closed XX/XX/2016 and XXXX is paid current with no missed payments this needs to be reflected as it was before TransUnion LLC removed these accounts illegally! In addition ALL OF MY POINTS THAT WERE REMOVED BY TRANSUNION LLC, when they removed these XXXX auto loans illegally needs to be READDED back to my TransUnion credit report immediately! All of this has caused me extreme hardship! I 've talked to customer service. reps repeatedly about this day in and day out over and over for 3 months trying to resolve this issue!

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 01-02-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have made several requests to get this Home Equity Line of Credit Refinanced. In XX/XX/XXXX I filed a complaint with this agency and received a letter stating that it had been closed since the bank indicated they would work with me accepting the documents previously submitted. 

Shortly there after the bank began requesting additional documents. They finally clarified in XX/XX/XXXX that a letter of explanation would be acceptable. The letter was provided and I was told that the documents had been submitted to underwriting and they were awaiting a decision. At the same time they informed me that the loan was being transferred to a new company, XX/XX/XXXX and that the new company would take over the loan refinancing where the bank had left off. 

After XX/XX/XXXX, I placed several phone calls to the new company, who indicated they had no records on my account. Calls to the original bank indicated that they had no records on the loan as they had all been transferred to the new servicer. 

Last week, I received a letter from the new servicer dated XX/XX/XXXX, indicating that all future payments should come to them. 

I called the new servicer today and was told that they are only a debt collector and could do nothing about the refinancing. When I asked about payment arrangements, they indicated that I could submit payments, however the account would still be considered delinquent and the interest rate is 2 % daily.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Financial continues to call me numerous times per week despite asking several times for them to not call me regarding my mortgage loan unless I am late. I have never paid a mortgage payment late but they insist on calling several times a week to tell me my account is past due even though they know I pay it the XXXX of the month and my statement says it is not due until the XXXX. They call repeatedly until I answer while at work and then continue to call even after I tell them what day I will pay it ( again, ALWAYS before the actual due date ).

Company response to consumer: Closed with explanation