milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently reviewed my credit report for inaccuracies and I noticed a company called " Pro Collect '' reporting a debt to XXXX, XXXX XXXXnd XXXX on my credit report for {$760.00} on XXXX XXXX, XXXX. I did research on the company to make sure it was a legal company and they were legally able to collect debt. I searched the State of Texas XXXX website and their is no record of this company in their database to collect debt. I am not sure if this company is running a scam. According to the State of Texas this company is in violation and I would like for them to be removed from my credit report. 

FINANCE CODE TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 392. DEBT COLLECTION SUBCHAPTER B. SURETY BOND Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.
( c ) The bond must be in the amount of {$10000.00}.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.
Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.

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 01/29/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My private student loan was originally for {$23000.00} taken out in XXXX. The interest capitalized upon my graduation XX/XX/XXXX. I have paid in total {$33000.00} back to my lender, however, my principal loan balance is only now down to {$21000.00}. I have asked Navient several times what I can do to pay off this loan faster and if they would work out a deal with me because I have already paid back enough to cover the original principal and original capitalized interest. They constantly say there is nothing that can be done. I am in the interest reduction program already, but I really want to close out this private loan as soon as possible. Its frustrating knowing Ive paid back all I owe and the capitalized interest and yet I still owe Navient over {$21000.00}! Help!

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Customer service / Customer relations

Complaint: I called to make a payment on my credit card while driving to work.I was using the hands free option on my cell phone and kept asking to speak to a representative. I got a customer service representative who was quite rude, refused to take my payment and transferred me to the fraud department. The fraud rep ( male ) also refused to take my payment, and, despite me verifying every piece of information on the account, stated that he would have to call me back to take my payment. I told him I did not want any inbound calls from them to my cell phone as I did not know them personally and to transfer me to someone who could process my payment. He transfered me to XXXX, who told me that because I volunteered the security information on the account I was suspect and she tehn refused to take my payment. At this point they had wasted 40 minutes of my day, deeply offended me by treating me like I was a criminal for trying to pay my bill, and refused my payment. XXXX also stated that she would call me and process the payment, again, I was clear in stating that they should not call me. As I was on hold for the 3rd or 4th time during the call, I reached my destination. I then hung up so that i could call back and make my payment through the automated system, as I could key in all the information. As I was doing this, XXXX chose to call my cell phone, despite my vehement directives previously that they were not to call my cell phone. After I processed the payment, I called in to the customer service department to make a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Debt collection (I do not know) with AllianceOne Recievables Management (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AllianceOne is fraudulently attempting to extort monies from me fully knowing that I did n't, or ever signed ANY document, agreement, or application with them for ANY service, or contract. 

Per Federal Law, they have NOT provided any of the above mentioned documents, and need to immediately cease with their fraudulent extortion attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (Conventional fixed mortgage) with ROYAL UNITED MORTGAGE LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: I was seeking to refinance my current home mortgage. I looked at several companies and received Good Faith Estimates from a handful of lenders. One of those lenders that was under consideration was Royal United Mortgage. The loan officer is named XXXX XXXX. On XX/XX/2016, I was contacted by XXXX XXXX after visiting XXXX and requesting information on possible lenders. After reviewing the estimate he provided and comparing it to other offers I had, I chose to go with a different lending company. There had not been a closing. I notified XXXX XXXX of my decision via email on XXXX XXXX, 2016. I then received a letter in the mail on XX/XX/2016, from my XXXX homeowner 's insurance stating that on XX/XX/XXXX, Royal United Mortgage had amended my insurance to delete my current mortgage company ( XXXX ) and added themselves as my mortgage lender. This was completed without my knowledge and without a formal closing on the loan. I do not know what other changes to my other accounts they may have made. I do not feel that this was ethical or professional for them to make these changes prior to closing on this loan. I have notified XXXX XXXX in writing that I am livid over this matter ; that I will not be using his company 's services and that they must undo whatever changes to my accounts that they have made.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LJ Ross Associates (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: As of 2009 after seeking to obtain my credit reports to apply for a large purchase in the near future discovered several credit cards and other accounts opened without my consent filed for a investigation in regard to identity theft. After 4 years of failed attempts with XXXX credit bureaus I obtained assistance from the organization clarifi, along with filing a identity theft victims complaint & affidavit with the FTC. After further investigation & verification of the documentation supporting my claim the XXXX credit bureaus finally corrected the issue by deleting all the accounts opened without my consent. However I was XXXX for nearly 5 years unable to obtain employment and ineligible to buy a house or car and to this day still have several problems due to the credit bureaus negligence. They continue to place inaccurate incorrect and negative data on my credit profile. After sending several requests and getting no response or the inappropriate response am now seeking legal action to file suit for the violations in accordance with the FCRA ruling & guidelines. I am currently XXXX and XXXX by these practice 's which prevent me from gainful employment, purchasing real estate and buying a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Closing on a mortgage

Complaint: Caliber home loans - I was mislead by the amount I would receive out of the refinance even though I questioned on several different occasions. 
XX/XX/XXXX - I spoke with XXXX XXXX from Caliber who advised that I would be receiving approximately 10k.

I received approximately 1400.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2016 about Debt collection (Medical) with Stanislaus Credit Control Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A hopital medical bill came to my address attention to me from someone who used my address when he got into an auto hit and run accident. After his release from hospital Ive been receiving the bill continously for several months despite my sending a letter informing them that the bill is not mine and he does not live at my residence nor I am his guardian. I do not even know the person. The bill is not mine. I am not the patient. For several months I am still getting the bill and now from a collection agency despite my numerous times of communicating with the hospital that the bill is not mine and I have no information regarding the whereabouts of this person. They are using my name and collecting from me on a bill that was never mine for someone whom I do know nor I have any relation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Other debt) with MARINER FINANCE, LLC (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I was speaking with someone from Mariner Finance on XX/XX/XXXX, who stated that I need to make a payment on XX/XX/XXXX. I informed them that I would call in on XX/XX/XXXX to make that payment. On XX/XX/XXXX before I could even call, the Branch Manager XXXX, called and left a message. I was unable, to answer because I was at work. She called a few more times. Then she sent me a text that said XXXX this is XXXX the branch manager over at Mariner finance. You need to call me back today. I need a payment today or I will proceed with legal action and we will bank levy your account. You refinanced the account and have yet to pay us back. I got the text from her personal number and immediately called her because I know I had just told them the day prior that I would pay that day XX/XX/XXXX. When I got on the phone with XXXX, she was very rude screaming telling me she doesnt care that Im being nice. That I dont pay her at that very moment she will call her lawyer on me. Hanging up on me. Then calling back yelling and screaming again and hanging up. I was then called by another manager who offered to take my payment. He was pleasant but I could barely even talk because I was crying so much because what she had done to me. I was being recorded while he took the payment so he has that recording of me crying nonstop. She really made me feel like less of a person. She didnt care about what I was going through in my life and that showed in her actions. I was unable to work to my full capacity because she had made me feel so low of a person. She created an XXXX XXXX for me which caused XXXX, fear ... can not concentrate.

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 10/29/2016 about Debt collection (Credit card) with ERC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: ERC contacted my elderly parents at a number and residence that I have not lived at or used in over twenty years. They attempted to pump my parents for information about me but would not state who they were or what they wanted. I only found out that they were a debt collection agency through XXXX. This number and residence have never been associated with the account in question and I never gave permission to be contacted at this number by anyone.

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 09-01-2016 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Credit decision / Underwriting

Complaint: Bank of America violated Federal Law by not placing a " disputed by consumer, '' on my credit report within 30 days. I have certified letters with signatures and waited 30 days after the signature to pull another credit report. They never did mark my report as disputed. I sent then another letter stating they have violated Federal Law under the Fair Credit Reporting Act, Section 807 ( p8 ) and I still have it showing on my credit report. By law they have to remove this negative correspondent on my credit report.

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 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I 've put various complaints in with  XXXX  regarding fraud committed by at the time my husband in which he had also taken  XXXX  other credit cards out under my name and each of those banks, did their investigations and found all credit cards taken out in my name to be fraud. Those credit cards are  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , utility bills, gambling sites, and IRS. Also included was IRS and M ail Fraud. Th is particular credit card company because bills were being sent to the address they have on file which was my current address is the reason they are not investigating this as fraud. My husband was  XXXX . I worked and he did n't work and was receiving all mail correspondences at this home. I 've never seen a bill or even knew he had used my ss number to take this card out. I received a letter from a  XXXX   XXXX  - Custome r Advocate Team in  which I 've emailed him back on numerous occassions and he never responded to any of my emails including the police report filed, letters from other banks stating fraud was committed as well as filed numerous complaints. I have discussed this with my lawyer who has asked me to do a final contact to  XXXX  before I take other actions. After reviewing all the proof I 've collected to my lawyer, my lawyer stated I can receive serious damages for the credit issues my husband at the time has caused. There is a  XXXX  against  XXXX   XXXX  and I am prepared to work with  XXXX  to sign anything needed to clear me from this fraud. Please let me know

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 06/17/2017 about Debt collection (Credit card debt) with DISCOVER BANK (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: CHAPTER XXXX WAS FILED XX/XX/XXXX AND WAS DISCHARGED AFTER COMPLETING PAYMENTS ON XX/XX/XXXX.  APPROXIMATELY 2 MONTHS AFTER THE DISCHARGE, I STARTED RECEIVING HARASSING PHONE CALLS AND LETTERS FROM XXXX XXXX XXXX XXXX, XXXX XXXX DEMANDING I OWE AND MUST PAY A DEBT OF {$5200.00} FROM DISCOVER CREDIT CARD. I MAILED XXXX AND DISCOVER COPIES OF THE FILED CLAIM FOR DISCOVER AND THE LETTER OF DISCHARGE. I HAVE CONTACTED THE ATTORNEY WHO HANDLE MY CHAPTER XXXX CASE AND HIS ASST TOLD ME THIS IS NOT AN ACCURATE ATTEMPT TO COLLECT. SHE STATED I HAVE SETTLED WITH DISCOVER AND THIS IS A THIRD PARTY COLLECTOR FALSELY ATTEMPTING TO COLLECT. THERE IS NO RECORD ON MY CREDIT REPORT TO DATE ( XXXX XXXX ) SHOWING ANY HARD COPIES OTHER THAN THE HISTORY OF THE CHAPTER XXXX, IN FACT IT LISTS DISCOVER AS A XXXX BALANCE AND ACCOUNT CLOSED. I AM TIRED OF BEING HARASSED BY XXXX AND THE UNDUE STRESS AND ANXIETY THEY ARE CAUSING ME IS UNNECESSARY.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: my new telephone number is XXXX and equifax refuses to update it and creditors have denied me based off the inaccurate fraud number they have i can not provide a phone bill because i have a prepaid account with no bill. my ssn XXXX dob XXXX/XXXX/1976 address XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX I NEED MY NEW NUMBER LISTED ABOVE UPDATED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was informed by my lender 's representative that I could eliminate my PMI on an FHA loan that several months ago had passed the five ( 5 ) year anniversary of it 's origination. She informed me that all I needed to do was pay for an appraisal and if the loan to value was at or below the seventy-eight percent ( 78 % ) threshold, the lender would remove the monthly PMI that I continue to pay. I paid for the appraisal and submitted it to the lender as she instructed me to do, but was denied the monthly PMI removal on the grounds that I needed to pay the PMI for at least five years ( which I have been doing ), the loan to value needed to be below the 78 % threshold ( which it is ), and that it was at the lender 's discretion as to whether or not they would remove the PMI ( this information was not provided ). I incurred the appraisal fee of XXXX and XXXX dollars ( {$350.00} ) and feel cheated by this lender 's misleading and negligent actions. I would like to have this matter investigated, as the appraised value of my home is XXXX dollars ( {$310000.00} ) as of XX/XX/2017. All I want is to have the monthly PMI removed from my loan and my appraisal fee fully refunded to me. I feel mislead and taken advantage of by this lender 's actions and seek assistance from the Bureau of Consumer Financial Protection to resolve this matter, since the lender has not corrected this problem. 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 05/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Complaint is agai nst Navient I  keep submitting payments on time and they are processing them a week later and the payment is through a checking account. I understand a day or so for processing, but when I pay a bill at  XXXX  on the  XXXX  that is due on the  XXXX  it should post by the  XXXX . In fact they posted one of my payments on the day after it was due (  XXXX  ), but not the other larger payment. This has happened before.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have to dispute the information on my credit report that has been on there for years and to no avail nothing was done about it

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Trouble during payment process

Complaint: In  XXXX , I financed my house at  XXXX   XXXX   XXXX   XXXX ,  XXXX , Georgia with  Ocwen M ortgage Co. The mortgage was interest only the first 10 years (  XXXX  ). In  XXXX ,  Ocwen  continued to bill me monthly and I continued to pay. On  XXXX   XXXX ,  XXXX ,  Ocwen cre dited {$6100.00} to the principal balance to my account. In  XXXX   XXXX ,  Ocwen de manded a payment in the amount of {$5900.00} plus {$960.00}. Included in this payment were {$680.00} interest, a late fee/short charge of {$230.00}. In a letter dated  XXXX   XXXX ,  XXXX ,  Ocwen  advised me that the payment of {$5700.00} was for undercharges and not applied toward the principal balance on my loan. According  to Ocwen 's au dits the principal balance on the mortgage has increased each month :  XXXX / XXXX / XXXX  - {$110000.00} ;  XXXX / XXXX / XXXX  {$110000.00} ;  XXXX / XXXX / XXXX  -  XXXX  ;  XXXX / XXXX / XXXX  - {$110000.00} and  XXXX / XXXX / XXXX  - {$110000.00}, no money applied to principal after  XXXX  's payment was made. In an attempt to prove their c ase, Ocwen se nt me a fraudulent Note dated  XXXX   XXXX ,  XXXX  along with other docu ments Ocwen sent me. Enclosed Letters and payment statements received from Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Mortgage (Conventional home mortgage) with 21ST MORTGAGE CORP. (NJ).
Issue: Struggling to pay mortgage

Complaint: XXXX/XXXX/18 - My mortgage is with XXXX XXXX ( based in Tennessee ), and I called to make a payment arrangement. I am only 1 payment behind. The person that I was speaking to was extremely rude, and berating towards me. Comments such as " You are taking advantage of our kindness '', Comments about my integrity as a person, and threatening to take my home if I do n't make a payment in 4 hours. I attempted to explain my unforeseen circumstances, but I was constantly interrupted. I have been a customer for over 7 years, and I have been repeatedly spoken to in a degrading manner. I understand mortgage companies have a job, but to be berating me like a child is completely unacceptable. 
Thank you for you time.

Company response to consumer: Closed with explanation