milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2017 about Debt collection (Mortgage debt) with GRYPHON CORP. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: When I refinanced my home in XXXX, XXXX XXXX XXXX XXXX XXXX handled the title part of the transaction to make sure title was clear for refinancing. According the attached letter from XXXX XXXX XXXX XXXX, dated XXXX XXXX, XXXX, " XXXX paid off the abstract in the amount of {$11000.00}. because it says that, " you had refinanced your home through XXXX XXXX XXXX without the above referenced abstract of judgment in favor of XXXX XXXX being paid. '' On the attached letter sent to me by XXXX in XXXX XXXX, XXXX, demanding me to pay {$11000.00} to recover the amount they said they paid. As of today, there is a lien against my home. I do n't understand how a title company insurance can recover from their mistake after they had clear my home at the time of transaction? If it is been paid off by the title insurance company, how come the same original lien is still enforced?

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: My issue is with Rushcard XXXX. Earlier this week I received an email stating there was going to be an update that eould cause an outage XXXX. Never would I have imagined an outage would mean an outage of my direct deposit. I can not explain the agony that this has caused my family. We are presently living from paycheck to paycheck like most americans and have {$0.00} to live off of until this matter is resolved. I have made countless attenpts to reach a live representative of Rushcard for an explanation and it seems as if they have completely cut their phones lines off as the automated system does nothing but disconnect the call without connecting to a representative. After doing some online research, I was able to find a phone number XXXX. I called and spoke to a representative named XXXX who was completely rude from the beginning of the call. It seemed as if he was overall frustrated from the XXXX calls that I am sure he received just like mine today. He would not let me complete a sentence, he did not give me an ETA. I asked for his supervisor 's name and he told me XXXX. I asked for the VP of the company 's name and he told me I could look it up on the website. He then proceeded to tell me there was XXXX calls waiting in queue as if it was my problem and hung up the phone in my face. I was unable to get through back through as it was after XXXX hours when i was finally connected to a rep. I was XXXX to the point of tears because I held on the phone for over 30 minutes just to be treated that way. As a consumer and a person who also works XXXX, I know the number XXXX rule is customer service. I am completely paranoid over the fact that my money is lingering out there and the only explanation I have gotten is a pitiful post on Rushcard 's XXXX page from the ownerXXXX. XXXX families are being affected by this " glitch '' and we have yet to get a satisfactory answer. I would really like for someone to assist me as well as the other families as I know this is not the American Way. Someone please help me! Please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: MCM , Inc. continues to pursue me in a matter that was dismissed in the XXXX XXXX XXXX XXXX XXXX Arizona on XXXX/XXXX/2014. The company continues to negatively report a debt that I do not owe to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen approved be for a trial modification after I completed my trial period in XX/XX/XXXX. Every XXXX weeks I talked to my rep and she stated the paperwork for the permanent modification was being completed and would be shipped to me via XXXX. Each time every XXXX weeks there would be an excuse to why the paperwork was not sent out. On XXXX XXXX I was called by ocwen and told my paperwork was complete and being overnighter to me. A XXXX later I called and stated I had not gotten my paperwork. My rep told me my loan had been sold and they actually had not sent out my paperwork and it would not be complete prior to the sale. This was on XXXX XXXX XXXX full months after I completed my trial program. Now XXXX has sent me a document claiming my balance of of XXXX and XXXX in unpaid overdraft fees which is incorrect is due. Why was n't my trial modification paperwork completed back in XX/XX/XXXX per federal regulations. There also was an overage on my escrow account which has not been posted to my XXXX account ad attached.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Application, originator, mortgage broker

Complaint: I have a complaint against Wells Fargo relating to the refinancing of a mortgage loan that I have with them. I requested a XXXX Loan and they told me that I was not eligible for it, even though I was never late with my payments, had a XXXX Loan and the property was worth less than the loan. 
They processed my loan as a conventional loan, had me pay for an appraisal and then said that they would offer the loan if I would bring a large sum of money to the closing.. 
I believe that they were unethical in their dealings with me, because while they would not have known to value of the property, to assume that its value would have increased in the last 10 years enough to make us invalid for XXXX would not make sense, even to an lay person.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Other mortgage) with FIRST OHIO HOME FINANCE, INC (OR).
Issue: Application, originator, mortgage broker

Complaint: I set up a XXXX XXXX account, although I did n't provide enough information to receive an actual loan quote. I began to receive email marketing because of that, and one lender, XXXX XXXX at First Ohio Home Finance, sent me a marketing email that is very concerning. 1. It was sent to numerous recipients, with all of our email addresses made public. 2. It does n't contain an opt-out option. 3. The subject line does not specify it is marketing, it simply says 'This Weekend '.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Medical debt) with Consumer Collection Management. Inc (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The agency continues to call me 10 times a day. They have sent documentation of the medical procedure that i recieved without proper HIPAA release signature nor has the company provides the requested sign copy of proof as set by the FDCPA, FCRA acts. The agency and hospital clearly violated my right to privacy in accordance to OCR. Under the FDCPA I have the right to request validation which they submitted a copy of my procedure and medical record with out HIPAA release signature signed by me to give them the right to have my medical information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Medical debt) with I.C. System, Inc. (ID).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: IC systems has been repeatedly calling my phone number provided in previous questions and have informed me of having a file placed with them by a health provider and have asked me to confirm my information, they then give me a partial address and ask if this is correct, I ask what it is regarding and they refuse to answer my questions, they then kept pushing for my personal information such as social security number- I do not give it until I can verify what IC systems is calling about- they then repeat that they wont discuss the " file '' until I provide personal information, I then ask what exactly it is regarding and that I will not volunteer that information until I am provided a reason for their call, they then hang up on me and will not answer my questions. This feels like an absolute scam in refusing to discuss the reason for their call until I provide personal information. They say the file originated from a health care provider, however we have no outstanding balances anywhere.

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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Check Systems is reporting false and misleading information about me.  I want it removed from their system .cease and desist immediately.  I will contact my attorney , I will also charge XXXX that inaccurate info stays on my file starting today . Check systerm dispute XXXX. Remove asap or pay me XXXX daily .Ftc and BBB complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter claiming I owe money, but according to the original company I do not. I believe this is a scam.

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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The information shown says one name and my name is different from that. Me and my dad have the same name but I 'm the XXXX and that 's not what is shown.

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 06/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A name on my account with transition is fraudulent. The name is XXXX XXXX XXXX. I know nothing of this person.

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 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
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 submitted a dispute to TransUnion on XX/XX/XXXX for two companys the debt has been closed and settled for {$230.00} on one account the other is for auto it was closed and transferred to another collecting party. TransUnion did not validate the information i called on XX/XX/XXXX spoke to XXXX XXXX and her supervisor XXXX XXXX they stated they are in XXXX, they stated they did not receive proof from the companys during the dispute only that it is still on my credit report as owing from their electronic systems they use to communicate with companies. XXXX the supervisor stated i have to call the companys directly to dispute the matter i tried to explain to him disputes go directly to the credit bureau and since they did not validate my debt correctly and it has been way more than 30 days they have to remove it from my report by law. He stated no because they finished the dispute on XX/XX/XXXX and only received a verbal the debt is owed. I asked XXXX how they sent the response to me when the dispute was finished she stated by email i asked her what email it was sent to she could not provide it and asked me do i even check my email because it should be in there i once again asked her what email she could not provide the information. I asked her when the dispute was finished She stated the dispute was finished on XX/XX/XXXX then later said she said the XX/XX/XXXX. TransUnion employees are not following the law by correctly validating a persons dispute/debt they are only receiving verbal confrimations from companies both employees confirmed that during the conversation.

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 01-08-2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe that I made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Student loan (Federal student loan servicing) with Manhattan Beach Venture, LLC (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The Student Loan Relief Department contacted me last year ( XXXX ) regarding federal student loan relief based on my income. XXXX XXXX XXXX was the Enrollment Advisor there who took my income information and family size and submitted my application for the program. He advised I was approved and that XXXX XXXX is the third party that would pay off my federal student loan debt and auto debit my newly revised payments of {$39.00} per month. Recently, I received emails from XXXX, my federal loan servicer saying I owe over {$400.00} if I do n't reenroll in the Income Based Repayment plan by XXXX/XXXX/XXXX. So come to find out that The Student Loan Relief Department not only did not pay off my loan, they charged me for a free service I could have done myself. My federal loans were already consolidated so I 'm not sure what I actually ended up paying for. The SLRD also provided me with a temporary username and password for nslds.ed.gov to check my federal debt but I fear they changed my security question answers and information so I ca n't log on and check my balances. I have yet to be able to access my information on that database. I have tried to get in contact with this company for months to no avail. I have left countless email messages and voice messages trying to speak to someone regarding this issue to no avail. They have several different phone numbers but none of them seem to work.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hi, I have tried now 7 times to get my date of birth corrected. It stays corrected for about 1 to 2 days and reverts back to the wrong birthday. The most recent Equifax dispute numbers are XXXX, XXXX and XXXX. Again it was corrected for 1 day and reverted back. I filed a CFPB complaint XXXX and again it was corrected but reverted back in 1 day. I have spent several dollars trying to correct this and buying credit reports. What will it take to fix my birthday to XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I filed a complaint against Transunion due to their verification of a debt issue. The following week, in retribution, they lowered my credit score by XXXX points even though there was absolutely no change in my report. It has been several weeks and they refuse to raise the score to the previous level. I printed the XXXX reports showing the only change was the score and NOTHING else. I thought this process was to help consumers but now feel threatened that companies can harm my credit for complaining about them. I find this frustrating and feel the entire reporting system is broken and needs an overhaul. I pay my bills on time and pay off credit cards every month and yet find my score does n't represent that.

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 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following inquiries are being reported on my credit report and these are unauthorized inquiries which I have not provided consent for. I have contacted all three credit bureaus numerous times beginning XX/XX/XXXX. Please review the companies below so this issue can be addressed immediately as each company below has accessed my credit report without authorization : Creditor Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 08/24/2017 about Debt collection (Medical debt) with Alorica Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I never received a 30 day notice informing me of this debt. Never got the chance to pay it or validate the debt, if just showed up on my credit report. When I disputed it with XXXX, I gave them my address and telephone number and still received nothing.

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 01/22/2018 about Debt collection (Medical debt) with PMAB,LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: PMAB recently put over 25 collections on my credit report. I have no idea who they are and I never received a notice from them. They just put it on my credit. 
I called them and demanded them to show me what they were for and the refused. They claim it is old medical bills from XXXX & XXXX but they said they do not have to give me the info. 
For one the NC statute on debt is 3 years, so if they are mine then they are past the statute of limitations. But I have insurance and always have so they can not be mine. 
Are n't they required to send me proof? how can a company just put so many items on my credit just because?? I have contacted my attorney as well. This is a clear Violation!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Other debt) with LENDING CLUB CORP (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have asked Lending Club on various occasions to refrain from contacting me by telephone, and instead to communicate strictly in writing. Lending Club nonetheless continues to attempt to contact me by phone. Today, in the span of approx imately 15-20  minutes, I received  two  phone calls from  XXXX  different numbers and locations.  One of the p hone numbers ( from a  XXXX   XXXX  area code ) was a Lending Club number. Lending Club did not leave any message.     Lending Club has employed similar tactics in the past, and I have complained to Lending Club about its aggressive phone tactics in the past, among other things. I have also complained, in writing, to Lending Club about other issues in the past and have requested documents of them. To the best of my knowledge, Lending Club never sent me all of the documents that I have requested of them in the past.     I am requesting, once again, that Lending Club refrain from contacting me by telephone, and to cease and desist from contacting me by telephone, or attempting to so contact me, at any time, unless I expressly grant permission in writing ; and otherwise to refrain from engaging in harassing, deceptive, and/or other collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing

Complaint: I was targeted for an American Express Platinum card. On XXXX XXXX, I logged into the cardmatch tool at XXXX and saw an offer for XXXX membership rewards points after spending {$3000.00} in three months. I applied and was approved automatically. When the card arrived three days later, I called American Express to activate my new card and inquire about my signup bonus. The rep whom I spoke to said my card comes with no signup bonus. Despite me having screenshots of the XXXX point offer and contacting many other associates and supervisors through the phone and online chat, American Express and I have not been able to solve the situation amicably. I have not used the card and will not be doing so if I 'm denied what 's due to me. They 've billed the annual fee to my card ( {$450.00} ) so I 'm calling for an immediate resolution to this situation so I know how to proceed.

Company response to consumer: Closed with explanation