milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2015 about Mortgage (FHA mortgage) with MOUNTAIN WEST FINANCIAL, INC. (CA).
Issue: Settlement process and costs

Complaint: We are selling our home. We have been in escrow since XXXX XXXX, 2015. It is now XXXX XXXX, 2015. The Lender, Mountain West Financial has been Telling us for the last 7 weeks that the loan will close this week, every week. It still has yet to close. We are now living in our trailer, forced to make not only mortgage, but rent for our trailer. We want them to finish the file, but keep getting the run around on it

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Medical) with Medical Society Business Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: All documentation was sent to show payments for each EOB from my XXXX insurance provider. XXXX XXXX XXXX was trying to bill amount outside of contracted agreement with XXXX. 
XXXX representative informed me that this was illegal, per the contract agreement and my obligations were met. 
This information was provided to the Bureau Medical Economics who received all receipts of these transactions, but keeps sending harassing phone calls and notices.

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 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Since this   XXXX  /Navient loan started, the interest rate is high, balances are not going down, they never told us about repayment options, only forbearance and deferments that add more interest to the loan. W hen one of those pe riods end, the payments always more than double. The original loan was for {$15000.00}, the current balance is {$26000.00} and in 2 years it will be {$35000.00}. The money comes directly out of our checking account every month. Because this is a  Parent Plus loan, they w o n't even discuss moving this loan to our son whose loan it really is. In   XX/XX/XXXX ,  my husband was laid off an d 2 weeks later had a   XXXX   XXXX . We had to do a deferment/forbearance. My husband did recover and obtained a new job making only about 60 % of the salary he used to make. The payment went up after that. We filed Bankruptcy i n  XX/XX/XXXX  and could not get this discharged. On  XX/XX/XXXX , mu hus band had his  XXXX   XXXX . He is currently on   XXXX   XXXX    XXXX  and not sure if he 'll have a job to go back to. We received notice fro m Navient that the  payment was going from {$210.00} to {$460.00} a month at the beginning  of  XX/XX/XXXX . I arg ued with them for quite a while and did get it lowered to {$210.00}. But in 2 years that Payment is going up to {$630.00}. I am  XXXX  and have not been able to get full time employment and work as an   XXXX   XXXX  . My husband is  XXXX  and we have no idea if or when he will recover from this  XXXX . We just need this to go away. All  XXXX  of my children have incurred loans of  $   XXXX   or  more PER YEAR. The totals are ove r $ 100K t hat they each owe. Something needs to be done. There ar e  XXXX  other Parent Plus loans ( because that 's all that the colleges accept anymore ), but with differ ent companies and they are a small bit easier to work with. There needs to be some protections in place for all the Seniors that are getting stuck with these loans. We live in Illinois and hope we can be part of the law suit against  Navient. Because of the  XXXX , we are currently losing our home as well. When I explained that to Navient, they still did n't want to work with us. We ca n't afford this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX I had numerous issues with XXXX ( XXXX ) billing and it would take me hours and even days to clear up the issues. I had been treated very poorly by XXXX representatives. XXXX ( XXXX ) was billing me on behalf of XXXX ( XXXX ) so XX/XX/XXXX I asked XXXX to stop billing for XXXX and contacted XXXX to begin billing me directly. XX/XX/XXXX, I paid {$130.00} to XXXX. XXXX tried to bill me same amount ( {$130.00} ) that had already been been paid to XXXX. I received a letter dated XX/XX/XXXX from Central Credit Services ( CCS ) that I owed XXXX {$130.00}. I called CCS and spoke with XXXX who said to send proof the debt was paid. I faxed the proof XX/XX/XXXX. I pulled my Experian credit report on XX/XX/XXXX and found that CCS had reported the debt to XXXX ( and probably the other credit reporting agencies. ) I called CCS and XXXX spoke with XXXX then XXXX ( the first rep I had spoken to in XXXX. ) I asked XXXX why the debt showed up on my credit report when I had sent proof of payment in XXXX. She said that I still owe the debt to XXXX even if XXXX was paid. There was no indication that the proof had been forwarded to XXXX. I argued I did n't owe XXXX but XXXX repeated I did. I asked why I was n't contacted and told this after I submitted my proof of payment in XXXX. She said she had been out on XXXX leave. I asked if her desk was covered while she was gone and she said no. I believe this to be unfair collection practices and that I was lied to by XXXX. As I have a pristine credit report, I am livid this ended up on my credit report. So not only does XXXX try to collect on a debt already paid, but they involve Central Credit Services to harass the debtor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a collection account listed on my credit reports by a debt collection agency, CCS-Credit Collection Services, collecting on behalf of XXXX XXXX XXXX XXXX CCS is not licensed to collect in the state of Florida and therefore I am disputing this collection account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem adding money

Complaint: capital one blaocking digital wallet transfer

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Mortgage) with BWW Law Group, LLC (MD).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: XXXX same as XXXX XXXX XXXX fraud documentation robo signing reied on by co conspirator, indecome globalserices, XXXX, BWW XXXX Collector forecloure mill .for deception and faulty evidence.debts that often could not be verified or may not be owed. Debt collectors BWW and conspirators named XXXX, BWW, XXXX, BANK XXXX use the court system for purposes of intimidation ( ASSIGNMENT FRAUD, FRAUD AND MULTIPLE VERSION COPY OF NOTES, FRAUD allonge, create mortgage notes using modern technology, fraud lost note affidavits none these document were ever certify as true and original copy by a practicing attorney in the foreclosure mill even with almost XXXX foreclosure mill attorney attached to this case. 
XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX knew these documents were fraud but continue o file even fraud note manufactured using the miracle modem technology, undated allonge signed by XXXX XXXX, of XXXX XXXX, and XXXX XXXX fraud stamp that on the note even ( several years she may longer work with residential funding, XXXX, home comming, that no longer cease to exist ), Introducing faulty or unsubstantiated evidence, Intimidating consumers with deceptive court filings THEY used sworn statements OF fraud affidavit, declarations of debts, assignments fraud prepared by XXXX prepared and robo signed from contract robo signer that claimed to be officers of multiple banking institutions attesting to details about consumer debts to support its lawsuits with no personal knowledge of defunct entities.when challenged their defense are baseless without merits.see similar actions of foreclosure XXXX law XXXX Firm Reaches Settlement with CFPB over Debt Collection Lawsuit XXXX XXXX, 2015 Under a settlement with the CFPB, the Georgia-based debt collection law firm will pay a {$3.00} XXXX fine and nsure the existence of a variety of non-monetary compliance policies and procedures. 
On XXXX XXXX, 2015, Judge XXXX XXXX denied the XXXX Firm 's Motion to Dismiss in the case Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX, 2015 ). In doing so, the district court concluded that the practice-of-law exclusion does not bar the CFPB 's CFPA claims. IN A SIMILAR CASE the CFPB has ordered XXXX of the XXXX law firm 's clients, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, to overhaul their debt collection practices and to refund millions to harmed consumers. The Bureau will continue working to ensure all players in the collections market treat consumers fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Debt collection (Credit card) with Lustig, Glaser & Wilson, P.C. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a credit card back in XX/XX/XXXX, the company at the time with XXXX.this company was brought out by another company.when I try to make payment on it and call the number on the back of the credit card the number was no longer in service. I could n't find any information on this company so I just leave it at that.over the years I move from the current address that I was leaving before when I got this credit card..I recently received a warrant in the mail saying ; XXXX warrant of Arrest notice that state final notice the day before I was to appear in court on XXXX XXXX XXXX. when I went to court with the blue ticket that I receive in the mail I did not have any idea what this was about, so I went to the XXXX desk for information XXXX she told it was about a credit card that I owe on over 12 years ago that 's a charge off on my credit report. come to find out it was a credit card agency collect in debt that call, Lustig, Gleser & Wilson, P.C. # XXXX clean I owe them {$2900.00}, which I never spend that much money on a credit card.when I arrived to the courthouse the guy told me at the entrance to wait over by the side where all the benches are. the guy came in and collect the slip and then he gave me a paper to fill out with my financial statement in the lobby of the courthouse. after I fill out the paper I give it to him and then a lady call my name on the other side of the lobby. she looked over my final statementand asked me what can I afford to pay. me being scared and do n't know much about this I 'm I right the way. after I signed a paper she said she was going to give it to the judge. that was very unprofessional because I did not stand in front of a judge. this was at west XXXX division of the XXXX municipal court. what happened to the statue of limitation rights against collection agency collectin debt that is over to 12 or more years ago no proof. when I came home and call the collection agency to find out what this was about it was giving me the running around. they told me that I owe XXXX XXXX XXXX this portion of money. I tried to explain to them that I do not have a card with XXXX XXXX XXXX or they talking about XXXX and is so I did not hold that much money on that card.then he gave me another number to talk to somebody else.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Settlement process and costs

Complaint: I recently sold my home and had to pay a {$500.00} escrow because I have no proof that a prior mortgage has been paid off. So now I can not get my {$500.00} back. I have spent hours on the phone with Bank of America and gotten nowhere ; mostly just listening to hold music and getting disconnected

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 02-05-2018 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The apartments was over 10 years ago that has been removed from my credit report. I tried to tell the representative that my sister also called to explain to Pro Collect about the nature of the un owed debt which has fallen off my credit report and she wouldn't speak to her. I recently pulled my credit report and XXXX XXXX isn't on there. I wan them to remove my number and stop calling me before I purse legal action against them.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Paramount GR Holdings, LLC (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I received a call from XXXX XXXX XXXX, specifically from a lady by the name of XXXX XXXX, who asked if I was still interested in refinancing. I told her no, explained that I was working with my lender because other lenders have not been able to assist with my needs. I told her I did n't want to speak to an account rep/exec because I did not want an inquiry made on my credit. She assured me that there would not be an inquiry made on my credit without my permission first and transferred the call to XXXX XXXX. I spoke with her and she gave me some possible lending options / scenarios but never asked if she could pull a credit inquiry. A few days later I received a credit score disclosure document from XXXX stating that a report was prepared for XXXX XXXX. I contacted XXXX XXXX immediately to complain and ask that the inquiry be removed from my credit. OnXX/XX/XXXX XXXX XXXX contacted me and he notified me they would not remove the inquiry because they had " permissible purpose '' to pull inquiry and also express consent based on lending tree interest application I filled out. I was told that they would send me a copy of such, which I am waiting on. I called lending tree and was told that the only time express consent is given to run credit inquiries without prior permission is for car loans and credit cards. I also made a call to XXXX XXXX XXXX general counsel XXXX XXXX. He said he would look into the matter and get back to me. I asked that he pull and listen to full call from the point the dialer made initial contact with me so that he could hear the full discussion I had with both XXXX XXXX and XXXX XXXX. I was assured by XXXX XXXX that I would not have any inquiries made on my credit without my permission. When I spoke to XXXX XXXX he said he only listened to portion of call with XXXX XXXX. I asked him to listen to the full call as well, and he told me that even if XXXX XXXX told me that an inquiry would not be made without my permission does not mean it is so because they could run an inquiry as long as they had a permissible purpose, which was me speaking with account executive. I explained to him that I did n't even want to speak to executive and made this very clear, and that I would have just hung up if it were n't for XXXX XXXX assuring me that no inquiry would be made on my credit. Every other lender that has contacted me has asked permission to run my credit, and I have said " no '' each timeXXXX XXXX XXXX XXXX was deceitful in their tactics and practices, and made an inquiry on my credit knowing that I specifically asked them not to. I will be pursuing a lawsuit if they do not take the proper action to rectify their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The wrong phone numbers are listed. The only correct phone number is my cell phone number. There are XXXX social security numbers on my report that are not mine and I have only used my correct and original social security number. I never tried to obtain a car loan in 2014 and there are numerous other false statements. It is my belief that possibly my ex-wife of 20+ years and or my son or daughter, both of adult age may have used my personal information. I am trying very hard to get my credit in good standing and so far I am doing pretty good as I try to carry no credit card balance. Have always paid my rent on time. It is just demoralizing when you are trying so hard and see mistakes such as XXXX wrong social security numbers. XXXX Towns that I never lived in. That being XXXX, Ma. and XXXX, Ma. and possibly XXXX, Ma.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing has engaged in unfair practices by systematically imposing obstacles to make it as difficult as possible for me ( and presumably all customers ) to obtain a pay off quote for my home mortgage loan. Ocwen 's practice of obstructing customers ' access to pay off quotes is harmful because it prevents customers from obtaining information necessary to re-finance home mortgage loans at lower rates, while allowing Ocwen to continue collecting interest from customers at higher rates. When I called Ocwen to obtain my pay-off quote I was told that they could not provide it to me. When I pressed, I was told the only way they would provide it is by mail. It has been more than 10 days now, and I still have not received the quote by mail. I attempted to retrieve the pay off quote online, and Ocwen again placed several barriers to access my account including : a minimum four business day waiting period, requiring me to include my XXXX digit zip code ( rather than the normal XXXX digit zip code ), requiring me to re-register my account and re-setting my user ID and password. Even after completing these tasks, the Ocwen website advised that it would take several days to email the pay off quote. I continue to await the pay off quote, while missing out on opportunities to re-finance my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Student loan (Non-federal student loan) with Social Finance, Inc. (DC).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I went to SoFi web page to see what rates would be for a refinance of my student loans. The website is confusing and directed me to enter my name, address, zip code, phone number, DOB, citizenship, home ownership, school info, employment info and current student loan information. In hindsight outside requesting my social security number ( they did not and this was not provided ) this was an application for credit. Why must we fill out an application for credit to obtain rates for a refinance. 
When I hit enter on the web site or as they wrote " submit to see my rate '' I was declined. I then received a form letter ( digital ) stating " After carefully reviewing your application, we are sorry to advise you that we can not grant a loan to you at this time. If you would like a statement of specific reasons why your application was denied, please contact our SoFi XXXX XXXX XXXX within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request. 
I phoned SoFi to figure out what was going on and explain I did not request credit from them, I only wanted rates. I was told that they pull a " soft '' inquiry on my credit and based on that I was declined. Ok .... It did not seem to me that I was granting them the ability to " soft '' check my credit or that I was applying for credit .... I just wanted rates. 
In my humble 15 years as a Consumer Underwriter and Manager for a XXXX bank that must adhere to all the CFPB requirements, that this was a very deceitful tactics to create an application and render an unwanted credit decision, good or bad. The Website is very misleading and very upsetting to me as a consumer that to find rates I must first be run through a credit check? I understand rates change with credit scores, however they should be published for the viewing public?

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: We negotiated a settlement which involved removal from my credit report plus they were also contacted about the information stating the opened date was wrong. They have continued to report even though the settlement was for certain amount removal and corrections of the information of date opened. They have continued to do this with any debt they are issued instead of using the date the debt first became delinquent.

Company response to consumer: Closed with explanation