milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Consumer Financial Protection Bureau, I received two letters from XXXX XXXX XXXX, one in XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my XXXX, XXXX, and Experian credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : XXXX, XXXX and Experian and XXXX XXXX XXXX in XXXX XXXX that the amount was correct and would not be changed on my credit report. Thank you. Concerned Customer

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 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I checked my credit report in XXXX, XXXX, and found a collection account ( account number is XXXX ) that I was unaware of, as no notice had ever been sent. When I contacted the company, I asked on XXXX separate occasions for documentation supporting the amount they claimed was owed. ( I did not dispute the validity of the debt, just the amount. ) Both times I received a billing statement from the original creditor, XXXX, but never any itemized information, nor the original credit application. Finally, I agreed to pay the amount in full, if they would remove the item from my credit reports. They agreed, and in XXXX, XXXX, I paid the account balance in full and was told that the item would be removed from my credit report within XXXX business days. It is now almost XXXX, the collection account is still showing with all three credit reporting agencies, and I have disputed it multiple times with each agency, and it is still being reported as accurate. Recently, I wrote to each agency demanding documentation supporting this being on my file, pursuant to section 609 [ 15 U.S.C 1681g ], and it was treated by each as a dispute, with the documentation never provided. ( These are separate  complaints. ) I feel the company has both a legal and ethical obligation to remove this account from my files with all three credit reporting agencies. Their failure to do so will leave me no choice but to include them in future complaints to my State 's Attorney General concerning this, and other matters with the credit reporting agencies, should the CFPB fail to enforce the FCRA.

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 10/17/2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (MD).
Issue: Application, originator, mortgage broker

Complaint: Back in XXXX, 2015 I was checking the options to refinance my single family house mortgage of {$630000.00}. After watching the Quicken Loans TV advertising, I decided to find more information about my chances of refinancing. 
Since I begun checking the loan options with this company, starting XXXX XXXX, 2015, I was persuaded by their very persistent representative XXXX XXXX ( XXXXXXXXXXXX Phone : ( XXXX ) XXXX XXXX ), to send him my two years tax returns. After a day or two he called me back and told me that I 'm certainly qualified to begin the process. XX/XX/XXXX the process begun ( Loan : XXXX ), through which I was recklessly dragged for almost 4 months through several of QL associates, who tossed me blatantly from one to another, with repeated documents requests. They continued to extend the date for their decision, up until yesterday XXXX XXXX, after my repeated requests to find out about the loan application status, I received a totally ridiculous and irresponsible answer : QL could n't match a home loan with my current needs. 
Prior to this message, on the same day, I got another response to my question placed onMY QL online board on XXXX XXXX. The message was somewhat strange, but nevertheless different. The message notified me that all Jumbo Loans applications that were submitted after XXXX XXXX are being affected with new rules. I did n't understand how this could 've been related to me, since I begun the process XX/XX/XXXX. At the end of the same day I got an email from the same gentlemen, I begun the process with - XXXX XXXX, with the message of denial. Later I got a call from another rep with the same message, who did n't want to disclose the reasons for their decision, as well as did n't want to reveal the name of the underwriter to enable me to appeal their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan servicing started charging me monthly late fees once they bought my loan out from XXXX XXXX. They will not respond to my e-mail request to correct their mistake. I followed the procedure given to me from their customer support telephone contact number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: They can not produce a credit appl or a repayment agreement or load document to verify this as a legal debt

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Credit card) with Credit Bureau Collection Services, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is my personal cell phone. I thought creditors could n't call the personal cell phone when it is registered on the DO NOT CALL LIST. These people are calling early in the morning. They are annoying me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2017 about Debt collection (Medical debt) with AR Resources, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have tried to resolve this matter with the original creditor XXXX XXXX XXXX XXXX and AR Resources who is collecting on behalf of the creditor at the time of service I had 2 health care insurances and the hospital did not bill correctly. Upon receiving the bill in the mail I called to provided XXXX XXXX  with copies of my insurance cards they refused to bill insurance due to being a car accident.I was hung up on talk to condescending but the representatives and flat out lied to saying that it will be taking care of and I would not receive any more calls. After several unsuccessful attempts to have issue resolved. I than had my lawyer contact them requesting all bills to be sent directly to him. ( I have copies of the letter from my attorney XXXX XXXX dated XXXX/XXXX/XXXX ) They have ignored his request as well. The account was than referred to AR Resources I was contacted by them an explained the situation the agent refused to bill my insurance and states that the time frame has passed and I would have to pay the money myself. I than called my insurance company who states that there was no time frame for the bill that XXXX XXXX did not send an itemized billing statement so that they may pay they requested that they send one and the bill will be paid. AR Resources on half of XXXX XXXX has refused to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We have been trying to get Bank of America for almost 4 years to adjust our mortgage. The purchased it from County Wide. Instead because we have never been behind they have now raised our mortgage rate and added taxes and want to place our Flood Insurance. We have paid our taxes and we have paid our taxes and homeowners. When asked for help they have made it worse by increasing our loan and equity payment. We will get to a point that we will have trouble. We discovered that in 11 years we have paid our own flood and have paid taxes and homeowners insurance. We are XXXX and this is our only home. They sent this information to us because we refused to sign a paper saying that we would not sue Bank of America or Countrywide. In our Country Wide loan and Bank of America paid our own taxes and Insurance. They never requested that before. We have paid our Flood and we have paid our taxes. Over all of these years only {$300.00} has been put on our Equity. We are XXXX and will get to a point that we will have trouble. This is our only home. We know that a Class Action suit was won against Bank of America and Countrywide. We were not aware of it at the time. Rather that help, they are trying to make it worse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: In XX/XX/XXXX me and my family received news that the home we were living is going to be sold and were forced to move out. 

I then applied for a townhouse to rent and after conducting a credit check the property management company indicated to me that I needed to reach out to " XXXX XXXX '', aka " Rent Collect Debt Global '' and get a payment arrangement letter before i was approved to move in for a past due bill. 

I then proceeded to call this Collection Agency who in turn agreed to work out a payment arrangement but then refused to provide me with a letter outlining the agreement because they new i was trying to get a home for my family of XXXX that included a XXXX child. I asked why, and XXXX informed me because it 's not apart of their policy? I then in turn asked what a settlement option would be, and they give me a figure of about XXXX and agreed to email it to me which they did with a due date for that day? I do n't understand why they 're allowed to email a Settlement letter but not a PPA letter? Nevertheless i forwarded this to the property management company per their request and informed them that the collection agency refused to provide me a PPA letter but did agree to a settlement letter? He informed me that this was very odd but would look at the settlement letter. 

The next day i followed up with the property management company and he informed me i was denied because they called this collection agency and spoke with XXXX who informed them i was n't making any payments, and the account was still outstanding? This is a clear third party violation that has had a devastating effect on my life. 

My family and I are essentially in the streets living house to house with friends and family. I 've contacted our Colorado XXXX XXXX and they 're looking into helping me and my family but nothing has come about yet. My XXXX kids also just started school and the XXXX stress, coupled with the financial burden this has put on our family is unfathomable. We have to sleep at XXXX separates houses every week which has put a burden on people who do n't deserve it. 

I get that i owe a Debt, but conveying personal details, and denying me an opportunity to receive a written agreement about my debt is very unprofessional and wrong. The only reason why they did this is because they knew i needed it to get a place to live. They 're holding it over my head, and using it as leverage to exploit the fact that i cant get a place or move on in life without it. I feel I 've been treated un fairly, i mean in all honesty i think it 's far fetched that they 've never given anyone a payment letter before

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (I do not know) with Rent Recover, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was suppose to move to Iowa and I did n't due to no XXXX i return the keys and the landlord is saying I did n't the power and everything was turned off in my name and I did n't know anything about this being on my credit till last year I didnt receive a notice or anything

Company response to consumer: Untimely response
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This account does not belong to me they put an account that doesnt belong to me

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 08/25/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Alliance Data Card Services (IL).
Issue: Confusing or missing disclosures

Complaint: Made a simple PAYPAL purchase on XXXX. I had a credit balance. I then received a bill. Confused, I called them only to learn that by clicking the button called Paypal credit, XXXX SECONDS LATER they slammed me with a {$6500.00} XXXX line of credit! I never needed wanted or asked for this! They said it was confirmed in an email - IT WAS NOT! They named a new product as what I thought I have always had ... .PAY PAL CREDIT ... .what do they call the other? its purposeful and I 'm furious. I called them and closed it down ... telling them what I thought. THEY NEED TO BE STOPPED

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan modification,collection,foreclosure

Complaint: As of today 's date : XXXX XXXX, XXXX, Wells Fargo Mortgage has failed to provide a XXXX XXXX XXXX for XXXX. I am currently trying to get a discharge on my Ch. XXXX bankruptcy ( which I had to file to protect my equity and retirement home from Wells Fargo foreclosure proceedings ) and filing my taxes is the last leg. I am current on my post-petition payments ( made by me personally ) and WF says I have paid XXXX interest for XXXX on the automated call-in ; the online XXXX is not available, as it is showing the XXXX amount. 
Conversely, there is a total of {$25000.00} mortgage interest listed on my XXXX/XXXX/XXXX online statement. I called this morning to have the correction made, and they put in a " work-order '' and said the corrected form would be mailed to me in a few weeks, by XXXX XXXX, XXXX. [ When do you file YOUR taxes? ] This is causing added anxiety and stress and may affect my financial well-being. I just am recovering from a five-year repayment plan due to Wells Fargo 's inefficient accounting system, which also ruined my good standing in my community, and my excellent credit XXXX XXXX XXXX, equally important. 
My research shows that this is not unique to me, as WF has already been successfully sued for their mishandling of Ch. XXXX accounts, including punitive awards of XXXX XXXX. It does not appear that they have changed anything, and many others may be suffering from their devious and deliberately confusing accounting system. I am a XXXX in the state of Hawaii. I feel it is my obligation to reveal what I know and help others avoid undue loan problems.

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 09-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I attended the XXXX XXXX XXXX XXXX XXXX XXXX, a for-profit school, from XX/XX/XXXX-XX/XX/XXXX and graduated with a XXXX degree in XXXX. Well during that time no information was available about for-profit schools, accreditation, etc, so I had no idea what I was getting myself into. My student loan payments have always been estimated over $ XXXX/month because I was n't working and the of course the 10 % variable interest rate kept my interest growing rapidly during the time I was in deferment ( my balance has now doubled ). I am now an adult with a steady job ( no career because my degree is n't worth anything ) and I am trying to get financed to purchase a home. My private loan payment is now $ XXXX/month which based on my income makes me ineligible for an fha loan, I even looked at applying for an interest only payment which reduces my payment to {$800.00} which does not help me because I still will not be able to afford a house or an apartment in a decent area. I called Navient today to see what is the lowest payment I could potentially get and they left me on hold for an hour and 20 minutes, basically a waste of my time because no one ever picked up. These private student loan companies are ridiculous and I 'm not sure how anyone is ever expected to pay their loans back when they can get a high paying job with a worthless degree that the Department of ED allows students to receive funding for whether it be title IV funds or a private lender. 

I attended the XXXX XXXX XXXX XXXX XXXX XXXX - XXXX which I believe is now XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: ALL CREDIT REPORTING COMPANIES MUST CEASE ALL CREDIT INFO OM ME UNDER THE  F.C.R.A. 15 USC 1681a ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: I entered into a loan agreement with Wells Fargo Mortgage on Monday, XXXX XXXX, 2016. I had been preapproved for several months. I advised my loan officer that I was looking at many different types of homes to purchase. In XX/XX/XXXX, I asked if they lent on Manufactured homes. I was advised the did indeed lend on that type of home, if the land was included. A week or two later, I asked if they did leased land in communities. I was advised that if it was in an approved community, they would. I gave the name of my community. I checked back a couple of times, to verify a purchase was possible in my chosen community. I was advised it was approved. I closed on the sale of my home on XXXX XXXX, 2016. I signed a contract to purchase a home that afternoon and proceeded to start the formal loan processing process. I was advised I would need to pay {$610.00} for an appraisal. I gave the loan agent the number to my credit card. I forwarded all requested documents and signed all forms. I received a call from the loan processor the next day to go over my paperwork. He stated he needed the name of a title company, I advised him it was not necessary in Florida. I requested he speak to the agent at the community. I called to check on things on Wednesday, he said he was almost ready to submit my documents for approval. On Thursday, my agent called and stated that she had indeed spoken with the lender. I received a call from the original Loan officer that stated they would not be able to make the loan on the manufactured home because it was not being converted into real property and their bank did not do that type of loan. After the shock of having deposited money on a home, I now did not have a lender, I asked for my appraisal money back. I was told the refund had been processed. I checked my bank account from Friday to Monday, XXXX XXXX, no refund. I called on Monday and left a message for the processor with no call back. I called again later in the day and he told me he would check on it and call me back. I did not receive a call back. I called again Tuesday and given a tracking number for the transaction, that only is trackable through their system. I call my bank, they have not pending deposit. I call for a supervisor and got voice mail. I do n't understand why it takes this long to credit my 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 04/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with JPMORGAN CHASE & CO. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I disputed this debt with XXXX because I do not owe anything to XXXX XXXX XXXX for a Chase Account. I complained in XX/XX/XXXX on this site for them taking a check wrote to XXXX XXXX financial and cashing it on this account for Chase bank. They have now reported to XXXX that I made a payment on XX/XX/2015 claiming that check was a payment. So no they have committed fraud by cashing a check not wrote to them and they have lied to the XXXX bureaus that report your credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Informative Research (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Please remove these inquiries.

Company response to consumer: Closed with explanation