milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2016 about Debt collection (Credit card) with The Moore Law Group (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The Moore Law Group has continued to escalate the amount owed The amount owed at time of filing on XXXX/XXXX/XXXX was {$11000.00} and adding their interest and judgment of {$2200.00} plus {$25.00} for writ fees, the amount came to a total of {$14000.00}. On XXXX/XXXX/XXXX, the Moore Law Group garnished my credit union account for {$1000.00}, leaving only {$25.00}. However, in their writ of execution on XXXX/XXXX/XXXX, they acknowledged that the amount taken from the credit union was {$1000.00} which was incorrect. However, with the interest added in the amount of {$3400.00} increased the total amount owed of {$14000.00}. They ignored the fact that I was not credited the correct amount withheld from my credit union and also ignored the fact that on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, Card member Services sent me two letters informing me that they were crediting me {$6.00} and {$3.00} for a total of {$9.00} which has never been credited to the enormous overpayment that is continually increasing rather than decreasing. At one point, I called to make payment arrangements but was told it had to be a certain amount each month based on how they had it set up but based on my finances, I could not afford the amount they wanted on a monthly basis. Even after they took all the money out of my credit union account, they harassed me by sending information to garnish my check. However, because I am not employed, there was nothing to garnish. I feel the Moore Law Group has violated my rights and have escalated the amount owed to an outlandish amount of {$14000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (NY).
Issue: Application, originator, mortgage broker

Complaint: I am in the process of refinancing with another mortgage company. All my paper work is complete but they need XXXX documents from Seterus. The request was made XXXX XXXX. To date XXXX XXXX we still have not gotten the documents despite calls from lawyers etc. they are preventing me from closing. How can I get assistance? XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (OH).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a checking account in XX/XX/XXXX and the terms stated with {$300.00} direct deposit receive {$200.00} bonus. I had DD 2x a month for several months and did n't receive the bonus. I have followed the terms to a T and since I 've tried calling, doing live chat and sending secure messages I would like to have this matter resolved. I feel like this company might be preying on senior citizens. They attempt to be confusing and state different terms or reasons to deny me each time I contact them. 

The terms I signed up for : To receive the bonus : 1 ) Open a new BMO Harris Smart MoneyTM Account, BMO Harris Everyday Checking, BMO Harris Select Checking or BMO Harris Portfolio Checking account between XX/XX/XXXX and XX/XX/XXXX in a  BMO Harris Branch, by calling XXXX, or by clicking open now above.Well automatically apply the {$200.00} offer promo code when you apply online 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. 
Cash bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes. You are responsible for any applicable taxes. Offer can not be combined with any other offer, is non-transferable and is limited to one per 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 05/27/2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (CA).
Issue: Deposits and withdrawals

Complaint: I have an account with Ally Bank and over the past 6 months I have overdrafted my account between paychecks. The maximum amount that my account was overdrafted for was {$75.00}. On Wednesday, I deposited a check for the amount of {$4000.00} which now Ally bank is holding until XXXX XXXX for NSF reasons. When called multiple times, Ally Bank first informed me that they were required by law to hold the funds for 5 business days due to Regulation CC ( I looked up regulation CC and informed them that had no such requirement ; Regulation CC requires them to inform me if they place a hold, not place a hold itself ). Upon providing this information, the line went silent and the agent hung up on me. I called Ally bank back and was informed, that it does n't matter what I do. All checks will be held for up to 5 business days regardless of the amount. I find it grossly unfair that a bank can place a hold for an arbitrary amount due to repeated overdrafts ( I offered to have part of my check to be held that was a reasonable multiple of the overdrafted amount in the past ). Additionally, I find it fairly misleading that banking institutions are informing consumers that they are *required* to hold funds, while rather they are required to inform consumers to hold funds.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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 have been trying to work with customer service on multiple occasions to get validation of inquires that have been placed on my report. I have also attempted to contact some of the companies that are listed on my report as inquires but have had no success. The customer service reps have been unhelpful in assisting me in removing duplicate, old outdated and inaccurate inquires and constantly transferring me to multiple representatives resulting in no correction. Please validate the inquires listed on my credit report or remove them within 30 days as some sure have been added in error or without authorization.

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 07/14/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Pinnacle LLC C/O Resurgent Capital Services placed a debt on my credit report from 2014 just recently. My newest credit report shows them added when last month they were not listed. I never received any notification from this company about this debt. My credit report states the debt is {$1600.00} and this is all I know. I have no other information about this debt other then what the credit bureau states.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Mortgage (FHA mortgage) with MORTGAGE 1 INCORPORATION (FL).
Issue: Settlement process and costs

Complaint: I applied for a home loan with Mortgage 1. The loan I was looking to get was for first time home buyers, FHA 30 year fixed. I just graduated XXXX school within the last year so my pre approval and closing of the loan was supposed to be on my last years income. My loan officer took my financial income for 3 years prior instead of only using the last years income. I called and emailed my loan officer and her office secretary a number of times stating I wanted to know the daily interest rates and I wanted to lock in my loan when I was ready to do so, depending on the daily rate. NO one ever knew the daily loan rates and never would get back to me with the information I was asking for. My loan officer then told me her secretary locked in my loan rate with out my approval and did not even know what she locked it in at. My moving date was 3 days away and I was told If I did not sign the paper work I would not get the house. After figuring out the interest rate she locked me in at I questioned why it was so high from what was quoted to me. Her response was My credit was really bad and I dont get a better rate. FHA loans do not discriminate on credit scores. FHA excepts interest rates at XXXX my credit score was XXXX. My loan was charged a point over what it should have been. The lender made about 18 grand off my FHA loan. I also had to use their attorney for escrow, where the real estate attorney removed closing statements that were the lenders closing statement from my closing documents, stating the numbers where off due to a glitch in their system. My federal house loan ended up costing me XXXX, I went FHA because I felt like it would be a safer loan in consumer protection. These people made a ton of money off a single mother of XXXX children who works full time and is a XXXX. XXXX an unhappy Federal backed home loan consumer who got robbed by a business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Medical) with Profit Services Group (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a car accident XXXX/XXXX/2016. i had several bills including XXXX from XXXX. my account number XXXX. it took months for them to acknowledge my XXXX and XXXX information. i would call several times. in XXXX my auto insurance XXXX had to send out a letter to all the people left owing that i had exhausted the {$10000.00} and to please file with XXXX and XXXX. the supervisor at XXXX XXXX XXXX sent me into collections XXXX/XXXX/2016 ( he told me this morning ) because there was a conflict between XXXX and XXXX. like it was my fault? you know the rule, something about 90 days in arrears and it goes into collections. even knowing that it is being processed is my concern. eventually i found out by phone ( my call to XXXX ) that it was finally paid and i owed {$34.00}. that day XXXX i sent a check and it went through my bank account on XXXX/XXXX/16. on XXXX i get a call from Profit Collections wanting the {$530.00}. she wants proof its paid. i have no fax and no car. lost it in the accident. do n't you think it would be easier for Profit to call their Customer, XXXX instead of harassing me. they have harassed me again this morning. i am sick and tired of being harassed at home, under medication, trying to get well and NOT owing anything. are they all stupid? XXXX knows its paid. why do n't they call off their wolves?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MFP, inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested validation several times and nothing received. Please help

Company response to consumer: Untimely response
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose prepaid card) with INCOMM HOLDINGS INC. (KS).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: My social security XXXX was direct deposited on my XXXX card on XXXX XXXX 2017. I was visiting XXXX ok with my son. When I got home I noticed the card was missing and reported it. The company sent me a new card. Now Incomm sent me a letter refusing to credit my account. Someone stole my card and withdrew XXXX and XXXX within two minutes from an atm. I never gave permission or my pin to anyone. I need this money to live on. I am XXXX. Please help. I am attaching the letter Incomm sent. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Paid In Full, Inc. (FL).
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 have disputed this collection account with PIF 3 times and they have been unable to validate the debt. There is no contract or signed contract and have requested this collection account be removed from all  XXXX  of my credit reports,   XXXX   XXXX   XXXX   XXXX  . This collection account is still reporting on my  XXXX  credit report. I also disputed wi th the Credit Bureau (  XXXX  ) to  have this removed because the collection account can not be validated and they still continue to report this collection account on my credit report stating it has been proven valid and it has not.

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: My identity was stolen which included but was not limited to Federal income taxes being filed without my permission. On XX/XX/2018 I requested the validation of these 2 accounts on my Experian credit report : XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX I received a letter stating that the debts were verified with no supporting original documentation. Telling me that the accounts are correct without validation does not support a valid investigation per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). They are only stating the exact information that I questioned to begin with.

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 09/29/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A collection account from XXXX XXXX XXXX in the amount of {$62.00} was recently deleted/removed from my Equifax credit report, but has been currently reinserted by Equifax. I believe this to be retaliation for my contacting CFPB with a previous complaint regarding my credit score. An Equifax representative told me that this collection account was from a new collection agency. However, I explained to the representative that this was the same collection agency as before, not a new collection agency who sold it to another collection agency to be reinserted. At this point, I requested that the collection account be removed/deleted as before, but was told by the rep she could not have it removed. This collection account was initially removed/deleted on XXXX XXXX, 2016. It is now beyond the statutory 30 days for removal. A supervisor at XXXX told me that this account was removed from XXXX my XXXX and Equifax credit reports, for which they reported in XXXX 2016. I do n't recall the collection supervisor name at this point. 
In closing, I want the collection account deleted, and my credit score be adjusted to positively and numerically reflect the removal/deletion. 

Respectfully submitted,

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

Complaint: Applied for new job and Equifax Report is inaccurate in few areas. My work history on there is from XX/XX/XXXX or so. It is not current. Also, my house sold on XX/XX/XXXX and it does not show on my report. I need to have my information updated. 
I have reached out to Equifax through their site Trusted ID and dont know how to get a hold of them to resolve my inaccurate information that is hurting my chances to find employment. 
Thank you for any assistance or guidance you can give

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (OH).
Issue: Getting the loan

Complaint: On XX/XX/XXXX I contacted Mariner Finance via phone in their XXXX, OH office at XXXX. I spoke with Branch Manager XXXX XXXX who took the initial application and ran my credit report. After pulling my credit report she then interrogates me like a detective to ask why this debt was in collections or why this debt was charged off, etc. When you offer a valid explanation, they do n't think its a good explanation and they keep criticizing you like they are much better then you. The problem is to that when they pull your credit report not all the information they obtain is accurate and you should n't have to explain yourself to them, its as if almost they do n't believe you and think your lying. I have proof to back my stuff up. Well, anyhow I called Mariner on XX/XX/XXXX to get the status of my application and I was advised it was denied. Why was I denied I asked, I was told it was denied because of the past delinquent credit obligations and I WAS ALSO DENIED DUE TO PREVIOUS JUDGEMENTS THAT WERE FOUND ON PREVIOUS APPLICATIONS AND CREDIT REPORT. HOWEVER, ALL MY JUDGEMENTS HAVE BEEN SATISFIED AND HAVE BEEN REMOVED FROM MY CREDIT REPORT. When my credit was ran on XX/XX/XXXX, there were no judgements reporting. However, XXXX XXXX advised that a previous credit report was used to determine my credit worthiness and found several judgements on a previous application. How is it legal for a company to use an outdated and erroneous credit report? I spoke with XXXX from the XXXX, OH Mariner Finance office on XX/XX/XXXX and questioned him with, how can you use false information from a previous credit report that is not current, and not up to date, XXXX never answered the question. He avoided the question by all costs. I have applied with 2 other financial institutions outside of Mariner Finance and have had a positive experience and was even approved for a non-collateral loan. Mariner is a subprime lender only looking to loan to Excellent Credit candidates. What I mean by that is, they want to rip off candidates with high credit scores. Mariner Finance needs to accept they are a subprime lender and not a prime lender.

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 07-03-2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Professional Debt Mediation ( PDM ) is trying to scam consumers into paying more than they are required to pay for past due debts. I will admit that the amount that was sent from the original creditor is incorrect, but I have since spoken to the original creditor as well as PDM to have the amounts adjusted. Both parties have admitted that the amounts are incorrect on separate occasions over the phone, but no one will send me anything in writing correcting the amount. <P/>The original debt is for XXXX XXXX XXXX which was formally owned by XXXX XXXX XXXX. There are two standing issues with the amount I am accused of owing. First, in order for me to move in to said apartment, I had to pay a {$850.00} deposit as well as {$190.00} non refundable administration fee, plus the pro-rated amount for the first months rent. Upon the day of my move out I was charged an extra month of rent. They are unable to explain to me why I am charged for another month of rent and it shows up on the balance sheet given to me as " Other - Balance on Account ''. On top of that, they did not apply the {$850.00} security deposit I paid upon move in. One the balance sheet that was provided to me, it says " This is a notice of the landlord 's intention to imposes a claim for damages/charges in the amount of {$2100.00} upon your security deposit in the amount of {$0.00} due to : .... '' then it addresses the reasons. I I have made this very clear to PDM that the balance that they say I owe shows my security deposit as {$0.00} ; however, my lease ( that they have a copy of ) shows I paid {$850.00}. They have since acknowledged the mistake over the phone, but each time they send me " verification '' via mail, it says that they have sent me verification already and are not required to send me anything further. Copy of the lease and the balance I owe is attached.

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 03/20/2016 about Debt collection (Medical) with Asset Recovery Inc (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX sent me a letter in XXXX XXXX stating I owed {$540.00} on a service from XXXX XXXX. XXXX XXXX XXXX then explained that this was an error on their part and that they were going to get in touch with my insurance company. I did not hear back from them from that last phone call. I then received a letter from Asset Recovery , Inc. in XXXX XXXX stating they were a debt collector and was attempting to collect a debt for XXXX XXXX XXXX. This came as a shock for me because that last I heard from XXXX XXXX XXXX center they were contacting my insurance company to fix the error they made in billing on their part. After numerous conversations back and forth with Asset Recovery for about 2 weeks trying to explain to them what happened and also trying to make payments to them for it ( and got returned checks ), they then placed it into collections when I was in contact with them consistently and tried to make payments. This debt is now effecting my credit score and it still sitting on my credit report after numerous calls and attempts to pay the debt. Asset Recovery put this debt onto my credit report PRIOR to even notifying me that this debt was in collections. Since this company was not acting in good faith my attorney advised me to pay this debt in full which I have just done.

Company response to consumer: Closed
Consumer complaint received 03/15/2016 about Debt collection (I do not know) with The Eastbrooke Group LLC (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A woman named XXXX XXXX called me stating there was a pending fraud case against me stemming from a deposit that had been red flagged as fraudulent. She did not state what organization she was affiliated with. When the call came through originally I did not answer it as it came up " anonymous '' on my caller ID. 

I did not find out that she was with the Eastbrook Group LLC until I called the XXXX XXXX number she left in the very threatening sounding voicemail.

Company response to consumer: Untimely response