milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The mother of my grandson, XXXX XXXX, rented a home from me at XXXX XXXX XXXX, XXXX XXXX Michigan from XXXX XXXX XXXX XXXX XXXX when she left suddenly and moved back to XXXX. During the time she rented, she apparently installed XXXX cable in the home, and put it in my name without my knowledge or permission. She had access to our home and personal information as the mother of my grandson and a " family member '' of sorts. When she left the home on XXXX XXXX, there was a bill with XXXX in the amount of {$440.00}. I was not aware of the bill until a subsequent tenant gave me a copy of the bill being sent to that home, in my name. I immediately called XXXX and was given the name of a collection company named XXXX that I was to contact. I completed a fraud packet with Convergent as well as a police report and I was told the bill was removed from my credit. Subsequently, XXXX engaged the services of another collection company named Credit Management. Once again I completed a fraud packet for credit management and attempted to have the debt cleared. I later learned that XXXX refused to remove the debt, and in order to close on my mortgage loan I was forced to pay XXXX {$440.00} on XXXX XXXX, XXXX. I did so under duress, because I needed to close on my mortgage loan, and do not understand why they did not acknowledge all the proof I had that this was not my account. I never lived in the home on XXXX XXXX, and I never requested cable and internet service to be placed in my name at that location.

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My Company applied for Business Credit Card and it was never indicated in the same that they will run my personal credit report also. It was assumed that this is business credit card from XXXX XXXX Application ID XXXX. They denied the card personally to me where I never applied for the card on personal name and they ran the hard enquire on my personal name. this seems to be complete fraudulent activity causing damage 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 02/17/2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (VA).
Issue: Payment to acct not credited

Complaint: I had a loan back in XXXX with first Virginia loans. The loan has been paid off in full with bank statements for proof. Well as of XXXX they are saying my loan is in default and I have n't made any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Payday loan, title loan, or personal loan (Installment loan) with CURO Intermediate Holdings (CA).
Issue: Charged fees or interest you didn't expect

Complaint: There is no transparency : -No monthly statements, no payment history. 
-Attempts at online payments generate a pop up window that declares " online payments not available at this time ''. 
-My starting balance was {$3500.00} in XX/XX/XXXX, my current balance is {$3800.00} as of XX/XX/XXXX despite having made six on time payments of {$180.00} for a three month total of {$1100.00}. Even at an APR of 129.776 % the balance should not be growing. 
-Agents can not answer questions about why a balance is going up rather than down. 
-Emails are not replied to. I sent several emails regarding a payment issue, the last on XXXX XXXX and as of XXXX XXXX have yet to receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/XXXX, I received a notice from ProCollect stating that they were contacting me about an alleged debt that I had with XXXX. I immediately responded to the notice in writing, officially contesting that I had a balance owed to this community. I also requested the following items from ProCollect to verify the alleged debt : A copy of the original lease, signed by me, a copy of the entire pay history of the account, and also a detailed explanation of the charges that constitute the {$1400.00} alleged debt they are trying to collect. I did not receive any response from ProCollect with the requested documents. Today, I noticed that ProCollect has placed this item on my credit report. By placing this account on my credit report without verifying the debt ( as requested ), they are violating my rights under the Fair Debt Collection Practices Act.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The XXXX County Domestic Relations Section in XXXX Pennsylvania has been reporting alimony pendente lite ( hereafter APL ) to all three credit reporting agencies as " Child Support '' and placed for collection and XXXX County Domestic Relations as a creditor. In the Experian and XXXX XXXX they have it listed as a " Individual Loan '' and still listed as a Child Support loan. Not only is this a violation of the FCRA for reporting it as Child Support When in fact i am not and have not been late on Child Support payments. In fact I am over paid and have a balance they state issues me a credit every month for over paying. The Domestic Relations Department stated to me in several emails and verbally on the phone that They know its being reported incorrectly but they have no other way of handling this and do it for thousands of others. Upon making many attempts to get it correctly through XXXX County in writing and directly through the Credit Reporting Agencies, I was always told it wont change. I filed a law suit after 9 months of failed attempts and losing several credit cards and a home loan due to the misrepresenting on my credit report. The same day as filing the law suit, XXXX County Sent an email accepting fault and said they will fix the credit report for me. They have fixed it, but not prior to causing me enormous financial harm and damage to my reputation with creditors and with those within our community and business relationships with my banks. I am still proceeding through the courts with this suit, but I am writing you as I am concerned that this is happening to many others with in our community and possibly state.

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 03/15/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (PA).
Issue: Loan modification,collection,foreclosure

Complaint: A short sale request has been placed with US Bank - and they have not made a response in over 30 days

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 04-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient told me that I would qualifying for a federal forgiveness program. But when I got the paperwork completed with my employer and the federal government, I was denied. Navient NEVER provided a reason and after 2 years of trying to figure it out, I am now consolidating my loans to qualify for the program though that will be 2 years I could have put towards the federal forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TN).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Hi, I have noticed on my credit score report that I have a debt under collections from a COMMONWealth Financial Systems. I have tried to contact the organization in regards to my bill that was first charged for {$170.00}. However, after seeing my credit score report it says I own {$510.00} and I have not received any letter saying why am I being charge for, who is the provider, and why I have not received any letter notification. After speaking with several representatives at Commonweath Financial System, I have been treated very rudely, unprofessional, discriminatory ( due to my english being 2nd language/the debt collector was correcting my grammar in offensive way etc. ). I have tried to understand why am I being charge the amount, and why the amount has changed. The reply from the debt collector named Mr. XXXX said : " it is a XXXX bill, you can pay me {$350.00} and we will settle with that ''. Constantly, ignoring my questions and ignoring to further explain what is going on. I asked Mr. XXXX : " This means you are requesting my credit card number right now, with all my personal information without giving me any explanation or written form? ", Mr. XXXX, replied " Yes ''. I am afraid and confused on what is going on, yet I can not get any explanation. 
If this bill proves to be mine and accurate, I will do the best of my ability to take care of it. Please, provide me with an advice, suggestion, anything that can help remove this confusion. 
Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Reaging {$210.00} XXXX XXXX Cell phone bill. Phone # XXXX. Contract XX/XX/XXXX. XXXX XXXX. Supposed to be removed XX/XX/XXXX. XXXX attempted to collect then sent to XXXX XXXX to collect. Have received collection notices after XX/XX/XXXX. Pinnacle has the debt now. Stated I opened account XX/XX/XXXX when I had current phone number XXXX and was with XXXX XXXX. Now for the past 2 years I am with XXXX with same number. I have requested verification/validation from Pinnacle through fax from XXXX XXXX with transmission verification. A week later I sent them the same documentation via Certified Mail by USPS. I received nothing. I have sent them old credit reports showing reflecting the XXXX debt and when it was supposed to drop off in XX/XX/XXXX, along with other collection notices showing the old phone number as an account number. The XXXX CRA 's have been contacted via certified mail reflecting my dispute request 3 times, and for the lack of verification/validation by Pinnacle. Their response is that the debt is mine. I have had XXXX once! I still have the phone. Its a analog phone. Not a smart phone as we have 15 years later. I have been trying to clear up my credit since XXXX XXXX. Under section 605 this outdated info should be noncollectable or be allowed on my credit report without physical creditor documentation from XXXX XXXX which I have been requesting but refused.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (NV).
Issue: Application, originator, mortgage broker

Complaint: As someone who was doing research on FHA loans for a mortgage I was required to put some basic info in the FHA website to see details. After I had done so I started getting calls and email from people even though I already had a lender lined up. After being contacted by XXXX XXXX from Quicken loans I right away looked up info on them. I replied to her emails saying I was n't interested in working with them and thanked them for the time. After which they sent me more info to try to get me to push forwards with them. I sent her another email saying no. Further to the point her phone number was a dead end and did n't even have a voice mail. About a 1 1/2 weeks later I get a letter in the mail saying they denied me, I never even applied and for all I know they ran my credit, I gave them no permission to do this. Needless to say they are very unprofessional, they lie, and this kinda thing should be illegal. I get it they do n't care how they affect people but buying a home is no small matter and this is just bad business.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FACTUAL DATA CORP. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several of closely dates hard inquiries from the same company. One authorization while looking for a mortgage rate does not authorize multiple hard inquiries. It seems as if they are malicious after the loan agent stopped contacting me after the pull. Additionally, once I did secure a loan company/agent, this looks to be malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent a dispute to TransUnion based on inaccuracies being reporting by XXXX XXXX XXXX XXXX. The account was set up on automatic deduction and the credit union failed to take out. I spoke with representatives from the credit union who asked me to send a dispute to TransUnion and when TransUnion contacts XXXX XXXX XXXX XXXX, ( Creditor ) they will request the information be corrected. TransUnion deleted the account, along with XXXX other accounts I have with XXXX XXXX XXXX XXXX. XXXX account was paid in full with a perfect payment history, and the other XXXX accounts are being paid, with a perfect payment history. A total of XXXX accounts were deleted, due to Trans Unions error and has affected my score and my ability to secure a mortgage.

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 01/20/2016 about Credit reporting () with Innovis (AK).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been working on increasing my credit score for approx. a year. I have paid for each credit bureaus individual service to manage my credit score, along with XXXX XXXX. All three credit bureau 's are directly reporting my score as XXXX - XXXX. 

I have applied for a mortgage and some third party reporting agency is saying that my reported credit score is XXXX - XXXX. I would like to file a complaint so I know that the monies I 've been paying out to each credit bureau is n't a financial scam?

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Mortgage (Conventional fixed mortgage) with CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (FL).
Issue: Settlement process and costs

Complaint: I REFINANCED MY HOME THROUGH ONE TRUST HOME LOANS IN XXXX. THEY FAILED TO ESCROW SUFFICIENT FUNDS TO COVER MY PROPERTY TAXES AND HOMEOWNERS INSURANCE FOR 2017. CLOSING DOCS SHOW THAT A PAYMENT IN THE AMOUNT OF {$710.00} SHOULD HAVE BEEN MADE TO PAY PROPERTY INSURANCE. PAYMENT WAS N'T MADE AND I CA N'T FIND OUT WHERE THAT MONEY IS. ONLY 6 MONTHS OF FUNDS WHERE ESCROWED TO PAY PROPERTY TAXES, PROPERTY APPRAISER WILL NOT ACCEPT PARTIAL PAYMENT AND THE CHECK WAS RETURNED TO THE TITLE COMPANY. I CAN NOT FIND OUT WHERE THAT MONEY IS AND WHY TAXES FOR THE ENTIRE YEAR WERE NOT ESCROWED. WHEN I QUESTIONED THE AMOUNT AT THE TIME OF CLOSING I WAS TOLD THAT EVERYTHING WAS COVERED. I WAS ALSO TOLD THAT THE ESCROW REFUND FROM THE PAID MORTGAGE WAS MINE, AT NO TIME WAS I TOLD THAT I WOULD BE RESPONSIBLE FOR 6 MONTHS OF MY PROPERTY TAXES. IT IS MY UNDERSTANDING THAT IF THE PRESENT MORTGAGE COMPANY HAS TO " LOAN '' ME THE FUNDS TO COVER PROPERTY TAXES AND INSURANCE THEY WOULD THEN HAVE TO RAISE MY PAYMENT IN EXCESS OF $ XXXX A MONTH, MONIES THAT I CAN ILL AFFORD. I WANT XXXX TRUST TO CORRECT THEIR ERROR AND GIVE ME THOSE FUNDS THAT ARE NOT ACCOUNTED FOR, THE {$710.00} THAT WAS SUPPOSED TO BE PAID FOR INSURANCE AND NEVER WAS AND THE 6 MONTHS ESCROWED FOR PROPERTY TAXES THAT WAS RETURNED TO THE TITLE COMPANY AND THE 6 MONTHS OF MONIES THAT WERE NOT ESCROWED TO COVER PROPERTY TAXES.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax experienced a cyber attack in which people 's social security numbers, names, addresses, credit card info were compromised. I enquired if I was one of those people and was directed to their website to determine if indeed I was. It confirmed that I was indeed one of those people. 
They offered to monitor my credit for free for a year. I would be losing my ability to easily hold them accountable and to have them rectify the situation by signing their agreement. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Mortgage (Conventional home mortgage) with FBC MORTGAGE, LLC (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We entered into an agreement to construct a dwelling with XXXX XXXX. XXXX directed us to FBC Mortgage for a pre-approval, stating that we would receive {$10000.00} in a closing cost concession by using FBC. FBC did not approve the loan and XXXX will not refund {$8000.00} in funds deposited under the agreement and {$440.00} in electrical upgrades. See attached for additional information including dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Mortgage (Conventional home mortgage) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Trouble during payment process

Complaint: XXXX and XXXX XXXX sold their condo in XX/XX/XXXX and paid off the mortgage balance in full. On XX/XX/XXXX, Regions, who had the mortgage and has XXXX and XXXX 's checking account with mortgage payment automatically drafted, took out the {$750.00} mortgage payment, even though there is no longer a mortgage, or a condo ( it was sold to someone else, who paid cash ). I called and emailed XXXX XXXX at the XXXX branch, who called and spoke to XXXX in the mortgage dept. First they wanted to mail a check - to the condo, where XXXX and XXXX no longer live - in two weeks. I insisted that was not acceptable, sent emails to Regions customer service, demanded to speak to a supervisor, asked to speak to their compliance dept ( said request was denied ). Finally, when I threatened to call CFPB, they put the money back in, and said they needed to find where it went so it would n't happen again. XXXX, a supervisor in XXXX, XXXX XXXX assured me it would not happen again. I asked for, and received, a letter stating the mortgage loan was paid in full. ( A Release of Lien document was not available yet. ) Now, fast forward to XX/XX/XXXX, and the {$750.00} was taken out again, after spending dozens of hours of my precious time in XX/XX/XXXX and getting an assurance this would not happen again. They are stealing XXXX and XXXX 's money. In addition, the letter states an escrow refund of {$13.00} is due, but apparently they mailed it to the condo that was sold to someone else, so that was never received either. I want Regions to forever stop stealing money to pay a mortgage that has already been paid off, refund the {$13.00} plus a {$100.00} service fee for the inconvenience back into the account ( direct deposit, not a check put in the mail to a bad address ), and I want them fined by the federal government for being dishonest and an absolute hellish nightmare to try and work with. I should not have to spend my time dealing with this.

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 monetary relief
Consumer complaint received 09/15/2015 about Debt collection (Payday loan) with United Debt Holdings, LLC (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: We 've been receiving phone calls saying they 're an attorneys office XXXX XXXX and XXXX, who also said were with debt holding group trying to collect a debt. The memo I have a attached is what they sent me when I asked for verification of the debt owed even at the bottom it says they 're not a law office. Numerous time they assured me they were n't scamming me because they 're an attorneys office. First they told my husband he owed {$900.00} then told me he owed around {$700.00} when we checked with the original store he took the payday loan from it was only {$590.00} they sold it to debt holding group and then they sold it to XXXX group XXXX XXXX. The told him it was a felony if he did n't pay and that they were taking us to court if we did n't pay them that day ( Thursday XXXX XXXX ). When we ask them to send us verifying documentation about the debt we were sent a word document that did n't even have the companies address or correspondence on it. We have never received any mail or previous phone calls about the debt. They said they sent us mail but they had the wrong address when they sent the verification of the debt. They also said they had him on video going into the apartment which again they had the wrong address. My husband also had taken out this payday loan before we were married and my name is no where on the account and he never gave them permission to discuss the debt with me and when I called I expected that but they were more then willing to give me any information I asked for and were very rude with me when I confronted them about sharing his information with someone they did n't even verify who it was. I have read it is against the law in Texas. We ca n't find any information about this company online expect that they have been scamming people. If my husband does in fact owe a debt we would like to take care of it but we 're afraid to pay these people regardless of their threats of taking us to court because it does seem like a scam. We were wondering how we should proceed the debt is n't on his credit report and we do n't know if these people are even legit. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NE).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Multiple violations of the TITLE VIII - DEBT COLLECTION PRACTICES espespecially sections 805, 806, 808 and 816.

Company response to consumer: Closed with non-monetary relief