milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Optimum Outcomes are still reporting on my report credit report even though the bill was dismissed by the original creditor, I have sent in the copies of the dismissal paperwork to the debt collector and also to the credit bureaus, and nothing has changed. I have disputed it with The credit bureaus and they are still retuning it to me reporting it as a verified. How can they say its verified if it has been dismissed. I have sent all of the paperwork and they both have yet to delete it from my file. I have never signed a contract with optimum outcomes nor I have I ever verified that I owe this debt, because I do not. It was dismissed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: The 3rd week of XXXX XXXX, Freedom Mortgage XXXX, notified us we were short on XXXX Escrow. The shortage was caused by an increase in the home owners insurance premium, which we were not notified of. We changed insurance companies, which resulted in the premium going down {$500.00} for the year. The old insurance caused a shortage of {$1600.00}, we overnighted the full amount to the XXXX office, per the instruction of the company. We call a few business days later to see, if the check was placed in the XXXX Escrow account. We ask if they had the new insurance company information and new payment schedule. 
We requested the new amount for the monthly mortgage payment with the corrected escrow. We were told the XXXX Escrow check was supposed to be mailed to XXXX. As of today the {$1600.00} funds have never been correctly deposited to the XXXX Escrow account, despite the memo on the check specifically state " XXXX Escrow. '' We paid a {$600.00} house note, which was sent to Escrow for unknown reasons. The XXXX Escrow has never been figured, so to date after trying to the right thing for 8 weeks, we have made ZERO progress. We have called at least once, if not twice a week to see what updates have been made. We rarely if ever are able to transferred to a supervisor. We have yet to talk never talk to same person or the same office. I do n't know they just have bad business practices or what. Freedom Mortgage has not returned any of the phone calls as promised. We have a VA ARM loan and on paper it is a great deal, we strongly suspect the mortgage company is not making any money on the loan, so they are trying to force us into a conventional loan against own will. They also send us information on their conventional loans a min of weekly.

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 08-10-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Navient ( XXXX XXXX ) continues to call me on my job about my ex-husband 's student loan. I have asked them to not contact me. They said that they are calling because he used me as a reference. I spoke with the manager and was told they would remove me from the calling list, but I have XXXX new calls on my voice mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Beginning XXXX 2016 until this date I have had an excessive amount of unannounced inquiries and accounts that I am not knowledgable of that continuously keep reporting to my credit report. I started disputing this when it was brought to my attention immediately starting with Equifax. I sent in certified letters, made several phone calls, spoke with supervisors, filed online disputes, and requested a freeze and fraud alert be placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: IC systesm- has listed an collection account on my XXXX XXXX XXXX profile. I have disputed this information yet dates keep changing and amount is not able to be verified. I did not owe XXXX any money at the time I stopped my services with them. I did not have a contract and did not request a contract. 

This same account is with another collection account I have submitted a complaint with XXXX ( complaint # XXXX ) & XXXX ( # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion has incorrect information. THIS is not my ACCOUNT. 
ACCOUNT # XXXX XXXX THIS IS A INVALD COLLECTION ACCOUNT REPORTING ON TRANSUNION. THEY NEVER NOTIFIED ME OF THIS ACCOUNT PRIOR. THEY HAVE NOT PROVIDED PROOF THIS ACCOUNT BELONGS TO ME, AS WAS REQUESTED IN THE CERTIFIED LETTER SENT TO BOTH TRANSUNION AND XXXX. THIS WAS A IDENTITY THEFT CASE FROM 2010. TRANSUNION PLEASE REMOVE THE COLLECTION FROM MY REPORT.

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 03/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (DE).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a copy of my credit report, and that is when I notice the collection account for LVNV Funding LLC . I was never notified by the collection company, so I was unable to dispute the account for which they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My daughter had XXXX. She needed a credit card to pay her bill. I let her use mine which was suppose to be a one time thing according to the XXXX rep. My daughter did n't pay her subsequent bill and XXXX turned her account over to XXXX XXXX services and now it is on my credit report. I have never personally had XXXX and this should not be on my credit report since IT IS NOT MY BILL. Again, I was informed and promised by the XXXX rep that this was a one time thing and that it had nothing to do with me other than I was paying for my daughter since she did not have a credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i have XXXX accounts with this company that do not belong to me and are fraudulent acct # XXXX and XXXX i have included a copy of police report and id theft affidavit notarized this needs to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Date Filed :  XX/XX/XXXX  Case Number :  XXXX  Court Number/Name : Court Address :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX     XXXX    XXXX , IL   XXXX   (  XXXX  )   XXXX    Amount : {$3800.00} Class : VS/ State Lien Status : Date Released :  XX/XX/XXXX  *****************THIS WAS RELEASED ON  XX/XX/XXXX  Date Reported : Comments : *****This lien was released on  XX/XX/XXXX . I have attempted numerous times to get this corrected. Since it is inaccurate information, I would like it removed from my report all together********** **************************************************************************************************** Date Filed : XX/XX/XXXX  Case Number :   XXXX   Court Number/Name : Court Address :   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   , CA  XXXX  (   XXXX   )   XXXX   Amount : {$1600.00} Class : VS/ State Lien Status : Date Released :  XX/XX/XXXX  *********THIS WAS RELEASED ON XX/XX/XXXX  Date Reported : Comments : *****This lien was released on XX/XX/XXXX . I have attempted numerous times to get this corrected. Since it is inaccurate information, I would like it removed from my report all together**********

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Debt collection (I do not know) with Receivables Performance Management, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been disputing with Receivables Performance Management against inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I am unaware of this account with them, sent debt validation letters for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them with the proper proof. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. My credit report, as of XX/XX/18, shows XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00}, and Receivables Performance Management collection agency owns the same XXXX XXXX account listed with Receivables Performance Management at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me to get XXXX XXXX to delete these inaccurate and unverified accounts from XXXX, XXXX, and XXXX. I have been fighting with them about these accounts for over three months.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: If this is not removed from my credit I will be suing them for violation of the XXXX. I have never done business with midwest recovery for XXXX flags and never received any notices. They have put a collection on all XXXX of my credit bureus. I request this to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MO).
Issue: Settlement process and costs

Complaint: We rescinded a refinance loan with JP Morgan Chase Bank. Chase refuses to refund us our good faith fee for the appraisal. The money was pulled from my Chase Credit Card without my permission. I 've sent emails requesting a refund per the rescission guidelines but I am getting no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (FL).
Issue: Deposits and withdrawals

Complaint: I have a bank account with Ally my wife takes care of all our bank accounts we deposit a Ally and the freeze my account stating that I was depositing too many checks from her. Which I dont see why would that be a problem she is my wife we are trying to save when our pay check come in she write all the check to our billers and XXXX to our saving account. When I deposit the check again Ally freeze my account and they reason being is being I had too many checks coming from her. Then my account got sent to the fraud department and they lady name XXXX that they place over my account has been very rude and disrespectful towards myself and my wife it has been almost a month dealing with this case and every time we call into follow up she always act as through she has an attitude and do n't want to be bother with us. They still have my account lock and claim to ca n't find my deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Checking or savings account (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: This relates to CFPB claim XXXX against Peoples United Bank XXXX XXXX XXXX. CFPB closed claim XXXX prematurely while a response from XXXX was still pending and the matter not resolved. I received a request from XXXX on XXXX/XXXX/XXXX for more information. I have faxed XXXX the additional information which is attached to this CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX 2016, it was informed to me that capital one ran a hard inquiry on my credit report. I however have NO knowledge of giving my consent for this company to pull my credit. I will like to see validation with my consent of me giving permission for this company to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I have tried to correct these accounts that show opened at the XXXX, Equifax and XXXX. I have no idea what they are for, only showing that the opening dates are XXXX/XXXX/12 : for {$26.00}, {$10.00} and {$24.00}. The original company submitting these accounts were from the XXXX. I have been unable to obtain any acct. numbers, or contact information for this above agency.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with RockLoans Holdings LLC (IL).
Issue: Getting the loan

Complaint: I recently closed on a mortgage purchase with XXXX XXXX for a condo in Illinois. The closing was completed at the end of XXXX 2017 and the loan was sold to XXXX XXXX shortly after closing. XXXX XXXX is the current loan servicer and was the loan originator. Shortly after closing my loan, I began receiving multiple email notifications from XXXX XXXX to obtain a consolidation personal loan. Also, when I login online to view my mortgage account information, the XXXX XXXX promotion appeared. I later received a pre-approval confirmation and was approved for an XXXX consolidation loan with an auto-payment of approximately {$300.00} a month for a 3-year installment loan term. XXXX XXXX was then assessing a {$400.00} loan origination fee which I later discovered and the interest rate / apr range was 22-29 % ( also inflated from the original information provided ). My intention was to use these funds to consolidate various debts which ultimately would reduce my monthly payment obligation ( save me money ) and covert to a fixed installment repayment term. I received several communications from XXXX XXXX confirming my loan was approved and directing me to complete/sign my loan documents to fund the loan. I am including copies of these various communications as an attachment for reference. All of a sudden at the very end, I received an adverse action notice as was advised the loan funds would not be provided. Overall, the marketing information received from XXXX Loans was deceptive and provided clear direction the pre-approval, approval, and loan documents were good to go. Obviously this was a loan consolidation effort on my part which ultimately would have provided benefits in reducing my monthly payment obligation and would allow me to consolidate debt. I will admit the {$400.00} origination fee was not necessarily disclosed upfront at the time initial email communications began, but later in the process as the loan documents were getting prepared for signature I noticed this fee appear. Additionally, the initial interest rate/apr information provided was much lower ( less than 14 % ) than the later documentation conveyed of 22/29 % ( interest rate/apr ). The more I thought about what occurred, I realized how deceptive these communications were especially since I began receiving them shortly after closing on a recent mortgage loan with XXXX XXXX. I hope the supporting documentation will aid the CFPB in looking into this matter further. If this happened to me personally ; this is also occurring to other applicants which simply is n't right. Something is wrong here and an investigation should be conducted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with ARVEST BANK GROUP, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I sent you a complaint back in XXXX/XXXX/XXXX case # XXXX reguarding Central Mortgage Company. 
of course their reply was all lies as they did back in XXXX. I was told to miss paymentss told to miss payments until a re-fianc or Modification could be reviewed and signed off. Instead they used late payments against me and foreclosed on my property. They even had it on the market before anything was settled. I now only have until XXXX XXXX, XXXX to get justice They owe me what they sold my house for. I want your help to get me justice. 
Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, I was a victim of identity theft in XXXX. The identity theft originated out of XXXX. I was born in WV and have been a resident of XXXX since XX/XX/XXXX. 

I filed a police report and identity theft affidavit to report the crime and disputed items on my credit report ( s ) with all three major credit reporting agencies. 

XXXX of the fraudulent accounts was opened with XXXX XXXX XXXX XXXX. Another was opened with XXXX XXXX. I have never had accounts with either of these companies. I disputed XXXX these accounts ; however, neither of these companies acknowledged my dispute and XXXX subsequently turned the accounts over to a collection agent. 

The collection agents, XXXX XXXX XXXX and CBE Group refused to acknowledge the dispute and have continued their efforts to collect these accounts from me. XXXX these collection accounts appear on my credit report and XXXX are hindering me from obtaining a mortgage to buy a home for me and my family. 

I wish to file a formal complaint against XXXX The CBE Group and XXXX for unfair credit reporting practices and I request that these accounts be removed from my credit report. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Consumer Loan (Installment loan) with SUNTRUST BANKS, INC. (GA).
Issue: Taking out the loan or lease

Complaint: I applied for Community Reinvestment loan with Suntrust Bank many times Loan Application - Reference # XXXX ... This bank never have given me a loan. I would not complain but Suntrust is always saying is willing to help the low income community.Poor, XXXX, but when comes to loaning funds out Suntrust has refuse many loans for the XXXX community. Suntrust XXXX. This banks needs to stop saying the are here to help the poor with CRA loan and not give this money back to the community they make money off of. 

Thanks XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PNC Bank N.A. (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: PNC bank called me at XXXX on a Saturday morning. I usually turn my phone off but forgot. I live in Texas which is in the central time zone. They were calling me from the Eastern time zone. I believe they are calling in regards to a debt that is less than {$100.00}. I had attempted to close my bank account but there was an outstanding charge from XXXX. I had changed my bank information on the XXXX website and PNC bank was not showing up on my account yet it still got debited. I attempted to deal with bot PNC bank AND XXXX and neither would agree to fault or drop the charges. PNC added overdraft fees and daily charges to my account which I refused to pay. I 'm in debt consolidation and have been unemployed several times in the past XXXX months. This is a very low priority for me.

Company response to consumer: Closed with monetary relief