milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2017 about Debt collection (I do not know) with Miller, Stark, Klein and Associates (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This Company continues to call for a person that is not me. I have spoke with them 3 times telling them I have had this number now for 2 months and I am not the person they are looking for. They left a message again today for this other person they ask for which is XXXX XXXX. I called back and the person I spoke with stated his name is XXXX XXXX, which I doubt it was because it seemed he had to remember his name. I told him that I am not who they are looking for and he said he put me on hold and then he just hung up. When I called back their line would not even accept my call. I am just trying to get them to stop calling. I do not believe that Miller Stark Klein and Assoc. care about bothering anyone even when they know they have the wrong person.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a vehicle financed. I had an accident. The vehicle was totalled. My primary insurance paid their share of their claim to the finance company within 30 days. I carried GAP insurance. It took them almost 4 months to pay their share of the claim to my finance company. There was a small balance that I was responsible for. A  fter contacting the finance company after receiving a bill for a balance due on the account, I promptly paid the balance. The account was finally closed with a zero balance. The next thing I know I get a letter from GM FINANCIAL stating that the account indeed had been paid and has a   XXXX   balance. Then they added a remark that my account was charged off even with a   XXXX   balance. The statement CHARGED OFF, currently on my credit report needs to be removed immediately. I have been denied a car loan and a mortgage as a result of their error. Once again, it must be corrected or my credit score wo n't improve at all.
HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Had a dispute with Sears credit about a delinquent account when I closed the account and had pay off balance months prior. They claimed it was open when, in fact, it was closed. Its the only thing that could affect my score. Since the. My score dropped over 100 points.

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 09-01-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: PNC Mortgage Escrow under paid XX/XX/XXXX property taxes which resulted with XXXX lien placed against our property. XXXX PNC motivates us ( via phone call ) un-freeze our equity line of credit with them because values are up again. They charged XXXX dollars, then turn us down. Our PNC Mortgage and PNC Equity Line of Credit are on the same property. This all happened XX/XX/XXXX. 

Regarding the XXXX created by XXXX underpaid property taxes. I found out only after my XXXX credit score went from XXXX to XXXX in one quarter. After researching, I was shocked to fine a XXXX lien on our house due to the XX/XX/XXXX underpaid property taxes. With more digging, found out that a 3rd party entity purchased the tax lien from the city/county. With the potential then to be sold on the county court house steps. After notifying PNC, they claimed no knowledge. I went to the 3rd party entity to please print the XXXX information and sent this to PNC. Their Escrow department blames us for not keeping them up to date with the property taxes. They claim we lost an appeal while we actually were successful in getting the property taxes reduced from XXXX to XXXX. With more complaining, PNC eventually did pay back taxes. They are not helping to get the XXXX removed from credit and claim not their problem when it was them not paying the taxes that created the lien. Having an escrow account, I thought was to help protect our property taxes being sold to a 3rd party entity, then sold on court house steps. PNC accountability to customers, mis-management of escrow has caused serious damage to our credit. 

After the XXXX ordeal ; ( this summer ) PNC guided me toward unlocking an existing PNC Equity Line of Credit on the same property. Person on PNC phone marketed how easy it is to unfreeze an equity line of credit due to values going up again. Simply pay XXXX to have your account un-frozen. Not an issue. They denied the unfreezing of PNC Equtiy Line of Credit. We live in XXXX and next to XXXX ( Where properties have seen values soar ) ; We also live on XXXX 's new green park system called the XXXX. 
Was it the XXXX that PNC created, then used to deny us? or was it the Appraised value which is also very questionable. We are very concerned with the mismanagement of escrow and marketing used. And also want to help prevent this from happening to other people that have escrow accounts that pay for property taxes and insurance.

Company response to consumer: Closed
Consumer complaint received 08-07-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was paid in full on XX/XX/XXXX by cashier check. As of XX/XX/XXXX i have not received my title. I did receive a letter from Ocwen Servicing that the loan was satisfied. I need help getting my title.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Since XX/XX/XXXX after filing for Chapter XXXX Bankruptcy after my business failed in XXXX XXXX XXXX was providing XXXX, I have attempted to refinance, or aplly for a better mortgage rate from Chase Home finance on my primary address. They have refused stating that I can afford to pay my mortgage based on my gross income disregarding the fact that my present mortgage interest rate is 8.83 %. They have refused me over and over again because they say my credit report has red flag, and my gross income does not qualify me for an adjusted mortgage. The only solution they have offered is skipping a month of mortgage payments which is ridiculous because my income they are using is not based on my occupation but on my tax returns which are filed jointly with my wife who is not on the mortgage nor does she contribute to it. The most recent denial occurred on XX/XX/XXXX. I 'm requesting that Chase immediately lower my mortgage rate and should reimburse me {$30000.00} for financial damages since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have made several attempts to rectify this matter with the credit agencies but they have not removed this inaccurate information from my credit file. I have address information that is incorrect on my credit file. This is a result of identity theft or they are reporting in error the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 08-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was a victim of the inquiry issue with Transunion 's Credit Bureau. I contacted their customer service representatives and they refused to remove the inquiries from my credit report. I wish to have these negative inquiries removed from my credit report. 
These negate inquiries include the following : 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/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 non-monetary relief
Consumer complaint received 06-10-2016 about Debt collection (Medical) with Merchants and Professional Bureau, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was never informed that negotiation was an option. I tried contacting them at least 8 times over a 2 month period and was never able to reach anyone ; when I left messages, no one contacted me back. I only received a first notice, then another bill labeled first notice, but never a final notice. Then suddenly I was being reported to collections. The collections letter mentioned nothing about a " grace period '' before it was reported to my credit report, but on the phone, after informing the operator I can only afford to pay $ XXXX/month, at the very end of the conversation she informs me that I have until the XXXX of this month ( about 3 weeks ) to pay the full amount or else it goes on my credit report. Even if I am actively paying toward my balance, it will still be on my report. Nowhere in writing was this grace period stated. The communication has been evasive, misleading, and omitted details, and the operators were not only rude but also evasive and did not properly disclose the information until I dragged it out of her by asking repeatedly if there is anything else I need to know. If I had n't asked her that repeatedly, there is no way whatsoever that I would have known I could negotiate, that there was a mysterious " grace period '' that I had to pay off the full amount ( less than 1 month is not remotely enough time to be called a " grace period '' ), or that I will still be reported to collections even though I am actively paying off my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This was a title loan and it was released XX/XX/2016. I received the release letter in the mail after I made the final payment at a SpringLeaf in XXXX, PA on XXXX XXXX. The new title for the car from the DMV was mailed to my home soon after.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am in a forebearance and the loans keep coming up multiple times under multiple companys but theyre the same loans. There was supposed to be no negative impact

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 07/26/2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (SC).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Reached out to lender, no action taken, no response given.

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 10-04-2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: On XXXX XXXX, 2017, I received a call from a debt collection agency about an outstanding debt of about {$380.00} supposedly owed to Toyota Financial Services ( " TFS '' ). I had previously taken over a lease on a Toyota Corolla with TFS, but that lease ended over a year ago. This was the first I had heard about any such debt. 

My complaint regarding TFS is two-fold : 1 ) To be contacted out of the blue by a debt collector about a debt ( a ) on a contract that ended over a year ago and ( b ) of which I never received any prior notification is, if not illegal, then at least incredibly frustrating. 

I understand from TFS that they send out a single notification letter regarding outstanding debts. I did not receive this notification. Again, if this is not illegal, it is at the very least incredibly frustrating. 

2 ) Now that the debt is with a debt collector, no-one at TFS will answer any questions or give any information about the account. Instead, they refer me to the debt collector, which in turn refers me back to TFS regarding why I did n't receive any prior notification. 
Again, at the very least, this is incredibly frustrating, if not illegal. 

I will not be doing business with TFS again. It seems stupid to lose a customer over a few XXXX dollars, which I would have paid promptly had I ever been notified.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I am a victim of Equifax Data breach.

Equifax seems to discourage us getting their credit monitoring help to victims. They have made it hard to use the help.

I believe when you pay for the service they send you a welcome email but with free service to breach victims, they do not even send an email.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: Las t XX/XX/XXXX , I called OCWEN about my home loan in regard to it 's converting from the ARM to pay down. I knew it was coming up. They informed me on the phone that it was not going to mature and that I was good. I was shocked in  XX/XX/XXXX  when I  received a call that I was late on part of my payment. My mortgage went from  XXXX  to  XXXX . I was told I could modify, but found  out  4 m onths later, that the loan I have specifically says I can not be modified. The lack of professionalism throughout can not be overlooked and fraudulent and ignorant activities seemed shocking. I continued to pay my payments in two increments, the original payment, and the balance to cover the new monthly. I was finally able to refinance my loan. Apparently in one of the last months,   XX/XX/XXXX , I was late 3 days on a partial payment. It was either my error or the bank, but either way, it was three days on only a part of the payment. Because of this, they reported me and my Credit score was severely impacted. It then caused me not to be able to refinance a HELOC at that time. I have been rejected in my attempts to appeal to OCWEN and to be honest, they have never been helpful throughout my experience with them. Their incompetence has been a hurdle I have dealt with since   my loan was sold to them. I feel that OCWENs practices are questionable and their reporting me was above the necessary. Also, their fraudulent information given to me hindered my ability to make good decisions about my loan. Much of this would have been avoided if they had not lied to me. This lying seems illegal especially based on the fact they were able in return make more money off me. I want to report them for their questionable practices.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Payday loan () with Mobiloans, LLC (PA).
Issue: Can't contact lender

Complaint: This lender refuses to remove false debt off of credit report. This is a payday loan and payday loans are not on credit reports!

Company response to consumer: Untimely response
Consumer complaint received 11-06-2017 about Payday loan, title loan, or personal loan (Installment loan) with Braviant Holdings, LLC (MO).
Issue: Charged fees or interest you didn't expect

Complaint: I used this company for a {$800.00} loan in XXXX. I signed up for the loan payments to be automatically withdrawn from my checking account. I did not check to see if the company was withdrawing payments. I received the " Notice of Right to Cure '' letter via email on XX/XX/XXXX. I have not received any other emails nor any letters mailed to my home. When I talked to the company representative, she said that several calls were made to my phone. I receive several calls a week from scam callers. I usually do not answer calls with unidentified phone numbers. She said that do not send physical mail. She also stated that they do not settle on debt. I requested a paper to show how what they say I was owed was calculated, she said that do not provide that information. It would be in my contract. I attempted to access my account with this company, but it only lists the phone number. I included the letter below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX NOTICE OF RIGHT TO CURE Dear XXXX XXXX Notice Date :XX/XX/XXXX Credit Transaction Account No : XXXX Loan Contract Dated : XXXX XXXX is the LAST DAY FOR PAYMENT. 
{$3700.00} is the AMOUNT NOW DUE. 
{$0.00} is the amount of delinquency charges included in the AMOUNT NOW DUE. 

You are late in making your payment ( s ). If you pay the {$3700.00} on or before XXXX, you may continue with the contract and existing payment schedule. If you do not pay by the XXXX, we may exercise our rights under the law, including but not limited to, acceleration of the loan. 

If you have questions, please contact us at ( XXXX ) XXXX from Monday Friday XXXX XXXX to XXXX CST and Saturday - Sunday XXXX XXXX to XXXX XXXX CST. 

Balance Credit Team ( XXXX ) XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Funding LLC. To date, Midland has a poor track record in regards to its collection tactics, which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to XXXX dollars in fines and penalties due to their unlawful business procedures, which violate the consumer 's rights. Their illegal actions have caused XXXX consumer 's credit files to be tainted with negative a remark, which includes myself. Please remove Midland Funding LLC from my file ; you can also see that I am apart of a class action lawsuit against Midland Funding LLC and Midland Credit Management. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services. Carrington is requiring me to keep a escrow balance not to fall below {$680.00}. There is nothing in my loan contract that gives them the right to do that. My targeted low point was {$0.00}. XXXX XXXX XXXX did not do this. The balance fell as low as {$250.00} one year. Even their letter states my targeted low point was {$0.00}. I feel this is a breach of contract and that my loan terms should prevail over their policy. I did not AGREE TO THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent out certified letters XXXX XXXX, XXXX to each of these companies below to verify that it was in fact me who made these inquiries with verified proof. They neglected to respond and now you are at fault on reporting this unverifiable information. You are required by a Federal law to remove them from my credit report. 
Name of Company Date of Inquiry Type of Business XXXX XXXX XXXX. XXXX/XXXX/XXXX Department And Mail Order XXXX XXXX. XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX BANK. XXXX/XXXX/XXXX XXXX And XXXX XXXX. XXXX/XXXX/XXXX XXXX And XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX And XXXX XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX The failure on their behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX XXXX, FL Courthouse in order to defend yourself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Transaction issue

Complaint: I received an email on XXXX/XXXX/16 that my Kohls credit card was past due. I thought I had scheduled a payment. I accessed their website on that day, the website did n't show a payment or a pending payment so I scheduled a payment as I must have forgot to schedule a payment for my XXXX bill. Now I have a payment out of my checking account on XXXX for approx. {$400.00} and a XXXX payment on XXXX for the same amount. So the second payment overdrew my checking account and kohls has a XXXX payment showing on their system which has n't been deducted from my checking account. They ca n't explain the XXXX payment. They think it wo n't go through but ca n't guarantee it. I asked for the refund of the XXXX payment and they indicated that it would take weeks for me receive by check. They indicated that had I done it through a representative that they could have electronically refunded me the money. I think holding on to my money for weeks is wrong since I have now incurred fees on my checking account.

Company response to consumer: Closed with explanation