milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Hello, I received on my credit report an unpaid notice for {$26.00} from the cable company XXXX XXXX XXXX XXXX XXXX that hurt my credit score by XXXX points and impacted my process with the Lender in obtaining a mortgage over such a small amount. The unpaid notice was then sent to a debt collection agency, CBE Group ( www.cbegroup.com ). I never received any urgent phone calls to resolve this issue. 

On XXXX/XXXX/2016, I contacted XXXX XXXX and paid off the unpaid bill notice. It should be noted that I paid off the amount, but XXXX XXXX was unable to inform me what the charge was for. I had closed a cable account and moved. All they did, supposedly was send a bill notice in the mail to my old address, which I never received. 

This bill was then sent to CBE Group ( debt collections agency ) for XXXX XXXX XXXX. On XXXX/XXXX/2016, I spoke with CBE Group to confirm the issue has been resolved and that they 're in the process of withdrawing the bill from my credit history. I informed CBE Group that they never called me, but was informed that CBE Group does make phone calls to inform customers of the unpaid bill, but DOES NOT LEAVE MESSAGES. If an issue like this can impact my credit history by 100+ points, I think it is very important that debt collection agencies leave a proper voicemail and provide every opportunity to have these issues be resolved before it is impacting a consumer 's credit history. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This Company constantly is reporting a debt that I owe. I have never lived in the apartments and their stating I did by the point an apartment gave them inaccurate information. Its preventing me from getting an apartment. They ask me to fill out a form I am not comfortable with a debt collection agency reporting information about me. I understand According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) .an original contract and how whatever was owed came about so forth. Now All XXXX credit bureaus have removed this off my file but National credit systems are reporting this to XXXX. I spoke with them and all they are saying is they ask this company questions and they kept it on there. I refuse to pay are submit information to a debt collection agency. I would like to have this resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Taking out the loan or lease

Complaint: In XXXX I took out an auto loan with XXXX, which is now Santander bank. XX/XX/XXXX I filed for chapter XXXX bankruptcy and included the remaining car payments in my bankruptcy payment. My case was closed and a discharge was granted on XXXX/XXXX/XXXX. I have been calling Santander for about a month requesting the title to my loan. The latest excuse was that they do not have the title and they put in a request to XXXX to release the title. This confuses me since XXXX XXXX is now Santander. I am hoping that I can find some resolution to this since I would like to trade my car in within the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: I tried to add my son on my home depot card as an authorized user. The customer service department sent me to the fraud department I said no problem. Had the card for almost 3 years and it is paid off, no activity but i guess i sounded XXXX on the phone. they told me to go to the store and show my identification and bring XXXX forms of ID. I said OK, I went to the store and confirmed everything. They put me on hold they then said thats not good enough, we need you to fax a copy of your ID and Social Security card and a utility bill. More harassment. Being harassed on an account that has been open over 2 years with no actual fraud. Fraud is the code word for discrimination.

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 02-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: going back about 5 years ago, navient reported to the XXXX New York state, that my parents plus private loan was in default, and the following amounts were garnished from my federal tax returns, according to the XXXX : XXXX XXXX, 2014 {$1000.00} XXXX principle XXXX interest XXXX other? 

XXXX XXXX, 2014 {$1700.00} XXXX principle XXXX interest XXXX other? 

XXXX XXXX, 2014 {$190.00} XXXX principal XXXX interest XXXX other? 

For a total amount of {$2900.00} This was illegaly taken from my taxes as we put all my sons loans in deferment, and this should have been included. the loan went into default and they took the money. Navient and XXXX XXXX, told me that these loans could Not be put into deferment or forebearance and since they were not paid they took my tax return funds shown above. 
My sons current loans INCLUDING this loan are now in forebearance or deferment, which is troubling. This all started when the entities above, XXXX and navient, said they could NOT be included in the XXXX actions refered to above.I WANT my money returned and the amount re-added to the current loans all in deferment, as it never should have been garnished. these loans should ALL have been in deferment or forebearance since day XXXX XXXX This has caused a financial hardship during that time, and started many arguments with my son. Navient sent me letters sometimes XXXX4 times a week demanding money and being very unprofessional and rude to put it mildly..

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Managing the loan or lease

Complaint: XXXX/XXXX/XXXX GM FINANCIAL ACC # XXXX Late Dates : XXXX AUTO LEASE GMFINANCIAL XXXX XXXX XXXX XXXX, TX XXXX XXXX Dear GMFINANCIAL, I recently pulled my credit report from XXXX, XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account in GM FINANCIAL ACC # XXXX Late Dates : XXXX AUTO LEASE I immediately disputed this information with XXXX, XXXX and XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. 
Since I have disputed the lates with the credit bureaus, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Furthermore If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 

I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a collection on my credit report from Receivables Performance Management. I was not aware of this collection until a review of my credit report inXX/XX/XXXX. This collection is from XXXX XXXX XXXX. By the way, I currently have service with XXXX XXXX XXXX. InXX/XX/XXXX when I paid the bill that 's being reported to my credit, it was paid to XXXX XXXX XXXX not Receivables Performance Management. I have no contract with this company nor any knowledge of this debt being reported to any outside collection agency. I 've made multiple attempts to get this agency to remove this collection, but now when I call them, they tell me I have to speak with a manager, place me on hold for extended periods of time and disconnect the call before I 've even spoken with anyone. I would just like this collection removed and I am making this complaint as I 'm not getting assistance dealing with the Collection Agency.

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 Debt collection (Medical debt) with Columbia Collection Service, Inc. (OR).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Columbia Collections is on my credit report for unknown reasons. I have never agreed to do any business whatsoever with this company or any company that they represent.

Furthermore, this involves a supposed medical debt and it is a HIPAA violation for a medical provider to give medical info about me to a 3rd party, such as Columbia Collections.

If the medical provider believes that I owe them a debt then they need to collect it themselves. I never agreed to do any business whatsoever with Columbia Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Credit card) with Northstar Location Services, LLC (CT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX of North Star Locations Debt Collection, telephone number XXXX is repeatedly contacting my extended family members regarding a debt. He continues to do so after I asked him to stop and explained to him that the people he is calling are in no way involved with my finances or this situation ... .Nor have I ever listed any of the people he 's calling as a contact number.

Company response to consumer: Closed
Consumer complaint received 06/24/2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I got a title loan TitleMax, I noticed that making my payments of {$660.00} dollars monthly, only XXXX cents have gone to the principal. I called them to say it was a 17 % interest, but they said it 's daily interest. I told them it was going to be hard to pay off my loan if they have those fees, and they did not care. Is there a possibility for them to lower the interest? It 's killing my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
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: For about 6 months, I have been disputing an collection account placed with the credit bureaus by XXXX XXXX XXXX , XXXX. 

This is not my debt. I have previously called the public phone number for XXXX XXXX XXXX and explained that I am not going to pay a collection that is n't mine and to remove the fictitious report from my credit report. The debt collector hung up on me. 

I have disputed with Experian and XXXX and they have still not removed the account from my credit report. 

I have filed a CFPB complaint ( # XXXX ) against XXXX XXXX XXXX and their response was they will be requesting validation and send it to me. 

In the meantime, they are tarnishing my credit. 

CFPB please help me. This company must be investigated for these illegal acts. They are ruining my credit report. XXXX XXXX XXXX is responsible for me being denied for a credit card solely based on a collection account they reported.

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 01/19/2017 about Credit reporting () with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I previously disputed the following addresses that do n't belong to me, but still is listed on my Experian credit report. The following addresses do n't belong to me : XXXX XXXX XXXX # XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, MN 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 12/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX stated they never had this bill nor did I owe this amount

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 11-05-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Customer service / Customer relations

Complaint: I asked Sears/CBNA to remove me as an authorized user from an account and was told that I needed to talk to an X of mine as we are not on talking terms. I am not going to be held responsible. Sears basically said this is my own problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Capstone Credit & Collection, LLC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Debt from Capstone Credit and Collections for XXXX XXXX XXXX for a balance of XXXX in XX/XX/2012 for an apartment I never resided in I sent the proper documents and an Identity affidavit and police report stating my identity was stolen they sill refuse to remove the Collections stating if was valid only sent a judgement and a lease with a signature that is not mines. I would like the collections remove and not to be sold to another company off all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Please note I am seeking the assistance by the CFPB regarding a real estate fraud transaction pertaining to my primary residence. I have attached the deed of trust for each transaction I am contesting. I began to suspect fraud in XXXX after receiving mortgage statements from Bank of America for a loan in the amount of {$150000.00}. 
I never had a reason to believe I owed a mortgage since my property was paid off in XXXX ; here is the recorded document with the County Recorder 's Office of XXXX XXXX : DOC # XXXX However since my own investigation and unsuccessful attempt to have Bank of America assist me with my complaints in XXXX, I began checking the title of my property. I began to pull all the grant deeds with the county recorder 's office and went so far as to track the notary publics to determine who signed on my behalf. I was determined to identify the individual who had cashed out on my home and since than I am seeking the assistance of the District Attorney to validate the following transactions that I did not solicit : DOC # XXXX XXXX {$88000.00} DOC # XXXX XXXX {$90000.00} DOC # XXXX CountryWide {$50000.00} ( home equity line of credit ) DOC # XXXX XXXX XXXX XXXX {$70000.00} ( home equity line of credit ) DOC # XXXX Bank of America ( FHA LOAN ) {$150000.00} I have been making payments on the Bank of America/ FHA loan in fear that I may lose my home regardless if I did not acquire that loan. I just want to get to the bottom of this and fix this fraudulent situation immediately. I apologize if I can not provide specific dates, descriptions of the transactions or individuals since I am declaring the above transactions were completed without my consent or my presence. 
You may reach me at ( XXXX ) XXXX. 
Kindest Regards, 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 explanation
Consumer complaint received 06/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Trans Union Re-inserted Hard inquires onto my consumer report all within 1 weeks time after removing all of them in the first place. This was all done without proper notification and without basis. As such has adversely affect my credit score by making it go down and impairing my ability to refinance my car at the best terms.

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 01/31/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been disputing this company for months and frankly very very tired. Now I am trying to get a rental home and pay $ XXXX/month instead of {$2000.00} / month to live in a hotel room. I request that you please immediately delete and/or update immediately the incorrect balances as Equifax is defaming my name.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Struggling to pay mortgage

Complaint: To Whom it may concern, I, XXXX XXXX, have been going through this lost mitigation process for about 3 years now. Unfortunately and unexpectedly I lost my employment in XX/XX/XXXX. I  contacted Freedom Mortgage immediately and started the process of a loss mitigation. It is now XX/XX/XXXX and I am still going around in the same circle with Freedom Mortgage. I have been sending documents every time they requested it. I finally got a non profit involved in XX/XX/XXXX with XXXX and even with XXXX no one can get Freedom Mortgage to do what they say they are going to do. They give us point of contact which I cant nor XXXX can get in contact with. In one letter its everything is good and in the next letter its your denied because of a form. The same form which is the XXXX Freedom Mortgage will say you have this amount of time to turn these documents in that your missing. I will email and XXXX will email but they still say the documents are missing. I am trying to get help in saving my home. I have been told and I feel Freedom Mortgage is violated this law and that law but XXXX or anybody can't do anything Freedom Mortgage. Because it is public record our home is coming up for foreclosure I get a lot of advertisement letters and calls from people even Freedom Mortgage has called as one of these advertisements saying they help when I say I am currently in the process with you guys in a loss mitigation they say oh well thank you for your time and good luck with that. I have put in a new application with Freedom Mortgage with tryin to use my VA and of course was denied. I don't know what or can help me to get Freedom to stop this. I am starting to feel like they are above the laws.I have in the past used certified mailed, faxes, and lastly emails. And the company still says that they didn't receive the information requested. I have been sending the same thing over and over for the past 3 years. Thank you in advance for your help in this pressing matter.

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 08-05-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My wife,   XXXX   XXXX   has two mortgages with Ocwen Mortgage. One is on our residence,   XXXX   XXXX   XXXX  .   XXXX   XXXX  , NV  XXXX  ( loan #  XXXX  ) and the second is on a rental property at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , NV  XXXX  ( loan #   XXXX   ). My wife is current on both mortgages, never having even been late. In  XX/XX/XXXX , we learned of a judgement settlement from  XX/XX/XXXX  in which Ocwen was required to provide principal reductions to underwater homeowners and that Ocwen was required to contact those borrowers. Both of my wife 's mortgages were underwater, but Ocwen never contacted us. We wrote to Ocwen in  XX/XX/XXXX , and have had a plenitude of exchanges with them since then. We have saved all the paperwork, and have taken contemporaneous notes during telephone exchanges. We have cc 'd many of our letters to the Office of Consumer Ombudsman, the U.S. District Court for the District of Columbia, the Nevada Attorney General 's Office and you, the Consumer Financial Protection Bureau..
We jumped through all the refinancing/modification hoops with Ocwen, and, in the end, the only solutions they offered us were short sale or foreclosure. The primary residence is currently valued at about 420K, while the outstanding mortgage is   XXXX   ; the rental property is similarly underwater.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Sent certified mail on XXXX/XXXX/2017 to debt collector asking for proof that I owe the collection that is on my credit reports. The company signed for the documents on XXXX/XXXX/2017, in which I informed them that I had no contract with their company and the collection showing on XXXX XXXX and XXXX was not mine and is a fraudulent account. This company did not try to communicate with me via mail and reported to the credit bureaus without following the rules pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This should not have been put on my credit without any prior contact. I have attached the letter that was sent to the collection agency to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit card () with DISCOVER BANK (PA).
Issue: Other

Complaint: i applied for a credit card and i got rejected beacause i have no credit historyif i dont have a credit card then how would i build up my credit history

Company response to consumer: Closed with explanation