milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2015 about Debt collection (Credit card) with URS Holding, LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The collector may be violating the Fair Debt Collection Practices Act, or FDCPA. On XXXX/XXXX/2015 I received a call from my friend that United Recovery Systems XXXX called them on their cell phone [ WHCIH I HAVE NO IDEA HOW THEY GOT UNLESS THEY HACKED MY COMPUTER ] ( about XXXX XXXX est ). They disclosed information to that party that is in NO WAY associated or tied to the obligation. The number they called was from XXXX. If they did hack any personal data, they are criminally liable for theft. 

This collector has called my cell phone often ; my wife 's cell phone and my home line at least 2x per day. This has stepped way over the boundaries of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX has stated that I owe a balance on an account. I has submitted dispute about this account and claim of inaccuracy. I had to resubmit my current address and information that verified my identity with Equifax after I sent that information in XX/XX/2016. This upset me tremendously because my information was not processed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Loan modification,collection,foreclosure

Complaint: The Bank of America signed a settlement agreement with the DOJ in XXXX of 2014 regarding Countrywide mortgages. According to the Settlement the Bank of America was to suppose to modify all the Countrywide loans shown on XXXX XXXX of the Settlement. Currently Bank of America is keeping it a secret which mortgages are being modified. The only mortgages being modified are the ones Bank of America still owns. As a result Bank of America is violating HUD and CFPB 's regulations. See the attached letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: The account was opened   XXXX   XXXX   XXXX   for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement.and tried to resolved it for over 1 year.     The credit reporting agencies keep on reporting it as  Paid,  was a charge-off despite that the account was paid in full not charge  off ( EXHIBIT A ).  Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck.   In Credit report Agengies, it is stated as FP ( Fail to Pay ) as of  XXXX   XXXX  and I sent a letter to both  Creditor & Credit Agencies  ( Exhibit C ). The creditor sent a letter to confirmed that I made full payment to the creditor and invited to apply and gain a new card ( EXHIBIT D ).   The creditor agencies reported in my payment status as Legally paid in full for less than the full   balance ( Exhibit B ) which is wrong after getting my result of my complaint from CFPB.
The Creditor Agencies punishing consumer who exe  rcise their right to ask for fair credit report treatment by keep on reporting wrong information in the credit report. Please can you step in to help me resolve this problem which over 3 years now.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (ID).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have never resided at this addresses listed under " Associated Addresses ''. The other addresses are correct. 

Equifax XXXX Former Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UTAH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/24/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Eqifax reported information on my account incorrect XXXX appears in my account as a a collection record. I have no knot of this account. This account was previously deleted and now has appeared on my report XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Columbia Recovery Group LLC (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: This company is automatically charging me their legal/attorney fees for a court summons, and including those fees in the settlement on top of the original debt plus interest. I was n't even notified or aware of the debt or that I would be sued. I was n't even aware of the debt itself, I had to contact the original creditor to confirm their contact information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX I purchased a car from XXXX XXXX XXXX XXXX and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (Other debt) with The CMI Group, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an account with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The account was closed several years ago, and the account was cleared. They posted to my credit that I'd owed {$430.00} for an equipment charge. I contact them regarding the posting, as I did not we this amount. XXXX confirmed by phone that there were no notes on the account about me owing any funds. I asked them to remove the item from my account, they said they could not. I contact the credit bureau to which it was referred, they too refused to remove it. 

In XX/XX/2017, I set up a new account as we had just moved, and they did not indicate that a balance was due on the account, so I was able to set up the new account with no problems. I closed the account around XXXX because of slower internet speeds than indicated and the fact that we had too many outages in which we could not use our service. I closed the account, with a small balance on account ( under {$100.00} ) which I'd made preparations to pay once I returned from medical leave. Upon checking my credit this month, They have since modified the OLD credit report account, making the new account date XX/XX/2017, the amount being the same. This is grossly incorrect and unprofessional. I am prepared to pay the funds due, but would like my account reported accurately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2016 about Mortgage (VA mortgage) with ClearPath Lending (CA).
Issue: Application, originator, mortgage broker

Complaint: This company Clear Path Lending, has sent me mailings that have logo and seals of the Department of Veteran Affairs, when I called they told me they were the VA! I 'm not the only person they have done this to based on looking them up. They have been sued for fraud in civil court which could be found online. Also there is a genetleman that owns the company that they try to hide his same is XXXX XXXX, he is also the same guy the does be XXXX XXXX in a company called XXXX and XXXX and XXXX XXXX. This guy changed his name to XXXX XXXX in the XXXX. They are pretending to be the veterans administration! 


ClearPath Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: In an attempt to pay off my loan with Ocwen, I sent XXXX large payments to the institution on XXXX XXXX that would have decreased my loan amount to within a couple of hundred dollars ( you can not send XXXX payment that exceeds 80 % of the loan balance so I broke the payments up into XXXX XXXX. I scheduled the payments for the same day because I did not want any interest to accrue. After a few days, I noticed where the XXXX payments were withdrawn from my bank but that my Ocwen balance had not changed to reflect my XXXX payments. I called Ocwen on XXXX XXXX to ask about the payment. The Ocwen rep explained that because the XXXX payments were scheduled for the same day, that it exceeded the 80 % max limit. I asked Ocwen to return my XXXX payments. The rep said it would take XXXX business days. I called Ocwen back on XXXX XXXX when my funds had not been returned to my bank account. I gave them my account number and routing number to my bank, information that I am sure they already had since my monthly mortgage payments are debited from my account. They asked me to wait a couple more days. I called Ocwen back on XXXX XXXX. The rep asked me to be patient and assured me that the funds would be returned by XXXX XXXX. There were no funds returned to my account on XXXX XXXX. I called Ocwen again. I was asked to wait 40+ minutes on hold while the Ocwen rep put me in touch with an escalation specialist ( ES ). The ES told me that my funds would be reurned within XXXX hours and that he had put it in as a priority because I had called so often. There were no funds on XXXX XXXX. I called Ocwen again to see if there was a problem. There was. After speaking to a rep and another ES, I was told that my funds could not be returned to me! The ES said that he did not see my funds! He claimed to put me in touch with someone who XXXX be able to address my concerns. So that 's where I am now, on hold waiting to speak to yet another person! This is a significant amount of money and I fear that Ocwen is trying to get away with keeping my XXXX payments!

Company response to consumer: Closed
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   charged me without my authorization for a plan / service I did not want. when I tried to get it cancelled and refunded at the store they refused saying it was too late and I had to wait to cancel.     I called the home office and they claimed they cancelled it for me.     a year later I get a letter from a collection agency.      1. We never asked for the service 2.   XXXX  assured us this would be resolved.

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 03-02-2017 about Credit reporting () with AMERICAN EXPRESS COMPANY (HI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: American express listed my business card with them as an individual account on my personal credit report. That was never an individual account it was always a business card. They need to prove that it is my debt and that I agreed to joint liability.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XX/XX/XXXX, I reported the unethical manner in which a law firm/collection agency obtained a judgment for their client. The reference number for this case is XXXX, ( still under investigation as of today 's date ) within this complaint I detailed how this process will greatly harm me and my family. Well just like I proposed in my complaint -- the three reporting credit agency included this information on my credit reports as of XX/XX/XXXX, my credit score has decreased 35 points. I am requesting again that this agency intervened in this process, upon reviewing my previous submitted complaint you will find that I reference my concerns as it pertains to my credit report and how this information will affect my credit score.

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 07/28/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: Please see attached documents written regarding an escrow refund that I have yet to receive since XXXX 2017. Document one was sent to my original lender regarding the issues I 'm having with no response. Document two is the trail of emails between myself and their " Account Executive II ; LC-Client Relations Department '' who I have not heard back from in over a month after the Lending company forwarded my letter over to her to help me get resolution on the issue. There is a document of the police report regarding the theft of my check that was sent to Loancare as well. I spoke to an XXXX, XXXX, XXXX and 3 other rep 's since yesterday who have not solved the issue or returned my calls. The money was stolen from Loancare and as I understand they need to pursue getting the money back from the person that stole and deposited the funds to their own account, that has nothing to do with the fact that they still owe me the overpayment in escrow fees for my supplemental taxes that are now past due as of XXXX-2017 because I was told the money being refunded was the money they collected to pay them for me and never did. I have done all the research for them to find the person that stole the money, where they deposited the funds ( XXXX XXXX ) and opened the fraud case with that company and gave that info over to XXXX as well. I have made phone calls and emails to XXXX XXXX multiple times since XXXX-2017 with no response from her to date. The rep I spoke to today stated I needed to wait 90 days for them to finalize their investigation but I 've waited since XXXX-2017 and been given false information from multiple rep 's of where my money is at or when it would be delivered to me. They wo n't allow me to speak to anyone other than a customer service rep or a customer service supervisor which neither can help me in the process. They continually place me on hold, tell me they will call me back when they never do and I 've lost an estimated 80+ hours of work time due to working on this issue with still no resolution. I am owed {$3400.00} from Loancare that they have not delivered 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The following addresses do not belong to me. When I disputed with the bureaus they would not remove from my profile stating they are attached to account on my report which they should n't be because I have never lived there as well as they are XXXX XXXX addresses XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX XXXX WV 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 10/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt collector is attempting to collect a debt and I am attempting to set up arrangements to pay. I 've called during thier stated business hours and each time the automated system tells me I am next in line for an available operator and then I get put into their viocemail system which states someone will call me back ASAP. No one ever calls me back and I clearly leave my name, account number and phone number. If I do n't get a hold of them by XX/XX/XXXX they are going to just take the whole amount out of my paycheck.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened a Bank of America BUSINESS checking account ( XXXX XXXX XXXX ) for the express purpose to deposit my rental income checks from XXXX XXXX XXXX XXXX XXXX XXXX ( which is the property management company that manages my rental properties. ) I was told by the Bank Manager that I would have access to those funds the same day, that I deposited my check. Today, I could not use my debit card. I checked online to discover I did not have a penny of those funds available to me. Bank Mgr tells me a HOLD was placed on this check until XX/XX/XXXX! He said any checks written will BOUNCE!!! WHO incurs all the NSF & Bounced Check Fees?

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 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Company : XXXX Date : XXXX XXXX, 2016 Amount : {$480.00} This account was paid and needs to be completely removed off my credit files.

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 07-11-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: After my FHA Loan was transferred from XXXX XXXX company to Loancare XXXX, none of my mortgage information was transferred over correctly. Loancare reported me 60days late to the credit bureaus and tried to foreclose on my home after speaking with XXXX XXXX in the collections department and providing her with proof of payment to XXXX XX/XX/XXXX and XX/XX/XXXX, which was within the 60 day legal period of the loan being transferred. I also sent a letter to Loancare from XXXX stating that my loan was transferred to Loancare as of XXXX XXXX, which is why I continued my payments to them for those two months. I was reassured that these funds would be collected from academy and with no penalty to me. I also asked for my escrow account to be fixed since it was still reflecting a dramatically lower payment than I was making at XXXX. Even still i continued to receive constant foreclosure letters and no change to my escrow account. After getting a lawyer to assist me in this process I then spoke with XXXX XXXX who assisted in getting my monthly payment corrected but would not assist me in my escrow shortage. He claimed everything was update and could no longer assist me. I then spoke to someone in customer service named XXXX XXXX who admitted my escrow account was short and would work to resolve the issue but, I have yet to hear back from her. She asked me to forward her all my emails with XXXX XXXX and I did. This issue has been ongoing since XXXX XXXX. I have lost sleep and been stressed out for months. I thought laws were put in place to prevent company 's from treating clients like this. The lack of response and care is completely discomforting and unprofessional. It would take me to call Loancare 5 times just to recover one person to assist me correctly. With all said and done my escrow account is still short in funds. XXXX sent me information stating they sent over {$2300.00} for my escrow account through XXXX 2016. Loancare reports only having {$1800.00}, as of today, remaining. This amount is incorrect because my monthly escrow payments are ) XXXX. My monthly PMI is {$100.00}. My yearly Hazard insurance is {$720.00}. So if you add {$260.00} for each month of XXXX, XXXX, and XXXX, then subtract the monthly {$100.00} for PMI and {$720.00} for hazard insurance, my escrow balance should be {$2000.00}. Where is the rest of my money???

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 11-07-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently went on my credit report and saw I have a collection from Midwest Recovery Systems. I called to find out why this has been placed on my credit report to and they said it was from a XXXX XXXX of {$840.00} in XXXX from XXXX XXXX. I have never received or applied for a payday loan and this is fraudulent. I asked for a proof of debt and they would not send. I have never received funds from this company and they need to be removed this from ALL XXXX credit bureaus asap! This is a scam to collect money. XXXX XXXX is no longer in business as well. This is complete Fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (Other mortgage) with BANK OF THE WEST (NE).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 I reinstated mortgage # XXXX with Bank of the West, XXXX XXXX XXXX, XXXX, XXXX. I was in the process of selling the property and provided Bank of the West a purchase agreement, but they refused to work with us. On XXXX XXXX, 2015, less than a month later, the property closed on the same purchase agreement and Bank of the West was paid off at the amount they demanded. 
Previously, demand was made on Bank of the West to this agency for full disclosure regarding all figures supporting the payoff of this loan ; however, the reinstatement figure of {$11000.00} remains unaccounted for. Bank of the West has failed to provide itemization for this figure.

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