milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2016 about Mortgage (FHA mortgage) with FIRST MORTGAGE CORPORATION (TX).
Issue: Application, originator, mortgage broker

Complaint: To whom it concerns, my husband and I tried to purchase a home and have been deeply hurt. XXXX XXXX XXXX was our Realtor and Mortgage and XXXX XXXX was the Broker ( XXXX XXXX XXXX XXXX XXXX ) ( although we never met the Broker ). We proceeded to follow through with the contract ( XXXX XXXX XXXX Tx XXXX ) and put up the honest money {$1000.00} to XXXX XXXX. On the contract it stated that its not subject to buyer being approved for finance and it does not involve FHA or VA Finance on page XXXX # XXXX fin. a and d ; This was a FHA loan. We had to give additional {$1000.00} to the sellers made out directly to them and {$200.00} option fee made out directly to the sellers ( XXXX XXXX XXXX, XXXX XXXX XXXX ). The house was inspected {$350.00} and it passed inspection. We ask our agent to make sure that we get our money back if things do n't work out and please do n't let any time lapse. He assured us of this and in returned he stated that the sellers requested and additional {$1000.00} made out to them because underwriting was taken too long and it would go over the time. XXXX XXXX came to us and told us we were not approved and that we also lost all of our money. He then put a contract on another house XXXX XXXX XXXX XXXX XXXX, Tx XXXX ) where we had to put down honest money of {$500.00} with XXXX XXXX XXXX ) and {$100.00} option fee and to have the inspection done within 5 days which cost XXXX the first time and an additional {$200.00} the second time because the house did n't pass inspection because there were no fire detectors in each room which we had to purchase and put in before they could move forward. I really feel that we have been taken for our hard earned money and the Realtor, Broker and Title Companies are all bogus. I really feel no one was honest and had our best interest at heart. We as new buyers are relying on agents to be honest and explain in detail so that we have clear understanding and feel comfortable and safe with their decisions but this is one case that have us afraid to trust any agent or broker.

Company response to consumer: Untimely response
Consumer complaint received 06/20/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hunter Warfield  have not verified debt accurately. I never signed a contract with them or  XXXX   XXXX , my contract was with  XXXX   XXXX  but  Hunter  is reporting to my credit report as owing {$4500.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Debt collection (Payday loan) with ZARVAD III S.A. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I do owed a pay day loan they been harassing went to my mom house and when I talk to them said I do n't pay this amount we will at go to your employment I do n't want to pay a company money that a scam and threatening me I want to make sure it going to that company

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was an employee of XXXX and provided with virtually free XXXX as a benefit, all I paid was {$8.00} for the DVR converter. They terminated me, I suspect it is because I disagreed with their benefit of service policy which held individuals who shared addresses responsible for bills verses just the contractually obligated individual. They immediately increased the rate of my service instead of canceling the service at the end of the period paid through or providing me adequate notice of a rate increase. This resulted in a XXXX collection account. This is so long ago I do not recall when I canceled. I disputed this debt with them due to not receiving adequate notice and never agreeing to the amount billed. XXXX then sold this to a third party. The company they sold it to, Credit Protection Association, XXXX, XXXX TX XXXX, also attempted to add a {$5.00} collection fee to make the total XXXX. When I requested a copy of the contract and disputed the collection fee they sold this to another company. I disputed this again with XXXX XXXX, XXXX GA XXXX, who reported a balance of XXXX to all three credit bureaus. I disputed this and had it removed from my credit report. Now the debt has been sold to another company XXXX, XXXX FL XXXX and is once again being reported on all three credit bureaus. I will be disputing XXXX but this should not have been sold to them in the first place. I have disputed this debt multiple times and it just gets sold to someone else.

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
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted a previous complaint thru your portal in XXXX with complaint ID XXXX, do to Inaccurate accounts showing on my credit report. I received a response from the company stating that the accounts has been verified that they belong to me which is not accurate.

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have call credit bureaus to dispute all negative impact on my credit reports in regards to date of opening not correct, information from documents I have showing I do n't owe and cases that were discharged in my chapter XXXX from 2008, these companies keep reselling to other companies over and over again, one collection company which is XXXX XXXX has false reporting saying I owe when wisconsin circuit court shows I do n't, damaging my credit,

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear sir or madam, Im writing you in regards to a vehicle my wife and I punched from XXXX XXXX in XXXX ny on XX/XX/2016, we were under the understanding they ran our credit report and submitted it to there lenders for approval, instead they submitted applications to all there lenders and the all ran our credit I dont believe that we had given approval for them to do this, we are going to be looking to purchase a home, and when a lender spots all those hard inquires they are going to frown on that and it is going to hurt the interest rates they had run both our reports could you please help us Thank You!

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 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX contacted via phone and email advising all three major credit reporting bureaus account that does n't belong to me was being reported ; they advised would investigate the account came back verified then submitted ID Theft affaviadit on to local police and online XX/XX/2017 ; the account was removed after all requested documentation was submitted then on XX/X/2017 the account without notice was re-entered on XXXX and Experian file contact and was made aware of a glitch and that it would be deleted which has not happen. AT this point I would like account removed and blocked so that re-entry can not happen again

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 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The CBE Group, Inc. (ME).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: on XXXX/2017 this company published a derogatory mark on all 3 of my credit reports, I have never heard of this company, or, received anything from this company, it just appeared on all 3 of my reports. I do not have a/nor have I ever, had a contract with this compay, or, gave permission to this company to access my information, or, post anything on my credit report. I want proof of my wet siganture and me giving permission to this company accessing my information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: To : CFPB XXXX XXXX, OH XXXX XXXX RE : Experian To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Experian credit report, which is inaccurate. 

Specifically, the item is for a collection agency ( XXXX ), a collection for XXXX Insurance information was given at point of service, and apparently, the original company never submitted a claim to insurance nor did I receive a bill for this service. More than a year and a half later I received a bill from collections for this service. I was refused an original copy of my service bill ( it 's not even possible to verify I used this company ). The company ( XXXX ) will not even discuss this matter with me as they state it 's been sent to collections leaving me with no recourse or ability to verify I used this service. Shortly after, this bill was sent to the above collections agency and is now showing on my credit report as derogatory. The collections company states they have no information other than the bill ( although XXXX seems to have access to my protected health information, which is a separate legal issue ). The collection agency refuses to work with me ( in fact the owner hung up on me on my most recent attempt to gather information ) and further threatened ongoing negative reporting unless I pay in full immediately ( without further information ). The collection agency is now harassing me with telephone calls since I 've reached out to them but will not give me information to verify this bill. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Experian report showing the derogatory item. 

Sincerely, 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 07/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: It is showing on my credit report that i owe money on XXXX when i already paid everything. Infact I still have an open account on XXXX for my internet swervice and home phone service. I have ask XXXX why is this Debt showing from this company and they have told me they dont know why or how. They said they have contacted the Debt collector and told them that i dont owe any balance from them and they still didnt take it out of my credit report. I have called the Agency to show me proof of this Debt and they refuse to send me any document. This is affecting my credit big time since im trying to build my credit and purchase a house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Debt collection (Medical) with Account Management Services, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX, I received a phone call from XXXX at Accounting Management Service Inc. ( collecting agency ), located in XXXX, CA and I was told I owe {$2000.00} to XXXX XXXX XXXX ( as XXXX ), located in XXXX, CA. 
Later that day, I found out XXXX charged me {$2200.00} for XXXX storage fee that we 've never agreed or authorized. After the fact I sent the signed " XXXX Form '' to XXXX on XX/XX/XXXX via both e-mail and regular mail, In addition, I specifically called the office for a confirmation that the form had been received and the embryo would be disposed of. No one ever mentioned that the form was not valid at the time. 
I 've been trying to dispute this unauthorized charge with the billing supervisor at XXXX however all she could say is " the disposition form we sent had a notation on it to get a notary. I believe the account has been sent to collection it needs to be paid. And that form needs to be signed by a notary in order to receive any more bills. '' Until I requested on XX/XX/XXXX to send me invoices that they claim I owe, I had never received the invoices from them. 
I strongly believe we do n't owe this debt for the reason I mentioned above. 
I do n't understand why we have to pay for something we 've never agreed or unauthorized. They are ignoring the fact this debt caused by the negligence of their staff handling our file. 
Please refer the attached statement of the fact that I sent to XXXX but they keep insisting we owe the debt. 
If you can escalate this matter to investigation to improve the way the they conduct their business, it 'll help other victims. 
And I hope you can convince them to dismiss this debt. 
After I filed a compliant to Federal Trade Commission, they suggested to file a compliant with you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: My house at XXXX XXXX XXXX, XXXX, RI was foreclosed on by XXXX, because i had bought a new home, could n't sell the house and had exhausted my savings trying to pay both home mortgages. Green Tree was the second mortgage holder. I have been paying a monthly payment since XX/XX/XXXX, once I was contacted by Green Tree and the XXXX foreclosure was settled. I am required to set up payments in six months intervals, which I do for {$300.00}, which is higher than my original mortgage payment. I am not allowed to make the payments monthly on my own and are forced to pay a {$12.00} processing fee each month, which i have done. The last time I had to set up the next six months of payments, I was required to provide all my financial information before they were willing to discuss my account with me, when I refused to i was threatened with being sued. I reluctantly provided my financial information and was subjected to questioning about my monthly bills, my current mortgage, why i have open charge cards, why is my cell phone bill so high, etc. I was then lectured about paying the Green Tree debt first, in fact, the representative was trying to force me to make an offer to payoff the balance immediately. After much convincing I was able to get the Green Tree representative to set up another six months of payments. The representative made it very clear that if I do not settled the debt after XX/XX/XXXX, when the sixth month payment is processed or they will take me to court and sue me for the balance in full. I do n't feel I am being treated fairly. I am paying the mortgage lender monthly, the amount is larger than the original mortgage payment, I am paying a $ XXXX monthly processing fee and yet I am constantly threatened with a lawsuit for nonpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: American Education Services ( AES ) -- my student loan company -- has reported me 30 days late to my XXXX credit bureaus for the month of XX/XX/XXXX while I was in an approved forbearance. <P/>I have attached Forbearance Requests for : ( All of which were approved. ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have also attached the approval letters from AES approving my forbearance requests. In addition to the fact that I was in forbearance when they reported me as 30 days late, in regards to AES 's XX/XX/XXXX policy surrounding approved forbearances covering and reversing any late payments, for both of those reasons, I should not have been reported to the credit bureaus as late. <P/>CFPB, I need your help. Please help me get this issue corrected. I plan to refinance these loans to get away from this horrible company. I need your help. My credit score dropped XXXX points because of their inaccurate reporting. <P/>Thank you so much! I am so thankful for you!

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Received a call from XXXX about suspect acct inquiry. They cancelled card, and issued a new XXXX. On XXXX/XXXX/2015, I made a " freecreditreport '' request with Experian. Provided identifiers, they said that I had already requested a recent credit report ( had n't for well over a year ), that I would be charged {$1.00}. Because XXXX call, I agreed for the {$1.00} charge, even though I know I had not requested a free report recently. I got the report the same day/time. While reconciling our XXXX XXXX account on XXXX/XXXX/2015, I noticed a charge on XXXX/XXXX/2015 for {$21.00} from Experian Creditreport. I contacted a live person with Experian, with the assistance of a XXXX XXXX representative. She said that I signed up for credit monitoring, and I did n't cancel before the end of the " grace period ''. I informed her that I only wanted the free credit report, and reluctantly agreed to the {$1.00} charge even though I had not requested a free credit report recently. She again told me that I had not " cancelled '' within the grace period, but she would " cancel '' my account. She refused to provide a refund of the {$21.00}. First, I have not requested a free credit report in well over a year, I should have been entitled to a free report. Second, I did not knowingly sign up for " credit monitoring ''. I am generally pretty conscientious of " reading the fine print ''. If that was somehow buried in the web page that is very deceptive to the average consumer. {$21.00} is not going to break me. How many times has Experian conned consumers out of {$21.00}, or worse if consumers do n't reconcile their credit card accounts every month. Require Experian and other credit bureaus to accurately represent prior free credit report requests, and if they are equally abusive to the public to clearly state what services they provide and the fees to be charged for those services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX  is reporting that I was late 120 day I was in deferment i should not be reported as late

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Consumer Loan (Vehicle loan) with DriveTime (KS).
Issue: Managing the loan or lease

Complaint: I bought a XXXX Buick Lacrosse CX from Drive Time in XXXX KS. I only had the car for about 3 weeks and only drove it about XXXX miles and a rod started knocking. I was without the car for 2 weeks. Got it back on XX/XX/XXXX and 5 days later the muffler fell of in the middle. The very next day the car started leaking gas. They said when I bought the car that it was inspected which I believe is not the case as what has happened.

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 09/23/2015 about Debt collection (I do not know) with American Coradius International LLC (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have an online business, and I am victim of a Cyber-Crime by an individual XXXX XXXX, XXXX XXXX XXXX XXXX, New York XXXX. I have submitted police reports in XXXX Oregon XXXX and NYC/Precinct XXXX XXXX XXXX where the perpetrator lives. 

As a member XXXX who does all my processing, I was assured protection from illegal charge backs. However XXXX have lost 4 times including XXXX ( by XXXX XXXX ) that were done under XXXX seller protection and clearly showing customer agreed to terms and conditions of sale which was blatantly violated by initiating charge backs. 

When presented with all the evidence which XXXX states was more than enough : IE signed delivery receipts by XXXX and consumer emails confirming the order - including my calls to XXXX prior to fulfilling each order and being assure with signed confirmation of delivery I would be protected by XXXX - XXXX now refuses to honor their liability. 

To date I have paid {$2300.00} in illegal charge backs to XXXX. Within two days of the last demand for {$3100.00} I was sent to their collections agency. Even though I consistently paid their negative balances and been a customer for many years. Also XXXX refuses to honor their processing fees agreement that I had confirmation in writing by their own Account Executive. 

I spoke to an attorney who looked over the contracts ( neither of which I was ever presented with nor signed ) and it states all legal action must be done under the laws XXXX. Clearly evasive action by XXXX not to honor their commitments. The internet is full of cases where XXXX routinely losses all chargebacks then bullies the merchant into paying. I contacted several attorney 's in Oregon and NY whom all state XXXX is notorious for this practice. 

There are XXXX more charge backs potentially coming from the same customer whom XXXX advised if they keep losing the person will continue to keep lodging charge backs. The final XXXX will be an additional {$5000.00} plus XXXX fees. 

I need help. XXXX is trying to bully me into paying them or they are blackmailing me with the threat of a lawsuit thus negatively impacting my credit. 

I have all the evidence to support my claims. Being a small XXXX person business owner it is near impossible for me to weather these financial demands that law enforcement and attorneys state is improperly demanded by XXXX. Please contact me for any additional information. I have also filed with the FBI.

Company response to consumer: Closed with explanation