milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2015 about Debt collection (Medical) with BC SERVICES, INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I noticed on my credit report that there was a strange addition of negative information, so I called the company listed. They identified themselves as BC Services upon my phone call on XX/XX/XXXX. I asked what the debt was that they were reporting and they claimed to have called my number in XX/XX/XXXX. I have no record of contact at that time, nor do I remember speaking to any debt collector. I asked to speak with a supervisor and the supervisor was aggressive. I told him that I would need further verification of the debt so I can make an informed decision as a consumer. I told him I would be sending a letter requesting more information and his reply was that " I do not need to send a letter ... I can verify whatever you need over the phone. '' I proceeded to send the letter anyways so I could get the information I needed in writing. Today, XX/XX/XXXX I received a letter in response which was XXXX pages ( attached ) that tell me have no basis to verify both the debt, nor the information needed to verify BC Services right to collect on this debt. Their letter also indicated " Enclosed are the statements provided by our client that confirm the charges ; '' however, the letter did not include any statements. They only list that the charge is from XXXX XXXX and each of the XXXX pages indicates a different dollar amount. I feel that the creditor is trying to collect on a debt they do not have a legal right to collect on, based on the avoidance of submitting to me proof that they currently hold the debt and they have a legal right to collect on the creditor 's behalf.

Company response to consumer: Closed
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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: My wife and I filled chapter XXXX bankruptcy almost 7 years ago however we did n't file on morgage with XXXX who house is financed with. We keep house and keep up to date. It was in bankruptcy as not included and there was no dispute in court about no filling and keeping house. We have since also done a new loan modification as well however ever since bankruptcy the mortgage with XXXX will show up as a closed paid account or included and closed for bankruptcy. Different credit reports show different things or nothing at all. We habe asked lender to fix this several times and also filled many disputes with 3 major credit reporting companies and it never gets fixed or updated. Due to this we are unable to refinance house and get a equity loan. We need both my wife 's and mine credit reports fixed since mortgage was exempt on bankruptcy and also a new loan was done. This is affecting our credit and life.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Bank of America offers co-branded credit cards with   XXXX    XXXX . They offer  XXXX  versions of the credit card with very different rewards and sign-on bonuses.     Bank of America 's application is problematic because a consumer will apply for the credit card with the better rewards/bonuses, but the bank will make the final determination of which version of the credit card the consumer will   receive.
I applied for Bank of America/  XXXX   XXXX   Signature Card. My applicati  on was approved, but Bank of America sent me the Platinum Card which provides lesser rewards/bonuses. I cancelled my card.     Bank of America should simply have  XXXX  separate applications for their  XXXX   XXXX  credit cards. I would rather be denied for the card I applied for instead of receive a card I do not want. Going through this application process is a waste of time and effort, as well as a cost imposed on m y credit score, when I can not simply apply for the card I want.

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 02-11-2016 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage loan with Santander bank, and have been having difficulties paying my mortgage since I lost my full-time job in XXXX. I was denied Loan Modification 5 times over the past 4 years, the most recent being XXXX XXXX. In XXXX XXXX, I received help from CHFA ( in the form of a Loan - with deferred payments ) and brought my account current. 
Because the mortgage loan was never modified - I am still paying an interest rate of 5.75 % and the payments are almost {$1600.00}, I fell behind again in XXXX. 
I continue to make payments, and on XXXX XXXX, XXXX I had made enough payments totaling one month 's mortgage. 
However, Santander DID NOT apply the payments to my account, but instead sent my information to an attorney to begin the foreclosure process. On Monday XXXX XXXX, I received a letter from XXXX XXXX XXXX regarding said mortgage. I also received - on that same day- a mortgage statement dated XXXX XXXX, showing the unapplied funds. I immediately called Santander and spoke with XXXX XXXX, who could not give a valid reason why they did not apply the {$1500.00} to my account. 
Subsequently the mortgage company refunded me in XXXX installments the XXXX for {$790.00} received on XXXX/XXXX/XXXX and the XXXX for {$800.00} received on XXXX XXXX, XXXX. 
Santander Bank, by their actions FORCED me into foreclosure to suit themselves. Instead of assisting me to keep my house they are trying to forcible take my house from me. 
I am also a Social Security XXXX recipient. 
I have a modification package which I will complete and return to them within the next few days. 
Please investigate. 
Thank You XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07/27/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On my credit report there is an incorrect address listed as a previous address.I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This address is listed for me but I have never lived in XXXX and I have documentation to prove that I was living in XXXX as well as working in XXXX when this was added to my report. I have made a police report In reference to this and notified the credit bureaus although this has not yet been removed

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen is a Servicer on this loan. Loan # XXXX. Borrower XXXX XXXX. Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We are in the process of negotiating a short sale on the property, Ocwen presented a counter offer, I have submitted documents from the buyer accepting their counter offer at Fair Market Value. On Friday assign negotiator told me that postponement of trustee sale scheduled for XXXX/XXXX/16 has been approved and we are just waiting to find out when is TS is rescheduled for. Today Ocwen notified me that postponement has been denied. This is a double trucking and violation of CA XXXX of rights. Please help to stop TS so we can complete Short Sale. My phone number is XXXX. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: BSI keeps responding skating around direct answers and still this to date not answering XXXX direct question. I am also now going to FTC.

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 01/20/2017 about Debt collection (Medical) with Credit Systems of the Fox Valley, Inc. (WI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: The company is XXXX their phone # is XXXX XXXX at XXXX am they called my place of work. I answered and they asked for me using my full name-when I asked what it was regarding they said it was personal. I said it was me & they wanted to talk to me about a bill because they could n't reach me by phone ( had my phone # changed when I switched carriers several months ago ) I had a patient standing in front of me waiting to get checked in so I told her to not ever call me at work again or I would get XXXX of an attorney. This was very embarrassing for me as my co-workers and the patient heard the whole thing. Very sad that they would stoop that low and put my job on the line by calling me at work. We are not supposed to take or get personal calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On my credit reports there is an account that is not mine. It is from a collection agency named XXXX XXXX & XXXX XXXX account # XXXX XXXX. It claims that I owed them a debt, which I do not and never signed an agreement with them. Now it is hurting my future because when I apply for housing the landlords reject me because on my credit report it states the XXXX XXXX XXXX XXXX account came from an apartment complex. Please help me with this situation as I do not owe any money and I can not get housing because of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Shellpoint Partners, LLC (AR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: None of the above choices fits my actual situation. 
I have a personal unsecured loan of $ XXXX that is currently paid down to {$11000.00}. Payments are approx. $ XXXX/mo. and continue for another 11 1/2 yrs. The account is current. Shellpoint Mortgage Servicing in XXXX, TX is the monthly collection firm on behalf of their investor client..who I was once told was XXXX XXXX XXXX. XXXX but have no confirmation. 
Because of a health issue and my age, I made a written offer in XXXX, 2016 to Shellpoint Mort. Serv. to pay off the balance at a reduced amount. I was told this offer was forwarded to their investor client for a decision. 
It has now been four months without the courtesy of any reply whatsoever on this cash offer. I continue to follow up with the representative at Shellpoint ( and later his Supervisor as well ) to get a response and am always told it is beyond their control and the decision rests with their investor client. They never provide any details on their follow up efforts after my phone calls nor do they ever keep me informed of any efforts on their part to get a resolution from their investor client. 
I 'm sick of the constant delay to respond to my letter and offer and my recent follow up phone calls. There is no excuse for not replying in four months. 
Your help in getting the matter resolved is very much appreciated.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Credit Bureaus and collection company keep verifying and updating my account without sending proof of contract with signature. I aso was not notified within 5 days of reporting to the credit bureaus that the collection agency was going to report to the credit bureaus.

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 10-06-2015 about Debt collection (Credit card) with Global Credit & Collection Corporation (UT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX/Global Credit work together, at least at times. XXXX or all of these XXXX ( I believe XXXX XXXX ), submitted my name to the XXXX credit bureaus as a negative " no payment ''. All XXXX credit bureaus now have a negative report on me. This is completely unfair and incorrect & below is why : Either someone has fraudulently opened a XXXX card in my name or XXXX XXXX/Global Credit has improperly done due diligence. About a year ago, a XXXX credit application was opened in my name. A small charge of {$38.00} was made. And for continual months thereafter - the XXXX bill was sent to another city with a different zip code! Thus, I never received a bill, and thus I never even knew a bill was supposedly due. Fast forward till now. I do a credit report and find out that my credit is tainted, and at all XXXX credit agencies. I call around & find that Global Credit has been in charge of collecting. But, they have NEVER called me, and I have never received a bill! I 've called ( beginning in XX/XX/XXXX ) Global credit and requested original credit application documentation, and continued calling them every XXXX weeks, and as of yesterday XX/XX/2015, they still do NOT have any supporting documentation of the credit card application. They have also confirmed to me that this XXXX bill was sent to a different city & zip code and NEVER to my address. Yet, in spite of never sending any bill to me, to pay, evaluate if mine, etc., they have gone right ahead & posted a negative credit rating XXXX all three credit agencies )! This is outrageous. You see, supposedly this account is registered in my name. But with a different city & zip code. Hence, I 've NEVER received a bill. Yet, they 've had the audacity to file a negative credit report against me - when this account is either a fraud account or has been mistakenly ( on their part ) mailed incorrectly to some other location and city. And the original bill was only {$38.00}! My credit history has been impeccably kept amazingly excellent over the years. I ALWAYS pay my bills and on time. But, I do n't pay for others ' bills, or for bills which I know nothing about, as I never receive a billing notice. Anyway, I 'll not quit till the XXXX credit reporting agencies have all cleared my credit history. And, I will demand from XXXX/XXXX/Global Credit a letter of apology, as they have done a huge mistake and error in judgement. Anything short of this, will result in legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: Credit card protection / Debt protection

Complaint: My bank, TD Bank, recently just closed my credit card down. They had finally provided chipped cards but I saw on their form I had to use the last XXXX digits of my Social Security number as part of my ID. I said I did not want to do that because of the exposure to hacking it would enable and right then, they closed my existing non-chipped card and the chipped one which I had never agreed to signing up for. My credit report must look awful. 

I am confused and I am also profoundly deaf and banks are not easy for me because they wo n't do anything on line so I have to drive there every time there is the slightest issue. Well this is a big issue and I am learning from other people that most of the banks are doing the same thing - demanding people use XXXX digits of their Social Security card which is then put on their huge on-line systems. 

This makes no sense given the hacking situation where even federal employees data has been hacked en masse. Are banks allowed to do this and ask for those XXXX digits as part of an ID system? I do understand they need the entire Social Security number for various reasons but think that should be segregated from every day transactions. Are we as citizens being forced to put ourselves in unnecessary risky situations and if so, why? Interestingly I do n't have to provide that data for a debit card so I do n't understand why they are putting FDIC backed accounts at risk and why they are allowed to do it. 

Any help you can give me will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: In XXXX 2015 I applied for the XXXX XXXX XXXX Rewards Gold Credit Card. After nearly XXXX weeks of waiting I never received a credit card, and never activated a credit card via phone or americanexpress.com/activate. I was told on several occasions a card was being shipped to me only to find out XX/XX/XXXX, there were never any shipment created or tracking numbers in their system. At this point I cancelled my Everyday Cash Preferred card and told them I will not be activating any XXXX Gold Credit Card I received. 

XX/XX/XXXX, I was in search of another credit card and decided to try the XXXX Rewards Gold Credit card again, as there was a sign up bonus of XXXX XXXX ( XXXX Rewards points ) if you spent $ XXXX in three months. It was available to new/first time users of the XXXX XXXX Rewards Gold. I applied for the credit card and upon receiving my card, AND before activating it, I called XXXX XXXX to confirm if I would be elligible or not for the discount per my prior situation. If I was not, I was not going to use the credit card. The customer service agent said I was eligible for the card, as long as I met my spending. I asked the gentlemen are you certain and he said yes. 

Three weeks ago I e-chat XXXX XXXX to inquire if I met the spending limits and if the points were going to be granted to my account since I met the spending requirements. It was at this time the online agent told me I was not eligible for the discount due to previously having the card. I explained to them, that I applied for the card and never activated it due to several errors on XXXX part which ended up we me never receiving a credit card to use. The agent then said well you are not eligible and should have checked. At this point I explained that I called on the day I received the credit card to ensure I was eligible and the representative told me I was. After an hour of back and forth, they created a case for me with an indefinite amount of time to hear back. 

The credit card has a {$190.00} annual fee, which I am not comfortable with paying given this horrendous customer service. Nearly a month to investigate a simple issue is ridiculous, and not on par with their competitors namely XXXX and XXXX XXXX service.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: I leased a XXXX XXXX XXXX. My lease matured in XXXX XXXX, so before the maturity date I contacted Lexus Financial Services and asked for 6 months extension. The rep took down my request and told me I should be notified shortly weather my extension was granted. I called a few days later and the customer service told that he could not see it but if I saw that a payment for the next month was available that meant that the extension was granted. I logged in into my LFS account and a payment for the month of XXXX was due. I made the payment and was under the impression that the lease extension was granted. The next payment notification came in XXXX so I paid it as well. A few days after the XXXX payment at XXXX XXXX in the morning a tow truck with two beasts gets inside my property and tows away my car. I get confused thinking it is a theft. I tried to get my stuff from the car to make sure it was not a theft, one of the beasts blocked me and they took off. I called the police department and was advised that it could be the financial services. I got doubtful because I knew I had made the payments. I called LFS they apologized and told me that the extension was never granted. I called another time just to pose a question weather they made a mistake or they really acted in compliance with the California laws. I asked them if the lease is past the maturity date and the extension is not granted are they supposed to accept further payments, and their answer was NO. A month after the incident they sent me a a letter thanking me that I returned the vehicle to XXXXXXXX XXXX which I did not and that the vehicle had excess mileage/and wear as defined by my lease agreement or I had some unpaid charges, or both. The the statement reads I owe them {$2400.00}. I called them again and told them that my vehicle had excess mileage but not in excess of XXXX miles which I paid in the two extra payments that I made after the maturity date. They had no answer but to insist that the amount was due and that it need to be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/2013 I took out a payday loan for {$4800.00}. This company is reporting {$5300.00} on my credit report. This account is in a collection agency. 
How can the report an incorrect amount? Under the Fair debt reporting act they are in violation and should delete this information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Unauthorized inquiries on my report from Chase Bank credit cards. I was told that one back in XXXX was going to be removed this month. Not only is it still there, but there is another one now! I also have a fraud alert on my file and did not receive a phone call.

Company response to consumer: Closed with explanation