milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-02-2015 about Mortgage (VA mortgage) with loanDepot.com, LLC (TX).
Issue: Credit decision / Underwriting

Complaint: I refinanced my mortgage through Loan Depot in XXXX of 2015. I have used their mortgage servicing website to make payments etc. On XXXX XXXX 2015 I received an e-mail from Loan Depot Personal Loans that an account had been established using my e-mail address. I thought this was identity theft because I never applied for a personal loan. I tried to log into the account but was unable to even through password reset. I called the XXXX number and was told their IT department would look into it. A few hours later XXXX called me. XXXX told me that she did not think this was identity theft. I asked her why and she asked me if I knew XXXX XXXX. XXXX XXXX was the Mortgage Broker at Loan Depot that processed my refinance. XXXX told me that the account had been created by XXXX XXXX. I asked XXXX why XXXX XXXX would have created a personal loan account in my name and she told me I should speak with him. XXXX told me that on the Application that XXXX XXXX submitted at around XXXX that he had obtained my verbal consent over the telephone prior submitting the application with my information on it. I told XXXX XXXX did not request a personal loan and she closed the account. I got an e-mail that said the loan application had been terminated at my request and informed me that my credit score was a XXXX obtained by XXXX. I e-mailed XXXX XXXX about running my credit and opening a personal loan account without speaking to me but claiming to have my consent over the telephone. I am not sure what XXXX XXXX 's intentions were but his actions are unethical and illegal. I have copies of all of the email and the 3 minute voicemail message he left me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Student loan (Federal student loan servicing) with ConServe (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have contacted my servicer multiple times asking for information about my contract, verification of amounts which have been paid and balances but they do not respond with the requested information. They send me letters back stating they are servicers of my federal student loans and ask again what information I 'm looking for even when it is clearly noted in the multiple letters sent my certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt was from my identity being stolen I didnt open any account that resulted in this collection i have completed a police report which can be verified with the XXXX police @ XXXX report # XXXX and i have a notarized identity theft affidavit from ftc please remove this off of my credit and close my file ASAP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Bank account or service (Checking account) with BB&T CORPORATION (MD).
Issue: Problems caused by my funds being low

Complaint: My checking and savings account both had maintenance fees charged this past month. I HAVE NEVER BEEN charged this before and never provided an explanation on why I was charged this on my accounts.

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 09/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by IC Systems on the behalf of a debt I owed to XXXX XXXX. I negotiated a " pay for delete '' agreement and have since paid the debt. It was paid XX/XX/XXXX. XXXX XXXX has since posted a negative hit to my credit report as of XXXX. I want this removed immediately as the debt has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My son is XXXX, in the XXXX. I still receive mail addressed to him once in awhile and have his permission to open mail and deal with any issue that might arise. I received a letter from a collection agency requesting a balance owed for automobile insurance. They also sent another clients debt and personal information in the same mailing. I tried to negotiate a settlement with them and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (ME).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX our daughter who was XXXX years old at the time had a XXXX within one week. She is know XXXX. My wife was forced to leave her job at the XXXX XXXX so she could take our daughter to multiple weekly appointments which continue today. Unfortunately the loss of her income did not leave us any choice but to file CHXXXX bankruptcy. The trustee made small monthly payments to OCWEN while we were under bankruptcy protection. Our case was discharged on XXXX XXXX XXXX. I have spoken with OCWEN several times over the past year and submitted paper work many times for a loan modification. Each time they said they never received all of the paperwork. My remaining balance with Ocwen is around {$100000.00}. I meet all of the criteria for a government loan modification yet they keep denying me. I have been forced to hire a law firm to protect my home. My current mortgage percentage rate is 9.2 %. If OCWEN would work with me and lower our interest rate and monthly payment, we could retain our home. Our home is the only thing my wife and I have and would expect OCWEN to follow federal guidelines and not give us the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Debt collection (I do not know) with MERCANTILE ADJUSTMENT BUREAU, LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received any notice of collection from any agency. There was no provided attempt to pay a simple amount.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Macy 's refuses to remove unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times and they were never able to validate this account. I was given no evidence of my obligation to pay this debt to this credit card company.
They are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally disabled, unfamiliar with handling their own finances.
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Im also contacting   XXXX   XXXX   XXXX   for help.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

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 12/19/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I bought a couch on XXXX/XXXX/XXXX from XXXX 'XXXX. They advertise and tell you that you have 24 months 0 % financing. When I received my statement the plan expires XXXX/XXXX/XXXX. This is 1 year 11 months of financing. I complained directly to XXXX 'XXXX  by calling XXXX XXXX at XXXX. Someone called me back on XXXX/XXXX/XXXX from the number XXXX. He kept telling me the time starts the day you buy the item. Basically the gentlemen tried to explain it and I said that is not 24 months financing that is 23 months financing. 

They do not charge you interest if you buy something on the retail account and then you pay it off when you received your statement. But they start the promotional account from the day you purchase the item. 

I have several other cards and not one calculates the free financing in this manner. 

They either have to quit advertising 12 months free financing or advertise that it is 11 months free financing. 

They also advertise that anything over XXXX is free advertising. However, if you buy anything on their website they do not offer free financing at all. This is extremely confusing to the consumer and is not right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Debt collection (Other debt) with ACE CASH EXPRESS, INC. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notice in the mail onXX/XX/XXXX, sent from ACE Cash Express , Inc on XX/XX/XXXX, claiming I had " cashed the following check ( s ) identified at our place of business. However, upon the checks deposit and presentment, the financial institution refuse to honor payment. Since we have been unable to reach you, we request that you contact us promptly at XXXX XXXX XXXX XXXX XXXX to  resolve this matter. Failure to resolve this matter may result in additional actions. '' It's then listed check number XXXX, dated XX/XX/XXXX, maker listed as bill pay check multiple makers, for the amount of {$270.00} plus a fee of {$30.00}. 

Upon calling to inform them that I have never been to their establishment my entire life nor have I received a check in any form in the past 3 years and that there was no way that this could possibly be for me, I was then transferred to XXXX XXXX, the name listed on the notice. She seems confused over the error, and on three different occasions requested that I verify the last 4 digits of my social security number. She also claimed that all of the information including my address and my name were correct but it appeared my social security number might be off. At a different point she requested my full social security number and asked me to verify my middle initial. She then said that she was going to have to work with her manager to figure out what the problem was and would get back to me in 2 to 3 days. 

Return address on the envelope is XXXX. XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: RE-INVESTIGATION OF CHAPTER  XXXX  FILED IN   XXXX      XXXX   XXXX   DISTRICT COURT AND ANY ACCOUNTS ATTACHED TO THIS CHAPTER  XXXX . SOMEONE STOLE MY IDENTITY AND OPEN UP ACCOUNTS IN MY NAME AS WELL AS A CHAPTER   XXXX   BANKRUPTCY THAT WAS FILED ONLINE ( PRO-SE ) I DID BETTER INVESTIGATION THAN THE CREDIT BUREAUS AND FOUND OUT THIS CHAPTER  XXXX  ( FRAUD ) WAS FILED 1. ) ONLINE 2. PRO-SE ( NO ATTORNEY ) 3.   XXXX   XXXX   NEVADA ( I NEVER LIVED IN NEVADA ) 4. THESE ARE THE ACCOUNTS THAT WAS ATTACHED TO THE CHAPTER  XXXX  IN   XXXX   XXXX   DISTRICT COURT.
  XXXX   XXXX     XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   I RESEARCHED EACH AND EVERY ACCOUNT BY CONTACTING THESE CREDITORERS ALL EVIDENCE AND INFORAMTION CAME BACK TO SEVERAL   XXXX   XXXX   NEVADA ADDRESS.
  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX    XXXX    XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   NEVADA   XXXX      XXXX   XXXX     XXXX   XXXX   NEVADA THE MERCHANDISE THAT WAS RECEIVED FROM   XXXX   XXXX   WAS SHIPPED TO   XXXX   XXXX    NEVADA AND ALSO SAME WITH   XXXX   XXXX  .
THE CHAPTER   XXXX   XXXX   NOT MINE AS WELL WHICH WAS FILED ONLINE IN   XXXX   XXXX    NEVADA DISTRICT COURT AND ALSO THERE WAS A VEHICLE INVOLVED. I HAVE PROVEN TO THE BUREAUS THAT THIS WASNT ME. I PROVIDED THE FOLLOWING TO EACH CREDIT BUREAU.
1. 17 YEARS WORTH OF ALABAMA ID ISSUED DRIVERS LICENSE 2. ALABAMA STATE TAX RETURNS 3. RENTAL LEASES FROM  XXXX - XXXX   XXXX  IS THE ONLY BUREAU THAT HAS REMOVED ALL THESE ACCOUNTS AS WELL AS THE CHAPTER   XXXX    FROM MY CREDIT FILE. I HAVE FILED POLICE REPORT IN MY CITY AND SURROUNDING CITY DUE TO THE FRAUD ACTIVITY ON MY CREDIT REPORT. THIS IS IDENTIY THEFT IN A STATE WHER EI NEVER EVEN VISIT. PLEASE RE INVESTIGATE AND REMOVE FROM MY CREDIT FILE

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 04/13/2017 about Debt collection (Payday loan) with GCFS, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Company GCFS recently contacted my HR department at my office disclosed they have a judgment against me due to debt owed and they want to start garnishing my wages which i was not aware of I was never sent a letter to dispute the matter or even given a chance to take care of it. HR department never received a judgement letter or form stating the facts of which they made a call for. a similar situation happened about XX/XX/2015 with my previous employer they called the office same company GCFS this time a name was given to call XXXX XXXX called XXXX disclosed that I owe debt and they want to add the the wage garnishment over the phone also gave a file # to call the court office with a file # stating that his call is true and debt is owed but file was never discovered and by that time I called GCFS and stated that they stop calling me and stop calling any and all employment past or future and it seems they did not get the message as this year they called my new employer with the same spiel that I owe debt and they want to add the wage over the phone and they refused do take any action unless a certified judgement was in place. A letter was sent with package open mail was not protected and mail sent to place of employment was breached before it reached the office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I contacted Equifax recently to dispute a trade line entry in the credit report Equifax compiled in my name. In the dispute I indicated that XXXX XXXX billed me a fee ( note : at termination of the service ) and has failed to provide the details of the charges in spite of repeated written and verbal requests for the details. Equifax indicated that the dispute would be investigated and a response provided within 30 days. Equifax closed the investigation without addressing the substance of the dispute ; rather Equifax performed a superficial inquiry of the original report by XXXX and ignored the context. As disturbing as this is, even more problematic is the fact that Equifax allowed XXXX to submit this one-time entry of collection status in spite of a 10+ year solid, on-time payment history ( which XXXX did not report ) ; Equifax facilitating this coercive behavior of XXXX in attempting to collect an unsubstantiated debt. Equifax has also failed to provide the details of its " investigation '' in spite of my request. It seems unfathomable that a company holds so much power to impact a consumer 's financial health and takes such a reckless approach to a request to have the party that is filing the negative report prove the substance of its report. Equifax 's recommendation to solve the issue - contact XXXX. If they had responded to my original request for the details of the charge, I would n't be here.. .Reckless!

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: In XX/XX/XXXX, I requested a " free '' credit report from Experian online and was asked to enter my credit card for a {$1.00} charge to have the report sent to me. In XXXX, I noticed that Experian had been charging my XXXX Visa since XX/XX/XXXX for some kind of membership that I did not request nor agree to. It costs {$21.00} per month and the total charges I have paid are {$130.00}. I have repeatedly attempted to cancel the membership and reverse the charges without success. I have requested that Experian refund all charges from XX/XX/XXXX to XX/XX/XXXX, but they have refused. It is still unclear to me whether this membership ( and associated charges ) is now cancelled. There are numerous other complaints similar to mine posted on-line and they number in the XXXX. The people affected by Experian 's practices probably number in the XXXX because of the likelihood that not everyone will post this problem on line. Experian 's customer service representative admitted he received numerous complaints just like mine, but does not make and can not change " policy '' for Experian. Please put a stop to this practice. It is rampant and a simple XXXX search for " Experian unauthorized charges '' will reveal how extensive this fraud is. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/14/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: Dear Sir, I XXXX based on my exceptional services to XXXX Government rendered through my job in XXXX XXXX XXXX XXXX XXXX. I XXXX on XXXX XXXX, XXXX. 
I received terminal benefits after working for more than 22 years in XXXX XXXX. I used the terminal benefits cheques to open a checking account in Sun Trust 's XXXX XXXX branch in XXXX XXXX. I started working with XXXX based XXXX XXXX XXXX in XXXX and deposited my monthly compensation cheques in the same account. 

I rendered contractual services to XXXX-based XXXX XXXX XXXX in XXXX XXXX, XXXX. I obtained re-entry permit from XXXX to stay XXXX to perform my services in XXXX. 

The account was a joint account in my name and in the names of my wife - - XXXX XXXX XXXX and my son - - XXXX XXXX. My son is XXXX XXXX XXXX. We maintain sufficient balance in our account. 
Our Joint checking account ( Signature Advantage ) number is XXXX. 
Both I and my wife jointly hold a money market account in the same branch of Sun Trust Bank. The number of our SunTrust XXXX XXXX is XXXX. 

On XXXX XXXX, Sun Trust Bank decided arbitrary and without citing explicit and sufficient reasons to close all Bank accounts. You are requested to investigate the matter and ask Sun Trust Bank to cease from causing irreparable damage to all the joint account holders. 
As a regulator, I repose my faith in your intervention in the interest of customer who is powerless in front of a big Bank. Your assistance in this regard will help to protect customers from exercise of such powers by Banks like Sun Trust. In my case, I will suffer irreparable damage as I do not have any other Bank account in 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 05-08-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX   XXXX   XXXX , willfully violated Chapter (  XXXX  ) The failure to disclose in the initial written communication with the consumer  XXXX   XXXX   XXXX , violated chapter (  XXXX  ) of the Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT, as amended by Public Law  111-203, title X, 124 Stat. 2092 (   XXXX  ).  XXXX   XXXX   XXXX , willfully violated  Chapter (   XXXX   ) T he failure to disclose in the initial written communication with the consumer.      XXXX   XXXX   XXXX , willfully violat ed Chapter (  XXXX  ) The fa ilure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector.     I sen t Capital One  a dispute letter dated  XXXX   XXXX ,  XXXX  attached an d Capital One  failed to respond. But   XXXX   XXXX   XXXX   sent me a letter dated  XXXX   XXXX ,  XXXX  where they stated that I disputed the debt from them, which was false and I consider their response a letter of harassment as I did not write them as I never received the initial written communication to me.     They are civil for damages for their viola tion 813. Civil  liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- (  1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I expect them to comply with the federal a ct and they willfully violated the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Accessed XXXX & filled out form. Selected Equifax for my credit report ( last requested an Equifax report in XXXX of 2014 ). Equifax site stated I had to request by credit report by mail. I did a bit of research and it appears this is because I placed a freeze on my credit reports after the Target & XXXX card number thefts. Can Equifax limit access to by credit report to a mail request vs on-line?

Company response to consumer: Closed with explanation