milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2015 about Credit card () with DISCOVER BANK (NY).
Issue: Delinquent account

Complaint: I 've defaulted on my Discover card payments due to being out of work. I have spoken to the creditor several times and advised them I will call to arrange payment as soon as I am back to work. 

At XXXX they called every XXXX days, which is fine. They began calling me XXXX times back to back, hanging up after XXXX or XXXX rings and then immediately calling back. This has happened XXXX times. This morning I was going to answer and they kept hanging up on me before I could. 

This directly violates FDCPA call frequency regulations, and the hangups are harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I do not believe my monthly payments are applied correctly, it seems very inconsistent. Here 's a snap shot of what I mean : Date Description Principal Interest Fees Total XXXX/XXXX/XXXX Payment - {$4.00} - {$190.00} - {$2.00} - {$200.00} XXXX/XXXX/XXXX Payment {$0.00} - {$200.00} {$0.00} - {$200.00} XXXX/XXXX/XXXX Payment - {$36.00} - {$130.00} - {$19.00} - {$190.00} XXXX/XXXX/XXXX Payment {$0.00} - {$200.00} {$0.00} - {$200.00} XXXX/XXXX/XXXX Payment - {$1.00} - {$200.00} - {$3.00} - {$210.00} XXXX/XXXX/XXXX Payment - {$6.00} - {$190.00} - {$23.00} - {$220.00} Very little or none of my monthly payment is being applied to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MI).
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: I tried to get a XXXX XXXX removed as well as 2 charged off credit cards which I had never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I own a business that sells a product online. I use PNC Bank Merchant services.  They charge me a lot of fees to process my transactions. I found a different company that offers lower fees. Turns out I ca n't switch without paying an early termination fee. I did not know there was a fee for early termination when I signed up. Second, online transactions require what is called a " gateway ''. PNC forces me to use a gateway called Payeasy. If I do n't use Payeasy. I have to pay an exorbitant fee for every transaction that is processed. Turns out Payeasy is owned by PNC. I should be able to shop for a gateway without being penalized by PNC. They would be charging me a fee and I would be receiving nothing in return. They want to penalize me for not using their gateway company. that is not right. If this were a real estate transaction, it would be a clear violation of RESPA. I do n't think it is fair that I have to pay an early termination fee and I definetly don think it is right to charge me for using a gateway other that Payeasy. I should be able to choose who I want without penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Private student loan debt) with Student Loan Care, LLC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XX/XX/XXXX. email to company XXXX XXXX XXXX XXXX XXXX Hi , I called to get my account canceled in XX/XX/XXXX. I was under the impression your company was working for the government helping me pay off my student loans. I was scammed. Now I'm upset because it hit my credit score. However, I had no idea I was taking a loan out from your company. I need this off my credit and I need to speak to someone in higher management to reconcile this out. 
Please let me know what actions needs to be done to get this cleared up. 

Thanks. 

XXXX Texted me XX/XX/XXXX Telling me I have 72 hours to respond or they are going to a third party for collections. 

Emailed me yesterday XX/XX/XXXX You have Defaulted on your Student Loan Care/XXXX XXXX payment agreement. You have 72 hours to respond to this correspondence. We have attempted to reach you and receive approval for the XXXX XXXX loan forgiveness program offered in XX/XX/XXXX for past due XXXX clients that have a hardship, but since no response or attempt to postpone your payment has been given, your original contractual agreement will become effective immediately, and all past due, fees, payments, and interest will be solely your responsibility. XXXX XXXX and Student Loan Care reserve the right per agreement to utilize 3rd party collections which are included but not limited to legal, credit, and stage 4 collections. 

XXXX XXXX XXXX Student Loan Care LLC. 
Consumer Services Advocate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX P XXXX F XXXX E XXXX XXXX

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 EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information in a grossly negligent way which has led to a breach that puts myself and hundreds of millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media on XXXX XXXX. What Equifax has done so far is NOT ENOUGH and leaves myself and hundreds of millions of others at risk of severe financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Medical debt) with Meade & Associates, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This debt occurred while having a XXXX XXXX XXXX at age XXXX. My previous XXXX had XXXX and as a result my XXXX XXXX XXXX at XXXX year XXXX XXXX. 

The staff of XXXX XXXX XXXX 's office - XXXX XXXX 's XXXX, were very insensitive to my XXXX and XXXX. They treated me like I was XXXX, XXXX  me and ignored my concerns, instead of treating me with the human dignity I deserved. My concerns were valid. I even wondered if because I was of a different culture than this entire staff if that is what presented such a barrier with how wrong this went. 

As a result, I ended the relationship as a very dissatisfied XXXX and moved on to an XXXX who could provide the necessary care to me and XXXX XXXX XXXX. 

XXXX XXXX 's XXXX received payment from my insurance company for goods and services they did not fully render. The balance here is what was remaining unresolved, as all of my past attempts at resolution failed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This dispute has been faxed twice already and I have had no response from the CFPB or Equifax. The information required has not been supplied as asked for. A generic answer was supplied but, it does not answer the disputes question. until I get a satisfactory and accurate answer, this question/dispute will be repeated until it is answered. 
The CFPB has ignored my dispute in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I am in the process of a dead in lieu for a property with XXXX mortgage lenders listed on it. I was told by the XXXX Lender XXXX XXXX XXXX they will take care of notifying the XXXX mortgage ( Suntrust ) on the dead in lieu. 
XXXX sent me a letter requesting for authorization from Suntrust. 
I called Suntrust and was told they have never heard of this arrangement and was put on hold many times because they did not exactly what a dead in lieu is and the procedure for it. I kept being asked to make a payment, which I can not do since I do n't have the funds to do so. Suntrust is very uneducated in their products and procedures when a customer calls them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Struggling to pay mortgage

Complaint: I HAVE MADE SEVERAL ATTEMPTS TO SE ND OCWEN FINANCIAL CORPORATION  A LOAN MODIFICATION PACKET. EACH METHOD OF DELIVERY THEY CLAIM TO NOT RECIEVE THE DOCUMENTS TO COMPLETE THE LOAN MODIFICATION. AND WHEN THEY ASKED FOR ADDITIONAL INFORMATION IT IS ALMOST IMPOSSIBLE TO GET THEM ANY DOCUMENTS. IT ALMOST SEEMS AS THEY ARE TRYING TO FORCE ME INTO FORECLOSURE. I AM SENDING THEM A COMPLETED LOAN MODIFICATION PACKET TODAY AND ATTACHING THIS COMPLAINT TO THE PACKET. I WILL SEND IT CERTIFIED MAIL ON  X/XX/2017    BY WAY OF US POSTAL SERVICE AND WILL SECURE A COMFIRMATION OF DELIVERY. I HAVE FAXED DOCUMENT TO THEM, MAILED THEM CERTIFIED, AND EMAILED THEM TO THE COMPANY. THEY HAVE SUPPLIED ME WITH A LOAN CONSELOR BUT HE IS NEVER AVAILABLE FOR 2 MONTHS I HAVE NEVER SPOKEN WITH HIM AND HE NEVER RETURNS ANY OF MY CALLS ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Auto debt) with 3rd Generation, Inc. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Company repeatedly calls about 4 times a day and then from blocked numbers. Company left a message with  private information on the voicemail. ASked the comopany to only contact me through mail. The company would call my employer and repeatedly call my phone. The company was notified of the loss of my daughter and was told to give the family time before contacting them and they still continued to call making comments like " OK and she still owes this debt '' Very insensitive about the passing away of the primary driver of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 10-05-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: Bank of America chose to open a dispute XXXX XXXX, XXXX for only {$75.00} for an XXXX XXXX XXXX order that totaled {$250.00}. While the {$75.00} was returned evidently BOA never undertook the promised investigation or followed up as the dispute should of been filed for the full amount and I have discovered that despite assurances to the contrary BOA did not bother to either research the claim as presented nor resolve the dispute leaving me exposed to additional unwarranted charges by the vendor in question. 

The dispute was never actually fully considered let alone settled as BOA alleged yet they without any notice to me withdrew XXXX from my checking account under guise of having completed a non existent investigatation and affording me no notice - written or otherwise of my rights to appeal their decision nor warning of their taking of my XXXX XXXX funds as it was implied that they had waited until my XXXX XXXX transfer has occurred to make the unauthorized withdrawal. 

I an attempt to determine what had occurred I encountered BOA customer service representative XXXX around midday on the XXXX of XXXX who in two separate phone calls became enraged and disregulated to an extent I have not witnessed in my nearly XXXX years attacking me in what can only be described as an abusive manner for merely contesting her assertion BOA had the right to take my money given they had provided me no notice or opportunity to respond to their done decision decision. When I cited FDIC regulation E she grew even more angry and combative and after denying my many desperate pleas to speak with a supervisor for what seemed like at least 30 minutes of abusive behavior towards me she in two seperate occasions placed me on interminable holds that ultimately prevented me from speaking to anyone in authority. Following XXXX attack I suffered a XXXX XXXX XXXX which rendered me unable to continue be an effective advocate. 

Furthermore, the money BOA was took was my grocery money for the month and now I basically have nothing to eat, am XXXX by the XXXX, and have a total of XXXX dollars to my name all because BOA did not follow the proper procedures. 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 monetary relief
Consumer complaint received 06-01-2017 about Debt collection (I do not know) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX 2016 I saw a company calling themselves Enhanced Recovery Company come up on my credit report. They say I owe them {$420.00}. I received a phone call from them asking me if I wanted to pay to delete this off of my report. I told them this was not my debt. It 's been a year and it is still on my report messing up my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: It was reported today ( XX/XX/XXXX ) that Equifax was hacked in XX/XX/XXXX and many, many consumers personal identifying information was compromised. According to their website equifaxsecurity2017.com, my data were among those stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (FL).
Issue: Loan servicing, payments, escrow account

Complaint: RoundPoint Mortgage is my servicer. As with most homeowners, I pay escrow every month as part of my mortgage payment. However, RoundPoint paid one of my insurance premiums a week and a half late ( due XXXX/XXXX/2016 ) causing the insurance provider to cancel my policy. Four months later my account gets assessed with a forced-place insurance policy that is conveniently offered by an affiliate of RoundPoint. This made me angry for multiple reasons. One, I was unknowingly without insurance for several months due to an error which RoundPoint has admitted to, but still not corrected. Had something tragic happened to my property, I have no idea how RoundPoint would have addressed. Thankfully nothing happened to my home, but the concern is still valid. Additionally, my total annual premium is {$770.00}. The policy RoundPoint offered was approximately 6 times the cost of that. RoundPoint also forced a retroactive placement of the policy, so by the time I realized anything was wrong, I already had 4 months of charges against an absurdly overpriced policy. Additionally, one of their customer service reps notified me that the insurance vendor is an affiliate of RoundPoint. They profited from their own mistake! Despite 5-10 phone calls, and 20+ emails over the past 6 months, I am always left waiting for one of their " managers '' to return my messages after they promise to do so. I consistently get a few responses and then the trail goes dry. It 's like they 're purposefully waiting for me to give up.

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 02-09-2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: To : CFPB XXXX XXXX XXXX, OH XXXX ( XXXX RE : Equifax 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 Equifax credit report, which is inaccurate. 

Specifically, the item is for a medical bill ( allegedly ) without any other information including the servicing/collecting party. I have no knowledge of this medical bill. I have no knowledge of this alleged bill. I believe this is a mistake in reporting. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a complaint filed with you for this company ; here is the reference number:XXXX XXXX The company response was that it would be removed from my credit report ; however, it 's still showing on all 3 bureaus. I asked them to send me a letter stating this was an error and being removed but they never sent me the letter. 

Please have this removed its been 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Payday loan, title loan, or personal loan (Payday loan) with LDF Holdings, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I wasnt aware that for the {$800.00} loan I was going to be charged 752.99 % APR. The company was not clear about it and I was not made aware that I would have to pay {$2000.00} in finance charges. So my total amount due is {$2800.00}. I believe I already paid 5 payments of {$230.00} Which totals {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 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: Information belongs to someone else

Complaint: Despite my repeated dispute submissions to the credit bureaus, the agencies continue to report damaging fraudulent activity. A police report was filed, and details were forwarded to bureaus and collectors, but I continued to be harassed. XXXX responded to my last consumer finance report by stating that the account was verified with collection agency. The verifying information was that the person who committed the crime used my correct Tax ID #. Well isn't this what we call fraud? This battle has continued for years, and last week, I was able to endure another interrogation from the fraud department from the collector, and they finally agreed that the account was definitely fraudulent. All 3 bureaus have continued to report false information despite a police report, and clearly they did not take the time to investigate with the collectors. Instead, they simply reported that it was my debt. One of the accounts is tied to an address, and person who committed the crime. The agencies refuse to remove me permanently from marketing. I am uploading a copy of the information received from the collector for a specific debt in question. A cellphone bill in the excess of XXXX. 
I am also a victim of the XXXX  BREACH.

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 05-01-2017 about Debt collection (Credit card debt) with GC Services Limited Partnership ().
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've been receiving collection invoices from this company on several occasions. On  XXXX   XXXX ,    2017 I se nt certified mail denying this account belong to me, they fail to respond to this letter. Once they fail to respond I then  sent 3 certified  letters asking them to verify the debt. They refuse the debt with documented proof that the debt indeed belongs to me. They are in clear violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MD).
Issue: Trouble during payment process

Complaint: I had a home disaster and it was settled with XXXX, which tok a year. I had not been home in over a year and it is expensive for that mortgage and two households. I am not behind in any payments. 

I endorsed the check, along with my public adjustor and sent t to Carrington Mortgage Company LLC. I called them, since I need this settlement to pay for repairs, vendors and be reimbursed by the vendors. I sent in every document they request in the initial packet and thought it would be a simple process. 

Every time I call there, I get a different person on the phone. The claim is not handled by one person. When I ask for a supervisor, generally, they are not available. I am told that something will be done and they lie to me, it is not done. I am not called back to explain why. I need an inspection of my home done, first phase, so it can be completed and fixed. when I get off the phone thinking this is corrected, I call a week later and nothing was arranged and they need, yet another document and don`t explain in detail, why. Carrington is sitting on the money to fix my home, so I can go home. They never call me for any further documents and never inform of anything The supervisors say they will call me back and NEVER do it. They have questioned me and my contractor about me, which is unacceptable. It has been two months and the contractor and vendors need the money to fix the home. The inspection has been delayed by this company for over a month. I asked explicity what they need and they never give me a complete answer. According to the packet I sent them, from day one, they have everything they need. My public adjustor called them to offer and documents and they stated to him they have everything they need. My contractor calls for an inspection, and they never get back to him with a time/date as promised. They are sitting on this money and I can not afford to live somewhere else any further. I am lied to and diverted to the next person and next. I need my home fixed, the rest of the money released and to get this done. Carrington is delaying the process, since XXXX XXXX it has been a real challenge.

Company response to consumer: Closed with explanation