milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
Issue: Problems when you are unable to pay

Complaint: GM Financial XXXX XXXX XXXX XXXX Arizona XXXX office is XXXX XXXX and XXXX XXXX their customer service XXXX in XXXX XXXX to the present account # XXXX they continues to call my home and my cell phones XXXX and five times day and night we only have XXXX more payments remaining of {$2000.00} to make on our vehicle and we have spoke to several representatives over the phone numerous of times letting them know about our financial hardship and my wife is very sick and she is fighting with XXXX and she has been out of work from XXXX XXXX to the present it appears they do n't care, when we make our payments we also include the late fees to but that 's not good enough for them. I would like for them to stop calling and harassing us everyday and nagging us we will continuing to make our monthly payment until the loan has been satisfied we never once said to them we are not paying our loan It appears to be that they do not know what they are doing from the representatives to management all they care about is harassing their customers for every nickel and dime they can get. Thank you very much for looking into this matter and I can be reached XXXX - XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: Capital One was repeatedly sending me credit card applications by mail. I finally called them about what they had to offer. After calling for information, I notice that they have hit my credit report with a hard inquiry!! I NEVER AUTHORIZED THEM TO RUN A HARD INQUIRY ON MY CREDIT REPORT. I have called them several times to no avail. They just keep stonewalling me with the " too bad, so sad '' routine. 
I have read reports online of them doing that to many, many other people. Why does n't some government agency put them on the red carpet and make them stop? 

Thanks so much for your help in getting this hard inquiry removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XX/XX/XXXX I pulled up my credit report XXXX TransUnion, I pay XXXX a month so I can do this. My credit score was XXXX then. On XX/XX/XXXX I pull it up again and my credit score is XXXX. 
At XXXX I called Transunion to find out why my score was down XXXX points. I was asked '' which apatment number is yours? '' I OWN my house, since XX/XX/XXXX, I do not live in apartment. XXXX said I did and I would have to prove I own my house. I told them to look on report and it says my mortgage company. They said I had to get letter from mortgage company saying it is a house. Then they said I had a delenquent account from over four years ago and that would bring my score down. I told them it was from four and half years ago that should not have brought it down in the past few days. They refused to check on this. They also said I need to prove I own a home, with XXXX different mortgage companies because I refinaced it over a year ago. They also refuse to add a credit card that I have had for over 22 years now- -saying, after the bank even sent XXXX letters verifying this, that I do not have this account. I have wrtten about this charge card XXXX times, called XXXX times, bank has sent XXXX letters. 
I can not get them to understand a single thing. I still do not know why I lost XXXX points in just a few days. Nothing is past due except the account that is over XXXX years old. XXXX guy flat refuse to do anything ( talked to XXXX people including supervisor ) because it went back to " you live in apartment ''. Please help me here, please. TransUnion is the ONLY agency that has my credit all messed up. I finally ended the phone call at XXXX AM- -the whole time they would nto do XXXX thing except refuse to add credit card I have had 22 years and refused to know I own a home, that I do XXXX live in apartment- -which is stupid, it shows on my credit report of home mortgage. I need HELP, please. I have worked hard to get my credfit pass XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit card () with CITIBANK, N.A. ().
Issue: Billing statement

Complaint: I have a pending 1 month credit bills on citibank. It became double the next month.I understand because I did not pay the previous bills.And they block my salary account which is also in citibank.I cant withdraw any single amount.My question is.Is it proper that citibank block my salary account.And take all my money which is my salary? I 'm a family man I have XXXX kids.Now because of that 1 month my family will starve.Please advice me if I have the right to complain. 

Best Regards

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 10-12-2015 about Credit card () with Synovus Bank (FL).
Issue: Delinquent account

Complaint: I applied for a fully secured credit card through First Progress on the month of XXXX of 2015 to improve my credit scores. I 'm trying to apply for a mortgage loan in the year to come so having new credit is important to me. My boyfriend completed the credit card application for me because he has had a credit card with them for the past year and it helped his credit improve. Unfortunately I was un-aware that there was an annual fee that was due the first month of being approved for this type of credit card, besides the fact I never received any notification ( written or verbal ) indicating the annual fee was due. After a month or so of not receiving any correspondence I called First Progress and became aware of the late charge and the delinquent annual fee. At that moment I took care of the charges and paid the account completely, I asked the representative if I was going to receive a 30 day late on my credit report and the rep said no. I asked for a confirmation number and a full name, but she said that they do n't offer that. After a month or so from this conversation I pulled a copy of my credit report and I saw that First Progress had reported a 60 day late on my credit report, I called them right away and tried to resolve this issue and all they said was to send them a written dispute and they would look into this. Since that time I have spoken to several representatives and I have not been able to get this 60 day late on my report corrected or removed. I personally feel that this was not my fault and if I had known of these charges I would have taken care of them right away, like I did when I first became aware. I need your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (GA).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX - XX/XX/XXXX - BSI tried to foreclose on my loan after they refused to give me a loan modification. After the foreclosure failed, they attempted to force me into a Short Sale. I refused the Short Sale and asked for a reinstatement of the loan. I had all of the back payments because BSI refused to accept my payments from  XX/XX/XXXX -  XX/XX/XXXX .
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 XX/XX/XXXX - I was sent a re-reinstatement letter and breakdown of the fees associated with the full reinstatement of the loan. I was sent a confirmation that all fees have been identified and listed.
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 XX/XX/XXXX - Paid the reinstatement amount {$13000.00}.
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 XX/XX/XXXX - Paid first payment after reinstatement. Noticed late fees in the amount of {$680.00}. Asked for an explanation of the late fees since I had just paid all fees up to date in the reinstatement agreement. Have yet to get a reply of why there are fees.
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I have continued to make the payments without the late fees to keep my loan paid on time. I 'm looking for a resolve to this matter to explain why the charges exist? That they be removed? That the negative reporting to the credit bureau be removed because my loan was late due to the process of the loan modification, short sale and subsequent reinstatement of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Non-federal student loan) with Turning Point Solutions LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I attended a college in XXXX, XXXX in XXXX, Florida where I attempted a certificate in XXXX. The school was closed by either the Feds or Florida because of its unscrupulousness with students. As a result i am currently paying back my federal student loans, but i have been recently hounded by a private company requesting to pay XXXX dollar private loan that was taken out by XXXX enterprise in my name. I did not sign a promissory note about the private loan. and it was be foolish to take out a private loan when I am afforded opportunities to pay for my education with subsidize and unsubsidized student loans. I would like the harassment to stop. Additionally, the company can not provide me with any information regarding the loan and neither can they tell what my rights and responsibilities as laid by the law with loan collection. Please address immediately. Thank you

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 02/17/2018 about Debt collection (Medical debt) with Credit Service Company, INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent certified letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX disputing the collection account ( which is reporting as a medical account ) from Credit Service Company in the amount of { XX/XX/XXXX in the amount of {$430.00}, XX/XX/XXXX in the amount of {$440.00}, XX/XX/XXXX in the amount of {$440.00}, and XX/XX/XXXX in the amount of {$440.00} } as you notice the balance increase monthly. XXXX and XXXX   deleted the collection account from my credit report ; however, on all occasions, XXXX stated the information was verified and accurate ; however, XXXX  nor Credit Service Company Inc. has never sent any documentation to support their response as I requested, only that the debt was verified ; however, I requested the debt to be validated. Under the Fair Debt Collections Practices Act ( FDCPA ), proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 )  BREACH OF SECURITY. Penalties against Credit Service Company Inc. is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Credit Service Company Inc. has never provided supporting copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. The creditor ( Credit Service Company Inc. ) refuses to provide all documentation requested. In addition the validity and the validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt and Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State, in which Credit Service Company Inc. clearly has not. Please have account deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (CT).
Issue: Trouble during payment process

Complaint: In  XXXX  of  XXXX  our garage was destroyed in a windstorm. The insurance company sent out an adjuster and we began the process of rebuilding our garage. In  XXXX   XXXX  we were notified by  Dovenmuehle Mortgage Inc. th at they would be our new mortgage servicer. The next time we received a che ck (   XXXX   XXXX   ) fro m our insurance company we conta cted DMI and  were told that they needed to approve the proposal from our contractor. We explained that this part had already been done by our previous mortgage servicer and that the building was almost complete at this point. We were asked to provide the adjuster 's report, the estimate from the contractor and to send them the check for endorsement, which we did. Shortly after this we received the check back in the mail unsigned with a letter stating that we needed to endorse the check to them so that they could hold the money and dole it out in thirds as the work proceeds. We called to speak with our designated customer service representative, but she did not answer. We left several messages with no return call. Finally we spoke with someone else who said she was a supervisor, but indicated she had no authority to help us. Everyone else we spoke to would only read us something from their policies. They refused to give us the name or extension number of anyone of authority. We filed a complaint with our state banking department, the better business bureau and   XXXX   XXXX  . We just  received a letter that after four months of " reviewing our account, '' DMI has " located '' the insurance adjuster 's report and ordered an inspection. They are deliberately obstructing the completion of our garage and are not following the   XXXX   XXXX   guidelines as required. Our state banking department indicated to us that CFPB is the regulator for Dovenmuehle. We hope that you   will be able to require them to release the insurance proceeds to us.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Debt collection (I do not know) with Monterey Financial Services LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On multiple attempts dating back to XX/XX/XXXX I have disputed multiple unverified accounts with Monterey Collections with account number : XXXX XXXX and XXXX. Each time this item was disputed with XXXX the collection agency responded with account verified. On or around XX/XX/XXXX/XX/XX/XXXX I called Monterey Collections and spoke with a rep that was unable to locate an account with my social but a similar account with the same or similar name/DOB. The representative would not provide me with any additional information although she mentioned an address ( apartment ) in XXXX or XXXX, GA that I have never lived or been associated with. At that time the rep advised I should dispute again with the credit bureau and stated that the account should not be reported if the information did not match with what the credit bureau report. Well, just the other day I received a debt letter from Monterey Collections which states it was a response to the dispute received and pursuant to the debt validation requirements set forth in the Fair Debt Collection Practices Act. Also, in the letter it states that I had 30 days from the date I was notified by Monterey that an account had been placed with Monterey Collections, to request to dispute the debt. They also state that they notified me of the accounts XX/XX/XXXX which could n't be further from the truth. I have used my current address over 10 years and have never received any communication from Monterey until it was reported on my credit report back in or around XX/XX/XXXX. This practice completely contradicts the standards provided by FTC and creditor should be reprimanded for these practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In its letter dated XXXX/XXXX/XXXX & which I received by mail on XXXX/XXXX/XXXX, & pursuant to CFPB File numbers XXXX & XXXX, Ocwen Loan Servicing , LLC formulated its final determination on some aspects of my complaints. It will not delete a late payment notification to the Credit Bureaus which relates to XXXX XXXX & it also makes the following assertion : " Additionally, as reflected in Ocwen 's XXXX XXXX, XXXX response to you and to the CFPB ( file number XXXX ), Ocwen disbursed a property tax payment of {$2900.00} to XXXX XXXX on XXXX XXXX. XXXX, prior to the loan satisfaction on XXXX XXXX, XXXX. In response to your most recent correspondence, Ocwen contacted XXXX at XXXX XXXX, who advised there was a delay in that office processing duplicate payments. XXXX advised the duplicate payment would be processed within 30 days. As soon as Ocwen receives a refund for this payment, the funds will be forwarded to you ; however, as the funds were not originally disbursed in error, there is no more Ocwen can do to assit in expediting this matter ''. 

This aformentioned statement by Ocwen is misleading. In fact, upon receiving Ocwen 's letter today, I immediately communicated with XXXX XXXX XXXX at XXXX XXXX XXXX ) which informed me that the only executed property tax payment in their books for the property in question is from " XXXX XXXX '' and dated on XXXX/XXXX/XXXX. According to their records, they returned to Ocwen " unprocessed '' duplicate checks on XXXX ; XXXX & XXXX. Presumably, the unprocessed duplicate check returned on XXXX would apply to my former property. In fact, based upon an email communication with XXXX XXXX XXXX on XXXX, Ocwen had made the following statement : " The taxes HAVE NOT been paid, they are scheduled to be paid by end of the month. They are assessing you a {$480.00} fee for the shortage that will be in the account once the taxes are paid ''. 

According XXXX XXXX, they do not process duplicate checks and that they simply return them to those who sent them. 

Why is Ocwen making such misleading statements concerning this property tax issue? Why is Ocwen so resolute in delaying to provide me with the required refund? Why does that Ocwen keep on insisting that I should have also made duplicate payments related to the XXXX mortgage payment when its PayOff quote already included such payment amount? Would it then come up with other made up causes which would obligate it to delay making all required refunds?

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Please refer to these complaints against Bank of america by myself : Complaint #  XXXX  on  XXXX / XXXX / XXXX  Complaint #  XXXX  on  XXXX / XXXX / XXXX  Also during  XXXX  - I reached out to prior organization OCC against Bank of america.     For the most latest complaint - I had opened checking account with Bank of america during   XXXX   XXXX   XXXX . They verified all my background - ask all the security questions-did thorough account verification. I was using a promo code - fund the new accoun t with $ 20K and   keep it at least for 2 months to get {$200.00}.   After successful completion of all credit checks and background process verification - i deposited {$250.00} as the initial deposit into the account.     Then due to login to online banking issues - i opened this complaint : Complaint #  XXXX  on  XXXX / XXXX / XXXX  I keep on following about  it. Two  days back they sent all the information about my account - A/C #, Routing #, deposit slips, initial checks etc ... but my online access was not working. Reached out to their twitter handle ... some back and forth messages - but no help.     Yesterday when i called them - they said they have closed my account due to " risk ''??? what???   I am living i n USA  since  XXXX . Very first time came  to USA  in  XXXX . Nobody has ever rejected a bank account for me till now. Went to their branch in person at  XXXX   XXXX   XXXX  branch ... but i was told the same answer ....   i was asked to call  XXXX . After long wait   of 9 minutes - i was told that they are also not aware why the account is closed?
What the heck it is???
Yesterday only i sent another $ 5K to deposit into my accoun  t.     I strongly believe they are retaliating against me as i reached out to CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Mortgage (Conventional fixed mortgage) with Statebridge Company (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company has shortened our escrow account severely, we have tried contacting them to speak with the manager ; no one has contacted us to workout a solution. They have emailed us back admitting escrow shortage was entirely escrow department 's fault. Instead of coming up with the fair solution they want to make payment arrangements ; this is not fair to us ; we asked them back in XX/XX/XXXX if our mortgage payment will change they said they will do an escrow analysis and let us know ; no one got back to us. 

This year, we received small refund back from our taxes ; we made extra payment of {$2400.00} to cover our two months ( XX/XX/XXXX and XX/XX/XXXX ) mortgage ; servicing department took our monies and applied toward XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$1400.00}. We did not agree to any arrangement with them ; we told them not to use that monies for anything it is to be applied for our XX/XX/XXXX and XX/XX/XXXX payment. they are not calling us to talk to us ; we have requested a manager with proper degree and work experience to call us because we have questions about the escrow shortage and the amount for escrow fulfill are coming from. we need to work numbers with the real person either on the phone, in writing or in-person. Our mortgage company is giving us a heck of a time. 

In attached files, it shows payment history our account was sold to Statebridge company on XX/XX/XXXX ; since then we have been making the payment of {$1200.00} and little bit more towards our principle. In XX/XX/XXXX, Statebridge company decided to lower our mortgage payment by {$100.00} ; when we questioned why they lowered our mortgage payment a mortgage service associate told us they have paid all of our taxes and homeowner 's insurance and turned out that they have collected extra in escrow. They did n't take our PUD taxes in to consideration. Because of their mistake our escrow is shortened. We are requesting CFPB to step in and help us resolve the solution.

Company response to consumer: Closed with explanation