milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My husband & I are seniors with a landline. We have gotten into the habit of NEVER answering a call unless we recognize the number calling. About six months ago, we started receiving calls from about ten different numbers that always said the name of a city near our vicinity -- XXXX, OH ; XXXX, OH ; XXXX XXXX, OH, etc. on the caller I.D . We never answered these, but noticed that they were always " XXXX '' area code & began with the same three digit exchange -- " XXXX. '' There were too many numbers calling for us to block them with our phone provider, so we just suffered through, being interrupted at all times of the day to rush to the phone, only to see it was one of these XXXX. After so many months of this, I finally called one of the numbers back immediately after they had called us. They did the whole, " this is an attempt to collect a debt '' spiel and then informed me that they were looking for our son. They are Diversified Consultants calling for XXXX XXXX. My son has n't used our landline as his phone number for over TEN YEARS! And should n't XXXX XXXX have his cell phone number as they used to provide his service? And yet they are constantly bothering me & my husband every, single day for six months, sometimes calling five or six times a day starting at XXXXXXXX XXXX. They will never reach my son through this number, and I informed them of that ; they still continue to call. They do n't call as often, and they have begun calling us from different locations -- XXXX, IL or XXXX, OH, but they call us still. We are not responsible for our son 's debts. He is over XXXX, and self sufficient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are several accounts that have been re aged on my credit file. My issues were a long time ago and past 7 years and still listed. Is n't this against the law? I have disputed several times and I do not get a response back. Please assist me in this. 
XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. XXXX XXXX # XXXX, XXXX # 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 09/18/2016 about Consumer Loan (Installment loan) with Williams, Rush & Associates, LLC (NJ).
Issue: Problems when you are unable to pay

Complaint: Williams , Rush & Associates LLC are calling me and identifying themselves as the XXXX XXXX division of credit. They are not who they say they are and I have filed a complaint with a lawyer who is seeking damages plus legal fees on my behalf. The company does not identify themselves as a debt collector until they intimidate me by saying I will be arrested or other infractions will happen to me if i dont pay this outstanding debt. The debt is a result of disenrolling from a school too late leavin me with a balance at the school level. They were served in XXXX with Federal Case # XXXX. They were told to cease calling and idenifying themselves falsely. They apparently have ignored the document because they are calling me more and more. I have all the messages recored on my voice mail server. They are an intimidating firm. My lawyer thinks they have no regard for the law because they are ignoring what they were served with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (TN).
Issue: Problems when you are unable to pay

Complaint: I had a loan with care credit and we had a payment plan of {$11.00} a month I borrowed {$250.00} made XXXX perfect on time payments through money orders every month I had to call and make them send me a bill I got the bill down to {$130.00} and then I get a call stating I 'm not paying my bill and it 's {$280.00} due to late fees they quit send ing me a bill and would not send one wanted my bank account. I refused said I would send them a money order I called often to get them to fix my bill due to it always being XXXX or more a month it 's been turned over to someone else for {$500.00} and they said it 's been in default since the month it openedand told me to contact you. I had proof they were putting false information on the credit report on XXXX pix it would say good payments till this day and in the info it would say no payment since a date on bottom it said good and the close date was different every statement and as we 'll as the payment not being what we agreed upon it has dropped my credit a XXXX points I want this fixed I only owe {$130.00} not {$500.00} they claim and woman said this happens all the time with this company please fix this so my credit goes back to normal my mom has called on this many times and I 'm getting no where with this company

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NV).
Issue: Taking out the loan or lease

Complaint: XXXX assured me that I have 10 days grace period from the XXXX to provide a payment or Honda Finance will have to start paperwork to remove vehicle. XXXX then informed me that he will be sending out paperwork to this agreement. XXXX also explained the payoff for the vehicle is {$9300.00} and at the {$200.00} dollars a month for 3 in years. I received the agreement in the mail approximately 5 days later. 
On XXXX XXXX, XXXX around XXXX I received a knock at the door stating that they were at my home to repossess my XXXX Honda XXXX. I told the male that they have picked up the wrong car because I have an agreement that states my payment is not due until XXXX XXXX, XXXX. The man looked over the agreement and said something is not right. He also had a lady with him that was very rude and nasty saying just get what you can out the car we are taking it now. My daughter items were in the car for her work as a cosmetologist and " personal paperwork '' for individuals I needed for employment while being rushed. The XXXX XXXX asked my neighbors to remove their car in order to retrieve the Honda XXXX this is embarrassing when I have paperwork that the car should have never been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: XXXX Inquiry from XX/XX/XXXX I spoke to XXXX They told me that the account CLOSED and they contacted all credit agencies. They told me that they had to " Re-Open '' the case and find out why it was not removed they pulled my credit on XX/XX/XXXX without consent nor permission. XXXX XXXX never responded and failed to provide " Factual Records ''. They also pulled my credit on XX/XX/XXXX and again on XX/XX/XXXX. A Total of 15 points got pulled from my credit and this issue was NEVER Fixed. I am demanding in 30 days that " XXXX '' " TRANSUNION '' AND " XXXX '' Delete this from my records. Please see the attached Information from XXXX and you can CONTACT Them directly to verify this was " removed '' yet you guys failed to remove it from my credit file I want " all three removed '' from my credit report in 30 days or Ill seek damages caused. They have submitted this request in XX/XX/XXXX and should of been removed then, XXXX Claims they sent out all documents and request for removal. I checked my credit report and its still on my account. You have 30 days before I seek damages as this is stopping me from getting a loan to my property as this was " 15 '' points taken from my account without consent. 


XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX " XXXX you stated via telephone that all three bureaus were contacted for removal. The company XXXX XXXX Did not have consent nor permission to pull my credit - You Investigated this and found out I was correct and this was not " factual '' records. XXXX Told me that they contacted Transunion, XXXX   AND XXXX for removal back in XX/XX/XXXX - They never removed this from my credit nor has XXXX Calld me back to fix this issue. ( XXXX ) XXXX I gave them to many chances they pulled my credit in total of three times I want all three removed not just " One ''. I will cc my Attornery as I plan to sue you in a court of law. 

You failed to remove all three from my credit filed. 
You failed to contact me You failed to keep me updated You failed to send a letter of deletion for proof as your Representative stated he would have them contact me, He also Indicated that they have contacted all the agencies for removal and I had to re-call back in over 5 times requesting removal. 

XXXX / Does not have permission to pull my credit nor did they have consent they contacted XXXX XXXX and failed to remove this. I will not wait more then 30 days and I did seek an attorney for damages as XXXX Pulled my credit removing " 15 points from my credit and refusing to remove this and or send me a deletion record ... ...

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 06/22/2015 about Mortgage (Conventional fixed mortgage) with ARVEST BANK GROUP, INC. (ME).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Central Mortgage Company. I was a few days late in 2013 and they waived the late fee. Over 2 years later I was late by 2 days and they assessed a {$69.00} late fee which they would not consider waiving. The following month my payment was timely but they rejected the payment after the time period for when payment was due making the payment late. They assessed another {$69.00} fee to spite their agreement that there was no way for me to make this payment on time. 
They are abusive and their actions should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX I submitted a complaint to CFPB in reference to a loan with Bank of America N.A . ( BANA ) case # XXXX. In their final response to me they referred me to the XXXX case no. XXXX XXXX and told me to contact the class administrator or their web site. I tried the web site and it was closed. I contacted the class administrator and they told me the case was closed and I would have to contact the bank for everything. I did learn that BANA had told the court in this case that BANA had deliberately quit sending Form XXXX from XXXX on, but that they would hence forth provide the Form XXXX when legally required to do so. Their was also a CFPB Bulletin issued in XXXX that restates the mortgagor 's responsiblities. I am asking BANA for the corrected copies of the XXXX Form XXXX that is owed to me. I was never provided with either a copy of the Notice or Claim Form that was supposed to be provided for me in the above mentioned case. Becasue I need the form to do an amended return of my taxes it is essential that the bank provide me with this form. Also BANA provided me with a Form XXXX that was incorrect in XXXX. BANA included deferred interest, that had never been reported to me as interest or to the IRS as income, in the princiapl amount of the loan in box XXXX of the form XXXX. Virginia foreclosure law requires the mortgagor to return any money over the principal amount if the value of the property is more than the foreclosed principal amount. BANA did not do this in adddition to adding the interest to the principal illegally. During XXXX I received three letters from the CEO 's office of BANA stating in violation of their agreement with the court and violating the CFPB Bulletin rules, that deferred interest is principal and does not have to be reported as interest. BANA provided corrected Form XXXX for mortgagees that were still being serviced be BANA but not for mortgagees that had been foreclosed on or the loans that had been sold or transferred to other banks or XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Consumer Loan (Installment loan) with Choice Mtg INC. (OK).
Issue: Managing the loan or lease

Complaint: I have an installment loan out with Oklahoma Credit in XXXX, OK They have called my cell phone numerous times from unknown/blocked numbers. I have asked them to stop doing so for the simple fact that I do not answer calls from such calls, which results me in not knowing they are trying to get in reach with me regards to my loan. I know it is against CFPB regulations for the company to hide their identity, which is what they are doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: XXXX  has been reporting the wrong  XXXX  date of delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to all three credit bureaus with no change in it being fixed over the last year. Only  XXXX  credit bureau removed  XXXX  of the  XXXX  accounts as it should have been but failed to remove the other. I have sent bills from  XXXX  to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from  XXXX  should not even be on my credit reports.  XXXX  has also been past the statute of limitations for NY  ( 6 years ). For a long time  XXXX  was reporting the wrong history and balances of th e accounts since day  one, but  that was updated last year. I never had this issue with   XXXX   XXXX   as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the Navient payment history for both accounts in yellow via attached documents to show the proof.

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 02-09-2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I deposited my paycheck from the state of California at a Bank of America teller on XXXX/XXXX/16 for {$16000.00} at XXXX branch. Bank is saying they have no record of the check. They have refused to credit my account. I have a receipt that they issued when I deposited the cheque. What should I do?

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 08-06-2017 about Debt collection (Other debt) with Ability Recovery Services, LLC (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have looked upon this debt owed and it is aaying with credit report that their is nothing currently owed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (Conventional fixed mortgage) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold to  Regions Mortgage. I received a threatening letter concerning the status on my insurance. The Regions insurance representative informed me that YOU at the CFPB write the letters and that they are the only letters that can be sent out. It is rude, grammatically incorrect and threatening.

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 08-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I opened a 2 Checking a 1 Savings Account with Chase Bank. I managed the accounts properly never having an issue with the bank. I noticed that there was some unauthorized activity on my accounts and I contacted Chase. They opened up a dispute for me and suggested I open a new account and close the existing accounts.I was waiting on my direct deposit to post and then I would close the accounts.I go to login and was restricted only to learn later that Chase closed all of my accounts. I received a letter in the mail stating that I had not returned paper work timely. The thing is, no paperwork was ever requested from me. I feel as if I have been improperly targeted by Chase Bank. I feel embarrassed, discriminated against, and violated by the actions that Chase has taken against me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I wish to file a complaint against a debt collection agency, Midwest Recovery Systems, for multiple reporting of the same collection on my XXXX report.
The collection was reported on my XXXX  report on XX/XX/XXXX. It was also reported on my XXXX report at the same time.
I sent a dispute letter to XXXX on XX/XX/XXXX. Two weeks later I received a letter from XXXX informing me that the collection was deleted from my XXXX report.
I have since been notified that Midwest Recovery Systems reported the same collection on my XXXX report on XX/XX/XXXX, resulting in two identical entries of the same collection on one credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (DE).
Issue: Loan modification,collection,foreclosure

Complaint: I have a several complaints towards this company but this is the newest. I spoke with a " relationship manager '' at Select Portfolio Servicing. As instructed by the correspondence I received almost EVERY day and set up several monthly payments. I just received a check with a letter stating they wo n't accept a partial payment??? I then sent them a message to cancel the XX/XX/XXXX payment since they 're just going to return it. That was yesterday. Today the payment is attempting to come out of my bank account?? I do n't get it. It 's like one hand does n't know what the other is doing. I am also enclosing the fees they 've charged for supposed " home inspections, '' which I 've never witnessed anyone doing, only that a card was left on my door. This company does n't want to help at all! I 'm attaching one of the letters that have the so=called inspection fees. Why is there so many inspections? I 'm told it 's to make sure the house is occupied. The fact that we live here has NEVER been in dispute and has been confirmed many times with Select Portfolio so fees are wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Closing/Cancelling account

Complaint: I cancelled my credit card by phone before the yearly fee was due. Nothing is owed on the card. After several times and many hours on the phone, the bill for the $ XXXX yearly fee keeps coming. On the phone, three times they said it was resolved and the fee cancelled. My credit rating dropped from XXXX to XXXX, with no other change to my finances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/18/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: You closed a complaint without getting MY response! 

The complaint is compounding itself and there is no way any real human can contact you by phone without losing their sanity ( then again, being a government entity, that is not unreasonable as nothing government does is meant to " help '' the common man - sorry for the editorial ). 

The original complaint number is XXXX. Nationstar mortagage of XXXX was insisting I pay an additional $ XXXX to " facilitate the release of funds '' from a " frozen account ''. The frozen account being frozen by them and the funds being held were ones designated originally for my mortgage. Paying additional money to free my payment sounds to me more like " extortion '' ( now we have a term government officials may be more accustomed to ). Furthermore, I made my payment due XXXX XXXX on XXXX XXXX and have been told that they received that payment but applied it for XXXX. I have NEVER missed a payment! I have NEVER been LATE with a payment. So, how could my payment meant for XXXX be missing? Somehow, with all the XXXX of setting my funds in privately held " escrow accounts '' without crediting my original account, a payment has gone missing on the part of Nationstar Mort. I have all the cancelled checks and should be " up to date '' as of the XXXX payment. My next payment is due XXXX XXXX, 2016. 

Please pursue this course, the complaint is NOT CLOSED! 

XXXX XXXX PS I prefer not to use the computer as much as it may be easier than reading my handwriting. I pride myself on not having " physician handwriting '' and would appreciate having a proper phone contact ( as much as you may prefer to not hear from me ) -not a machine bent on improbable circles of input. I will follow up with Senator XXXX office, as they had been the origin of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: On XXXX XXXX 2017 I sent written request to XXXX, Transunion, XXXX  requesting physical verification of the original signed consumer contract accounts posted on my credit report. I requested that validated these for debts that were being reported. I have never received any physical copies.In the results of the first investigation they stated in writing that you verified that these items are being reported correctly with out any proof. I then sent a letter asking who verified these accounts. Which they were not able to provide any proof. On XXXX XXXX 2017 repeated the same process. I still have no physical verification.

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