milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from Diversified Consultants, Inc. dated   XXXX    XXXX , 2017 stating they represent a   XXXX   XXXX   and that I owe their client {$45.00} on a very old  XXXX  former  XXXX  account. I had phone service through this company years ago by closed the account and switched to another provider. I feel that this debt is not valid and way past any reasonable collections period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Customer service / Customer relations

Complaint: An auto-dialer operated by or on behalf of Capital One Bank calls my home XXXX to XXXX times a day looking to speak to my mother, XXXX XXXX. She no longer is reachable at this number and I called Cap One XXXX to ask that they stop the calls to XXXX. Both times I asked to speak to a member of their Compliance Department and both times the request was denied. All I get is their standard " talk off '' along the lines of " it could take XXXX hours for your number to get removed from our auto dialer ''. The calls keep coming and this bank is stalking and harassing me. For the CFPB 's reference, please note that the callback number that their robocaller " XXXX '' asks for a return call at is XXXX. This is the number I called XXXX to ask that they calls stop.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Debt collection (Medical debt) with Ability Recovery Services, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This was removed from my credit profile because account was paid by XXXX XXXX the proof was sent twice to the supervisor of the collection agency and also to the client for which his collection agency is collecting for. Even though agency when I called they advised me if was removed again from my credit file it has not request this collection agency be fined for improper collections acts. This agency just reported to collection agency without sending a letter or calling prior to placing in my credit profile. Something should be done to prevent from happening

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 05-12-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/XXXX at XXXX, I spoke with XXXX at Ocwen Servicing. We post dated a payment for XXXX/XXXX/XXXX in the amount of {$530.00} plus a {$19.00} fee. The confirmation # is XXXX. When I checked my bank balance this morning, XXXX/XXXX/XXXX ; both items have been subtracted from my checking account. At the cost of {$36.00} per item for overdraft fee, this is going to once again cost me several hundred dollars for the additional items I used my debit card over the weekend. The first time this happened in XXXX, XXXX, I swore I would not do it again. That is the reason my mortgage loan got in the shape it was in ( past due ). We set a repayment plan to help me get current. THIS IS MY HOME!! I want to keep it. Ocwen makes it hard for me to do that. I am going to the XXXX website at XXXX and request they somehow transfer my loan to another Servicing Company. I am tired of being afraid of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: This relates to an ongoing dispute with Sychrony Bank, the previous complaint was CFPB XXXX XXXX. Unfortunately, virtually all of the commitments that XXXX XXXX, XXXX XXXX made were not kept. 

I left her multiple messages at the number provided, she did not return any of my calls. It has been more than 90 days since I opened the dispute and they still have not responded. They promised not to put derogatory info into my credit report while the dispute was open, they in fact illegally put derogatory information in my XXXX report. 

My request is quite simple, I would like them to provide a copy of the receipt that they claim that I signed via an in person purchase. I am certain that I did not signing anything like this. 

I believe that both Synchrony and XXXX XXXX have violated my rights in this matter. I am requesting a full investigation of this matter.

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim. For several months XXXX has been working on the behalf of XXXX XXXX to resolve her identity theft issues. XXXX XXXX was recently advised in a letter from TransUnion they were not able to comply with FCRA because a police report was not provided to them in an order to dispute information related to the identity theft on her TransUnion credit report. While a police report was not provided, a police information sheet along with her notarized FTC affidavit with her police report information and reporting officer was given. TransUnion is currently in violation of the FCRA by failing to remove fraudulent related information from a credit report of a victim of identity theft after that information was disputed. The items are fraudulent inquiries from XXXX XXXX X/XX/2016, X/XX/2016 and XXXX X/XX/2016.

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 09/24/2015 about Debt collection (I do not know) with URS Holding, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX ON MY CREDIT REPORT WITHOUT VALIDATION IN VIOLATION OF FCRA, CALLS IN VIOLATION TCPA also, my mother XXXX XXXX XXXX had the same problem, ss # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am still having issues with Equifax updating my credit report. They are still showing a student loan which is no longer open. I Feel that Equifax is also artificially holding down my credit to force me to pay higher interest rates. Since I have received an updated credit report XX/XX/2017. I am seeking an attorney for a law suite as well as forwarding this and my credit report to both U.S General Attorney and General Attorney of Nevada.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Payday loan () with Big Picture Loans, LLC (OR).
Issue: Can't stop charges to bank account

Complaint: I borrowed {$400.00} in XXXX XXXX, I was told the total I had to pay back would {$620.00} in XXXX payment. It is XXXX XXXX. They will not return my call or email, give me my login information, since they have blocked me. They are still pulling {$220.00} out of my account. I have paid them {$1800.00}. How do I stop them and get my money back. They are complete XXXX. I want to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: I recently filed a complaint against BMO Harris Bank. I requested that they freeze my account and prevent any further activity. I also requested they send me my original signature cards, as in my previous claim, they alleged I was not the owner of the account. 
BMO has charged me over {$3000.00} in fees in the last XXXX months, even though I requested my account be frozen. In spite of this they have let transactions go through my account, which I let them know were unauthorized and no one from the bank has reached out to me in effort to resolve this. Below is my original request. 

I tried to conduct business on my business checking account months ago and was told that I had been removed as a signer by the other signer on the account. When I tried to resolve this matter in the branch, I was given resistance and subsequently told that I had been removed and could not be added back. 
Recently I received a letter from BMO stating that I had not in fact been removed from the account and was a current signer as I had been since the account was first opened. It befuddled me how such an error could occur. 
I would go to the branch trying to transact business and told I was not a signer and were not allowed to speak with me. I was also informed by an inside source at the bank, that negative comments were attached to my the account, in a roundabout way, stating I am a nuisance to the bank! 
After, being granted access again to review my account after several months, I was affronted to find my account negative summing nearly {$1000.00}, after several months of my access being denied, due to unauthorized transactions! 

First, I am requesting any negative comments regarding me be removed from this account, as it creates a poor customer service experience at the teller line as well as when working personal bankers. It 's an impediment on the overall morale of the customer relationship! Additionally, I am requesting that this account be frozen and a new business account be opened until we can resolve and get to the bottom of this negative balance. 

And due to a death in my family and a father with XXXX, I am unable to go into the branch, so your willingly to help me resolve this using technology is greatly appreciated. 

Please be advised that a copy of this will be forwarded to the Office of the Attorney General as well as the Consumer Financial Protection Bureau for closer scrutiny of this matter! 

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 explanation
Consumer complaint received 09/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I keep getting calls from Convergent a debt collector about a past due bill with XXXX. I do have services with XXXX, but my account with them is valid and not late. Now my oldest son opened an account with XXXX in my name without my consent and I 'm assuming this is what the delinquent account is for. The amount is for XXXX. My current account number with XXXX cable is XXXX for XXXX where I have reside for the past 14 years and this account has been opened for the past 4 or five years. The XXXX addresses that my son lived at was XXXX, AL XXXX and XXXX, AL XXXX. Again I 'm urging this company through this site that I never lived there nor did I give my son permission to open these accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Riverwalk Financial Corporation (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: I have been paying XXXX XXXX XXXX for a XXXX account since XX/XX/XXXX & they refused to update my credit report to show that I was making payments. On XX/XX/XXXX I came to an agreement which I got in writing from the before making final payment. They agreed to remove this from my credit report however today XXXX they told XXXX that I still owe them {$3400.00} when they have been paid in full. I called them & they deny confirming this to XXXX. I am caught in the middle & my credit score suffers & I am being denied credit due to this unfair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Debt collection (Auto) with M&T BANK CORPORATION (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have outstanding debt on my car loan with M & T Bank. I have been called XXXX times in the last XXXX days about this. I have explained my situation several times to them and they have even told me they have posted it in my notes. I have told them the earliest I could make a payment was XX/XX/XXXX. They have called me XXXX other times to try to get payments. I told them they could post date a payment for XX/XX/XXXX and they told me they ca n't post date it that far in advance. They can only post date it to the XX/XX/XXXX. This is a form of harassment and I want legal action to be taken against M & T Bank. I am unable to refinance the loan because the bank has told me I would have to be present with my father to do that. I live over a XXXX miles away from my father and am unable to travel back home for that. My credit has taken a severe hit because of this loan. I tried having my personal bank take over the loan and due to my credit it would have been too risky as they say to buy out the loan and refinance it. I am losing sleep over this.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax hack has led to my account details being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Bankruptcy

Complaint: I filed bankruptcy with my husband in 2014 which was charged off on in XX/XX/XXXX of that year. Chase Bank was one of the credit cards included in the bankruptcy and now they are reporting that they charged this off and I have several missing payments which is hurting my credit very badly. I need this removed off my credit report immediately as I am applying for a car loan and will be moving soon. We included ALL credit cards in our bankruptcy so we should not have any on our credit report. I am attaching my bankruptcy discharge paper- work showing Chase Bank listed as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Debt collection (Auto debt) with Adler Wallach & Associates, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: AWA COLLECTIONS KEEPS CONTACTING ME. THIS WAS A REPO DONE BACK IN XX/XX/XXXX/XX/XX/XXXX. CAR WAS SOLD AT AN AUCTION AND SOLD TO ANOTHER DEBT COMPANY. NO LONG AFFILIATED WITH THIS DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I was given a mortgage trail period plan in the amount of {$2200.00} and also told that this amount may not change if a modification is offered and my APR is 7.35 %. I submitted my monthly income which is less than what the mortgage company is asking and I believe they are setting me up for failure with a unobtainable mortgage payment. I will be in the same position after paying the trail payment plan as I am now. I really am trying to keep my home. I have to accept the offer by XXXX XXXX, 2017 or I will be faced with a sheriff sale date of XXXX XXXX, 2017. I believe I am a victim of predatory lending. Attached please find a copy of the trail plan and my pay stub. Thank you in advance for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (I do not know) with Financial Credit Service, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving harassing and repeated telephone calls from an Asset Recovery Associates. However, they are calling using a spoofed name. On caller id it shows as " FCR '' and the telephone number as XXXX XXXX XXXX XXXX. After conducting an internet search I found the number associated with an Asset Recovery Associates an alleged debt collection firm located in XXXX XXXX, IL. Despite repeated and harassing telephone calls and usage of spoofed caller id information I have yet to receive written communication regarding this alleged debt per the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX of 2016 I made 2 payments to my loan and specified that it was for 2 months of payments but they allocated only 1 payment towards my payments and the other one towards the principle of the loan without notifying me. When i found out what had happened then I was showing 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Billing disputes

Complaint: I purchased a car from a private party on XXXX. I paid {$2500.00} ( XXXX/XXXX/2016 ) for the car and {$640.00} to have the car shipped to XXXX, WI. Immediately upon delivery ( XXXX/XXXX/2016 ) receipt the car had numerous issue like non-start, no power, odometer rolled back, leaking fluids. The car was advertised as 'runs and drives great ' with original miles. 
I immediately ( XXXX/XXXX/2016 ) filed a return request through XXXX with the terms that the seller would pick up the car or if he no longer wanted it then it could be scrapped. The seller agreed. 
I notified my credit card company and they removed the XXXX charge. Now, more than 2 months later I receive a letter stating paypal/ebay is refuting the chargeback even though the XXXX seller agreed to the return terms. XXXX has evidence on their system the seller agreed to the terms of the return, yet 'XXXX ' from XXXX ( XXXX ) erroneously completed the chargeback form stating they had no proof the seller agrees to the return! They have all this information in their records including the seller accepting the terms of the return and refund. 
The letter I received requires a 'second opinion on company letterhead from another merchant in the same field ' which is impossible. This was a private party sale, not a purchase made at a business. XXXX knows I can not fulfill this requirement since it was not a merchant sale, it was a private party sale. Therefore the dispute will not go in my favor and my card will be charged for the damaged merchandise even though the seller ( who used paypal for the transaction ) has agreed to the terms of the return/refund. 
I 've contacted my credit card company but they have offered not much more than empathy. I 've done everything I can I my end, I need some assistance to get the refund I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: Hello, I am writing as I deposited a Cashier 's Check, from my XXXX XXXX Bank Account, to Chase on Saturday. I was advised, by a Chase Supervisor XXXX, that the funds would not be available until Tuesday XXXX/XXXX/2016. I am confused as to how this is the case when a Cashier 's Check is easily verifiable by the electronic feed on the bottom aspect of the document. Subsequently, I am finding it a challenge to pay for necessary expenses such as : student loans, kid 's tuition fees, car loans, etc. I have been a Washington Mutual/ Chase bank customer for over 18 years. 
This has been a huge inconvenience for me. As a trauma nurse, who works the night shift, I have little time to tend to obtaining Cashier 's Checks and waiting for deposits to be credited to an account. As I wait for my direct deposit to resume, I am finding this to be a very difficult time for me. I would hate to sever my longtime relationship with your bank, however, this experience leaves me no other choice. It appears to me that Chase is no longer the bank for working professionals. I am sure many of my colleagues would be interested in knowing about how Chase treats their longtime customers. XXXX XXXX had a shorter hold period for a {$3500.00} pay check. In fact, they made {$2500.00} immediately available upon deposit. I refuse to believe that a bank, of which I have just begun a relationship, would be more accommodating. It seems more plausible to me to change my bank to XXXX XXXX, who happens to be my employer 's bank. I would just like to know how long it takes to release the funds on the Cashier 's Check, which has already been deposited? By the end of the month, Chase will no longer have to be bothered with my few dollars. This Morning I submitted an online correspondence to Chase bank, who responded with their deposit policy. Nonetheless, the money still has not been credited to my account from a Cashier 's Check ( which is considered as good as cash ). 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: The company continues to take advantage of me. They know that I can not afford an attorney to fight this issue. I did not have access to my account information online and I was not getting paper statements until XX/XX/XXXX. I requested information to help me understand where things went wrong. After they sued me and I went to court, they have been penalizing me for this. Once I found out that the breakdown was that my payments were not being applied properly, all of a sudden they justify it by saying that it was because they were paying for home insurance on my behalf. I have been carrying my own home insurance because they told me that I did not qualify for them to cover it. I have had my car & home insurance with XXXX XXXX up until XX/XX/XXXX and then I had it with XXXX XXXX to this day. I never consented for them to open an insurance policy for me. Why would I carry XXXX insurances? They never discussed this with me. I never gave them consent to do this. I just learned about this insurance when I received a letter dated XX/XX/XXXX from XXXX saying that insurance is to renew on XX/XX/XXXX. Please help me get this resolved and have my account adjusted appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: No response. This account was never late, and shows charge off. I closed the account

Company response to consumer: Closed with explanation