milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2017 about Debt collection (Medical) with Debt Recovery Solutions, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I checked my credit report and seen Debt Recovery Soultions is reporting  XXXX  accounts stating that I owe them. I sent the agency a  XXXX  validation letter asking to provide proof and my signature stating I gave them permission and access to my personality information. Debt Soultions sent a letter NOT  VALIDATING  my information but verifying information. I see a lot of things on the verification letter that 's incorrect. The phone number that they have on the letter  XXXX  NEVER had that number. The service date that they provide does not match the service date that 's on my credit report. Debt Soultions stay the service date on the account is from  XX/XX/XXXX ,   XXXX  and the  Service date on my   account says  XX/XX/XXXXX    Debt Recovery Soultions will not send me validation of this debt they only sent me verification that 's very incorrect. Debt Soultions failed to verify information. I 'm sending a second letter asking for validation .Debt Soultions also wrote in the letter that " the amount in hbd due from patient column on the enclosed is   XXXX    because the account has been charged off as delinquent ". There is information that 's on their letter that does not match my information

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 05/22/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received this threatening voicemail Saturday XX/XX/2017 at XXXX from XXXX XXXX who did not state his first name, representing Commenity Bank . I did not delete the voicemail and I also went on to save it as a voice memo to have on file that this is definitely a threat. I have consulted my colleagues who are Attorney 's in addition to a representative of the FTC who did state that Yes! That it is a threat and that that is against the law. I would like this matter resolved by Commenity Bank removing whatever information they have in my name, to never contact me again, and for them to provide validation, competent evidence bearing my signature that I have ( or ever had ) some contractual obligation to them. The threatening message went on to state : Good afternoon, This message is for XXXX XXXX XXXX. XXXX my name is XXXX XXXX calling with Commenity Bank and right now I do need you or your representing attorney to return my call immediately. This is regarding your XXXX sir. It is imperative that you or your attorney contact my office today to go over the options and the programs available to help you get this taken care of and to stop further escalation. I can be reached at XXXX ext. XXXX. XXXX XXXX please be advised that I 've documented this call as proof that you 've been notified of this critical matter yet again, so without your prompt response sir I may be forced to make a decision that will impact you directly. Again my name is XXXX XXXX, I could be reached at XXXX ext. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2016 about Debt collection (I do not know) with National Business Factors (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I notice XXXX unknown accounts from this company on my credit. I did contact them first, but its been 3 months and I have not heard back from them and the accounts continue to falsely report on my credit as if they are debts I have incurred. The company never contacted me to verify them. 

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 10/21/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Using a debit or ATM card

Complaint: I opened a Regions Bank " XXXX XXXX '' Checking account in XXXX 2015. Part of the terms of that account was that they would reimburse XXXX out-of-network ( non-Regions ) ATM withdrawal fees per statement cycle. The have failed to reimburse me for XXXX transactions that I know of over the course of the last 6 months, and have tried to say that fees charged by the ATM are not the fees that reimbursement program is intended to refund, but rather, another Regions imposed fee that they reimburse for.

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 07/25/2017 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not mine they will not remove! AWA COLLECTIONS Address : XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX. Address Identification Number : XXXX Status : Collection account. {$500.00} past due as of XX/XX/XXXX. Status Details : This account is scheduled to continue on record until XX/XX/XXXX.
This item was updated from our processing of your dispute in XX/XX/XXXX. I disputed with them they are saying it 's mine but it is not! Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : XX/XX/XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Lost my job on XXXX from a previous injury. I tried to tell collector I would pay XXXX dollars a month but they wanted it all. Capital One has no sympathy for a person that owes.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Revenue Assistance Corporation dba Revenue Group (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: To : Consumer Financial Protection Re : RevenueGroup Dear Sir or Madam, I was not pleased with the service that was rendered by XXXX XXXX XXXX. I have several reasons why I should not pay : 1. The work was not done within the three day nullifying the timeframe to accept orreject the service. The service was rendered almost two weeks after the agreement was signed. 
2. We were not informed we needed to move. 
3. Several attempts were made calling the inspector. When she finally answered, she came out and said this infestation was caused by leaks in the ceiling. Then proceeded to say we can kill the termites with XXXX. 
4. I was told I would receive a payment booklet. None of the papers I kept had what I should pay a month. Therefore, I was waiting for the payment book to send in a payment. I did not receive the payment book. Not long after, I received a threatening letter from XXXX. 
5. The work under the house was incomplete. 
6. I would have never paid anything if I did n't have intentions of following through on my end. However, the company did not follow through on their end. 
7. This account was unjustifiably turned over to your company. 
8. My payment should be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (SC).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle from Kia motors ( XXXX XXXX ) in XXXX, SC. In XXXX XXXX, I totaled the vehicle. I informed my insurance company ( XXXX ) regarding the accident. Together they paid Kia all of the remaining balance of the vehicle with the exception of approximately {$600.00}. After finding out that I had to pay the remaining money, I paid all except {$300.00}. I checked my credit report and was amazed to find that Kia Motors had my balance remaining at over {$21000.00}. They refused to remove it and put the correct balance on my report. I had been turned down for credit and did n't know why until I saw my report. I called Kia Motors and they refused to change my report until all my balance was paid. No one at Kia mentioned anything about deductibles, or that my credit would be impacted until all monies had been collected on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit card () with FIRST NATIONAL BANK OF OMAHA (NY).
Issue: Other fee

Complaint: First National Bank of Omaha has charged my credit card a {$25.00} Fee for a Dishonored check in the amount of {$20.00} payment that I made online using First National Bank online banking now allow me 2 inform you that the payment was not Returned by the Bank the payment could n't be process key word '' PROCESS '' I believe it could n't be " PROCESS '' is because unknown 2 me First Bank was in the process of overhauling their erratic website which I believe had something 2 do with my payment not being process keyword is process not Returned.This is not my first problem with First Bank back in XXXX 2014 they allowed {$400.00} in credit card fraud be applied 2 my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/23/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (WV).
Issue: Account opening, closing, or management

Complaint: Attempts have been made to improve my credit scores. Wells Fargo has been reporting that account is correct with no delinquencies, insist on reporting account as an account that may be considered negative. Information reported to credit agencies by Wells Fargo does not support this account that may be considered negative. I questioned Wells Fargo 's actions to continue to report account as an adverse/account that may be considered negative. They have failed to respond to my concern.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Delinquent account

Complaint: My credit card was opened in XXXX. At some point in XXXX, electronic delivery of my statements was activated without my permission and I failed to receive notification that my account was overdue. They never attempted to contact me via United States Postal Service. I became aware of the unpaid balance when I got a copy of my credit report showing the 30-day delinquency in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Mortgage (VA mortgage) with LoanCare, LLC (AE).
Issue: Loan servicing, payments, escrow account

Complaint: A mortgage I have on my home was recently taken over by Myloancare.com. They have been very difficult to communicate with since dealing with them. We attempted to make a payment and recieved an email confirming that a payment had been recieved, but we have not yet seen the money deducted from the bank account that I authorised them to use. I feel like I am being set up for them to forclose on my home and feel helpless to do anything about it.

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 08/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We have been in a mortgage modification process with Wells Fargo for over 4 years. 
They repeatedly state that documents were not provided when indeed they were, they request the same items over and over again, asking for unnecessary details. In 4 years they have never come to a conclusion regarding this mortgage and have indeed obtained a foreclosure when we were delivering documents consistently. They have also used a lien against a different person at a different address to deny a modification in the past.

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 02-07-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Servicer working on short sale is using fraudulent evaluations. 
When dispute is forwarded with clear and convincing support for lower values, they fail to cooperate. 
This property is facing foreclosure and they will wind up taking the property back at a foreclosure sale. 
They have not communicated with us and have failed to cooperate in an honest and sincere way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: MY son died in XX/XX/XXXX with student loans outstanding. I co signed 11 years ago and now I am XXXX years old and live on SS and small pension. I lost all savings in XX/XX/XXXX and had to sell all my property on a shot sale in XX/XX/XXXX. The payments on the loans will take me until I would be XXXX years old. Impossible. In addition the loans are not with the original bank and owed to AES and NCT a collection and servicing company. The school was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Settlement process and costs

Complaint: On XXXX/XXXX/15, Wells Fargo Mortgage Representative XXXX XXXX and I worked out a deal for an approximately {$270000.00} loan. I have a Loan Application and Truth In Lending Disclosure from that date which I signed and which XXXX told me I was locked in at 3.875 % and used the box on the TIL form which said it was not an estimate to assure me as such. For 6 weeks after that, I was in constant contact with Wells Fargo to ensure that everything was still going smoothly and continuously reiterated the need for the closing to be no later than XX/XX/XXXX. Consistently, I was informed that this would not be a problem and that everything was progressing nicely. On XX/XX/XXXX ( 2 business days before closing ), I received notice that my rate would actually be 4.125 %. Knowing that I could not delay closing by even a day, Wells Fargo purposefully snuck in a higher rate. In total, the bank is going to get {$14000.00} more of my money over the life of the loan. I have filed complaints with Wells and they have so far claimed/admitted the following:1 ) They do not have a loan application for my loan on file. I sent them the one I signed showing 3.875 % and they continue to act like it does not exist. 
2 ) They do not have a signed copy of the TIL disclosure for my loan from before the date of the closing ( a violation of TILA ). 
3 ) The TIL Disclosure I have which specifically shows that the numbers on it are not an estimate does not mean that the rate is locked in. Nor did I ever get any official notice of being locked in at any rate before the closing. 
4 ) E-mails and verbal conversations with XXXX XXXX and XXXX XXXX ( the origination person ) assuring me throughout the process that everything is what they claim it is do not count for anything. 
5 ) Documents which detail the contractual obligations of the relationship either are ( a ) missing, ( b ) do n't exist or ( c ) are proprietary and can not be shared with me to prove that I have not been wronged. 

I would like to know what my legal options are and if these violations of TILA will lead to any regulatory or governmental punishments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: I have been trying to get this information deleted from my credit report I have made multiple attempts to contact the creditor and have n't got any response. I sent a letter requesting information per the Fair Debt Collection and practices Act and have never gotten a response. When i call the number listed on my credit report an answering system asks for my SS number then hangs up on me. The information on my credit report has n't been updated since 2009 and the credit agencies refuse to delete. Please contact me by phone or E mail for more Info ... .. The Company I 'm trying to delete is SANTANDER XXXX XXXX, XXXX ( XXXX ) XXXXDirect Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Payday loan) with Chek Cash, Inc. (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I had my vehicle repoed & I had to use XXXX paychecks to get it back & now I 've gotten behind on my loans. I 'm job hunting also for a second income to get caught up since my husband passed. I have references on a loan with Loan Express & a man named XXXX that works there is constantly calling all of my references & my work supervisor on a daily basis even when they 're at work or home repeatedly & also leaving messages on their phones on a daily basis. I sent them a letter stating my references names & phone numbers & asked them to please stop calling these people constantly. However my inlaw told me that yesterday he called her while she was at work repeatedly so much until she stopped answering because he started using other phone numbers to get her to answer & my other references say the same has happened to them too. Also, I do n't know why he 's calling my supervisor but it has gotten me in trouble at work & he wants him to stop leaving him messages also.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Mortgage (Conventional home mortgage) with GSF MORTGAGE CORP (IN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I received a text message from XXXX XXXX on XXXX XXXX, to " discuss mortgage options ''. I wrote back asking how did you get my phone number. I wrote, " I do n't know GSF. Are you a mortgage company? Where are you located? 
XXXX XXXX wrote back, '' Did you go anywhere online requesting mortgage info? I 'm physically located in Michigan. But I 'm licensed on a state and federal level in Indiana. Actually do more business there than any other state. GSF Mortgage is a private direct lender. We have an A+ rating with the BBB and have been in the industry for over 20 years, so we made it through the worst of times in the industry. '' On XXXX XXXX, XXXX, we spoke via telephone, I gave XXXX XXXX my social security number, and I informed him that I did not want my credit score to decrease by him looking at it. He stated that he will do it a way where my credit score will not be affected. My credit score did drop my 10 points, after XXXX XXXX looked at my credit score. 
On XXXX XXXX, XXXX XXXX, sent me a email requesting that I submit, my drivers license, social security card, two years of my W2 and tax returns and a month supply of my most recent pay check stubs. I submitted every item to XXXX XXXX via his email with GSF Mortgage, except a month supply of pay check stubs. I sent him a copy of the most recent pay check stub I had available. 
XXXX XXXX wrote back, noting that he needed my signature and my pay check stubs. 
I wrote to XXXX XXXX, informing him that I do not have any pay check stubs and to set up his computer system for signatures. I also requested no fraudulent activities with my personal information. And why he needed a copy of my social security card. 
XXXX XXXX wrote back, noting that Uncle Sam and the Patriot Act request that GSF Mortgage company request a copy of my social security card. I wrote back to him twice, asking for his manager, CEO phone number and address. I have not received GSF CEO phone number and address, nor his manager 's phone number. 
By the way, XXXX XXXX, wrote that I have been approved for a conventional loan, but he wanted all of my documents for the underwriter. 
I have been sickened and worried about my social security card/number and drivers license in the hands of XXXX XXXX, GSF Mortgage company. No company that I have ever worked for, has asked me for a copy of my social security card and drivers license. 
Sincerely

Company response to consumer: Untimely response
Consumer complaint received 02/16/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX has provided false report to the credit agencies that is destroying my credit. I paid XXXX in full last year when I left them and XXXX XXXX tried to collect debt I did not owe to them last year for the same thing as well. They removed thier false report after I showed the receipt of my payment to XXXX but this Diversified is not removing the false information and they are ruining my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Both XXXX and Equifax will not update late payments on a transfered mortgage loan account I had with XXXX XXXX XXXX. I sent a letter to the CEO of XXXX XXXX XXXX asking for late payment forgiveness because late payments were affecting my credit ability. The CEO of XXXX XXXX XXXX agreed to remove all late payments and I was sent a letter. I sent the letter to XXXX, Equifax and XXXX. XXXX has updated my account and removed all late payments. XXXX and Equifax has not. I started a dispute with both and XXXX made no changes. Equifax has not updated in over a month, so I am not able to see what has happened with them. I want this account updated to reflect no late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Consumer Loan (Installment loan) with Opportunity Financial, LLC (OH).
Issue: Managing the loan or lease

Complaint: Bi Weekly payments of {$180.00}, i notified them via certified mail that I had a change in income and could no longer afford the payments and to stop ACH withdrawl, they did stop the withdrawl, but are now saying the loan is 21 days past due when it is only 5 days past due and are threatening legal action. I also sent them a check and a promise to pay {$20.00} a month until paid in full.

Company response to consumer: Closed with explanation