milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX XXXX, we submitted a complaint to you ( case # XXXX ) about a wrongly reported open mortgage balance on our credit reports. That mortgage had actually been paid off in XXXX XXXX. Ocwen - the company that had reported the above on our credit reports - acknowledged their mistake and confirmed in writing that they would make the correction ( their confirmation # XXXX ). Until today, six months later, all three credit reporting bureaus still report that we were in serious delinquency in XXXX as a result of this. In addition, Owen 's telephone number provided in their letter ( XXXX ) is a marketing scam, set up to make any follow up as difficult as possible, intentionally in our opinion. 
Our request is for Owen to ensure that the credit reporting bureaus no longer report a serious delinquency on our reports due to their mistake. As a result of this we are unable to refinance our current mortgage at a lower rate with an estimated impact of $ XXXX over the next five years.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Synchrony bank has contacted me every day since I have been past due at an upwards of 3-5 times per day. I feel very harassed and uncomfortable getting that many phone calls in one day from the same company to no avail. Every time I check my phone I seem to have a missed call from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-03-2017 about Payday loan, title loan, or personal loan (Installment loan) with GOLDMAN SACHS BANK USA (TX).
Issue: Getting the loan

Complaint: I am a victim of identity theft. I previously created a complaint against Goldman Sach 's bank. After communicating with XXXX XXXX at the Consumer Financial Protection Bureau again today over the phone I was told to create a new complaint. After I became aware that I was a victim of identity theft I notified the creditors that had opened accounts online fraudulently in my name. The only financial institution that has not removed the fraudulent accounts from my credit profile is XXXX by Goldman Sachs. After putting in writing through the CFPB portal that I want to only communicate in writing Goldman Sach 's did not honor my request and called me on my parent 's phone number. I was instructed to file a complaint with the FCC for the phone harassment which I have now done as well. Goldman Sach 's sent me a packet to fill out and requested that I mail it back to them. I will not be mailing it, however I will upload it to this portal so that their actions may be monitored by a federal consumer advocacy group since they have proven to be such predatory and unscrupulous bankers in their attempts to harass me about a loan I did not request, receive or benefit from in any way. I have attached the filled out packet to this portal. I previously provided Goldman with proof that I did not even reside at the address they have on the loan documents. The proof I provided was a signed executed lease agreement at my current residence.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 not provided proof of this debt they reported to Equifax and  XXXX  since   XXXX  . I have asked both agencies to remove this debt or provide proof of the actual debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Account opening, closing, or management

Complaint: I opened a TD Premier checking account on XXXX XXXX, 2016, using a special web page offer for a bonus of {$300.00}. I have complied with all of the terms of the offer : I am a new personal checking customer, and I have had a cumulative direct deposit of {$2500.00} or more within 60 days of the account opening. The bonus should have posted within 95 days of account opening, which is today, XXXX XXXX, 2016. It has not posted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian said they do not require information from the company reporting the debt but they asked us to prove it? How is that Fair? This account is Not suppose to be reporting on my husbands or my account. Please see the attached letter from my attorney indicating they are not allowed to practice collection activities in the state of NJ. Please remove this item from my report.

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX reports both my birthdate and SSN incorrectly after electronically submitting dispute and documents as proof. This account with XXXX was proven as inaccurate and falsely reported by the opposing CRA of XXXX and XXXX XXXX. 
XXXX briefly deleted the account but reposted the debt under another collection agency 's name. 
The account has been proven inaccurate with all three ( 3 ) CRA.  XXXX, like XXXX, disregards the inaccuracies. Both seem to disregard the law and consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX {$1600.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity  theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX {$1600.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received an anonymous call from someone claiming to be a process server. They called from a blocked number. They told me that I must call XXXX otherwise I would have to appear in court. I was afraid and I called the number. I spoke to XXXX and he told me that I would have to go to court if I did not make payment arrangements to pay a Wells Fargo debt. He took my debit card information and indicated that they would email me a letter that I must sign. After getting off of the phone with XXXX, I called my daughter and she suggested that we call them back to seek clarification because it appeared to be a scam. I gave XXXX permission to speak to my daughter and my daughter requested the case number for the legal complaint. XXXX directed us to his supervisor XXXX XXXX and XXXX XXXX became extremely rude when my daughter requested the case number and or law firm that filed the complaint. XXXX XXXX stated that he could not provide the case number because it is immediately removed from public records once I have entered into a payment agreement. What XXXX XXXX did next was extremely offensive and unprofessional. He pulled up information about my daughter and told her to stop pretending to be an lawyer and he knows that she only owns a food company. He mentioned the name of the food company and continued to berate my daughter. What XXXX XXXX did n't know, is that my daughter is an attorney in Florida and she was only attempting to assist me in verifying that the company was legitimate. I am requesting assistance with this company because it has cause me a lot of distress. They now have access to my account information and I 'm afraid that they have unlawfully debited my account without providing me 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
Consumer complaint received 04-06-2016 about Credit reporting () with SYNCHRONY FINANCIAL (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Synchrony Bank/JCP, are stating that I have not been sending in my payments when I have been mailing through my bank checking account every XXXX Wednesday of the month since I have had the card. But in the last 3/4 months I have been getting statements saying I have not paid on my account. I originally owed {$330.00}, in which I have been sending a payment of {$30.00} each month ( I do have the bank records to show this ) but Synchrony have been sending statements that they have not received this money and adding on ridiculous fees & charges bringing my account to the {$420.00}. I 'm a XXXX on a fixed income and I do n't need the this type of trouble. Please help

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 05-06-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MS).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of XXXX my Mother passed away suddenly. She and I had been living in a house which was in her name since XXXX. She left me this house in her Will, which I immediately had to get an attorney to go to probate court to get the house put in my name. This did n't fully happen until XXXX of XXXX. I paid the house note by myself up until XXXX of XXXX. I tried to catch it up in XXXX of XXXX, but my payments were returned to me by Nationstar Bank. ( XXXX XXXX XXXX sold my loan to Nationstar in XXXX of XXXX, and they said I was missing a payment then, but I told them I made the payment, they just lost it. ) They hounded me and hounded me from XXXX XXXX until XXXX XXXX. This is when they sent me a letter stating they were going to foreclose on me if I did n't come up with like {$18000.00} for two months notes and fees, etc. There was no way I could do this. I tried several avenues to try to get the house refinanced and all of them fell through. My credit was n't good enough. I filed bankruptcy Chapter XXXX in XXXX hoping this would help me be able to get back on track with my mortgage payments, but Nationstar refused to work with me. I began getting threatening letters from them stating they had attorney 's who would be foreclosing on me. Finally in XXXX of XXXX I got a letter from them stating they would be putting the sale of my house in the paper three days in XXXX. I panicked and found an attorney who would help me put a stop to this. So he filed Chapter XXXX which put a stop to the sale of the house the day before. However, the house then went to the hands of the Trustee 's office for me to begin making payments to them for the house, my car and arrearages on the house. This is totalling {$1900.00} per month just to keep my house and my car. I only bring home {$2600.00}. I do n't know what to do anymore. If I cancel the bankruptcy then I lose the house and car, if I continue on with these payments ( which they are garnishing my check for ) I wo n't ever have any money for other things. I 'm between a rock and a hard place. I do n't which way to turn. 
Please someone help me. Thanks, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Student loan (Non-federal student loan) with ACS Education Services (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: ACS Education Services has continuously operated negligently in processing my qualified deferral from the University XXXX XXXX at XXXX that has been submitted and resubmitted on the following days : XXXX XXXX ( fax ), XXXX XXXX ( fax ), XXXX XXXX ( email ). On XXXX XXXX a " XXXX XXXX '' provided me as there were " issues '' with the fax. On XXXX XXXX I received an email confirmation that my deferral was received and that by XXXX XXXX my deferral would be processed and subsequent delinquent credit history restored ( as a direct result of the continued and ceaseless " issues ''. XXXX XXXX no such confirmation for deferral was received. On XXXX XXXX I called again and spoke to a " XXXX '' who notified me that no such information, to any capacity, was every received and to resubmit - again. I notified " XXXX '' that I have so far as received an email confirmation by her colleague, " XXXX '', and upon speaking with her colleague stated that it has in fact been received and would be processed, now, by XXXX XXXX. I requested to receive verification from her supervisor. Upon speaking to her supervisor, " XXXX '', I was asserted that the removal of the negative credit history would be done so by the end of the day. It is now XXXX XXXX and no such action has taken place. This has taken considerable time, has negatively impacted my credit history through an undue and unnecessary time period, has caused extensive burden and borders fraud and malfeasance. I am requesting assistance from CFPB and intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On  XXXX / XXXX /  XXXX   or  XXXX / XXXX /  XXXX  , I deposited a check for {$190.00} into my Bank of America checking account via my phone. I knew I had a billpay check for {$130.00} going to a creditor that was scheduled to be  paid on   XXXX  
 BofA said the {$190.00} check would be good to cover items that posted on  XXXX / XXXX /  XXXX  . I assumed this would pay for the {$130.00} payment.     I carefully monitor this account. All day on  XXXX / XXXX /  XXXX  , there was never any overdraft notice. All day on  XXXX / XXXX /  XXXX  , there was no overdraft charge. But, when I returned home from work after  XXXX , in the morning of  XXXX / XXXX /  XXXX  , there was a backdated overdraft notice and charge for {$35.00} on  XXXX / XXXX /  XXXX   for the {$130.00}.     This seems grossly unfair.  1. I had money in the bank to cover the charge. 2.  The bill was not scheduled to be paid until  XXXX / XXXX /  XXXX  , when my check would have posted.  3.  I was never notified that a payment had posted on  XXXX / XXXX /  XXXX  , even though I have every type of alert possible set up for this account, and I monitor my account closely. Had I known that the bill payment had posted on  XXXX / XXXX /  XXXX  , I would have immediately withdrawn funds from another bank and covered the payment.     I have asked for a refund of the overdraft charge, bu t BofA  refuses to give it to me. They claim that I should have known that the bank might pay my bills early and not tell me about it!     I do n't think it should be legal for banks to backdate items when backdating causes the consumer to be charged fees. Seems like a sneaky tactic designed to enrich banks. In addition, it should be required that banks notify customers immediately whenever they are overdrawn so that they can put money into the account to cover the overdraft without incurring a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: For the past three years I have pleaded with the top XXXX CRA to correct the record. Derogortory Information on my credit report is both FALSE and/or dated 15 to 20 years ago. I have not been able to obtain a credit card for over 15 years because of this. What 's worst, credit collection agencies are now filing judgements XX/XX/XXXX and XX/XX/XXXX for disputed items dating back 16 years. People who work as public and or government agencies are being targeted as easy targets. Many times it 's easier to simply give in to the false XXXX dollar judgement than fight and retain an attorney at a much higher cost. This happened numerous times. The new weapon by collection agencies in XXXX is the XXXX XXXX. They strong arm public employees and abuse their office. The CFPB needs to step in and sanction the reporting agencies and heavy fine the abusive collection agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Credit Management has XXXX inaccurate items on my credit report. XXXX I called last XXXX they have it dated as XXXX per XXXX the date was XXXX. They changed the date only to re age the bill again this XXXX Now they have XXXX internet and the date is XXXX. We were living with my father in law from XXXX-XXXX. This bill would be from XXXX. The Re aged this bill and when I call they hang up on me and will not correct their errors that they do intentionally.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2016 about Debt collection (I do not know) with Credit Central Holdings, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company sent me a check in the mail, I never squired about the loan or applied for it. I cashed the check and I contacted the company ( XXXX in XXXX XXXX ) I answered their questions and the first payment was due XX/XX/XXXX2016 and it is XXXX XXXX, 2016. I plan to pay them on pay day XX/XX/XXXX and these people have sent some big bald headed guy in a personal unmarked car to my house every single day for the past 2 weeks, even on Saturday! I am so uncomfortable and I feel they 've trampled on my personal home life by showing up at all times of the day and weekend. Touching my car to see if the engine is hot and looking into my windows and knocking on all my doors. I am a single mom and I am not okay with this! I have every intention of paying them. What makes me more upset is the loan was sent to me, I never once called an applied for a loan in any way shape or form and the XXXX page attached to the check did n't say anything about their communication tactics. It 's really awkward!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Consumer Loan (Installment loan) with Monterey Financial Services LLC (GA).
Issue: Problems when you are unable to pay

Complaint: I took out a loan with XXXX to have a procedure done. They quoted me for XXXX dollars but only provided the doctor XXXX and I still had a balance with the doctor of XXXX. Moreover, I would pay back XXXX dollars for three years XXXX a month. I hit hard times so I missed XXXX payments and also decided not to have the procedure done. I was told todat by the doctors office that XXXX rescended their loan and that the doctors office sent them their money back. So I should not have to pay anything because not only did they pull their money back I never got the procedure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Integrity Solution Services, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am constantly receiving harassing and threatening telephone call from XXXX XXXX debt collector Integrity for a debt of {$97.00} I do not owe. The account is an unauthorized and fraudulent account that 's the result of identity theft. The account do not belong to me.

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 08-05-2015 about Mortgage (FHA mortgage) with Geneva Financial, LLC. (AZ).
Issue: Application, originator, mortgage broker

Complaint: The loan officer threatened to disqualify the buyer if I issued a cure notice. Loan doc 's were not at title 3 days prior to the close of escrow date. Clearly a breach of the purchase contract. I was protecting my seller.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation