milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2018 about Debt collection (Auto debt) with BMW Financial Services NA, LLC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I keep getting calls from XXXX ( XXXX ) XXXX. Multiple times a day, all times of day. They keep calling to my work line. Whenever I pick up, they hang up immediately, but still continue to call throughout the day. I finally called back to find out it was a number associated with BMW financial. I do not own a BMW, and have been at this same work line for over two years. This is the first time I have gotten calls from this number. I finally was able to speak with somebody around XXXX on XX/XX/XXXX to ask them to take me off of their list. I explained that this is a work number, it is my direct line, and I have nothing to do with a BMW, and never have. I asked them to quit calling me, and again told me to take them off their list. They said my direct line is associated with an account they have. I explained to them that there is some sort of mix up, and that somebody gave them a wrong number, and they need to quit calling as this is a business line, and the person they are trying to contact is not at my work line phone number. She said they would make a not on the account. I asked to speak to a manager and she said she did n't have one. 

I came into my office this morning, and low and behold there were another two missed calls from the same exact number XXXX, from XXXX XXXX the night before. After I spoke to the person that said she would put a note on the account. Please stop these calls, this is a business line and incredibly unprofessional to be harassed constantly with these phone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit card () with DISCOVER BANK (NJ).
Issue: Billing disputes

Complaint: Discover credit will not refund money for products not purchased. Billed almost {$5000.00}. The company wo n't answer discover. Got trial product. Returned it said do n't want it cancel. They continued to charge card n set no products. They want to give 45 % credit for something I did n't get n discover wo n't credit my money been 4 months. Call discover said wo n't credit money cause co. Wo n't respond. They have all info n I have complaint numbers from multiple calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was paid, but its still appearing on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit card () with Atlanticus Services Corporation (MD).
Issue: Other

Complaint: I got this message from my sisters they called her regarding my debt with Aspre visa from XX/XX/XXXX I filed XXXX with what was suppose to be account insurance and never heard any more from them as I was very sick I did n't think anything of just figured they 'd been paid by insurance. I was in XXXX and an still in XXXX under doctors care. I never gave them my sisters phone number where they got in not sure but I called the number she got from them and learned it was aspire visa it was over 7 years I never heard from them. I 'm XXXX they know that insurance should have paid. They collected fees from XX/XX/XXXX to XX/XX/XXXX on account for this coverage in case I became XXXX it 's like insurance fraud selling bogus insurance to card holders. 
, I got a call from someone regarding XXXX and they are filing suit against you and were going to send the papers here for signature. I told them that you are out of the country. This iis a civil suit. they left a phone number and it is XXXX XXXX and your case file is XXXX. I guess you need to call them. This sound serious. So you should address it. Thanks Love You, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01-10-2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: The company has reported 1 single debt in the amount of {$48.00} to all three credit bureaus as a NEW debt collection account under new account numbers on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX when in fact there is only 1 single account for a medical debt that actually was paid in full by a financial assistance program. By reporting this single account to the credit bureaus as a new debt multiple times rather than as a single account that is outstanding over a longer period of time, it is causing a greater amount of damage to my credit rating. I have spoken to the three credit bureaus and they have referred me back to XXXX XXXX XXXX, stating that the collection agency has to be the group that fixes this mistake. XXXX however refuses to fix this matter and refers me back to teh credit bureaus.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been informed by Equifax that my credit report that they kept on file has been compromised, including sensitive and secure personal information such as DOB, SSN, DL, address, etc. 

I also understand that this is a result of gross negligence by Equifax, and could have serious implications, including identity theft, reputational damage and financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I borrowed money from XXXX XXXX XXXX, the sum of {$450.00} sense that time I loss my job and they new this. They called me several times and I told them my income had dropped tremendously but they kept calling me. Then they started running a check through my account every night until the bank closed my account. I paid out more than {$400.00} in over draft fees which could have been their money but they ran a check through my account every night until I have no account now. I did n't know that my account had been turned over to a collection agency until today when I received a notice from the XXXX. It stated that XXXX XXXX XXXX had turn my account over to National Credit Adjusters. I have been receiving a lot of calls from credit adjusters over the pass couple of months they call me at lease 3-4 times a week. They ask me for personal information such as my Social Security Number and my birth date and I refuse to give that information. We were told by the Federal Government not to give out personal Information over the phone because you never know who you are speaking with on the other end of the phone. I refuse to give out that information. National Credit Adjusters refused to give me their address instead they started asking me a lot of questions, all I wanted was the address from them and they refused to give it to me instead they asking me a lot of questions.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Settlement process and costs

Complaint: I was approved by a mortgage by XXXX, but my current bank, Citizens Bank, said they would meet or beat any competitive mortgage rate. Based on this, I sent my good faith estimate to them which I received from XXXX with a 15yr 2.875 % rate and a {$1000.00} credit. As I have done banking with them for 20 years, and also have my business account there, they sent me an email saying they would offer me a better rate at 2.75 % with no discount fee and appraisal fee paid. I reached an agreement with the mortgage agent for a 2.75 % rate, no discount fees, and a {$500.00} credit. 

I went to the bank the next day and signed all the paperwork with Citizens Bank. Good faith estimate was sent to me three days later which was incorrect ( and inconsistent within the document from section to section as to what was being offered ). I informed the mortgage agent and was told that it was a system generated email which did not reflect our agreement, but it would be correct at closing. 

This was a short sale situation and the bank holding the property paperwork had already agreed to an extension and would not give another, so we had to close on XXXX/XXXX/15. 

Received the HUD one hour before closing and saw it was incorrect. It did not reflect our agreement ( and did not even match the Good Faith estimate ). The HUD showed the correct rate, but added discount points and I was charged for the appraisal. There was no credit given. Called the agent and she refused to re-issue the paperwork to the bank. Tried to call her supervisor with no success. As this was the last possible day to sign the closing I signed the paperwork expecting we could get this resolved after the fact. 

It has been two months since my closing and my calls/emails to the mortgage agent, her supervisor, his supervisor, and the regional vice-president have all been ignored. I have just now received a form letter stating they will not honor their original agreement. 

I have a complete timeline and copy of every email/call/document which I will attach ( and which I presented to my branch manager ) and am happy to meet or discuss this with anyone from your agency. 

Thank you for your assistance in having Citizens Bank honor their original agreement which was used to get me to sign up with them. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (Auto) with Maximum Title Loans, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My son is delinquent on auto loan. Loan and title have no connection to me. My son stays at my home off and on. Debt collector has called my home phone and my cell phone multiple times. He has been vulgar and has even threatened that he knows people where I work and will make comments to try to have me terminated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/24/2016 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (MN).
Issue: Account opening, closing, or management

Complaint: I was told there was an issue with my account, then I am told to visit the branch, I had visited the branch and the banker there gave me the number to the fraud department. The fraud department told me to go to the branch. So I am done with dance. I would like my account closed now and my funds mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several unauthorized inquiries and its affecting me getting a loan for my daughter college education. I have several inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I contacted all these places and customer service would not take care of the negative inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: National Credit Adjusters called and stated that I owed XXXX debts and that they had been mailing letters to me, but the letters were mailed to an address that I have not lived at for 20 years. I ask them to mail the information to me but the refused and stated it will be going to court instead, I informed them of the wrong address and to mail them to the correct address again the rude lady stated she could not and that I needed to pay them now or they will send the information to court. She tried to give me information but was stuttering and rambling and again demanded immediate payment on the debt and still refused to mail the information. The lady was very rude and mean, it also appeared that she was not even ready, she kept rambling off my old address and my driver license number, I thought I heard her say something about arrest warrant, my never stated any solid facts.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: APR or interest rate

Complaint: I made a purchase on a XXXX store card on XXXX/XXXX/XXXX and was offered a promotion where the interest was deferred for 18 months. Since I had e-delivery and all my communication was electronic, I missed the deadline XXXX/XXXX/XXXX for the promotion. The bank ended up charging over {$1300.00} in interest. I called the bank and offered to pay the account in full on XXXX/XXXX/XXXX but was told they will not waive the interest since it had been over the 30 day grace period aloud to make adjustments to interest. It had been 56 days by that point. I acknowledged my mistake and admitted it was an oversight on my part and to maintain a good relationship with the bank, I need them to understand that everyone makes mistakes. My balance as of XXXX/XXXX/XXXX was approximately {$1200.00} and I was charged the promotional interest in the amount of {$1300.00} which is more than my balance. Obviously I would have paid off the balance since it was more than the interest, it only makes sense.

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 06-04-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease

Complaint: Santander had picked up my vehicle as a repossession due to non-payment. Within XXXX hours, I had picked my vehicle back up, paid all applicable fees to have It released to me and have not had any problems since. To date, the company still shows the account as charged off and rarely updates the balance due. I pay my regular note each month and they are still reporting as a charge off. According to the definition, a charge off is considered uncollectable debt. My biggest concern is that it should show an updated status versus charge off. Also, the lender may have written this debt off but collected the credits at year-end that came with the write off. Is n't this double jeopardy, especially if I have the vehicle and am still making payments?

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am challenging a Public Record Information on my current credit profile as inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit profiles under their procedure of reporting as a derogatory for 10 years. The credit bureaus have stated that the information is " verified by it 's origin '', the origin is the Bankruptcy Court. I have contacted the Federal Court to confirm this information and they have confirmed, by documentation, that they did not and do not verify to credit reporting agencies. This is misleading and false verbiage on behalf of the reporting agencies. This discrepancy has prevented me in my personal life 's pursuit and I am requesting CFPB to advocate for me in this challenge. I have a consumer right to know the identity of the " VERIFIED ORIGIN '' that is reporting this negative.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion shows my closed account with XXXX XXXX Bank ( Opened XX/XX/XXXX-Closed XX/XX/XXXX ) as still having a current past due amount of {$65000.00} and a current amount owed of {$160000.00}. This debt was part of the Chapter XXXX Bankruptcy we went through. It does show at Transunion to be charged off as bad debt but for some reason it still shows as a current liability of mine as well as past due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2018 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Trouble during payment process

Complaint: I purchased my home in XX/XX/XXXX where Nationstar became my service provider, now Mr. Cooper with the name change. There was a payment of {$4600.00} for the XX/XX/XXXX property taxes from my escrow account when in the closing costs, that was to be paid for by the seller. This caused for a shortage in my escrow when the Escrow Disclosure provided at closings have me at a surplus, especially since my taxes in XX/XX/XXXX went down to {$4100.00}. According to XXXX County records, they received the payment for the XX/XX/XXXX taxes from XXXX ( the sellers lender ) on XX/XX/XXXX. There were some transfers between the County, Nationstar, and XXXX in XX/XX/XXXX, then Nationstar paid the county {$4600.00} on XX/XX/XXXX resulting on an overpayment. There were more transfers between the 3 parties with the final transfer on XX/XX/XXXX. XXXX was eventually refunded the overpayment because it looks like Nationstar did not accept or appropriate those funds to my account when they should not have made the payment to begin. Based on closing documents and loan termsNationstar should not have paid those XX/XX/XXXX taxes. I believe that I am entitled to a refund of funds in my escrow account, and I have not received them. I placed multiple phone calls to Mr. Cooper and XXXX XXXX, a manager based in Texas, said she was going to provide that refund by contacting XXXX in a conversation I had with her on XX/XX/XXXX at approximately at XXXX XXXX ( CT ). I called on XX/XX/XXXX to for an update on that only to have the customer representative, XXXX XXXX also based in Texas, that they did not follow up with XXXX. Instead, XXXX XXXX just put in a request for more " investigative research ''. A new escrow analysis is required after correcting the escrow accounting error since my property taxes went down from {$4600.00} in XX/XX/XXXX to {$4100.00} in XX/XX/XXXX, while my mortgage payment increased by almost {$400.00}. It makes no sense that my payment increased while my taxes went down. Every time I call I get the same answer from Nationstar ( Mr. Cooper ), that I should contact XXXX for the refund. I have done that and the response from XXXX is that they can not give me information about that property because the loan was not under my name, it was under the seller 's. XXXX did say they are more than willing to talk to Nationstar ( Mr. Cooper ) about those funds and when I tell Nationstar 's ( Mr. Cooper ) representatives, they say that they can not contact PennyMac, so it's a revolving door of not getting the answers or any action on my case.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (Medical) with Credit Service Company, INC (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I reviewed my XXXX credit file In XXXX XXXX and discovered that there were XXXX collection notices from Credit Service Company in XXXX, XXXX on behalf of XXXX XXXX XXXX at XXXX XXXX XXXX Hospital in XXXX, XXXX. I asked XXXX to investigate and they quickly verified that the bills belonged to me because the collection agency had a lot of my personal information. I had been hospitalized in XXXX XXXX at XXXX XXXX XXXX Hospital for at least a week. Medicare and XXXX XXXX XXXX XXXX XXXX paid the hospital bill in full and I assumed the associated bills from XXXX XXXX XXXX XXXX which is a separate billing entity were also paid in full. They usually have been paid in full. No one contacted me about unpaid balances From XXXX XXXX until now I have never received a telephone call nor correspondence from XXXX XXXX Hospital, XXXX, nor XXXX XXXX XXXX. Only XXXX XXXX XXXX XXXX uses XXXX XXXX XXXX as bill collector. I can not verify that the amounts ( approximately {$210.00} ) are vaild. There is specific no description of the services provided. The bills paid by XXXX and Medicare amounted to over {$5000.00}. I ca n't even find an accurate telephone number nor address for XXXX XXXX XXXX Services. I will not pay the collection bills until the amounts are described and verified. I have lived continually at my address in XXXX, XXXX and retained the same telephone number for approximately 29 years.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Comenity Bank continuously keeps charging me late fees when their payment methods are not functioning properly online or over the phone. Their customer service representatives are very rude and disconnect the phone on you when often. Comenity Bank has reported inaccurate balances and late fees to the credit bureau to damage my credit.

Company response to consumer: Closed with explanation