milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Debt collection (Credit card debt) with Capital Management Services, LP (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On several dates including today XX/XX/2018 unauthorized call phone calls with falsely indicated caller IDs ( XXXX County Court House and previously XXXX County Court House ) were placed to me, both my elderly parents, 3 brothers, and a sister-in-law. Recorded voicemail messages were left on several of these unauthorized cell phone numbers by a caller 'XXXX XXXX indicating my full name, pending case 'against ' me, 'case numbers ', and wishing me 'luck '. All of these recordings have been saved. My employer was also contacted and several co-workers were given the same information trying to track me down. I have been out of work on a medical leave for a XXXX XXXX for a month. Several months ago when she did the same thing I advised her to cease and desist contact to all numbers including mine, family, employer, and any found through skip trace. I also asked who she was collecting a debt for and she answered. I then advised that a company who misleads or falsely ID 's themselves, contacts third party releasing any information true or false to them, is in violation of Federal law. She hung up on me. My elderly parents were scared for me. The other contactees understand this kind of act but it makes the illegal means no less embarrassing, humiliating, or intimidating. These calls put my employment at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried several attempts disputing inquiries that I have made not made to all the credit bureaus. I did not apply for any job now was I granted credit with and of those companies. I even sent certified letters to those creditors with no response back. I would like for all inquiries to be removed from my credit 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 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is my Third Attempt to have this account with XXXX XXXX Verified. I have sent in letters to all three reporting agencies and I have yet to receive any feed back and it has been over 3 months and no one has corresponded with me anything on my investigation. I have sent information in to the business to have this account verified if I can not obtain legal verification of this account I would like for it to be removed.

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 03/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan is a combination of federal and private loans that i consolidate in the XX/XX/XXXX. i graduated in XX/XX/XXXX and consolidated thereafter. My original loan was XXXX. XXXX sold my loan to Navient. I have {$320.00} taken out of my checking account automatically every month and I still owe XXXX. There is no way to pay this loan off. The end date keeps changing. I will retire from the XXXX with 30 yrs in or around XX/XX/XXXX and will still owe student loans!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Debt collection (I do not know) with Quality Recovery Services, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A review of my credit report shows an erroneous charge by XXXX of {$2900.00} ; for what I do not know. Upon my departure from my rental unit in 2011, I paid all rents due. Now they seek a large sum of money for services I did not incur. In so doing, they violate the Consumer Protection Law and the Fair Debt Collection Act. This erroneous credit reporting has greatly impacted my way of life in a negative way ; I am unable to experience the joy of renting an apartment or purchasing a car because of bad credit.

Company response to consumer: Closed
Consumer complaint received 11-10-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Paid my mortgage in full, by wire transfer on XXXX XXXX, 2016. Ocwen has failed to submit document ( Deed ) of Reconveyance to our ( California ) XXXX County Clerk 's Office. Phone calls to ocwen offer no acceptable reason for their delay in filing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: My fianc and I opened a joint checking account at Suntrust bank and deposited a check in the amount of {$15000.00}. The account was opened on a Thursday and we were told the funds from the check would be available on Monday. On Tuesday morning the funds were not available and the account information vanished from online access. We went to the bank and were told that Suntrust closed the account citing fraud as my fianc owed them money from 2005. After a lengthily process at the bank where we spent time on the phone making payment arrangements for an {$800.00} debt we were unaware existed we still are no better off and were just told our funds could be held for 30 days. This has put my family in a very difficult situation. I do n't understand how the bank can legally refuse to return our funds? Please help me understand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit card () with ENCORE CAPITAL GROUP INC. (TX).
Issue: Credit card protection / Debt protection

Complaint: The credit card had additional cost for insurance in case of illness or accidents. I was diagnosed with XXXX XXXX and submitted every statement needed to make sure my account was paid. I now have lost all documents because I lost my house to a fire.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have been trying to correct my credit report for 10 years now!!! 
It says I lived in New York in 2009 ... I have never been to New York in my entire Lifetime!!! 
My identity was stolen some time in 2009. I have written Transunion several times over the years to try and correct this fraud, and every time they say they correct it. 
Just received my new report ... same New York address listed on the report. 
Tried calling them, can't speak to anyone there, just a computer.XXXX Can't access their website either.

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 01/16/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Struggling to pay mortgage

Complaint: i have not paid a mortgage since 2016 and i have a buyer who is willing to do a discounted payoff with Ocwen Loan Servicing. Due to the condition of the property i am lucky to have an offer at this time. The home has significant amounts of mold inside and out. The deck has been sited by code enforcement on more than one occasion. I do not want to take the chance of losing my buyer simply because the lender and/or investor is refusing to be reasonable. I thought that the lender was supposed to assist me with foreclosure alternatives. At this time, i feels as if the investor and/or servicer is n't doing what the government says they should do to provide me with foreclosure alternatives, i feel as if they are being unreasonable, by not allowing a review of a discounted payoff. I am desperate for help, and with no other option I am reaching out to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I contacted Transunion in XXXX regarding the inquiries showing on my credit report for accounts that I have never seen before and I advised the telephone agent I was a victim their inquiry issue and false information has starting to show up. The phone agent advised that I wasnt effected and the dispute is not valid due to the amount of time the inquiries have been posted to the report. The agent declined the opportunity to assist 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 non-monetary relief
Consumer complaint received 07/20/2017 about Checking or savings account (CD (Certificate of Deposit)) with CIT BANK, NATIONAL ASSOCIATION (CT).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: Complaint about CIT XXXX Customer Call center regarding account closing I had a 2-year $ XXXX CD with the CIT bank, which matured on XX/XX/XXXX. I never received a notice/reminder which the bank is supposed to send me well in advance. I called the bank on XX/XX/XXXX Saturday, to close out of the account but I was n't able to reach a human customer service after a long wait. I called back on XX/XX/XXXX, the first business day after the grace period ( ending XX/XX/XXXX, which is a Saturday ). The customer care team refused to close the amount without charging me penalty that 's the equivalent of 6 month interest. I requested to speak with the supervisor and anyone who has authority to close the account for me, despite the fact that I was a few hours past the " grace period. '' I was told the people I 'm speaking with do have the authority to close the account but they simply choose not to do so because they do not have to based on the CD terms. I was told that they will only make the exception if I, the account holder, was dead. The individuals I spoke with claimed to be XXXX XXXX and XXXX XXXX the call center manager. I requested a higher ranking officer at the bank and was given the name of XXXX XXXX, who was supposed the Vice President of the XXXX center. I looked up the names. It appears that XXXX is just another customer care manager. At the end of my wit, I inquired if I may switch to a shorter term CD. While they offer 6-months CD,  XXXX told me the shortest they would let me do is 1 year. So I opted for that. Afterwards, I looked up online, CIT publishes a policy of option to withdraw full balance and interest after 7 days of CD funding date. I believe the call center staff refused my request to close the CD account and withdraw money not per policy, but out of fear of losing business and hurting performance. The customer service was abysmal and perhaps downright fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The Equifax data breach on XXXX/XXXX/XXXX released my data to unknown people and putting my personal information in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit card () with GreenSky Trade Credit, LLC (FL).
Issue: Billing disputes

Complaint: I received a home improvement loan from Home Depot. I have requested on numerous occasions an " itemized '' accounting of all the charges. There were services cancelled, credited and not done at all, but I can not verify the charges. I contacted the XXXX XXXX in XXXX, Georgia with a written request and was sent a " payment history ''. I am charged for items, assessed interest and demanded to pay what they will not verify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: The reason for my complaint is I was in the process of getting a loan modification. With Bank of America. In the process I was denied my loan modification the original rep i spoke with felt there was something wrong and advised me to speak to the appeal dept. which I did once the appeal dept reviewed my file I was approved I signed all documents sent back to BOA spoke with a new case manager advised me that BOA is withdrawing the approval because I had a partial claim in 2014. But I feel that i should not have to pay for BOA mistake and they should keep there agreement with my new modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Late fee

Complaint: I opened up a store credit card at Old Navy which uses Synchrony Bank for their cards, I feel that they intentionally held my check which was sent easily before the due date in XXXX 2016 for the full balance of {$27.00}, in order to charge late fees and now interest on top of late fees, ... since this happened in XXXX 2016, they continue to add late fees every single month on top of interest charges, and I refuse to pay this since I paid for all the items I purchased at the store in full. If you look at my credit report, you will see that I have never really ever paid interest on credit cards for the last twenty years of my credit history, since I pay them off every month in full, and so it is clear that this is a blatant effort on the part of Synchrony Bank to try to profit even further from my credit account ( and probably other consumers too ), this is an egregious and predatory practice that needs to stop! My credit rating should not be affected by the credit law violations of this lender. Now it appears that they want XXXX dollars from me just for late fees and interest charges, when I paid for all the merchandise from the store in full, and on time.. I even attempted to go in to the store to make a payment, but the Old Navy store reps stated they do not accept credit payments there, so I just waited for my card statement to arrive by mail, and then sent it in on time ( even though by the time I received the balance due statement by mail it was very, VERY close to the due date- another predatory practice ), I feel that they hung on to my check I sent to them just long enough to be able to charge late fees, which I absolutely and unequivocally refuse to pay. I tried contacting customer service about this on several occasions, they would not remove the charges, and on two different calls with them they proceeded to give me two separate numbers to contact for dispute resolution ( XXXX the first time, and the 2nd time the number given was XXXX, ..but if you were to try calling these, both of these numbers are not valid or working numbers which further shows what kind of lender this is. ) Attached are copies of my payments in full and the statements they send showing erroneous late fees and interest. Thank you for the help in 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 12-05-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I continue to receive statements from XXXX XXXX XXXX saying I still owe them money. However I already paid the invoice through their debt collector Transworld Systems , Inc. XX/XX/2016, the most recent bill is XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently pulled my Credit Report and saw many errors. I did not have knowledge of these two debts. They are not mine and when I attempted to resolve this issue with the creditors they only wanted me to pay and would not help me at all. It is very unfair that I have debt on my report that does not belong to me. Please help me to remove this so I can move forward. The creditors should be thrown into jail for how they speak to people and especially when it is not the individuals debt. Please Help! The last  two  accounts on my Credit Report that I have no knowledge of are an   XXXX   XXXX   company that states they represent  XXXX   XXXX . I have no knowledge of this debt and it should not be reporting on my Credit Report. The other is  XXXX   XXXX   XXXX . It also should not be on my Report Because THIS DEBT IS NOT MINE. I have tried and tried to work this problem out and have n't been helped yet! Please Help!! There are als o 2  accounts that are reporting on my report that are too old. They should not still be there. It is illegal for them still to be reporting and they are  XXXX   XXXX  and an account by the name of  XXXX . 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 11/19/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Rewards

Complaint: I have a Citi Dividend card and a City Thank You card. They both provide rewards points. Shockingly, despite promising rewards points, Citi Cards actually cancels all those points, effectively stealing them from their customers, after only a year. The catch they have created is that you must accumulate a minimum of {$50.00} in order to be able to cash them out. Unfortunately, I can not spend enough to accumulate {$50.00} in rewards points in less than a year. So, Citi Bank effectively steals the money they supposedly rewarded me with after only a year. This is in effect false advertising, because these are no rewards points ; these are temporary incentive points to try to force you to spend more. And if you do n't, the bank simply steals the rewards they claim to have rewarded you with. I am not aware of any other credit card provider that have the same catch-22 policies to cheat their customers out of their rewards points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On my credit report, it reports that I have an account with XXXX bank '. This is incorrect information because I NEVER opened an account with this company. I called the company at the following contact info : XXXX BANK, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX ( XXXX ) XXXX. I gave the representative my information ( ie. name, address, social security # XXXX to see if I have an account with them and they confirmed that I do not. However, this account keeps showing on my credit reports and it is ruining my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Application, originator, mortgage broker

Complaint: This is a new Care ( THIS IS A NEW CASE ) Back in 2012 on case number XXXX CFPB assisted me with Bank of America ( BOA ). in 2012 BOA agreed with CFPB and myself and removed all the fraudulent information from my credit report show any late payments ( I have never been late ). I check again this morning and the fraudulent information was back on my report. 

I request all late payments be removed again ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXBank of AmericaMortgage - XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Mortgage debt) with McCalla Raymer Leibert Pierce, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: McCalla Raymer Liebert Pierce, LLC has engage in unlawful conduct in attempting to collect a consumers debt. prohibited by the FDCPA.
The law firm who is subject to the FDCPA has refused to discontinue its illegal debt collection activities.
A lawsuit has been filed against McCalla Raymer Liebert Pierce, LLC and other third party defendants for violating multiple provisions of the FDCPA.
A copy of the lawsuit is included with this complaint.
A partial list of the violation are as follows : Threatening action that the debt collector does not have the authority to pursue.
By initiating an illegal non-judicial foreclosure action.
Violation of 15 U.S.C. 1692f ( 6 ) a Falsely representing the character, amount, or legal status of the debt.
Violation of 15 U.S.C. 1692e Attempting to collect a debt that was discharge in Chapter XXXX  bankruptcy.
Violation of 15 U.S.C. 1692e Failing to verify disputed debt.
Violation of 15 U.S.C. 1692g ( b ) Falsely implied to ( CFPB ) in the consumer response this debt was sold on XXXX XXXX, 2017.
Violation of 15 U.S.C. 1692e ( 10 )

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Mortgage (FHA mortgage) with The J. G. Wentworth Company (VA).
Issue: Trouble during payment process

Complaint: When trying to pay my mortgage on line, JG Wentworth 's website says that " this feature is currently unavailable. '' It 's been like that for 3 days. When I try to call customer service to pay my mortgage on the phone or actually speak with someone, the wait lines are so long I do n't get through. When I use their 24 hour automated pay by phone service, after I enter in all my loan information, the system does not give me the opportunity to pay over the phone but automatically transfers me to a phone number where an automated voice tells me the office is closed. Today is XX/XX/XXXX, and if my mortgage is n't paid by the 15th, they charge me a fee. And my credit score may be damaged? I read an article yesterday that j.G. Wentworth has filed bankruptcy and I 'd like to know if this is all related and how I can pay my mortgage. Can you help?

Company response to consumer: Closed with explanation