milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company Ditech, LLC is reporting incorrect information. I have never had a account with this company. They reported to credit bureaus that there was a cancellation of debt for {$4900.00}. This is incorrect. 

I did have a loan with Greentree, LLC. So I do not know if this information was sold to Ditech, LLC. We do a short sale that closed in XXXX 2015. Greentree was paid and I paid them as agreed. I was never late. Ditech, LLC is reporting that were missed a payment in XXXX 2015 which the same month Greentree received a check for {$4900.00}. Which closed out the account. 

I need to speak with someone at this company who can help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Every time I submit a rebuttal to my complaint against suntrust, my complaint is closed. This is completely unacceptable and I expect a response from suntrust regarding my rebuttal to case number XXXX. My complaint needs to be reopened and never should have been closed. This is completely unacceptable! I thought this site was for CONSUMER PROTECTION. Every time you close my complaint, you 're protecting the unscrupulous mortgage company!!

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 05/19/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage was through XXXX XXXX XXXX, we were having trouble making our payments, we got behind 2 months payments. XXXX sent us packets requesting all financial information so they could help us out. They seemed very interested in helping us out and we had been in contact by phone multiple times. We became 3 months behind because of all the back and forth mailings and phone calls. At this point, we received notice from XXXX that they had sold our mortgage to another company named SETERUS. All future calls to XXXX have not been returned. We have only had XXXX phone call with someone from SETERUS. First of all, they requested my wife 's entire social security number, which she gave them. Then, they said we must make at least XXXX payment to them to keep in good faith and they want our bank account number so they can automatically withdrawal. We have never received anything from this company stating they own our mortgage, besides a phone call. No paperwork in the mail, no account number, nothing! So, we are to give our social security number and bank account number to someone we do n't know? If you check out this SETERUS company online, you will see they have nothing but bad reviews. We want to keep our house and are trying to do all we can to do so. We have been in touch with our United States Representative XXXX district office and XXXX XXXX from XXXX, our local news station. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Told them to stop calling my number was register to the National do not call registry, and i never give them permition to call me, but they keep calling me, and also calling my husband disclosing the reason of the call, treating me. They keep harrassing me, calling always from diferent numbers. ( XXXX ) XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX They keep violating the concent order imposed by CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Payday loan, title loan, or personal loan (Installment loan) with Conn's, Inc. (NC).
Issue: Charged fees or interest you didn't expect

Complaint: Conn 's INC mailed me advertisement stating I am preapproved, also an advertisement for 10 % off which I never received and no interest for 12 months which again I didn't receive. 

Reporting to the Credit reporting agencies that I owe {$1700.00} instead of the amount financed {$1200.00}. 
Sold me a refurbished XXXX XXXX XXXX Stove as new. purchased items on XX/XX/XXXX were delivered on XX/XX/XXXX. 

XXXX XXXX hasn't worked right from the start, the left front burner light doesn't come on the hot surface light goes off before it cools down causing me to burn my hand and thumb. 

Oven set at 400 will only heat to 350. Forced place a 2-year {$120.00} Warranty which is really only a 1-year warranty since the stove supposed to have a 1-year factory warranty. claimed we had to have to warranty since it is financed. 

also, force-placed insurance since it's financed, even since I had declaration page from homeowners insurance. 
Charged me {$3.00} removal of white goods, I sold this before they delivered. 

They are in violation of the ( UDTPA ) ( FCRA ) Breach of Contract, and violation of the truth in the lending act because they didn't provide me a copy of the Credit installment agreement at the time of purchase only a copy of the invoice. 

I ask for either a full refund of the XXXX Stove or replacement with a new one within 30 days. I also filed a complaint with the NC ATG within 30 days and after they send the complaint three times to Conns they still haven't responded.

Conn 's was sued by the Texas ATG for the same issues and settled that case for {$4.00} XXXX. But they continue doing the same violations in other states including NC. Consumer Affairs has received over 1100 complaints about the same problems including people from NC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (MA).
Issue: Account opening, closing, or management

Complaint: In XXXX XXXX, I leased a vehicle that was financed via USBank in XXXX WI. At the time I assigned my low number Massachusetts registration plate to them for the term of the lease ( XXXX XXXX plate # XXXX ). 
On XXXX XXXX, XXXX I returned the vehicle to the dealer and asked them to be sure to have the bank reassign the plate back to me. The dealer gave me a form USBank faxed them showing that the lease had been paid off. ( For some reason they could n't fax a form releasing my plates. ) On XXXX XXXX, XXXX when I went to the Massachusetts Registry of Motor Vehicles to reassign my registration plate to another vehicle, I was n't able to because I needed a letter from USBank, on their letterhead, stating they were reassigning this plate back to me. The Registry Branch Manager was going to allow the bank to fax the document directly to them, so I called USBank. They told me they that their procedure for this did n't allow them to fax the document, and that it would take approximately seven ( 7 ) business days plus the time it took for the post office to deliver it to me. 
I told the person who answered the phone, then the supervisor I requested that this was unacceptable, and it was going to hold me up from registering another vehicle for approximately two weeks. They said they " understood '' by situation, but there was nothing they could do. 
Today I am sitting here unable to assign my plate to another vehicle because their policy is causing delays. It seems their " customer service '' ended once I paid off the lease. I do n't feel their procedure is reasonable if their customers ca n't get access their own plates for two weeks after the lease is paid off and the vehicle has been returned. If they could fax XXXX form to the dealer when I released my vehicle, why could n't they fax a second form? ( Where the Bank knew I wanted to keep my registration plate when I leased the vehicle, they could have done this OR left a second form with the dealer when I leased the vehicle, reassigning the plate back to me at the end of the lease - instead of making me wait two weeks! 
I would like to see the bank more responsive to the people they serve, and I would like to see this impractical bank policy changed so that in the future customers do n't have to wait two weeks like I am now waiting to get access to my plates again. 
SOME BANKS HAVE GOTTEN SO BIG THEY HAVE FORGOTTEN THE PEOPLE THEY SERVE! LETS BANK HUMAN AGAIN! 
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 non-monetary relief
Consumer complaint received 05/20/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a checking account after receiving a promotional flyer in the mail. I would receive a {$400.00} bonus for :  1. making 10 debi t card purchases by  XXXX   XXXX    XXXX   2. enrolling in online statements by    XXXX   XXXX   XXXX  . 3.  registering for the promotion using the referral code. I opened the account on  XXXX / XXXX /  XXXX   following the directions. I enrolled in online statements and made the debit card purchases as required. I did not receive the bonus. When I inquired with Regions, I was told many different reasons ( I qualified, but have to wait 6 months from account opening ; I did n't register the account correctly ). I finally emailed and received an elevated inquiry with customer solutions. It was said that I was n't enrolled in online statements. The system showed that I enrolled in online statements on  XXXX / XXXX /  XXXX   but then unenrolled the same day. I did receive a paper statement in  XXXX . I sent a secure message via my online account to inquire about this on  XXXX / XXXX /  XXXX  . I did not receive any detailed information ; only the directions to enroll in online statements. I re-enrolled, even though I never unenrolled. For this reason, I feel like the company is witholding the bonus due to a computer error, not my own. I followed up with customer solutions, who informed me that the branch manager where my account was opened  (   XXXX   XXXX   XXXX   XXXX , GA  XXXX  ) could override the decision. I first spoke, then emailed  XXXX   XXXX , a branch banker who said he 'd help me. He did n't respond for a week after I provided him the information and I emailed him again. His response stated that he could not help. I called customer solutions again and had the representative (  XXXX  ) contact the branch manager on my behalf. The branch manager,  XXXX   XXXX , would not override the decision.

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 01/16/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other transaction issues

Complaint: I was a victim of online fraud and i sent money thru western union and i called them to tell them a few minutes after i sent money thru them to stop the payment and the man on the phone from western union told me no and hung up on me and then i called back a few minutes later and finally talk to a guy and told him what happened and about me getting scammed and they filed a fraud report and i told them to refund my money and i reported everything to fbi and gave western union the report number and when i called my local police department i spoke one officer and he told me it was out of his juridicetion and to call the other police department and they said that the western union place had to call them and western union dont want to and is all i want to do is get my {$170.00} dollars back from western union like i tried to before it was cashed but the guy hung up on me and after him telling me no so i hope you people get my money back for me

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I filed a police report with the XXXX XXXX  Police Department this is the second police report I have made with the XXXX XXXX Police Department in reference to fraudulent and unauthorized accounts, hard inquiries and collection accounts listed on my XXXX XXXX, XXXX and Experian credit report. The police report case number that 's on file is : XXXX. I been receiving harassing telephone calls and death threats from creditors and debt collection companies in regards to the following accounts and debts that are fraudulent and unauthorized, and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$2800.00}, XXXX XXXX XXXX, {$14.00}, XXXX, XXXX XXXX, {$7100.00}, XXXX XXXX XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/2016, XXXX XXXX XXXX, XXXX/XXXX/2016, the following collection account is fraudulent and unauthorized : XXXX XXXX, {$290.00}

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 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/2018 Please forward this to the Director ....

Good Day XXXX XXXX The recent news that the CFPB has opted to 'dial back ' the investigation of Equifax is inexcusable!

I am forever harmed ... repeat that I AM FOREVER HARMED by the Equifax breach. I can't change my history ; I can't change my social security number there is nothing I can do other than freeze my credit which I have done.

Do not let up on this probe, in fact it is paramount that the investigation perform a deep dive.

If criminal behavior is revealed, then the appropriate punishment, including time in a Federal Penitentiary should be included - even if it involves a high up Equifax executive ... that is probably influencing the diminishment of the probe.

Please do the job that we have entrusted you to perform and do it well.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Consumer Loan (Title loan) with TMX Finance LLC (PA).
Issue: Charged fees or interest I didn't expect

Complaint: Title Max will not give me any statements or receipts for payments made on the loan or how they accrue interest for payments. It seems I am never paid down. They lost my title and then placed a lien on the car when I demanded a full account summary and transaction statement. They are leaving me threatening voicemails to repossess my car and the balance is double what I borrowed after making payments for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (MA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I received an offer to open a new checking account wit h CitiBank and receive a {$300.00} bonus if I deposited {$15000.00} into the account. I made two deposits totaling the {$15000.00}, and was told this would qualify as the direct deposit, and t o expect the {$300.00} bonus in 60 days. I called back about the bonus, and was told the direct deposit had to come from a payroll account, and that I no longer qualified for the bonus because the account was over 45 days old. I 'm in the process of closing the account due to the deceptive information told to me by their representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NC).
Issue: Application, originator, mortgage broker

Complaint: Complaint number XXXX was filed with your office regarding a new loan that Ocwen disbursed on my account that was requested by me, I never signed the loan documents and apparently did not get the credit for the loan disbursement dated XXXX/XXXX/XXXX in the amount of XXXX. When Ocwen responded to complaint number XXXX they did not address the loan disbursement or the new loan number XXXX. We have asked Ocwen 's foreclosure attorney to validate the debt that it is attempting to collect on Ocwen 's behalf and they have failed to do so to date. The only response that was received was a copy of the XXXX Mortgage Promissory note a copy of the deed of trust and the order permitting the XXXX XXXX, XXXX foreclosure. We asked for amounts claiming owed to the foreclosure attorney and we did not receive a response. The foreclosure attorney, through a XXXX XXXX XXXX notified me that the sale scheduled for XXXX XXXX, XXXX will be held. To date XXXX and XXXX 's website shows that the sale will be be held tomorrow XXXX. We have no information regarding the validity of the loan disbursement and requests for payments related to loan number XXXX. A representative in Ocwen 's office informed us today that the Ocwen as the servicer is the same as the creditor and that the loan disbursement was paid by the previous servicer when the loan was transferred.

Company response to consumer: Closed
Consumer complaint received 03-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with BTH Management (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Original loan with XXXX. Debt was sold off to XXXX ( A.K.A. Plaza Services at phone # XXXX XXXX ). I called XXXX to request settlement offer to clear debt and XXXX referred me to collections company XXXX who owns the debt now ( verified on my credit report. Representative ( XXXX also stated she is a manager with XXXX and one of the policy makers on no settlement offers ). I requested a settlement offer from XXXX at XXXX and was advised that XXXX ... /Plaza Services is not a debt collector but a debt buyer. I asked if I could get a settlement offer to close the debt out and was told by XXXX they do not offer settlements since they are not a collection agency but they would take the entire amount owed on the account they purchased. I told XXXX my credit report is showing that Plaza ServicesXXXX is the collection agency to contact to resolve the account. XXXX advised me that XXXX/Plaza Services is not a collections business and my account is in a holding status with thousands of other accounts until XXXX gets it assigned to a collection agency. I asked who the collections agency was and XXXX said it has not been determined yet. I asked how can XXXX accept money from me for a full pay out or as XXXX suggested to set up payment arrangements when XXXX is not a collections agency. I asked why would accounts be in a holding status preventing the consumer from closing the account through a settlement. None of XXXX answers were consistent with other agencies. XXXX advised me that I could not speak to anyone above her management level to get a deeper understanding of why the debt could not be resolved through them versus waiting until XXXX removed the account from a holding status. What struck me as odd was XXXX at XXXX was the customer service representative, the office manager and decision maker, and an author or the company policy on no settlement offer. It appears strange that XXXX is doing business as a debt purchaser and is indicated on my credit report as a collection agency and will not negotiate a settlement on a debt they own per their policy. 1. Are their actions legal or within guidelines? 2. Are they splitting hairs to meet their need to make more than their share of money off of consumer debt without oversite? 3. Why can I not settle my debt with a company that owns it? Does this fall under the fair credit act? 
This experience does not appear to be a proper way to handle consumer debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (I do not know) with Capio Partners, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Whoever is calling wanted to verify residency by giving last XXXX numbers of social security number and would not state who they are or any other information as why they are calling and caller ID just said the phone number and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I 'm trying to perform a trivial operation - temporarily lift a security freeze on my credit report. However Experian 's website is not working correctly ( it repeatedly gets stuck at " loading '' ). When I call them, I get an automated phone tree with limited and inappropriate choices. I can not speak to a real person to perform this trivially simple operation. This is wasting an enormous amount of my valuable time. This company makes money from me therefore it should be more accountable and responsive. I strongly support heavy federal regulation to ensure this happens. Please tell me what I need to do to cause this to happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: On XX/XX/XXXX, Santander Consumer USA repossessed my vehicle. To my suprise when I called the next day, Santander told me I was XXXX behind on payments. I told them I was unaware of this, but they told me they could not reach out to me as my number was on the DNC list ( a rep placed my number on there mistakenly as the secondary number XXXX was no longer there ). Having said that, I was fine with this amd wanted to work out a payment plan ( I have paid XXXX to the vehicle ; the car was XXXX at retail. Santander has refused to do this. Initially they stated I owed a total of XXXX ; when I spoke to a rep on XX/XX/XXXX, I was told I could pay XXXX to pay the car off. I am not sure why they will not work with me ( they state the loan is charged off, but somehow they still have the loan ) and I am willing to work on the payment. I made a payment of XXXX on the XX/XX/XXXX ( my total amount monthly amount is XXXX paid XXXX less because XXXX had to go to getting TN tags albeit I was going to pay my XXXX that Friday ). I have 8 payments remaining. I have offered auto draft and a host of other options, but they have acted like predators requesting a lump sum. Furthermore, them reducing the amount let 's me know they can. I have also offered to pay more ( XXXX ) for the monthly amount. Can someone please assist as I would like the car back and for it not to go to auction? Also, tis company is still addin late fees and deliquency although the loan is charged off.

Company response to consumer: Closed with explanation