milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from a company identifying themselves as " Diversified Consultants, Inc. '' claiming they are attempting to collect a debt for XXXX XXXX as evidenced by information on my credit report, I have not had any account transactions with XXXX XXXX within the last 7 years. This company appears to be either a fraudulent company seeking to steal money or this instance is related to another incident of identity theft I reported to consumer finance earlier this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX and XXXX 2014, I was alerted that my credit report had changes due to multiple fraudulent credit inquiries. I contacted Experian disputing the credit inquiries after filing a police report for identity theft. I have had additional fraudulent inquiries on and since that date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (NY).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I received a "  XXXX  Credit Card '' issued by TD Bank. I never applied for this card!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
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: I HAVE SENT SEVERAL CERTIFIED LETTERS ( VERIFICATION LETTERS ) TO BOTH THE CREDIT BUREAUS AS WELL AS COLLECTION AGENCY COMPANY Ive received a copy of my credit report and they are still claiming I have an account with them or I owe them something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with because they are a 3rd party collector, they have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. they didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports THE COLLECTION COMPANY STILL USING XXXX ACCT NUMBER AS CURRENT BUT ITS CLOSED XXXX AS WELL AS USING THERE ACCT # XXXX IN WHICH I HAVE NO CONTRACT WITH

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 12-02-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Did not recieve dummy letter which allows me to ask them to validate the accounts. That is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On  XXXX / XXXX / 16  I Filed complaintforOLD DEBT Collection on  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  : complaint #  XXXX . We did not hear from them again until today. Today we received a Court document from  XXXX   XXXX  of California  , County of    XXXX    located at  XXXX , Ca. saying that  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has filed a Substitution of Attorney -- Civil ( Without Court Order ) to new attorney  XXXX   XXXX   XXXX   XXXX ,  XXXX  under name  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Ca.  XXXX . I would like to file a complaint against both attorneys who are harassing me in regards to this very old debt. Please contact this attorneys in regards to this complaint immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: For the past eight months I applied for a loan modification and have been rejected three times due to the Bank of America not allowing my full income as documented. Therefore disqualify me from any loan and trying to force me out of my home in the way of foreclosure or short sale even though I am making my loan payments. 
In addition they have added unsubstantiated amounts to the loan which when asking them to document falls on def ears. They have yet to provide what these extra amounts are for. I need your help this is unfair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do recall owing this money to XXXX. I turned in all of the equipment when I changed service. I 'm just not sure I left a balance. If in fact you do find that I do still owe them I would like to make arrangements to settle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (TX).
Issue: Managing, opening, or closing account

Complaint: A rushcard card holder. Due to system issues could not access my funds today. Called customer service several times. Call dropped XXXX times, disconnected after being placed on hold by a rep. Finally spoke to a rep who told me would have access within XXXX hrs. Several hours later still no access to funds and called back and was told they are still working on the issue but nothing could be done.

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. I 've already spent money purchasing additional Credit Monitoring services as well as Identity Protection services. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (FL).
Issue: Managing the loan or lease

Complaint: Hi, I fanancing a car since last year for XXXX and up less than XXXX I paid XXXX amount XX/XX/XXXX till now my account balance is XXXX I thought this is just stole people money West Lake Financial services XXXX that 's a scam bank no good if anyone has to finance a car do n't go with that scam bank

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was contacted by mail by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX That they had interest in purchasing my XXXX XXXX from my lease and to look at the new specials they had on vehicles. I went in on XXXX/XXXX/17 because they needed to give me an estimate on my car before estimating what payments would be on a new vehicle. This visit was ONLY for estimate purposes. I never supplied my SSN or filled out any application, nor indicated I would be purchasing a new vehicle. I suspect they had an old application of mine on file ( I 've leased XXXX vehicles from them ) and ran my credit report without my knowledge. I was notified my Equifax report was pulled on XXXX/XXXX/17. I contacted the sales consultant on XXXX/XXXX/17 to address the issue. He promptly responded that they did not pull my credit report and that I may be scammed. I replied that it came directly from Equifax. He said he would ask his finance manager and I never heard back after that.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Santander Consumer USA has been reporting my account to the credit bureaus, as a " charge off '', when it was not a " charge off ''. This account was " Paid in Full ''. This was for a car loan and Santander sent me the release of lien. If the account was a charge off, they would not have sent me the release of lien. I have disputed this with the credit bureaus numerous times since 2015. I have even sent Santander letters to correct this and they did not respond. I have also had a lawyer send them a letter and they did not respond ( attached  ).    Santander Consumer USA   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (Conventional fixed mortgage) with Hart West Financial, Inc (CO).
Issue: Application, originator, mortgage broker

Complaint: I locked a 30 year mortgage at 3.375 % on XX/XX/2016 with a 45 day lock and paid for the appraisal and credit report on XX/XX/XXXX for {$580.00}. The appraisal came in low, $ XXXX lower than one that was done 6 weeks prior so I was hesitant to move forward as it would have involved PMI at the current amount I applied for. This took place on XX/XX/XXXX ... ..The staff at Hart West advised that I could submit comps to challenge the valuation and I did that the same day and next and sent the appraisal that had been done 6 weeks prior with the valuation of {$500000.00}. I assumed this was all that was needed as I did not hear back from the lender and had submitted the other additional information they needed clarification on. I finally heard back from Hart West on XX/XX/XXXX and confirmed that I would move forward with the lower valuation and bring more money to closing. I was the told my lock would expire on XX/XX/XXXX and the company said it would cost an additional {$990.00} to extend the lock. I asked them to honor the original terms as they had plenty of time to clarify things and close my loan within the 45 day lock and they have refused to do so.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/28/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Opening a new checking account and after making 10 transactions or a direct deposit of {$1000.00} they would supply a bonus of {$250.00}. I have contacted them several times and even filled out more paper work after going into a branch. I completed the 10 debit card transactions with pin and also did a {$500.00} direct deposit. Both were completed before XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (I do not know) with SUNRISE CREDIT SERVICES, INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company in XXXX, NY continues to call my house every day. I called back XXXX times and spoke to reps and confirmed they have the wrong number and would remove my phone number from their call list. Well they never removed the number and continue to harass. I spoke to a supervisor, XXXX XXXX and was informed they would remove my number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit card () with PAYPAL HOLDINGS INC. (OR).
Issue: Credit line increase/decrease

Complaint: ran my credit report recently and saw XXXX inquiries I didnt not authorizeboth are from XXXX - I have had a paypal acct in the past, but havent used it in years, nor having any desire of opening any credit line with them, yet they automaticaly authorized a check on my credit for both XXXX and XXXX ... .I am super annoyed as I am trying to rebuild credit and dont need these on my report! 

Lender Type Date Reported ByXXXX/XXXX XXXX XXXX XXXX, 2015 XXXXXXXX/XXXX XXXX XXXX, 2015 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2017 about Consumer Loan (Installment loan) with Avant Credit Corporation (NY).
Issue: Managing the loan or lease

Complaint: Today I called Avant Inc to make an interest only payment, I was told that a portion of my payment had to go to the daily interest that accrued from my last payment to today. I told the rep that I did n't want any of this payment going to interest. The rep told me that is the policy and it ca n't be changed. The rep said if I wanted to not accrue any interest when I wanted to make an interest only payment, I must make the payment on the day that my regular payment is due. Also I was told there is a limit of how much additional principal I could pay each month with my credit card. In the loan agreement is says I could make additional payments by paper check, money order, debit card, or credit card, but nowhere does it say there is a limit of how much could be paid with any of these forms of payment. They are forcing me to pay interest I 'm trying to avoid. Their policy will make me take longer to payoff the loan, resulting in unnecessary interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian continues to report information for collection agency that i submitted several disputes for. XXXX Collection Agency is reporting a debt that 's is not mine. Its an apt complex i never broke the lease. There was fire and as you can see on the attached information that was sent to both Experian and XXXX XXXX was not my fault. It clearly states undetermined and Apt complex continue to say is my fault because they do n't want to use their insurance company. I also spoke with their district Mgr XXXX XXXX. he was aware of the situation. Please have this information remove as i 'm trying to purchase a home. 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 01-08-2016 about Mortgage (Conventional fixed mortgage) with ZIONS BANCORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home with California Bank & Trust, they sold the loan without notifying me, and I made my checks out to them for two months after the refinance ( I have copies of the cashed checks ) but they did not forward funds to the new lender. Inside of 60 days I was turned over to collections by the new lender, and after numerous calls to California Bank and Trust, with no results, I am now in default of my loan. A representative of California Bank and Trust has acknowledged their mistake but to date, and it has been over a month now, has refused to reimburse me or pay new lender. I do n't know what to do, but I 've hired an attorney to look into the matter, and would also like to file a complaint. I understand they are legally bound to notify me of selling my loan inside of 30 days, which they most certainly did not. It appears as if my XXXX FICO score wo n't be XXXX much longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Struggling to pay mortgage

Complaint: We purchased our home in XXXX for {$100000.00}. In these 18 years we have absolutely nothing to show for it because we now owe {$160000.00} because of mortgage fees, etc. Our loan has a huge " Balloon '' payment due at maturity. In XXXX we were granted a modification with Ocwen. At that time, we were told that Ocwen would " forgive '' roughly {$40000.00} of our " underwater '' mortgage if we kept up with our payments for a specified time. This " forgiveness '' was part of a Settlement that Ocwen had to comply with. During this modification, we lapsed in payment and were told that the " forgiveness '' was null and void. A couple of months later, their lawyer contacted us & scheduled " meetings '' with the court over the phone with me. During those meetings, Ocwen decided to offer a new payment ( {$830.00} ) to us which was {$250.00} HIGHER than our previous payment. I brought this to their attention on the phone meeting with Ocwen, their lawyer and a court magistrate. I was told by the Ocwen representative that the higher payment was because they were purposely punishing me because of the default on our loan modification. I was dumbfounded. Their lawyer and the magistrate heard this as well and I'm sure this conversation was recorded. We tried making this higher payment but ran into problems when both of our vehicles needed repair. We ended up having to replace one of them and, since we have bad credit, are paying a very high car payment because no other options were available. We both work in different cities and having 2 cars is a must so we can work and provide for ourselves as well as our XXXX children. We're tired of being bullied by Ocwen. We now owe {$160000.00} on our {$100000.00} XXXX XXXX XXXX on XXXX of an acre which is in so much need of repair that we can't afford that either. We want to stay in our home. We want to be able to COMFORTABLY afford the payment. We don't feel we should be penalized by Ocwen any longer. We want the settlement that is owed to us. We want a lower payment. We want to be heard.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My wife and I have filed paperwork multiple times with FedLoan Servicing to have our billing combined. This has never happened. I also submitted a large sum payment 2 years ago, and have been trying to get FedLoan Servicing to bill me monthly rather than simply treating my loan as paid ahead. On XXXX XXXX, 2016 I notified FedLoan Servicing of these issues using their online " contact us '' email system. I explained the issues, and asked that they contact me as soon as possible. Other than sending a standard automated response almost immediately after I submitted my online email, FedLoan Servicing has never provided a substantive response to my request. 

My wife had a very similar experience with FedLoan Servicing a couple of years ago to discuss adjusting repayment options after I lost my job. She even filed a complaint with the Department of Education 's ombudsmun because it seemed they did not want to take any actions that would help us pursue income based repayment options reflecting our adjusted income at that time. In response, FedLoan Servicing lied to the Department of Education and claimed they had responded to my wife 's email, although they never had. I share this because FedLoan Servicing seems to have a lengthy history of disregarding communications, offering consumers the illusion of a convenient communication option but then ignoring these communications. It seems likely that this keeps students in repayment plans for as long as possible that are beneficial to FedLoan Servicing under its contractual agreements as a loan servicer, as opposed to actually performing the function of servicing federal student loans. 

No company should profit from servicing loans on behalf of taxpayers in such a poor, underhanded manner. FedLoan Servicing should provide adequate customer service and if the organization does not want to respond to messages submitted via its online log in system, then it should not even offer this as an option as it is a bait and switch. It makes consumers believe they have initiated a communication to address a problem, only to follow up and then continue to be ignored. It 's absurd and must stop.

Company response to consumer: Closed with non-monetary relief