milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2016 about Debt collection (Credit card) with Direct Recovery Services, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received numerous calls from this company and have submitted XXXX separate complaints prior to this one. On XXXX they called my brother, sister, wife, sister in law and nephew. They keep leaving recorded messages for me on my nephews voice mail. In the call to my sister on XX/XX/2016 they said they were calling from XXXX and said that I listed her as a contact person and that she does n't know but it may be a timing issue and that she needs her to verify some information and told my sister my address. My sister asked her to email her a copy where I put her down as a contact person. The woman said she 'll just put down that I falsified information. 

Firstly, I have never given this company or this person prior express consent. 

Second, they threatened legal action in an attempt to intimidate in a call to the cell phone of my mother in law. 

Thirdly, they disclosed the last XXXX digits of my social security # in a voice mail in a call placed to my mother in law. 

Fourthly, they placed a call using automated telephone equipment or an artificial or prerecorded voice to my cell phone as well as the cell phones of my mother in law, sister in law, brother, sister, nephew and wife. 

Fifthly, they disclosed my address to my sister. 

This company is menacing, threatening, stalking and harassing me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On  XX/XX/XXXX  I signed up for the Citi  XXXX   XXXX  credit card with with a promotion that stated : " Earn  XXXX  weekend night certificates each good f or 1 weekend night ( standard r oom, double occupancy ) at select hotels and resorts within the  XXXX   XXXX  after you make {$2500.00} in purchases within the first 4 months of account opening ''.     By  XX/XX/XXXX  I met this minimum spending and on  XX/XX/XXXX  I made a payment on the account for {$3000.00} completing my portion of the sign up agreement. I waited for the  XXXX  free night certificates to arrive in the mail and when they did not arrive by  XXXX   XXXX  I contacted  XXXX  customer service. On  XXXX  I contacted  Citi c ustomer service via Chat and they referred me to telephone support. I called Citi customer service on  XXXX  and the representative was unfamiliar with the offer. The representative stated they would need to escalate my inquiry and that I should expect to hear back within one week which would be  XXXX .     By  XXXX  I had n't heard anything from Citi so I contacted Citi customer service via  Secure Messaging.   I received a message back from Citi on  XXXX  simply stating " We have reviewed your account records and have identified another account  ( s ) th at have been established and or closed in your name within the last 24 months that had special promotional bonus of fer ( s ). '' I 've never in my life had the Citi   XXXX   XXXX  product therefore I am eligible for the sign up bonus.

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 09/26/2016 about Credit card () with TD BANK US HOLDING COMPANY (GA).
Issue: Payoff process

Complaint: i have had a Target Red credit card since XX/XX/XXXX. They refused to take my payment on XX/XX/XXXX at XXXX when payment was due by XX/XX/XXXX. I called the moment I remembered and as always intended to pay in full. I always pay any amounts due in full. citing they have made a late payment exception for twice in 12 months, they could not take this payment and remove late fees of {$25.00}, interest and the negative reporting to the credit bureaus. This is stupid. THREE times on XX/XX/XXXX and XX/XX/XXXX I asked for a supervisor and was refused. I was placed on long holds and told a supervisor would call me back within 24-48 hours. You 're telling me that inside of this MASSIVE organization, there is not one supervisor available to talk to me? XXXX I want the late reporting, fees and interest removed. I only have a {$200.00} credit limit with them anyway. It 's not like this is a big limit card. the amount due on XX/XX/XXXX was {$90.00}. XX/XX/XXXX phone calls only infuriated me further. One tried to strong arm me into paying over the phone and not even listen to what i had to say. What sort of shim/sham operation is this anyway?

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XXXX-18 I tried to purchase a same-day cheap mattress for delivery within 24hrs at XXXX XXXX at XXXX XXXX XXXX , XXXX XXXX MO XXXX ( XXXX is the manager ). When I realized that per a phone call initiated by XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX OH XXXX ) phone # ( XXXX ) XXXX was forcing me to accept a Credit card ( to be mailed in 10 days ), I told XXXX at XXXX XXXX   ( ext XXXX ) to cancel and he refused.He also refused to give me his last name or employee I.D . 
I never signed any documents or filled out anything authorizing a Credit card of any sort. I never received any authorization Code, allowing Synchrony to access any credit reports. I have a Fraud alert on ALL of my reports. Please penalize XXXX XXXX. At a different store, I bought a mattress on XX/XX/18, about an hour later.

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 01-03-2017 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Deposits and withdrawals

Complaint: My XXXX account was hacked on XX/XX/2016. XXXX sent me an email stating that there had been unusual activity ( which was someone logging in from New York ) and they deleted one of my consumer accounts but also made a payment from a checking account that was linked to paypal and made a payment to my paypal credit account. PNC was closed in observance of the holiday on XX/XX/XXXX when this all occurred so I called them first thing this morning. I spoke with an agent by the name of XXXX who said that the pending unauthorized ach transaction could be canceled but the merchant would have to call XXXX. I called XXXX and the representative with paypal whose name was XXXX and I called and was told that the number we were given was for debit card transactions so they gave us the number for general customer service. Called and spoke with a XXXX who stated the pending ach transaction in the amount of XXXX could n't be rejected it had to post first and then I would have to call back and dispute it. The merchant asked if I provided a letter that she had just emailed me could that speed up the process because it definitely was n't an authorized transaction. The agent stated no. I asked for a supervisor. He reached out to his retail escalation who told him we had to wait for it to post. Again I had the merchant on the phone confirming it was fraud. I have a letter confirming it was fraud. If I was a high end customer who had got hacked they would have rejected the ach transaction. I know the ach transaction can be rejected so why should the account be subject to overdraft fees and a waiting process for a dispute that may or may not give a provisional credit. This is so disheartening as a consumer to be violated by a hacker and my bank just brush it off like they did AND on top of that stating to me that I will have to call back. Just ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Debt collection (Federal student loan) with KEYCORP (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I made an extra lump sum payment on my student loan and the loan servicer ( My Great Lakes ) applied this payment incorrectly. After several phone calls to the servicer I was told that they take the excess payment and apply it to next months payment first, and the remainder is applied to principal. This information was never provided to me, nor can I locate this information published anywhere by the servicer. 

They have a " how payments are applied '' section on their website which states : " However, when it comes to excess payments you have more flexibility. We automatically apply excess to : 1. Accrued interest since your last payment. 
2. Principal of the loan with the highest interest rate. " On XXXX/XXXX/16, my automatic payment was drawn and applied as all automatic payments are. On XXXX/XXXX/16, I made an extra {$1000.00} lump sum payment which was specified to be 100 % applied to one specific loan token ( highest interest rate ). I expected that a small portion of this payment would be applied to 1. accrued interest since your last payment ( 4 days of interest ) and 2. the remainder would be applied to the principal of the loan with the highest interest rate. Instead, it was first applied to next months payment and the remainder applied to the principal of the loan with the highest interest rate. 

After speaking with customer service at Great Lakes, they agreed with me that the " how payments are applied '' section is confusing and lacks the full explanation of how payments are truly applied. 

This is very unfair to the consumer who is simply trying to get out from under their student loan debt. This servicer needs to clarify to the consumer how exactly payments are going to be applied and I hope that the Department of Education will assure that they fix this issue. I have had loans with XXXX ( formerly XXXX XXXX ) and XXXX and this has never been an issue. These other servicers made it very clear and easy how your payments were applied, and if you made an extra payment it was applied exactly as you expected. XXXX and XXXX get an A+ rating and My Great Lakes gets an F.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with Ray Klein, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I purchased a service from a company called    XXXX   XXXX    back in   XXXX   XXXX   XXXX  , the service involved  XXXX  virtual phone numbers to be used for my computer programmers to develop an online defense system against fraud. After almost  two months of  trying to make there equipment and services to work everyone just gave up and   XXXX   XXXX   supposedly cancelled the service, as can be verified through email correspondence attached. They claim in there emails that I was notified  on six occ asions by email and phone, this is a lie, after asking them to send me the emails they said they were not in the system. When they decided to send the account to collection the exact same thing occurred, this company NEVER once contacted me for money, not by email and not by phone. Keep in mind that  XXXX   XXXX  had all of my personal information including my address, my cell number which I have had for over 20 years and my emails. I found out about this  " Collection '' from j oining a credit bureau and saw it totally wiped  XXXX  points from my  credit score whi ch in turn caused a bank loan to be denied recently.   I disputed this collection and after some time I heard back from all   XXXX   credit bureaus,  XXXX  agreed with me and wiped off the collection, but both  XXXX  and   XXXX   did not and I still have this collection against me which bewilders me to no end.   During this situation I found that the system for the consumer is totally inept, for example to appeal the decision you are allowed only  100 wor ds!!! In my case it is a very complex situation and to fully understand the situation I can assure you it will require probably  a 1000 or 10000 words.    As far as who I am and how I pay is important, I am   XXXX   years of age, served honorably in the  XXXX   XXXX  and character is why you pay bills, on or about  XXXX  I got very sick and my income dropped to  XXXX , BUT I paid off everyone I owed, as agreed, during that time, as can be verified in the bureaus. Since I did not start using credit i.e. did not have the ability or earnings to pay debts my credit was wiped out, I do remember back in  XXXX  or so my  credit score  was  XXXX . Just wanted everyone to know ...    One other  matter I noticed, perhaps does not mean anything, but   XXXX   XXXX   and  Professional Credit Services are  in the same state and across  the street from each other, I think they are owned by the same company, if so woul d not that alone violate some regulations or laws?     I have attached the results of the credit bureaus decision along with my bank denial for credit based on this collection plus a word document that has the email correspondence between my self and  XXXX   XXXX .     I thank you for any and all consideration in this matter ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Struggling to pay mortgage

Complaint: XXXX This is a response by to a letter that was sent to me onXX/XX/XXXXstating if I 'm not satisfied with the response from Ocwen Loan Servicing that was sent to you to reply or you will close the file. After gathering document to show that I was force into a medication from Ocwen after being dismiss from bankruptcy, a class action law suit was file against Ocwen and I receive a letter dateXX/XX/XXXX stating if I did nothing I would be part of the law suit letter enclosed ) I have never anything from the suit, and CFPB was involved in the law suit against Ocwen. Furthermore Ocwen state that I requested a modification and was approve for HAMP modification but there is no indication this HAMP modification is a SILENT SECOND MORTGAGE I would have not requested XXXX added to my loan if they would have stated that it was a second mtg. Guideline to what a silent second mortgage is enclosed. and according to RESPA the mortgage company is suppose to provides consumers with improved disclosures of settlement costs and to reduce the costs of closing by the elimination of referral fees and kickbacks. and I 'm still ask Ocwen to clearly show what the XXXX was applied to and what did Ocwen send to IRS interest that was paid by buyer for the time XXXX. Could not enclosed the silent second mortgage will send later.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Closing/Cancelling account

Complaint: My name is XXXX XXXX my ss # XXXX I been with American Express over a year I have XXXX accounts with them XXXX personal and XXXX business I open XXXX account for XXXX of my head employees in California he used the card this was a new business and card was for that business i use my card off and on, the XXXX time my employee use for XXXX in tell i got out too California American Express for all my cards never missed a payment always paid before time they asked for proof of income I told them I was a victim of identity theft so the IRS Could n't no information I did everything they ask me to, they want my XXXX for XX/XX/XXXX and XX/XX/XXXX so I called the IRS To get A copy the IRS ask me show my copys to the IRS, told XXXX what was going on I told them I will fax over my copys, and they told me no that they want the originals on open from the IRS which would then mail to me from XXXX XXXX XXXX on XXXX has the right to opening my mail, so they cancelled all my credit cards hurting my credit making remarks that I was a resk to pay them back, when I show my bank statement how much I have in my accounts, when I applied for my credit cards I fit every requirement this is all over XXXX employee spending {$1900.00} stating that he used 95 % I love my credit when she used it XXXX time until I got in California XXXX and they spend it right away which was paid back in full before time, I feel that their prejudice because XXXX my XXXX accounts has nothing to do with my personal accounts, now they 're putting my credit history in jeopardy, when there are people out there as do n't pay their credit cards, and they have someone like me that page before time never missed a payment never been late always paid more than what was do I need your help just trying this out thank you very much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I feel that my privacy was violated in that sensitive and personal information regarding my personal debt was provided to my brother in law, who has no business knowing my personal situation. Midland called him and instead of verifying the identity of the person they were speaking to, they proceeded to provide him with my debt situation. I do not understand why they did not verify who they were speaking to securely ( I had to provide my social security number when I called in before they would talk to me but they did not ask my brother in law to provide any method of identity verification upon speaking to him ). I feel violated and am very upset. It is bad enough that I am in this situation ( which I take responsibility for ) but now a member of my extended family is also aware and it is humiliating.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE DOCTOR BILLS FROM FAME AND XXXX XXXX WHICH ARE MY ADULT SONS BILLS FROM WHEN HE WAS AN ADULT ON HIS OWN. ALSO I HAD INSURANCE AT THE TIME THE XXXX XXXX BILL FOR MY DAUGHTER UNDER XXXX XXXX XXXX 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 02-08-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with MORGAN STANLEY & CO. LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX I sent a subpoena to Morgan Stanley to get all records about a house that I purchased on XX/XX/XXXX. I received nothing yet.

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 07/19/2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (NY).
Issue: Trouble during payment process

Complaint: LoanDepot, my mortgage company, has yet to pay my property taxes to   XXXX   XXXX    XXXX  for  XXXX     2017.   They have, however, paid the taxes for  XXXX  2017- XXXX     2017. T hat payment was only made just recently, as up until just a few weeks ago both  XX/XX/XXXX  and  XX/XX/XXXX  payments remained unpaid After many phone calls to their customer service department and many emails to their " delinquent taxes '' department asking for a solution, I continue to be put off and told that " funds were disbursed '', yet these taxes continue to remain unpaid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Below is what I have copy and pasted from XXXX XXXX. I disputed the first one because this around the same time that my identity had been stolen, yet they close one and just turned around to open another one. This should not be on here. I have disputed multiple times now. PLEASE fix this. Thanks! 





XXXX XXXX - XXXX Closed : XXXX XXXX, XXXX + XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX - {$340.00} Needs Attention Overview You 've paid off 0 % of your collection amount. 
Balance {$340.00} Highest Balance {$340.00} Opened XXXX XXXX, XXXX XXXX XXXX yr, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: DITECH FINANCIAL LLC purchased the account referenced from XXXX or from another third party junk debt buyer according to Chief Justice XXXX of the US Supreme Court, DITECH FINANCIAL LLC is in direct violation of the COURT of COMMON PLEAS OF XXXX PENNSYLVANIA, COURT OF APPEALS FOR THE XXXX, and in jeopardy of fraud by mail for attempting to commit felony conversion and attempted theft of Respondent 's property, DITECH FINANCIAL LLC in violation of contacting me on the above-mentioned alleged account at my home, upon receipt of this letter dated XXXX/XXXX/2016 this places DITECH FINANCIAL LLC DEBT COLLECTOR 'S in direct violation of Federal law, pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] with fines of {$250000.00} or imprisonment, failure to validate the debt The [ FDCPA ] gave DITECH FINANCIAL LLC thirty ( 30 ) days to validate the alleged debt. 30 days have passed, present letter dated XXXX/XXXX/2016, failure to respond to TO [ XXXX ], FAILURE TO RESPOND WITHIN THIRTY ( 30 ) DAYS TO EACH NUMBERED ITEM BELOW IS ESTOPPEL. SANCTIONS MAY BE IMPOSED FOR REFUSAL TO ANSWER QUESTIONS OF DISCOVERY [ XXXX questions of discovery unanswered ]. Any proceedings on the Above Case, including the re-sale of the alleged debt information for the purpose of collection by any other debt collector/company, that are taken without first timely responding to this letter by the party ( s ) will be deemed prima facie evidence of fraud by mail and racketeering against the party ( s ). DITECH FINANCIAL LLC ( " Ditech '' ). ; XXXX, ORIGINAL CREDITOR : XXXX, its agents, assigns, principals, and counsel. Silence is acquiescence ; acquiescence is estoppels. 
Disputing your extortion and fraudulent claim of " debt '', XXXX XXXX, 2016 Certified Mail # XXXX DITECH FINANCIAL LLC ATTENTION : XXXX, AZ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Mortgage (Other type of mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Trouble during payment process

Complaint: In  XXXX  I took out a second mortgage with HFC, a HSBC company and just recently it was transferred to a company I never heard of  XXXX ,  XXXX   XXXX   XXXX  ,  XXXX   .    I never looked closely before just made my monthly payments until recently and I noticed that my principal has hardly been reduced over these 10 years and I began to think that this is an abusive mortgage situation that I am involved in. I looked online and saw that in  XXXX  HSBC was sued over similar abusive mortgages. I would like to get relief and a fair situation for this mortgage from the companies now involved and previously.

Company response to consumer: Closed with explanation