milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2018 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (AZ).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: On XX/XX/XXXX ; my wife and I purchased a new XXXX XXXX XXXX that was a loaner car from XXXX XXXX in XXXX. We signed all the loan documents and were told we were pre-approved for the car loan through American Credit Acceptance, we gave our {$1000.00} down payment and left with the car. A few days later, we go the hard approval but we needed to give our proof of residency, and do our welcome call. We provided the requested documents and did our welcome call. We then waited for our license plates and registration but they never came. 

We were contacted on or about XX/XX/XXXX and was told our approval was rescinded because my income did n't add up because the dealership failed to get my self employment documents which I then sent over and the approval was reinstated. 

On or about XX/XX/XXXX ; we went in to sign updated paperwork and were told everything was done and that everything was fine. 

On XX/XX/XXXX ; I was contacted by the finance manager that American Credit Acceptance wanted copies of bank statements for an account I no longer have access to. I was told that this would n't be an issue a week ago when I spoke with the regional manager from American Credit Acceptance. 

I am suspecting that I am being asking to provide all this additional invasive information because I am XXXX American and being discriminated against. This has been a nightmare and I have been more than accommodating to both but this is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: tower loan contacted the individuals whom i put down as references in the event i could not be reached and shared information other than whomever was calling and a telephone number. they told they my loan was delinquent and legal actions would be taking if i did not contact them soon. they also called me multiple times per day alomg with my references. this is very unprofessional and a breech in company confidentially i also have a voicemail where information more than contact information was left amd received calls from cellphones before as well.

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 06-02-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In a nut shell, Ocwen has failed to apply payments and maintain accurate account balances ( which is what the Feds sued them for ... .its still continues to happen ). They charged an exorbitant amount of unauthorized fees for appraisals. They also refuse to give us a copy of our appraisal. Per ECOA by Dodd Frank Wall Street Reform and Consumer Protection Act of 2010 the lender is REQUIRED to send us a copy of our full appraisal. After more than a half dozen requests and having our attorney write a letter they still refuse to send us a copy of our appraisal. They also applied our first XXXX mortgage payments to our account and then reversed one of them out thus NOT GIVING US CREDIT. Our mortgage payment has gone up {$700.00} a month over the last XXXX years. They claim due to escrow impounds, although we were assured that all of our past taxes would be incorporated into our loan. We were very cleat why we needed the modification and now we find our monthly payment is {$1000.00} more a month than when we needed the modification to begin with. We are n't sure how much longer we can hold on. I 'm sure that was XXXX plan all along. I asked that my attorney be added as Power of Attorney and it took XXXX year for them to add him yet they still will not speak with him. How is any of this legal? Esp. after they were sued by the Feds and lost for these same business practices? We were absorbed from Litton loan when Ocwen took over their loans. We also had no idea that they were being sued as we made our first loan payment to them. Upon the research I 've done recently it appears that XXXX years after they lost they still continue to conduct business in a way that landed them in court to begin with. Now we risk losing our home again since the payment is nearly {$4500.00} a month. We need help from someone that will read this and see that they are still breaking the law and do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding purchased debt originally from XXXX Bank. The account with XXXX was orginally opened XX/XX/XXXX, first reported XX/XX/XXXX, at the time balance was {$950.00}, note the original credit limit was {$950.00}, and I keep getting offers from Midland to pay debt, they 're stating my current balance is {$1700.00} and I have XXXX options to pay, I did n't respond. I do not owe this debt ; I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws. I have checked with my State XXXX and verified that the Statute of Limitations for enforcing this type of debt has expired. Midland has re-aged this debt and this is simply a fraudulent act. MCM Account Number is XXXX and the Original Account Number for XXXX XXXX XXXX XXXX XXXX XXXX is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2016 about Debt collection (Credit card) with NORTHLAND GROUP INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Northland Group Inc. has continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to impede my ability to be considered for any credit worthiness and attain any measurable employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I opened new XXXX Simply checking account in XX/XX/XXXX with account # XXXX. I made my first two bill payment on XX/XX/XXXX for {$29.00} to XXXX bank and {$25.00} to XXXX. On XX/XX/XXXX I got call from XXXX that my payment has been rejected due to inactive account. I said my account is active and has {$20000.00} balance. Upon further review they said they have paid both bill out my old account ending in XXXX rather than ending in XXXX. I said I only have one simply right checking account ending in XXXX. ( XXXX ). On XX/XX/XXXX bill pay account was corrected and both XXXX bank and XXXX were paid correct amount. However, XXXX charged {$25.00} returned fee and XXXX charged {$50.00} for returned fee ( {$25.00} twice ). For your review I have attached the {$75.00} charges statement. XXXX have credited {$25.00} fee however XXXX is not crediting {$50.00} that was charged by two times of {$25.00} charges on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Deposits and withdrawals

Complaint: RE : SunTrust Bank, XXXX, VA XXXX 1. My company received a check from a new customer in the amount of {$1800.00} for the purchase of product. The check was written on SunTrust Bank. 

2. Based on new customer status, I hand delivered the check to SunTrust Bank and requested verification of funds availability. 

3. A SunTrust manager at that location certified that funds were available in the new customer 's account. 

4. Based on funds availability, I requested that the check be cashed, then used the funds to open a new SunTrust corporate account. 

5. The very next day, I returned to the same SunTrust Bank branch to request a cashier 's check to be issued from my newly opened corporate account. 

6. The teller advised me that the funds from the previous day were clear and available. 

7. Based on this information, I requested a cashier 's check to be written, payable to the manufacturer of product for my new customer. 

8. Approximately two weeks later, I received an overdraft notice in the amount of {$1800.00}. 

9. I returned to SunTrust Bank and spoke to the branch manager, who stated that SunTrust apparently had made an error and that the problem would be corrected, however ; 10. SunTrust is now refusing to make any correction and insists that I repay SunTrust for the bounced check. 

11. I contacted the customer whom I had received the check from, advised him of the situation, and asked to be reimbursed. 

12. Eventually, he gave me a partial payment of {$1200.00} cash, which I took to the same SunTrust branch and deposited into my corporate account to cover the overdraft. 

13. Approximately one week later, I returned to the same SunTrust branch to pay the remaining balance due on the account. 

14. The teller advised me that there was no record of the {$1200.00} cash deposit I had made the week before. 

15. I contacted SunTrust Customer Support and asked if the branch 's video could be reviewed by SunTrust authorities to verify 1 ) my presence at the bank that day and 2 ) the cash deposit that was made. 

16. The SunTrust representative told me that SunTrust Bank does not do that sort of thing. 

17. No further assistance has been given. 

18. Suntrust Bank has mishandled every transaction I 've encountered with them since opening my corporate account. In addition, during one of my visits, they provided me with someone else 's account information. 

Fairness is not the issue here. SunTrust has mishandled my account and stolen my money. I demand it be returned to me immediately. That is the only right and just resolution.

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 02/14/2018 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have a few fraudulent transactions on my 5/3 debit card. The real issue here is that I cant get through to them on the telephone. Im deaf, so I have to go through a relay service to contact them. Ive also tried their TTY number directly. It keeps disconnecting on me so I can never file a proper dispute. 

That being said, I received a fraud alert from the about a {$110.00} charge. I never made any such charge and checked my account online. There were 2 fraudulent ATM charges as well. I checked my wallet and I didnt have my debit card. Here are the fraudulent transactions ... 

XX/XX/2018 XXXX Withdrawal for {$800.00} XX/XX/2018. XXXX Withdrawal for {$350.00} XX/XX/2018. Two ATM fees of {$2.00} each Also, pending charge of {$0.00} from XXXX XXXX XXXX  XXXX. This is was the merchant on the fraud alert. 

I did not make any of these charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with WELLS FARGO & COMPANY (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a letter regarding the matter however, no response from the company. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " WFDS d/b/a Wells Fargo Dealer Service '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have had a Home Depot account nearly two years and NEVER had a late payment ; the payment was made over the phone and the customer service rep. transposed my payment information and it never drafted. I did n't realize it until it was too late because they were mailing my statement to the wrong address. I have called Home Depot on several occasions and have been assured it will be resolved by their Credit Services Dept. I recently applied for a mortgage only to learn through their credit report that the late payment is still reflecting on my credit ( in spite of being promised it will 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 non-monetary relief
Consumer complaint received 10/19/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (RI).
Issue: Fraud or scam

Complaint: Apparently on XXXX XXXX Rushcard upgraded to a new software system. Since that time my card no longer works. My deposit that was sent last week still has not been posted to the card. You ca n't reach customer service you wait on hold for over XXXX hours and then they hang up on you. My balance keeps going down even though I have been unable to use card and my {$400.00} direct deposit still has not been posted. I 've called, emailed tried XXXX everything you can think of and no response. The one time that I did get through I was told they were working on the problem and they had no further answers. I asked to speak to a supervisor they put me on hold for another XXXX hours then hung up on me. I just want my money along with everyone else that I am sure you have heard from!

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Razor Capital, LLC (MI).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Razor capitol, LLC has called me many times using profane language and what I would perceive as threats if I do not pay them. I asked for them to stop calling me. They have not. Now I let their calls go to voice mail but they wo n't leave any messages saying its them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Making/receiving payments, sending money

Complaint: XXXX I lost my wallet a couple of months ago, I must have thought I contacted capital one 360 's department about my stolen bank card. I was asked the other day ( by my boyfriend ) what ever happened to that return ... Apparently I had contacted everyone else but capital one 360 about having lost my wallet ... 

Capital one 360 is supposed to be zero liability. I was essentially accused of lying about my card being stolen because it was reported late, I had reported other activity ( mind you I believed I had reported losing my card ), the medications make me confused. Capital One 360 claims ZERO liability during it 's advertisement. That is completely false!

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is a medical debt showing on XXXX XXXX and XXXX from Commonwealth Finance for {$800.00} for services rendered at XXXX XXXX XXXX. I did NOT receive any services from this establishment, nor I have signed any documents stating that I am responsible for any bills for myself or anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Trouble during payment process

Complaint: Something is terribly wrong in my mortgage balance. I purchased my home at  XXXX   XXXX   XXXX  in  XXXX , Virginia in the year  XXXX . I have never missed a payment or ever been late with a payment since purchasing the home at said address. I have not ever made a refinanced loan to my knowledge since purchasing this home. However  XXXX   ( Bank of America )  have a balance of {$160000.00} remaining balance with a term of  XXXX  remaining years to pay. Some is fishy about this and when I asked to see the refinance package that BAC supposedly have on file they sent me  XXXX  sheets of paper that looks to be forged signatures. Also, the date of the alleged time was in the year of  XXXX  during the real estate crash. The previous loan was with  XXXX   XXXX  that  XXXX  purchased their loans.  XXXX  # is #  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 01-05-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Per Texas law, this company is required to provide proof they legally own this debt. All I continue to get is portion of statements. This is not proof they legally own this debt to be able to collect. I will be filing a compliant against them with the XXXX 

Also, this company has also failed to disclose all the names they are known by or formerly known by to me. This is also a violation of Texas law. 

Texas Fair debt collection practices. 

Texas Fair Debt Collection Practices Act 392.304. FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS.- ( 2 ) failing to maintain a list of all business or professional names known to be used or formerly used by persons collecting consumer debts or attempting to collect consumer debts for the debt collector ; Under the Texas business and commerce code I was not provided proper notice of this debt being sold to this company nor do I have a contract or any other obligation to this company. 

Texas Business and Commerce Code - BUS & COM 9.611 through 9.613.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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 multiple dispute issues with Experian and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V XXXX XX/XX/XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. XXXX further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to Experian and XXXX for XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XX/XX/XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment on XX/XX/XXXX would be for you to furnish XXXX bank statement proving when my payment was accepted. Congress states in XXXX v XXXX XX/XX/XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.

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 09/21/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXXCARE CREDIT never verified the status of the account post Hurricane Matthew. In XXXX 2016, a  payment was made after a negative call. Following this the account was to be on a hold. The account was marked as 120+ days passed due and is now reflecting as a charge-off. The company was negligent in following up with the letter and updates regarding the account.

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 03-01-2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: CREDIT BUREAU IS IN VIOLATION OF FCRA, METRO 2 COMPLIANCE, LOCAL AND STATE AND FEDERAL CONSUMER PROTECTION LAWS.

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