milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Our main complaint is over ( a ) how XXXX company handled a case for which we owed NO DEBT ; and ( b ) how Diversified Consultants Inc is constantly harassing us to pay a debt that we do not owe. 
We signed up for a phone contract, paid a deposit and within a few days we cancelled the contract over the telephone and the CSR advised me to not accept the phone upon delivery. The deposit was refunded to us as the CSR advised. Shortly after this, we received a bill of {$190.00} from XXXX. We called another CSR explained that it was a mistake and that we should disregard the bill. A month later, another inflated bill arrived and we called XXXX again. We were told the same story again by another CSR. We continued to receive at least another inflated bill. In late XXXX we called XXXX for the fifth time and yet another CSR and a project supervisor confirmed that the bill was sent in error and that we did not owe any monies. We received a confirmation email telling us that the handset was returned and that " a credit card refund for the returned device '' would take effect, and also that " the XXXX on the account '' had ended.Handset Order Reference : XXXX. Two weeks later we received a letter from a debt collector DCI informing us that we owed {$190.00}. Given that we have NEVER used this phone, nor accepted it, and that we cancelled the contract as advised by a XXXX CSR, we are being harassed for debt that we never ever owed. We have contacted both XXXX and DCI and were advised that our case was closed with XXXX XXXX and handed over to a debt collector. The fact that this even occurred after our numerous attempts to reach both XXXX and DCI is absolutely appalling. We are complaining against both XXXX and DCI for their false debt collection, poor handling of our case, and constant harassment and stress for something that we should never have had to face. We also have evidence of the credit refund from XXXX indicating that the contract was cancelled in time and never used. And we have an email confirmation from XXXX confirming that the handset has been returned. How is this even possible?

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (FL).
Issue: Settlement process and costs

Complaint: I was approved for mortgage with bbt bank, given closing date of XXXX, then XXXX, now no date.I am given XXXX poor excuse after another.bank has everything but still no date to close causing hardship and stress on me, the seller and related.I am going to be homeless, XXXX is ruined, incurred additional expenses because bbt bank ca n't or wo n't do their job

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This company has been leaching on my credit report for several years. I 've paid this account in full never late or missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (DC).
Issue: Making/receiving payments, sending money

Complaint: Paypal stopped allowing me to transfer money to another party. Additionally they have provided no means to remove the withdrawal limit on my account, thus they are holding my funds hostage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a   XXXX   and for some reason when you run my credit, all of my  XXXX  information comes up. Things such as her being in the  XXXX , her places of residence, and car loans she has taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Trouble during payment process

Complaint: My mortgage was transferred to Shellpoint in XXXX XXXX. I am unable to refinance my home due to a mortgage gap Shellpoint has created by not properly reporting the payment history from when Shellpoint began servicing the loan. Shellpoint began servicing my loan on XXXX/XXXX/XXXX and I was notified XXXX that my loan would be transferred from XXXX XXXX XXXX. When I checked my credit report recently, I saw that Shellpoint was quoting $ XXXX past due entirely inaccurate. I called Shellpoint starting in XXXX XXXX and ascertained that the payment history from previous loan servicer, XXXX XXXX XXXX, was not reported accurately. I faxed over a ledger of detailed payment history from XXXX XXXX XXXX for years XXXX, demonstrating accurate and timely payment history. The representative said she would escalate to a department that handles that and would get back to me within a week. After about 10 days, she reported that the department she escalated to was not the right department and did not have an update for me yet. I faxed over additional information from my bank demonstrating that payments for XXXX were delivered and cashed by former servicer and should be acknowledged by Shellpoint. Moving into XXXX and, I had three phone calls with XXXX, the representative, and two phone calls with her supervisor. I was told that I would have a detailed ledger showing updated payment history and new past due amount. That ledger was still in accurate and not showing all payments made to prior servicer. On XXXX XXXX, XXXX, I faxed over copies of previous servicer 's statements from XXXX and XXXX, demonstrating the mortgage payment amounts ( {$3600.00} and {$3600.00} XXXX because the representative said their accounting department thought my mortgage payment to prior servicer was the same amount as Shellpoint 's {$4000.00}. 
It is now XXXX and I 'm out of bankruptcy. Even with a XXXX XXXX XXXX XXXX XXXX showing a past due amount to Shellpoint claimed and paid, I have yet to receive an accurate accounting of my payment history. Additionally, Ive made two mortgage payments recently and received no receipt of payment, no statement, and no updates to my online account. 
And finally, although I am eligible for an XXXX XXXX, without an accurate accounting of my mortgage history, I can not access the refinance option provided by XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Tried to call Nationstar Mortgage customer service number at XXXX. With all the advertisements, there is no way to talk to a customer service representative. I sent XXXX payments in to satisfy my XXXX XXXX, 2015 payment and they applied both to principal so I still owe the XXXX XXXX payment. This servicer is incompetent and should be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are XXXX accounts by Bank of America that show a status of " CONSUMER XXXX ''. I did have these accounts but I am not now, nor have I ever been 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 non-monetary relief
Consumer complaint received 12/29/2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Other fee

Complaint: The following monthly {$2.00} charges can not be explained by Macy 's : On XXXX XXXX, 2015 I paid the balance of XXXX due on my Macy 's credit card. Since that balance, I have not purchased anything else on my Macy 's credit card. However, I received the following charges : XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$2.00}, actual purchases {$0.00}, credit limit {$600.00} ) XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$4.00}, actual purchases {$0.00}, credit limit {$600.00} ) XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$6.00}, actual purchases {$0.00}, credit limit {$600.00} ) XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$8.00}, actual purchases {$0.00}, credit limit {$100.00} - lowered without notification ) On each of the statements, it stated " Interest Charged '' as {$0.00}. However, " Purchases, Cash Adv, Fees & Other Debits '' as {$2.00}. The store would not let me use the card this holiday season and overheard another shopper with the same problem and the same {$2.00} charge. I was not aware of this {$2.00} charge and it is not explained anywhere. On the phone, I was told that it is " residual interest ''. I paid the remaining balance of {$8.00} on XXXX/XXXX/15 and closed the credit card today XXXX/XXXX/15. 
On XXXX/XXXX/15, I was told by XXXX at extension XXXX that nothing was ever reported to a credit agency and nothing will be reported to a credit agency after I close the credit card. It is only {$8.00} but I need total oversight in order to protect my credit rating from such deceptive practices. Please let me know if I can send you the statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (IL).
Issue: Credit decision / Underwriting

Complaint: Due to the financial crisis of XXXX my income declined to one fifth of previous years and finally in XXXX I was forced into a chapter XXXX bankruptcy. I got back on my feet and started paying back my creditors 100 % of what I owed. My mortgage was the only thing I was allowed to keep through M & T Bank. In the spring of XXXX I was sent a package from M & T Bank via XXXX XXXX that I had to sign for. It was a pile of documents saying that the Federal Government had told M & T that I needed to refinance my mortgage to a lower rate. I called the number and asked if this would this apply to me because I was in a chapter XXXX bankruptcy. They said yes let 's proceed. They then called and said I needed to get permission from the Trustee and the Judge so I contacted my attorney who did what I asked. About 2 weeks later they called and said they could not refinance me. 2 weeks after that I received a notice that they were charging me attorney fees for asking the court to refinance my mortgage. I called my attorney and she said that it might just go away since they asked me to refinance and they were my current mortgage holder. I went on with my Chapter XXXX and paid it off. 2 weeks after paying off my chapter XXXX I received notification on my mortgage statement asking for payment of a recoverable corporate advance. When I called and inquired about this they told me it was for the attorney fees that they incurred when my attorney asked the Judge about my refinance. I do not feel that I did anything wrong here since they made the original offer. And I do not feel these charges of over {$840.00} are justified.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (I do not know) with STONELEIGH RECOVERY ASSOCIATES, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a call from XXXX XXXX XXXX from Stone Leigh Recovery at XXXX eastern time. XXXX did not identify the name of his company on the phone call and did not indicate he was calling in regards to a debt. I told him that I 'm not aware of any personal debts and he should mail me official notice. XXXX wanted me to verify personal information and I refused. My ex wife has many debts that are no longer my obligation and the debt collectors like XXXX use misleading statements to try and gather personal information such as my last XXXX of ss #, mailing address and contact numbers. I learned of the company name after calling the number on the caller id and requesting from XXXX 's brother the name of the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2015 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Account opening, closing, or management

Complaint: In XXXX of 2015 I went to my US Bank to discuss identity theft with my XXXX account and my checking account. The branch manager suggested that she open a new checking account for me, and this was done. I could not immediately close my old account since I had to first change my direct deposit information with Social Security and my pension fund. I did this, and I also changed all my information with my creditors. 
In XXXX of 2015 I paid my monthly statement with a creditor in the amount of {$60.00}. I again checked to be certain they had the new account information. Approximately 10 days later, I received a letter from the creditor stating that they had received a returned payment communication from US Bank, and the payment was denied. I immediately contacted the same branch manager to see what the problem was. She told me there was no copy of any returned statement by them to the creditor since US Bank does not keep copies of returned payments on a closed account. However, the {$60.00} is missing from my new account. 
Both the creditor and I believe that the new account was used for the payment. The branch manager insists that since she can not find a copy of a returned payment, the old account must have been used. I find no reason to believe the branch manager as the {$60.00} is still missing, and to whom did the bank release this money?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was not notified in a timely manner that my income driven repayment was ending and due to that i was forced to do a forbearance. They sent me notices stating i had to start making a very high monthly payment or they were going to start reporting to the credit bureau that i am not in good standing with my student loans. I told them that i was out of work and that i was on XXXX and i cant afford the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Diversified Adjustment Service has placed a fraudulent trade line on my credit report in order to extort monies from me that I do not owe. I have ask repeatedly for Diversified Adjustment Service to validate the debt per the FCRA/FDCPA and they have failed to do so. There negligence is causing me personal injury. 

Account # / Reference # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: the bankruptcy on my credit report for XXXX and Equifax is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Debt collection (Auto debt) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: On XX/XX/XXXX, my vehicle was repossessed by GM Financial, who is a third party debt collector, and not registered with Texas to collect debts in Texas. After filing a lawsuit in state court for theft and conversion of my property, I find out that XXXX XXXX XXXX is using the name of GM Financial to collect its own debts. GM Financial shows on my credit report, and so does XXXX XXXX XXXX. GM Financial paperwork states this is an attempt to collect a debt on its paperwork. On or about XX/XX/XXXX, I tendered two payments to GM Financial and one to pay the vehicle off. One payment was a money order from the XXXX XXXX and one payment was from private sources. On or about the last of XX/XX/XXXXI received a release of lien on my vehicle, and then a copy of the Title was sent later. Approximately two to three months later, my vehicle was repossessed by GM Financial. I received a couple of letters, stating that no payment had been made, and thought it was a mistake. After the vehicle was picked up, I questioned what GM Financial used to repo the vehicle since I had the original title and a lien release letter. I filed in state court a restraining order to stop the sale of my vehicle from the illegal repo. It was at this time I found out that the money orders had a problem. The XXXX XXXX money order was never credited to my account, and checking with the post office, the money order had been cashed. The private source money order had an incorrect number, and I was never made aware of this. By law, GM Financial should have notified me of any defects so that it could have been corrected. The XXXX XXXX money order was never returned, nor the private funds money order. There was no reason for me to know that my vehicle was going to be repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Credit card) with Bayside Capital Services, LLC (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted via phone from a private number in which a male left me a voicemail stating that someone would be serving me papers at my home and place of employment which he said he would require a signature from my manager. He left a number to call XXXX and a case # XXXX. I contacted that number and a person by the name of XXXX XXXX at Bayside Capital Services answered. He did not during the course of our call state he was a debt collector nor did he state the required FDCPA statement. This is an attempt to collect a debt ... He demanded payment right away and told me that he is licensed in litigation in XXXX states. He threated that a lawsuit would be filed if I did n't pay the balance owed today. We worked out an arrangement and I asked him for some type of proof that he is who is says he is. XXXX minutes later I received an email with a word document ( see attached ) in which I felt looked a bit on the forged side. I contacted the creditor and they told me they have never heard of Bayside Capital Services nor was the amount was the creditor had on file the same amount as Bayside. I then did a little research on Bayside and read that a few others had the same experience as I. I then contacted XXXX and asked him for his debt collector license because I felt there was something very suspicious about the entire conversation, XXXX told me, after an uncomfortable pause, there are many departments and he does n't have the number then he got angry with me and told me he was never going to give me the number and started to raise his voice even further. I then hung up because I felt that the whole thing was a scam and he was trying to steal money from me. I feel that these people illegally got information from my credit report and are trying to steal money.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: While I was contacting different XXXX dealers, I contacted a company called " XXXX XXXX XXXX '' based on a XXXX XXXX guide advertising to inquire about the best package they can offer. XXXX from that company answered the phone and made me an offer that sounded ok. I explained to him that I 'm still contacting other companies and comparing offers, so he asked for some personal details to secure the tailored offer for me by saving it under my name. 
Few days later, I got an alert ( Through an ID monitoring service ) that my credit report had a hard inquiry twice, once from a company called " Alert center reviews '' which I have never heard of, and another from XXXX XXXX. 
By the time this has already occurred, I had already found the company that has the best reputation and best offer and signed up with them. Few days later I found XXXX more hits on my credit report ( Hard inquiries ). 
I called Equifax to dispute the first XXXX pulls as that company never had my consent nor mentioned they would run my credit. Equifax denied helping and instructed me to contact the company directly. I called the company and got their manager 's number ( Or at least who I was told he was ) XXXX. And called him to sort things out, he said he will reverse the pull but never did. 
I tried to google the company " advanced home security '' to get their address and send a formal registered letter asking for any evidence of my consent they had when they ran my credit. Only to find out that the company does not exist. At that point I realized that I was a victim of a scam and they fraudulently ran my credit. 
I called Equifax again on XXXX/XXXX/16, and spoke to XXXX ( Customer Service Agent ) who completely refused to help. I then asked to speak to a supervisor, was transferred to XXXX who helped me put an initial 90 days fraud alert but still refused to do anything to reverse the credit pulls and their impact on my credit score. She insisted that I contact the company again and ask them to do it. 
XXXX refused to consolidate the hits in one single it as they are all related to one single topic and still left me with XXXX different pulls from XXXX XXXX plus XXXX pulls from the companies ( Total of XXXX ). 
As I am only left with a phone number of a person who -supposedly- is the manager of a company that in turn does n't exist online nor have a physical address. My only hope at this point is that you can help me remove the extra credit pulls from my credit report.

Company response to consumer: Closed with explanation