milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2016 about Debt collection (Mortgage) with Summit AmeriFirst Holdings, Inc. (MI).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Amerifirst finance bought out the loan we used to pay for our windows -the repetitious phone call start the day the payment is due at XXXX until XXXX. Sometimes when I get home, there has been up to 25 calls in one day. I 've been told they can foreclose on our house. This was said for a loan payment that was 13 days late. They also call my husband 's cell phone in-between the calls made to our house. We bought the widows over 10 years ago and most have been broken since the first year but directly after buying them, the company went bankrupt.

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 (Medical debt) with Merchants' Credit Guide Company (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: All I know is that this account is showing up on my credit report and I have no knowledge of account or any business dealings with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Case # XXXX-Update I wanted to add more detail to my response to MT Bank response : -XXXX-check received by MT Bank with letter was attached that broke down the insurance checks MT had already and a check for remaining balance was sent to MT as instructed by MT. Check was mailed back. 
XXXX XXXX - overnighted check - letter was attached that broke down the insurance checks MT had already and a check for remaining balance was sent to MT as instructed by MT. 
-XXXX - Postal tracking confirmed MT received the check. Spoke with XXXX at MT-she confirmed that this payoff needed to be processed AND informed me that SHE was immediately reaching out to the attorneys so that house did not go to sheriff sale. Two days later house listed for sale. 
Payment not processed- check mailed back AGAIN- different story every time MT Bank is called. 
-Spoke with Attorneys- Overnighted the same check on XXXX/XXXX/16. It is now XXXX/XXXX/16 and account is still not paid off. 
-M T Bank has had the first two insurance checks since XXXX. 
So there response that they can not waive fees is not only ridiculous but should be illegal. There should be notes all over the account at MT of all the discussions. The time spent on phone calls ( which were usually hour or so long ) is frustrating and stressful. How do they get away with treating consumers like this. There should be a class action brought against M T Bank-reading other consumer complaints on the consumer protection bureau about this same treatment makes me wonder how many consumers were charged more then they should of been or worse yet lost there homes.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Have  XXXX  and  XXXX . Charges from  XXXX   (    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     ) were incurred and I was unable to pay them at that moment ( after having   XXXX   XXXX   ) ... Yet, they as the state, freeze and control all state tax refund payments to me and my wife each year/and or with the help of the IRS, also our federal tax returns ... As such, this debt and any from them ever made, is automatically discharged each year as they collect me and my wifes state tax and federal tax refunds ... ..In essence, there is never a old/new debt due as we pay them via tax return refunds they get at the end of each year ... I have a feeling that this is the same law firm I have told repeatedly not to call me and they continue to try and extort cash from us ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I initiated a dispute with XXXX, XXXX, and Transunion XXXX XXXX, XXXX for the following items : XXXX XXXX and XXXX. XXXX was formerly known as XXXX XXXX. These items were scheduled to come off my credit reports a few months ago being that they are over XXXX XXXX XXXX ( DoFD was XXXX XXXX, XXXX for XXXX ), however all three credit bureaus stated that they conducted an investigation and the items were verified. The items being verified was not the reason for my dispute, in addition I called both XXXX and XXXX to verify that an investigation was actually conducted and both company representatives stated that they did not verify nor report to the credit bureaus because the accounts are old and due to expire. All XXXX credit bureaus are reporting erroneous information in regards to when the first delinquency was reported except for Transunion, however they did not remove the old item either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Vehicle loan or lease (Loan) with BANK OF THE OZARKS (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: the dates XX/XX/XXXX thru XX/XX/XXXX amounts up to 3000 in interest and extra fees i reached out to the bank of ozarks in regards to a late payment and extra fees. ( there is a time period for payments to be made in a month ) i spoke with the manager and they said for one time they can forgive/waive the late payment. ok i made a payment within the next time period. i get a notice saying i had a past due amount. i call the bank and asked them about the past due amount. they acknowledged an error and said everything would be corrected. 
i then get a 60 day past due notice. with fees and extra interest fees. this was around XX/XX/XXXX. i requested to speak with a manager again and explain the mixup and problem. we also discussed the problem it would cause my credit. they assured me it would be corrected. 
i told the bank i was disappointed with the bad service and accounting errors. i expressed to them that i would like my account to be reviewed, frozen, etc. 
i have tried to communicate with this company many times but the service is bad and their communication is worse. 
i think the company need to get their license revoked. this was by far the worst bank i have done business with.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I would like clarification on the rules governing escrow funds being held and analized by a mortgage company. I recently built a new home. This is my XXXX new home build so I am aware that sometimes the tax assessors office will not have up to date information with the improved value of the home and will only show the land value. In the past I have called the bank after receiving a new escrow analysis in the mail and advised them of this and they would adjust my escrow back up to where it should be. I called this time and they said they could not do it. As someone who used to work at processing foreclosures I saw too many people go into foreclosure because of this very same issue and them not understanding the problem. The mortgage company said they could only take the current tax value assesment due to the RESPA regulations. Is this correct? If so this does not protect consumers in any way. In fact will hurt those who do n't completely understand the escrow portion of their payment.

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 02/22/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (SD).
Issue: Loan modification,collection,foreclosure

Complaint: This is the second time I have tried working with Chase for a loan modification due to financial hardship. In XXXX I had to send repeated requests. They kept telling me my paperwork was expired by the time the finally got around to reviewing it. After a year of doing this, I finally received a letter advising me they had no options for assistance. On XXXX XXXX, XXXX I faxed a request for loan modification once again. I was advised it would take about 5 business days to be reviewed & that Chase had changed their process from the last time I had tried to get a modification. Supposedly the process would be more consumer friendly. On XXXX XXXX, XXXX I contacted Chase because their website did n't show any information regarding my request for loan modification & I also had not been contacted like I was advised I would be. This time I was advised they did n't see anything being reviewed. I advised her of the date I sent the fax & was then advised that she could see the complete application but it had not been reviewed OR opened. I was then advised that I should just resend my request because it would be faster to get it reviewed. I was told that would take 2 days from when it was received versus the XXXX10 days it would take if she forwarded a request. I have very little faith in Chase 's ability to handle or process this request due to the horrible way my previous request was dealt with. They already are off to a bad start if they have information but ca n't bother to review it. While I do understand it 's not their fault my mortgage is past due, I think their lack of proper handling is an issue. No one ever seems to have answers & I never get the same information. Thank you for your time in helping me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have sent Transunion XXXX notarized disputes regarding a bankruptcy that they claim to be mine, ( please note that I have been sending them disputes over the years but I am only submitting these XXXX letter submissions as they are the most genuine in legalese and required law ) They have been avoiding the legal content in these last submissions. I have also attached a letter from the UNITED STATES BANKRUPTCY COURT IN WASHINGTON DC that clearly states " that the court does not provide any personal information to the credit bureau and that the credit bureaus routinely check public dockets. These public dockets do not associate a social security number to the cases if any does exist. Yet the credit bureau will not remove this information that does not belong to me.

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 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (MT).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Received a credit card letter from XXXX Ohio Comenity bank requesting information on credit card. I called and informed them I hav enot opened anything up. XXXX XXXX XXXX. I live in XXXX, Montana. The customer support did nothing. I recalled was informed they did not have me in their system. When I asked why I received a letter with credit card information on it, they denied it. I am worried some one opened up a credit card and I am going to be in trouble for it. The customer service person said they could not find me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (NY).
Issue: Application, originator, mortgage broker

Complaint: I am writing to inform you of the difficulty I have endured by refinancing with XXXX XXXX, who was seized by the Federal govt in XXXX. I refinanced on XXXX XXXX, XXXX with XXXX XXXX. They were shut down in XXXX XXXX by the Federal govt. My mortgage was transferred to Loan Care Servicing in Virginia. I have been asking for a copy of my title insurance since XXXX, which over {$3500.00} was included in my contract. I 've found monetary discrepancies & fallacies in my mortgage contract along with exorbitant charges through having a Forensic Audit done. The mortgage contract claims to be a fixed rate but in actuality is a variable rate. This is supposed to be an FHA loan but I can find no record of it. I 've contacted the Title agency, and the lawyer of record, XXXX XXXX, XXXX. but neither to date has responded to me. I truly believe there was not ever an insurance title, and the charges stated in the mortgage are fraudulent. We have been requesting that the servicer do a restructuring of the loan, especially when my spouse faced hardship in XXXX when he was laid off. A Forbearance was granted for 6 mos, after that, they requested all monies totaling {$15000.00}, they claimed was owed, even though they told us if we met the Forbearance, they would grant a modification. We are not trying to get a free ride but want someone to address what we feel is fraud. We have recently received letters not only from Loan Care, saying they own the Note, but also from XXXX XXXX, who says they own the Note from Loan Care. We have checked our county records and find that many illegal assignments have been recorded in the XXXX XXXX clerks office. Also, new title insurance policies have been issued in the state of Virginia and in the state of XXXX, TX. The loan number has been changed on three occasions throughout the the loan. We 've tried to seek justice by hiring at least XXXX law firms but we were simply taken for a ride and our money. We were reimbursed a portion by the Federal Trade Commission. Now, even though we have recently spoken to XXXX XXXX, who claims they hold the Note, we 've received a Notice of Acquisition from the XXXX Law firm representing Loan Care, saying we are in foreclosure and threaten to hand over the Title ( what title?! ) to HUD, who will in turn hand it over to Loan Care. We pray you will investigate this matter of fraudulent and unscrupulous acts from taking place and preventing these entities from unlawfully seizing our property without legal assignment of Note, Principal disclosed, issuance of our Homeowner 's Title policy in mortgage, and explanation of exorbitant charges in mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Proof is enclosed in the two attachments with this complaint that Experian does not verify information with the creditor and even have any information on file. XXXX has sent yet two more letters requesting information from me and my credit report because they do not have any information on me. Experian has sent back a response previously that they verified the information. It is a Federal Law that the information they put on my credit report is to be verified and not pulled from XXXX 
Experian is in violation of Federal Law and also case law. They are supposed to verify information and if they can not they are to delete the information. I am not going to help XXXX collect data because they have a legal responsibility to report accurate information. They do not have any information on me because the two credit cards that I had with them was over 7 years ago. I want this information and other negative information removed from my file because Experian has NOT been able to verify the information. If this is not done my next recourse is to take Experian to court and maybe I can win a few million dollars as other consumer 's have that were awarded compensation by the courts for Experian 's blatant refusal to remove outdated information and say it was verified. Also, if you share this complaint with others I would like to gather enough consumer 's together for a class-action lawsuit. I am disgusted and fed up with the games and the illegal activities regarding credit reporting!!!!!!!!!!!!! PLEASE SEND THIS COMPLAINT TO THE FTC BECAUSE SOMETHING NEEDS TO BE DONE!!!!!

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: On XX/XX/2014 XXXX XXXX XXXX reported a 30-59 day late defame remark on my credit report. Loan has allways been on time and XXXX failed to provide evidence proof of late on following statement no correspondence has been provided. Via phone, email, or statement incorrect remark please remove.

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 02-09-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX account on my EQUIFAX credit report should have. Been removed it 's been seven years now since I returned the vehicle back to XXXX I returned the vehicle back into XXXX on XXXX 2009 and XXXX is saying I returned the vehicle back in XXXX 2009 if I returned the vehicle back in XXXX 2009 that means I would be XXXX months delinquent so my first delinquency would be in XXXX of 2009 and if I was XXXX months behind on a car lease XXXX would have came and repossessed the car but they did n't or my payment history would show when my last payment to XXXX was made be it do n't because XXXX is not showing any Payments made of my credit report or any payment history on my credit so they are reporting inaccurate information to EQUIFAX on my credit report and this should be deleted because it 's been seven years now since I returned the car back into XXXX or it would be seven years from my first delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit reporting () with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this with Toyota Motor saying account XXXX is a fraudulent account. I was told to fill out a fraudulent package and send it back to them. I did that also. I call around XXXX XXXX 2016 and spoke to XXXX in the Fraud department. He told me that they investigated the information back in XXXX and they found that the item was not fraud. I told him how did they investigated the information back in XXXX and I just turned in all my information showing that my identify was stolen at the mid of XXXX 2016. They refuse to do their due diligence in investigating my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Credit card) with Forster & Garbus LLP (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I used to carried a XXXX credit card from XXXX which I used to purchased couple of watches and some wearing in the XXXX. When I bought my first home XXXX, I charged a freezer, TV, vacuum cleaner and few air conditioners which added my bills up to {$2200.00}. I have been paying this credit card monthly bills since I first charged it up to XXXX without any additional charges. When I lose my house in fore-closure XXXX XXXX and moved into my daughter 's home the same year and could n't afford payments of my personal bills due to six months suspension from work and limited income, XXXX sent my bill to collection agencies that started to harassed me for payment. By XXXX they added new interest and took my below {$1.00}, XXXX bill up to XXXX. This action forced me to make a monthly payment plan for about {$40.00} which I paid up to the end of XXXX at which time they urged me to increase my monthly payment in XXXX or face more charges because my current payment was small. It was at this point I informed the NYS Attorney General 's office about this bill. NYS Attorney General 's office told me, ( if you have been paying this credit card bill since XXXX to current, we believe you have enough on this credit card bills, if the collectors continues to harassed you, gathered their information and forward it to us. ) When I told the collection agency to forward to me the necessary information, they calling me. To my surprise, especially when I have retired effective XXXX/XXXX/XXXX, this new collection agency, ( Forster & Garbus LLP, a XXXX Law Firm, XXXX XXXX XXXX, XXXX, NY XXXX, XXXX. XXXX XXXX XXXX, ) has garnished my retirement checks and received payments of {$300.00} up to current until I pay to them {$3.00}, XXXX. XXXX, thru a court writ that I did n't received or served a copy. My request is that, I believed they have wrongfully garnished my retirement checks, has billed me more than what I ever owed to XXXX, must stop all future garnishment, and they must pay me back every cents received. Thanks. I look forward to hearing from you soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I am an ID theft victim tried to notify the bank. They ignored me closed my accounts horrible service. And never got my pay checks that were direct deposited into the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (PR).
Issue: Unauthorized transactions or other transaction problem

Complaint: Paypal is holding {$10.00} XXXX from my account they said that they can not release the money and I can not close the account for 90 days. they started that is they right to hold it and i can not do anything about.

Company response to consumer: Closed with explanation