milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2017 about Debt collection (Payday loan) with BTH Management (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did received a payday loan from them and I stop paying because of loss of employment, I called and notified XXXX but I do n't think I owe {$570.00} when I was paying on the loan when I connected them I was told it has been placed in collection and to call Plaza Services, I just was verification I owe {$570.00}.

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 02/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NORTHLAND GROUP INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Northland Group , Inc. FAX # ( XXXX ) XXXX Re : account # XXXX Attention to DISPUTE DEPARTMENT Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account Northland Group , Inc. that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX SS # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2017 about Vehicle loan or lease (Loan) with DriveTime (KS).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I have been in contact with XXXX XXXX customer service support agent and requested that we communicate via email. She was given my permission to do so has my cell phone in being serviced. I also requested a modification of my payments for two reasons. 1. the unnecessary add one done by the salesperson at the time of purchase resulting in higher payments $ XXXX vs XXXX. Salesperson XXXX XXXX. And 2 Drivetime advertises modifications on its website so the consumer can keep the car. I proposed the latter and was informed I needed to go elsewhere to refinance. Drivetime advertises modifications am I being treated adversely because I filed a complaint? I am going to make another payment XXXX XXXX. Do I need to contact the Office of Civil Rights because I am being discriminated against? I have no cell phone currently I wish to communicate via email. Why is this so difficult? I have given permission.

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 02-01-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: When refinancing a mortgage for my brother we decided to go with Ocwen. The loan set up officer told us that he had insurance on the loan so if he passed away the mortgage would be paid off. We have a recording of him stating that fact. Two years later my brother passed away. Now they are saying they can not talk to us because they do n't have a record of who the fiduciary is. We have emailed, and faxed the court records numerous times. Every time they say they have not received it. When we call them they put us on hold for an extended period of time and then we are told the person we need to talk to is gone for the day. This has been going on since XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This is a continuation of complaint submitted last year XXXX XX/XX/XXXX XXXX Case No : XXXX. 
Lender is again sending threatening letters that they do not have a copy of my insurance policy when in fact they do have on file per conversation XX/XX/XXXX Letter states that must provide proof of insurance within 10 days. Informed lender again that property is fully insured and there is no HOA policy in effect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The lender Wells Fargo will not work with me to lower my monthly payments, thus driving me to consider defaulting. It is unfair for them to not offer any reasonable options for people like myself who are pursuing a better life in this country. I received an education that did not lead to a career in my field of study as well so i feel college advisor offices were very misleading as well. I feel trapped and there is no way out and have no hope for the future. Wells fargo student loan services is extremely greedy and shady as they are also unable to provide all of the allegedly signed documents after i 've requested them on several occasions. Please help me in resolving this issue and having Wells Fargo lower my monthly amount taking into consideration all of my debt/including federal loans. Their customer service is also terrible and lack empathy. Please help me! I feel trapped and extremely depressed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Medical) with Financial Corporation of America (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a Medicaid recipient who visited the hospital and provided proper insurance information, the hospital never submitted the bill to Medicaid and send me the bill instead. I contacted the hospital again and provided XXXX more time my insurance information however according to the Medicaid office they never submitted any bills on my behalf. Today I received a bill from a collection agency who is refusing to provide me with information regarding my bill and proof that the hospital submitted the bill to Medicaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Unsolicited issuance of credit card

Complaint: I book hotel reservation on XXXX. On name your price after I disputed with about the location and star level got no where so I filed a dispute with my credit card company. The next day price canceled my reservation with hotel. So I called check XXXX my reservation was cancel on XXXX/XXXX/15 for {$2900.00}. So I booked a new reservation after they cancel the first one. That also with XXXX {$3100.00} now they say I no refundable yet they cancel the hotel and keeping my money. What can I do now.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Using a debit or ATM card

Complaint: On XXXX, XXXX XXXX, 2015, I was reviewing my Suntrust checking account online and noticed a pending XXXX charge in the amount of {$560.00}. I immediately contacted the Suntrust Fraud Department to dispute the charge. On XXXX, XXXX XXXX, 2015, I went into a branch and completed paperwork to stop payment on the charge. The paperwork was processed and the {$36.00} stop-payment fee was drafted from my account. The {$560.00} charge was still in pending status therefore the funds had not been issued to XXXX. However, Suntrust allowed XXXX to draft the funds from my account. I submitted the required form to the Fraud department disputing the charge on XXXX XXXX, 2015, which I can fax to you if needed. Days later, I received the attached letter advising me the charges were valid. I asked Suntrust to provide me with the documentation they used to make their determination on XXXX separate occasions. They have not provided it. I do not have an account with XXXX nor have I had a contract with them. I want the {$560.00} returned to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: I have an escrow account on my mortgage and requested my property tax to be paid before XX/XX/2017. Wellsfargo agreed and sent the payment late. I paid amount of {$5300.00} since the payment was not received in timely manner. XXXX XXXX County refunded Wellsfaro the amount of {$5300.00}. There have been 3 different people assigned to my case up to this date and I have not received the amount that I advanced myself.

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 12/15/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: original account number was charged in a Chapter XXXX bankruptcy in XXXX XXXX # XXXX, then again in XXXX XXXX # XXXX. Because it gets sold and put back on. Since I have had it removed from my XXXX credit report and working on the other XXXX agencies, now the debt collector has decided to contact me, and say I owe the money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX 2017 applied for a car loan. Was denied credit based on report from XXXX XXXX giving low credit score when all other companies show over 800. Unable to contact via phone and website states only way to obtain report is to mail in numerous personal documents. No clear explanation as to why credit score is reported low by XXXX vs other companies. Reason listed is " trades too low ''?

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 08/27/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (MI).
Issue: Using a debit or ATM card

Complaint: I went to 4 different Chase bank locations and none of them have the XXXX logos posted on their ATM machines and no network logos were presented on screen.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: DIVERSIFIELD CONSULTANTS INC HAVE VIOLATED FCRA RIGHTS. 
They have reported to XXXX XXXX on XXXX XXXX, 2015 on an collect account as a new account. First of all, this account was originated over 5 years ago and was included in a Chapter XXXX BK. second of all, they never advised me of the new reporting. It is very illegal for any company and a clear violation of my FCRA rights to report to any credit bureau on an old account as a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with U.S. BANCORP (CO).
Issue: Transaction issue

Complaint: I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. After I followed an online link to make money at home by entering produce reviews I was inundated with unsolicited telemarketing phone calls from companies offering an online at home business. XXXX XXXX XXXX XXXX XXXX XXXX was XXXX of them. They contacted me initially on XXXX/XXXX/2016 and they charged me {$4500.00} I paid them on my US Bank credit card. I was convinced ( badgered into ) this website development. I was told that I would with the in three weeks have a fantastic website that would be fully automated to process customer orders without me having to be involved in the daily activities of the website. Products would be loaded including prices and pictures and kept up to date. I was to have an introductory movie, electronic business card, social media connections, funnel page to capture customer information and emails, complete order processing including credit cards and XXXX accounts, and order fulfillment ( order processing, shipments, customer email of order confirmation and tracking information ). As of today nothing is complete. I have worked with XXXX to get the website functioning as intended, to remove the duplicate items, and accept credit cards payments until recently. My last attempt to work with the website had proved that I could not enter an order and therefore I have no idea how I could make any money with a non functional website. I sent letters, emails to request my refund and they ignored my requests. 
These are all the contacts I have for XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Requested debt validation for account listed on report, I noticed that it's not 100 percent accurate regarding pay history, under the fcra sec 623 all data reporting must be accurate, complete and verifiable. The creditor and Experian have not provided verifiable proof on file used to validate the accuracy of all data reporting which is required by law upon request.

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 04/21/2017 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Using a debit or ATM card

Complaint: I went to a  PNC  atm machine outside of the PNC bank  XXXX   XXXX   XXXX , PA. On   XXXX   XXXX  2017   , approx.  XXXX  I withdrew {$180.00} at this time all the bills came out " mushed ''. I was able to remove {$140.00} of the {$180.00}. At this point the ATM rebooted I withdrew {$1.00} in hopes of pushing the other {$40.00} out, but only the {$1.00} came out. I called PNC, then went to the branch where it happened and notified them. At this point the branch manager told me even though the atm is a PNC ATM and apart of the branch building, they ( the branch ) does not operate the ATM. They filed a dispute and credited me the {$40.00}. On   XXXX   17  I received a letter from PNC declining my dispute. I returned to the branch where the incident happened and spoke to the branch manager, who said the most they could do was file another complaint. At this point I said " There is no guarantee of my money when using their brand ATM. '' The branch manager responded, that was correct. I then asked for the phone numbers for the FDIC, and CFPB. She refused to provide those numbers. My concern is that no consumers money is safe at PNC, and as well as my own specific incident.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Experian has switched my social security number with my deceased husbands number. He has been deceased for almost 17 years. I was denied credit recently because of this. This has not been an issue until recently. I have been trying to get this corrected with them but I have been getting a different answer every time I call. The last call I was told that it is against the law for them to change the ss number without proof but they did not have any proof when they changed it to the incorrect number. I uploaded a copy of my SS card twice, the first time they said they could not read it and then I was told they never received anything. I have now sent everything registered mail with signature required. I am being told it should be corrected within 3-5 business days after the receive it.
I have an excellent credit score and I am being denied credit because Experian has for some unexplained reason changed my social security number. This should never have happened and I am having to jump through hoops to prove their mistake. 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 non-monetary relief
Consumer complaint received 10/14/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company called Municipal Services Bureau has repeatedly, abusively and excessively called my home telephone number and stated that it is important and urgent to call them back to discuss a debt ( they did not specify ) I owed that I know nothing about. I called the number back and the lady on the other end ( did not state her name ) said somebody will call back and discuss and was very vague. I told her to please not call my phone number again because she was harrassing me. They have been calling at least 15 times a day and leaving unwanted messages on my voicemail.phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Federal student loan debt) with EdFinancial Services (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I pulled a copy of my credit report and noticed that Ed Financial is reporting that I have 60 late payments with them in which I disputed this with the credit bureaus and received information stating that what 's reporting was accurate. So I send in my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part ; DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating their immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (CA).
Issue: Credit decision / Underwriting

Complaint: 1. Did not receive notice of the sale of loan to XXXX, from XXXX XXXX. 
2. Original Loan agreement did not stay in tacked when my loan was sold to XXXX. 
3. My loan changed to also include tax and insurance, which was not part of my original loan agreement. 
4. Incurred late fees due to the above 3 issues. 
5. XXXX sold my loan to Seneca. 
6. Paid to the incurred late fees, because I was unable to get them to honor my original loan. 
7. They said my loan was modified by XXXX XXXX, which I did not. 
8. Could not get the modified documents from XXXX. 
9. Even though I paid the incurred late fees, I 'm being bill a Corporate Advance Balance Fee, which never gets paid down. 
10. Seneca has of today has not given me itemized detail of the Corporate Advance Balance Fees. 
11. Because of the above I can not get my loan refinanced. 
12 Each time have called they say they will research and get back to me or send me the information, but I do not get a call back or the information I requested. And the info they do send does not make sense. 
I have been unable to attain or find a lawyer that understands this situation or even knows what the Corporate Advance Balance, response have heard of it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: TD BANK CONTINUALLY APPLIES AND HOLDS FUNDS IN A WAY AS TO MAXIMIZE THEIR BANKING FEES. THEY PUT A HOLD ON MONEY AFTER THEY INDICATE IT ISNT BEING HELD THEN IF YOU USE THE FUNDS THINKING THEY ARENT BEING HELD THEY CHARGE YOU OVER DRAFT FEES. THEY WITHDRAW THE MONEY FOR A CHECK PRESENTED THEN DECIDE THERE ARE NOT ENOUGH FUNDS TO COVER THE CHECK SO THEY RETURN IT BUT DO NOT CREDIT THE FUNDS TO THE ACCOUNT UNTIL THE NEXT DAY. THIS AGAIN CAUSES THE ACCOUNT TO BE OVERDRAWN WHEN IN FACT IT WASNT BECAUSE THEY RETURNED THE CHECK

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX XXXX acct no XXXX and XXXX are duplicates of each other and are on my XXXX and XXXX credit bureaus and are removed from XXXX.the hospital bill from XXXX XXXX, the original creditor is not proper as I was in XXXX XXXX at time of service.I was brought by police for a XXXX XXXX XXXX so any consent on my part was against my will/under duress as I had refused the XXXX XXXX.I would like this collection removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation