milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2018 about Debt collection (Auto debt) with BANK OF THE WEST (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: During the loan origination process I requested the due date to be XXXX of each month. The loan documents were drawn and the date was set for the XXXX, however I was assured the due date would be changed. The date was not changed and starting on the XXXX of every month I receive numerous calls about being past due. I have requested the date be changed as promised but have been told the account is past due therefore it can't be completed. This is just a method to be able to access a late fee in the amount of XXXX. I want the due date change as promised and all late fees waived.

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 02/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received several calls in the past XXXX weeks from a debt collection company call Diversified Consultants Inc. XXXX XXXX. I was contacted concerning a {$340.00} debt in XX/XX/XXXX with XXXX. I was told that the debt was given to Diversified Consultants Inc. by XXXX ( another debt collections agency ) on XX/XX/XXXX. I was also told " XXXX did n't have a phone number to XXXX but I can XXXX them ''. XXXX of the people I talked with at Diversified Consultant XXXX was XXXX. XXXX demanded that I either " pay my debt or dispute it ''. I explained several times to XXXX that I already disputed the bill and it was removed from my credit a few years ago because in XX/XX/XXXX XXXX was charging their bills in advance without notifying us as customers. I requested that I be transferred XXXX to ensure this wo n't be an issues going forward since its been 11 years but, was refused my request. I did google XXXX and found their phone number XXXX. I talked to an operator who then transferred me to someone in " consumer credit '' named XXXX. XXXX did n't know how to help me either and ended transferring me back to Diversified without any solution to my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Consumer Loan (Installment loan) with FIRST HERITAGE CREDIT LLC (LA).
Issue: Problems when you are unable to pay

Complaint: I ran into hard times and kept in contact with the lender. Every other phone call they were threatening to sue. When I spoke with them two weeks ago I told them I would pay this week. However they could n't wait and I received the papers they were suing me last Friday ( XXXX ). Even after serving me, they continued to call and I spoke with a representative that same day and she never referenced the fact that they were suing me. I find it repulsive that they would do this to a loyal customer who has had three loans with the company. One of them has been paid off, one has a balance of less than {$500.00} ( for which they are suing me ) and another one that I 'm working hard to bring current. 

Yesterday ( Monday ) I was informed by a neighbor that she was contacted by XXXX at First Heritage and was told to give me the message that she was trying to contact me. The law says that they can only contact other people when they believe I have relocated and/or they ca n't find me - and they are only allowed to do it once. Needless to say that is NOT the case since I spoke with them Friday and the fact that they left a message with my neighbor further violates the law. This is the 2nd time they have done this. The first time XXXX called my neighbor less than a week after I had spoken to someone in their office. 

They are also texting me - something else I do n't understand since I speak to them at least once a week. I never gave them permission to text me and I no one in their office has stepped up to pay the rates associated with such texts. No, I do n't talk to them daily because all they do is threaten me and continue to ask for what I do n't have. I was working with their office and keeping the accounts no more than two months behind. I was told by their rep XXXX that I should pay on the secured account the last time I paid and that I could pay the loan account the next time. All that did was manipulate me into being three months behind on one of the accounts so they could then sue me. 

This is harassment and it 's invasive and embarrassing. There was no reason for them to ( 1 ) sue me and ( 2 ) contact my neighbor and leave a message with her regarding MY loan. This has got to stop!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX and transunion have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the XXXX breach destroy my credit

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: XXXX, Equifax and XXXX  all are reporting that I paid my XXXX XXXX mortgage late. I did a Home Modification with XXXX XXXX. I even have a letter from XXXX XXXX that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. XXXX XXXX stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late! 

There's also two XXXX XXXX XXXX accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by XXXX XXXX but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I, have a XXXX credit line with Citi-Bank, secured against our home that we took 10 years ago. 
As part of the government loan modification program, we applied to the bank, three different times, to help us to modify our loan, so as that our " under-water '' home payments get reduced, stretched or otherwise modified so as to help us to pay them - going forward. 
The Bank took between XXXX months each time, switching us in between a dozen persons, duplicating their questions, repeating time and again - same information, while waiting weeks in between each time. 
THeir handling was such, where each stage did the same again and when they finally were done - they submitted it to their underwriting section, which redid same again. 
In fact - where their left hand did n't know what their right hand was doing. SInce Citibank is known to be a large powerful and well served bank - the only conclusion is that they tried to delay and push the applicant - until they gave up. 
Well, we did n't give up and after persevering their attrition war on us - they denied us, using very vague, limited information, language. 
Each time I called and communicated, I was refused any further information. 
I insisted that they are operating under government programs and as such, I am entitled for their written breakdown of the reason for their denial - but they refused to cooperate. 
SInce all of this took time - i was forced to start the process again and again - thus it taking two years and more - without any positive outlook. 
Now, that my wife is not going to work next year, they refuse to work out our numbers under such - until it happens, even though she was terminated, so that we 'll have to start it all over again - taking another XXXX months and again - yielding no better results. 
This is not right and we want to ask the CFPB to interfere and ensure that the bank does ALL that it is supposed to do. Thank you XXXX and XXXX XXXX XXXX XXXX account 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 03/24/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: RoundPoint Servicing employs fear mongering to trick customers to sign up for there electric statements. Lying about statement content in the process. 

XXXX/XXXX/XXXX and XXXX/XXXX/XXXX : RoundPoint Servicing sent out a mass email and letter in which the company warned customers that full social security numbers are sent on all mailed year-end statement, and that account holders should protect themselves by signing up for online only statement. 

Direct quote from email below : " ENROLL TO PROTECT YOUR IDENTITY Did you know your full social security number is included on your year-end statement? 
Sign up to access your statement electronically to reduce the risk of fraud and identity theft that comes with receiving paper statements. '' Had this been true Roundpoint would have been literally advertising to the public where every RoundPoint 's customers social security number can be stolen from. They should be better stewards of there customers private information. There is no reason to send out any mass email that states where sensitive or confidential customer will be located and when it would be sent out. 

I digress, I did not immediately notice the email but later in the month when I received the mailed letter I become worried and signed up for the online statements. AFTER signing up for online statement Roundpoint informed me that my submission was too late and would go to into effect until next year ( XXXX ). After I signed up I was informed I could not go back to paper statements. 

When i received my year-end statement in XXXX XXXX my full social security number was NOT included. Instead only XXXX followed by the last XXXX of my social. 

RoundPoint was clearly employing fear mongering tactics to trick customers into signing up for there electric statements. Had the company honestly stated that only the last XXXX of my social would be included on year-end statement, I would not have signed up for electronic statements.

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 03/29/2016 about Payday loan () with WLCC (UT).
Issue: Charged fees or interest I didn't expect

Complaint: XXXX XXXX keeps calling me about my loan with Arrow head loans, In XXXX I went with progressive debit relief to pay them off and Arrow head is not to call me any more and I am still getting calls from Arrow Head XXXX XXXX, now he has some guy calling from XXXX to my family telling them they are sueing me for check fraud. When I called the number they refused to talk with me. They have both been told to call XXXX at XXXX to handle the matter and they refuse ..It is out of control.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is reporting on report XXXX account is reporting wrong date of first delinquency. XXXX account was sold/transferred XXXX times. Date of first delinquency for XXXX account, original date is XX/XX/XXXX not XX/XX/XXXX. I have disputed several times and sent documents for support.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Can't contact lender

Complaint: I was trying to log into my account to see what my balance is because I received a letter from a third party collection agency but have yet to receive any billing notification from Cash Central. When I was finally able to get in touch with the company they gave me a phone number to a company that does not even exist.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have XXXX minor dependents and I have desperately attempted to complete a HAFA short sale with Wells Fargo. My loan was originated by XXXX XXXX. It was a Pick-a-Pay interest only loan. The payments escalated higher than the market rate. I lost my job and experienced a series of hardships. I was denied a loan modification and have requested a HAFA short sale so that I can relocate with my children. I have been forced into bankruptcy because the legal track has not halted or slowed down while waiting for an answer. I was told the Texas office had to handle this matter because of XXXX and this could not be uploaded in the XXXX system. I have yet to receive the approval needed and the new school year is beginning. I have a viable cash buyer and I have performed every pre-requisite needed to fulfill the criteria of a HAFA short sale. This has been my only homestead for the last XXXX years and I would like to resolve this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (WV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Four weeks ago i called Diversified Consultants Inc informing them that I 've never lived or ever had a mailinig address in XXXX, WV where they supposedly mailed their correspondence concerning an alleged debt i owe XXXX XXXX. During that call I gave them my address that i have had for five years requesting a debt validation letter to determine whether or not I owe this debt. As of today i have not received any correspondence from Diversified Consultants Inc at my current mailing address and I am asking you to intervene on my behalf and protect my legal rights in this matter and persuade Diversified Consultants Inc to mail the debt validation to my current address so I can determine if that debt is valid. Diversified Consultants Inc also illegally re-aged the alleged account on my credit reports and I want the account removed ASAP. I have been a lifelong resident of XXXX XXXX, XXXX XXXX, West Virginia and I was informed by Diversified Consultants Inc during that call they sent correspondences to XXXX, XXXX XXXX, West Virginia, a town that I have never lived at nor had a mailing address.My address which i 've had for over five years is as follows. XXXX XXXX, XXXX. XXXX XXXX, XXXX, WV XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I have contacted Experian, XXXX and XXXX on several occassion twice in XXXX 2017 unsure of the dates but I also sent out certified mailings to each crediting reporting agency on XX/XX/17 also again on XX/XX/17 via regular mail concerning several bankruptcies on my credit report .. Case numbers.XXXX Case number XXXX and case number XXXX ( see attached ). I also sent emails to the CEO of each reporting agency, in which they had a regular rep call me in their stating to tell me that the items were verfied.. On XX/XX/17 I received and email from XXXX Execective office wanting to know a time to call me. I advise I would on talk thrug email but they refuse to email back, but a rep named XXXX called me later that day and stated that the items were verified when I asked her for proof she told me to call the courts, that she did n't have any verfiying information also on today a rep from Experian by the name of XXXX called me from telephone number XXXX and also say that the items were verfied I aske how and he said throug a third party I asked whou he then said there are several so After I 've explain to each them that I 've spoken to XXXX at telephone number XXXX with the Missouri Bankrupcy courts and she was unable to find any records that I had filed bankrupcy on my file because I never have. I also called the XXXX XXXX the attorney that I inquired about the information and he stated that he never released nor verfied any information to anyone not even a third party. Because of a previous idenity theft all of my accounts and third party account XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX therefore my personal information can NEVER BE VERFIED. This information is damaging my ability to purchase a home and my credit worthiness. These reps are wanting me to suboenia inaccurate information that affect my life as well as the livelyhood of my children.

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 11/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted Diversified Consultant In a few weeks ago about account that showed up on my credit profile. I explained to them that the account was not mine based off the last XXXX digits of the social security number. I disputed this account with the credit reporting agencies and I am getting no where with them. I write this company a letter and contacted them via phone on XX/XX/2016 to try to get assistance and they said I need to contact the creditor if I had a dispute. They are the ones reporting and they refuse to correct the issue. I am at wits end and I do n't know what to do besides file this report to get assistance. They are not following rules and guidelines of Federal Crediting Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I contacted Discover on XX/XX/XXXX about an issue that I am having with XXXX XXXX. XXXX added a chargeback charge to my account that I need more information on. XXXX claims that they refunded my Discover account for a charge in XX/XX/XXXX. However, I believe that this was reversed and I did pay that amount from that transaction. I need proof from Discover that either backs up that XXXX applied the credit to my account or documentation that states that they never provided a credit to my account. 
I informed Discover that I need this information in writing. Discover was unwilling to handle this issue in writing. I gave them my emails, I used the Discover Secure Message Center, and they also have my physical address to send written corespondents. Discover is unwilling to handle this issue in writing, but it is essential that it is handled in writing so that there is documentation that I can use if to convey the finding to XXXX. Please answer the questions. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WV).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I filed a complaint with the CFPB against Navient and they responded that they would stop the harassment calls. These call have not stopped and they are still continuing to call the co-borrower up to 30 times a day harassing him. These calls need to be stopped immediately, as he has even asked them not to call numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: hello my name is XXXX XXXX and I want to file a complaint against Navient/XXXX they called me offering a program to defer my loans and they kept making me pay fees to get into this loan deferment program they were taking money out of my Bank account but never put me into the deferment program I also would like to file a complaint against the school which help me get the loan and it was called XXXX XXXX of design and technology which they are no longer operating anymore thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never received any letters in the mail or received any telephone calls from XXXX XXXX XXXX concerning this matter. I was not aware of this collection until Saturday, XXXX XXXX, 2016, when I got the collection letter in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Medical debt) with Stallings Financial Group, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been contacted on my cell phone from phone XXXX XXXX XXXX XXXX on Monday XXXX the XXXX and on Wednesday XXXX the XXXX, the person who called asked me to tell him my XXXX and my birthday. he wanted to know my home address. I told him excuse me whom I am speaking to and he claimed to be speaking regarding a medical bill to collect that for a physician office visit. That looked so odd to me since I did not receive any medical bills on my address nor phone calls regarding medical bills to be paid. I told him send me itemized bills and will try to arrange payments after that if those are correct. he tried to give me discounts up to XXXX $ on phone to collect money by any means!! .. He called me twice after that and I blocked his number. 
Yesterday I received a mailed letter from ( STALLINGS FINANCIAL GROUP INC. ) asking for {$740.00} to be paid to them in 10 days or else? and the language seems abusive and threatening. 
I contacted the hospital for confirmation of bills and to check for any pending balances. 
the online account of the company is not a real one and they do not have physical address they only hold a P.O. BOX NUMBER. 

thank you Yours XXXX XXXX.

Company response to consumer: Closed with explanation