milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/XXXX, I had a billing dispute with XXXX so I decided to change carriers, ( XXXX XXXX XXXX ). I communicated via email with a manager of some kind who appeared sympathetic. Nonetheless, my account went into collections. The collection agency that handled my account collected about {$330.00} from me. From this point on, I thought the debt was satisfied. 2 years later, XXXX or the collection agency " Diversified Consultants '' is still listed on my credit report as a collection item. I called the collection agency and was informed by a representative that most items take 45 days to be removed from a credit report. This obviously did n't happen. I requested proof of payment from the collector and they agreed to send documentation. I called XXXX 's Finance department who informed me that I still owed {$230.00}. So, for 2 years I was responsible for a debt I never knew existed. XXXX said contact the debt collector. The debt collector said the account was paid and closed. So, for the sake of peace I paid this unknown, due balance on XXXX/XXXX/XXXX and asked for physical proof of payment. The representative said that they only provided confirmation numbers. Considering the discrepancy in information received and the negative impact this has had on my credit report, I need physical documentation that both confirms the debt was satisfied and that the item has been removed from my credit report. Had I not did my due diligence, this " ghost debt '' would 've remained.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
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: There have now been three attempts to validate XXXX account on my credit file. They conducted an investigation in XX/XX/2018, but their investigation conflicts with XXXX   investigation who also conducted an investigation at the same time. I don't even know if this account is even mine and Transunion and XXXX have failed to validate the account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 11/14/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: I recently closed my Citi Premier credit card approximately 2.5 months ago and was never informed by the company that they would remove the Thank You Points in my account despite the fact that I have other credit cards with Citi that earn Thank You Points. I contacted Citi within a week of losing my points but Citi refuses to reactive the points. They refuse to allow me to speak with someone who makes these decisions and have provided no reason as to why they 've denied my 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 non-monetary relief
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (HI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, 2017 I began the purchase of a used car from XXXX XXXX XXXX in XXXX, Hawaii. The purchase price was {$42000.00}. I planned to make a {$25000.00} payment leaving {$17000.00} to be financed. XXXX XXXX contacted XXXX XXXX among others to arrange the financing. We ultimately financed through XXXX XXXX. Subsequent to the purchase I received a letter ( copy  attached ) from XXXX stating they declined to finance the balance owed. They stated as a reason that a company called SageStream only gave me a FICO score of XXXX. That number is not valid My current FICO score from XXXX XXXX XXXX, which uses data directly from XXXX, is XXXX. I have never heard of XXXX as a company dealing in FICO scores and am not sure why anyone would use their service. They can only be contacted via email and require hard copy documentation of an individual 's Social Security number, birth certificate, and driver 's license.I am not about to provide that critical information to a company, which I 've never heard of, just to contact them for resolution. I do not believe XXXX is providing accurate information to potential lenders and they need to be put on notice that damaging someone 's credit or misrepresenting their credit score can have serious consequences. Since I was able to complete my transaction without any adverse consequences, I will not be contacting my attorney. However, if this company ever again misrepresents my credit profile, I will seek legal redress. I think CFPB needs to be aware of this company. They need to be reviewed as to their business practices.

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 11-03-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Scottrade refuses to remove known-to-be-fraudulent information submitted to my IRS file. 
I would like Scottrade to remove the fraudulent information submitted to the IRS file. Everything on or after XXXX XXXX, 2013, should be removed. Scottrade is in possession of a police report that supports this request. 

Please see the attached.

Company response to consumer: Closed
Consumer complaint received 10/27/2015 about Debt collection (Medical) with Revenue Recovery Bureau (Closed) (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Provider Recovery Network has contacted me to collect an outstanding debt for about {$11000.00}. On Friday XXXX XXXX, after repeated negotiations, they called and agreed to settle for {$5.00}. However, they are refusing to put their offer in writing. I have pleaded with them several times to no effect. They seem to be very adamant about their position, and refuse to explain their reasoning. Repeatedly I am being told that they can only offer a receipt for the {$5500.00} after the money is received. My fear is that they are being deceptive and will demand more money after receiving the settlement amount. 

In addition, it appears that they are in violation of the law. According to US Code, Title 15, Chapter 41, Subchapter V, 1692e : '' A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representations of:2 ( a ) The character, amount, or legal status of any debt. 
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

It is my understanding that by not committing to their settlement offer in written form, they are clearly misleading me and have a false and deceptive representation of my debt. Verbally they are saying I owe {$5500.00} ; however, the actual statement is over {$11000.00}. Again, my fear is that after receiving the initial settlement offer of {$5500.00} they will use this money as leverage and will demand more.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (Other debt) with First Credit Services Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received an alert this morning that a collection was added to my report. I've never heard of this company before. Never received any correspondence or calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have a dispute with Equifax about  XXXX   XXXX   XXXX   XXXX  about # account number  XXXX  with myself not being knowledgeable of opening an account with this agency. I have written Equifax and ask them to prove to me that I had an account with  XXXX   XXXX   XXXX  and to show me some type of documentation of proof that I owe this company any monies and so far iIdid not receive any documentation of proof that I owe   XXXX   XXXX   I am asking that Equifax either show me any type of Documentation proof that this is my original creditor and that I had an account with them if not I want this account REMOVED from my  XXXX  CREDIT REPORT as soon as possible. I do not think it is fair for myself to keep requesting proof from   XXXX   and they keep claiming that this account had been verified with no documentation to prove it that i had an account with  XXXX   XXXX   XXXX  agency as the account original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America closed all of my accounts in XX/XX/XXXX. I had been a customer of BofA since XX/XX/XXXX, and they closed all of my accounts without an explanation. I had a balance of Preferred Rewards points worth {$1700.00} that I was not able to redeem. I would like my Preferred Rewards that I earned to be returned to me in the form of a cash payment. I would also like to be able to open a BofA checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan servicing will not disburse condo fees from escrow

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Billing statement

Complaint: I recently renewed a XXXX XXXX Credit Card. On the public website it explicitly states the payment terms are XXXX XXXX. This is not in compliance with the XXXX days which are required to let the consumer pay their bills. I believe a reasonable person would look at this and ascertain this is a continuing violation of the CARD Act of 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Despite the required advance notice required by law for credit card companies to close accounts, My Credit Cards were closed without any notice, reason, justification, or detailed explanation. A week or so after the accounts were closed I received letters stating the accounts would be closed due to inappropriate behavior. I inquired as to what this behavior was, as they had n't really been used in a while, and the only real thing I 'd done recently was file a complaint with the cfpb exercising my rights as one of my affected accounts USAA violated my consumer rights by placing a bunch of " transfer adjustments '' on one of my cards, with no warning, explanation or reason. When I inquired, I was told they reversed a billing dispute which had been finalized a year prior. Despite writing and telling me the billing dispute was found in my favor and final they still recharged me against the consumer laws, with no warning or explanation. They ignored my requests for documentation, yet have yet to even reaceive my monthly statemtn in months. As a result of filing a complaint, all of my credit cards were then closed without my knowledge. Only after they were closed did USAA send me anything telling me they were closed. However, they failed to provide a detailed explanation despite my repeated requests. Stating it was due to improper behavior, yet unable to comment or specify what this behavior was for each affected account.One of which had not been used in years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Mortgage (Conventional home mortgage) with FIRST GUARANTY MORTGAGE CORP (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Company name is goodmortgage.com I applied to them for a refi conventional mortgage on XXXX/XXXX/XXXX sent all forms request and got approved 3 to 5 days later Appraiser came out and report was sent 2 weeks later. <P/>They never used our title company and went with there 's It is XXXX/XXXX/XXXX and we have not hear anything from lender or underwriter we paid for appraiser and app but nothing is happening we just signed a closing doc last week and now its sitting pending review of the appraiser report again. we should have closed weeks ago.

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 Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was to XXXX XXXX and we had paid the bill. This XXXX called and demanded that I pay them that XXXX did n't have my account now. Continued pressuring me. I asked for them to send a bill for conformation and she refused. I told her she needed to contact their client and she said that I had to prove I paid it. Very rude and disrespectful. I want all communication to cease and ALL derogatory info off my CR. I am seeking an attorney to file a law suite in TN for their unlawful collection attempt. Several of the laws have been broken for TN collection services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: could not get reports

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 04/19/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I currently have a mortgage with   Ditech.
Ditech   is directed to escrow funds for Taxes and insurance that come out of my monthly installment. My ending balance in escrow at the end of  XXXX  was {$420.00} after paying my taxes of {$2100.00}. However Ditech said they received a second invoice from the municipality for taxes and paid them again in the amount of {$2200.00}. In this case my escrow was in a negative balance and  Ditech to o the liberty of charging me on my escrow account showing I had a negative balance. The taxes have been paid in full with  Ditech se cond payment a nd Ditech was  issued a payment back from their tax department on   XXXX   XXXX   XXXX     in the amount of the first check of {$2100.00}. However my escrow account has NOT been credited. I have been paying interest on money they stole from me. I have been trying to get a payoff since    XXXX   XXXX   XXXX      and no one is helping me. I fee l Ditech is us ing my money. Fraudulently added {$2200.00} onto my account without my permission and I have been being charged o interest while they are using my money. I have also been paying interest on my balance of the loan because I can NOT get an accurate payoff statement. Please help me resolve this fraud! How many times do most people ever review their escrow account and get taken ... I can assure you if the tables were turned I would get penalties, interest and a bad credit rating.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Payday loan, title loan, or personal loan (Payday loan) with GVA Holdings, LLC (IL).
Issue: Charged fees or interest you didn't expect

Complaint: On XXXX XXXX, I was given a payday loan from north star finance llc/north cash for XXXX dollars.. In my state of XXXX XXXX loan lender has to be licensed with the Illinois department of XXXX to give payday loans but this company is not licensed in the state of Illinois to give XXXX payday loans therefore making this loan illegal under Illinois XXXX XXXX XXXX XXXX XXXX of the payday loan reform act ... XXXX XXXX XXXX charged XXXX annual XXXX on the loan which is in violation of section XXXX of the Illinois payday loan reform act which XXXX loans can not charge more than XXXX per XXXX dollars loaned as interest.. as of today 's date I have paid XXXX dollars on this illegal unenforceable loan in the state of Illinois per the XXXX XXXX XXXX XXXX XXXX XXXX XXXX which states this company has no right to collect, receive and principal, interest or charges related to this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been aggressively paying off my $ 200k+ in law school loans in order to minimize my overall interest and payment term. I 've made several bulk payments and set an autopay of {$2500.00} -- substantially higher than the minimum payment. When I went on XXXX in XXXX, Navient unilaterally lowered my autopay. At first by more {$400.00} ( XXXX-XXXX ), then by more than {$700.00} ( XXXX ), then by {$1900.00} ( XXXX )! The auto pay for next month was down from the original {$2500.00} to {$620.00}. When I asked why it changed no explanation was offered. They referred me to a " updated payment terms '' document. The effect of lowering my autopay was to lengthen my payment period ( thus erasing the advantage I gained by making payments ahead of schedule ) and keep me paying interest for longer. When I called, they put my autopay back to the original amount, but can not guarantee that they wo n't unilaterally adjust it -- thus lengthening my repayment term -- in the future. 

I am attaching : the document showing my autopay at {$2500.00}. 2. The document showing Navient unilaterally lowering my payment in order to lengthen my loan term. 3 A screenshot showing autopay ( and one bulk payment ) dropping down in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (Payday loan) with Alliant Capital Management LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call on my work cell phone at XXXX on XXXX/XXXX/16 from an Oregon XXXX XXXX. A voicemail was left from a female named XXXX XXXX stating that she was following up " on a potential claim that was in her office '' At no point did she identify the company she was calling from. I called the number back and was greeted with " hello '' I stated that I just received a call and was immediately transferred to XXXX. Again, at no point in time did XXXX identify the company she was calling from. After discussing a debt from American Web Loan, I stated that I would be willing to discuss a settlement offer. At this point I was transferred to XXXX XXXX in the " settlement department ''. At this point, XXXX proceeded to discuss a settlement offer. When I refused the offer and attempted to negotiate, XXXX stated that I had no grounds to negotiate and proceeded to tell me that they would be contacted my employer for garnishment and pursuing judgement against me. As I attempted to inquire further, XXXX stated that 's all I need from you and hung up while I was still speaking. I called the number back and spoke to a male that answered the phone. I asked for the name of the company and the names of the XXXX individuals I had just spoken with. The male called me by my full name as soon as he answered the phone. He did state the name of the company as Alliant Capital Management Services. He refused to give the names of the XXXX women I had just spoken with stating that he could only see extension numbers on his end. I then had to question if all employees shared the same extension numbers or they were assigned. He still refused to give me the names of the individuals I had spoken with. I have received a previous call form this aggressive collection agency in XXXX 2016. At that time I updated my contact information to include my cell phone, work cell phone, and address. In XXXX I did request a written invoice of all charges and interest that this company was trying to collect. I did not receive anything in the mail. I have not received any written request concerning this debt in over 12 months. I will be sending a cease and desist letter to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA).
Issue: Fraud or scam

Complaint: Paid this XXXX for assistance to help with business credit and she never provided the service that was included in her invoice. She received my money and then stop responding to all calls, emails and text messages from me. I found out later that she is a fraud and uses fake ID and names so people will not find her. She also makes fake XXXX and a list of other fraudulent things. The number she uses is XXXX ; email addresses : XXXX & XXXX ; business address:XXXX , NV XXXX ; company name : XXXX or XXXX ; home address : XXXX , NV XXXX and Other names : XXXX .

Company response to consumer: Closed with explanation