milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Direct Recovery Services, LLC (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX/XXXX/16, I received a call from Direct Recovery Service in reference to a debt. In addition to my phone call my mother received a call and someone that does not have any information about the loan nor was named as references on the loan was contacted. I immediately contacted DRS and asked who else they contacted. The gentleman told me the same thing happened to him. I again asked who else he contacted and he said he did not have that information, he only autodials. I then asked which numbers he had, which were my daughter 's and my mother 's. I continued to press the gentleman for more details on the numbers he called in reference to my debt, yet he continued to say he can not find the numbers he called. I finally got the number for his parent company and confirmed the validity of the debt. My complaint is that DRS has obtained phone numbers and communicated to the third party that do not have a need to know of the debt in question. I am not denying that a debt is owed ; however, I believe DRS actions are not consistent with the Fair Debt Collection Practices Act.

Company response to consumer: Closed
Consumer complaint received 08/22/2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Closing on a mortgage

Complaint: 1 ) This complaint is regards to the Complainant 's property in the address of XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX wherein Bank of America has made the Complainant sign an Adjustable Rate Rider to his original first-lien residential mortgage but did not actually provide the Complainant with the rest of the body of the document. 2 ) This deceptive practice happened in XX/XX/XXXX and the mortgage was serviced by Bank of America until XX/XX/XXXX. 3 ) Complainant has filed at least 2 loan modifications for this subprime ( 12-month MTA ), negative amortization, pay-option mortgage to Bank of America as were mediated from Complainant 's separate complaints submitted around that time through the Massachusetts Attorney General 's Consumer Protection online complaint system but no HAMP modification was awarded. 4 ) Several public documents in XXXX County Land Court Registry of Deeds had since then appeared that attests to the fact that Complainant 's mortgage is fully-paid off because the mortgage was made to be part of XXXX XXXX, XXXX XXXX XXXX XXXX. 5 ) Bank of America. upon acquiring Countrywide Home Loans in XX/XX/XXXX, can not deny that it is the Master Trustee and Depositor of said XXXX from full-acquisition of XXXX, XXXX and it also now serves as the Master Servicer for mortgages within that XXXX. 6 ) It appears from records available in mortgage statements and litigation records that the Complainant 's Mortgage of $ XXXX has been fully-paid off through participation in the XXXX by the time that Bank of America made the Complainant sign just the Adjustable Rate Rider portion of a mortgage instrument it offers. 7 ) Bank of America did not disclose the actual mortgage since XXXX and the Complainant is now showing cause in several other separate legal complaints, including the one attached herewith for the entire Condominium building at XXXX XXXX XXXX, XXXX, MA XXXX. ( See MA Division of Bank Complaint to Bank of America -- the Complaint form and its Exhibit 2, and not both Exhibits are provided here due to Credit Bureau records that appear in Exhibit 1. Bank of America will be recipient of the MA Division of Banks Complaint anyway ) 8 ) Bank of America has committed deceptive loan practices, and deceptive foreclosure practice against the defendant and should now fully-admit that it made the Complainant sign a Mortgage of Security Interest and Rent similar to the one attached here, because this is the only possible way that Bank of America can keep the Complainant 's mortgage within the XXXX XXXX XXXX wherein the participation cut-off date wasXX/XX/XXXX and it offered the Complainant an Adjustable Rate Rider to sign in XX/XX/XXXX and just kept referring to it as a " Certain Mortgage Instrument '' in Land Court records.

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 09-12-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (HI).
Issue: Loan modification,collection,foreclosure

Complaint: My son purchased a home with a mortgage from Wells Fargo in XXXX XXXX. I paid {$150000.00} as down payment. I was listed as a co-owner on the deed. I did NOT sign the Note. The was foreclosed upon and Wells Fargo falsely sued me as having defaulted on the Note. They dragged this out for nine years, and filed many court extensions. This caused the Homeowners dues to escalate to {$10000.00} and made me liable as my son ended up committing suicide. The home finally auctioned in the courtroom in XX/XX/XXXX for way below current market value. I still have the stigma of having a foreclosure on my bureau of conveyance records. At age XXXX, I do n't need to be stigmatized after having excellent credit my whole life. Although the issue is now closed, their treatment towards me felt like senior abuse.

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 01-09-2018 about Debt collection (Mortgage debt) with LoanCare, LLC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I submitted my paperwork for a Loss Mitigation/Loan Modification with Loancare ( my new mortgage company ) on XX/XX/XXXX. My request was that my mortgage amount should be lowered so that I could afford to make monthly payments. 

Although I had submitted every single document they requested, they continued to delay taking a final decision. I made numerous phone calls to their Customer Service department, even spoke with supervisors in the Loss Mitigation department in in XX/XX/XXXX. I wrote down the names of those supervisors and customer service staff. All of the Loancare staff assured me that I will NOT be reported to the credit bureau for late payment, since they were still processing my Loss Mitigation request. In fact, an under writer was reviewing my completed file. In early XXXX, I was informed that my paperwork had been transferred to an under-writer, for me to expect a phone call, email and letter about my request anytime before XX/XX/XXXX. XXXX XXXX and another supervisor confirmed that I 'll get a final answer by XX/XX/XXXX about my request for loan modification/loss mitigation. 

I was shocked to learn that in early XX/XX/XXXX, Loancare had reported me to all three Credit Bureaus for being 180 days late in my mortgage payment. 
My Credit is ruined and I 'm unable to get a loan to buy a new home for my family. 

Loancare reported me to the credit bureau for non-payment while the mortgage company was still processing my request for Loss Mitigation.

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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted all three bureaus for the past 5 months in reference to several fraudulent request for credit that showed up on my credit report in the inquiry field. There are over XXXX inquiries within this 5 month span and this was not authorized by me the consumer. I have called them numerous times, i have filed a police report, i have submitted documentation and letters to them advising the information was fraudulently requested with my personal information after my identity was compromised. 

My entire credit file with Experian was compromised and was showing up with me as being XXXX. XXXX had many security breaches and this bureau was assessed along with XXXX. 

With all the security breaches with the bureaus, you would think their customer service would have improved but nothing has occurred at all. 

I need some assistance in this matter as it negatively affecting my credit file. I have a fraud alert on my credit file, a credit freeze, and regularly visit the sites to see if anything has happened. 

Please provide some assistance in this matter. 

Thank you

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 10/24/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TN).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: THIS LETTER SERVES AS FINAL DOCUMENTATION THAT CONSUMER LOAN TERMS HAVE BEEN COMPLETED ( 1 @ @ @ @ XXXX XXXX XXXX HAS PAID IN FULL AND LESS THAN XXXX DAYS LATE )!! MY CREDIT REPORT SHOULD INCLUDE AND ACCURATE PAYMENT HISTORY ..NOT DELAYED. YOU CAN REPORT A LATE IMMEDIATELY AND NOT REPORT MY PAYMENTS!! USAAlocked me out of online account access and discriminated towards me by saying derogatory information and payments for an unsecured loan not related to secured auto loan! This was retaliation to push me into FORCED REPOSSWEIONAND ILLEGALLY OBTAIN VEHICLE!! 

AFTER PULLING MY CREDIT REPORT, USAA CONTINUES TO REPORT ERRONEOUS INFORMATION IN AN ATTEMPT TO MAKE FALSE DEROGATORY STATEMENTS AS SUBMITTED IN WRITING TO CONSUMER PROTECTION COMPLAINT ABOUT MY CHARACTER AND PAYMENT HISTORY to FALSELY REPOSSESS A XXXX XXXX XXXX. 

I THANK XXXX I DID NOT DEPEND ON USAA FRAUDULENT UNEMPLOYMENT INSURANCE. " PAID IN FULL, '' tells the truth not lies from a collections department. THE FINAL PAYMENT IS BANK ISSUED CERTIFIED PAYMENT AS ALL OTHER PAYMENTS due to USAA LOCKING ME OUT ACCOUNT ACCESS!! 

LASTLY, The USAA complaint response from THE COLLECTIONS DEPARTMENT VIA ATTORNEY VIOLATED - PRIVACY Act BY DISCLOSING MY personal /additional credit history not mentioned in the original complaint ( UNSECURED LOAN ) to retaliate and discriminated against me. BAR COMPLAINT COMING!! 

XXXX XXXX PAYMENTS XXXX WHICH WAS NOT REPORTED TO MY CREDIT REPORT! USAA said XXXX XXXX XXXX XXXX 

PER YOUR CONSUMER LOAN STATEMENT CURRENT BILLING CYCLE XXXX/XXXX/XXXX - XXXX/XXXX/XXXX PAYMENT DUE DATE XXXX/XXXX/XXXX AMOUNT DUE XXXX TOTAL PAST DUE XXXX TOTAL PAYMENT XXXX. I ALSO SENT AN ADDITIONAL XXXX} ON XXXX XXXX, XXXX TO SEND A REMINDER GIVE ME MY TITLE I DO NOT MEET THE CATEGORY OF PAYMENT AFTER XXXX/XXXX/XXXX!! I EXPECT MY TITLE MAILED TO MY ADDRESS BY XXXX XXXX, XXXX ( I WILL GIVE YOU LONGER THAN XXXX XXXX AS YOU STATED TO ME )!!!! I HAVE THE $ $ $!!! PAID IN FULL!! GIVE ME MY TITLE!! I OVERPAID YOU MAIL THE REFUND TO ME!! 

I WILL NOT LET USAA XXXX ME AS I HAVE MET MY CONTRACT OBLIGATIONS AND PAID THE LOAN IN FULL!! I WILL CONTINUE TO FILE COMPLAINTS UNTIL THE TRUTH IS HEARD ABOUT THIS ROGUE 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 11/19/2015 about Mortgage (FHA mortgage) with PLANET HOME LENDING, LLC (NM).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is in relation to Planet Home Lending Mortgage Company. I have been charged additional fees up and above my regular mortgage payment for the XXXX time this year. I went through a loan modification XX/XX/XXXX and it is currently XX/XX/XXXX and I continuously am being charged fees. I have called Planet Home Lending customer service and they ca n't give me a straight answer. XX/XX/XXXX they charged me a fee of {$34.00}. Their explanation was that it was in regard to my loan modification and was a fee that was not paid. I reluctantly paid. Then XX/XX/XXXX I was charged a fee of {$51.00}. When I called to inquire, they were not sure what the fee was for and they credited my account, but left a fee of {$3.00} which again I paid. XX/XX/XXXX they again charged me another fee of {$46.00}. Again after speaking to them, they corrected the fee. Now, I received my XX/XX/XXXX statement and another fee for {$17.00} has been charged to me. I am very frustrated with these fees almost every month. I called and inquired about this fee and they said it was a fee for a XXXX drive by '' that was conducted during my loan modification process XX/XX/XXXX. A year and a half later and they are charging me for someone to drive by my home to check if it is occupied. I am tired of taking time to inquire about these extra charges for all these months. I feel I am being penalized for obtaining a loan modification and they continuously are finding some kind of fee to charge me above the regular mortgage payment. Is there anyone that can look into this company? Maybe conduct an audit and check if this is happening to other customers. I received a loan modification in order to afford my monthly mortgage, but the fees they keep assessing is not helping me what so ever.

Company response to consumer: Closed
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have received several letters from y'all indicating that y'all will not put this on my credit report it is only showing on the credit report from XXXX y'all have sent me a letter stating that y'all will not put it on my credit report. I have requested information and it has not been accurate. I 'm a question that this inquiry be taken off my XXXX credit report due to yall sending me several letter stating that y'all were going to take it off

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I had two loans with Great Lakes, one XXXX Plus and one private. In 2013, the  co-signer of the private loan paid off their balance and I was left with a balance of {$9000.00}. Great Lakes wiped the {$9000.00} off my account and I was only left with the XXXX Plus loan. <P/>In XXXX, I applied for a consolidation loan of all my federal loans and chose GL as the provider. They added on the old {$9000.00} from the PRIVATE loan to my consolidation loans and did n't tell me. Repeated attempts to find out why they added {$9000.00} to my federal consolidation loans have gone unanswered. <P/>This is a criminal act and needs to be looked into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Debt collection (Medical) with Merchants Credit Corporation (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Insurance company supposed to pay for this account. At that time I had full insurance coverage but hospital did n't request bill to the insurance company. 
After my termination of insurance coverage they were trying to collect from insurance company of course they wo n't pay the bill. 
After that I was working with hospital representative to make payment options some other representative moved to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (I do not know) with Diversified Acceptance Corporation (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was recently made aware of an account that was placed in collections. This was my first time hearing of this debt and there was no validation made. I requested documents proof and that the item be deleted from my record whilst being investigated. On the document that was submitted, it indicates that I had primary insurance and so I am not sure why I am being billed by the hospital. Much more, I do n't recall being at XXXX XXXX since I have not lived in XXXX XXXX in close to a decade. Pursuant to the debt collecting act, validation of the debt should have been carried out prior to listing this account.

Company response to consumer: Untimely response
Consumer complaint received 10/15/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a bankruptcy that should be removed do to the age of the account

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit reporting () with Credit Karma, Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I use Credit Karma to keep an aprized of all action on my credit. Through Credit Karma I was offered a Pre-Approved XXXX I applied, and got an approval within less than XXXX seconds. I have allways understood that pre-approved things ussually do not result in a Hard Inquiry. Well they must have done XXXX in less than XXXX seconds. The next morning I checked my score on Credit Karma. My score had dropped XXXX points for XXXX, and XXXX points for XXXX. I do not recall giving permission to run a hard-inquiry, and everywhere I looked, a hard inquiry should only cost me XXXX points. Not nearly XXXX. I had just lost another XXXX points over not renewing a XXXX acount. I had 10 years of XXXX XXXX with XXXX. 10 years ago, it was only XXXX XXXX, Now it is an XXXX, XXXX, and XXXX XXXX XXXX, with yearly dues, high-interest, inadaquet reporting to credit agencies. Since I owed no money, I decided NOT to renew or Upgrade my card. The next day, all 10 years of credit history was gone, as well as XXXX points to XXXX XXXX, etc. I had a credit score in the middle XXXX, for which I needed to get an apartment. Now, over XXXX points later, I cant get approved for XXXX. This is ridiculous. I pay all my bills on time, phone, cable, yet none of that counts. These companies have not a care in the world, ruining peoples lives. They allways try and blame someone else. Credit-Karma, then, XXXX XXXX. I would be happy with just the XXXX points taken. Why am I an exception for every rule these companies themselves make? 
The XXXX date I do have is XX/XX/XXXX. That is the day that my XXXX, and XXXX points were taken by the XXXX XXXX. XXXX Score XXXX was used. That is mostly what I have. Oh yeah, the credit companies told me on the phone to take it up with Credit-Karma and XXXX. Credit Karma told me to take it up with the XXXX Agencies. Both XXXX XXXX and XXXX XXXX have yet to reply after more than XXXX e-mails to their XXXX resolution Department. What else can I do but complain to you, and keep on living in a mold-infested apartment for XXXX years while I gain it all back?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (I do not know) with Convergent Resources, Inc. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling. When I answer there is silence, then they hang up. I 'm suspicious that they 're recording my voice.

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 12-01-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: This complaint is an addendum to a complaint filed earlier against Wells Fargo Bank The file no.is XXXX. This correspondence should be forward to XXXX XXXX XXXX, Department Manager of Research and Correspondence who answered the previous complaint. I followed up with his suggestion regarding my claim. That phone number referred me back to their Fraud Liability Div. where I was given another customer service Rep. XXXX times I called and their has been no response. The name XXXX XXXX,! -XXXX.Once again Wells Fargo stalled and did n't follow-up on their correspondence letter. Now the statute of limits is up on the initial charge of their negligence. I, now willpursue action against Wells Fargo under California code 530.8.The trial of documents will be presented in court to a judge force them to clear my name .Wells Fargo has n't made any attempt to help me. The fine is {$100.00} a day. The Initial investigation goes back to XXXX XXXX. I intend to name, you, XXXX XXXX XXXX in a separate small claims lawsuit at {$100.00} a day. The law passed in XX/XX/XXXX and is specific about Wells Fargo 's obligation. In addition I will forward a whistle blower complaint to the Attorney Generals office of the state of California and the US attorney 's office in XXXX XXXX, California. I will ask them to investigate how an account opened in my name disappeared from your system.Could their be other accounts opened. Did anyone internally delete this fraudulent account.? The state of California losses might be greater than just mine. Did your bank investigate? My records of the account existence will be Social Security records, XXXX, the IRS and the district attorney 's of XXXX XXXX, California. Let 's fine out who the judge believes or better yet let there be a jury to decide the amount of damages. XXXX XXXX dollars a day. Can you afford to pay your own lawyer fees, XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Student loan (Non-federal student loan) with KEYCORP (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Keybank-I filed for bankruptcy XX/XX/XXXX and the loans were not part of it. Bank refunds payments. I call them and they say that they reviewed the loan and decided they would discharge it as a result of the bankruptcy XX/XX/XXXX, but XX/XX/XXXX. They did not contact me because it would seem they are trying to collect on a debt that was discharged. I told them I did not request that and why this was done. They told me that 's all they could say. Credit report says transferred to recovery ; claim filed with government. Is there anything I can do? I have n't missed payments ever. It makes no sense as this is something I owed and kept payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I got a XXXX prepaid wireless plan some years ago. Somehow without me signing or agreeing to a contract XXXX Switched my plan to a post paid account and put me into a contract and has been trying to collect money not owed to them. I paid my last bill in-full before switching to another phone carrier. They have put this on my credit I have complained they have removed it but subsequently sold the account to another collection agency called I C System Inc. I would like this removed immediately. There is no executed agreement between myself and XXXX.

Company response to consumer: Closed with explanation