milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: The location of Bank of America at XXXX XXXX XXXX XXXX XXXX Fl has employees that are giving out my financial information including account numbers and an actual printout of my mortgage status to a person pretending to be co-owner of my house and who is actually the tenant. He was able to secure my account number and financial status on my mortgage loan from employees at this bank who he claims are his friends. He also claims to have bank friends at the XXXX XXXX in XXXX XXXX FL and has secured additional information on my loan from them. Both of these branches need to be investigated immediately and held accountable for disclosing my personal financial information to a stranger that walks into the bank claiming he is friends with the bank employees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with JH Portfolio Debt Equities, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I contacted the company to let them know this account has been previously removed due to ID Theft. The company sent an affidavit to be motorized and returned. The company agreed to remove the debt from my credit report. That was over 60 days ago, they said they would remove it refused to send me anything in writing. I am very upset and requesting the company remove the items from my credit report. They told me I must wait until they report.

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 11/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Attention Midland : The last correspondence I sent your company on XX/XX/2016 pertained to a demand for validation. Your company has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report as a valid account. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ). Hence, I hereby declare my intent to bring suit against your company under the regulations, due to your continued collection activity and failure to remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (I do not know) with LENDMARK FINANCIAL SERVICES (DC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I sent request and request, request for validation and verification of this alleged debt being reported on my credit file. This is NOT my debt and i am a victim of ID Theft. This company will not response to my request but continue to contact me to make payment

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My debt with XXXX XXXX XXXX was discharged in bankruptcy in XX/XX/XXXX. They have since begun reporting the account on my credit as a derrogatory account with inaccurate dates and a balance due as of XX/XX/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 07-08-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have asked for validation and verification on several occasions and these people have not been able to validate and verify pursuant to XXXX, and XXXX. This DEBT COLLECTOR XXXX XXXX XXXX, or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX XXXX XXXX, has sent me a notice of lawsuit filed, but since this is a communication from a DEBT COLLECTOR they would have to take the consumer to a UNITED STATES XXXX XXXX to be in a competent jurisdiction to say that I owe them anything which they have not been able to show. These individuals have put entries into my personal credit reports and they have been disputed but they still show up as my account. I did not give them my private non-public information so I do not know how they obtained it. This is IDENTITY THEFT PURSUANT TO XXXX. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so, I have successfully disputed this DEBT and they still continue to harass me.This is another violation that these DEBT COLLECTORs have created. 
They have harmed my consumer natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. This has harmed my ability to secure private credit for personal, family, and household purposes not for XXXX. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to XXXX. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX XXXX, this is aiding and abetting fraud on the Consumer who is a natural person.

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 08-09-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling my cell phone without permission attempting to collect on a debt that is past the statute of limitations. They have even sent me a notice stating that the have no ability to attempt legal action due to this, but continue to call. I received notice yesterday that I was part of a class action lawsuit against them for calling my cell phone without permission between XX/XX/XXXX and XX/XX/XXXX, which they deny doing anything wrong, but they continue to do so to this day! In fact, I just now received a call! They call 3-5 times a day, and I have blocked the numbers they call from, but they just keep using different numbers to get through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
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: by XXXX deposit bank on XX/XX/XXXX I paid {$5000.00} on my account which would have been almost 12 payments which in term would have put me almost 12 months ahead. I continued to make my payments after this and I paid the loan off by XX/XX/XXXX. 
even though I paid ahead I was charged 35 late fees and counted as late even though I was a year ahead and I still made monthly payments. 

then XXXX XXXX and XXXX XXXX say I owe them money that I do n't.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Despite written communication asking them to cease communications ( notice received on XXXX ), collector continues to contact me ( last call received XXXX, XXXX XXXX ). Collection company violated FCRA by not verifying whatever this debt is and by continuing calls after receiving a do not call notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with SANTANDER BANK, NATIONAL ASSOCIATION (GA).
Issue: Incorrect information on your report

Complaint: To whom it may concern : I am writing to address the overdue balance I currently have on my Heloc loan with Santander bank. I had an Heloc loan with Santander in this past in which I paid off in good standings so I have decided to use them again.
I have been faithful in making all my payments on time. I make all my payments online when I receive my statement by mail. Im on a very strict budget with my bills and cost of living. There are no branches located here in XXXX. However, When I moved to XXXX from XXXX XXXX I updated my address with customer service department of Santander. I never received any of my statement to my new address and due to an error on their part. When I called Customer service in XXXX of 2017 their response was that they were missing information on the new address but never call to notify me until I called them on not receiving my billing statement in which we realize at same time that my account has been and currently is locked. At this point I realize that have a different payment amount and it is more than doubled on what I have paid in the past and they are calling me daily on when i going to pay the arrears on the loan.
I have been in contact with the bank several times on this issue and the statements and delinquency letters are still going to the old address at this very moment. I was told by a representative that I had to correct this issue with the branch where I open the account. I have even tried asking them for help by modifying the loan for an easier payment but I was denied.
Although I have made payments towards my loan but because of the new payment amount which is more than doubled along with late fees and penalties because of an error on their part has made it very difficult to catch it up. I cant afford to pay the entire bill at one time. Santander has done nothing to rectify their negligence but compound the problem by destroying my credit history to the credit bureaus and gather more information toward collecting the debt owed.

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 07-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (NV).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I had a credit card through 5/3 bank and fell behind when I lost my job. The bank since then has constantly harassed me by calling at times when I have asked them no to call because of the time zone difference. Still the bank calls me on their Eastern time while I live in a pacific time zone. Further the bank got my bank account number from a payment that I made to them and randomly started withdrwling over {$600.00} each month that I would have to notify my bank that I did n't authorize and then pay the bank a stop payment fee of {$30.00} each time. This has been going on since XXXX of last year and regardless of me telling them to stop this they will not and continue to overdraw my account with each of these {$600.00} debits. Today they did it again overdrawing my account by over {$400.00}. I do n't know where else to turn since I have asked 5/3 to stop this to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: docx / indecomm global services fraud mortgage assignment robo signer around the county filing of shady assignments. 
. Representation was made of a material fact. 
2. Representation was untrue. 
3. Party making the representation knew it was untrue. 
4. Representation was made with the intent to deceive and for the purpose of inducing the recipient to act upon it.5. Recipient justifiably relied on the representation. 
6. By relying on the untrue statement, the recipient suffered damages.XXXX 1. A false representation was made, usually one of fact. 
2. Party making the representation had knowledge or belief that the representation was false, or made the representation with the requisite indifference to the truth. 
3. Representation was made with the intent to induce the recipient to act, or refrain from acting. 
4. Recipient acted or did not act in justifiable reliance on the representation.5. Recipient suffered damages XXXXas a result. 


XXXX Misconduct in Other States XXXX. XXXX and XXXX While XXXX and XXXX provided much of the news for reports on attorney misconduct, other states ' attorneys managed to earn negative attention as well.Foreclosure law firms in XXXX and XXXX admitted to committing serious misconduct. Attorneys at XXXX, XXXX, XXXX XXXX XXXX XXXX and at XXXX, XXXX, XXXX XXXX XXXX admitted that other attorneys had signed their signatures in documents submitted to court.XXXX Several notaries had their licenses revoked and the XXXX Court of Appeals adopted a rule allowing courts to appoint independent attorneys to review foreclosure documents for irregularities.XXXX Meanwhile, at the XXXX firm XXXX XXXX & XXXX , attorneys admitted to the same practices, supposedly to avoid the " sloppy '' practice of crossing out another attorney 's name below a signature line.XXXX Show cause hearings were held in several XXXX counties regarding the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AK).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 I paid off my mortgage to USAA Fed Savings Bank, XXXX XXXX, TX. XXXX is the loan manager. After many calls and XXXX certified letter, neither company has produced a recordable loan cancellation notice to the Court House as of today ( a year later ). I constantly get excuses and different people at both institutions who say they will help, but they will not return my calls, emails or letters. I need help in getting this notice as it is holding up my mother 's probate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with HSBC bank in XX/XX/2016, and signed up with a promotional offer for a {$350.00} bonus upon meeting billpay criteria. I completed the requirements in early XXXX. The terms said that it may take 4-8 weeks after completion to receive the credit. I waited 8 weeks and contacted HSBC customer support. They keep saying to wait, or that they are investigating. I have now contacted them 5 times, over the course of 5 weeks, with no resolution in sight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: First of all my last name is XXXX not XXXX. I have never worked for XXXX or premiere. So that needs to come off my credit report.

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 12/15/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a letter dated XX/XX/XXXX on XX/XX/XXXX from XXXX XXXX XXXX , XXXX that stated " On XX/XX/XXXX, your XXXX XXXX XXXX XXXX account was sold to XXXX XXXX XXXX, which is now the sole owner of this debt. XXXX XXXX XXXX , XXXX ( " MCM '' ), a debt collection company, will be collecting on and servicing your account on behalf of XXXX XXXX XXXX. Your current balance is {$1900.00}. '' I received a phone call from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received 5 phone calls from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received 14 phone calls from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received 15 phone calls from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received numerous phone calls from XXXX XXXX XXXX , XXXX between XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX I was told that I now owed {$3000.00} and I if did n't pay it they would send the cops to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Public Record DetailsReference Number XXXXDate Filed XXXX XXXX, 2014Date XXXX XXXX, XXXXStatus PaidAmount $ XXXXClassification LienType Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX happened while I was going through a mortgage modification with XXXX XXXX XXXX. I had called them up to correct this error, since it was their error, my taxes are part of my mortgage payment, but XXXX forgot to make payment for XXXX months. I did n't even know about this error, and only found out about it when it showed up on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Credit card) with Radius Global Solutions LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On Thursday, XXXX XXXX, I was contact via the phone ( 3 ) times from this collection company representing themselves as CENTRAL CREDIT SERVICES representing what they stated as their client XXXX XXXX concerning a debt. Apparently, XXXX XXXX sold this collection company this debt that originated from an XXXX XXXX credit card account that was opened and subsequently utilized using my personal information in a fraudulent manner. 

I first got wind of this account, along with several other accounts ( XXXX ) that were opened using my social security number and sent to an address in XXXX, Texas to which I have never resided. Furthermore, when I first came to realize this XX/XX/2016, I immediately notified XXXX both over the phone and in writing via the CFPB portal, CASE # : ( XXXX ) regarding this fraudulent debt. On XXXX XXXX, they responded that they were investigating these accounts and would get back with me accordingly. 

At this juncture, they have assigned this debt to their collection company ( CENTRAL CREDIT SERVICES ) to which I am disputing as Fraud. 

Regards, 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 explanation
Consumer complaint received 09/27/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended a private college, and in order to do so, look out nearly {$100000.00} in student loans, {$78000.00} of which are private loans through Sallie Mae. 

For the first year of payments, I was on the graduated repayment plan, so XXXX of the XXXX loans I have through them had significantly lower payments for the first year. Now, that plan is expiring in XXXX. 

For the first year, I also rotated a few in and out of forbearance in order to get my footing in the professional world and adjust to paying loans and living expenses. For the past year, I have been paying Sallie Mae about {$400.00} a month, and have never been late or missed a payment. 

Now, beginning in XXXX, I am expected to pay {$850.00} a month, which is half of my income in one month. I own a home and car, and have other living expenses as well. Sallie Mae literally does not care and will not listen to anything I have to say about what I am able to pay in a month, which is about {$500.00}. 

I even called their payments department and they said they are completely and utterly unwilling to work with me on a payment plan unless I just stop making payments -- and they were rude about it. I have never had a late payment or missing one in the year I have been making payments. I find it absolutely appalling that the only way they will work out a payment plan is if someone simply stops paying on an account. 

I find this entire situation absolutely ridiculous since I am doing everything in my power to pay them what I can and there is XXXX care, compassion or advice on their end.

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