milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2017 about Debt collection (I do not know) with Northstar Location Services, LLC (AZ).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This company calls my business looking for someone that is not here. They fish for personal information. They use threats and intimidation. They are rude and obnoxious. They continue to call even though told that the person they are asking about is not here. 

I will not be threatened by some random low level XXXX XXXX collection agency looking for information on someone not at this number. If they call again, I will call the police.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Fraudulent Inquires were made on my reports. I did not authorize this. I sent certified letters with no response or action return. Please remove from my 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 explanation
Consumer complaint received 02-12-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This same debt has been placed on my credit since 2013, this is incorrect and needs to be removed as it is preventing me from buying a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MI).
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 tried several times to contact the company to get assistance with paying my credit card bill and lowering and/or removing fees during my time of a financial hardship due to loss of income, but have not been able to speak to anyone at the company for any help. I would like to keep the account open and return to good status with the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2017 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (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: I submitted a form for auto payments during the first months of my auto loan. I sent the first payment because it states to make payments until the auto pay begins I thought my auto payments because on their Bank of America it did n't show a payment was due.     I was never notified that I had missed a payment.     They state that they tried to contact me but I have no voicemails or email notifications that told me my payment had not been made.     I believe this is unfair because on their website they have payment alerts that tell me when a payment is due. Apparently it only shows when credit card payments are due not auto loans. No where does it state that. I was under the impression that if a payment was due it would show an alert. it did n't.     They told me that have time stamps of me logging in before the 30 day late payment.     I have and had enough money in my account to have covered that payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2016 about Debt collection (Medical) with Williams, Alexander & Associates, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

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

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Since this is the second time filing the same complaint and it did n't go through I 'm going to keep this brief. This company bought out my student loan from XXXX XXXX who had then bought it out from XXXX XXXX. When I was on XXXX XXXX I was on a deferment when I got out of the XXXX the amount owed to this company almost doubled and nobody can give me an answer as to why. Now not only are they calling me 3 to 4 times a day, but, my parents are also receiving phone calls in the same company at their home phone number. So, we 're up to 6-8 calls/ day between the 2 numbers. They want me to sign a forbearance, but, I 'm not signing anything until I get an accounting as to why my student loans increased so dramatically while on XXXX XXXX. They should have been paid off a few years ago and now I owe a substantial amount still. And since I 've been unemployed for a year I have no way of making any sort of payment arrangements regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My name is XXXX XXXX and I am very disappointed with my credit files, XXXX XXXX, TransUnion XXXX and XXXX XXXX. My credit score is creeping up XXXX point at a time. I am very discouraged with negative items that are still not verified by the credit bureaus, past seven years and then re entered into my credit file.

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 11/30/2016 about Bank account or service (Cashing a check without an account) with U.S. BANCORP (WI).
Issue: Using a debit or ATM card

Complaint: bank accounts are tampered.

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 01-12-2018 about Vehicle loan or lease (Loan) with SUNTRUST BANKS, INC. (VA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: Contacted SunTrust talked to several reps and also customer service since XX/XX/XXXX. Was told I could n't lower payments or move a payment due to financial hardship even after being told I could by 4 other bank employees. Girl in collection was rude. 
My loan payment is due on the XXXX of every month. I called and requested this way before hand.

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 02/21/2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (HI).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX : I mailed the proper Roundpoint ( RP ) form to request having my PMI ( Private Mortgage Insurance ) removed. I spoke with RP and they contacted a local appraiser here in Hawaii. 
XX/XX/XXXX : The appraisal was done. 
XX/XX/XXXX : Spoke to XXXX at RP ; I hadn't heard from RP, so called them. I was told over the phone : " it is in process, someone will contact you soon. '' I asked how I would be contacted- RP said via my cell or email or a letter. 
XX/XX/XXXX : I phoned the local appraiser to see if the delay was on their part- it was not. The appraiser had the report ready to submit when someone from RP had called them and " cancelled '' the appraisal. 
I phoned RP and spoke with XXXX. I wanted to find out why the appraisal was cancelled. I was told there was a note on my file that said : " unable to make contact with homeowner, so cancelled. '' I never received a phone call, email or letter from RP. 
XXXX, the RP person said she would initiate the paper to " re-instate '' the appraisal, and that someone would be contacting the appraiser and asking them to submit it. I was told someone would make contact with me in 48-72 hrs. 
XX/XX/XXXX : Phoned RP and spoke with XXXX. AGAIN, I was told she could see all the notes on my file and she didn't understand why it had not gone through yet. While she was on the phone with me she said she was typing the request to get the appraisal that was done on XX/XX/XXXX submitted to RP. AGAIN, I was told someone from RP would contact me in 48-72 hrs with an update. 
XX/XX/XXXX : I phoned RP and spoke with XXXX. She was nice, sounded young, could see all the notes on my file, but couldn't answer why the request was in limbo, and why the appraisal report was not " uploaded '' to my file yet. I asked to speak with the person responsible for reviewing my PMI-removal request. I was told that person was " not at her desk ''. I asked XXXX to leave her a msg- she said she would. I next asked to speak to a supervisor ; I was nice about it- told XXXX I wasn't mad at her, but at the treatment RP was giving me. XXXX 's supervisor 's name is XXXX and XXXX said he, also, was not at his desk so she couldn't transfer me. I asked her to leave XXXX a message that I would like a phone call from him within 24 hrs. I also asked XXXX to put into my file that I was going to contact CFPB. 
Hopefully you can help me. I am retired and the PMI amount would help me monthly. I have done my due diligence and my house has gone up enough in the past 15 mos, so that shouldn't be an issue. 
Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a Wells Fargo checking account in XX/XX/ 2017 under the terms " open a new wells fargo checking account, and have 3 consecutive months of direct deposits of $ 1500+ or more to receive a bonus of {$300.00}. I have had more than 3 consecutive months of direct deposits ( each over {$1500.00} ) but still have not received the bonus! Wells Fargo has told me to wait 45 days after completing terms for bonus. It has been 3 months since completing the bonus and still have not received the account opening bonus! Wells Fargo is not delivering the bonus they promised me when I opened my account. They are misleading and running a FALSE promotion!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. The credit limit was for {$800.00} and the charge off/collection derogatory amount reported is {$1300.00}. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I am having a problem with my mortgage company Ocwen. On XX/XX/2015. I found out that they never paid my flood or homeowners insurance. When I called them they said that they sent both checks out on XXXX/XXXX/2015. It seemed strange to me that both checks never went to the XXXX different providers of insurance. So after several attempts to resolve this issue Ocwen finally did a conference call with my insurance company and myself. Everything would be taken care of. Ocwen only paid my flood insurance never sent the check for homeowners. Ocwen sends me a letter stating I do n't have insurance and they woulsd provide it but I would be better off to get it myself. Called my insurance company and because it was n't paid on XX/XX/2015 I was consider delinquent and had to go into a surplus pool and only XXXX would issue a policy at {$3600.00}. My previous policy was {$2700.00}. A huge difference which Ocwen said they would look into reimbursing me the difference by filing a hardship for their mistake. They did n't issue anything, never even acknowledged it. Since a year had passed I was considered no longer a surplus pool candidate and applied for homeowners insurance and received a policy at {$1600.00}. I had my insurance company fax, mail and they talked to Ocwen and everything was good ( XXXX/XXXX/2015 ). Ocwen would pay the new premium. They never paid it again so I paid for the policy out of my own pocket. Did n't want to be placed in the same boat as before.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've been a victim a identity theft from income tax to credit cards and people trying to obtain things using my credit, such as social security number and birthdate. I called  XXXX  and  XXXX  and they handled the inquiries and bad accounts with no issues, they removed everything that was fraudulent with no problem at all because they can see the pattern of fraud. I called trans union and explained the issue, they told me to call every inquiry on my report and get a letter of deletion. When I call the numbers on the reports the companies state there is no record of me applying for the credit. I have ov er 80 inquiries   on trans union and they will not help me. I hav e 5 inquiries on  XXXX  and 10 on   XXXX , obviously something is wrong. I spoke wi th two su pervisors at trans union and they all say the same thing call the consumer and get a letter of deletion, how can i get a letter of deletion when they do not have the proper information on the trans union report, I called the numbers on my trans union report and the numbers are inaccurate. My loan  officer stat es I seem to be a victim of th e trans union inquiry issue, but I call trans union  and they state I 'm not. I am at a lost here something is definitely wrong with trans union reporting and they will not help at all. The numbers on the transu nion reports to call are inaccurate so i cant get a letter of deletion, I explained that  to two supervisors at trans union and they state there is nothing they can do it will fall off in two yea rs. This is fraudulent and inaccurate reporting what do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I have repeatedly asked for justification of a deferred balance, Nationstar Mortgage has on my home. Nationstar is either unwilling or unable to provide an amortization of how my payments have been applied and how much interest I am actually paying - I have XXXX complaints all with extensions by Nationstar - Per my conversation today with XXXX ( # XXXX XXXX - they need a XXXX extension as they have not yet resolved the information and can provide no update

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Customer service / Customer relations

Complaint: I disputed an interest charge on XXXX XXXX, 2016 and as of the writing of this complaint I have yet to receive a response, I thought TILA required a response within 30 days. The interest charged was about {$150.00}. I filed a dispute, which was resolved but Bank of America still charged me interest, a violation of TILA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/19/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was subjected to unauthorized charges  (  cramming ), and breach of agreement within a contract.  XXXX    XXXX    (  XXXX  ) (  1  ) Did not provide a brief, clear, non-misleading, plain language notification of the chang  e ( s ) in service cost ; ( 2 ) Deadlocked me in a contract in an attempt to make me pay for unauthorized and unagreed upon service charges, subject to early termination fees and/or other fee ( s ). ( 3 ) provided me with documentation of having a {$0.00} balance then sending the unauthorized charges to a debt collector for {$620.00}. ( 4 ) placing the alleged debt on my credit report.
The debt collector ( Credit Protector Association )   did not provide a non obstructable means to follow through in order to lodge a complaint on the account in question. I filed a bbb complaint in which  XXXX  admitted to not notifying me of charges.    XXXX  without my consent and agreement increased charges for services. It continued the contract to make it appear to be the same charge as before. After which increased charges, breaching it 's contract by breaking the agreement in service charge.

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 10-08-2015 about Debt collection (I do not know) with Continental Finance Company, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company called 4 times in a stretch of 5 hours. And when I answer it, it is a recording saying this is an important call

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed this account and it was removed off of my XXXX  report but XXXX and XXXX are still reporting this also Portfolio Recovery has this account in collections. Please help. This is the account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: This is our XXXX year that we 've had our home mortgage with Wells Fargo. When we refinanced our mortgage it was with XXXX Mortgage who then sold our mortgage to Wells Fargo. Last year, they increased our Escrow payment by {$16.00} because ( through miscommunication they had n't factored in our Hazard Insurance. We were fine with the increase since originally XXXX thought we would pay our Hazard Insurance, but then at settlement it was decided it would be par of the Escrow. The paperwork was never changed to reflect the additional funds. This year, Wells fargo is trying to increase our Escrow payment again. They attempted to claim they did n't know about the Hazard Insurance. But since they paid it last year, and increased our monthly payments, we did n't agree with the increase. Then they claimed RESPA requires, by law, that the bank keep a two-month cushion in our escrow account. Wells Fargo has enough money to pay all our taxes, but they only have a XXXX month cushion after all XX/XX/XXXX taxes are paid in XXXX. The next tax is n't due until XX/XX/XXXX. I explained that RESPA does not require, by law, that there be a XXXX cushion. The XXXX cushion is strictly bank policy. I finally got Wells Fargo to agree that it is NOT the law, but they wo n't budge on the XXXX cushion even though there is enough money in Escrow to pay the taxes. We ca n't afford the additional increase. While we always pay our mortgage on time, we live very close to our budget and never spend extra money. It is sometimes tough to meet the demands of our mortgage payments, but we continue to pay on time. An increase in monthly payments might make it even more difficult to set money aside for our mortgage, especially when it is not necessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation