milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2015 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I became behind on payments due to financial hardships, TD Bank began calling me XXXX times a day everyday. I clearly stated to the representative that I was enacting my rights granted under the guidelines set by the FTC for them to cease contact immediately. TD Bank continued to call me XXXX times daily for months until I finally was able to make them remove my number from their calling list last month. Now they have turned the account over to XXXX XXXX who has began calling me daily. I spoke to a representative yesterday XX/XX/2015, and informed them I was under a do not call list, and verified XXXX times that they were removing me from their calling list. Today,XX/XX/2015, XXXX XXXX contacted me again to collect the debt. I spoke to a supervisor who identified herself as XXXX ( sp? ) And informed her that I was to be put on a do not contact list, she then stated there is no record of this request. After I informed her a third time that I was to be removed from the calling list, she still attempted to collect payment after I stated that I did not feel safe making any transactions over the phone with their company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HOMEBRIDGE FINANCIAL SERVICES, INC. (NC).
Issue: Application, originator, mortgage broker

Complaint: I tried to purchase a condo in XXXX XXXX south Carolina. The bank that I dealt with ( Home Bridge Financial Services ) waited until the day of closing to tell me that I could not rent this unit out so I had to get a different loan for 3 % higher than the XXXX they was already charging me. I had already paid out Earnest Money, Appraisal Fees, and Home inspection Fees. Costing me over {$2000.00} and lots of time. These financial institutions needs to be takin out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Bank account or service (Savings account) with ARVEST BANK GROUP, INC. (OK).
Issue: Problems caused by my funds being low

Complaint: XX/XX/2015 I open a bank account at arvest bank in XXXX, oklahoma I feel that I was over charge for overdraft fees. The bank also told what amount I had in my bank account to a pastor who claim that I belong to his church and I only visit this persons church one time. I feel that arvest bank had no right to treat me like that.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an unauthorized inquiry from XXXX XXXX on my equifax credit report that I would like deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX has reported negative information to my files at XXXX, XXXX, and Equifax. The information involves a collection action by XXXX XXXX XXXX that involves a delinquent account owned by someone else and has nothing to do with me. XXXX and their collections agent has mistakenly associated the delinquent account with my credit identity.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Consumer Loan (Installment loan) with MIDCOUNTRY FINANCIAL CORP (MO).
Issue: Managing the loan or lease

Complaint: Heights Finance put a judgement back in XX/XX/XXXX i was getting a divorce at that time and could n't pay the billing. They did n't start garnishing my wages until XX/XX/XXXX I believe they intentionally waited to garnish/contact you until the debt was almost out of statute in order to accrue as much interest as possible - I have had the same phone number for a number of years. This month in XX/XX/XXXX the garnishment was terminated because Heights Finance profit and Loss did n't give the balance to them since the garnishment. I called profit and loss several times to resolve this matter before they go and file another garnishment and I have tried contacting them several times to see what your options are here and no one will even return your call. My first call was XX/XX/XXXX XXXX spoke with XXXX and she said the manager was on vacation would be back XX/XX/XXXX. So then i called on XX/XX/XXXX and XXXX and spoke with XXXX she said the manager just came back from vacation and has n't looked at his emails or files as of yet. They would call me. then i called again on XXXX at XXXX spoke with callie again and she said the XXXX has n't reviewed my file yet. I have tried to resolve this. But nothing seems to be happening. The Loan was XXXX that was for the judgement now they are wanting XXXX. I am trying to pay this but i do not think it is fair that they just now garnished it in XX/XX/XXXX. I understand i do owe this but at the time i just became a single mother after the divorce with XXXX kids. Now i can pay this but not XXXX! 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
Consumer complaint received 12/23/2017 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: Account status incorrect

Complaint: I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. In XXXX XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.

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 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I cancelled my  XXXX  account and paid the final monthly bill many years ago. For reasons that still have never been explained, there were additional charges.  XXXX  decided I owed them money while I was living abroad and never once contacted me by mail, phone or email about a debt. I was horrified to see it on my credit report a year later and immediately paid so it would not further harm my ability to get approval for an apartment.  <P/> They agreed that because I had paid quickly and they had no record of phone or email correspondence that they would erase the notation from my credit reports. Instead, it remains on my credit report as a paid collection with all three bureaus -  XXXX , Equifax and  XXXX .  <P/> To add insult to injury,  XXXX  made a hard pull on my Equifax credit report i n 2015.  This was years after I had terminated my relationship.  XXXX  had no credible reason to view my account, and Equifax had no authorization to share it with them.  <P/> In recent months, I have had a credit card number stolen and multiple fraudulent inquiries and mailing addresses added to my credit reports due to the clear attack of identity thieves. For all I know, this inquiry was due to someone stealing my credentials and trying to fraudulently open the account.  <P/>  XXXX  and the  XXXX  credit bureaus continue to report misinformation on the old account and, in Equifax 's case, the fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Loan servicer is Bayview. I 've been in my home for 12 yeasts, & Bayview has been the servicer for several of those years. I have had a modification done, but my loan balance is just as much as it was when I purchased the loan. When they received the loan, the balance was almost {$10000.00} less than it is today. The interest rate is still 3.00 %.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: The caller XXXX from National Credit Solutions called my place of employment. I asked to remove the number and not to call my workplace and they threaten to call back again and then requested to speak to my supervisor. The gentleman was very nasty, rude and disrespectful when speaking to me over the phone. I simply asked not to call my work place and he continued to say that he was calling back again and threaten to speak to my supervisor. The number I was called from was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have a major problem with chexsystems!! they blocked me from every bank in the country without just cause. I sent a notice of cease and desist and another letter they ignore my letters, when I made numerous calls the customer relations are ignorant and play silly word games with me. chexsystems refuses to give me reason for their criminal actions, they have already committed code violations by not responding to my communication, they also are reproting on a UNVALIDATED debt. plus over XXXX XXXX XXXX I did find out from XXXX XXXX XXXX, chexsystems forces me to contract with them and keep asking me for my personal and private information so they can store, use, and access my information WHICH I DO NOT CONSENT, chexsystems has caused me very extensive damages. and to this day i can not do any business online either, its like my whole life is blocked, I did file a lawsuit against them but they hired a bigtime lawyer is also a big liar you can reach me at XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX thank you for your tima

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 05/25/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I are unable to work due to an extreme illness. Unfortunately, were unable to keep our home so we listed it for sell with XXXX XXXX XXXX XXXX. Due to the distressed condition of our home, and not able to pay for repairs, we elected to pursue a short-sale. However, my lender has delayed this process for nearly 8 months and still have n't approved it as of today. My Realtor has presented an offer that complied with the market value of our home. The negotiator for the lender will not return emails nor phone calls to update us with a status. We have reached out to their supervisor only to get the same results no response. I was told the contract presented to the lender for short-sale approval has been accepted, and will be submitted to hud for approval of low net based off of FHA guidelines. We have been neglected and very disappointed and stressed due to being treated so unfairly by our lender. I am not sure why this happening, but I am beginning to draw my on conclusion for such unprofessionalism and rude behavior toward their borrowers in such a very distressed and sensitive time. I desire our lender to provide the services that are available to us without prejudice or judgment. Please Help!!!

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 02-09-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Account opening, closing, or management

Complaint: Yield to High Deposits, Rewards, Missed Deposit and Reserves Prompted Balance Precision Balance Amounts XXXX XXXX, XXXX to XXXX XXXX, XXXX Balance {$75000.00} Receipt deposits {$12000.00} to XXXX Balance {>= $1,000,000} Deposits Credit though not in receipted {>= $1,000,000} to {>= $1,000,000}, {>= $1,000,000} BOA Revenue and Reserves Balance {>= $1,000,000} XXXX to XXXX XXXX XXXX and Reserves Balance {>= $1,000,000} At account opening interes computation on interes is calculated on combined account from checking and saving Bank errors are found on interes computation yielding is daily can not presumably tune to XXXX XXXX 366 days and is contradiction to 12 months APY computation notion Actual Rate interes on receipted deposits base on relationship from XXXX to Present, XXXX {$12000.00} to {$40000.00}, should come out to not below 20 % daily Beside prompted and position Bank of America to become number XXXX twice in prior 10 year with net reserve BOA {>= $1,000,000} aggregate balance $ XXXX {$700.00}, {>= $1,000,000} Daily Interes sum on combine account deposit is $ XXXX and even applying your so call XXXX formula yield $ XXXX/daily multiply to 130 days yields $ XXXX yield come to $ XXXX multiply to XXXX cycle is {$25000.00} month, Minimum 3 times breach fees apply from XXXX to XXXX {$75000.00} Base on not applicable concealment, not adequate notice and yield breach trend from deposits {$12000.00} to {$40000.00} on 12.5 % ( {$340000.00} ) ( XXXX ) {$540000.00} ( XXXX ) = {>= $1,000,000} Itemized cyclic computation from initial cycle interes on combine accounts is {$1600.00}, from initial date XXXX XXXX, XXXX, .04 % ( XXXX ) {$1400.00} and XXXX XXXX, XXXX, .04 % ( XXXX XXXX {$200.00}, Second Cycle sum is {$46000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$700.00} and XXXX XXXX, .04 % ( {$38000.00} ) {$45000.00} Third Cycle total is {$42000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$34000.00} ) {$41000.00} Fourth Cycle sum is {$39000.00}, XXXX XXXX, XXXX, .04 % ( {$30.00} ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$33000.00} ) {$39000.00} Fifth Cycle Sum is {$39000.00}, XXXX XXXX, XXXX, XXXX ( XXXX ) {$38000.00} XXXX XXXX, XXXX, .045 % ( XXXX ) {$470.00}

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 12-04-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I am being charged a late fee for my XXXX XXXX 15 car payment when my car payment is not due yet. My car is financed with Capital One Auto Finance and I have paid my car payment on the XXXX of each month for the past year and was not charged a late fee. I paid my XXXX XXXX 15 car payment on the XXXX along with the late fee that I was charged. I understand why I was charged a late fee on the XXXX XXXX 15 payment because I paid my auto loan on the XXXX instead of the XXXX like I normally do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint because Equifax has fail to provide me with physical documents proofing that they have on file in regards to the Bankruptcy they place on my credit report. I needed to know what was going on with this information and contacted to court and can not get any information. According to Section 611 ( 5 ) ( A ) of the FCRA, all information must be promptly remove if the information can not be verified within 30-45 days. They have ignored my request to provide me with physical proof that their company have on file. Please resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt was covered by insurance but was not properly billed. When contacted by Optimum Outcomes I sent a registered letter to them the next day disputing the debt and that it was covered by insurance. The letter was ignored. I continued to receive daily robo calls for over 3 months ( Got one today! ), stating that they were trying to collect a debt. I checked in the XXXX XXXX XXXX ( The hiring party ) website and corrected the incorrect insurance information, it indicated that it would rebill the claim. NEVER happened. No response to the dispute letter! I checked with my insurance company who told me it was covered 100 % and had never been billed. They now have posted a disputed collection on my credit report! They could find my SS # but not my policy #!

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: There is a current motion @ XXXX XXXX courthouse Florida by plaintiff to reset a sale date on this 100 % illegal foreclosure attempt. XXXX is a brief detail of this abuse. 
A. After sitting unprosecuted for over 5 years on XXXX XXXX, XXXX I had Non-Jury ( XXXX ) trial versus Countrywide XXXX XXXX XXXX XXXXXXXX/Bank of America at XXXX County Courthouse in XXXX XXXX , XXXX. Case # XXXX. 
B. Florida 5 year Statute of Limitations ( SOL ) expired XXXX XXXX. 
C. Among the serious deficiencies are:1. Plaintiff lacks legal standing to foreclose. 
2. Robo-signing of documents, robo-testifyer for XXXX XXXX at XXXX trial. 
3. LOSS/DESTROYED ORIGINAL PROMISSORY NOTE upon filing Lis Pendens in XXXX ( only copy endorsed in blank provided ). As of XXXX XXXX, XXXX per robo testifyer personal notes with him at trial, original promissory note still lost/destroyed. 
4. Lender force placed homeowners insurance charged at gouging XXXX, XXXX times normal rate and purchased from plaintiff controlled or owned insurance company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04/24/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX company has sent an account for collections to XXXX XXXX, a debt collection agency. I have been trying to explain to Convergent that I HIGHLY disagree with the charges as XXXX is making false statements about the nature of the debt. This situation is deeply troubling because I have been in escrow for my first home and they are about to cause me great financial harm by jeopardizing my loan prequalification. I will not hesitate to hold them responsible for any financial damages incurred due to this situation. 

Since I am in escrow, I am also cornered into settling this account post haste without having adequate time to dispute this account and " fight it out '' with XXXX. I have been trying to come to a resolution with Convergent that would resolve this account and remove the account from my credit report. They keep regurgitating that they do not " pay for delete '' which is NOT what I am requesting. Since it seems they only read from pre define scripts they are not able to address my concerns appropriately. This is deeply troubling, my stress level is through the roof and I need assistance from somebody regarding this unfortunate situation that is occurring.

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 07-03-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Since XXXX XXXX, 2016 Commonwealth Financial Systems tried to collect {$410.00} of erroneous " medical '' debt I do not owe. I disputed the accuracy of their listing on my credit reports and they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I told them as per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I logged into the Experian site to review my credit report. They offered to see my FICO score an credit report for a {$1.00} fee, that i paid. I was unaware this fee was a 7 day trail membership and if i did not cancel the trail within the 7 days i would be billed {$23.00}. The amount was charged on Saturday XX/XX/XXXX i called them on Monday, XX/XX/XXXX at XXXX XXXX. i was informed they do not issue refunds and but would cancel my subscription for any future billing. I can get my XXXX and XXXX credit report and FICO score for free at any time so to pay {$23.00} a month for this is something i would never have done. i only wanted to see my credit report and score to compare versus the other XXXX and see if the same inaccuracies i found on them were on their site as well. .If they want to charge me {$1.00} for this service and then ask me if i would like to pay the fee after the initial time that would be fine but to charge you to get your FICO score and make it a trial membership so you are actual paying almost {$25.00} for this info is deceitful. Integrity is paramount for anyone that is managing peoples credit and they have clearly shown a lack of it.

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