milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2017 about Debt collection (Credit card) with Diversified Recovery Bureau LLC (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm constantly getting calls from these companies concerning a debt collection. I 've spoken with them previously and acknowledge the account even though I was half sleep after working. I 'm unable to live due to calls from them everyday all day. I 've even tried blocking their number but the robot caller just picks it up and leave messages that can be retrieved / played by anyone that uses my phone. They state that they 've sent letters to me which I 've never received and could be a lie because I check my postal box very day and read every mail that comes. I 'm having a hard time focusing on work and my children due to them threatening me to sue me over accounts I tried to keep active with the original creditor but they would n't listen or acknowledge the hard time I 'm going through due to having a baby, being separated from my children 's father, losing a close sister that was very young to death and other problems that comes along when you think your doing good and being honest to keep a good credit score to have a home for your children. Right now I 'm homeless as of XXXX XXXX, 2017 due to land lord not renewing my lease.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: As of XXXX XXXX 2017 my Equifax credit report has yet to change in fact it 's gotten worse since I have contacted Equifax over 20 times regarding fraudulent use of my information. Equifax is running a scam to make money from collectors and creditors storing inaccurate information and refusing to correct. Also Equifax has this little game they like to play and it 's called credit Bureau splitting. How is advised by several Equifax employees that credit bureau splitting is when an entire credit bureau actually is viewed by the consumer or the lender 50 % accurate and the other 50 % is nowhere to be found. My credit file happens to be in the office of Consumer Affairs. I was advised that because I have been a victim of a number of security breaches but above all identity theft on three unfortunate occasions that they were the ones in fact I have a specialist work exclusively on my credit to ensure that these items that are fraudulent are removed including inquiries Equifax has yet to remove the items it has been over 3 months. Why do credit bureaus especially Equifax getaway with XXXX? Why are they get to do and dictate lies on Consumers Credit? Whoever is overseeing the Office of Consumer Affairs and their fraud division needs to be fired. My attorney wants to proceed in the courtroom against Equifax because he has close to 35 people that have been affected by the poor dispute process Equifax maintains and now we have their wonderful security breach how convenient when two of their highest and Executives pull out of the Equifax stock market two days prior to the release of information of the breach that goes to show you the Integrity of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit card () with U.S. BANCORP (TX).
Issue: Closing/Cancelling account

Complaint: I have called Fulton Bank 4 times over the last 6 months to close the credit card account of an estate for which I am the executor. Each time, I am told to provide the death certificate and proof that I am executor, and to call back a few weeks afterwards. Each time, I have faxed the requested documentation, and called 3 weeks later, only to be told that they do not have the documents. The last time, they said they got the death certificate but not the proof I am executor. I have faxed the Letters Testamentary from the Surrogate of XXXX County ( stating I am executor ) several times. I have had enough of their incompetence. Every other creditor has been easy to work with and closed the account/credited any interest since the deceased 's date of death. I have no idea why this company can not improve customer service for those who have lost a friend or family member.

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 05-10-2016 about Student loan (Non-federal student loan) with National Education Servicing, LLC (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I borrowed a total of {$38000.00} in XX/XX/XXXX and XX/XX/XXXX for my student loans with National Education Services from XXXX, IL. I noticed after making 87 payments on time that my balance was only rising. After speaking with them multiple times and not getting answers ( even when speaking to the President XXXX XXXX ) I finally talked to someone who told me there was capital interest on top of my monthly interest. The capital interest was for nearly {$14000.00} total. So my loans were starting at {$52000.00} with an additional monthly interest taking out. When I said I was never made aware of this I was told it was on my contract. When asked for a contract she said she would send it to me right away and I have yet to get it. 
It took me a while just to find out about this and again was never made aware of this, nor did my account ever reflect the total of {$52000.00}. I am appalled at this company and their actions throughout this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Struggling to pay mortgage

Complaint: I have been named successor to my mothers late husbands estate. I also hold durable power of attorney for my mother. I have attempted to communicate with OCWEN on numerous occasions, to no avail. I am curious to know why, XXXX XXXX, who was a whistleblower VS. XXXX XXXX XXXX XXXX XXXX His name was FORGED, on a document that is associated with my mothers paperwork. XXXX XXXX name was authenticated by his attorney XXXX XXXX, thru a sworn affidavit. 
I also am curious to know why my mother was approved for a principal reduction of XXXX XXXX dollars, with a 2 % interest rate, in a letter from OCWEN, on their site, that was never sent to us? Is it maybe due to the cease and desist in Massachusetts? 
I would appreciate an answer from Ocwen, since they seem to believe they do not owe me one.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On Bank of America I put two " Stop Payments '' on my checking account ending in XXXX on XX/XX/XXXX. One was for " XXXX XXXX '' and the second was for " XXXX XXXX XXXX '' ( these are really the same company, they changed names ). I also put a " hold '' on this account so money could be deposited but none could be withdrawn and I transferred all funds except {$1.00} to my other checking account ending in XXXX. <P/>The check # XXXX was changed to a " Check Conversion Voucher '' and honored on XX/XX/XXXX. The bank used my overdraft protection and took the funds from my savings account in the amount of {$490.00}. <P/>I received two Stop Payment Request Letters from Bank of America dated XX/XX/XXXX. I am sending the one copy, however, I accidentally shredded the one for XXXX XXXX XXXX and the bank said they could not send a copy because this is an automatic letter when stop payment is requested.

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 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I applied for a can loan though one dealership and now I have 6 inquiries on my Transunion report, I called and explained the situation customer service refused to take care of it. 
I'm a victim of their inquiries issues

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 Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have an account with Capital One, a XXXX credit card. A fraudulent charge has been applied to my account and this was done on XXXX XXXX, 2015. I disputed the charge with Capital One and they sent me some illegible information provided by the company that placed the charge, XXXX. The bottom line is that I never gave XXXX permission to charge to my Capital One account, but Capital One is saying someone gave my credit card number to XXXX. Capital One says it was XXXX, and XXXX says it was Capital One. Again, I never authorized this charge or provided my number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (CA).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX and I have been looking to try to obtain a loan modification for the last 1 year with my bank M & T who I am confident do not have the original promissory note, I was denied last on XXXX XXXX2017 and I was not given a specific reason why, since XXXX XXXX XXXX has not done much to help and I feel that they are violating my Home Owner Bill Of Rights.

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 09/21/2017 about Mortgage (VA mortgage) with AmeriHome Mortgage Company, LLC (CO).
Issue: Struggling to pay mortgage

Complaint: Good afternoon, I am writing to complain and get help with a very unethical company that now calls themselves Amerihomemortgage Company. We purchased our home in the fall of XXXX XXXX with XXXX. They were great for the first month. We found out or mortgage was sold to XXXX that fall. From the beginning we have had problems with this company not applying payments, and harassing us. The switch between mortgage companies lost the first 2 payments, which we just though was our fault. We did not realize how naive we had been until XXXX of this year. We have been sending XXXX letters to rectify payments that they had not applied to the account, since they decided to send our payments that we have been sending in back, and constantly calling and hanging up about 10 times a day from XXXX to XXXX. We have tried contacting the company, but they refuse to communicate with us, and because we sent them letters, they finally replied with a letter from their attorney to either have us pay XXXX which is the loan, or lose our house. We send in the same documentations we have been sending XXXX to their lawyers, and have not heard back from them either. The situation is still not fixed. We attempted to pay the full amount or around XXXX $ that they claim we owe, so we could then have piece of mind, and take them to court, but they would not even allow this to happen. Our family life is a very anxious and depressed situation due to this, and both my wife and myself have sought out medication, and a lawyer for that matter. Attached are documents showing the information. This company even tried to blame our bank, who gave of trace numbers for the payments in question. We are overwhelmed, so we started researching this company and found we are not the only people to have these problems with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Chase sent me an offer for 15-month 0 % balance transfer around XXXX or XXXX XXXX. After some considerations, I took up the offer and made a balance transfer near the end of XXXX XXXX, and paid transfer fee. I set up online automatic payments. Strangely Chase stopped to send any monthly statements after that but later notified me to switch to online billing, while no e-mail monthly statements were received. Checked e-mails including spam files never yielded any e-mail. Started XXXX XXXX, merely 13 months into the offer, Chase started to charge interest. I called, one customer service rep and his supervisor both stressed that the offered 15-month period starting at the time the offer was issued, not the time of transfer. I never heard such offer and such term. I asked the bank to provide me with original records but Chase has n't provided. 
To me, it is typical " bait and switch '' tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: In addition to our regular monthly mortgage payment, we make extra principal payments to Green Tree Servicing, and designate these payments as additional principal, as allowed by our mortgage.  Green Tree, however, will not apply these amounts to the principal unless they are exactly equal to the monthly payment.  In the meantime, they hold and use our funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (DC).
Issue: Fraud or scam

Complaint: In XX/XX/XXXX I sent an invoice from our company to a client. In early XX/XX/XXXX one of our vice presidents e-mail account was hacked and unbeknownst to him was used to send collection letters and a request to be paid with an ACH transfer. The hacker, using the e-mail account, completed an ACH request form and asked our client to send payment for the invoice which was in excess of {$30000.00} to a JPMorgan Chase account. Our company does not have an account with JPMorgan so this was clearly an attempted fraud. The form gives the JPMorgan account number, routing number, name on the account and the same of the authorized signer on the account which was a version of the name of our XXXX XXXX. Our company name and contact information was also on the form. Our client happens to have a policy to call when ACH information changes so the attempted fraud was stopped this time. 

I called JP Morgan Chase to report this attempted fraud in hopes that they investigate the account so that they can find out if the owner is really the person on the account. If they can find the owner, we would like to take action for this attempted fraud so that it does n't happen to someone else. JP Morgan would not discuss this with us because we are not a customer. Hopefully, there is some kind of way to encourage companies to participate in fraud prevention using information provided from anyone that has it. It was so disturbing that they would n't even look at the problem that I believe that if you are trying to use a bank to commit fraud, JPMorgan Chase is the bank for you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from DIVERSIFIED CONSULTANTS. I had previously disputed this account. I have never done business with DIVERSIFIED CONSULTANTS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that DIVERSIFIED CONSULTANTS Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that DIVERSIFIED CONSULTANTS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Harris & Harris, Ltd. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On XX/XX/XXXX, I received a credit report alert for the first time through XXXX notifying me about a delinquent account that was reported to the credit bureaus ( which had detrimental effect on my credit score ) by a collection agency, named Harris & Harris. This agency acted on behalf of XXXX XXXX Fire Department ( XXXX ) regarding what is perceived to be an overdue payment for XXXX ambulance service on XX/XX/XXXX. While it is true that I had used an ambulance service on that particular date, I had never received a bill through the mail in this regard, bearing in mind that my insurance coverage pays the ambulance service 100 %. 
On XX/XX/XXXX, I contacted Harris & Harris to locate my collection account. I discovered that the agency had me under a different last name ( XXXX and not XXXX ), they did n't have my full address ( just the building address without apartment number ) and did n't have my social security number.  Afterwards, I called XXXX who acknowledged to me that they had sent a bill to an incomplete address ( a mistake from their part ) and that the mail bounced back to them and they did n't search for my information. They also notified me that they will file a claim to my health insurance company and they will pull back the collections claim and apologized for their mistake. Since, I was kept in the dark for a year and I did n't receive a single mail to inform me of these developments from either parties, I kindly ask to notify all credit bureaus to remove any negative impact this situation could have resulted in my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (CT).
Issue: Using a debit or ATM card

Complaint: I went to the TD bank ATM located on XXXX XXXX in XXXX Connecticut this morning around XXXX. I proceeded to withdraw {$300.00} from the atm. The atm stated on screen there were " technical difficulties '' and it gave me my card back, no money, but the funds were deducted from my account. We were going to book our wedding venue and this was a huge burden. I was told to fill out paperwork and " may '' get my money back. Please note that this happened a few years ago for {$200.00}, i filed the correct paperwork and they did not return my money. I found out that there were at least XXXX other people today that this happened to at the same location thru our towns XXXX page. They should have said the ATM was out of order at that point. This has been a ongoing problem with TD bank and they are robbing their customers

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several accounts that are not mine they were opened from my identity being stolen and are fraudulent i have new copies of police report with the accounts listed and an identity theft affidavit notarized ftc listing all of the fraudulent accounts. the report # XXXX XXXX XXXX is the XXXX badge # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Wrong name no XXXX XXXX XXXX and wrong address XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: On XX/XX/XXXX a cashiers check for {$11000.00} was mailed to XXXX XXXX XXXX from XXXX XXXX XXXX to payoff my auto loan. They recieved the check and cashed it on XX/XX/XXXX. XX/XX/XXXX an additional payment of {$500.00} was sent from my checking account automatically by XXXX XXXX XXXX. At this time, the loan is paid off, but Exeter has not returned the {$500.00}. I have called the company on several occasions. The company admits they owe me the money, but does not seem to be able to return it to me in a timely manner. The offshore call center customer service is a collection center and is ill equipped to help customers with any other problems.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Creditor reports payment plan with XXXX balance, when all was cleared 15 months ago through bankruptcy reorganization discharge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: " I '' do not HAVE any " loans '' - I am being SPAMMED in the US MAIL from this private servicing debt collection agency that has PURCHASED my PRIVATE INFORMATION from others and filed FALSE CLAIMS in my bankruptcy in XXXX the FIRST TIME they got in trouble ... NOW - after my XXXX bankruptcy was dismissed without any discharge and my house stolen by other out of state debt collector lawyers who used my STOLEN INFORMATION from the Federal XXXX database - this SAME company is spamming me again. WHEN is the CFPB going to ENFORCE the Privacy Act of XXXX? The Patriot Act + Real ID Act + a Social Security account Number attached to a LEGAL NAME ===does NOT EQUAL A HUMAN BEINGS " debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This company has furnished a closed account to my profile without my knowledge and has no authority to access or posses my personal identifying information.

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