milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2018 about Mortgage (FHA mortgage) with FBC MORTGAGE, LLC (FL).
Issue: Closing on a mortgage

Complaint: I purchased a home and received financing through XXXX XXXX XXXX in XXXX of XXXX. My mortgage was then sold to FBC Mortgage , LLC at the end of XX/XX/XXXX. Then, without me knowing, FBC Mortgage LLC sold or transferred my mortgage to XXXX XXXX XXXX and Reporting. I NEVER received anything in writing that my loan was transferred from either FBC Mortgage LLC or XXXX. 

Furthermore, I qualified for a 3 month deferral on my mortgage payment because I live in a federal disaster qualified area ( Hurricane Irma ). I called in and spoke to who I thought was FBC Mortgage LLC, but who I have now determined to be XXXX, and was told on XX/XX/XXXX by a rep at XXXX that I qualified to have the 3 months of payments added on to my loan, and that I would not have to make those 3 payments after the 3 month deferral period. I then received a letter in early XXXX of XX/XX/XXXXstating that I did not qualify for a loan modification and would need to bring my balance now in full ( pay for the 3 months of deferred payments, plus present month 's payment ). There are a number of issues with what has taken place here. FBC never notified me, and by law are required to. And the rep at XXXX flat out lied to me on the phone. I thought that I was all clear on the 3 months of deferred payments and would not need to pay those now, and as a result, based on what the rep told me, i used that money to pay down other debts. Thank you for your concern.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit card () with CITIBANK, N.A. (HI).
Issue: Credit line increase/decrease

Complaint: Home depot credit card lowered my credit limit due to inactivity.

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 12-12-2017 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have been for weeks asking assistance due to the hurricane Irma so that one of my payments can be placed at the end of the lease and after having multiple conversations with several representatives of XXXX XXXX, I have arrived to the conclusion that they have made fun of me. They told me that they had already submitted the request for the approval of such assistance, days later on some other conversations I was told that the assistance had already been approved and that there was nothing to be worried about because all was current and in order with the account. Yesterday, I got a letter from XXXX XXXX reflecting still a due amount not corresponding to the supposedly new approved schedule of payments and today I called them out and was told that the request for assistance with one payment at the end of the lease due to special circumstances of hurricane Irma had never been created nor submitted. This is a total lack of respect to consumers which is by the way a pattern with XXXX XXXX due to the their abusive and predatory practices on a regular basis plus the excessive charges and fees that they charge to their costumers constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receiving recorded message daily for 3 months from " Diversified Adjustment Service '' debt collector. The " service '' does not ask for us by name and never has because we believe they are merely attempting to attach a name to our non-published phone number. 
The " service '' always request that we contact them at their XXXX phone number, and we believe that their software will identify the person and no-pub number they are calling daily. Their is never an active person on their end, and they prefer leaving a daily msg on the answering machine. We have had to leave our machine full so that it cuts them off, which means that we can not receive other messages. Why do n't these buzzards have an active representative contact us to verify that they have the correct party/parties? They are merely manipulators attempting to ascertain info from private phone numbers and do not want to divulge who they are wanting to contact because the person probably does not exist. Phishing and unnecessary harassment ...

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Credit card) with Coastline Financial Resources, LLC (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a call from ( XXXX ) XXXX stating that I owed them {$1400.00} from a XXXX account that I stopped paying on in 2012. I advised them that I was not aware of this credit card account and they advised that if I did n't pay that they would come to my job and serve the complaint. I advised them that I was on Social Security and the rep advised that they would take my Social Security check. I attempted to find out the company as I had received a voice mail as well stating to call ( XXXX ) XXXX which goes to Coastline Financial XXXX XXXX. There were multiple calls back to back with a few minute time frame.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Checking or savings account (Savings account) with TD BANK US HOLDING COMPANY (NC).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Because I could not meet the minimum deposit amount I requested my accounts to be changed to simple accounts and pay a min of {$5.00} fixed maintenance fee instead of the {$14.00} or {$15.00} I was being charged. I just notice today that my checking got changed to a simple checking but not my savings account and I continue to get charged a $ XXXX  monthly fee. These fees go back to when I originally opened these accounts in 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This account is not mine was disputed back 2016 ans it was remove from my credit bureaus, Not it appears that new collection agency has being assign, And once again had reported to XXXX and Trans-union, please see attachment 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 explanation
Consumer complaint received 11/22/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: EQUIFAX IS REPORTING A CLOSED ACCUNT I HAVE WITH XXXX XXXX XXXX XXXX XXXX FOR A CHARGED OFF AMOUNT OF {$15000.00} AS OPEN THROUGH NUMEROUS CREDIT REPORTING COMPANIES. XXXX XXXX AND MYSELF HAVE COME TO AN AGREEMENT TO SHOW THIS ACCOUNT AS CLOSED ONCE THEY REPORTED THIS AS XXXX ADDITIONAL INCOME TO THE IRS WHICH I WAS MADE TO PAY TAXES ON. XXXX AND EQUIFAX REFLECT THIS UPDATE. I NEED EQUIFAX TO SHOW THIS ACCOUNT AS CLOSED AND NOT OPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: Post the Equifax breach I tried on XX/XX/XXXX to reach out both online and phone to Equifax 3x for a freeze.  Both systems booted me or did now work.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Accounts appears as potentially negative with a open date of 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Checking or savings account (Checking account) with KEYCORP (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have a checking account with key bank. They are supposed to update my direct deposit and bank balance with XXXX XXXX ( a third party that I have authorized access to that information ) Key bank is not sending timely updates as they are supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MOHELA (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed Inaccurate reporting of MOHELAXXXX XXXX XXXX   multiple times with XXXX, XXXX and XXXX with no help. These are not my account. 

MOHELA/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late MOHELA/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$2900.00} 120+ Days Late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: after sending multiple certified letters to ad astra and filing complaints XXXX and XXXX, ad astra asked me to go onto the ftc id theft website and send them a copy of this to get the tradeline removed. I have done this and sent them a certified letter that was signed for on XX/XX/XXXX. This still has not been done, even though i have done what they have asked. Ad astra continues to work in bad faith by not honoring what they said they would do. I have never done anything with this company.. i do not have a signed contract with this company nor do i owe this company any money. this is a BAD DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX charged me for a loan insurance in case I become unemployed in 2009. When I become unemployed and went to use the insurance, they denied my claim saying that it was n't that kind of insurance. After much discussion, they agreed to drop the charge making me owe nothing. Months later, I started receiving calls from Midland Credit Management. I disputed the debt and told them that I do not want any more calls. They stopped for a few years but recently started calling again, 3 or 4 times a day. When I answer, they hang up. I 've called them and last time I spoke with anyone, the lady said, " Yes, your file shows that you did dispute the charge and we found in your favor, you owe nothing. It also states that you do n't want to receive any more calls. '' I asked her why I am receiving these phone calls and she hung up on me. Since that day, I am still receiving calls 3 or 4 times a day and I just tried calling them to be hung up on again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received an email alert from my credit monitoring company about a collection hitting my account. I was not aware of this debt. I contacted the collection agency and they would not disclose any information about who is filing this collection. The agency said their job is to collect the debt period. To make matters worse, the debt is from XXXX of XXXX. I asked why no one had contacted me prior to placing a collection on my account. The collection company, PRO COLLECT, had no response. I have been at my current address since XXXX of XXXX. So there is no reason I should not have received a bill. In XXXX of XXXX I was working for a large computer company and IF I did go to the medical facility as they have indicated my company insurance would have pay any charges and informed me directly if they were not going to pay a particular charge. By waiting 6 years to attack me, my insurance company is now out of the picture. I do n't think this is fair. I have a high credit rating because I pay my debts. I do n't like the way this company can place a collection on my account without ever telling me. XXXX the comments I kept getting from different people I spoke with at " PRO COLLECT '' was " Were sorry if you never got a bill ''

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (I do not know) with Glass Mountain Capital, LLC (UT).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I began receiving calls from an unknown number which of course I do not answer. It apparently appears to be a collection agency as I believe I 've gotten voicemails. On  XXXX / XXXX /  XXXX   I received a call from a similar number but la st 4 digits  slightly different (  XXXX  ) and was waiting for a voicemail to identify who it was. It was a  3 sec ond message of a man saying "   XXXX   XXXX   XXXX   XXXX    ''. This m orning I received a text message from  XXXX  asking " is this ______ ''. I feel it 's clearly an illegal attempt to have me respond in order to get me to call and collect a debt I do not believe is accurate. I understand that it 's illegal for them to send texts or emails that trick or harass you into contacting them so they can collect money. By law, de bt collectors have to tell you who they are, no matter how they contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Medical) with Debt Recovery Solutions, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Recently while conducting a monitor of my credit report I discovered that DEBT RECOVERY SOLUTIONS # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to DEBT RECOVERY SOLUTIONS to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than basics to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency

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 01/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: FedLoan Servicing, a private entity, manages my federal student loan. FedLoan Servicing, without explanation or legal authority, limits electronic payments to XXXX ( XXXX ) per month in order deny loan recipients the opportunity to quickly and easily repay the loan. Moreover, FedLoan Servicing, without explanation or legal authority, refuses to accept payments on weekends, yet continues to assess per diem interest on weekends, to the great detriment of loan recipients.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I returned equipment to XXXX,, after waiting 2 months for them to send me a returnable shipping container. I finally got tired of waiting and returned it to the local store in XXXX, XXXX. I got a receipt for the returned equipment, showing a XXXX balance, that was in XXXX XXXX. I have been receiving monthly bills asking for the equipment or money. I have talked to XXXX at least 6 times and as late as XXXX XXXX. I received a call from XXXX XXXX, ( XXXX ) a debt collector from Central Credit Services, out of XXXX XXXX, XXXX. I told XXXX XXXX there was a mistake and I did n't owe anything. I told him that I have a receipt for what the item returned. I told him him I would find it and mail him a copy of the receipt, which I did the next day. I also sent a copy to XXXX. I asked that they stop bothering me when I sent them a copy of the receipt and a letter of apology. I got neither, because now I received amother letter asking for 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 explanation
Consumer complaint received 05/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with loanDepot.com, LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: Unfair loan process, poor communication, unprofessional company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Bank account or service ((CD) Certificate of deposit) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: I have a {$500000.00} CD in the BBVA Compass bank. The CD matured while I was out of town on businesstrip. The BBVA rolled the CD into a CD with 0.1 % interest. It was few days pastthe 10 days grace period when I found out the CD had rolled into another one. I asked the CD be broken and I would pay the usual 3month or 6 month interest penalty. I was told that there would be a 3 % penalty and Iwould have to pay {$15000.00} for early withdraw. The agreement I signed says at renewal, the bank will " disclose renewal terms '' to me. They never disclosed this 3 % penalty tome and this penalty was not in the original CD I signed up for. I have talked to theprivate banker, branch manager and district manager and they all say the 3 % penaltyca n't be waived. In fact some of the individuals I talked to at the bank were surprised by the 3 % penalty and told me that they also believed this to be excessive. I believe the action of BBVA with regards to this CD renewal isunethical and represents an unfair business practice. They did not " disclose '' the termsas they should have. I am a small business owner and I might have to go get a highinterest loan for my business while BBVA is holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: TransUnion denied a copy of my free annual free report, despite my last free one being dated XXXX XXXX, 2015. Instead TransUnion sent a latter requesting payment of {$8.00}, or alternatvely sending a request to Annual Credit Report Request Service. The latter is what I did already, along with copies of my driver 's license and social security card.

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 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Global Trust Management LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Account was sent to collections ( XXXX XXXX XXXX ), account was sold to Global Trust Management. Account was paid, neither XXXX or GTM will report information to credit repositories. Disputed account with supporting documentation ( receipt from GTM ) and XXXX still reporting account unpaid - been 60 plus days and disputed account and XXXX does not own account - sold to GTM and is paid. Serious Violations of FCRA. ( did not receive right-to-dispute from GTM and XXXX not deleting account on credit report and acting as unaffiliated third party.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I ran my credit report XXXX 2017 as I am attempting to purchase a home ... I saw XXXX XXXX XXXX on my credit report. I contacted Capital One, I attempted to have it removed, they claimed that it was valid so I contacted the collections agency, I advised the agency that I needed it removed and cleared from my report, they promised it would be removed once I paid so I paid it but it still remains on my report, the balance is now XXXX but Capital One still shows under the collection tab with a XXXX balance. I need this removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 requested a tax lien withdrawal and provided copies of the lien release. Both XXXX and XXXX removed the tax lien without additional information being needed. Experian requested additional information ( name, social security, address, and description of the problem ), which was already included in the original request. This appears to merely be a stalling tactic used to delay and discourage consumers. I would like to resubmit this tax lien withdrawal from my Experian 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