milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Debt collection (Medical debt) with Smith, Rouchon & Associates, Inc. (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXXat XXXX XXXX The company received a certified letter I sent requesting validation for the debt they claimed I owed them. I have no contract with this company. I have sent them a second certified letter claiming I 'd like validationfor the debt they claim I owe. It 's been 30 days since I sent the letters and my credit reports have no been marked as disputed. I have not heard a peep from these individuals. I 'm requesting per fair credit reporting act that these companies be held liable for no following the laws of debt. I have copies of my credit reports and the company did not mark the item as disputed. This company has n't not tried to validate the debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicing company recently changed to Ditech Financial. I have been attempting to reach them for nearly a week now concerning an urgent escrow question. I have been holding for a representative to answer for over one hour and one half each day for three days now. A total of four and one half hours. After each attempt I use their contact box to e mail a message to them. I get their generic " we received your message and a representative will be contacting you shortly '' e mail response but never get a call from one of their representatives. I do not seem to be able to communicate with this firm which is a serious and unnecessary problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 TRANSUNION INTERMEDIATE HOLDINGS, 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 need your assistance in getting these unauthorized inquiries removed from my credit file. All of these inquiries accept for 4 inquiries do not belong to me. I am a victim of identity theft and I have submitted FTC form to the credit agencies and I still have not seen any of these inquiries removed from my credit file. The only inquiries that I authorized are the following : XXXX XXXX ( XXXX ) XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ( XXXX ) XXXX is the number that calls and last contact person said his name was XXXX XXXX with National Credit XXXX. Caller starts off by saying his name then immediately asks for me to confirm my DOB, he does n't state he 's attempting to collect a debt. Before confirming any questions asked I again ask for his name and company info, which causes him to go into a rage saying he 's spoken to me before, that I owe money and he will not help me unless I confirm my DOB. He proceeds to tell me I 'm a dead beat and that the next call he will make will be to my employer. He has also called my parents house as well demanding my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with Synovus Bank (FL).
Issue: Customer service / Customer relations

Complaint: I applied for a secured credit card in XX/XX/XXXX First Progress Mastercard. I was approved and they have a program where a consumer can expedite recieving their card and fund the card within 90 days of receiving the card ... for a cost of {$29.00}, which i paid. The only thing i have received are emails and text messages letting me know that my time limit to fund is about to end. It is XX/XX/2017 and i have yet to see a card, i called First Progress and spoke to a customer service representative named XXXX, whose only concern seemed to be me giving them money to fund, before the time limit ends on XX/XX/2017, a card whch i have not received. I told him that i would not be funding anything and that i would filing complaints with the better business bureau. A friend told me of this agency so i decided to file a cpmplaint hete as well. In my opinion, this company is ripping people off and committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Consumer Loan (Vehicle loan) with BANK OF THE WEST (PA).
Issue: Managing the loan or lease

Complaint: I have had several phone calls rom bank of the west, concerning missed l loanloan payments.after several calls and going over the same reasons why I stoped paymentstoped payments.I agreed to voluntary reprosession of said vehicle. As Ionly had the vehicle in my position for aproxmatly 3 weeks since XX/XX/XXXX to date. Bank of the west said they were taking the vehicleto auction and selling. I have never ben advised of when where or howmuch it was sold for. I have received nothing in writing.My credit report said the account was closed and paid in full. 
Now since XX/XX/XXXX I have received XXXX phone calls from someone who says they oursays they our collection agency.Asking for my social security and address .I told them if they our from the Bank of The West they should have that infoinfo.I felt it was a scam and hungup. I have received no written noticesince being contacted in XX/XX/XXXX by Bank of the West for a latepayment and advising of voluntary Reprossion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Bank account or service (Other bank product/service) with BANK OF THE WEST (CA).
Issue: Making/receiving payments, sending money

Complaint: IN XX/XX/XXXX BANK OF THE WEST FINANCED A XXXX MOTORHOME, WITH {$20000.00}. CASH DOWN, {$15000.00}. TRADE IN ON A XXXX TRAVEL TRAILER AT 8.5 PERCENT INTEREST FOR A 15YEAR MATURITY. THEY OFFERED EACH YEAR A DEFERMENT AT XX/XX/XXXX AND A {$25.00}. FEE AT THE TIME, OVER EIGHT YEARS FURNISHING PAYMENT SLIPS FOR EACH MONTH WITH THOSE EIGHT MONTHS ADDED ON. XX/XX/XXXX CONCLUDED THOSE 15 YEARS PLUS 8 MONTHS, JUST COMPLETED THOSE PAYMENTS IN XX/XX/XXXX LAST. NOW BANK DEMANDING ADDITIONAL {$16000.00}. IT SEEMS THE BANK TOOK THE FOLLOWING MONTHS AFTER DEFERMENTS PAYMENTS THEN APPLIED THE FULL MONTH TO INTEREST ONLY. TO US THIS IS VERY UNSCRUPLUS, AND UNFAIR IN THE EXTREME. NOW CHARGING {$25.00}. EACH MONTH NO ADDITIONAL PAYMENT IS MADE WITHOUT FURNISHING ADDITIONAL PAYMENT SLIPS AS THEY INDICATED ON FINAL PAY SLIP.

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 03/30/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have received a past due notice on my mortgage from, Ocwen mortgage loan XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
My Bank, XXXX XXXX, sends my payment automatically at the beginning of each month between the XXXX and the XXXX. 
My XXXX XXXX payment was sent on XX/XX/XXXX. Ocwen has not cashed it yet. I called and talked with XXXX, customer service number XXXX. He insinuated my Bank was at fault because they are the senders. 
I had the same problem XX/XX/XXXX with Ocwen and I wrote a complaint you people because of a similar complaint in XXXX of XXXX with Ocwen. The difference in XX/XX/XXXX the mortgage payment was sent on XX/XX/XXXX and cashed on XX/XX/XXXX by Ocwen causing a late fee. XXXX and XXXX were resolved pursuant to a complaint made to your agency in XX/XX/XXXX, except for an erroneous late fee they keep sticking on my bill, which I was told would be taken care of, but never was. I do n't know what happens in XX/XX/XXXX, at Ocwen. The other 11 months seem to work sort of, the only problem that continues is an arbitrary late fee that appears from nowhere. This situation is getting extremely aggravating. I have through my bank very detailed documentation if needed. I hope this can be taken care of permanently at this level. I thank you for your past help and your patience for doing this line of work.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX I have disputed this illegal inquiry on my credit report more than a dozen times with Experian. Each time, Experian violates the FCRA and fails to investigate and correct my file. This HARD INQUIRY was not authorized by me, was made without my knowledge or permission, and was NOT FOR A PERMISSIBLE PURPOSE under the FCRA. The Statute requires Experian to delete this hard inquiry in the event it can not substantiate a permissible purpose, of which none exists. 

Yet Experian continue to violate the FCRA overtly, This is wrong, and I formally demand a further reinvestigation into their illegal practices. I can not prove a negative. The burden does not lie upon me. The FCRA was clearly written to protect consumers. How do I prove permission never existed? I can not prove a negative. And yet Experian continues to illegally report this hard inquiry. Under the FCRA, I am entitles to statutory damages of {$1000.00} PER INCIDENT in which Experian does not follow the law. 

Do I really have to sue? Or will the Bureau enforce the law and actually protect consumers? 

This hard inquiry MUST BE DELETED as it was not for a permissible purpose, and not authorized by me. 

I expect the law to be followed and this hard inquiry to be immediately deleted. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX

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 02/28/2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Problems caused by my funds being low

Complaint: I was charged and overdraft fee on the same day that an item was paid in my account. It has not been 24 hours to rectify the situation. The date the transaction was completed is the same day the overdraft was charged ( XX/XX/2017 ). I am also using the banks Merchant Service in which I get charged as well. On this type of transaction I was charged {$38.00} for them taking out {$.00}. I received payments on XX/XX/2017 from Merchant Services ans should not be charged XXXX fees of {$38.00} ( Total {$76.00} ).

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 09-03-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I have my home loan with Citi mirtgae since XX/XX/XXXX my house has been worth less ans less every year since then at one point about half its original value. I have made all my payments on time and never missed a mortgage payment. They adjusted my rate XX/XX/XXXX to a lower fixed rate but my house is still under water. Im thinking qbout walking away drom my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Credit card) with Allied Interstate LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I spoke with a representative 2 weeks ago and told them that I would be paying off my debt within the month. They have been calling me consistently every day multiple times a day ( minimum of 9x/day ) from multiple phone numbers. 
The various phone numbers are from all over the country so it makes it seem like it 's a different company but it 's ALWAYS the same collections 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 non-monetary relief
Consumer complaint received 06-11-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have been a victim of multiple cases of identity theft within the last XXXX years. Most recently, i have been a victim of identity theft about XXXX times in the last XXXX months. I have purchased a protection program with Equifax and have set up Fraud Alerts with all XXXX major credit reporting agencies. Even though I have fraud alerts set up, the credit reporting agencies are still authorizing the opening of accounts without my verification. I have had accounts opened in my name with all XXXX credit reporting agencies. Each agency is failing to contact me to verify that I am opening these accounts. This issue has now negatively effected my credit score. I will be filing XXXX separate complaints for each of the XXXX credit reporting agencies. This complaint is specifically for Equifax, as I have purchased their product that charges me {$19.00} a month, but reap no benefits of the product except for receiving emails that accounts have been opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX is attempting to enforce a cancellation penalty that was never agreed to. I've contacted both XXXX and Convergent requesting documentation that establishes an agreement between myself and XXXX including cancellation fees. No such documentation exist, and thus has not been provided. Despite these request I continue to receive debt collection efforts by Convergent.

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 04-06-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Advertising and marketing

Complaint: I have a Bank of America XXXX XXXX Credit card ... .they had a 5 % cash back promotion which I registered for for purchases made thru XXXX XXXX, 2014. The ad said 5 % cash back on purchases made at qualifying book, toy, electronics, sporting goods and department stores. I made a purchase at XXXX XXXX XXXX -a dep't store in XX/XX/2014. 
I have not received the rebate ... I called the bank 's credit card 's phone # and the agent told me that the reason was that XXXX XXXX XXXX is n't on their qualifying list ... it is considered a " high-end '' retailer unlike stores like XXXX XXXX or XXXX XXXX. 
I believe that this is false advertising ... had I known that this was an unqualifying store, I would have used XXXX of my mileage cards instead! 
The purchase was for some {$110.00} so the cash back would have been about {$5.00} ... but that is n't the point ... .this bank to me, has falsely advertised it 's promotion!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/30/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problems when you are unable to pay

Complaint: I was behind on my car note with capital one around XXXX 2016 or so. I was about 2 months behind or so. I called capital one & ask if I could defer a payment, I worked mostly on commission so my income had dropped drastically. The agent at capital one said there is no deferment program, the agent said there is a fresh start program for me. I believe I owed capital one about $ XXXX- {$1100.00} which was the total of 2months behind & the payment that was due for the month. The agent said we can enroll you in the fresh start program the past due amount goes down by XXXX % to {$730.00} & they gave me another 2weeks or so to make the payment. The next 3 payments after that goes up XXXX % more which was, I believe about {$570.00} or $ XXXX month. My regular car note was $ XXXX month. They told me by doing this, my credit report will not show late, by agreeing to the fresh start program my account will be current. That was the only reason I agreed to the program. I did not like the fact that for 3months I had to pay XXXX % more each month instead of paying my regular car note {$390.00} I was paying {$570.00} but I said as long as it shows no late, that ok. Then just by chance I happen to check my credit report to my complete & utter shock, it showed late for 2months. I called capital one, I said you have reported me late for 2months when I was in your fresh start program, you told me you would not report me late. I spoke with a agent & a manager on the phone, they looked at everything & they said the fresh start is too work out a payment plan, it still will show late, I told the reps at capital one, I was deceived, they fooled & tricked me into getting into this program. Why is it called the fresh start program? It is a misrepresentation & a attempt to deceive. There is no fresh start here, if they would have told me my credit would be damaged, I would have came up with the extra {$300.00} to {$400.00} needed to get caught back up & then just pay my {$390.00} a month. I could not believe that they would say one thing & then do another. I felt like the facts was totally misrepresented here & it was not explain so I could understand it. It was very confusing, there is no way the least sophiscated consumer understands what they are signing up for. Please look into this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (VA mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Application, originator, mortgage broker

Complaint: Suntrust violated the Equal Credit Opportunity Act ( ECOA ) by asking me and refusing me a mortgage because I would not provide my divorce decree. As stated on the https : XXXX # suspect website, " When You Apply For Credit, Creditors May Not ... '', " Ask if you 're widowed or divorced. A creditor may use only the terms : married, unmarried, or separated. ", and " Impose different terms or conditions, like a higher interest rate or higher fees, on a loan based on your race, color, religion, national origin, sex, marital status, age, or because you receive public assistance. ". 

The mortgage representative asked me over the phone how much I paid in child support and also told me she required my divorce decree in an email.

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 06/14/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: MEDICAL DATA SYSTEMS INC is t rying to collect a medical debt amount of {$520.00} and they have placed the debt on my credit report. I had a procedure done a  XXXX   XXXX   XXXX  and I have medical insurance and paid my deductible as well as a bill that arrived at my home. On  XXXX   XXXX ,    2017  I checked my credit report and see that MEDICAL DATA SY STEMS INC is trying to collect a debt I do not owe and they have placed this information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX : XXXX XXXX XXXX XXXX approved a loan for $ XXXX@13.39 % for 180 months with a payment of {$960.00} a month. 

XXXX XXXX : Household Finance Corporation/HSBC purchased the loan At the time, my mom 's income was from XXXX and a small VA pension from my late father and totaled XXXX a month ( we have proof ). Can send copies of the checks if needed. 

We firmly believe this was an illegal and predatory loan. We are currently fighting foreclosure ( court date XXXX XXXX ). 

In XX/XX/XXXX, my wife and I, along with my mother, had the deed changed to a " Right of Survivorship '' deed. When she died, the house became ours. We have jumped through all their hoops only to be repeatedly lied to about getting the loan modified. Finally we were told that there would never be a modification b/c we are not on the loan.

Company response to consumer: Closed with explanation