milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I checked my credit on XXXX XXXX around XX/XX/2016. And then again around XXXX XXXX. There were inquiries that were removed and put back on. I Called and spoke to numerous reps and they refused to connect you to a supervisor or anyone in American offices to remove the inquires due to the Transunion Glitch. Some of the representatives were even belligerent and knew of the issue but told me too bad. I would like the following inquires removed as a result of this : XXXX XXXX XXXX- XXXX XXXX, 2016 XXXX Dba XXXX- XXXX XXXX, 2016 XXXX- XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX , 2016 XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX , 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX- XXXX XXXX, 2016 XXXX XXXX XXXX -- XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX -- XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX -- XXXX XXXX, 2016 XXXX -- XXXX XXXX, 2016

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 08/23/2017 about Debt collection (I do not know) with ROC Asset Solutions, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I ( and my family ) received several phone calls from a company called API stating theh were hired by XXXX  and that they are going to sue me for over {$13000.00}. However, I contacted LoanMe said they sold my account to a third party collection agency ( that agency is not API ) and the amount sold was {$4000.00}. A woman named XXXX first contacted me ( and my family members ) on XXXX and she proceeded to tell my family members that I had a legal matter that could effect me financially for up to 10 years. I called her on XXXX ( details are explained in a complaint I filled last week ). Yesterday she called me again stating I was going to be sued and then today she called me again threatening to call my employer. She also called my family members today as well, calling one two times in a row, leaving the same message as before ( that I had severe legal matters that need to be taken care of ... so on ). I have not once received any written notification that they now own this debt, not have I received any written letters that would allow me to properly validate this debt. She stated they were hired by XXXX, which I have verified with XXXX is false information. At this point I would consider this harassment of not only me, but my family as well. This is also a violation of FDCPA policies, by calling me ( and my relatives ) and  threatening me before ever sending any written notification of them owing the debts and of my rights for validation and by stating that they were hired by XXXX to fulfill their legal acctions.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My loan was transferred to UHEAA from XXXX. The monthly payment increased from XXXX to XXXX, they are unwilling provide an explanation for this increased.

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 05/27/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had a fire on an out building built long after mortgage was secured ( did not originate with ditech ). It was a therapy building for my XXXX special needs sons. Since I have a mortgage the insurance company had to include th on the check. I still owe funds for this building ( put on my cards ) I contacted Ditech to get the ball rolling so I could pay off this debt. I was told I could not and needed to sign the check and send it in and then they would regulate the rebuild. Finally on XXXX XXXX I called back to speak wtih a supervisor to get more details and to explain my situation. Spoke to a rep that gave every detail. We went over this again before ending the call so I made sure I got what they needed. WA sold a letter/adjuster report stating it was a total loss ( since that makes a huge differwnce ) & that it indeed is a separate structure from the home. I did this and sent in check so they would endorse and return like I was told. Today I called to follow up and they will not endorse it, I have to rebuild under their guidlines or put it towards my principle. Based on my prior conversation which rep today stated she saw I was told that I could opt to not rebuild IF insurance company stated total loss of separate structure. I mailed that certified with check ( unendorsed & took pictures of what I sent ). The rep stated only the check is on file as well. This does not impact the value that I mortgsfed, in fact the value of my home is way higher now and I should not have to pay a debt for this building when thay is the purpose of insurance. Thank you and feel free to contact me at XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Bought a timeshare through XXXX XXXX while under the influence. I emailed them to cancel it within the 120 day period and it was being disputed. Did not have any contact with debt collectors, assuming that this was taken care of. I tried to get a mortgage, and found out through a credit report that they had filed to collect once again. I only found out through the credit report about the collection. I still have not received a phone call, email or even a letter telling me I still owe them money. It has been in dispute all along.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX a collection was put on my credit for {$140.00}. According to XXXX I missed payments for 5 consecutive months starting from XX/XX/XXXX. In XX/XX/XXXX I had moved and canceled since I no longer needed them.

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 04-04-2016 about Mortgage (Other mortgage) with Long & Foster Financial Services, Inc. (VA).
Issue: Application, originator, mortgage broker

Complaint: A representative from Prosperity Home Mortgage contacted me about pre-qualifying for a home loan. During the conversation he indicated he obtained my information from XXXX XXXX XXXX in XXXX, VA. I did not authorize the sharing of any of my information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (AR).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: On XX/XX/XXXX I stuck a XXXX in my car, the next day we called and started the insurance process, the following Thursday XX/XX/XXXX night we struck another one. Went ahead and filled a police report for insurance purposes. Once I spoke to my adjuster he decided to just keep one claim since the damage was primarily in the was same position. But with the second hit it made the car non-drivable. So Friday we went and got the rental car our insurance company provided. However once I revived the insurance check, I had to mail it to my finance company XXXX XXXX. When I first reached out to them they provided me an address to mail it to them ; took it to USPS and they told me they couldnt find the address so I finally got A address that was real. So over nighted the check to them on XX/XX/XXXX, it was revived on XX/XX/XXXX. However the address that was given to them was a XXXX XXXX of a bridgecrest represtive. Now its 10 days later and theyve yet to receive the check. And they cant tell me where its at. And my rental car time is running out. My XXXX son is having XXXX XX/XX/XXXX. And I have XXXX other small children. And they cant tell me where at XXXX dollar check is at and have no interest in finding it.

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 05/19/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (AZ).
Issue: Managing the loan or lease

Complaint: I purchased a laptop computer on line from XXXX XXXX. This is the XXXX XXXX I have ordered and all have been defective and had to return them. I purchased this XXXX through a different vendor thinking that would help. It came to me messed up so I called XXXX who worked with me to fix it however, it did n't fix it. Now it is even worse. I tried to return it as the ship date was XXXX XXXX, 2016. They said it had to be returned the XXXX since I ordered it on that day. This computer is useless and I can not use it. This does not seems right to me at all. I am simply out the purchase price of a defective computer.

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 03-10-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Each month when I pay my mortgage and escrow, Wells Fargo take my check and places it in an " unapplied '' account. The problem here is recurring and in XXXX 2015 Wells was found to have misapplied funds and was led to back track and make corrections. 

The problem persists because Wells refuses to address the issue of the errors in the ledger and therefore continue to misapply the account management. The error here is very clear and if Wells would make the correction, this situation would be resolved. 

This is the error that is causing the " unapplied funds '' Tax : XXXX Ins : XXXX Escrow XXXX However according to your Escrow records ( XXXX/XXXX/2015 ) was there is a standing escrow balance of XXXX. 

Escrow account : XXXX Pre Balance : XXXX correct Escrow XXXX Wells Fargo has made no effort to address this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MOHELA (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX Bank XXXX XXXX transferred my loan to XXXX while I was in a XXXX XXXX. This debt was paid then forgiven by XXXX however XXXX Bank XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the XXXX credit reporting agencies to correct this information to no avail. I also provided the XXXX credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my XXXX XXXX Attorney and will file a grievance with the bankruptcy court against this company and XXXX credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (UT).
Issue: Making/receiving payments, sending money

Complaint: I submitted a debt collection harrassment complaint against Home Depot - Citi. Case number : XXXX. They responded with a demand notice for payment. I went to pay that debt today the due date, even though XXXX days late. When I entered their site, I had to go to a credit center, then select the card I wanted to pay. It was very difficult to figure out what sign in to enter. I was registering for a Home Depot on line account when I realized it was no the correct place. In small print at the bottom of the form was - are you trying to pay a credit card, click here ... It was very deceptive and an attempt to gather my information for unecessary reasons. When I finally got into my account, I clicked on Make a Payment. The form took me to an update contact form. It required my home phone number, which is a cell, and I did not want to give it. I provided a work number instead. I removed my cell. On Save, it said, sorry we are unable to process this. I did this XXXX times, and it would not let me make a payment. I finally clicked on another menu item - Account Profile. In this form, it let me edit my information, and it did not require a phone number. They had also put my cell number in my home number field, which I did not do. I removed both, neither were required to save the form. After saving it, I clicked on Make a Payment, and it finally let me make a payment. The required phone number on the first request was deceptive, abusive, and their form did not let me make a payment. This kind of service is abusive, confusing, deceptive, unrealistic to consumers. Citi should be fined and forced to stop using these tactics they can not support customers. They harrassed me with XXXX calls a day every hour and then their stupid system would not let me make a payment. This kind of treatment HURTS the Home Depot brand. I 'm pretty sure this tactic was a abusive response to my creating a complaint earlier, which is AGAINST THE LAW to take action or treat me different on my account just because I submitted a complaint. They can not treat me any different based on race, etc. or if a complaint is issued against them. This is abusive and against the law and Citi should be held responsible for this unlawful and abusive tactic, just as they should be held responsible for the abusive and repeated calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Credit card) with ZENCO COLLECTION, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The company who left a viocemail didnt identify, just said they would file against my social security number, called back to ask for company name, person kept hanging up and said not to call unless I am ready to make a payment. Finally got ahold of someone with the company told me the company is called Zenco and they are based out of XXXX Texas calling regarding a debt from XXXX XXXX XXXX, they would not provide any license number for the company or debt collections. 

I told them this 'debt ' was settled with XXXX XXXX XXXX , XXXX , years and years ago. They told me because I called them back I agreed to pay the debt. I told them that is incorrect. 

While I was on the phone with FTC Texas Attorney General and Texas Secretary of State, this bogus company is calling ALL of my relatives. Based on Attorney General 's office and Secretary of State, this business is not registered with the state or the county, as required by law. 

I can not get them to stop calling my family and every time I contacted the number listed on their website I was told no one is available to talk. They are harassing me and my family and threatening bogus filings which I was told is illegal to 'file ' anything against one 's social security number. 

I want this company to leave me alone and stop the threatening harassing and illegal contact.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 01/13/2018 about Debt collection (Credit card debt) with Firstsource Advantage, LLC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I started receiving phone calls from this number on my personal cell phone, home phone, and work phone on X/X/18. First and foremost they are NOT to contact my job for any reason. This is a personal matter and it should/will be handled as such. My number one complaint is that they are calling me asking me to verify my identity via social security number and date of birth to some strange person who advised the call is being recorded. If you are calling me in reference to a debt and I have verified that you are speaking to the person you asked for I will not give you or anyone else who is calling me from some XXXX my personal information There are too many scams going around and the only thing they would provide to me was that they were calling on behalf of XXXX XXXX and would n't give me anything else. I have not received anything in writing from this alleged debt collector about what or who they are and what they are trying to accomplish.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Problems caused by my funds being low

Complaint: I received this voice mail ... This message is intended for my name. I received the fax order regarding a complaint that was filed against you. I have been retained to serve you with documents to appear at either your residence or your place of employment. If you have any questions or concerns about the complaint or wish to rectify the matter you can hit any key on your phone to connect to our office directly or call us at the following number XXXX. When calling please reference file number XXXX****. You have officially been notified. 
This is my former married name. I called the number back and the person stated they were representing Fifth Third Bank and the charges were Breach of Financial Contract and some type of Fraud. I advised I had an Attorney as this was under a bankruptcy and the call ended abruptly without any information being shared regarding this. I called back and asked to confirm the information that was told to me and a gentleman answered and responded with " since you know everything I really should n't have to tell you anything. '' I shocking said " what kind of business is this? '' He replied " again ma 'm, since you apparently know everything do n't you need to tell me what kind of business this is ... i do n't need to tell you anything '' and hung up on me. Absolutely shocked I immediately called back and talked to the original person I talked to the first time and confirmed the " charges '' that were to be put on me for this debt and again informed this person this was under an active bankruptcy and i have an attorney and reminded him of the law. I also asked him what the name of his business was and all he would tell me is the Law Offices of XXXX located in Tennessee. That 's all he would tell me. My initial findings is that business does not exist and i do not think this credit collections company is legitimate as after talking to my Attorney he informed me the company handling this particular debt is in New Hampshire and it 's not this company. This, along with many other scam artists like this, are using scare tactics to prey on people to take their money illegally. This needs to be stopped ... XXXX by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Checking or savings account (Savings account) with BARCLAYS BANK DELAWARE (FL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I sent written instructions to Barclays Bank to close my savings account ending XXXX. The terms of the account say that I can close it at any time. Rather than closing the account, they have blocked me from sending correspondence. Note that the terms of the account do not require that I call them and I refuse to do so because ( 1 ) there is no written legal record of the closure request if it is made orally and ( 2 ) this is a blatant attempt to make it difficult to close accounts in the hopes that consumers simply keep them open.

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 06-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work with Ocwen since XX/XX/2016 to secure a loan modification. After many phone calls I noticed they were asking for the same information over and over or just not listening to what I had to say about my hardship. My work schedule is very irregular I work nights and may be away from home for several weeks at a time, also get paid from several different companies, since I was having a hard time explaining this to Ocwen, I asked my former Real Estate Broker to help me. With help of my brokers staff which includes people very familiar with the mortgage industry we have emailed and faxed over XXXX pieces of documents, including over XXXX very detailed letters of explanations, and signed and dated HR verifications, which it seems like Ocwen does not read at all?? or their staff does not understand English, as I would repeat almost the same exact thing in each letter and then was asked to send it again. 
My Broker and I both kept very detailed logs and noticed they kept on asking for the same documentation and they kept on asking us to change dates on the same documents add signatures at the bottom or re-send the same documents, which they admit they have but they want us to send in a different order?? I am now FULLY convinced that Ocwen is a scam and playing deceptive games and plain lying and just trying waste my time. If you look up the definition of " FRAUD and DEPECTION '' in the ENGLISH dictionary, this exactly what Ocwen is doing. We have asked for a supervisor to assist us on 4 different phone calls and sent the documents directly to XXXX different supervisor via fax and after each follow up phone call we are asked us to sign the same documents. Now after 6 months we have been asked to re-send the entire package to them again, why is this company allowed to lie, deceit and falsely advertise that help homeowners in getting a loan modifications? Is n't this type of action again the law now? I am formerly asking the CFPB to investigate these actions and ask Ocwen to get a supervisor that can actually do something for me, not just ask for the same documents week after week and then ask me to start this process over again.

Company response to consumer: Closed with explanation