milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Last week, XX/XX/XXXX2017, I noticed with my Walmart Master card that the XXXX XXXX had lowered my credit limit. The reasons stated over the phone were that I had a delinquency on my credit report. the only reason I was told this was after spending 30 minutes on the phone with Walmart trying to get contacted to a customer service rep. This information is false and with further research I have zero. I actually have never had a delinquency. Walmart never called me nor sent me a letter stating that they were doing so. I have not had this issue with any other credit card. I also pay all of my credit cards on time and never missed one payment. This has significantly impacted my credit score by almost 14 points. I feel as though lowering my credit limit has impacted me more negatively then it would have been if they just left it alone.

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 03/31/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (MS).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased the home in XX/XX/XXXX and my son passed away in the home XX/XX/XXXX. He was only 7 months. I struggled with XXXX until XX/XX/XXXX when I succumbed to it. I went into a XXXX for 1 week then I went on a XXXX leave for 3 weeks after that. When I returned to my job, where I was making close to around {$3500.00} a month, I found that they had replaced me and placed me in a lower paying position where I was only getting paid half of that. I can not, financially or mentally, live in the property. My mortgage is being serviced by Penny Mac Loan Services and XXXX XXXX, my SPOC, told me that there is no opt out option for USDA loans and that I would qualify for a repayment plan? I 'm not sure how, being my income dropped. All I want to do is a deed in lieu. I told him this and he is now asking for documents that I have already sent him XX/XX/XXXX. So, it seems to me that they are very unorganized or just throw away my paperwork. I 'm very upset with the way they are handling this. Not to mention, the lack of sympathy. I do n't mind paying what I am delinquent for, but I will contact USDA myself about doing the deed in lieu, because Penny Mac seems to want to give me the run around instead of trying to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: hello my name is XXXX XXXX. i have recently came across an issue with my credit report. two years ago i was receiving help from XXXX of XXXX county and they provided assistance with repair my credit due to many errors on my credit report. all XXXX bureaus ; equifax, XXXX, and XXXX had false information. well i made a dispute with all XXXX bureaus and the only bureau that corrected my information was XXXX. i would like XXXX and equifax to acknowledge my dispute and fix my report as to my attachment i have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Credit card debt) with DISCOVER BANK (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX XXXX, junk debt collector trying to collect on a debt that was XXXX in bankruptcy in 2005. 
Calls repeatedly numerous times of the day. Have explained the debt was XXXX in bankruptcy and asked them to stop calling. They hang up on me and begin to call the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (I do not know) with Arcadia Holdings, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Arcadia Recovery Bureau rep called me today to ask me personal information such as to verify my addrees. to provide them with the year I was born, and I do n't know how many other questions in their list. 
The lady did n't say who they are, what they do or what are they calling me about. Instead they want me to give them personal information. 
I have nothing pending on my credit history, as I just got my credit pulled out last week and it was XXXX. 
This person who is calling in behalf of ARB is very aggressive and calls me during working hours at my office. Please make her to stop and as I asked her, to send me a letter. ( I asked her that, but she did n't understand )

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 05/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: You responded to my prior complaint finally. Now why would I want only  XXXX  card assisted with? Why did I give enough info for  XXXX  account to be reaged but not the other? You bank does n't help and does n't make sense. The same info was provided for both accounts and I HAVE given you all my financial information. Pull the earlier calls then. I 'm going to blast this everywhere on social media. You are saying I have enough to rage  XXXX  account but not another. Unfair and discriminatory. Your bank acts like I 'm trying not to pay my bill at all. That 's not what 's happening.

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 08-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Had a chapter XXXX bankruptcy case from XX/XX/XXXX. A Motion to release from stay was filed for nonpayment and a consent order was granted. This case was dismissed due to other issues XX/XX/XXXX. XX/XX/XXXX a new case was filed and the post petition payment was due XXXX XXXX, XXXX. The payment was made on XXXX XXXX, XXXX and cleared my bank on XXXX XXXX, XXXX. XXXX XXXX, XXXX Called in to Wells Fargo to make XX/XX/XXXX 's payment and was told that I owed for XX/XX/XXXX. This repeated for three months. They have refused to acknowledge or properly post my payment. They are threatening to filed a motion for relief when they have my payment. I want them to post my payment and properly and accurately post a status. The confusion may be of the dismissal of one case and the quick refile of another however I have communicated to this with documentation at least twice.

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 06/19/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Unsure of date, months ago they called and asked for me by name. I verified and they asked for my birthdate. I asked what it was in reference to and they said they needed my date of birth to continue. I told them I would not provide that and to send me a letter in the mail. They said they would send me mail but they have not done so since that phone call months ago.     They claim I owe a debt to a local hospital but I have no recollection of said debt. They call from multiple numbers in different states. Last call was  XXXX   XXXX  a t    XXXX   XXXX  , central time, from  XXXX .     Their last known address is Commonwealth Financial Systems , Inc .    XXXX   XXXX   XXXX .    XXXX   XXXX , PA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Making/receiving payments, sending money

Complaint: Describe what happened so we can understand the issue ... 
Naval Federal Credit union fail to pay bill as though their bill pay as agreed resorting in my credit going bad they told me they was going to depute the to each reporting company and did not also was to send me a copy of what they did and have not done so this was done to hurt my credit and then refused to help resolve the issue they made and lied about it which is why they did it intentionally They said they sent you a letter to give to me. Never got it They are now retaliating against me by not paying my bills as set up in the system and scheduling payment early so they can charge me a fee. They claim they ca n't see my records lie lie its in their system. They agreed to send a letter to the reporting agency 's and was sending me a copy by mail, when asked they sent it to you to give to me still do n't have it. Their current action is retaliation for filing prior complaints. They have and to continue to mess-up my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (I do not know) with Alpha Recovery Corp (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a call on my cell phone by a person who identified herself as XXXX XXXX. XXXX XXXX then read my date of birth and last XXXX of my social security number to me. She did not ask me to verify it. I asked to speak to a supervisor. The supervisor name that I spoke to was XXXX XXXX. The supervisor went on to do the same thing. She provided me with the last XXXX of my social security number and date of birth. I explained to her that this was a violation of my personal rights. She could have provided my information to anyone. Now anyone that answered the phone could be applying for credit under my name. I explained to her repeatedly that to apply for a credit card many companies only ask for your date of birth and the last XXXX of your social security number. The supervisor states that what she had done was completely legal. Giving my information out over the phone is completely ok.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/30/2017 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (FL).
Issue: Settlement process and costs

Complaint: Gentlemen : This Company ( PHH XXXX, XXXX NJ XXXX ) has failed to provide me with a " Release of Liability '' upon a fee of {$900.00} which I paid on XX/XX/2014. Please advise. Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (I do not know) with Ditech Financial LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Rec 'd letter from Ditech Financial LLC, Attention : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, dated XX/XX/2018. They are attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX. The Ditech Account Number : XXXX. 

I am not the XXXX XXXX. XXXX they are searching and am irritated by Ditech 's tactic to send this notice to all XXXX XXXX. XXXX in the hopes of finding the right person. I am now having to spend my personal time to confirm to Ditech they have the wrong person due to their tactic and incompetence. 

Therefore, I am requesting Ditech to cease further communication with me, and want Ditech to send me a check for {$54.00} ( my hourly wage ) for my time and effort to respond.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LENDMARK FINANCIAL SERVICES (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX stated that they sold my bad debt to XXXX XXXX on XXXX/XXXX/XXXX which is incorrect. According to XXXX XXXX they obtained my account on XXXX XXXX, XXXX, therefore XXXX is still reporting false inaccurate information. There are XXXX accounts listed on my credit report from Lendmark Financial one ending with # XXXX in the amount of {$2000.00} and the other one ending with # XXXX in the amount of {$1400.00}. I only had XXXX account with Lendmark and each time Lendmark sold or transferred my account they created a new account number which also added another tradeline to my credit report creating multiple tradelines from the same creditor which has severely affected my credit rating even more. I have made several attempts with Lendmark to correct this matter but I was only disrespected and humiliated and hung up on by one of the managers, and XXXX representatives. I have also disputed this matter to all the credit bureaus and nothing has been done, but Lendmark manages to constantly update my credit report with new or updated information according to the credit bureaus, which is still affecting my credit rating. Again if my account has been sold to XXXX XXXX and they are collecting on this debt as well why is lendmark still reporting on my credit report. I am requesting for the fifth time that Lendmark remove there multiple tradelines from my credit report and allow the company that they sold the debt to, to collect on such debt.

Company response to consumer: Closed
Consumer complaint received 04/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On XXXX XXXX, 2016 I was informed that TransUnion investigated my complaint regarding a disputed debt that I had no personal knowledge or any information from any source regarding the alleged debt. I contacted TransUnion on XXXX XXXX, 2016 and was given to a representative in XXXX who kept on stating that TransUnion did a proper investigation that substantiated that the debt was valid. I said that no one contacted me and showed me any documents that supported this unknown debt. The representative indicated that TransUnion had no responsibility regarding this matter except for contacting the collector. My understanding of the law is that the credit agencies have a legal responsibility to ensure that no fraudulent information is provided to the public regarding an individual. This activity on behalf of TransUnion and the collection agency, XXXX XXXX XXXX XXXX XXXX MA is against public policy and should be investigated and stopped. 
Sincerely, 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 01/24/2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT DIVERSIFIED CONSULTANTS Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the  pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DIVERSIFIED CONSULTANTS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: GE said I opened an account in 2012. I did NOT open an account in 2012. It is a deceptive practice to keep derogatory marks on my credit.

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 06-05-2017 about Vehicle loan or lease (Lease) with MERCEDES BENZ FINANCIAL SERVICES (DC).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I executed a lease transfer agreement with Mercedes-Benz Financial Services ( MBFS ), which finalized on   XXXX   XXXX   XXXX  . MBFS managed the process by which I took over ( assumed ) an existing lease.
<P/>
MBFS transfer requirements included advance payment of one month lease plus a transfer fee.
Both there payments were submitted, and were accepted and processed by MBFS. I have been making regular lease payments on the   XXXX   of each month beginning with the   XXXX   payment, and seeing a subsequent {$0.00} balance.
<P/>
Sometime following my payment on  XX/XX/XXXX  ( and showing a {$0.00} balance ), I received a call from MBFS collections department stating I was in arrears. ( The amount deemed late was equal to exactly 1 month payment plus the transfer fee amount of {$610.00} ). I called MBFS and was told that on @  XX/XX/XXXX  " someone '' had " removed '' those two payments from my account. The representative stated that he did n't know why and would start an inquiry and that I would be contacted in 2 business days.
<P/>
6 phone calls later by me trying to fix this, and incessant robo-calls from MBFS collections over two weeks, has me getting nowhere but very frustrated. On my last call of  XX/XX/XXXX , the reps were unable to connect me to a supervisor as I requested. I give up.
<P/>
The ground level employees answering the phone are cordial and seem genuinely interested in providing assistance, but it only results in my hearing about the limitations of one department and how it 's the responsibility of another department and enduring multiple transfers and long hold times, only to start over explaining the issue. I 've spoken with 3 or 4 departments all to no avail.
<P/>
This is disjointed and represents an unreasonable burden on a faithfully paying customer. I 'm sorely disappointed in MBFS and their lack of supervision and oversight.
<P/>
I 'm requesting assistance in having this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Consumer Loan (Installment loan) with Resurgent Capital Services L.P. (MN).
Issue: Managing the loan or lease

Complaint: I have not been given credit for the payments I have made since XX/XX/2015. It appears more has been added to the report. I do not have a contract with LVNV and will be filing a counter suit in XXXX if they do not remove the derogatory remarks. I have not missed a payment and I assured them I would pay XXXX through correspondence. They refuse to correct the report. They bought the loan from XXXX who I am unable to co tact. I have disputed this previously,. To date I have paid {$920.00} and have proof through bill pay from my bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: I get paid every other Friday. I checked my bank account on XXXX XXXX ( Thursday ) at about XXXX XXXX and my account was positive. I woke up on Friday after getting paid and I had {$210.00} overdraft fees. I called and spoke to customer service the next morning and explained the situation and XXXX from Regions told me that a check cleared on the XXXX. I explained to her that when I checked my account at XXXX XXXX that it was in the positive and why did I get so many OD fees? She could not give me a time that it cleared. I went the local Branch of Regions and spoke to the Branch manager and he said that he would have to send the situation to his regional manager and get back to me. I called back a couple days later and he said that a check cleared on the XXXX but he too could not give me a time when it cleared and said they could not give me any of the OD fees back. He said that they have a XXXX in a lifetime forgiveness policy and could not help me. I called channel XXXX news cause of his demeanor and the way XXXX treated me on the phone and XXXX from Channel XXXX gave me this link to contact to send a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been ( robo ) called everyday by " Convergent Outsourcing '' who ( once I identify myself ) stated they were representing XXXX and trying to collect on a past due bill. I explained that when I closed my account, I was told everything was in order. They insisted I owed ( roughly ) {$190.00}. I asked that they email me an invoice or provide some sort of verification. They refused. They have called me several times everyday since, and today called my ex-wife and left a message stating they were trying to collect a debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation