milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received proof of any debt and an opportunity to dispute it. I have contacted Hunter Warfield directly and they confirmed they had the wrong mailing address and that I did not receive any documentation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I never received any bill only harassment phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Each time that insurance premium is due, they ( OCWEN ) say do not have insurance. They pay late. This time they have not paid, and I now do not have insurance, but I bet they are going to charge me to have their ( OCWEN ) insurance. You can get backup from me and my insurance carrier. They also, for a time was not applying that paying extra monthy, that paying bi-weekly and not sure where that extra money was being credited. When reported them last go round, I went from owing about XXXX to XXXX just like that. The company is not easy to get a person and if you do, they can not tell you anything, you must contact this number. We pay on time and extra, and I expect to have coverage on insurance. At this time, I am working to get a payment to my insurance, but I bet I have a letter coming about having to pay their insurance because they can not provide I have insurance. I have emails showing they are being contacted and that they handled last time. This is a very questionable company, and I am at risk because of their questionable business ways.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Problems caused by my funds being low

Complaint: I have noticed Wells Fargo has been reordering the order of my transactions to maximize overdraft fees on my checking account. This happens on a daily basis. Transactions over five days, will load at once a week later so my balance is never accurate. Furthermore, my deposits are greatly delayed so that I will also continue getting overdraft fees for days until the " pending deposit '' is applied. The general point, is Wells Fargo is manipulating the order of transactions, when transactions are applied to the account, and when deposits are applied to the account to ensure the maximum amount of overdraft fees.

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 09-12-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: Wells Fargo had opened and activated a credit card, attached it to XXXX checking account as overdraft protection, and issued XXXX cash advances along with transfer fees, overdraft fees, and of course interest. I had made XXXX transfer of funds from one account to another where I pay my bills. These XXXX different transfers were backed out and cash advances were then issued on a credit card that was attached to my account without my knowledge or permission. I still receive paper bills for any credit cards I have and when I received the Wells Fargo credit card bill, I thought I was a victim of ID fraud. I called the credit card group and they made me feel that I was breaking the law. Little did I know they were trying to steal my money! This occurred within the last 90 days.

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my report I noticed several inaccuracies on my report regarding this account. I have made serial attempts to correct the problem with the creditor and credit bureaus. I requested validation of the debt from the Creditor and the Credit Bureaus. Under the FDCPA and FCRA, this information must be validated upon request. I have made several request for validation of all factual data being reported but the Creditor and Credit a Bureaus have not provided the proper validation which violates my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: This is in response to the lawsuit filed against Navient regarding their practices. 

About a two years ago, due to finally having decently steady employment, I reached out to Navient in order to get on an Income-Based Repayment plan. During this process I ended up having to speak with around six different people on six different occasions, often receiving contradictory advice.
The first one said that my repayment options were limited to two particular plans ( both being much higher than the others offered ).
I called back a week later, not happy with the previous conversation, only to be told by a different Navient employee that all I needed to do  was fill out this particular form online, send it in, and I would be approved for the more reasonable repayment plan. I did this and received a notice that I had been rejected/declined from that repayment plan. 

Due to this I was a bit confused and called Navient again. I spoke with another Navient employee who told me I should have been approved and to do the same process again ( fill out the form online and send it in ) and it would go through properly this time. The employee stated that is was likely a mistake in the system and that they would get it fixed. I again filled out the online form and sent it in only to again receive another denial letter a week or so later. 

I called back a fourth time, frustrated and confused. In speaking with another Navient employee I was told that I needed to resubmit the online form again but this time with some extra information requested. I was assured by the employee this would be sorted out this time. Again, about a week later I received another denial letter from Navient. 

I called Navient for a fifth time and spoke with another Navient employee. That employee said something along the lines of, " I do n't know what those other people were talking about, you are not eligible for the repayment plan you are seeking. '' Finally, very frustrated and confused I called back a sixth time and elected to defer my loans for a year because I could n't afford the payments Navient was expecting. 

Earlier this year I call back to Navient seeking the same IBR plan I had been seeking previously and I was easily accepted onto it and have been paying based on it for a number of months.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: Company 's never fixed the 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 04/29/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Dear, My loan 30 Yr Fixed with PMI used to be serviced by XXXX Mortgage and in XXXX 2014 started being serviced by SunTrust Mortgage. I had requested to pay down my principal balance to remove the PMI. I ordered and paid for the full appraisal which is great. According to my loan documents and to an email ( in writing ) from SunTrust, the principal payment should bring the LTV to 80 % in order to remove the PMI. 
and here 's what happened:XXXX- First Issue : SunTrust violated the agreements : after completing the appraisal, they informed me that mt LTV should be 75 %, therefore I had to pay more to remove the PMI ( sent them many emails and made multiple calls, but received the poorest service and never replied to my emails promptly or even acknowledged my question, have all records ). However, I was confident that my property value would be high enough so this should not pose a big financial difficulty on my family. 
XXXX Second Issue : The appraisal was wrong. After being informed of my property value, I received a copy showing the size of my condo XXXX Sq Ft instead of XXXX Sq Ft. They used the size calculation method, which impacted the value of my property. Contacted them again and was sent from XXXX customer representative to another and was told I was wrong. I contacted my association to double check the size of my property and they confirmed it 's XXXX ( also in line with first appraisal I had years ago ) XXXX Having reached a dead end, I decide to proceed with submitting a payment of {$28000.00} to an address they provided me through email ( their secured mailbox and have the records ). The address was WRONG. I had mailed my payment through Priority Mail and included Delivery confirmation and ETA was 2-3 days. 2 weeks and nothing happened and mail showed as not delivered, and I realized address was wrong. So I contacted SunTrust and asked how we can resolve, the customer service suggested to process a payment through the phone so I accepted and followed her directions. She assured me that she will add a note to my account indicating that. 
XXXX Supposedly, shortly ( less than 24 hours ) after that SunTrust received my other check and deposited. It happened in the order I provided, first processed my online payment then processed the check. This resulted in overdraft fees at my bank in the amount of {$72.00} SunTrust started also charged me a NSF. I called them, reminded of what happened and they waived it. Now they are adding it back on my XXXX statement. 
Please help, I 'm willing to provide all the documentation needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with Io, Inc. (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: A man called my home phone number and asked to speak to me. I said this is she speaking. He said he was calling from some resolution/recovery company which was not noted on my caller I.D . He asked me for my personal information, my address and birthdate. I told him I do n't give out my personal information. His response was I 'll see you in court. 

My call I.D . showed : XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Debt collection (Medical) with RevSolve, Inc. (NM).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX and XX/XX/XXXX my hospital submitted charges for services performed by an XXXX, resulting in insurance paying as out-of-network. Hospital has been repeatedly billing me for the portion which which would have been paid by insurance if claim had been submitted properly. 
I personally visited hospital billing office, made phone calls and sent them a letter advising of dispute. At XXXX point they said they would stop billing for those charges but they recently resumed and then turned the charges over to a collection agency. 
Last week ( XX/XX/XXXX ) I received a call from the collection agency. I tried to inform the caller that those were disputed charges for physician services being charged by a hospital, but he interrupted me shouting that we had discussed this before and the billing was for hospital charges not physician services. His statements were not true. We had not discussed it before, and the charges are for physician services. 
I called the hospital customer service number and after placing me on hold while consulting with billing, they told me that XXXX of the charges should not have been submitted to the collection company and they were withdrawing that XXXX for now but may re-submit it at a later date. The other charge remains with the collection agency. I have advised the collection agency in writing that the charges are disputed. 
I have paid all of my legal obligations to that hospital. The only charges I refuse to pay are the ones that resulted from them billing incorrectly for physician services, resulting in insurance not paying as in-network. 
I was being treated there last year for XXXX and am now being treated elsewhere. The incessant billing, and now the abusive phone collection attempt, is increasing unmanageable stress to a level that I believe is harmful to my health and is interfering with my recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: They will not respond to any of my disputes. 
XXXX XXXX Bank for {$370.00} is showing as an open collection. This was a credit card that was closed / charged off, as well as previously deleted. Therefore, they ca n't still collect it or show it as open.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Its Ally Financial Ally Financial XXXX. XXXX XXXX XXXX, MN XXXX. I asked them not to call on Saturday, sundays or holidays. I emailed them this request. They continue to contact me at all times of day, at work on my cell phone. They never sent written notice to me. The system calls automatically, when i answer no one is on the phone nor is the name on the caller ID. When i call back, they ask for personal info before identifying them selves. When i ask where they are calling from, they usually say the XXXX. I recieved XXXX calls today on XXXX. Told the rep it is a federal holiday and not to call as i had previously notifeid them. He replied who cares its not his holiday and he has a job to do. I also informed he was calling my cell phone. He said he does n't care. I informed him he should realize holidays are inconvient times as are weekends and evenings. He stated again he has a job to do. I read him the Fair Collection Act guidelines. I asked to speak with an XXXX speaking rep in the XXXX, he said those offices are closed. Be became abusive stating he would come and have someone take my car today if i did n't pay. Im only 10 days late. XXXX XXXX, 2016. Another rep called 4 times after i told her to stop. i asked to move a payment to the end of a loan due to physical issues. She said OK if i paid a {$490.00} fee to do so

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 10/13/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Using a debit or ATM card

Complaint: Greetings, Greetings, XXXX XXXX XXXX XXXX is writing in regard to the XXXX six year long campaign for the modernization of telephone banking, and submission of these XXXX recommendations to XXXX XXXX. XXXX is addressing statements in this letter with the presentation of the following urgent information and report, Safe Call ( see below ) : Over XXXX people were killed in automobile accidents last year, and another XXXX were seriously injured! The automobile is the number one cause of harm and death to young people and students! 

The NHTSA states, " distracted driving is the number one cause of auto accidents and a deadly epidemic! '' XXXX has the cure for this deadly epidemic ... Eyes on the Road/Hands on the Wheel ... the science of road concentration! Once this message is realized by the driving public the next step is distraction prevention. 
There are XXXX mobile phone users and over a XXXX vehicles, so mobile phone use while driving is a worldwide constant and this fact must be reckoned with. 

Banks are the most called business in the world, and also the business most likely to have the dangerous request, " enter your ATM card number. '' This request is extremely hazardous to those on the road as it is encouraging people to text message or read ATM card information while driving! Furthermore this telephone banking practice is rendered obsolete with the realization that ATM cards are no longer effective as modern security as they can be lost, stolen, or even secretly copied, and there are modern and better securities protocols now available such as secret passwords and user names. 

Since several banks such as XXXX XXXX, XXXX XXXX XXXX, XXXX and Capital One have acknowledged the importance of the XXXX recommendations for voice command on their main telephone banking line by using them, XXXX now proposes that these same innovations be applied to all banking divisions, such as credit card, mortgage, brokerage, and loan departments. 

The XXXX Safe Call recommendations improve banking security, safety, proficiency, and customer satisfaction, and cost little to implement. There are no legitimate arguments to oppose these urgent telecommunication advancements and improvements Again : ATM CARDS UNSAFE FOR IDENTIFICATION AND SECURITY! 

ATM card identification requests encourage text messaging, and card reading while driving! 

ATM cards are obsolete and ineffective for security and should be replaced by modern identification security. 

Please read complete urgent XXXX research recommendations at : Safe Call http : //carsafe.org/safe-call.php Help Save Lives and Improve Banking Security! 
XXXX require fair market research compensation for use of this valuable research.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: After chasing down information myself, I discovered through the Equifax website that they might have compromised my personal information in their recent hack. They have yet to give me a definite answer as to whether or not my information was compromised, nor have they provided an avenue toward a resolution. The information in question was not voluntarily given to this company by signing up for their services, but rather collected by Equifax as a facet of their business model. Not protecting this data properly is an enormous violation of the privacy of me and others in my situation who did not choose to explicitly trust this company with our private data.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: Chase Business Checking, I have received a email states that my account has been overdraft. I have noticed that XXXX check has been cashed, it was an unauthorized check, a fraud transaction. I reported to claim department, I spoke with two person in claim department in 5 minutes. Both person from Claim Department told me that " under my investigation your request has been declined '', " Chase do NOT have any thing to do to recover your lost amount. Suggest you contact the check cashier, or report to police ''. At the same time, because of the Fraud transaction my account has been overdraft 3 times, get charged $ XXXX $ XXXX $ XXXX {$100.00} fee. Total loss $ XXXX $ XXXX {$800.00} with out any reason. 

Complaint : 1. How does Claim department do " investigation '' in 2.5 mins, ( 2 person 2.5 mins each ) and get a result " decline ''???? What kind of " investigation '' has been done??? It is not a " Investigation '', they just looked the account, did n't even know what happened. 
2. I had stated that the check have some problem, it has been deposit before check issuing date. It is a very obvious evidence -- -- it is a Fraud transaction. The " Investigator '' said he did not look the date, and do n't matter when the check has been issued.??? Why??? 
3. Chase refuse to refund the overdraft fee, because of the refund have a " limit '' and the fee charge to account do n't have limit. Then Chase can keep more profit from Fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2015 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I AM REPORT TO I AM SICK AND STAY IN THE HOSPITAL FOR 5 DAYS, WENT I GOING TO WORK THE WORK FINISH BUT IF FOR CONTRACT AND I LOOKING FOR JOB TO I AM GOING TO XXXX XXXX AND I HAVE DEBT TO MONTH TO MY MORTGAGE AND NOT HAVE MONEY TO PAY BILLS AND THE HOUSE YOUR HELP ME MY NAME IS XXXX XXXX I LIFE IN XXXX XXXX LA XXXX AND MY CELL XXXX THE MORTGAGE ITS CARRINGTON MORTGAGE SERVICE XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I had a mortgage with Ditech and refinanced with another lender in XXXX. I am due a refund from Ditech for my escrow account and have yet to receive my refund. Ditech said they issued a check on XXXX and when I called at the end of XXXX I was told they could not report it lost until 30 days. I called on XXXX and they supposedly reported it lost and were issuing me a new check. I called on XXXX and they said they would transfer the money directly to my checking account with in XXXX business days. It is now XXXX and I still do not have my refund.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief