milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I
sent in a payment of {$630.00} to my TD Ameritrade credit card on  XXXX / XXXX /2017. The check cleared on  XXXX / XXXX /2017. The payment never posted to my TD account, so I called card services to explain the issue. They told me to fax   them a copy of the check. I did this, and called them twice or so weekly for a month or two until they told me to send it again. I sent it again, did the same thing for a month or two, then I got a letter telling me to mail in the copy of the check because they " did n't have enough information '' ( even though I provided them with every bit of information they requested from me ). After mailing it in, an calling multiple times per week for a month or so, they finally confirmed that they have the copy of the check.
They say that even though I provided them proof that I payed them, that they can not locate the check, and continuously tell me to call again later/re-send in the copy of the check.
I have provided this company proof that I sent the check to them, and that they cashed it, but they continue to not post the payment to my account, which has been accumulating interest fees and late fees for 7 months now. They tell me that if they mistake s on their end that they will reimburse the fees and fix my credit score, but they have zero effort to do so. It is well past the point of negligence on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (I do not know) with Focus Holding Company (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Several time a day I am receiving phone calls from Focus Receivables Management , LLC. The phone call is an automated call that alerts me that that this is an attempt to collect a debt and to call their number, XXXX. 

I have called there number repeatedly but never get an answer. After sitting through a short automation, ( click XXXX to speak to someone ... ) The phone simply rings continuously and no one picks up. At this moment, it has been ringing for XXXX. No answer. 

The debt is not mine. It belongs to the person who previously held my current phone number. I would like to ask them to delete this number from their system to stop the consistent calling but I ca n't get through to anyone. 

It has now been ringing for XXXX seconds.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Supposedly I had a private loan with Wells-Fargo, It looks like now they have given that loan to XXXX. But when I look on my credit report it shows that I still owe both Well-Fargo and XXXX. When I called to speak with a representative at XXXX they there was nothing they could do to remove the old loan and to call Well-Fargo. After reaching out to Wells-Fargo they told me they no longer have the loan and there was nothing they could do so I needed to reach out to XXXX. I told the rep that I had already done so and I was told to reach out to them, the Wells-Fargo rep said unfortuantely there was nothing they could do and that my credit report should not still show the information that it is currently showing. I have hit a dead spot with wells-Fargo.

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 01/23/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Mailed a certified letter to this company on XX/XX/2016 for debt validation. I received the unopened letter back in my mailbox undeliverable. The address I used was the one provided on my bureau, therefore they did not validate the debt or mark it disputed within the 30 time frame allowed by FCRA. On top of that, I do n't owe this company any money. I have never heard of this company. 
Two companies are reporting on the same alleged debt on my name which is playing a significant role on me being declined for credit, bad insurance rates, and also a loan on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Credit card () with CITIBANK, N.A. (WI).
Issue: Closing/Cancelling account

Complaint: I opened a Macy 's American Express Card XX/XX/XXXX. This automatically opened a Macy 's store credit card, as well. I put several purchases on these credit lines. Although I am never late in paying any of my bills, whenever I received the monthly statements from Macy 's the charges were always overdue. In other words, the due date of the payments was before the monthly statement was issued to me. Thus, the charges were always overdue by the time I received the statements. Because of this, I tried closing my Macy 's accounts. I spoke with numerous customer service representatives and closed my accounts multiple times over a 6 month period. Each time I did so, I would still get another monthly statement saying that my accounts were still open. Finally, I spoke with a manager who " confirmed '' that my accounts were closed. I did not receive another monthly statement, so I assumed that my accounts were finally closed. This was in XX/XX/XXXX-XX/XX/XXXX. Now, here in XX/XX/XXXX I got an alert from my bank that my credit score had changed. Upon examining my credit report, both the Macy 's American Express Card and Macy 's store credit card were still open! I have tried many, many times to get Macy 's to close my accounts but they still have not done so. This is after fleecing me on late fees for charges that were never truly overdue. I am asking the Consumer Financial Protection Bureau to help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: For the past year, I have been in correspondence with XXXX XXXX XXXX regarding at Walmart account. Prior to bring sue ( unknowingly ) by this company, I provided proof that I have been collecting unemployment benefits since XXXX XXXX. I also sent then another company in XXXX XXXX. On XXXX, XXXX, XXXX, XXXX constable by the name of XXXX XXXX withdrawal funds in the amounts of {$890.00}, which is not the amount owed, from my account without my permission. This practice is against Federal and state of NJ laws when collected monies owed. I am currently on Welfare due to my unemployment benefits being exhausted. This company is refusing to reimburse my funds.

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 10/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Collection Bureau Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX had a contract with me and a ruling was if a move a particular radius of miles away, i can cancel the membership. I have moved from XXXX to XXXX and provided sufficient proof of move by sending them documentation of my new address, they still attempted to collect the money first because they wanted me to pay more months that i did n't owe after closing the account and later they told me they did n't get the proof and when i provided them with documentation that i did, they changed their argument to my proof of address was submitted to late. A year later i had contacted them again and they had come up with not ~ {$300.00} anymore but ~ {$2300.00}. I do n't believe i even owe them the first amount because the contact was set that if i move, i can cancel the membership and i did everything accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage of {$1000.00} ( monthly ) was sold to Nationstar Mortgage by XXXX XXXX XXXX. Since the inception, It has always been my practice to pay {$1200.00} monthly instead of the amount due, in hopes that I can complete my payment earlier. Once Nationstar received my mortagage, they began charging me a monthly inspection fee of {$10.00} even though no inspection was being done. Upon questioning this in writing, the practice of taking the fee was stopped. Just this month, Nationstar sent me a notice that my regular monthly payment is now {$1300.00} and not the {$1000.00} which was based upon an agreed fixed-rate XXXX-year mortgage. On calling their Customer Service on XXXX, the representative told me that this was an Escrow increase, despite my contract. It is my belief that Nationstar have been conducting fraudulent and dubious business and I am further convinced of this after I took a look at their reviews on XXXX. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: We purchased a home on  XXXX / XXXX / XXXX  and with the mortgage financed through  XXXX ,  XXXX . The loan was sold to  Ocwen Loan Services o n  XXXX / XXXX / XXXX . In  XXXX  of  XXXX  I received a letter from  Ocwen  stating that there was an escrow shortage of {$170.00} and a coupon asking for payment. Called  Ocwen  asking why there was a shortage but they could not explain why. Said said that an audit was done and it came up short, not because of taxes or insurance going up. Didnt know why, but I have to pay it..     My original loan payment with   XXXX   was {$1500.00}. In  XXXX   XXXX  Ocwen increased it to {$1600.00} and in  XXXX  they increased it again to {$1600.00}. No letter was sent to me notifying me of a payment increase either time. Again I called them and was told the increases were due to the escrow shortage that they still are not able to explain to me. After the increased payment for  XXXX  was paid, they still told me that the escrow shortage balance was {$170.00}. No reduction.     Due to a recent financial hardship, I submitted loan modification paperwork to them on  XXXX / XXXX / XXXX . All the documents that they requested were mailed to them, including bank statements, tax returns, income verifications, Social Security numbers and the completed application. The Relationship Manager assigned to my case was  XXXX   XXXX . He told me that documents ( which I had sent ) were missing and that I needed to resend them, which I did. Sent him an email asking that they need to be located and to check with the person that opened the package and entered the info in their system. No reply. Several days later they told me they had received everything and they would let me know the progress. They also told me that they had good news that another audit was done and now theres an escrow surplus. A check for {$240.00} would be mailed to me. Then next time we spoke there was conveniently no record of that conversation. And no check was mailed. They also told me they were again missing the same financial paperwork that I have been resending  . Sent Ocwen an email ( attached ) regarding these issues and again, no reply.
Its a disgrace that the consumer has no say in loans being sold and taken over by companies like Ocwen. Amazing how many Ocwen   complaints are on your website and yet they are still in business.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (OH).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I feel as though I have been harrassed, starting the week of XXXX XXXX I have been called alot ( I do understand that ) but yesterday XXXX I was called 7 times. I was called twice in 1 hour. I have spoken to the creditor and advised I will make my payment XXXXMy payment was initially due XXXX. Is this considered harassment?

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (IN).
Issue: Managing, opening, or closing account

Complaint: I purchased a prepaid credit card from XXXX when I opened the package i did not like terms of service and fees so I asked for a refund of my money. Was refused and told I have to use the card. I then tried to register it and the site said it was expired so I called the company and was told I have to purchase a New card and pay for it. I refused. I called several times and finally It took over a year to receive the new card with no fee and when I did I registered it and checked the balance. It was {$0.00} so I called them and was told that the maitence fee used up my balance. I never had a chance to use the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (UT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had XXXX XXXX, and terminated the service. I returned their equipment, and then got a statement from their company regarding the final bill. After the last was paid on XX/XX/XXXX in the amount of {$210.00} for the upcoming month I quickly cancelled and paid the last bill, I got a bill from XXXX in late XXXX that indicated I had a credit balance of {$180.00}. This was the last statement I had received. On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX ( Phone Number ( XXXX ) XXXX that my XXXX account # I had been sent to collections in the amount of {$29.00}. Never was I informed by XXXX that there was an amount due. The last notice I had indicated I had a credit balance of {$180.00}. I was told by XXXX XXXX XXXX that they were a debt collection agency. In protection of my credit, I formally asked them to provide me copies of my credit report, and also told them I feel they are in violation of the Fair Credit Reporting Act. To protect my credit, I reluctantly paid them the {$29.00}, even though after I contacted XXXX, and they admitted I shouldn't have owed anything! This is a XXXX scam, and they are collecting debts without justification

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Medical) with Firstsource Advantage, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had XXXX in XXXX which XXXX while on business in California. I asked the hotel to call me a taxi. They called an ambulance stating it was their policy if someone needed medical assistance. I refused all treatment in the ambulance so nothing happened in the ambulance other than a ride to the hospital while lay on their gurney. 

My insurance company paid XXXX % of what it informed me was fair and reasonable for the bill. My recollection is this amounted to approximately {$400.00} for the ambulance service. I offered to settle for the remainder of the bill {$100.00} which by my calculation would be the other XXXX % of the amount that my insurance company said was fair and reasonable. This has never been accepted, but instead this is now the XXXX agency calling and trying to collect significantly more. I did not ask for the ambulance. I did not sign anything stating I would pay for the ambulance unless it was hidden in the hospital registration documents which I read at the time as covering hospital charges. ( This too was signed at a time I was under duress due to pain. ) Even so, it is unreasonable to charge any price the ambulance company chooses that has no relationship to the cost just because they see an opportunity to gouge someone who can afford to pay more than the services are worth. ( Please note : I have selected the " best '' description above ; the debt is mine. My logic is that the amounts in excess of what I feel is fair, are not mine. )

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (CT).
Issue: Trouble during payment process

Complaint: 1. In  XXXX  we received notification of an escrow shortage and specifing a new payment amount of {$1700.00}  (  from the previous {$1600.00}  ).  We requested a second statement of mortgage payments and the anticipated shortage but have not received it as of  XXXX / XXXX /  XXXX  .    2.  In  XXXX  we received a mortgage statement for a payment of  XXXX  without any explanation. On  XXXX / XXXX /  XXXX   I called t he Suntrust Mort gage and the agent said that on  XXXX  there was an adjustment and the payment should be  XXXX .   It makes no sense that the payment should change so radically in a  one m onth period, especially since it was already adjusted in  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 10/18/2017 about Debt collection (Auto debt) with First Investors Financial Services Group, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed and contacted this company ( First Investors FIN SERV ) several times about the debt that has been listed on my credit report. The in 2015 my car was repoed when i was in between jobs. I never received a call from the company to try and get the car back. Never received information when the car was sold at the Auction. By law the company is to advise me about this debt. The full balance that the car was first financed is listed on my credited report with XXXX & XXXX. Overtime the debt was charged off and the company had been paid off. I was living in Florida at the time of repossession and the Florida Statues XXXX was in total violation because the company never provided me with detail of when and where i can go get my personal belongings that was left inside the car, they never gave me a option to get the car back, the also never provided me with the dates and where the car would be auctioned off at, nor did they provide me with the information of how much the car was auctioned off for. Which totally violates the law. 

I have requested this information in writing from the company ( First Investors FIN SERV ) on several occasions to provide me with all of the documents pertaining the loan. I was only sent the original loan information and not the following documents requested. The amount that was listed on my credit report was for the original amount of the loan when i first financed the vehicle excluding the amount that i had paid on the car for a year before the car was repossessed. That itself is a violation of the law! 

I have requested that they remove this debt from my credit report because it is in violation. They refuse to remove the debt.

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 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have attempted on numerous occasions to request my annual credit from Experian, XXXX and XXXX, respectively. Each request has been denied and I have been asked to submit a payment by mail. I wish to view my free credit report ONLINE. I have only used ONE name my entire life and I have only used ONE social security number my entire life. So I am concerned about the difficulty these companies appear to encounter when processing my request.

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 07-08-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent multiple letters to Experian with regards to the XXXX that is reporting on my credit file. I have informed them on a number occasions that this is not my account. But have not had any success in getting them to remove this account from my credit file. I am in need of your assistance in getting this matter resolved.

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 08/28/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have XXXX credit card accounts with Synchrony Bank. I access XXXX online. Today I received an e-mail from Synchrony Bank informing me that someone had looked up my online account ID. A few minutes later, I received a notice that my password had been reset. These things occurred without my knowledge or consent. At all times, I had not disclosed the password to my e-mail account connected to the account, and I had my credit cards in my physical possession. Immediately after Synchrony Bank allowed this to happen, I was informed an unauthorized {$300.00} charge had been fraudulently posted to my account. I attempted to resolve this issue with Synchrony Bank, but of the three people I spoke with, none were able to explain to me how they had allowed my account to be so easily compromised. Because I have no confidence in Synchrony Bank 's security measures, I requested XXXX accounts be closed immediately. I want an answer from Synchrony Bank explaining how they allowed this breach to occur and I want proof that they will investigate and cause criminal action to be taken as the criminal had replaced my personal information with theirs, i.e., they have clues to investigate. XXXX could not provide this information or assurance. I feel my legitimate concerns were not taken seriously by the Synchrony Bank employees I spoke with. Further, they do not allow you to easily speak to a representative, but must first spend several minutes on a voice automated system. Their e-mail fraud alerts should contain a dedicated fraud hotline that you can call to immediately speak with a representative -- please see the attached e-mails, which ( a ) do not contain a customer service number to call ; and XXXX b ) do not allow a reply to a monitored e-mail box -- they only contain a mail address, which is absolutely useless in the event of fraud, where fast action is needed. This is inexcusable -- Synchrony Bank should absolutely make this information available IN EMAILS THEY SEND WARNING OF POSSIBLE FRAUD. I do give Synchrony Bank credit for notifying me of the breach, but the fact the breach was allowed to occur so easily is inexcusable and I ask that the CFPB please investigate and punish if warranted.

Company response to consumer: Closed with non-monetary relief