milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Account Management Resources (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The collector sent a demand letter on XXXX XXXX, XXXX requesting payment for a utility bill. A response was sent on XXXX XXXX, XXXX requesting more information regarding the debt ( such as verification ), and there has been no response. Failure to respond with reasonable documentation is an abusive and unfair practice barred by 15 USC 1692. 
Failing to respond to a good faith attempt by a debtor to confirm the validity of a debt leaves a debtor in an confusing state of limbo where he is uncertain of what further actions to take. He is unable to determine if he should continue to attempt to resolve the alleged debt or assume it is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I had a Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. Genesis lending has now sold my loan to XXXX.

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
Consumer complaint received 08-06-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Settlement process and costs

Complaint: I refinanced my property with Nationstar Mortgage. I signed the XXXX XXXX/XXXX/15. In the NOTE and the Settlement pages ; says that my firstpayment will be on XXXX/XXXX/15. By the ending of XXXX, I tried to pay onlineand I could n't find my account #. Immediately, I called NationstarMortgage and this was the time that was horrible, frustrated, exhaustedand wasting time I never ever had. After, I called loan officers, differentLoans Managers different Department, Closing Coordinators, ClosingCoordinators Managers and Loan team Leaders, ETC ... .Today 's dateXXXXXX/XX/XXXX and still NOT getting any resolution to this legal matter. 
The last DOC Nationstar sent me by E-mail says and asked me to sign a Doc fora new refinance that I did not authorized. 
See attach,

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a balance with XXXX and it was paid through XXXX my account was supposed to be removed from diversified consultants system by XXXX and deleted from my credit reporting. My account is in good standing and I am a current customer and diversified consultants does n't have a right to report this account. Diversified up dated my credit report XXXX/XXXX/17 to reflect closed and XXXX balance and this account should have been removed entirely then they went back and updated my account after XXXX/XXXX/17 reflecting open with a balance. This is inaccurate reporting and needs to be deleted from all three credit bureaus. Attached are the reporting errors and the receipt of payment with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Consumer Loan (Installment loan) with Oportun Financial Corporation (CA).
Issue: Problems when you are unable to pay

Complaint: Went through a divorce was left to pay all bills fell behind had to move some utility 's got cut off and could n't afford to finish paying loan only had enough for rent to make sure me and my kids had a roof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (I do not know) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: Bank of America wrongfully took {$45.00} from me. 
Money was wired in to Bank of America on XX/XX/2016. 
Bank of America returned the wired money, but wrongfully returned {$45.00} less than it received. 
Wire in and out tracking numbers : 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 monetary relief
Consumer complaint received 10-12-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax is unlawfully reporting accounts without verifying or validating the debt. They are in violation of Section 609 of the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Loan servicing, payments, escrow account

Complaint: My home was flooded during the federally declared disaster in XXXX Louisiana in XXXX of 2016. My mortgage lender, Wells Fargo Home Mortgage, sent a letter to me dated XXXX XXXX, 2016 informing me that based on the status of my loan and insurance claim, my claim would not be monitored through the typical process of putting the check into a restricted escrow account and issuing payment contingent upon staged satisfactory inspections. I was instructed to proceed with repairs to my home and to send my un-endorsed claim check to their Loss Draft department, at which point they would endorse the check and return it to me. I received the claim check the week of XXXX XXXX and followed those instructions, including a copy of the aforementioned letter should there be any questions. Today the check was returned to me, with a letter indicating that I must endorse and return the check to them. I learned from a representative of their Property Loss department that my claim was re-classified as a monitored claim based on the value of the loss and that I 'd have to have an inspection completed before they would endorse the check. I was never informed of this change in status and it did n't occur until the date that they received the claim check. It was my understanding that the decision to not monitor my claim was based on my record as a good customer and likely the volume of claims they would be handling limiting their resources.

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 01/23/2018 about Mortgage (Conventional home mortgage) with AmeriHome Mortgage Company, LLC (FL).
Issue: Trouble during payment process

Complaint: I have a mortgage with Amerihome on a rental property I own in XXXX TN. On X/X/18 they claimed that they had not received an invoice, so I collected the fax number from them and asked my agent to resend the invoice. ( They had previously sent the invoice and breakdown on XX/XX/18 ). Because this policy covers three properties with two loan servicers, the agent explained to the Amerihome insurance department representative that the check needed to be made out to the iinsurance agency, not to XXXX XXXX, and the agency would in turn combine the payments to send to XXXX. Amerihome ignored this request, and sent the check made out to XXXX, who will not accept partial payments. As a result, our policy on all three properties has been canceled, and must now go through underwriting. 
Yesterday my agent called and tried to speak with someone, and was refused service and hung up on. I called today, and managed to get a call through to a supervisor, XXXX XXXX, and had a conference call between he and my agent. She requested that the corrected check be overnighted, and he refused, saying it would take approximately 3 days. Bear in mind, that is three more days that I am left vulnerable and with no insurance through no fault of my own. This seems to me a blatant failure to pay in a timely manner from my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I reported a fraudulent charge on my credit card to Synchrony Bank They sent a fraud claim form that I completed and sent back. 
I then received a letter from Synchrony denying my Fraud Claim. 
" Customer released account information to a third party '' was the reason given for the denial. On the fraud claim I told them that credit card information was given over the phone to XXXX for a purchase. 
My wife XXXX who is also authorized on this account made the phone call. Information was not given to a third party. 
A fraudulent charge was made for {$7400.00} from XXXX on XX/XX/2016. We did not make this purchase nor did we received anything for this charge. 
It is a completely fraudulent charge.

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 11/17/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My credit report has an entry of my being delinquent on my student loans when I have proof of payment. I am currently unemployed and have been turned down for a job because of the credit issue. I am unable to find employment until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Other debt) with ONLINE Information Services, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX, XXXX 2017 I disputed account was not received due to a change of address and ask the company to remove late payments. The never verified my a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: After the XXXX breach, I attempted to put a freeze on my credit. XXXX 's site reported that my data was impacted, and suggested I freeze my credit on another website. 

XXXX hid their fraud alert website, and directed me to their paid services. Their site was unusable. 

I was eventually able to file a fraud alert using the XXXX site, but only after filling out all my personal information, SS #, and email address. So, yet another " web form '' that could be hacked or intercepted, and contains significant information for people to steal. 

The entire Social Security " system '' is a relic of 1940 's technology. When will the government upgrade this system to include multi-factor authentication and including biometrics as well? Like the XXXX system in XXXX, for example.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015 I went to Citizens Bank on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX for usual routine of withdrawal of Child Support money on my XXXX State Debit Card, which I 've been doing for years due to XXXX state contract with Citizens Bank. Upon speaking with the teller, I was told to wait because she was unsure of the current procedure. Teller informed her Supervisor, XXXX XXXX who informed me that I would be unable to withdraw full amount of {$1100.00} and limited to {$500.00}. I informed Supervisor that is not accurate and I 've been doing this for the past 10 years since I have moved to CT. The Supervisor requested a picture I.D, which was provided, but due to address change sticker on the back of my license, which is required by State Law and was done by DMV, she questioned my identity. Mailing address was verified by providing her with XXXX letters with my name and new address that matches my I.D . All of this happened in the middle of the bank, while other people and tellers witnessed embarrassment that Supervisor put me through. Proving my identity was not enough for her and she went to her office to make a phone call to report and verify if she can proceed. When she came back, I was informed that she would be able to " give me all of my money that was requested earlier ''. At that point I felt extremely humiliated and decided that I was no longer interested in the transaction. I informed XXXX XXXX XXXX, that I was mistreated and she used her authority to embarrass me in front of others. As a Branch Manager she should have handled this situation with more professionalism. Supervisor last comment was : " You are not a customer and I do n't have to take care of you ''. After last comment I just walked out of Citizen Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion ( TU ) refuses to accept complete/comprehensive disputes on XXXX alleged XXXX accounts. ( " Gold '' # XXXX and " Blue '' # XXXX ). 
1. The alleged accounts were charged off at the same time, XXXX XXXX, XXXX though XXXX, or, TU is concealing the date of the " Gold '' account willfully and purposefully. 
2. Therefore the TU " deletion drop off date ( s ) '' is, correctly XXXX/XXXX/XXXX. 
3. The FCRA indicates a seven year reporting period for alleged debts. 
4. Yet TU shows a " deletion drop off date '' of XXXX XXXX, XXXX. 
5. TU is exceeding the " deletion drop off date '' by 8 months. 
I have challenged TU and XXXX to produce evidence of these alleged debts which contradicts these facts and they have refused to supply such documentation. Therefore, in compliance with the FCRA regulations I DEMAND both parties supply documentation ( etc. ) in support of their position ( s ). 
To show the disingenuous nature of the parties involved I attach a comparison of the wide variety of deletion dates for these accounts by the XXXX major Credit Reporting Agencies who all assert they have " checked with '' XXXX to determine the " facts ''. 
I continue to assert these alleged debts are only reportable, as collectable, for a period of 6 years per Colorado statute ( authority previously provided ) which is being willfully and purposefully violated by the false representations on my credit report - which in itself, is a violation of the FCRA. ( This is a separate dispute which now moves to litigation. )

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 01/17/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (OK).
Issue: Problems when you are unable to pay

Complaint: account has been closed and no amount is due, it is over 7 years, contacted the company my self and no help was received I was told I have to just let item fall off and they would not give me any further assistance on how to remove item from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: After several attempts of trying to dispute the following online that became unsuccessful. There are several inaccurate addresses currently reporting on my credit report that needs to be removed. XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, ok XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. As well as an employer that 's needs to be removed as well 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 non-monetary relief
Consumer complaint received 03/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Certified Recovery Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CERTIFIED RECOVERY REPORTED A COLLECTION THAT WAS WITH ANOTHER AGENCY AND TAKEN OFF MY CREDT. I NEVER RECEIVED A NOTICE FROM CERTIFIED RECOVERY OR ANYTHING. THEY JUST PUT THIS ON MY CREDIT. I SENT FOR VALIDATION OF THIS DEBT AND THEY JUST IGNORED ME. IT HAS BEEN 97 DAYS SINCE MY FIRST REQUEST FROM THIS AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (AZ).
Issue: Trouble during payment process

Complaint: X/XX/2017 went to Chase Bank to request amount of HELOC full payoff. Bank employee called as I waited and gave me amount of payoff, {$90000.00}. Paid that amount in full at that time. Was subsequently charged an additional {$470.00} as " interest and fees ''. They can not adequately explain this. I wonder if they do this to everyone paying off a HELOC hoping customers are confused. How can I be charged " interest and fees '' if I pay the loan off in full?

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX sends me offers checks every month for balance transfers purchases or write a check to myself.onXX/XX/17 I wrote a check for XXXX the checks offered XXXX  percent interest for 18 months with a I percent fee I checked my account 5 days later and saw I was being charged XXXX plus XXXX interest. I talked to a rep and was told to have my bank wire the money back and reverse the transaction my banker told me to pay them directly out of my account and save a XXXX fee.i contacted XXXX again and another XXXX said that would be fine and the transaction would be reversed so I sent the XXXX back. the next I got a text saying I had paid more than the minimum amount and still had a balance of XXXX. I called again and was told that my promo check was out of date and I had to pay XXXX .after getting their XXXX back they changed the deal and demanded the extra money it went from cancelling a transaction to paying interest on money for a month that I had for 5 days and was lied to multiple times by.XXXX  XXXX and XXXX made no attempt to contact me or make any resolution or even ask about my interaction with their 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 monetary relief
Consumer complaint received 12-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I bought a phone from XXXX paid it in full then started having problems with it, called customer service to report they said to return it for a used XXXX after I paid for the new XXXX but before I returned it I took it in to the store to confirm no water or screen damage and they turned around and tried to bill me a second time for the full amount. I was loyal to them for XXXX and this was the XXXX time I 've encountered this problem so I took my business elsewhere. I asked them for proof of damage and received a written response damage was found and I 'm liable with no pictures or documentation this should be illegal and not allowed to affect my credit score. The thx I get for XXXX too long and thousands spent on XXXX customer service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I got ma letter from XXXX. It 's for XXXX. I believe it 's XXXX. I have not had this account open with them in 8-10 years? It was charged off with no payments made if it is this debt they are trying to collect

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 03-01-2017 about Debt collection (Medical) with Revenue Assurance Professionals LLC (MS).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: After comparing a credit report pulled for a mortgage with my XXXX XXXX account I noticed that there are XXXX different names reporting the same amount. So I then compared the account numbers are they also were the same. Finally, I check the Date of Last Activity ( XXXX ) on my credit report and the dates are either not there or at least a year old and listed as reported or opened this year or last year. I believe that this agency and other agencies on my credit report are selling the alleged debts and changing the dates. XXXX has also reported this same debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (PA).
Issue: Trouble during payment process

Complaint: On  XXXX   XXXX  I went online to p ay one of my mortgage  payments. I saw that at the end of the transaction the amount was {$5.00} higher than my normal payment, but I had already pushed the end button. So I went back into the site the next day and looked and it showed I had paid the normal amount.   When I checked my bank account it showed {$5.00} additional. So I called them last night but they were closed. But there was a recording that said as of  XXXX   XXXX , there will be a   {$5.00} additional charge to submit your payment online.
1. I was NEVER advised in writing that his charge was going into effect.
2. This is NOT what I signed up for. Not part of our original contract and I feel it is illegal to do this now.
this is Carrington Mortgage Services, LLC   Thank you

Company response to consumer: Closed with explanation