milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-04-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with TD BANK US HOLDING COMPANY (PA).
Issue: Trouble during payment process

Complaint: Consumer HELOC opened XX/XX/XXXX on residence with XXXX XXXX XXXX with a rate of XXXX XXXX XXXX + 0 % starting at 3.25 %. A relationship discount of 0.25 % was active for a relationship banking account ( Checking & Savings ). I just noticed rate has increased the past few statements as XXXX XXXX has increased which is appropriate. I am no longer noticing my relationship discount of Prime -  0.25 % as indicated in my loan contract with TD Bank even though I am eligible for this discount having both checking & savings account. Last statement received rate was 4 % and prime rate was 4 % hence no discount applied. I was concerned that for this statement and many others I have been being overcharged so I emailed TD Bank for a response on XX/XX/XXXX. I was contacted by 3 individuals within the coming days to let me know that an answer was on the way, but no answers provided. On XX/XX/XXXX I received a USPS mailed letter response from XXXX XXXX of TD Bank explaining that my rate was correct at 3.25 % (??? ) and I was not being overcharged. She additionally told me to pay my outstanding balance which at that point was already paid with 20 days to spare. The letter was clearly inaccurate as she stated my rate at 3.25 % and she was not properly informed on the situation. I contacted XXXX XXXX, Consumer Loan Department, of XXXX XXXX XXXX on XX/XX/XXXX asking for assistance on this situation and still no response as of XX/XX/XXXX. I have received a leter from XXXX XXXX also explaining that all is well which is also incorrect. XXXX 's letter told me to " feel free to reach out to her '' which I have done 3 times over the course of 1 month with no response. I am concerned that TD Bank is not billing me as agreed upon in our HELOC agreement and I may be overcharged on this month 's statement and many others. At this time I am only requesting a educated response from TD Bank and 3 months later and 6 people have not been able to provide. Any support / feedback on this issue would greatly be appreciated. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (Other debt) with First Credit Services Inc. (RI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a call back in XXXX of 2017 about a supposed debt collection from a gym that I used to belong to ( XXXX XXXX XXXX, No Contract ). The woman that I had spoke to was extremely rude and then threatened to destroy my credit if I did n't pay the bill. I did ask to get a letter stating that I owed them and wanted all of their information. She then refused and then stated that she had already sent me the information. It has been 4 months and now this is hitting my credit report, while I still have not received a single bit of paperwork stating who I even owe this money to! I have called them and told them to send me information, but they refuse to do so. They will not send me any information in regards to my " debt ''.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Medical) with Optima Recovery Services LLC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Optima Recovery Services LLC showed up on my credit report and the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX in 2011. The amount on my collections is {$380.00}. I have never seen this amount due or been contacted to my knowledge for owing such an amount. I looked it up on my credit report and it stated that it was opened in XXXX 2011. I had no clue what the charges were for nor have I been to a health clinic in XXXX XXXX, MO. I called the original creditator who stated I was not in their system and never had been even to send to collections. I called Optima Services and the lady on the phone stated the only way I could remove the amount off my credit report would be to pay the XXXX in full. I told her I did not owe that amount and she stated it was for a XXXX. I told her I had full insurance, and if I had that service ( which I did not believe I had then it would have been paid by my insurance ) She could not answer my questions as to where, when and so on. So I asked to speak to a manager named XXXX. He said if I provided a receipt that it was paid they would take it off my credit report. I asked him if the insurance covered part of the services because I had insurance that should have paid it in full. He then admitted my insurance was never billed. He tried to say because I never submitted it to them. I had no knowledge of such a bill and if I had my insurance would have paid it in full. I do not owe this debt and would like it removed from my credit report immediately. They can no provide me with any information on the account nor support that I did not provide them with my insurance information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Student loan (Federal student loan servicing) with ACS Education Services (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX 2016 I began application process for IBR plan through my loan holder ACS. After faxing multiple forms provided to me on several occasions and emailing said forms I had fallen delinquent on my account so they suggested I put my loan into forbearance. After several month I was approved, given a reduced payment, taken out of forbearance and my accrued interest was rolled into my principal. I made the assigned payments on time each month. Each month I noted a late fee of {$120.00} about which I called on several occasions and was given a different reason each time. The most recent reason for the late fees I have been given is that my reduced payment amount ( that they assigned to me ) did not even cover the monthly interest and the late fee was accessed because I was not making a payment onto my principal. I then requested the dollar amount I would need to pay to avoid paying a late fee the following month and the operator was unable to clearly give me a dollar amount to pay in my next payment. I have had no resolution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Trouble during payment process

Complaint: Date for last statement is XX/XX/18 and my statement includes principal {$25.00}, interest {$66.00}, escrow {$56.00} which equals only {$140.00} but then ocwen loan serving, LLC adds an additional {$13.00} charge for optional products, which brings my total payment to {$160.00}. I never signed up for this optional product and want it removed immediately. My monthly bill should be only {$140.00}. I wrote ocwen loan serving LLC a letter, saying I never signed up for this optional product ( XXXX   XXXX ) and want it removed from my account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Debt collection (Medical) with Rickart Collection Systems, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt collector - threatened to obtain legal action ( judgement ) however there are no details on how they determined the debt ( medical bill ) no date of service, where etc. 

We get XXXX of medical bills a month as we take care of our ill father. This tactic is disturbing

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MN).
Issue: Problems when you are unable to pay

Complaint: Our vehicle was seized by the MN State Highway Patrol back in XXXX XXXX. 
We settled with XXXX XXXX, the company our original loan was through, on XXXX XXXX, XXXX. 
XXXX XXXX was bought out by Santander Consumer USA and they finally marked our account as closed XXXX XXXX, XXXX. But they are still reporting us on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (I do not know) with Professional Service Bureau (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received approximately XXXX repeated calls all within a 10 minute time frame. When I call the number back I do n't get any information as to who or why I was contacted. The agents that answered the phone were very disrespectful, and would not provide any company information or any other identifying characteristics.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Fraud or scam

Complaint: I will try to make a long story very concise with my concern. : I transferred a total of {$3600.00} in an intra-bank ( Bank of America ) wire-to-wire transaction, only to later determine ( after the deposits ) that I was defrauded. The banking institution 's policy is that since this is a wire to wire transaction, I am not protected by the financial institution for this type of transaction. The bank currently has a freeze on the account and is investigating the incident, HOWEVER, they have expressed to me that I am NOT eligible to have my money refunded from the fraudulent account until they make contact with the account holder ( the fraudulent criminal!!! ). Since they have not made contact with the fraudulent account holder, my claim is being denied. Then bank is unwilling to tell me if this denial will unfreeze the account. What criminal in their right mind would return a call? Why arent the facts in this case enough to reverse whatever remains in this account?

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 10-06-2015 about Debt collection (I do not know) with Harris & Harris, Ltd. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I originally received a phone call from Harris and Harris ( debt collection company ) on my home phone. When I called back they said it was for my son who has not lived at our address, or in the same state, for 10 years. I asked him to call them which he did. He never got an answer. He said he has no debt, has never received a letter of collection. Now I am getting the same calls on my cell phone ( XXXX ). I always have the same recording which says they are debt collectors and to call them. I called them today. You do n't get a live person to speak with, just a voicemail you can leave. I left the message that I would be filing a complaint against them today. I also do not have any debt and have never received any past due notices for anything. This appears to me to be a scam to collect money from unsuspecting consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: i was under review with bank of america loan modification and was never informed of my house going to sale until XX/XX/XXXX when i got and eviction notice when to court and file and answer to the unlawful detainer nd bank of america forclouser law firm contact me saying the case was dismiss no further action was taken in their behalf i was never informed or any other option till this day I 'm still living in the house and still bank of america keep going me hopes of resolving my issued and also i know that they resold the house when again because i got an eviction notice

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 06/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a notice from Afni asking me to pay a specific amount of XXXX to settle a debt on a 'discount '. Although I was laid off, in an attempt to stope them from sending more letter to my neighbor I sent a check for exactly XXXX by the date they asked. Now I 'm being asked for over {$100.00} more which was never disclosed to me in writing. I attempted to settle the debt on their terms and they are not honoring it. Now I 'm receiving more letters asking me for more money under the same pretense of settling my debt at a 'discount '. I 'm trying to do the right thing by paying what I thought would settle this debt. I am unemployed and I need every penny I have. I do not appreciate them asking for more and more money than they asked for in the first place. They are also sending mail to my neighbor who has been upset with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have a second mortgage with Citi financial, running behind for XXXX payments due so far, I tried to make a payment over the phone for one full payment and they said they will not take XXXX payment, the said the minimum amount will be a payment and half.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Jefferson capital has a n item on my credit report that I just discovered today for  XXXX   XXXX . I have never had  XXXX , and I never received written notification that this item would be added on my credit report. I have asked for verification from this company, whose response was " they did n't have to provide anything. '' I have never had or signed any contract with either  Jefferson n or  XXXX , and this action is completely illegal and violates my FCRA rights completely. This action is causing disruption to my financial profile for creditors I am interested in doing business with by giving a false dichotomy of my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2016 about Bank account or service (Other bank product/service) with ALLY FINANCIAL INC. (CA).
Issue: Account opening, closing, or management

Complaint: I paid off my account in full on XXXX/XXXX/XXXX and Ally Financial sent me the title to my vehicle 5 days later. On XXXX/XXXX/XXXX I received an alert from my credit monitoring agency that Ally has reported they are in the process of repossessing my vehicle. I called Ally and they confirm the vehicle is paid in full and there report was sent to the credit bureau in error. While on the phone with the rep. he says he submitted a dispute with the XXXX credit reporting agencies. Dispute confirmation # XXXX and that it will be resolved and I should get a response within 7 business days. 
On XXXX/XXXX/XXXX - Check checked my credit monitoring profile and discovered that Ally Financial reported on XXXX/XXXX/XXXX to XXXX ( and perhaps the other agency ) that they repossessed my vehicle on XXXX/XXXX/XXXX. 

I called filed a complaint against the credit bureau with CFPB straightaway as I could not get anyone their to discuss this issue with. 

Immediately after, I called Ally Financial and explained the situation to the american rep. She checked my file and discovered the dispute # XXXX filed with the credit bureau ( s ) last week by their rep. was filed incorrectly as they did not received a confirmation. She offered to resubmit it today. I requested to speak with a manager as it is quite clear to me at this point that the employees at Ally Financial are incompetent. I was told a mgr. is not available and that one will call me back within 24 hours. First they send erroneous information to the credit bureau, then they were not efficient in disputing the information with the credit bureau. I will contact my local T.V. station ( XXXX ) and my local newspaper and notify them of this issue including the fact that I have submitted a complaint with you the CFPB on XXXX/XXXX/XXXX at XXXX XXXX pacific time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   XXXX   XXXX    XXXX    XXXX , CT  XXXX  (  XXXX  )  XXXX   XXXX / XXXX / 16  This inquiry was performe d under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (VA mortgage) with CITIBANK, N.A. (KY).
Issue: Loan modification,collection,foreclosure

Complaint: Homeowner Assistance Package ( loss mitigation ) submitted to Citimortgage, requesting forbearance. I am pending receipt of award letter from Social Security XXXX, which will enable to resume mortgage payments. Homeowner Assistance application was deemed complete on XXXX XXXX, 2016 ; however, suit was filed in XXXX County District Court on XXXX XXXX ( case # XXXX ) - AFTER the Assistance Application was already in underwriting review. 

I have attached a letter ( with attachments from Citimortgage ) that I faxed to the Citimortgage retained law firm, outlining the circumstances as well as the date of Assistance Application completion. Per the documentation from Citimortgage, all foreclosure activity was to cease after the assistance application is deemed complete. Nonetheless, foreclosure procedures were filed 14 days after the loss mitigation package was completed and forwarded to underwriting review. I believe this to be a case of " Dual Tracking '' and in violation of 12 CFR part 1024.41 ( c ). 

I have contacted the Citimortgage Homeowner Support Specialist assigned to my case regarding this foreclosure activity. On XXXX XXXX, I was informed that " there should be no foreclosure activity '' ( see attached email ). I then provided them the case number of the law suit. No other response was received from either Citimortgage or their attorney after informing them of this foreclosure activity.

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 04-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account from CREDIT MANAGEMENT LP XXXX. 
this account. I have never done business with CREDIT MANAGEMENT LP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CREDIT MANAGEMENT LP purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT LP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

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 07/27/2016 about Debt collection (Auto) with Broward Adjustment Services (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company was submitted proof of my XXXX prior to filing this debt in court. I am no longer liable for this 22year old account yet the company continues aggressive collections attempts through court ad credit reporting agencies

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 09/27/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I sent documents requesting to have my address and employer updated on my credit file and It was refused. I also called and spoke with someone and my request was refused after answering security questions and on hold for 45 minutes. This happened on XXXX out of the XXXX credit bureaus. XXXX did update my address but the other XXXX refused my service ( Equifax and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Trouble during payment process

Complaint: My mortgage got switched over to Caliber home loans Inc. Mortgage Services as per XXXX 2016. I 've had nothing but problems with them. I have owned my house for 14 years and have had nothing but problems before and after they acquired my mortgage account.I have called them had spoken to costumer service they stated they do what they want not what I want and at the end of my inquire they ask me if there is anything else they can help me with, leaving me speechless. They do record the conversations and I do recall my conversations with them. Not applying funds on time, not complying with my request of payment history, annual report and all the activities recorded included late fees, attorneys fees applied to my account. Caliber Home Loan Inc. Mortgage Servicing refused to answer my question pertaining to my account. Caliber have refused to answer to my correspondence with inquiry pertaining with a double dipping payment caliber home loan is getting paid twice for the same negative escrow balance, not applying funds, submitting false allegation of missing regular monthly mortgage payments to chapter XXXX  trustee for missing payments modification. It 's like they want possession of my home.Problems : Service issuesBilling collecting issuesCostumer Service issues

Company response to consumer: Closed with explanation