milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Debt collection (I do not know) with BTH Management (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed my debt with this Plaza Services Inc PLAZA SERVICES XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX and XXXX several times asking for validation of debt. I have sent this company emails, left voicemails and mailed letters this company has not once contacted me to verify my debt neither phone, email or mail. I have also complained to XXXX about the company not verifying debt with me so I am uncertain of how they are getting responses.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: To whom it may concern, hope you are well, I not sure what had happened with my monthly payment back in XXXX as you could see in attached file, I truly apologize, I realize how big impact this makes on my credit score in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Debt collection (Non-federal student loan) with SECURITY CREDIT SYSTEMS INC (MI).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was on a payment plan with this agency for a debt and they wanted me to pay more and repeated called and repeated told me what a loser I was because I could pay more than what I was ( I was and am unemployed ). They then just stopped taking my auto payments and continue to call and send letters. I have asked then not to contact me via phone repeatedly and wrote letters requesting my original payment plan. They ignore it and keep sending me the same letter saying I have ignored them. If I would have been on my payment plan from when they stopped it this debt would be paid. I can even put into words how upsetting this has been.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Between XXXX XXXX, and XXXX on XXXX XXXX, I have received 52 phones calls from Conn 's appliance in attempt to collect a debt. I 'm not disputing the debt, and intend to pay once I secure finances to do so. I have asked to be taken off of their automated phone cue, as they stated this was the reason for the excessive calls. However, I still receive anywhere from 8-13 calls a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2016 about Debt collection (Medical) with Harris & Harris, Ltd. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Harris & Harris continues to robo-call me to tell me I owe a debt that I paid on-line on XXXX/XXXX/2014. I have phoned them TWICE with my confirmation number proving payment and asked them to stop calling me. Yet I get one phone call a day from them. Yesterday I received a letter from them telling me that they are reporting me to the credit reporting agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: TransUnion has sent at least two requests for proof of mailing address as a delay tactic. 
After sending a so-called investigation result less than a month earlier. Since I did n't move or give any reason to believe I moved in the approximate 15 days in question this much be a delay which puts them in violation of the 30 days provided by the FCRA ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX RE : File # XXXX Request for Proof Address Dated XX/XX/XXXX To Whom It May Concern : This request for verification info is a delay tactic since this information was provided with your file # XXXX dated XX/XX/XXXX. You are in violation of the 30-day requirement to respond Immediately remove disputed items. Please find enclosed the items in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Cc : Consumer Financial Protection Bureau ACCOUNTS ALLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$190.00}

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: On XX/XX/XXXX I received a prescreened offer from XXXX XXXX. I called XXXX to opt-out just as it indicated at the bottom of the page. I also went to XXXX on XX/XX/XXXX and filled out the form for the 5 Year Opt-Out. I received another XXXX XXXX mailing on XX/XX/XXXX to which I immediately called XXXX for an opt-out again. Today, XX/XX/XXXX, I received another XXXX XXXX mailing. I thought something was not right so I pulled my XXXX credit report to find that there is no mention of an opt-out. I used to see that I had an opt-out on the file. After three motions for an opt-out it should be reflected somewhere. Today I mailed the opt-out form to make it permanent, not just for five years. There should be some way to check and see if that is on the file.

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 06/27/2015 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never used the hospital in question for any medical needs, this is an error. The Hospital listed is XXXX XXXX XXXX Hospital, Someone has billed me for this in error. 
There are XXXX neg reports from this Hospital, however I have never entered this medical facitly

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I want XXXX XXXX, XXXX and Experian to update my credit report with the following personal information : Employer : XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX XXXX Annual Salary : {>= $1,000,000} ( $ XXXX ), Annual/Total Household Income : {>= $1,000,000} ( $ 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 08/14/2016 about Mortgage (FHA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (TX).
Issue: Settlement process and costs

Complaint: To Whom It May Concern : My name is XXXX XXXX XXXX. I hope this e-mail finds you doing well and enjoying the summer. 
I am a voting resident of XXXX XXXX and am writing to request you assistance with an issue regarding Franklin American Mortgage. I paid off my home on XXXX XXXX, 2016. I was told that under the law, the lender has 30 days to refund the monies from the escrow - in this case, an amount of {$6400.00}. I was told by my lender, Franklin American Mortgage, that they have released these funds on XXXX XXXX. I was also told they released them but they had yet to be mailed nor received by me. As of XXXX XXXX, I still have not received escrow refund and it is now well past the 30 days during which the lender is supposed to refund the money. I have called Franklin American Mortgage no fewer than five times and each time I get a different answer as regards their escrow release process. I am also concerned that they are using US mail and not FedEx or a a return receipt so if a large check gets lost, they can say its not their problem and hold onto my money longer. My concern is that if Franklin American Mortgage is doing this to me, they are doing it to other homeowners as well. I have asked them to please wire the money or FedEx a check ; their representatives tell me that they are unable to do so. Can you kindly provide assistance? 
My loan account number with Franklin American Mortgage is # XXXX ; my property address is XXXX XXXX, XXXX, TX, XXXX Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am submitting a complaint against Ocwen for failing to fulfill their commitment to proceed with the short sale of my primary residence. 

I am requesting a short sale of my primary residence. I have XXXX mortgages. The XXXX position mortgage is with XXXX and the XXXX position mortgage is with Ocwen. My representatives for the Short Sale are XXXX XXXX and XXXX XXXX with XXXX XXXX. 

My representatives contacted Ocwen on my behalf to request a short sale. Ocwen initially denied my short sale request. However, after further negotiations, Ocwen verbally indicated they would honor a short sale should we obtain HAFA approval with CitiMortgage. We have since secured HAFA approval with CitiMortgage. However, Ocwen is now denying the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting an address that is not mine. I have disputed this incorrect information on many occasions and I have not have any success getting this incorrect information remove from my credit report. The incorrect address is the XXXX XXXX XXXX, XXXX, GA address.

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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX account Loan # XXXX Showing on my credit report as being late payments incorrectly. XXXX made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.

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 03-01-2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (WI).
Issue: Shopping for a loan or lease

Complaint: My issue is that I was sold a car, which has given me nothing but problems, my car finally died 2 weeks ago, I have already paid CNAC more then {$15000.00} for a XXXX saturn ion, which nearly killed me when it automatically shut down in the middle of an intersection. I have requested to have a settlement with this company, I currently owe {$2300.00}, I asked if I can pleae settle at {$1200.00}, they will not I have a lay by the name of XXXX calling an harassing me twice a day, I have already sent them a cease and desease until they can offer me a settlement. I was pressured into obtaining the car when I purchase it, nothing was really ever explain to me, not even the high interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with Lending Solutions Mortgage/ LSI Mortgage (TX).
Issue: Application, originator, mortgage broker

Complaint: I was victim of a " bait and switch '' scheme by LSI mortgage. They provided a GFE offering a 3.75 % rate for thirty years, two days before the closing date the rate was hiked to 4.875 %. 
Upon declining those terms I was harassed by one of their loan originators, XXXX XXXX, who at one point addressed me as uneducated, and even used xenophobe terms ( XXXX ). 
I have all the communications to back this claims.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do not have any knowledge of nor was consent given for the inquire. My identity was compromised I want the inquires removed from all three of the credit reporting bureaus. called the companies several times to correct the matter but no action was taken. I even submitted documentation a identity theft affidavit to the credit reporting bureaus and yet the inquires are still reflecting XXXX Inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Medical Data Systems has placed an account on my credit report. I have disputed this account with them several times to try and verify if the account is mine. I have requested that they send me a copy of the ORIGINAL contract with my signature and personal information verifying this account. They have never sent that information. This is also a Medical account so my medical/personal information was shared without my consent which is a violation of the XXXX policy. I have made them aware of that as well.

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had gotten a auto loan with XXXX XXXX in XXXX, and They did repo the vehicle in XXXX for failure to pay. But I have constantly tried to get this company to correct info on my Transunion Credit report where they are stating the account is : 1- Still Open 2- In Collections, Which no one has ever contacted me about this account, 3- Charge-off By this account still showing as open, car dealerships say, it is hard to give me a loan etc. How one account can be listing so many different things I do not know, It should be a Charge-off and closed account etc not all 3.. 
This is how it was listed in XX/XX/XXXXand still listed as of this complaint, Transunion say they can not change it, etc I feel this is now being intentionally done, This company is very hard to communicate with,

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 08-07-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Alliance Data Card Services (CT).
Issue: Charged fees or interest you didn't expect

Complaint: I am a XXXX XXXX XXXX that was XXXX XXXX XXXX on my site XXXX and XXXX. I was using PayPal check out. About the end of XX/XX/XXXXbeginning of XX/XX/XXXX I was given a {$3000.00} dollar credit limit with PayPal and I did not ask for this I though this was from my sold items on my web sites.
The interest when this loan started was 0 interest for 1 year and 70 % of the charges on this loan are not even a year old. I made close to {$2500.00} dollars in charges that started around XX/XX/XXXX. It seems that they held there end of the terms of 0 interest for one year for only 6 months. Then I noticed after paying PayPal back up to XX/XX/XXXX that my balance was not going down. This is when I contacted the company and asked why my balance not going down with a balance due of {$64.00} dollars a month and paying over {$100.00} dollars a month for the last year how am I occurring interest charges. At first I noticed this was not interest charges it was all late fee 's of {$35.00} dollars a month for the last year and my payments were always on time with the payment due by the second of each month my payments were sent by US mail to PayPal Credit XXXX XXXX XXXX XXXX Georgia.
Sent out with a money order by the XXXX of each month. I called PayPal Back in XX/XX/XXXXand raised this concern as to why is this payments not going down. They showed me my invoices and I seen that there was a {$35.00} dollars late fee on all of my invoices for the last year with no notification by paperless statements to my email on file XXXX. I received just an email saying we received your payment and your statement is ready. I have contacted them and they said back in XX/XX/XXXX they could only remove all my late fees for the last 180 days that 's 6 months then they said no it is 3 months and we will give you a {$100.00} dollar credit that 's it. I gave up fighting and realized I was scammed.
Now after contacting them today XX/XX/XXXX I noticed that they hid the late fees in my account said they gave me a {$100.00} dollars credit and are now charging me an {$80.00} dollar a month interest fee each month that is insane. They have also charged me another late fee of XXXX dollars for XXXX when the payment for XX/XX/XXXX they said they did not receive until XX/XX/XXXX. They are doing this on purpose so that I have all of these interest charges on the {$2300.00} dollars I owe them and I will be in debit forever with these people.
This is wrong and I want something done please.
I am reporting this also to the Federal Trade commission.
Regards XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received at least XXXX emails regarding a credit card that was activated in my name, which I do not have and did not apply for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IN).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: MY WIFE AND I FILED CHAPTER XXXX BANKRUPTCY ON XXXX XXXX, XXXX, CASE XXXX. YOU WERE SENT A INFORMATION ONLY NOTICE AND NOW HAVE RESTRICTEED SAID ACCOUNT XXXX, SEE ATTACHED! 

ALSO, PLEASE BE ADVISED THAT THIS LEASE IS LISTED ON SCHEDULE C : '' THE PROPRTY WE CLAIM AS EXEMPT. ( FORM 106C ). 

AS A RESULT OF THIS CONFUSION, MY LEASE PAYMENT IS NOW LATE, AND ASSESSED FEE 'S. 

EFFECTIVE TODAY UN-RESTRICT THIS ACCOUNT AND REVERSE ALL LATE FEE 'S AND CORRECT ALL CREDIT REPORTING TO REFLECT PAYING AS A AGREED NEVER LATE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: We have been working on a modification with Nationstar for over three years. We hired a lawyer for a lawsuit against them, but every complaint against them was dropped for different reasons. Nationstar has been impossible to work with, always a different " point of contact ''. There have probably been at least 15 different ones, none of whom EVER knew anything about our loan. I always had to tell all my information every time. That 's why we hired a lawyer to help us. Through an outside contact, we have filed many modification packages. They were all turned down for one reason or another. We were only asking them to put the arrears as a balloon payment at the end of the mortgage, give us a 30 year loan and keep the interest at 3 1/2 % instead of the 5 % it was going up to. They would offer NOTHING even though no one has ever lived in this house but the XXXX family since it was built in XXXX. My husband grew up here and after his father died, we moved here in XX/XX/XXXX <P/>My husband will be XXXX XXXX XXXX this year and he has XXXX XXXX XXXX XXXX. He is weak and having to leave this home would do him in. I ca n't imagine how he would survive it. Our grandchildren live very close and are home several times during the week, playing in the front yard. It is our home. Seventy-five years of memories are here. It would be impossible to move out. We also make extra money by renting our a back house and we would lose this source of income if we had to leave. <P/>I just do n't understand how a company, no matter how impersonal, could be so cruel. We are still trying to get a low-cost mortgage with interest only for five or 10 years or a reverse mortgage. The reverse mortgage would be ideal except that Nationstar has run the mortgage from {$870000.00} to over {$1.00} million. So of course we could pay over {$200000.00} to bring the mortgage current, but then we would have to begin making payments of {$5500.00} a month which we ca n't afford. This could all have been handled quickly by Nationstar in a couple of months, but they 've stalled and stalled and run up all this overages which I do n't think are all legitimate but I have no way of finding out. <P/>In the past three. Plus years, we have paid money we did n't really have to our lawyers ( who have been very fair and very supportive ) and are basically worse off than when we started. I just ca n't believe there is n't a solution to this. The truth is we ca n't possibly afford to move out. Is there really a company who would put a couple who are XXXX and XXXX years old out f their home? Apparently!! I believe this is elder abuse in some form. <P/>I think Nationstar will do anything to get our home and they do n't care about the consequences.

Company response to consumer: Closed with explanation