milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Application, originator, mortgage broker

Complaint: This is a dispute to case # XXXX and XXXX. Still no answers, and it 's very apparent they are not going to answer and are liars. 
This company preys on minority 's and there continued targeting of them should be labeled as a hate crime. They should not be allowed to execute mortgages or anything else. I have paid in advance, excessive mortgage insurance premium to HUD, with no justification of the amount. A year worth of PMI insurance. Paying excessive property taxes and PMI insurance to drain my escrow account which causes shortages in escrow account. Being retaliated against for exposing the fraud. This company has no respect for the law or the hard working citizens, I hope this case helps others and remember to FIGHT cause the truth will always stand. Just follow the paper work. I did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (UT).
Issue: Other transaction issues

Complaint: I tried to submit a payment via PayPal and I entered the email address incorrectly. When I contacted PayPal to attempt to correct the issue, they closed my claim saying that a money transfer between friends was not covered by their conditions. I understand that it is my fault for entering the wrong email address to send the money to but the company should be more helpful in rectifying the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Payday loan) with Rosebud Economic Development Corporation (VA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a letter from XXXX, Esquire at XXXX, New Jersey XXXX ( XXXX ) XXXX ( XXXX ) XXXX This was received on non letter head on plain paper stating I that this person is an attorney and I owe First Pay Loans {$1700.00} - its stating fake laws that I owe and I have 30 days to respond. 

From research of this company in the past, this sounds like a scam.

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 12-12-2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Customer service / Customer relations

Complaint: That time on month again. I need to file the monthly complaint against this group. 
( USAA XXXX XXXX XXXX XXXX XXXX, TX XXXX ) For the XXXX knows how many th time they have the log in screwed up. Support refuses to answer the phones. They continue to HARASSS me about this XXXX " paperless '' XXXX when they ca n't even run a web site. probably XXXX time complained about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On X/X/2017 I went to pickup eyeglasses at store. I only took 1 pair but was billed for 2.  Clerk took 1 pair off bill. It is now XX/XX/XXXX and second pair of glasses still on bill. I have called multiple times and they assure me charge is being removed but it is still on this month bill.

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 07/21/2015 about Debt collection (Credit card) with Platinum Holdings Group, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a call from a XXXX XXXX office, to " collect a debt on a credit card ''. the caller did not verify my information before giving me this information. The person yelled at me that they are starting the " legal process to garnish my wages '' I advised her that I have not received any information on any attempt to collect any debt.I am legally entitled to receive that and verify that so called debt is mine and that the collector is legally able to collect on any so called debt. She refused many times and told me that she is not required to do anything of that sort. Continued to threaten me on " legal action '' did not give me information on amount of debt or if there was an ability to settle on any debt. She did not even properly verify who I was. I looked on line since the company name on the voicemail was different than what she gave me and I saw many victims to this company as well. XXXX / XXXX XXXX. There was no resolution to this call as she would not listen to me and only yell and threaten me during the whole call. I would like to know what this even is! How can I be taken legal action against and I dont even know what this is! I can not know how to respond with a solution if I have no information as to what this is at all. The only information she gave me was that it was in an attempt to collect on a credit card debt. No credit card name given. This company needs shut down as they do not know how to collect said debt to anyone per all the comments I have seen plus my own experience!

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Consumer Loan (Installment loan) with STERLING JEWELERS, INC. (CO).
Issue: Managing the loan or lease

Complaint: I got a ring in XXXX from Jared Jewelers. I have NEVER received a bill in the mail and have verified all the information. Before ever getting a bill I started getting calls every few minutes. Turns out I was late and no one said anything. I never got an email, never got a letter, just constant calls. I set up payments with Jared directly and was told everything was fine. XXXX of the payments declined for some reason that is still unknown to me. I was never notified of that until the calls started all over again. I was laughed at when I called back. I also let the lady that I spoke with know that I was getting calls after XXXX which is against the FCC rules. I still have yet to get a bill and I still have yet to get any actual notice of billing or amounts owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (Medical) with M.L. Zager P.C. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX 2013 was so sick and went to hospital. The finical rep ask me for ins 'i explained to her that I was on unemployment, She then told me she would put my case through charity. i then received a bill in XXXX 2013 for XXXX from the hospital showing the discount granted. XXXX months later I get a call at my job from a collection agency saying I owe XXXX. Since then I have done every thing to comply. to resolve this dispute and error. I have been treated badly by them as well as they lied about the dates when they sent me letters. I have been to XXXX hospital to resolve this error and the hospital has been working with me but the collection refuses to comply to clear this error. They lied when i asked to speak to the representive that there was not a person by that name working there name XXXX. I have a lot of health issues and I am on XXXX now they submitted it to court and refuse to even work with the hospital who is trying to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (KS).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: THe company was Transworld Systems inc . The collection was for a final waterbill which i am not sure if i actually owe it from 4 years ago. They sent the collection notice to my brothers address which he has only lived at for 2 months. I questioned them on how they got that address and they said it was on the water companies file. It was not as I had already called the water company. She then proceeded to tell me i was lying then i asked her to transfer me to her supervisor. She responded they were not there and i would have to do with a voice mail then she cut me off. She did this again after I called back. The bill was {$35.00} and on the first call she said it was denied which i knew better as i Had over XXXX in this account. She then asked me to pay via my bank account i told her no. I ask her to email me something saying that once i paid this ( keeping in mind i do n't think i owe it ) she refused and hung up on me again. Through out the conversation she kept talking over me not allowing me to get my questions out.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, Ditech received an refund from my county taxes on XX/XX/2016 and I only received a surplus check of {$120.00}. They are unable to communicate to me why my surplus is n't larger. I did not have a shortage on my account, I 've been current ever since they took my over my loan. I just do n't understand why I did n't get more of a surplus, when there 's a XXXX given to them by the county.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (Other type of mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Trouble during payment process

Complaint: XXXX XXXX " sold '' my mortgage to Specialized Loan Servicing, LLC XXXX ), last fall. A couple of weeks ago XXXX  sent me a statement detailing my escrow account. I'm attaching same for your convenience. The statement shows my projected escrow account will total {$2100.00} and the projected disbursements from my account will total {$2100.00} for a difference of XXXX cents. 

On the statement it says " Cushion selected by servicer : {$350.00}. '' Do they have a legal right to hold an additional {$350.00} above what is needed to pay the annual taxes and insurance? In my view it would allow them to earn interest on my money for the life of the loan.

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 06-07-2017 about Debt collection (Medical debt) with Professional Medical Management, Inc. (DE).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I had an   XXXX   proc edure on  XX/XX/16  a t  XXXX   XXXX   XXXX . Billing to my insurance company and I received several statements with different balances. The initial billing seemed very high for the procedure that was performed so I waited some time to ensure that the insurance coverage had a chance to be paid in full. By early  XXXX , there was no additional payments or activity so I contacted  XXXX   XXXX  hospital billing department directly to work out a payment plan on the over {$600.00} remaining balance as I did not have the money to pay in full. A representative in the billing department suggested that I contact the  XXXX   XXXX , in the financial assistance department to apply for assistance and/or set up a payment plan for the balance. I was not able to reach her and left a voicemail but did not hear back and called again  XXXX  weeks later and left another voicemail but never received a return call. So, on  XXXX   XXXX , I contacted the billing department again and spoke with  XXXX  who set up a payment plan for me and took my first payment over the phone. However, the following day,  XXXX  from billing called me to inform me that my account would go into collection anyway.

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 10-03-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I am contacting you as a customer of XXXX affected by the data breach at Experian. This breach has likely revealed my social security number, address, telephone number and other identifying information allowing criminals to open bank accounts and credit lines in my name. Experian offered 2 years of free credit monitoring service for affected customers. This is completely insufficient. The loss of my social security numbers is a grave oversight. The number can be abused anytime after the 2 year monitoring has ended. I expect that the monitoring service should be extended for at least 10 years, and that Experian should provide free and unlimited credit freezing and reversal of credit freezing at all 3 credit reporting agencies. The agencies generally do a poor job protecting from fraud and identity theft, as blatantly visible here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with EXETER FINANCE CORP. (MD).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I reported with XXXX that someone used my social and name to try to get a loan in my name. They would n't help me. They said since the loan was not approved that I should n't worry. My credit score is low to begin with and now it dropped even lower. This company is based in XXXX and I live in XXXX. I have never even traveled to XXXX. They only took my name down, did n't take my phone number, or my social. I want to know who is out there using my social and my name. They could do a lot with that information and I 'm very worried due to the fact that I 'm trying to build my credit to get mortgage a house soon. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Advertising and marketing

Complaint: I signed up for a JcPenney credit card because they claimed to give you 25 % off your first purchase. I received my bill and did not receive 25 % off so i called and spoke to a supervisor, she processed a ticket, and said i will find out the status in a couple of days. I still have not received a discount for my first purchase. This was false and deceptive advertising.

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 02-09-2017 about Debt collection (I do not know) with Bonneville Billing and Collections (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have disputed my debts several times with no resolution. i have submitted paperwork, affidavits and police reports. I need resolution on this as these accounts are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax is pretending that they ca n't read disputes. I find this very destructive to consumers when they use this type of delay tactic. My dispute was CLEAR and PERCISE and you can see for yourselves as I 've attached it. Against my consumer rights they respond with " PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING ACCOUNT NAMES, NUMBERS AND THE NATURE OF DISPUTE '' I can assume that they are doing this to other consumers and probably NOT just me and need a FINE to get them working on consumers issues. I clearly stated as you will see by my included letter the items under dispute and was clear about the reason for dispute. This a clear case of not doing a proper NOR 'REASONABLE '' investigation as required by LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

I found a checking and savings account was opened in my name due to identity theft. The account was opened at XXXX XXXX XXXX. I did not authorize or have any knowledge of 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 03-08-2018 about Debt collection (I do not know) with I.C. System, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/2017 someone used my information to get XXXX. In the year 2017 I have lost my wallet and had to regain everything back. It shows on my credit that there's a balance of XXXX owed to XXXX. Please removed from my credit that is effecting me very much.

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 04-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (KS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In 2014 I pulled my first annual credit report and noticed Midland Funding listed on my report. I did n't recognize where the charges came from so I contacted XXXX by letter and asked for verification of the debt. Midland responded XXXX a bill from XXXX with an address listed in XXXX that I have never lived at - I have lived in XXXX for 12 years.The debt is inaccurate and non-collectible as the debt is a result from illegal cramming charges which XXXX lost a lawsuit for in XXXX of 2014. XXXX has verified that I was indeed a victim of false charges and I have attached proof ( XXXX attached ) of cramming from XXXX 's verification site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, 2017 I applied for credit line increase on my Barclays credit card ending XXXX. The same day Barclays determined that since there was no recent activity on my card I am not eligible to even apply for credit line increase. This decision was not based on my credit. 
However, afterwards Barclays made a hard inquiry against my credit anyway and needlessly -- since my credit was not involved in their decision which was based exclusively on my account not being active.

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 06-03-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX XXXX cancelled my mortgage policy and XXXX XXXX enrolled me as a customer. The change to XXXX was an increase in the annual premium. XXXX sent an endorsement statement in XXXX, the statement said, Premium Waived. I contact XXXX and their " rep '' assured me that there was no issue for me until the following year. 
Because I do not monitor my mortgage statements monthly, I missed that Ocwen made a premium payment to XXXX in XXXX XXXX. Despite the fact that a negative balance now existed on my escrow account, despite the fact that Ocwen knew that the premium had increased, no changes were made in the amount that was collected for escrow each month. I was convinced, based on my conversation with XXXX, that no increase was expected until renewal in XXXX. 
Surprise, surprise, in XXXX XXXX I received an report from Ocwen that my mortgage would increase by nearly {$250.00}. Of course no one wants to accept the negligence or lack of customer service. 
So, I will admit and have learn to look at every statement that comes to me from this point forward. But, it seems to me that this practice has set into motion the very conditions RESPA was meant to deter. I am not sure if this would be considered a genuine compliant, but I thought someone should be aware that this practice is being enacted by mortgage companies. 
Why did n't the negative escrow balance set certain safe guards in motion. Although I missed it, why did n't Ocwen/XXXX immediately increase the escrow to offset the debit on the account. Ocwen 's justification and answer is, " they only do escrow analysis once a year ''. But that defeats the consumer and company protection established through RESPA, does it not? 
I have already complained to XXXX about their wording. It should have read, Premium amount will not increase, not Premium waived. Even the XXXX " rep '' I spoke with recently, had to research to find the meaning of " Premium waived ''. I wish the " rep '' last year had bothered to do the same. 
I am not working, have not since XXXX XXXX. It will be a faith filled moment to see each month how the bills are paid. Thank XXXX he is always faithful, offers the most magnificence customer service, and loves me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Report Shows balance of multiple accounts that are not mine nor have my information. There are multiple companies involved. 
XXXX XXXX CAPITAL ONE : XXXX accounts show on my credit report, no more information, but is affecting my credit history. I spoke to a supervisor who could not find such accounts but they still being reported on my credit report. 
XXXX ) XXXX : I have no debt they want to collect but appears on my credit report and I have disputed the information almost more than XXXX days ago, I have not get an answer.

Company response to consumer: Closed with explanation