milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/22/2015 about Debt collection (Medical) with Collection Bureau Services, Inc. (AP).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Around XXXX XX/XX/2015 I noticed a collection debt from Collection Bureau Services , Inc, in lieu of XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX to find out who they were and why they were showing up on my credit report. they explained that my ex-wife had care there. I asked what that had to do with me, not only where we divorced, but the divorce decree said she had to have her own insurance long before this visit. I was told I had to take it up with the collection agency. I called them and spoke to a XXXX XXXX who informed me that if I showed the signed decree they would remove it from my name. So, I sent the collection agency a signed letter ordering to cease and desist all communications and to remove my name from her bill. enclosed i sent the agreement which stated that she was to hold her own insurance from about 5 months prior to her eye visit. They then sent me a letter stating " validation of dept ''. I called them, and they said, " well, XXXX validated it, and said you owe it. '' I then called XXXX XXXX and spoke to XXXX, she said, " sorry, you have to take it up with the collection bureau '' and then hung up the phone on me. Not only were we divorced, but the agreement says she was to have her own health insurance. XXXX XXXX is trying to claim that since she " used '' my insurance that is why I am liable. I do n't know if tri-care paid anything prior to this visit or not, but nothing was every authorized. And I was never her medical care giver or provider.

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 09/26/2017 about Mortgage (Conventional home mortgage) with United Shore Financial Services, LLC (TX).
Issue: Trouble during payment process

Complaint: The bank that holds my mortgage, XXXX XXXX XXXX, is complicating the process of paying mortgages online. If you go to their website, XXXX XXXX XXXX, you can see that it is geared toward mortgage brokers. The login button on the site is in the upper right hand corner and reads " EASE LOGIN '' in an orange box. This login is for mortgage brokers, not borrowers. If you attempt to use borrower credentials, the login will not work. Instead, you have to scroll down to the bottom of the page and click " loan servicing '' in much small nondescript print to pull up the login for borrowers. I find this overly complicated and difficult to remember month to month.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (MA).
Issue: Trouble during payment process

Complaint: A loan modification request packet was faxed to the lender on  XXXX   XXXX  and additional documents faxed  XXXX   XXXX . This packet included a TPA for authorization to get an update on the modification review. The lender did not upload the tpa in time so when I called the lender on  XXXX   XXXX ,  XXXX  they could not provide me with an update. We called back  XXXX   XXXX  and representative  XXXX  id #  XXXX  advised they received the packet but does n't look like it has been reviewed yet. We were provi ded the SPOC i nformation for  XXXX   XXXX  email :  XXXX  XXXX  XXXX   XXXX . Called back again on  XXXX   XXXX  spoke to id #  XXXX  and nothing had been reviewed yet. Called back again  XXXX   XXXX  spoke to  XXXX  id #  XXXX  an d SPOC  was not available and there was no review update. Called back again  XXXX   XXXX  spoke to  XXXX  id #  XXXX  and there was no review update and spoc was not available. An email was sent to the spoc assigned on  XXXX   XXXX  with no response. Called in today  XXXX  and there was still no review of documents on file so I spoke to a supervisor  XXXX   XXXX  and he submitted a reassignment of the loan to a new point of contact to review the loan modification packet submitted and uploaded by  XXXX   XXXX . I was told the new representative will nee d 5  business days to review the documents before they can provide me with an update. He also stated that they will most likely ask for new financial information because the time that has passed. Well the time that has passed is due to the lenders fault so if the packet was complete in  XXXX  it is complete now and we should n't have to resubmit new financials because of the lender not doing their job.  XXXX    XXXX  spoke to  XXXX  id #  XXXX  informed that the modification was not approved. Requested a repayment plan. On  XXXX   XXXX , Repayment plan has not been approved. A call was made daily since  XXXX   XXXX ,  XXXX  to  Citi to req uest information.

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 12/27/2017 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (FL).
Issue: Charged fees or interest you didn't expect

Complaint: I asked for relief after XXXX XXXX, and was told I could skip a payment with NO penalty. Now, I finished the priginal schedule ( my last payment was XXXX ). So all I should have left is the payment I was allowed to miss. But instead of the standard {$140.00} payment to pay off the loan, they are saying I owe over {$400.00} to pay the loan. 

I ahve no issue with payin the {$140.00} I was told I could pay at the end of the loan to satisfy the loan, But I 'm not paying {$260.00} extra in fees when I was expressly told I could miss that payment because of the hurricane.

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 08/23/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: US Bank rearranged transactions, causing multiple overdrafts. 
When a transaction occurred it would reduce my available balance, and show in my pending transactions. Then, a transaction that technically occurred before the pending transaction, but had not been presented until after the pending transaction, would be rearranged to be withdrawn before the pending transaction. XXXX example : Available Balance on XXXX/XXXX/16 : {$50.00} ~~ XXXX Gas Purchase : {$30.00} ( {$1.00} Presented to bank ) ~~ XXXX Purchase at grocery store : {$25.00} ( Pending-Available balance reduced ) ~~ XXXX Deposit of {$5.00} ~~ XXXX Gas purchase finally presented XXXX Transaction rearranged, so that the total gas purchase is now placed before the grocery store purchase, despite it already affecting available balance. 
There are also other examples of US Bank rearranging transactions to access overdraft fees.

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 09/26/2017 about Debt collection (I do not know) with OPTIMUM OUTCOMES, INC. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am writing to dispute a collection agency, Optimum Outcomes, for reporting inaccurate information on my credit reports. I have disputed this information by requesting debt validation and have not received a response. This collection agency is inaccurately reporting in the amounts of {$290.00} and {$440.00}. I have never heard of this company and I am for certain I do not owe this money. I want both of these accounts removed from my credit reports immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had a Home equity loan from XXXX XXXX since XXXX ( interest only payments until XXXX ). In XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ). As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to XXXX for a loan modification. This process was to say the least, agonizingly slow and laborious. However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease. <P/>But here 's the problem. From XXXX of XXXX to XXXX. of XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from XXXX to come through. When I could I would go to the local branch of XXXX and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments. <P/>The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current. <P/>Now, here 's the rub. It seems that during the 3 month XXXX XXXX, XXXX and XXXX of XXXX XXXX trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XXXX XXXX to XXXX XXXX but they also reported as late, the trial period payments XXXX XXXX, XXXX and XXXX XXXX XXXX even though they were made on time. <P/>My credit rating has since gone downhill now. I have written to XXXX and even contacted the local XXXX branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank. The bank has replied basically saying " Tough luck '' I 'm a XXXX year old retired Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information. <P/>I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it. <P/>I 'm at a loss!

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 02-08-2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: In the end of XX/XX/XXXX, I believe the XX/XX/XXXX, I received a letter from TD Bank that I had over drafted my account. I didn't have an account with TD Bank so I immediately suspected fraud. I called them ( spoke to XXXX XXXX in XXXX, SC ), but she wanted my SSN to tell me anything. I never heard of them so I didn't give it suspecting phishing. She told me there was a branch in XXXX, FL if I wanted to go in person, so I went the next day, XX/XX/XXXX. While I was there I spoke with XXXX XXXX, XXXX, XXXX. She told me that the account would be closed, and that I might receive another letter of two while they closed it. The balance due was {$390.00}. On XX/XX/XXXX I sent TD Bank a package that included information that I gathered with the help of IdentityTheft.gov disputing this account and charges. I sent it by USPS Certified mail, and I requested a receipt be returned showing that they received it. I received my receipt about a week later for the article. Unfortunately I can't read the signature. So far I have received no less than 6 more letters of intent to collect from TD Bank, I can't find the last one right now, but it was about two weeks ago and it showed a XXXX balance, so I thought this was over. On XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX, ( XXXX ) informing me of their intention to collect XXXX on behalf of TD Bank. I called and disputed the charge immediatly. They told me that they would be turning the disputed charges back over to TD Bank. I filed a police report with the XXXX County Sheriff 's Office Fraud Prevention Bureau XXXX on XX/XX/XXXX. 
This account was opened online, the person who opened it provided personal information about me, but provided no proof of who they were.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (GA).
Issue: Struggling to pay mortgage

Complaint: I  fell behind on my mortgage due to medical reasons.I sent Diitech monthly payments and they sent them back to me. I requested a modification and Ditech to refuse to letting me apply for a modification. I have a schedu le sale date on   XXXX , 2017  that need to be cancelled

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Hello, I called Bank of America today in regards to have them Remove two Negative remarks from my Credit Report. They told me that they could not accommodate my request because the reports are valid and must remain on my report. I explained why both the ref accounts were delinquent at the time the payments were made late. 
At that time ( XX/XX/XXXX of XX/XX/XXXX ), I had been advised by my XXXX XXXX XXXX when I retained them, ( XXXX XXXX XXXX  XXXX ), to Not Continue making payments to B.O.A., that they will handle things from that time forward.. Hence Bank of America placed the Negative reports.. To date, both accounts are caught up and both accounts have been paid on time with No Past Due amounts. 
Is there any possible way these negative remarks can be removed? 
Any help would be deeply appreciated.. Thank You _____________________________________________________________________ 1 ) XXXX - Bank of America - Acct # - XXXX Date Opened - XX/XX/XXXX Account Status Open Payment Status Current, was past due 90 days Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Credit Limit {$1700.00} Monthly Payment {$34.00} Past Due Amount - XXXX Highest Balance {$6200.00} _____________________________________________________________________ 2 ) GOLD OPTION - Bank of America - Acct # - XXXX Date Opened XX/XX/XXXX Account Status Open Payment Status Current, was past due 60 days Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Credit Limit {$9700.00} Monthly Payment {$55.00} Past Due Amount - XXXX Highest Balance {$18000.00} Terms Revolving _____________________________________________________________________ Creditor Information - BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 07-01-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MT).
Issue: Deposits and withdrawals

Complaint: My husband was reported to be in a guardianship to USAA Bank, but really was kidnapped. USAA bank held our direct deposit, and allowed 11 years of our money to be sent to the kidnappers. I provided an attorney name who tried to check out the so called " guardianship '' file from District Court a year later, and he said there was no file, and complete fraud. I asked the bank to contact this attorney, they refused. Magically a file appeared a few years later, so a person connected with the court was involved. A local State Senator told me we have a crime ring and it is headed by the Judge in the case. He was collecting names of others defrauded. Recently I contacted the XXXX who had received a diagnosis from this judge ( no medical license ) of me being permanently mentally ill. This was to prevent me from filing in the case, and to discourage an investigation by others. The XXXX asked me to have the successor judge null and void all actions and orders in the Case. The bank was sent the document filed, and is pretending they have no idea what the case is about. The order should be signed this week ( XXXX XXXX, 2015 ) with no opposition and no testimony. The case registry has no respondent and no defendant, in violation of the Right of Due Process for married persons..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Trans union is reporting Negative accounts on my report. see bellow i contacted the company they have no debt there thast is in my name or sociasl nor are they finding anything at there agency when the did a credit report search. same with XXXX ive never gone to school. and have followed up with them as well and they have no information on me at XXXX. see Below several examples on my report only trans union is reporting. New AccountXXXX XXXX, 2017 DESCRIPTION An account provider reported that a new account opened in your name. NEXT STEP If you do n't recognize this account, contact the account provider listed. DETAILS Account XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Type n/a Phone n/a Account XXXX Amount {$14000.00} Status Collection/Chargeoff Type n/a Phone n/a Account XXXX Amount {$7700.00} Status Collection/Chargeoff Type n/a Phone n/a Account XXXX  Amount {$6100.00} Status Collection/Chargeoff Type n/a Phone n/a Account XXXX XXXX XXXX XXXX Amount {$17000.00} Status Collection/Chargeoff Type n/a Phone n/a

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 07/22/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian continues to report an item that was not validated and refuses to remove : XXXX - Experian - Revolving - XXXX XX/XX/XXXX XX/XX/XXXX - {$1800.00} - Due {$0.00} - Late Over 120 Days {$580.00} - CONSUMER STATEMENT : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. ACCOUNT DELINQUENT 150 DAYS PAST DUE DATE LAST REPORTED DELINQUENCIES : XX/XX/XXXX=XXXX CHARGE OFF ACCOUNT CLOSED BY CREDIT GRANTOR LAST PAID : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I was working on a loan modification with nationstar and I talked to them on Tuesday and they stated it was in review and they needed more paperwork and they sent that to me and I filled it out agin and checked back Friday and they stated they got that paperwork and needed another page they said was n't filled out and sent me the paperwork work on Friday the XXXX and when I called them this morning they are telling me it for closed on Thursday the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Vehicle loan or lease (Loan) with SUNTRUST BANKS, INC. (MN).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: I applied for a loan on XXXX with XXXX, a division of SunTrust bank. They rejected my application and said they would disclose the reason within XXXX hours. I never rec 'd this letter. I filed a complaint with the CFPB shortly thereafter. SunTrust-XXXX XXXX proceeded to respond with a letter dated XXXX stating the reasons for XXXX 's rejection. My XXXX score on XXXX was XXXX, verified by XXXX. XXXX reported it as XXXX, a fraudulent score based on this back dated letter based on the complaint they rec 'd. They also indicated in the letter that I had delinquent accounts, of which I have XXXX currently. XXXX XXXX and XXXX responded to my complaint as a TOTAL and COMPLETE lie! Again, I rec 'd no such letter or email from XXXX indicating the reason for their rejection. I rec 'd numerous acceptances of the same loan from the same credit bureau- XXXX of which the score was XXXX, NOT XXXX as XXXX XXXX about.

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 06-06-2016 about Mortgage (Home equity loan or line of credit) with STATE FARM BANK, FSB (CA).
Issue: Loan modification,collection,foreclosure

Complaint: State Farm Bank is the XXXX mortgage holder on my house, they received all the requested documents for modification/settlement review. I have provided all the items they requested but despite my numerous phone calls they are not responding to me about the status of my file. Their phone numbers are always busy and I have to wait for more than one hour and then finally the call gets disconnected!!!! 
I have tried many times to get some ressponse from them but State farm is not responding!!!.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been dealing with Navient for many years now. Since the beginning I have had trouble getting in touch with them and was given wrong information. My loan has went up {$3000.00} since I consolidated with Navient. I have not even made a dent on paying any of it off. The interest rate has gone up as well. I have been trying to use the plan where it is based off of what you make, but even when using that, the principal has not lowered at all and it has been at least 3 years. I feel like I am never going to pay off my loans.

Company response to consumer: Closed with explanation