milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling many times a day, weekdays and weekends, hours range from XXXX till as late as XXXX. I have answered the caller several time and tell them this matter has been disputed in writing and was sent via certified letter. I have also ask them to stop calling every time I have answer the call. Each agent making the call will then threaten to take me to court, report to credit bureau and get very rude on the phone. I have ask them to send the notice in the mail not by phone. They will not stop calling!

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (Other mortgage) with RoundPoint Mortgage Servicing Corporation (SC).
Issue: Loan servicing, payments, escrow account

Complaint: We received an escrow analysis showing our payment was going up significantly. The taxes were wrong. Our local tax office updated everything to show a considerably less estimate of taxes due and we faxed to Roundpoint per their request five weeks ago. We were told it would take XXXX10 business days to receive an updated analysis and have our payments on track. It has been three weeks since this update would have been " due ''. We have spent countless afternoons on the phone with Roundpoint 's customer service trying to figure out what is going on and every time we are transferred to a new person or they keep us on hold for a very long time forcing us to give up. This last call the customer service rep laughed at me because I told her I 'm tired of waisting so much of my life on this and they told us it would be completed three weeks ago. We are a family of XXXX and can not afford the payment they calculated that is WRONG.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is a closed acct with a XXXX $ balance you cant collect on a XXXX balance also this account has been sold or transferred ... Iam also a resident of Florida per Florida statue of limitations you can not collect on a debt over 4 yrs old!!!! Please delete off my Equifax and XXXX credit report!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (LA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I paid my XXXX account with auto pay and my final payment was XXXX. It did not clear my account. I noticed it when I was reconciling my checking account. I went on line and scheduled it again that day. I notified them and emailed them about the problem. I was told that they refunded the late fee and it was not reported to the Credit reporting agencies. I called them to question it and they said we do not offer goodwill reversals, they said just dispute it. I made may double payments and paid the account off before 42 month no interest terms. It was paid 28 months in full. I was only past due {$4.00} because of advanced payments made and I received no secondary notice or email notification that the draft scheduled on due date did not clear the account. I have never been late or reported to the Bureau. I would also not pay an account off in 28 months early and jeopardize my credit for XXXX bucks. 

I attached a copy of the email showing that when I contacted XXXX that autopay was still on and they canceled it as of XX/XX/XXXX. Yet they did not draft the final payment as they have done since I had the loan. This is out of my control if a companies system does not properly execute their auto-pay feature and draft my checking on the due date. 
I provided the document showing that on XX/XX/XXXX when I caught the error ( no payment drafted ), that they did have autopay still on the account and she canceled it on XX/XX/XXXX. Why was no final payment drafted on this loan? How is this My fault? I paid them every month by auto-pay and they need to review and reverse this 30 day over due payment report. It is there error, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Medical debt) with Credit Collections U.S.A., L.L.C. (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: This collection company is not licensed in my state also violates HIPAA

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Portfolio Recovery constantly calls my cell phone and all of my Family members. They 've harassed me for over a decade. They change their name and number, but use the same tactics. We just block them now, but I thought they were suppose to stop all this after your Bureau forced them too. I like a part of life now, blocking XXXX-XXXX different phone numbers per week. Some of the debt is over 10 years old. Obviously their system is still profitable if they keep harassing people. 

It 's just like banks charging outrageous overdraft fees, setting up transactions to benefit themselves. Sure, the Government sues them, and companies like XXXX just settle out of court. Does n't stop them, they just consider it cost of business to deal with fines, they can afford it. 

These companies prey on those who struggle financially, because they know it takes money rot fight back. Pure evil.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX, 2016 I went into XXXX XXXX XXXX with a pre-approval letter from XXXX XXXX and test drove a XXXX XXXX. The Manager XXXX XXXX requested an Unauthorized credit inquiry with out my knowledge or consent and my credit was ran 9 times. I realized this had been done once I got home and received a email from XXXX XXXX monitoring alerts. The next day I went back into the dealership and asked to speak with the General Manager XXXX XXXX. I explained what happened and she wrote a letter to the Finance Companies and the Credit Bureau requesting the inquiries be removed on XXXX XXXX XXXX 's behalf. Unfortunately, as of today NONE have been removed. Since then I 've called, faxed, sent certified letters that XXXX XXXX drafted and wrote to each finance company as well as the credit bureau requesting each inquiry be removed. NOTHING has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquiries are hurting my credit score tremendously and is affecting the finance rate I need and deserve. I should not be penalized for something that I did n't request. The company has asked that they be removed and so have I.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: Hi, my name is XXXX XXXX XXXX, my bank is Chase Checking Accunt. In the date XXXX/XXXX/2015 my bank authorized a transaction of mine without any signature proof, it was with the merchant XXXX that is dealing with XXXX, they charged me {$1500.00} from my credit card without any approval from my side. My bank claims that i have already few disputes with other XXXX companies that scammed me so they declined my request. When i first registered to the site i gave this company my information as it was required in order to open the account, but it does n't mean that they can use this info to charge me when ever they want without my approval. Please advice what i can do here.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Billing statement

Complaint: I have had a Kohl 's credit card for over 8 years and never had a late payment. On XXXX XXXX, XXXX I signed up for paperless statements. The website clearly states that when you sign up for paperless statements that you will receive an electronic statement via email. I never received any electronic statements or paper statements after this date. I did a search through my email server just to be sure I had n't missed them, and found only a handful of emails from Kohl 's, none of them being statements. Since this is a card that does not consistently have a balance I depend on statements to remind me to pay. On XXXX XXXX, XXXX I received a phone call from Kohl 's advising me that I had a payment due that was 60 days late. I was surprised by this and paid {$75.00} right then. I did n't think anything of it until I pulled my credit score from my credit union and saw that my credit score had gone down from XXXX to XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: My bank card was swiped by someone located in XXXX, Florida on XXXX XXXX, XXXX. I called and reported the unauthorized transaction on the same day. I was told that the transaction would have to be investigated. It is XXXX XXXX, XXXX and I had to call Suntrust Bank for an update regarding the issue because Ive received no communication as to what is going on. I was told that the claim was denied and that I would have to submit proof that I did not make the purchase. I was told that I would have to submit a rebuttal and the process would take another 45 days to investigate. A few months back, I had to file another claim due to an Suntrust ATM issue. The ATM took my money, never provided a receipt and the funds never appeared in my account. I had to wait for an investigation to be completed before receiving the credit. Earlier this summer, I made a cash deposit with an actual Suntrust bank teller at XXXX XXXX. and there was no sign of it posting the next business day. It should have posted immediately. I went back into the location on the following day and was told that the bank teller made a mistake. I provided my deposit slip and the memo/credit was placed in my account. I reported the latter two incidents to the Consumer Financial Protection Bureau.

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 11/30/2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (MD).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I made payment on XX/XX/XXXX in the amount {$920.00} for acct # XXXX, paid to Ocwen Loan Servicing, LLC. I notice that the payment was returned along with receiving a fund returned letter dated XX/XX/XXXX. for not sufficient to satisfy the reinstatement amount on the account. Which I have always pay the escrow, which is my taxes and insurance., The payment applied is the correct amount, that I previous pay consistently. Further investigation needs to be looked at in a timely manner according to my records. I also receive a letter separate class action suit in regards to phone calling and harrassment. and challenged the debt that is supposed to be correct. However I will submit the evidence for your record.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Bank of America loan #  XXXX  was reported as closed which has negatively impac ted credit score. Th is needs to include an explanation of why it was closed such as the loan as been Paid in Full. By an explaination not being given it looks as though the account was just closed due to being sold which it was not. Please include a statement on my report that explains the account was Paid in Full by me.

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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have written to the companies to inform them that I did not authorize these inquiries made on XXXX XXXX 2017 from ANY auto finance companies. I was previously approved on XX/XX/XXXX through a different lender and never authorized for my credit to be ran again or to apply for finance through different companies.

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 01/18/2017 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (OR).
Issue: Application, originator, mortgage broker

Complaint: In XXXX XXXX, I was contacted by my current mortgage company, PHH Mortgage, asking if I would be interested in refinancing my home with a HARP loan. I was and we began the process immediately. Everything they asked me for was provided to them in 24 hours or less and I have the documentation to prove that. However, it is currently XXXX XXXX and my refinance is still not completed. This is Month 7 of this process. I complained to the supervisor of the individual once and she apologized. Several months later, I contacted her a second time and asked that the individual handling my refinance be removed and replaced with someone else, but she refused to respond to my email and voicemail messages I sent/left for her. I am completely devastated by this whole process. I could have gone with several other lenders, but chose to stay with PHH since they are my current mortgage company. I have spoken with many friends and family members and they are baffled by this length of time, and every single one of them chalk it up to incompetence. Please help me. I want to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MD).
Issue: Managing the loan or lease

Complaint: in XXXX 2016 my daughter traded in her XXXX, XXXX that she had for almost 2 yrs. XXXX XXXX paid off the vehicle by sending a check for XXXX to Wells Fargo Dealership. They shorted the pay-off check by {$170.00}. Since I had co-signed for the Equinox, as soon as I found out there was a balance remaining I contacted XXXX XXXX. They sent the remaining balance on XXXX XXXX, 2016. My daughters XXXX payment was due on XXXX. Wells Fargo reported to the credit bureaus that the payment was 30 days late. They received the check XXXX/XXXX/16 and they should have received they last XXXX XXXX/XXXX/16. that would not cause it to be 30 days late. My daughter never had a late payment while she had the XXXX. I do not understand why the first check was not posted to the account when they received it instead of holding it for two weeks and posting them both on XXXX/XXXX/16.

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 07-07-2015 about Student loan (Non-federal student loan) with John C. Bonewicz, P.C. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hello I have a loan serviced through XXXX that is a private student loan, it is current. However, the loan was sold and re-sold from XXXX to XXXX to XXXX bank and is back at XXXX. 
The law office of John Bonewicz ( XXXX ) Persists in calling my friends ' parents to get in touch with me.I have never resided at this address or provided this phone number as a contact number. They refuse to acknowledge that they called my friend 's parents number, a number which I do n't even know. When I called to indicate they should delete all contact numbers aside from my cell phone they refused to do so unless I acknowledged that I owed them a debt. I do not in fact owe them a debt as my loan is current and serviced by XXXX, when I spoke with XXXX they indicated that they never authorize 3rd party collection calls. 

I 'd like to know how to get them to stop calling. 

thanks, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Rewards

Complaint: The terms of the credit card changed from receiving a free night on an every award stay of XXXX nights or greater to only receiving XXXX free night a year if I spend XXXX on the credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I applied for a phone and phone plan in XXXX 2014 with XXXX. While waiting for them to ship me my phone, I found I better service with another provider and signed up with them. When I received my phone, I did not open the package and did not activate the plan. I promptly returned the phone and all contents of the package to a XXXX storefront where they took the phone. I did not use their services at all. I received a phone bill from XXXX for that month, charging me {$70.00}. I do not owe them {$70.00} because I never used their services.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Other debt) with ERC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter postmarked  XXXX   XXXX ,  2017  from ERC " indicating a balance with  XXXX   XXXX   XXXX  '' that I am unaware of.     I responded by certified mail requesting information and verification of that debt.     ERC has not provided such information. Instead they have begun to contact me through channels outside of those requested ( by phone ) and continue to avoid their responsibility.     I 'm initiating this request today because, after informing ERC of their obligation to respond with requested information by mail, ERC instead chose to challenge my claims and then abruptly ended their phone call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom  it may concern, I mailed a Multiple Inquiry Removal Letter o n  XXXX   XXXX ,    2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries on my Equifax report,  XXXX  hard inquiries on my   XXXX    report and  XXXX  hard inquiries on my   XXXX   report that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it   states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Account opening, closing, or management

Complaint: A few years ago I opened FREE checking account in Bank Of America, in XXXX, Oregon. I had to follow few simply rules as not using teller services, only ATM, and I pad no fees. Few weeks ago I have noticed that while still following rules I agreed, I was being charged {$12.00} per month fee for having this account. 
I called, I visited in person and was told that type of free account I opened do not exist anymore. I closed my " free '' checking account immediately. 
Bank of America used " bait and switch '' tactics in order to trick a lot of consumers, I supposed, into paying monthly fees. 
I have no idea for how many months I was paying $ XXXX monthly fee without my knowledge, but I am quite sure I ma not the only one who was tricked by BofA ( in Oregon at least ). In my opinion switching free account into $ XXXX monthly fee account was purposely designed trick. More than receiving paid fees, I would to ask to investigate BofA banking practices and I offer to provide more information and comments if needed.

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 10-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My Student Loan Lender " Navient '' has been not helpful with my several requests to lower my payments or settle on my debt. I have been going through financial hardships after my mother passed away, dealing with house payments, mortgage, helping the family etc and I really am unable to pay more than {$200.00} a month for my student loans. Navient has been unwilling to work with me to resolve this issue. My rate is very high as well and I am accumulating %. Please help

Company response to consumer: Closed with explanation