milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Designed Receivable Solultions, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This is an outstanding account with a debt collector who bought this debt with XXXX Hospital. I contacted XXXX Hospital on my own to find out about this debt. I also told them that I was a victim of ID Theft and that my wallet was lost in the past with all of my personal information in it. XXXX Hospital went over the bill with me on a date of service that I was not familiar with. XXXX at XXXX Hospital stated that they no longer have the debt and that it was sold to the company that I am making a complaint to.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit card () with U.S. BANCORP (AL).
Issue: Credit card protection / Debt protection

Complaint: US Bank issued a credit card product for XXXX XXXX. In the card agreement it says, " ... bonus award night exclusively for card members ... '', " enjoy all these benefits after paying {$75.00} annual fee. " I did pay the annual fee for the card and now they are removing the benefit after I 've paid it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Managing the loan or lease

Complaint: My loan matured on XXXX/XXXX/15 but Santander Consumer states I still owe XXXX. They will not provide documentation as to the amount after multiple requests. They are predators and now I am filing bankruptcy chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owed Trident Asset Management for 2 Accounts : 1. Amount of {$160.00} paid 2. Amount of {$130.00} paid The delinquency is still on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: 3 to 4 yrs ago, XXXX XXXX transferred its Equity Line of Credit loans to Ocwen Servicing Center. Beginning in XXXX, 2013, up to present I have repeatedly requested that any access payment made above my regular payment be applied directly to the Principal. This is not being done. Instead, when i call to make the next months payment to make the interest payment ( as the account is set up to pay interest only and any overage going directly to the principal ), but because the overage paid from the month before is not being applied to the Principal, an incorrect interest amount is being shown due to Ocwen 's failure to apply the funds to the Principal. This is an on-going issue and i have been to Supervisors, Managers, the Escalation Dept., etc. and this problem has still not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: DiTech ( current lender ) could not provide a payoff quote to support the sale of my home. 
They are undergoing a " automation system upgrade '' and claimed their system will be down until XXXX XXXX. I called customer service, talked to a service rep and her supervisor. The answer provided was that they would try to provide the needed information " early next week '' but made no promises. They supervisor 's supervisor was n't available so I left a voice mail for him. The lack of information will have financial impacts to me and the buyer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been writing letters to the XXXX major credit bureaus, XXXX and Transunion since XXXX of XXXX but until now, they still continue to report inaccurate information to some of the accounts that are being listed to my credit report. It has been more than a year writing to them but to no avail! So, I am here hoping that you will be able to help me have these accounts deleted from my credit report since it has been a year now and they seem ca n't seem to get it right. 
Please take a look at my list below : 1. XXXX XXXX XXXX ( Account # XXXX ) I have been telling the XXXX major credit bureaus that this account is reporting different information to them but all they got to tell me is either " they have it verified, they are reporting is right or they have added new information ''. But until now, this account continues to report different information. For instance, the Account Balance. XXXX and XXXX are reporting a balance of {$17000.00}, while Transunion reports a balance of {$17000.00}. The Date of Last Payment also does not match! Transunion reports XXXX/XXXX/XXXX, XXXX reports XXXX while XXXX does not state the date of last payment. I also noticed that the Date of Late Payment or the Payment History are different the XXXX credit major credit bureaus. 

2. XXXX ( Account # XXXX ) This is another account that continues to report information inaccurately as they do not match what is being posted between XXXX and Transunion. For instance, the Open date on XXXX says XXXX/XXXX/XXXX but on Transunion it is XXXX/XXXX/XXXX. The payment history also does not report accurately. 

I wrote to each of the XXXX major credit bureaus almost every month asking them to remove inaccuracies on my credit report. They have done their investigation many, many times! I am believe that they are violation of the FCRA. I wish to have these errant accounts removed from my credit report asap. It is very important to me to get my credit report right as I am considering on getting a new car.

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 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Approximately 4 months ago an XXXX XXXX  issued by XXXX XXXX that I have been using for approximately 10 years successfully had changed something in their system where their payment button on the front page of PayPal not only has quit working but displays a statement as follows- Were sorry we apologize our system is having difficulty retrieving your information, please try again later. This is what comes up on the my PayPal page under make a payment under XXXX XXXX. This IS the same button I have been using to make my payments for nigh on to 10 years. # 2, I was told today, NOT when I finally found a way to contact Synchrony & made my last 2 payments here in XX/XX/XXXX that my account had been closed. 
# 3. When I first called XXXX XXXX tonight, I  was prompted to input my social security number and was told I had a XXXX balance and was also told I had zero payment.

due.

# 4. When making my way to the operator of XXXX XXXX, I was finally told that they had closed my  account and I did have a payment due & also a past due payment, this is after making {$150.00} worth of payments this month-XXXX  2018. 
# 5. I was also told that I better not miss a payment because they will add on {$38.00} dollars to my closed account plus {$28.00} interest. 
ANYHOW, i certainly believe that these things constitute deceptive practices.

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 02-12-2018 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: I have been trying to get a modification on my mortage since XX/XX/XXXX. I have been sending documents to Pacific Union Financial for months trying to save my home for foreclosure. Finally on XX/XX/XXXX I was told that my modification was denied on XX/XX/XXXX with the reason being that I do not live in the property. I have called as recently as in the last week when I spoke to XXXX XXXX, a manager at Pacific Union Financial. I am repeatedly told that I will not get a modification because I do not live in the property. I am in active military service and I have court orders from XX/XX/XXXX ( attached ) stating that I am to report to and be stationed in XXXX XXXX, Kansas. That is where I currently live. It is not only illegal but highly unethical to deny me for a home retention program because I have orders from the United States government to help protect the country and it's citizens in a location other than my own home. The way I see it, my property is still my home, and I am merely away for work, which also happens to be work that keeps this country free for all of it's citizens. Therefore I expect Pacific Union Financial and the FHA will fairly consider me for a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (NY).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX, I was unable to pay my mortgage through Loancare for that month. I made an agreement with them to pay the XX/XX/XXXX payment over a 4 month period on top of my regular payment of {$800.00} a month. So for the next 4 months I paid {$800.00} plus the {$200.00} for XX/XX/XXXX being over {$1000.00} on a monthly basis for the next 4 months. During those 4 months it was showing that I was late on my payment every month summing it up to {$50.00} in late fees. When I finished with the payment plan I called Loancare and inquired about this late fee that was accrued while I was on a payment plan. The customer service representative looked into account and confirmed I was on a payment plan and waived the fees. 
I still do n't understand why my credit report still is showing late payment when payments were made on time while I was on the payment plan fromXX/XX/XXXX-XX/XX/XXXX. Can you please assist me in updating my credibility by removing late payments during those months on my credit report? It is hurting my score. 

Thank You

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 01-12-2018 about Debt collection (I do not know) with SOUTH BAY ACCEPTANCE CORPORATION (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The call is recorded and gives account #. I've returned the call and it is for someone unknown. 

I've requested my number to be removed and they continue to call every other day.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Federal student loan) with Allied Interstate LLC (PR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was tricked into an online learning college scam and ive become aware of it a few months to this day. I was pursuing a dream of becoming a XXXX, but unfortunately I was not lucky at the moment I enrolled in an online institution because there was no XXXX degrees being offered at the time XXXX of Puerto Rico. So I decided to entrolled at XXXX XXXX ONLINE to start pursuing a career XXXX. I asked for several loans to pay for the courses I was enrolled in and transactions were made between the education institution and the financial lender XXXX XXXX to cover the expenses of the degree, which were pretty expensive. XXXX XXXX XXXX was charging me {$300.00} per credit and the concentration courses were even XXXX credits, each course lasted 9 weeks and I only lasted 2 years before finding out that a college in Puerto Rico, XXXX College, was offering the same degree, and I didnt had to pay a cent for the same education and even a better one. I was told that not even XXXX charges {$300.00} per credit. Now I have my degree but there is still no jobs XXXX, neither I have being able to start my own business due to the poverty level im under. I survive by doing a job here and there, by donations my parents give me and by welfare I got at the moment of enrolling in XXXX COLLEGE due to the benefits a student renter has for having such low income. 

I understand that there is a debt forgiveness XXXX practiced in the economic world. Similar to XXXX XXXX XXXX where every seven years debt must be forgiven. There had pass 8 years almost and yet, my debt has not been forgiven.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Closing on a mortgage

Complaint: On approximately XX/XX/2018 Wells Fargo accepted my offer to purchase a foreclosed ( XXXX ) home at 23 Stage XXXX XXXX, XXXX, MA XXXX. The acceptance was based upon a pre-qualification letter from my lender. 

Since there was a seven-day home inspection contingency, the inspection was performed to meet the deadline. Although the listing agent refused to de-winterize the home by activating the water, I paid {$550.00} for the inspection to determine if it was in my best interest to move forward with the sale. The inspector found no major problems and recommended it was safe to advance with the purchase. 

The listing agent is now denying an appraisal of the home. It is well known throughout the housing industry that a loan is not granted without an appraisal, regardless of the type of loan ; however, XXXX XXXX stated to me if she knew it was this type of loan she never would have accepted the offer. This type of loan is a XXXX XXXX XXXX XXXX loan. The statement is discriminatory and leads me to believe there are other motives for the refusal of the appraisal. My realtor, along with my lender and several housing professionals, have never heard of denying an appraisal since it is a requirement from all lending institutions regardless of the type of loan. 

My lender offered an alternative of accepting the Assessment Report from the Asset Manager. This request was also denied stating an assessment report was never performed. If this is the case, how was the asking price determined? 

XXXX XXXX was also contacted by U.S. Housing and Urban Development and informed them I do not qualify for a loan to perform repairs on the home. This is not a fair statement since the repairs have not been determined. 

Therefore, I am filing a complaint against Wells Fargo and XXXX XXXX from XXXX XXXX for unfair and abusive practices. Their refusal of due process violates Federal Consumer Financial Laws.

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 08/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: threatened that my credit will be ruined for seven years and I better have proof that the carpet in the apartment was in good condition if I am disputing. kept asking me for personal information such as my social security number. I already gave a security deposit which was not returned to me also the apartment complex was in the process of making upgrades, as each tenet moved out the carpets were removed and replaced with wood flooring. This is a scam to have past tenets pay for the buildings upgrades. During my time as a tent I never missed a rent payment, even when going without air conditioning on XXXX separate occasions each lasting several days. There was also and issue where Bees began nesting inside of my apartment when I asked the manager for help she hung up on me. the Bees were eventually exterminated. It is not possible to reach anyone above the apartment manager at XXXX, it goes to voicemail and the mailbox is full. Also I was never sent a bill or contacted by anyone that had an outstanding balance before receiving a collections notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Other mortgage) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Loan modification,collection,foreclosure

Complaint: On or around XXXX Doral Mortgage Bank had an aggressive campaign for mortgage lending.Around XXXX, XXXX XXXX I applied for a loan.I was awarded a XXXX loan of XXXX dollars at a 6.75 % APR.Around XXXX when interest went down I applied for refinancing at a lower rate.They denied me refinancing because the house had to be totally built in concrete.This made me wonder because they awarded me the loan when the house was not finished and they new exactly the condition and the materials the house was made of.Soon after that the Bank Disappeared .Popular Bank took over it 's assets .Around XXXX XXXX I tried with this Bank to refinance at a lower rate.They also denied me refinancing.They gave me more or less the same reasons as did Doral Mortgage with the added reason that I had to get a certification from a structural engineer.I wrote a few letters to this bank but no direct answer nor satisfactory explanation as to why the house was eligible in the first place for a XXXX Loan .I am XXXX years .I have a XXXX pension of XXXX dollars.I pay XXXX dollars mortgage and the Federal Board assign to the XXXX because our corrupt politicians drove the XXXX into banckruptcy will be cutting pensions down.This will be happening within the next 6 months.

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 08-07-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have a so called " Personal Service Loan '' with XXXX. It was opened in XX/XX/XXXX. In XX/XX/XXXX, my relationship with XXXX was terminated and my accounts, including this loan, were closed. For the first few months after account closure, I was not receiving statements. I do now receive statements, but often times weeks after the date the statements indicate they were mailed. 

At that time, XXXX was incorrectly listing my account as a revolving credit line. Sometime around XX/XX/XXXX, I disputed it with Equifax. Equifax completed the dispute and reclassified it as an installment loan ( see attached credit report dated XX/XX/XXXX ). Up until today, XX/XX/XXXX, this account was always classified as a CLOSED installment account. When I checked my report today, much to my surprise this account is now listed as an OPENED revolving account with a XXXX late notation. Not only is this account misclassified, something that was initially changed through dispute procedure has been changed without informing me of this change, a violation of FCRA. 

In addition, this account has never been XXXX+ days past due. The minimum payment due on this CLOSED account is {$550.00}. On XX/XX/XXXX, there was a payment made in the amount of {$600.00} -- {$45.00} more than required. In order for that payment to have been deemed late, it would have had to be received after XX/XX/XXXX. 

On XX/XX/XXXX, I made a payment of {$500.00}. Together with the overpayment from XX/XX/XXXX, the total payment made was {$540.00}, which is more than the {$520.00} that was due for that period. However, XXXX is now indicating that my account is {$20.00} past due more than XXXX days. That is not the case. I would never allow a negative entry to be made on my credit report over such a miniscule amount like {$20.00}. Also, I would point out that the payment key on the account indicates as current status.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Approximately XXXX XXXX, XXXX I contacted Experian online to place a credit freeze on my account. I did the same with all the other credit monitoring companies. On my next credit card statement I saw a recurring charge of {$21.00} to Experian had been charged. I was especially upset to see that the charge was recurring. I do not know what this charge is for and certainly did not consent to whatever they think they are doing. Today, XXXX XXXX, XXXX, I finally reached an Experian representative by telephone. She told me that she had closed the account. I asked for a confirmation, and she said the one had been sent by email. I have not received any email from Experian. I considered these actions to be fraud.

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