milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America is the note holder on my home loan ; XXXX is suppose to be modification status, Recently I was served notice of a foreclosure hearing for XX/XX/2016 I made several attempts to notify my BOA consumer affair agent : XXXX XXXX Manger : XXXX XXXX XXXX XXXX XXXX being I received a letter requesting additional documents etcXXXX. I notified HUD being that my loan FHA they transferred me to BOA ESCALATION DEPT. several times to no avail I filled out all requested paper work, However no one has contacted me regarding the matter. This has been very XXXX!!! Leads me to believe this is nothing but a ploy to add late fees monthly until they foreclose on my home ending in damaged credit.

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 10/27/2017 about Debt collection (Credit card debt) with New Era Asset Management, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have repeatedly have called my work and now have called my teenage kids and have scared them tremendously. They have called every day for the last XXXX months and as of XXXX/XXXX/XXXX called my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As of XX/XX/XXXX there is a derogatory mark appearing on my Transunion Credit Report from XXXX XXXX. However, I do not recall ever taking out any lines of credit from XXXX XXXX. 

Specifically in dispute are the derogatory marks for XXXX and XX/XX/XXXX. In accordance with laws governing credit transactions in Kansas. XXXX XXXX would have been required to be registered with the Kansas XXXX Banking Commissioner under K.S.A. 16a-6-201. I have checked with the Kansas State Banking Commissioner and they were not licensed with the Kansas State Banking Commissioner until XX/XX/XXXX, meaning any contracts would be void, as they did not have authority to enter into any contracts in Kansas before XX/XX/XXXX. 

Additionally, I allege any such loans are in violation of the Kansas Consumer Protection Act, Truth in Lending Act, the UCC and are void because they fail to meet the requirement of having an original signature as required by Kansas Law. 

Finally, as I do not recall ever entering into an agreement for credit with this company I also never recall giving agreement for my credit to be pulled or to have this company report to my credit bureau, which I contend would have to have an original signature.

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 11-11-2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have requested for Equifax to provide me on how they verified information on my report. I asked the following : Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. I asked for them to not provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
And they keep sending the same response with no supporting documents or answers to my requests. No one is reviewing my file, and they must have some type of automated computer generated system in place that is managing these files. It is a crime and I need help with this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (AZ).
Issue: Making/receiving payments, sending money

Complaint: I signed up for Wells Fargo Merchant Services to add credit card acceptance to my XXXX. I was not informed that there would be a significant monthly charge for the service ( {$30.00} ) and I was not informed that there would be a very large termination fee for the service ( {$500.00} ). These fees are extraordinary in my experience with credit card processing services. I have terminated the 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 08/13/2015 about Debt collection (I do not know) with M&S Recovery Solutions (DC).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: M & S Recovery Solutions contact me staring that they received my information from XXXX for a debit and threatened to sue me if I did n't comply with the terms I advise M & S Recovery Soultions that I have knowledge of this debt and do not call me again and the representative on the phone said well saying you have no knowledge is like saying you do n't have a brain. I told him he should not contact me again and before I could hang up he said that M & S Recovery would be sending my personal information to the credit agencies. I contacted XXXX acceptance perviously the originating company and advise that I did not apply for any credit with XXXX and a representative stated that they did n't have any information with my personal information. M & S Recovery Solutions LLC are attempting to threaten me into paying a debt that is not mine.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: First of all I got a letter in the mail from XXXX XXXX stating they are a debt collector and that I owed XXXX {$150.00}. It gave an address, phone number, and ways to pay. My XXXX account is good and I owe nothing. I read through and looked at he letter more and something seemed fishy. So I went online to research this company and immediately came across hundreds of complaints about this company being a scam and when people call they ask for your social security number even after giving them the account number they have on the letter. The other people stated they are identity thieves and want your social security to steal. They are a theft ring.

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 04-05-2016 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (ID).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work out a loan modification with US BANK since 2012, with relationship managers XXXX XXXX and now XXXX XXXX have talked to them once a month without success.Today, totally unannounced, I received a XXXX ( XXXX ) page lawsuit against me from a XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX, XXXXXXXXXXXX notifying me that I have 20 days after the service of this summons to make an appropriate written response in District Court, requiring compliance with Rule 10 ( a ) ( 1 ) and other Idaho Rules of Civil Procedure.I can not afford an expensive attorney to respond and in reading the complaint, it is really a legal fight between US BANK and XXXX XXXX XXXX and XXXX to decide who is in the first priority on my property which has been my home for the last 27 YEARS and who is the XXXX priority.I do n't care ; let them fight it out.Why am I involved? Why is XXXX, who handled my refinance and Deeds of Reconveyances not named? I have successfully worked out a modification with XXXX on my XXXX Deed of Trust and hoping to do the same with US BANK. 
Thank you for your assistance, XXXX XXXX XXXX XXXXXXXXXXXX

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 01-02-2016 about Consumer Loan (Vehicle loan) with Leaders Financial Company (NJ).
Issue: Managing the loan or lease

Complaint: I noticed once again that Leaders Financial has reported on my XXXX, XXXX and XXXX credit report that I have two 30 day late payments in XX/XX/XXXX and XX/XX/2015. I generally pay my car note within the grace period and or allowed time. This is the second time that I have had to complain about them reporting 30 day lates and ruining my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: For the last 20 yrs I have been working on my credit report trying to build it to a XXXX or above unfortunately all methods dont work if I pay a bill or write them regarding the statutes of limiations or pay several bills the credit score wont go no higher than a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Managing the loan or lease

Complaint: I purchased a car through XXXX XXXX XXXX XX/XX/2013. They offered me financing through Santander Consumer USA, Account # XXXX. Within 6 weeks of purchasing the car they were already calling me with that I was past due and needed to pay 2 months payments plus late charges, which I did. Santander continues to call me 2-3 times a day for payments and late charges and has now started contacting family members including my father who has passed away during this. In order to get out of this mess, I decided to find a way to find another lender to work with and payoff the loan to Santander. When I did the payoff amount is higher than the price I paid for the car. I have paid Santander over {$16000.00} dollars and they ( Santander ) state I owe them more for the car than I bought it for. Feeling extremely frustrated I asked Santander for an accounting of how all my payments have been applied throughout the term of the loan, and I have been asking for this now for over 8 months. I continue to get 2-3 calls per day, and family members do as well, and I have never received a statement and/or accounting showing me where and how my payments have been applied. I feel Santander Consumer USA is deceptive and has managed my account improperly with no idea of how the payments have been applied. Santander has been harassing and threatening me and my family members and has ruined my credit score by continuing to report me as late payments. Thank you for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Capitol One has done an inquire on my credit report every month with you me knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Recently while conducting a monitor of my credit report I discovered that XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. t I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can  allow me to seek damages from a collection agency.

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 03/31/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Extortion excess escrow ; with threatened Foreclosure for amounts not due ; attachments define the case with proofs ; opposing counsel states the Stipulated Injunctive order CASE XXXX Document XXXX Filed XX/XX/2015 as brought by FTC and CFPB are not enforceable between customers and Ditech Financial LLC , therefore they did no wrong that can be enforced, or the gist similar thereof ; Phone records and specific calls can be identified with key information, but implications are that the recording of such collections calls by Ditech as required to be kept at 90 % per the agreement, are not discoverable to an individual consumer Ditech has abused

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching a copy of the letter I mailed to XXXX, XXXX, and Trans Union on XXXX XXXX, requesting a credit investigations. To date, they have yet to respond. They are supposed to respond inside of 30 days.

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Interest that accure and the balloon interest that went on loan in the short period of time since navient taken over the loans, unreasonable negotiating of lower my payments to an reasonable payments, would not accept a reasonable payment arrangement even after i told them that i was homeless and without a job.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX/XXXX/2015 a Hard Inquiry was done by XXXX XXXX, XXXX, XXXX, XXXX WITHOUT MY PERMISSION AND DONE ILLEGALLY WITHOUT MY KNOWLEDGE and should be removed immediately.

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 03/28/2017 about Credit reporting () with Phoenix Financial Services LLC (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed this account with the Credit Bureaus as well as Phoenix Financial. I disputed this account with Phoenix Financial on 2 occasions and on each occasion, they were unable to provide me a summary of all account activities, payments made, copies of charge slips, invoices, copies of documents sent to me regarding my account and any papers that bear my original signature that reflect that I agreed to pay what they say I owe. See attached letter I sent them as recent as XX/XX/XXXX of this year responding again to their letters. How is it that they sent me a letter dated XX/XX/XXXX and XX/XX/XXXX, and both were the second notice? I have never heard of this company nor have I ever did business with them. I have never signed any contracts nor had any obligation to them. This item is not 100 % accurate ( Collection accounts have no terms, so why are they reporting a term of 1 month if I never signed any contract or agreement with them, nor is it verifiable ; therefore, this items should be deleted from my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In XX/XX/2011 I had a XXXX / XXXX. I had used the card and been making payments on auto-pay from my checking account monthly. Suddenly for no reason that Sync Bank could explain, they began reporting my account as delinquent. They failed to inform me in any fashion that I had late payments ( according to them ) on the account. I contacted them and was alarmed to find out that they had been reporting that I was late on payments ( again, from checking auto-pay ). I immediately paid off the card. The bank asked if I would like to keep the account open and I informed them no since they had made such a mess of things. They informed me that they would close the account as I had requested. 4 years later, I had my credit pulled for financing and was informed that I was being declined for financing because XXXX / XXXX had reported the account to all three credit bureaus as a " Charge-Off '' that was transferred to another lender ( which is false as I had paid it off directly to the bank and had requested the account to be closed ). I contacted XXXX / XXXX by telephone and requested information about the situation. They informed me that they had no information on what had happened, but that what they reported was correct. I disputed the erroneous information with TransUnion. The disputes came back as verified from XXXX / XXXX. This incorrect and false information is costing me lending opportunities and is causing me undue hardship. I find the company failing to provide me with information on the issue unconscionable and believe it to be done with malice and as a violation of my rights. I appreciate your help in getting this incorrect information deleted from my credit report and removing this undue hardship that their negligent actions have caused 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 11/13/2016 about Debt collection (Medical) with Quality Asset Recovery LLC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The source of this debt is a visit to the XXXX hospital. My wife was XXXX of 5 months at the time. She XXXX. All the literature states that if that happens, one should get checked asap. 
Therefore we went to the closest XXXX. Our XXXX plan has a coverage for XXXX visits with {$100.00} copay. 
We were admitted through the XXXX and taken to XXXX ( XXXX XXXX XXXX ) on a wheelchair without asking anything. Her insurance information was taken when admitted. 4 months later the hospital sent us a letter saying they were experiencing lack of cooperation from the insurance company. 
The insurance company has gone as far as stating that the XXXX should have contacted them before sending us to XXXX XXXX XXXX. The hospital ( logically ) argues in a situation of XXXX where there is a XXXX there is no time to waste on bureaucracies. 
When we called the hospital about the debt, they said there was nowhere to specify that the XXXX XXXX XXXX treatment was provided through the emergency room on the system. However, they said the insurance company should know all XXXX XXXX XXXX interventions are emergencies, as they are never scheduled. 
The insurance on their end argue that if the invoice does not specify that it is an emergency room situation with its corresponding code, it is not covered as such. 
We 've discussed with the hospital and they said the system does n't have that code input - it is either XXXX & XXXX or emergency room, but it can not be emergency XXXX XXXX XXXX, and the best they can do is put it as a note in the invoice. 
We 've gone as far as coordinating several calls between XXXX payments department and the XXXX financial departments to clarify the situation, and have reached a stalemate. XXXX claims they can not pay without the XXXX code, and XXXX say they can not do it on the system. I even have recordings of these calls where hospital agents admit it 's not our fault but they can not do anything about it. 
I 'm afraid there is nothing more I can do, but it is not my responsibility to pay the bill for something that is clearly a systems issue between the insurance company and the 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