milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HEARTLAND PAYMENT SYSTEMS INC (TX).
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: I requested XXXX to conduct an investigation into my Campus Partners account that has been open since XX/XX/XXXX. The account was supposed to be consolidated with the rest of my student loans but was erroneously left out. The challenge is that account has been erroneously reported as a collection account and past due since XX/XX/XXXX. The loan has since been paid in full.
I informed XXXX of the same. Not only did the investigation exceed 30 days but they told me on numerous occasions that the first delinquency was XX/XX/XXXX which is not true and they could not delete the trade line. When I asked for a full payment history since the opening of the account, they would not comply which, in my mind, should be been verified during the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Debt collection (Payday loan) with Solidus Group LLC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: 1. XXXX XXXX working on behalf of XXXX XXXX XXXX XXXX I received a voicemail that stated that this company was looking for me. A complaint against me has been filed and paperwork is being sent to my local county clerk 's office. I called the number back to see what this was about and was informed that I took out a Payday loan in 2011 with XXXX and because I used a check- Charges were being filed against me for theft by check and deception of bank. I informed that I had no idea what they were talking about and that I do not remember taking out an online payday loan. They stated that they had all of my paper- they read off a lot of my personal information to me and said that they have all they need to get me arrested. I told them I have no idea what they are referring to and that I would need to see copies of the documents that they had on me before proceeding any further because I did not take out any loans. I also asked if I could have their physical address and the lender they are working with to verify the information they are saying. The lady called me a fraud at least 5x 's and said that I am trying to steal money and I would be going to jail soon for fraud. I told her - I had no idea what they were talking about and that until I get paperwork - There is nothing I can do. She said that they will file the paperwork by the end of the week and I will be picked up on my job. She hung up on me - I called back and was hung up on by multiple people. They have called my job and family members and said that I am in legal trouble.

Company response to consumer: Untimely response
Consumer complaint received 06/28/2016 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call repeatedly. Sometimes 2 or 3 times a day. When I answer they hang up. If I do n't answer, it goes to voicemail and they do not leave a message. If I call them, it hangs up. 

After about a month I decided to call until I got someone on the phone. After several calls, I got an automated message telling me someone would be right with me. When it finally connected to someone, they hung up. After repeated attempts, I got a person on the phone. I repeatedly asked that they identify the company and they refused. Only after I identified myself and threatened to report them to our Attorney General did they identify themselves by name only. When I asked the purpose of the call, their only response was to ask information about my paypal account. When I refused, they hung up. 

I researched the company online. They are a debt collection company. As such, I feel their actions are a clear violation of the Fair Debt Collection Act. Specifically, subsection 806 Harassment or Abuse. They repeatedly called, only to hang up when someone answered, which can only be considered an intent to harass. Also, they placed calls without meaningful disclosure of the their identity, and when requested to identify themselves, they refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: dear sir-i am trying to do loan modification with caliber home loans send them all they asking 3 time -- -call and tolk to about XXXX rep from there co, every one tell me something different -- send them with the USA mail service register with the return receipt all the ask..i am asking them.-to validate the debt -- -- -- debt validation -- -- -- not account summery.-also to send me a proof theta i have contract with them, i also need there tax registration certificate, than you-XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: XXXX   XXXX   XXXX  received paperwork including a divorce decree and quit claim deed in  XXXX  stating that my name was to be removed from the title and mortgage but they failed to do s o Currently, my ex-wife was 21 days late on a payment (   XXXX   XXXX  ) but was never more than 30 days late an did submit a payment every month. Through a technicality, they retroactively applied the  XXXX  payment and carried over a late balance all the way into  XXXX  even though she 'd never been more than 30 days late sending them payment They are now fili ng 30  and 60 day late payments to my credit even though they received payment every month and my name should not even be on the mortgage as of  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 12/21/2016 about Credit card () with EQUIFAX, INC. (IL).
Issue: Billing disputes

Complaint: Equifax Consumer XXXX placed a charge on my credit card for {$17.00}. I called them to determine why the charge was made. I spoke to XXXX folks, in XXXX and the US to try to determine why the charge was made. I was on the phone for over two hours and transferred around the globe. In the end, they suggested, I write a letter and provide copies of my credit card billing, which contains other personal information. They were not able to help me via a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (MT).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: XXXX XXXX, XXXX when shopping at a local XXXX store, my personal check was denied by the check verification service they use, Certegy Check Services. XXXX can not answer why the check was denied but prints out a little tiny piece of paper telling you to contact Certegy Check Services at XXXX for assistance. 
This number is an automated service wanting your bank routing number, bank account number, social security and drivers license numbers. You can not reach a representative using this number. Going to Certegy 's website, I found XXXX listed for customer service. The person I talked to wanted all the same info and proceeded to tell me nothing. They give you a total runaround and can not tell you why your check was denied. You get " could be '' risk factors but they do n't have access to what risk factors are, your check did not meet the standards in their risk modeling software, but again they have absolutely no answers or reasons for denial, they just keep repeating the same canned answer over and over. They can not tell you if you will be at risk for future check purchases or which businesses use their verification service. Certegy can not verify funds due to federal laws protecting consumers bank accounts, so why are they even allowed to be in business? What service are they really providing business?

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 01-10-2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Trouble during payment process

Complaint: I got a Loan with GMAC 14 years ago for XXXX. After 7 years ocwen bought them out and I modified my loan. I am actually losing my house now to a short sale or worse foreclosure. We had a short sale set up and the 2nd, my equity line if XXXX decided to foreclose. The sale was set fir yesterday. However they cancelled the sale and now I think the short sale will take place. But ocwen has said my payoff after all these years of paying is {$610000.00}. The original amount of my loan. Please excuse my ignorance but I do n't know what to do. I 've called them at least 20 times and they always say I 'm right, this does n't make sense. Then they transfer me. I never get anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (FHA mortgage) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I had an unauthorized payment posted to my mortgage account in XXXX 2015. There were XXXX XXXX XXXX payments posted to my account that month both from my BBVA Compass account : I only authorized XXXX payment. 
The disputed charge is : XXXX {$1100.00} ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I am a XXXX woman. I have a, FHA secured mortgage with BOA as they are the servicer. Due to the cost of living increase and my only source of unearned income being from Social security I applied in XXXX 2014 for a modification to my high interest loan. I have been treated with discrimination due to my unearned income. They have ruined my credit with the credit agencies in their unfair treatment. I have consistently paid, every month the escrow and payments toward principal. The BOA fails to report these payments as mad and refuses to abide by the rules of FHa whereas the direction of payments with FHA secured loans are first applied to escrow evry month then to the principal. this has been going on for more than 16 months. it is unfair as I qualify for modification to my excessive interest and they fail to abide by federal and state laws. The FHA standards for home modification allow for a {$100.00}. decrease in monthly mortgage or a mortgage payment equivalent to XXXX % of the gross income. My gross income is sworn to with proof and BOA wrongfully enlarges the gross income. this is against the law as my income is unearned and not taxed. I provided BOA and FHA the DEPT OF REVENUE facts that my income is XXXX % below poverty and XXXX % of what the minimum wage is. Therefore if it were an invome I would not be taxed. I also provided them with proof that XXXX persons can not receive earn income deduction from IRS at tax time like working people. BOA keeps violating my rights. Please step in to report them to the GOVERNMENT for unscrupulous conduct and breaking federal laws to disable, handicap and women.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Diversified Consultants, Inc. (NE).
Issue: Problem with customer service

Complaint: I have already paid this amount with XXXX off and contacted the debt collector which was over a year ago and they said they've already updated the credit bureaus. Its only updated through XXXX not XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: YESTERDAY..TRANSUNION CONCLUDED INVESTIGATION ON XXXX XXXX ON THE RESULT ATTACHED transunion in the remarks says falsely and inaccurately that the account was settled for less than balance.I want complete information to report, I want the amount I paid on XXXX/XXXX/2016 to be the recent payment : {$260.00} and amount paid {$260.00} on the report.I want {$250.00} to stay on the report as the correct amt. of original collection.I have included creditor letters. 
IF TRANSUNION DOES NOT REPORT THE AMOUNT ACTUALLY PAID ON THE REPORT ... TRANSUNION MAY BE AIDING AND ABETTING AND CONSPIRING WITH XXXX IN A CA ROSENTHAL FDCPA VIOLATION OF ARTICLE 2.6. ( ATTACHED ) additionally today transunion would not start a dispute on the phone or on-line.I called XXXX two times was transferred 4 times each until I was left with a voice-mail. 
I clearly stated the purpose of my call to XXXX different people to dispute on my credit report. 
The previous CFPB INVESTIGATIONS SHOW THAT TRANSUNION HAS A PATTERN OF VERIFYING SERIOUS FALSE, DAMAGING INFORMATION ON MY CREDIT REPORT.

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 01/13/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XXXX 2015 I called XXXX XXXX and gave them my information. And they told me that I was eligible for debt forgiveness of my debt being completely forgiven. But afterwards I found out that they just switch my laundry to something else and told me that I was accepted for forgiveness but I did not get it afterwards. My loan was n't reduced or forgiven and now I pay a higher interest rate. And the put me in forbearance without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Federal student loan debt) with COAST PROFESSIONAL INC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Coast Professional calls my cell ~twice a day and recently they called my office - speaking to 2 colleagues of mine prior to me. I have written them asking to no longer be contacted, but they call while I am at work every day when I can not take personal calls. Calling my office is aggressive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (Auto) with CarMax, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My deficiency debt from Carmax was assigned to a debt collection agency, XXXX XXXX XXXX. The amount was raised over {$3000.00} without any proof of the interest rate or fees from the original contract. I spoke with XXXX XXXX initially and tried to settle this debt but have not been able to maintain any sort of communication with them. I have called multiple times and am told that someone will follow up on this case and call me back. I have also sent email correspondence on these dates ; XXXX XXXX 2015 XXXX XXXX 2015 XXXX XXXX 2015 I have reached out to the creditor, who still holds this debt, multiple times and have not received a single phone call, letter or email. I simply want to take care of this debt and both the creditor and the collection agency has made it near impossible to settle this debt. 

Since this has been such a hassle I would like to also explore the avenue of the collection agency charging unwarranted fees and interest, as the original contract was deemed null and void upon repossession of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My date of birth is incorrect. I a m  XXXX  old. I was not born in  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 05-06-2015 about Debt collection (Credit card) with Unified Global Group (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: All of them best describe this company. Unified Global Group XXXX XXXX. XXXX woman by the name of XXXX and XXXX use threats and insults instead of verifying they are representing a legitimate business. I asked for things in writing they said '' pay your bills. You know what this is. " They never correctly could identify the original creditor. States I owed XXXX XXXX. and thats all the information they could give me. I never opened a credit card with this company and tried to contact this company to find out they bellied up due to fraud and lawsuits. I asked on first call from them to send something in writing and who and where they were calling from. They would not reveal any information on anything but contentiously say I need to pay my bills. When i ask for specific information on them they repeatedly hang up in my face. Minutes later an automated call back to my phone. I asked them to stop calling its harassment and they say we will keep calling you till you pay your bills. I own a business and one of the woman ( XXXX ) stated " do n't you own a business you cant pay your bills '' as if she looked me up.Calling my sister threatening that if they do n't get in touch with me they will continue to call her. Making statement about legal documents over the phone. Asking for personal information but not revealing the city and state they are calling from. calling from a local number which leads to an XXXX number. Throwiing slander " are u calling off your obama phone '' you cant pay our bills. we can talk when you will pay this bill '' Automated phone calls back to back at my employment and cell phone.

Company response to consumer: Untimely response
Consumer complaint received 08/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problems caused by my funds being low

Complaint: Since I opened my account with Bank of America I 've noticed a pattern of allowing larger items to be processed prior to smaller items regardless of the order in which the items are presented. I 've had several overdraft fees refunded as a result of bank error primarily because of charges accrued after a deposit was made. I 've gone into the bank and tellers suggested that I set up balance alerts. My alerts were initially set for {$25.00}, if my account fell to {$25.00} I was supposed to get text and email. I would receive notice only after I 'd been charged overdraft fees. I went back to the branch and raised the alert balance to {$100.00} this was XXXX XXXX, and despite increasing the alert limit with the banker I still have continued to receive alerts once my balance has dropped below {$25.00} after my account has received overdraft fees. For example today XX/XX/XXXX I logged into my account and noticed I have been assessed XXXX overdraft fees yesterday but no notice still today. Additionally I made a deposit of XXXX dollars on XX/XX/XXXX. Despite making this deposit at XXXX on the XXXX, on the XXXX I was assessed XXXX more overdraft fees at {$35.00} each. This month I also have a charge for {$14.00} still pending and the charge was done XX/XX/XXXX that was put through today with an overdraft charge. In contrast a charge for XXXX was n't presented until the XXXX but it went through prior to the XXXX dollar charge.. Neither with appropriate alerts despite setting up alerts on several occasions. When I filed a complaint and complained previously they refunded only XXXX of overdraft charges today. I have been charged {$1700.00} in overdraft fees since XX/XX/XXXX, as a result of the same practices and {$240.00} is n't sufficient considering that this practice has been ongoing since I opened the account in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2016 about Mortgage (Home equity loan or line of credit) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I had a home equity loan from Sovereign which was a second loan taken out on our home. The loan was taken out with Soverign and they became Santander. We went through a loss of our business and Chapter XXXX bankruptcy which has been released. Originally, we had made our monthly loan payments directly through our checking account with the bank because they required that it was done that way. After we went into bankruptcy the bank we were informed by our local branch that they would no longer allow us to make payments directly through our account. They did not give us any direction as to how and where we should continue to make these loan payments. So, we brought our monthly check payment to our local branch. After a year or so, the branch stated they could no longer take the monthly loan payments directly. We spoke with the branch manager at that time and we wanted to know why this was no longer allowed. He told us he would " look into it '' and later informed us that it was because of our bankruptcy but we could drop off the check at the branch and they would foward it to the appropriate office. Once we declared bankruptcy, we no longer received monthly loan apyment notices or other information on our existing loan, payments that we made, or loan balances. Since the bankruptcy was discharged in XXXX, we still have not received any information on our payments or loan balances. We do not even know how much we have left to pay or even what our account number is. All of our efforts to go through the numerous different branch managers to find out what was going on have failed. We continue to make payments through the local branch office but only get a handwritten receipt from the bank teller that acknowledges our check payment ( without any account number on it ). This has become so ridiculous but we can not get a straight answer about our loan! The other problem we are encountering is that when we leave our check with the local branch, we never know when it will be cashed. Some months it is in 3-4 days and other months ( like the last XXXX XXXX payment ) it was not cashed for weeks. This has caused us to get into an overdraw situation with our checking account ( from another Credit union ) and we end up paying expensive overdraw fees. We need to get the information on our loan, what we owe, where we should be sending payments, and when they are due and expected to be cashed ( not to mention an account number and documentation of payments received ). 
Please let us know if we can get help with this.

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