milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In late 2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report because they agreed the amount was not owed based on circumstances. Although I have communicated numerous times with the collection agency they continue to attempt to collect the debt and refuse to delete the derogatory collection item that was placed on my credit report with all three credit reporting agencies. To date I have not received any letter from the collection agency providing me with an opportunity to dispute the validity of the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WI).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: During the period of XXXX, I had numerous telephone conversations with Navient regarding my signature student loans by talking to managers and collections department and education department. I also sent a letter to Navient credit department requesting to remove all late pay during the forbearance period of XXXX. They did not respond to any of my calls in writing or by phone. I had to call them and they said they did n't receive the letter which was sent Priority USPS. A couple days later they admitted to getting the letter and said legally they could not remove the late pays. I am on XXXX Social Security. The repayment loan they requested was not in the means of my income up until XXXX/XXXX/XXXX. They lower the payment to {$160.00} per month over a 20-year period. They take this amount out of my checking monthly. In XXXX, they did not sending any correspondence regarding the loans. In XXXX, I was dealing with the inadequate training of their personnel telling me the loans would be discharged. I had to resend all paperwork in XXXX regarding my XXXX and work on a payment plan sufficient to my income. 
They have reported late pays on my credit report. During the above period I am requesting that all late pays be removed so I can get a home loan which is already in process but being held up do to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I bought a cellphone in XX/XX/2017 the cellphone never turn on I return it to The store then I called the Bank of America CREDIT CARD and put a complaint for defective merchandise case number XXXX the prize XXXX the bank never did nothing they paid to the store yesterday the store gave me a new cellphone but is the same think it does not turn on I do not want to pay Bank of America for defective merchandise the store is XXXX XXXX & XXXX XXXX XXXX XXXX XXXX NJ 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 08/27/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: my credit report says that I opened a credit card account on XXXX XXXX with Citicards CBNA. I never even heard of this company before let alone open an account with them. Could you please help 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 non-monetary relief
Consumer complaint received 05-06-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I contacted TSI regarding information on my credit bureau report. I was given my main account number and was transferred to a different department. The woman I spoke with, her main number was XXXX. She was nice until I requested verification of the debt, at which time she told me she would request it but I would likely not receive it since they 'd sent information previously and I had not responded. I told her that they were sending to the wrong address previously, to which she continued to berate me about how I was not cooperating, etc. I told her that I wanted to speak with a supervisor. She XXXX refused to pass me to a supervisor. Then she put me on hold for some time, then came back and told me that she had the XXXX supervisor that was on a conference call and the other that was not at her desk. I told her that I would wait for the conference call supervisor, she had insisted on putting me into voicemail. She then put me on hold again. When she came back, she told me she would give me dates of service over the phone along with patient information and amounts owed. She apparently is not sending me this information, which I had requested. She wanted me to pay the smaller balances over the phone, to which I told her that was in dispute. She is also stating that bills for my husband, which he has a separate insurance and I have not signed as guarantor on his accounts onto mine. She also refused to let me send in payments, she told me if I sent in payments, they would be applied to all the accounts, rather than the XXXX I specified and if I chose to pay for a specific account it would have to be done over the phone. I want to file a complaint against this company and this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MO).
Issue: Unauthorized transactions/trans. issues

Complaint: Rush card has been holding mu money since XXXX/XXXX/2015. It was several days before I received any money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2018 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of Identity theft. This account was unauthorized

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX Opened my Student checking and savings account at Citibank, XXXX XXXX CA branch. 
The banker XXXX explained that the account is free, so I believed it was a free account. 

XXXX. XXXX Citibank started charging a monthly service fee without notice. I had a balance of {$300.00} in the checking accout. 

XXXX. XXXX I received a letter saying there 's not enough funds in my checking account and that I was being charged an overdraft fee of {$34.00}. Because my {$300.00} balance had been used to pay the monthly service fee and my account was now overdrawn. 

XXXX. XXXX XXXX I went to the Citibank XXXX XXXX branch and asked them to refund all monthly service fee ( {$12.00} times 16 months = {$190.00} ) and the overdraft fee ( {$34.00} ). After speaking with the branch manager, XXXX, she refused and said they would only refund for 3 months service fees. They explained that the account was not free and the banker opened a normal account instead of a student account which is free. 

XXXX. XXXX XXXX I contacted the Citibank customer service center and I tried to negotiate a refund of the service fees. The representative processed a refund for 1 month of service fees ( {$12.00} ) without my agreement. I asked them to cancel this refund because I did not agree with it but they said they ca n't. 

Summary : I was taken advantage of by the Citibank XXXX XXXX branch when opening my student account. There was no notification of me being charged fees and after asking them multiple times to refund my money they 've refused. I did n't use this account as I was told it was free, I only checked their e-statements the first few 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 12/13/2017 about Debt collection (I do not know) with Alorica Inc. (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Global Receivables Solutions has been calling me every hour without leaving a voicemail. I 've received nothing from them in the mail, so I do n't know what their supposed business is with 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 10/19/2015 about Credit card () with Army and Air Force Exchange Service (FL).
Issue: Credit card protection / Debt protection

Complaint: I called the Navy Exchange customer service today to remove an authorized user from my account. I was told by a customer service representative and their supervisor to call back in 48 hours to remove the authorized user from my account, giving the person I am revoking authorization an additional 48 hours to make purchases that as of today I no longer authorize. They sited " system limitations '' as the reason I can not remove an authorized user from the account.

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 (VA mortgage) with ALLIANCE FINANCIAL RESOURCES (CA).
Issue: Application, originator, mortgage broker

Complaint: My wife has been in contact with XXXX XXXX and XXXX XXXX, of Alliance Home Loans, and has asked them both to take us off of their mailing lists. XXXX assured my wife that we would be removed from their mailing lists and that we would no longer hear from them. We have since received a few more mailers regarding refinances from their office. They have sent us countless letters from XXXX, XXXX, and her husband, XXXX.

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 09/20/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my final bill to Citibank for credit card debt that they claim was received two days late. I claim it was not. In any case, they have been charging me {$35.00} a month plus interest and the total debt now is {$150.00} and I tried to speak rationally with them and they would not have it.

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 08-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: At the end of XX/XX/XXXX, I filed a claim with my Chase Sapphire Preferred credit card to enact the trip insurance I was given by being a holder of this card. The trip insurance states that if I purchase a trip with the card, and then experience an illness that prevents me from going on the trip, the insurance will cover the loss in full. Unfortunately, I became ill before my trip, went to my doctor who advised me against traveling due to medical reasons. A medical doctor, both verbally and in writing, told me that due to my illness, it was inadvisable to travel. So I cancelled my trip, filed the claim, and was immediately denied. When I called back to ask about the denial, the agent said it sounded like a basic misunderstanding and that I needed to file an appeal. I immediately did that. Did n't hear anything back for a week, so I called in and they had zero record of my appeal. So I filed it again. And I was denied again. They claimed that it was my choice not to travel and that my doctor was wrong, despite the written proof that was given to Chase. My account number was XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Other mortgage) with Alliance Credit Services, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My HOA, XXXX XXXX in XXXX XXXX Florida changed the management company they use in the past 6 months. I only received notifications that they were no longer using XXXX, I did not receive a notification of whom our new management company was, therefore, I was not made aware of who to pay our XXXX dues to. I received a letter from XXXX collections company yesterday stating I owe the past due HOA fees of {$240.00} plus a {$150.00} collections fee. The collections fee is more than 59 % of what I owe the HOA. The contact information for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Other debt) with Collection Bureau of America Ltd. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: For over 2 years I have had an account with XXXX XXXX XXXX XXXX XXXX. I have NEVER had an interruption of services, in fact, received a water delivery yesterday XX/XX/XXXX18 but Collection Bureau of America is collecting on this bogus debt and refuses to contact XXXX XXXX to resolve this issue. 

XX/XX/XXXX.18, I contacted both companies to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a unknown account listed on my credit file which I have disputed and received nothing no validation etc. Please help I do know what else I can do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Shellpoint Mortgage Servicing ( shellpointmortgageservicing.com ) incorrectly took extra interest from me that was not theirs TWICE. The first time, they applied extra principal I added to my monthly payment to interest. I tried to resolve this by phone which supposedly would take a few days. When I logged on to my account a few days later on XXXX, I noticed Shellpoint Mortgage Servicing postdated my extra mortgage payment nearly a month ( from XXXX to XXXX ) and unfairly took an extra month 's interest once again. I noticed this by checking my payoff amount, reduced by more than extra month 's interest ( see attached documents ). Mortgage companies must ensure that they are able to apply principal payments correctly and timely so consumers are not forced to pay interest not due, in my case, paying two months of interest in one month. Does Shellpoint have the ability to fix this issue in accordance with fair lending practices, compliant at the state and federal levels? I request that my principal payment be applied at the time it was received by the company and the payoff be amended to its real amount. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America is processing a short sale. They are requiring the mortgagor to sign an authorization to release personal nonpublic information such as social security numbers, account balances, payment information to the real estate broker in the transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Ally financial is reporting on all 3 of my credit reports. XXXX, XXXX, and XXXX all incorrectly. Balances of {$9500.00}. I have contacted this place on several different occasions and I have no progress in over a year. Just more bad comments to my credit reports. I have tried emailing the CEO of the company on more than one occasion, No responses on the date of X/X/17 and X/X/17. have sent disputes through all three credit bureaus and the better business bureau as well. Dates including X/X/17. X/XX/17 and XX/XX/17. I have one report showing my balance is paid in full, I have another report showing i only paid only a % of it. All reports show this account was closed over a year ago. No balances are correct. I have had no contact with this place, they have not contacted me, no letters, no calls, no correspondence. How is a closed account reporting negative payments? Is this even legal?? I got no notification of this action. I would like to demand proof of this debt, specifically the " alleged '' contract or other instruments bearing my signature and identification as well as proof as well as your proof of authority to collect and report this matter. Please evidence your authorization under 15 USC 1692 and 15 USC ( f ) in this alleged matter. Please provide a complete account history, including any and all charges added for collection activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I have been trying to refinance my XXXX Mortgage, this was an interest only loan from XX/XX/XXXX that went to a 6 month ARM. the value is finaly such that I have enough equity to refinance. The process was started on XX/XX/XXXX. I also have a XXXX mortgage that must be subordinated through Select Portfolio Services. All requested documents were sent by me within days of request. both companies have dropped the ball on loan processing. the XXXX lien holder took XXXX ; 30 days to complete the subordination agreement. When it was sent back to them for signature, they said it did not match the good faith. When it was corrected and sent back for signature, the signature line was incorrect!!! Now for the XXXX time the subordination agreement is with them to be completed and they are still dragging their feet. this was to refi my ARM to a fixed rate loan lowering my payment by over a {$1000.00} per month. To get either company moving I keep escalating my complaints but they both are so incompetent. They are happy to take my payment on time each month for the last 10 years of course when I refinance, they will make less money. Not sure if there is anything you can do about this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Prepaid card (Gift or merchant card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Overdraft, savings or rewards features

Complaint: I have been issued a reward card which expired XX/XX/XXXX. Reward card was issued by Kohls for {$150.00}. 

Now they are not re-issuing the replacement card

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Struggling to pay mortgage

Complaint: We had a modification agreement in place. We were hit by hurricane Irma. We requested a forbearance for 90 days. XXXX XXXX allowed us to make one payment before blocking our account. We we told to fax a document to them stating were not in litigation, we did. We qlso spoke with their attorneys XXXX XXXX XXXX in XX/XX/XXXX. He called XXXX XXXX and confirmed we were not in litigation. Rushmore refused to unblock our account. We received paper work on XX/XX/XXXX to resubmit modfication paperwork. I called today to let them know we were gathering the documents together and they would be faxed Monday XX/XX/XXXX. They advised we are back in litigation and have added {$6000.00}. To our already overcharged account. XXXX XXXX sold the bad debt while we were in bankruptcy proceedings, illegally. XXXX XXXX sent us a statement that XXXX XXXX had overcharged oyr account by {$3000.00}. Rushmore never corrected the account. They have charged us three times for attorneys fees, over {$15000.00}. We have not been in litigation ever with Rushmore. We qualified for the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: Unauthorized inquiry.   Fraudulent loan application

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 11/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I have attempted to reach out to OCWEN and work with them on a modification due to being unemployed for close to 7 months. The mortgage company has giving me a difficult time and the run around and has not given me an answer as of yet. I have filled out and sent in the paperwork on numerous occasions due to them indicating that they had not received the paperwork. A few months back they shared with me that I could have filled out the information via online, so I did and they still indicated that they had not received it. So, it was recently faxed to them per their request. And, they refuse to accept a payment or any form of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed this alleged debt multiple times with the credit bureaus each time they allegedly verify this account is mine and reporting XXXX accurately. I have sent XXXX disputes via certified mail to Portfolio Recovery Associates as well and they have never responded or sent me any proof about the alleged debt they are reporting on my credit file.

Company response to consumer: Closed with explanation