milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2016 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My voicemail indicates that I am repeatedly being called by unidentified representative ( s ) associated with Diversified Adjustment XXXX Services, a debt collection business. Telephone # XXXX or XXXX. 

I DO NOT HAVE ANY PAST DUE DEBTS and have never had any debt that was referred to collection. My Credit Score is over XXXX, and I do not respond to any call from any debt collector who obviously has the wrong telephone number!!! 

I am a single woman ( never married ) with no children, and have always paid my financial obligations on time!! I regularly monitor my personal financial information to check for signs of unlawful charges/theft. I have not received any indication or documentation that suggests I am the victim of identity theft. I also screen telephone calls from unknown sources, and respond to only those which are based on legitimate voice/reason. Hopefully, the measures that I take minimize the chances that I become a victim of a credit/financial scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Checking or savings account (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: hello, i opened three accounts with First National Bank of Pennsylvania - Personal checking, business checking and a savings, I believe it was in XX/XX/2017. First National Bank closed my Business Checking Account and My Savings Account without prior notice somewhere around XX/XX/2017. My accounts were at a {$0.00} balance. I had a debit card and checks for the business checking account. I don't feel this was right. i could see if it was at a negative balance for an unreasonable amount of time but instead they closed it for zero activity. The account had not been open for more Unfortunately I don't have any other information because the account was closed and i can't retrieve my account number online anymore. The name on the account was XXXX XXXX DBA XXXX XXXX XXXX ( or something like that ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CT).
Issue: Account opening, closing, or management

Complaint: Paypal Credit is requesting a high minimum payment well over XXXX, I do not have the exact amount available, however, I know its over XXXX. I understand the account is past due, however, this amount far exceeds my weekly paycheck. Ive attempted to request this amount lowered, however, calls are transfered over to collections and reps will not lower amount. This is highly unfortunate as it is in the best interest to cooperate if they wish to see any kind of payment ( s ) at all. Please advise them I can not pay such a high amount, it will have to be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Franklin Financial  Corporation (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Franklin Financial reported my account was closed to the Credit Bureau, but it was never closed I was still making payment, and the Finance Company was making reports when ever I was at least 30 days late. Also, the amount they said I owed was never updated. Now I paid it off in full, but it still is saying I owe, but I paid it off in full as of to date.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I read about the class action suit against Navient, formerly XXXX XXXX. I would like to stay informed as I believe I am a victim of misinformation, deception around repayment options. I graduated from XXXX XXXX in 1995 ... yes 1995 - 23 years ago! I have paid my loans for years, however at various times ran into financial difficulty, job layoffs, had children and could not work and simply financial hardship. The interest charges have accumulated SO MUCH over the various forebearances that were suggested to me that as of today my balance due is MORE THAN the original loan amount! I owe more today than the amount I borrowed 23 years ago! Time after time I called to discuss financial hardships and was immediately pushed towards forbearance. At times I was told there was no option to lower my payments and I pushed and they were able to find a plan for me. I was told I am not eligible for any type of loan forgiveness & that as part of the income sensitive repayment plan even if I'm on it for 25 years that this program is not eligible for loan forgiveness. I had to claim bancruptcy about 10 years ago & was told i could not include my XXXX XXXX student loan. I will die someday with this student loan debt! I will never pay it off. I am currently on the income sensitive repayment plan that I have to renew yearly. Reading the article really hit home and I hope these thieves are ultimately the ones that lose out after they have contributed to stress and anxiety that so many suffer from due to debt that is suffocating them ... all while these executives collect XXXX dollar bonus checks comprised of hard working, bill paying American citizens!

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Non-federal student loan) with Northwest Collectors Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Agent named XXXX from NW collections called from XXXX never Identified the debt did not verify if I was the consumer never stated the mini Miranda or tape disclosure was rude and harassing exact statement when I question the validation of debt her exact statement was you do n't ask questions until she is done speaking did not provide s first notice or any validation of debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (NJ).
Issue: Application, originator, mortgage broker

Complaint: I applied for a refinance XX/XX/2016 through Guaranteed Rate. They said I was pre qualified for a XXXX refinance. They just needed {$400.00} for appraisal. I was told I was to receive the report same day they received it from appraisal company. That was almost a Month ago. I reached out today about the delay. My mortgage broker said they were n't moving on with the mortgage. Houses in my area are selling between {$300000.00} and {$400000.00}. I told her if she was pulling out of the deal and still had n't provided me with the report, I wanted my {$400.00} back. Her response was they had n't charged me for anything. So, now I am really confused. Most recent email stated " per my request, my mortgage application was closed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (RI).
Issue: Loan servicing, payments, escrow account

Complaint: The Company Ditech is harassing me with phone calls. They have stated in the past specifically to XXXX. That I was on a no contact list. They are still calling. They lied to XXXX. I have told them to stop. They continued to call. On the XXXX of XXXX I received two calls within 4 Hours. I have told them to stop and they continue. I have also sent them a cease and desist letter. In the past they have called my neighbor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I was party to a foreclosure action in 2007 bearing XXXX County Clerks Index Number XXXX. The action to foreclose the mortgage was on behalf of XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, Series XXXX, without recourse,. 

The plaintiff obtained a Judgment of Foreclosure & Sale on our property when no debt was owed. The defendants negotiated a settlement with the plaintiff and the resulting decision of the Court thereby Vacated The Judgment Of Foreclosure & Sale due to the fact that " the defendant paid off his mortgage and all costs associated with the action and granted by the court ''., as indicated in the attached affidavit of plaintiffs counsel. 

Now many years later after the time to appeal is 8 years past Ocwen Loan Servicing is sending threatening notices regarding the same mortgage and same debt associated with the XXXX action attempting to swindle the homeowners from their property.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: I opened up a credit card with terms that if I spent a certain amount I would get a bonus of XXXX miles. I did that and the credit card did not honor the bonus.

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 03-11-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Mortgage is whom we ( husband/wife ) have our loan with since XXXX. Many times over the years they have neglected & lied to us on important issues that cost us lots of money, but now, another issue has risen that was just brought to my attention in a mortgage statement we received on XXXX XXXX, XXXX, but after communication with someone from Chase, they realized that it was them " CHASE '' that made the mistake back in XXXX XXXX in which they neglected to apply our XXXXhusband/wife ) mortgage payment accordingly and therefore appeared there was no payment, then it lead to them FALSELY REPORTING US TO THE CREDIT BUREAU 'S AS LATE IN XXXX, BUT IT WAS REALLY THEIR FAULT. I was given a case number by the Chase representative is which I will give you later. They have fallen short of their duties or their word or their temporary contracts in past, so I want to have it on record of their mistake and how are they going to make sure they fix our credit report and our credit score from last XXXX XXXX to current, which has cost us more, due to we decided not to refinance our home for a over 3 % lower interest rate in which we had already been approved for by our local bank since our credit score would have been lowered by the mistake that CHASE MORTGAGE MADE. Since Chase did not apply our XXXX XXXX pymt accordingly, they told me on XXXX XXXX that all payments since last XXXX was made late, but it really was n't. it was their lack of responsibility of putting my payment where its suppose to be, now they also need to reimburse all late payment fee 's in which they also lied to me when I questioned why it was on my statement, they said its just where they list the fee 's and that I was n't being charged, but that was a lie, cause now I know thats the fee they been charging me. Its also why I did not know they did not apply the pymt correctly. They also neglected to issue us a new contract back in like XXXX & XXXX with all the Obama stuff, and we meet all the criteria and my husband had even found a job making more than what he was making when we purchased the home. They have cost us soooooooooo much heartache, tears, blood, mental anguish, frustration and now a 3rd time of not being able to refinance our home for a lower interest rate. If us the consumer is even ONE DAY LATE ON A MORTGAGE, WE PAY THE PRICE WITH A NEGATIVE CREDIT RATING FOR THE NEXT 7 YEARS, SO WHY DO N'T THE MORTGAGE COMPANIES HAVE TO MAKE IT UP TO THE CONSUMERS? AND I DO N'T MEAN IN A CLASS ACTION LAWSUIT WHERE ONLY THE LAWYERS MAKE GOOD, ITS US THE CONSUMERS WHO LOOSE OUR MONEY WHEN MORTGAGE COMPANIES XXXX US, THEY SHOULD HAVE TO PAY US THE LOSE, AND I DO N'T MEAN WITH A {$9.00} CONSULATION PRIZE CHECK WHILE THE ATTORNEY 'S MAKE MILLIONS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/15 I requested Portfolio validate an account appearing on my credit report. They have yet to respond to the request.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (FHA mortgage) with Selene Finance LP (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I was working with a law firm for a modification on my home. This started XX/XX/2015.my trial period was XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which the payments were made. I was supposed to receive my finalized paperwork which I have not received. XX/XX/XXXX I noticed my mortgage statements were showing in arrears of {$10000.00}. I contacted the law firm and they submitted everything that was needed and this was finalized, so we thought.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is with BSI Financial. They claim I am behind XXXX payment on my mortgage. However, they refuse to take my calls. My so called " agent '' handling my affairs is either quitting, unavailable, or on the other line. I have had XXXX agents assigned to me since XXXX 2015 ; The XXXX was XXXX, who never would return a call. XXXX was XXXX XXXX, who cold called me XXXX to collect but would never again be heard from. Now, I have been assigned to a XXXX XXXX, who is following suit. XXXX have quit, so they claim, the XXXX will not return my calls or give me written proof of their claim against me. 

Also, there is a middle manager, XXXX XXXX, who I spoke with some XXXX ago. She said I have not fallen behind and that the clerical error was in fact BSI fault. She also told me over the phone that she would wave all fees associated and that I was in good standing. Unfortunately she did no such thing. The fees and everything persist. 

I called this week and a XXXX answered the phone. He claims that he has never even seen XXXX, that she does not take calls from customers, he even told me that she has no phone extension. He was very defensive and rushed me off the phone. 

Yesterday ( XXXX XXXX ), I left a message for XXXX @ XXXX and heard nothing. So I called XXXX and spoke with XXXX XXXX and she contacted BSI. At XXXX ( BSI closes @ XXXX ), XXXX calls but I am unable to answer, not to mention I did n't expect a return call at closing. I immediately called back, but she does n't respond. Called her again XXXX XXXX at XXXX ... nothing. 

I have begged for months for these people to simply give me, in writing, a legible printout of where I have missed a payment. I have begged for someone to contact me and simply discuss the matter. XXXX minutes would do. 

There are easily found sites where people have made similar complaints. BSI Financial is running a scam. They are simply scamming people out of thousands of dollars using intimidation and threatening to ruin credit, harassing phone calls, etc. 

http : //www.consumeraffairs.com/finance/bsi_financial_services.htmlhttp : XXXX : 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 08/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being charged for a bill for XXXX that I did not have on the date it is said never had XXXX during that time or address I was living at.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Shopping for a loan or lease

Complaint: i received an e-mail alert telling me that a capitol one auto pulled a hard inquiry and pulled my report and used my social security # without my knowledge and did not speak with me prior to this about this loan, i called capitol one they said they did not pull my report, i then called XXXX they said capitol pulled my repot and my social security # and XXXX told me that some of the information did not match what i have on file, i then called capitol ione back they said they will forward my information, they hourt me in many ways i very upset when talkin with capitol one im ver stressed out at this time i want a law suit filed im getting tired of co. trying to ruin my credit when im trying my best to get it in order and looking good i did not ask or ok to do this i never talked with anyone for this loan

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: keeps reaging this account

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep receiving calls from Portfolio Recovery in an attempt to collect a debt for XXXX XXXX that I was told I no longer have an obligation to pay since the debt was from 2004. I asked them to please stop calling and I have also registered with the Do Not Call List. Now they are harassing me at my job initially they were calling my home phone now they are calling my cell phone and job phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

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 09/28/2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Balance transfer

Complaint: Been a victim of deceptive advertising practices. 5/3 Bank stated a O % apr for the first 15 months including balance transfers. Was stated over the phone that balance transfers would take place within 5-7 business days. It has gone past the days stated by verbal communication via telephone. 

It has gone well past the 7 days, and when I called in to verify, the operator stated it takes 4-6 weeks. Both conflicting stories. Many operators carrying heavy accents from foreign countries unable to properly communicate legal financial information should not be allowed dealing with vital personal information. Misinformation or improper annunciations of words can be detrimental to many contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX we took a Home Equity Line of Credit out on a property. There are XXXX people on the loan. We did n't realize at the time we signed a home equity loan with interest only for the first 10 years and principal and interest the remaining 10 years. Then in XXXX of XXXX we were slammed with a new payment of {$2600.00} from interest only of XXXX. We were never notified ahead of time our payment was changing due to this issue. We fell behind and immediately requested a modification from our lender. We were sent the package and completed it and returned it. We were approved in writing for the modification on XXXX XXXX, XXXX. Verbally we were told to make XXXX trial payments of {$1600.00} for three months. We agreed and made our first payment on XXXX XXXX, XXXX. On XXXX XXXX we received a letter from our lender that they were unable to offer assistance. This letter was dated XXXX XXXX, XXXX, XXXX day after we made our first trial payment. The reason for denial was Unacceptable Collateral. Who does that? This is wrong on so many levels. I also believe only XXXX couple was included in qualification for the modification. PNC does not seem to handle more than XXXX people on the loan with their computer system. So I know the XXXX couple 's income and ratios were not even included in the decision. At this point we were 5 months behind and left with no options. We did make up the deficit and are now current but I need PNC to answer for what they did and was the XXXX couple involved in the decision making.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My name and my father have the same name and our social security numbers are off by XXXX digit. My father had an account with XXXX that went to collections. I currently have a XXXX account that is in good standing and always has a credit going into the next month. I disputed the debt to have it removed from my credit reports. XXXX ( after removing from credit reports ) sold the debt to Resurgent and they are going to report it. When XXXX sold the account they did n't sell the entire record showing the disputes from me. I called Resurgent to see what I needed to do, they asked for my name and social security number, I provided both, they said " ok, we will associate this name and social security number with this account now. '' I have no idea what to do or how to make this stop. Resurgent told me they could just keep selling the debt and they do not have to provide full records so we could keep having this issue in the future. They also told us our only option was to file a police report for identity theft. We called XXXX - XXXX does n't have this past due account associated with my social security number in any way. XXXX says when they sold the account to XXXX they used the social security number for my father. So he did n't steal my identity XXXX and Resurgence just used my information.

Company response to consumer: Closed with explanation