milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with FCI Lender Services Inc. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Hello CFPB, I would like to bring to your attention an injustice matter that I have encountered concerning my home of 33 years with different mortgage companies. I 'd worked for XXXX in XXXX, XXXX for approximately 15 years. Due to an on the job injury, I began having problems with my legs and was placed on light duty for a number of years before I was forced to quit, in XXXX XXXX, due to unable to completely perform the job task, per new management. During the next couple of months I received unemployment, but really struggled to pay my bills and got extremely behind. Fortunately, I was approved for XXXX and Social Security and began to receive fixed monthly payments in the total of {$1000.00}. This has been my only source of income since XXXX XXXX. 
I was paying mortgage on my home with mortgage company, XXXX XXXX XXXX XXXX, loan # XXXX and my payments were {$250.00} per month. Then, a new mortgage company by the name of FCI Lenders Services Inc. took over my payments. They claimed that they could n't find any of my payments to the previous company and that I had n't made payments from XXXX to XXXX. I explained to them that were absurd and there 's no way I would still be in my home if that accusation was true. Finally, after several complaints from me and extensive research, they found my payments, but refused to give me credit for them and wanted me to now pay {$650.00} per month. I sent in a letter of request for them to lower my payments, but they denied the request. FCI Lenders Services Inc. gave me a forbearance agreement to pay {$650.00} per month from XXXX XXXX to XXXX XXXX. I was unable to keep the agreement due to being XXXX for XXXX, XXXX XXXX XXXX, and XXXX problems for about a week. I had to pay for my medication and see different specialist 3 times a week upon being discharged from the hospital. Since then, my loan has been turned over to a new company by the name XXXX XXXX XXXX, my file loan number is XXXX. On XXXX XXXX, XXXX, they are planning to foreclose on my home of 33 years. They told me in order to keep it I will have to pay {$120000.00} due to back pay. The home is only worth {$13000.00} and the homes in the area are valued from {$30000.00} to {$40000.00}. Please investigate this matter so I wo n't lose my home. Any help of this matter will be greatly appreciated. I 've listed the addresses and phone numbers of the mortgage companies listed above. Thanks! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ext. XXXX XXXX XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX fax

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: I placed  a 90-day ale rt on all  XXXX  credit bureaus in  XXXX .     While on signing up for the TransUnion alert, Transunion 's online site asked if I wanted to " lock '' my account. I clicked this feature.     This week, my bank attempted to pull a credit report for completing a credit card application. However, TransUnion is showing an account " freeze ''. When I called TransUnion freeze  XXXX  phone number, they said that I only ha  ve a 90-day alert ( no " freeze '' ) but the online " lock '' will show up as a freeze to others. They directed me to another phone number. Then I was walked through the " unlock '' via online and told to wait 15 minutes.
After 20 minutes, my bank was still unable to access my credit report and TransUnion was requiring a PIN. I called TransUnion again and was transferred or told to call 4 different people, bouncing me between the online TU dept and the Fraud Assistance Dept.
Online TU dept is saying the lock is showing as off and sending me to the Fraud Assistance Dept. The Fraud Assistance Dept insists that any issues from using online lock feature must be solved by the Online TU dept. I 've b  een trying to solve this issue for o ver 2 hour s and bounced between various phone numbers ...  XXXX ,  XXXX ,  XXXX ,  XXXX  ( sent this direction 2 times ), and  XXXX  ... and attempted to talk to a supervisor at th  e Fraud Assistance Dept ( who said he could n't help either because there is no " freeze '' on my account ).
Worst system that I 've ever seen. Worse yet since I have to depend on these credit bureaus to fight off an identity thief attempting to open loans and credit in my name. Curious if I 'd have all these issues if I was willing to pay TransUnion for their service ... sure seems like a play to force victims of id theft to pay TransUnion to avoid staying a victim ( even one to Tra  nsUnion treatment )!

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 05-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection under a person with similar but different name was requested under my name. I have received the original invoice from the collection company ( Enhanced Recovery Company , LLC ) to confirm that this collection is forwarded to the wrong person. I have requested to dispute the collection company as well as XXXX on early XXXX 2015, however, no action is taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In the first week of XX/XX/XXXX sent a certified letter to XXXX XXXX requesting verification and validation on debt and ownership with my signature. The company did n't provide any proof and did n't add a dispute remark on credit bureau until 60 days later and put it on 2 bureaus, XXXX had no dispute marks on it. I resent a letter received by XXXX XXXX on XX/XX/XXXX. I again waited for validation and verification and received neither, also XXXX XXXX still violated FCRA by not marking my report as disputed. 

XXXX has not provided any validation or verification that has been requested for over 5 months prior. 
Please help me get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I called Navient about re-certifying my student loan, but I was redirected to a company that offered to consolidate my loans for a fee. They wanted pictures of my I.D . and credit cards. Their website is nothing but a XXXX blog. 
XXXX XXXX XXXX I did n't pay them anything, but I am appalled that Navient would let me be automatically redirected to such an obvious scam.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed for bankruptcy in XX/XX/XXXX, almost every account ( except one ) on my credit report put account status closed, XXXX balance, included in bankruptcy. The collection company was included in the bankruptcy and shows account included in bankruptcy, but shows on my report as account OPEN and the Balance of XXXX ... the collection company has been called in XX/XX/XXXX and XX/XX/XXXX. I also contacted Transunion in XX/XX/XXXX and XX/XX/XXXX of this year through calls placed through the XXXX number and disputed through XXXX XXXX and Transunion but nothing has been done to change the status to Account closed and Account type Collection and Date closed : to a XX/XX/XXXX date which should be XX/XX/XXXX or XX/XX/XXXX. All my disputes were denied and here I must mention I also disputed in XX/XX/XXXX ... As I have done what I could. I pray you can help. 


Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I keep receiving call s from Pioneer Credit Agency  for a debt owed by a  XXXX   XXXX . I have instructed them to remove my cell phone number on numerous occasions and they continue to robo call me. The last representative I spoke to is  XXXX   XXXX  who stated that unless I give her my personal information the calls would not stop. I gave her the reference number that was left on my cell voice mail but that did not satiate her desire for more personal indentifying information from me -- which I of course refused to provide.

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 09/14/2015 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: APR or interest rate

Complaint: On XXXX/XXXX/15 I signed-up for a Wyndham Rewards Barclay VISA Card as part of a Wyndham time-share program I purchased. The Barclay VISA card was used for the down payment. The terms of the Barclay agreement I received on XXXX/XXXX/15 stated that the balance transfer terms were 0 % APR for balance cfers made within 45 days of opening the account. When I received the credit card in the mail about 2 weeks later, the balance transfer terms were stated to be 0 % APR for xfers made 0 days after opening the account. This is an error I would like to get fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Consumer Loan (Installment loan) with Home Loan Center, Inc. (CA).
Issue: Managing the loan or lease

Complaint: I responded to an online ad from Lending tree who advertised a debt consolidation loan, low rate, get money as soon as possible. I took out the loan in XX/XX/2015 ( see attachment ). Now almost two years later, I have only paid a little under {$7000.00} ( see statement showing the interest rate and the amount going towards interest with approximately 38 months left to pay. With all of the past issues with the mortgage loans, how on earth can a company be allowed to bait and switch consumers into these type of loans. is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Please refer your attention to complaint number XXXX, This Complaint was filed on or about XX/XX/XXXX, and involved the manner in which the bank had computed overcharges on a checking account. It was apparently forwarded to Regions National Bank on XX/XX/XXXX. 

At the close of business that day, Friday, XX/XX/XXXX, the balance in my account should have been {$11.00}, However the last charge against the account that day was a charge of {$180.00}, apparently for four non sufficient fund charges at {$36.00} each made over the weekend of XX/XX/XXXX and XX/XX/XXXX and the charge for the overdraft which resulted from the application of the overdraft charge itself. 

The charges for the four overdrafts over the weekend were not processed until Monday, XX/XX/XXXX, On that same day, the account was charged another {$140.00}, apparently for the four.overdrafts which were processed on XX/XX/XXXX. Accordingly, from Friday, XX/XX/XXXX until Monday, XX/XX/XXXX, the account was charged a total of nine ( 9 ) overdraft charges at {$36.00} each, when only four overdrafts had occurred over that weekend, not including the overdraft which had occurred as the result of the application of the overdraft charges on XX/XX/XXXX. 

I would like to point out that in no other instance to my knowledge had the ban charged for an overdraft to the account which was the result of the application of the overdraft charge itself. But it is clear that this was the case on XX/XX/XXXX., These charges were made by the bank within a week after the original complaint filed in this case had been forwarded to the bank by your office. It is my belief that these charges were made in retaliation for my having filed this complaint. 

For this reason, I have not discussed this matter with the bank prior to providing you with this addendum. I plan on visiting the branch office of the bank on Monday to discuss this with the manager, but the last time I went to the bank to discuss this matter I was threatened with arrest. Please understand I need this account I just wanted to be treated fairly. It is the only means I have to collect my very modest pension and social security benefits. 
. 

.

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 monetary relief
Consumer complaint received 08-10-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Unknown collections listed requested validation and nothing received. Please help CCS Collection # XXXX CCS Collection # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Medical) with Capital Accounts, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I had a XXXX and went to XXXX. They had created fraudulent charges to my Insurance company and when the insurance did n't pay them they came after me. I gave them an opportunity to correct the billing and they failed to do so. I have reported them to XXXX different agencies. On XXXX XXXX, 2015, I faxed a letter to Capitol Accounts ( the collection agency my account got sent to XXXX. I then followed up with a phone call on XXXX, XXXX, 2015 with XXXX XXXX. I acknowledged they received the letter and was very rude and said he was going to report tyhis debt to credit agencies and it would effect my credit unless I paid that day. I told him it was under dispute and he insisted he was sending to the reporting agencies. Today, XXXX XXXX, 2015, he called on my cell phone. I immediately advised him that was not supposed to be calling me per my letter. He violated the Fair Debt Collection Practices Act. I would like XXXX XXXX along with his company to be cited and repremanded.

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 Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Cach LLC apparently had a judgement from XXXX I did n't know about nor was I contacted about. They just now in XXXX submitted a request for wage garnishment, which gives them four years of interest on the principle amount. I had a bad divorce where my ex husband used a large number of cards and things in my name before we split. I have been in constant dispute with these things trying to get them removed from my credit report. This debt they 're supposedly claiming does n't appear on my report. The only judgement on my report is from XXXX for a lease I was aware of owing. I have already been garnished for this amount as of XXXX and completed payment on it. Upon looking at the paperwork, the previous garnisher was apparently also Cach LLC. I have been unable to get in contact with them to have them verify who/who debt they 're pursuing or collecting now. Garnishment is set to begin right away, and I ca n't even argue anything because I was never served anything in person, I also moved a lot in XXXX after my divorce.

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 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 03/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account from CBE GROUP # XXXX. I had previously disputed this account this account. I have never done business with CBE GROUP INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of th debt CBE GROUP INC purport I owe. I request that CBE GROUP INC Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE GROUP lNC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XXXX, XXXX XXXX to my surprise I received a letter that stated that I had been served with a Continuing Writ of Garnishment and that they would be required to withhold a certain amount starting on XXXX XXXX, XXXX. In the court document, it states that an amount of XXXX remains unpaid to XXXX XXXX XXXX. I have no idea of what this is all about. 

I reached out to a paralegal and they told me to file for a hearing in front of a judge. I was also told to contact you and file a complaint. Then the paralegal told me to file for a hearing in front of a judge to stop the garnishment. 

I am the the head of household with a son and can not afford to have my check garnished for any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit card () with BMO HARRIS BANK NATIONAL ASSOCIATION (FL).
Issue: Closing/Cancelling account

Complaint: I had a company credit issued to me and the company closed the credit card in XXXX 2014, however the credit card continued to charge me a fee for a service from another company that I had already closed, without informing me of this going on. The card had been closed and expired and the credit card still let the charges accumulate. They also went to an electronic notification and I was never notified of any of this until I received a collections letter over a year later about charges and they were sending me to collections. The credit card let a company charge a closed account for over a year and never informed me of this, and the company charging against the credit card has not provided any service to me since XXXX of 2014, when I closed the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XXXX I obtained XXXX student loans ( private ) from XXXX and XXXX. The servicer at the time was XXXX which later became Navient. It was at this time that our daughter developed a XXXX XXXX. The medical bills began to soar out of control. At the poor advise of our attorney we surrendered our home and filed a chap XXXX bankruptcy that would include all of our student loans. Incuding our student loans meant that they would be paid while the chap XXXX ran it s course. We filed and the program required us to pay 57 % of all our unsecured debt which was our student loans. After approx 4 1/2 years we completed the chap XXXX. When we reviewed the court trustees documents, we found that we had paid approx {$16000.00} to Navient on a {$21000.00} loan. When we completed the program we needed to know where we stood with our loans so we could calculate our repayments options. We contacted Navient and requested an audit which they did not due. They instead dictated their terms of repayment to us. It was this time we discovered that according to Navient we owed {$21000.00} not the {$6000.00} we thought. When we threatened to contact our attorney they completed an audit. The results stated that we actually owed {$17000.00} not {$21000.00}. We kept asking why is this amount and why was n't the {$16000.00} we paid deducted. navient told us that it had been deducted, but due to Capitalization, Post Petition Interest, and the & year rule that the outcome. 

I calculated the repayment that Navient stated we should pay. The monthly is approx {$110.00} for 10 years prior to our Chap XXXX, and thats what it is for the next 5 years. At this rate we could NEVER repay this loan, NEVER! It is inconceivable that a company that uses the US Government as leverage against normal citizens, ( veterans, Which I am ) to line their pockets. We paid {$16000.00} on a {$21000.00} loan Thats 76 % of that loan, and they say its not enough. I understand that Navient is being sued by XXXX states attorney generals, and the Dept of Education 's OIG for deceptive practices, and misdirection of repayment that would benefit them. I need some real help with these guys.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I saw on my transunion credit report that there is an account in collections that does not belong to me ( fraud ). I called the collection agency that is listed on X/XX/17 and they were unable to find any account tied to my name and social security number. However, they refuse to remove the account from my report. I also disputed the claim on X/XX/17 with transunion. They did not remove the fraudulent account from my 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