milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I asked for initial application showing where i signed for this debt non produced.The debt collector stated the name as XXXX.My name is XXXX.Im currently XXXX i didnt open this account i think the info is mixed up.Please delete off my report.Im currently qorking with debt doctors and filing bankruptcy.I have no success to get off my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Debt collection (Federal student loan) with ECMC Group, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted the loan servicer of my {$680.00} XXXX loan to inquire about the option to rehabilitate my loan. i was advised I do not qualify for loan rehabilitation due to the dollar amount of the loan.. I then inquired about setting up a payment arrangement and was advised I do not qualify for a payment arrangement due to the dollar amount of the loan. I then confirmed with the rep that my only option was to pay the balance in full she responded that no that is not what she said my options were to pay in full or make payments online as I wish but that it would not be considered a payment arrangement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. ().
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: There is a considerable discrepancy - {$2000.00} to {$4000.00} - between what Navient [ the company that is now managing the loan ( but not the original loan provider ) claims I owe and what I actually owe ; I owe $ XXXX to XXXX less than they claim. Despite my repeated requests, Navient has failed to trace the source of their error, because they have only partial records of the loan history. Despite my repeated attempts, they have failed to produce the complete documentation of my loan history, nor do they have the original loan documents. Their is no record of the first repayments I made, and other payments, that are recorded, went towards repaying a lower-interest incuring loan, when a loan that was incurring higher interest had n't been completely paid off. In short, my loan has been mismanaged, either by Navient, or the company that was manahing the loan before Navient ; and they seem to have a very partial record of the loan history. I believe my outstanding student loan debt should be erased.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: on XXXX XXXX 2014 i, XXXX XXXX had my purse stolen out of my vehicle and have police incident report.i then called all my banks and credit cards to cancel.Bank of XXXX is the only bank not allowing me to close my account till this day cuz of not XXXX balanced..in XXXX i spoke to XXXX XXXX and arranged financial difficulty payments and already paid XXXX payments and still not closing my account and my numbers keep going up instead of down..XXXX owed on my checking and i didnt agree on that but arranged payments anyway ... XXXX on my credit card account totaling XXXX..still charging me fees and late payments wen its stolen nobody knew about arrangements..then got a hold of a lawyer and no respond to our letter, ,i just want my account closed and i only owe XXXX to the checking if that XXXX on my credit card minus the charges.lawyer was XXXX XXXX FILE # XXXX. to show that i followed thru and they have not and its fraud,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2011 I rented an apartment where I paid the rent for the year in full up front which I 've finished the receipts to show proof of this to Fidelity Information via certified mail. I also found that the property management company whom Fidelity Information bought the debt from which is XXXX XXXX did in fact file an eviction after I lived out my lease and moved out. The eviction process was after I moved out of the unit. XXXX XXXX dismissed there calm it was a voluntary dismissal on there behalf. Also please note that I was not notified of this eviction and I had no clue until just recently when I went to apply for a rental and was denied. I was told that I owed Fidelity Information monies regarding the rental with XXXX XXXX. Attached is the documents pertaining to this issue for your review. I also sent these documents to this company Fidelity Information to dispute there calm and asked that they send me documentation supporting there calms. I went to the court house and got a certified copy of the voluntary dismissal and there was no evidence showing that I had a amount owed. This company continues to report negative information to the credit bureaus stating that I owe them money which I do not. Please if someone can look into this matter I would appreciate it. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Media Collections, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My children did not attend this program for the XX/XX/XXXX-XX/XX/XXXX year, I have told the company this several times but they continue to try to collect an enrollment fee and an fee for the school year. I even called them and told them before school started that my children will not be attending.

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 09-12-2017 about Mortgage (FHA mortgage) with U.S. BANCORP (OR).
Issue: Struggling to pay mortgage

Complaint: Loss mitigation paperwork filled out any sent in, denied because lack of earned income. So, then I was able to fill out another one because I got income. I turned it it, with 7 days of foreclosure like the new letter stated. When they received it, they said I only had business days and real time. They discriminated me, I filed a complaint, they denied it but postponed foreclosure. So I was able to fill out loss mitigation paper work again on XXXX/XXXX/XXXX due by XXXX/XXXX/XXXX as stated in the letter. I filled it out and had it sent in by XXXX/XXXX/XXXX but they did n't receive it until XXXX/XXXX/XXXX ; but they did n't accept it because they stated that there was a different due date then what the letter stated. The problem is on XXXX/XXXX/XXXX they denied me my rights to loss mitigation, they are n't following the laws of SS 1024.41 ( h ) ( 2 ) deadlines. They are not honoring the letter and now there is only 3 days until foreclosure. 

They have been evading my application all year. And as soon as they found out I had a XXXX they acted like I already lost it and would n't accept my application. This is for US Bank, XXXX. 

They never sent me a denial letter and I read that they should n't be able to continue the foreclosure process until I do receive it. I have heard nothing. I am a single parent doing everything they requested and still they denied me what the letter said was available to me. I followed the guidelines, I still have the letter with the deadline of XXXX/XXXX/XXXX. They changed their rules and did n't tell 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 12-12-2016 about Debt collection (Payday loan) with IJLfinancial, Inc. (ID).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they called me every day before payment was due, now that it is past due they are calling 10 times a day.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Account Control Technology, Inc. (WY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX University is charging me {$3000.00} after I withdrew from their program, never completed even XXXX course credit. I was told that I could easily withdraw from the program if it did not meet my needs without owing anything. I am paying on Student Loans that were dispersed to them to pay for the couple of months I was enrolled even though I was not participating and still they are wanting to collect this astronomical amount beyond what has already been paid.

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 11/21/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage was bought out by Ocwen in XXXX it has been nothing but trouble, from over drafting our account by taken out XXXX bi weekly payments within 7 days to us receiving XXXX XXXXXXXXXXXX each for returned checks and payments from credit cards, vehicle payments as well as utilities. When I lost my job in XXXX we wanted to apply for a loan modification which of course they recommended as well as visiting XXXX of their credit counselors which we did. Our rate was XXXX at the time and morg was XXXX at time, now almost 4 years later at XXXX XXXX for our morg. and that in a loan mod. Not only did our rate stay same our morg went up about XXXX. We STILL owe 30 years on our home that we purchased in XXXX Hmmm you do that math. Now they are stating that im XXXX behind in morg and they are requesting that money by XXXX XXXX XXXX or they will foreclose on our home. I have documents and bank statements showing all payments made since our loan mod.. I have contacted a XXXX Team which our helping us get a true loan mod at correct rate XXXX ( well i hope ) which is costing me XXXX. There is no way at this point that we can get away from Ocwen due to them reporting to credit companies. Im at a lost with this company. They will get you out of home pay a hefty fine back to you, but then turn around sell your home and do the same to next owners ( or should i say renters ) I wish there was something we could do to keep our home that we worked so hard to get. They tacked so many fees on end of our morg Im not even sure if that is legal?

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Debt collection (Auto debt) with WELLS FARGO & COMPANY (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Since XXXX I have gotten harassing letters and phone calls from Wells Fargo bank about a loan taken out by a woman named XXXX XXXX, it is a car loan. I have contacted the bank at least a dozen times over the past 4 years, and every time I was told it was the last. In XXXX I was called again, since I am on the do not call registry Wells Fargo was forced to pay me {$1500.00}. You would have thought that this would have made them learn their lesson, well you would be wrong. Last night on XX/XX/XXXX a process server came to the apartment building I live in saying he had papers to serve to XXXX XXXX. When I told him I did n't know her and would not take the papers to give to her he became abusive and called me a XXXX XXXX. He said the papers where about an auto loan and I had better pay the loan or I would get in trouble. This is the last straw, I demand that someone at Wells Fargo be arrested and that they pay me at least {$5000.00} for their crimes and harassment, I suggest that XXXX XXXX XXXX, their research and remediation manager be arrested as he is the last person I dealt with and was the one who paid me the {$1500.00}, he also said this would be the last I would hear from Wells Fargo and LIED ...

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 10/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with Midwest Recovery Systems (OH).
Issue: Problem with the payoff process at the end of the loan

Complaint: This debt was previously disputed on XXXX/XXXX/XXXX and has not been validated by company. It is showing as a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Other debt) with Bonneville Billing and Collections (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  X/XX/17    I submitted a complaint CFPB #  XXXX  in which I disputed the validity of the debt with the original creditor  XXXX   XXXX .  XXXX   XXXX  failed to respond within 30 days and per federal regulations all attempts to collect on this debt must cease and desist. The item associated with this debt I do not owe is showing on my  XXXX  and  XXXX  credit reports. Please immediately delete this item related to  XXXX   XXXX  from my credit repo rt ( s ). T hank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Navient took over my student loan in early  XXXX  ( late   XXXX   ). When they called, they asked that I make a payment at that time. I explained that I was making payments for my school, my daughter 's, and paying on my husband 's tuition. I was granted a deferment for a period of several months.
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During the process, I kept the representative on the phone for over an hour, asking many questions and verifying that I would not be taken advantage of by this company again. I was even told that the conversation was recorded. I had previously had a bad experience with Navient 's partner and predecessor,   XXXX   XXXX  , who stole several thousand dollars from me, doubled my debt, and sold my account after I proved the theft by providing 20 consecutive checks ( they only asked for 10, but I had several more ).
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Well before the deferment was up, Navient again contacted me asking for money. When I asked about the deferment, I was told that I only had a 10 day forbearance. I spoke to " managers '' and other departments who stated that they ONLY give 10 day forbearances. When I argued that they were lying to me and demanded that they play back the recording, I was placed on hold for over half an hour, only for a " manager '' to return and state that they decided NOT to listen to the recording and that I just needed to pay the extensive late fees. I KNOW they played back the recording and are refusing to admit guilt. At the time fees were over {$200.00}, now they are over {$400.00}. Since then, I have spoken with dozens of managers and contacted the Ombudsman, my congressman, and my governor 's office. All of which have contacted Navient. Navient 's only response has been that they will defer the payments, but they still want the now nearly {$500.00} in late fees. I have not paid them anything because of the late fees and have stated many times on the record that I will pay once they remove the erroneous fees that they charged me. They are clearly refusing to correct the problem by running up the debt with fees, so they can say that I never paid, but paying an erroneous debt is an admission of guilt and will allow them to legally keep the overpayment. This feels like another attempt by the same company to steal money from me. They DELIBERATELY deceived me into believing that I had a deferment, only to charge late fees on the account and are now refusing to correct the issue again.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of XXXX Carrington mortgage lost a postal money order that was sent with another money order along with payment coupon in the same envelope. When I contacted them after checking my account information online they said I had only sent a partial payment and put my next payment into a suspense fund. An employee told me when I called that they would research this and get back to me. That did not happen, when I called again later that week I was told it would take 30 days to research this and that they would let me know what the findings were. I was told not to make a payment until this was resolved. I have been told week after week that they were still researching the missing payment. This could have easily been resolved if they would have just said they lost or misplaced the payment as I could have easily gotten a refund from the United States Postal Service and resent the money order. From XXXX till now I have still not received any resolution. This has been going on for over 90 days, this company has ruined my credit in the mean time. I called and asked what I could do to get this resolved and I was finally sent a payment coupon for the amount of {$7100.00} to bring my account up to date. The payment coupon was for XX/XX/XXXX.This was the first correspondence that I have received from this company in months. The day I received this I also received foreclosure papers from the Sheriffs Department. When I called to find out for sure how much would bring my account up to date I was told {$7100.00}. Today I was checking my account online only to find out that they have taken money that they put in a suspense fund and now they say that I owe another payment. I was told all fees would be in that {$7100.00} and my payment would be up to date until XXXX XXXX. Now I was told that is not the case. This company seems to make up its own rules as it goes along. A representative named XXXX asked me to fax all the information that I had, I documented phone calls copies of the money orders and the people I have spoken to, I faxed this information to her XXXX/XXXX/XXXX. All of this information has been faxed to this company 4 previous times. I have lived in this home since XXXX XXXX, XXXX. I would not have done anything to have put my home in jeopardy. I have not had any problems with any of the mortgage lenders I have had before it was sold to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: We initiated a short sale file with OCWEN on XXXX/XXXX/15. We submitted a contract to them on XXXX/XXXX/15 requesting the file be reviewed for HAFA, the lender has been reviewing for HAFA since XXXX. We received a counter from them last week stating the value is {$180000.00}, which our offer was at and they said the closing costs needed to be lowered to {$5000.00}. We made this change and submitted the HUD in with the changes. Then today we get a call stating the investor is not approving the offer, even though we are at full appraised value, because we are netting $ XXXX and he wants to net $ XXXX. I responded and stated we would net over that if it was n't for the XXXX lien payout of $ XXXX and the $ XXXX relocation incentive to the seller. Ocwen told us our only option then is to do a traditional short sale. This just seem right if the file qualifies for HAFA and is giving a full appraised value offer but is not meeting a certain net number the bank can make the seller do a non HAFA short sale and receive no relocation incentive. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I 've been applying and submitting some documents to Bank of America loan modification department since XX/XX/XXXX. They have been losing my documents and/or just giving me a run around. It 's a XXXX loan Heloc with balloon payment program. They have been assuring me that they 're working on getting me a loan modification while at the same time, they are also working on foreclosing us since they have filed a notice of default in XX/XX/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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation taking more than 30 days on a dispute items i sent to XXXX and equifax cra violations of my rights inaccurate information must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: Because of the XXXX data breach I tried to freeze my credit with Transunion ( and the other credit bureaus as well ). I was able to find the link to complete the credit freeze process online several days ago but now Transunion appears to have hidden the ability to do this online. Now I am only able to find their pay credit monitoring service. This is not the same as freezing credit and I do not want their credit monitoring service, I want to freeze my credit. I called their 800 line but get disconnected when trying to complete the credit freeze process. 
I can only presume that Transunion is doing this on purpose in an effort to get people to purchase their credit monitoring service - something that is not at all equivalent to freezing credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America has XXXX the ability to make principal only payments on their website. The only way to pay extra principal payments is to make a future loan payment, and then pay extra on top of that.

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