milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/23/2015 about Debt collection (Credit card) with Universal Recovery Corporation (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Called employer and told them they are a debt collection service

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I lost my money in Debit card And I dont know how I have to getting back to my Debit card 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 monetary relief
Consumer complaint received 02/14/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company by the name of Midland Credit Management , Inc., of XXXX XXXX, wrote me about two months ago saying that an unpaid balance of {$230.00} on a XXXX BankXXXX account was sold to them on XXXX. I wrote them back that I had never had an account with XXXX and had never received any requests for payment from a XXXX Bank. I stated that apparently my name had been either maliciously or accidentally attached to this account, and I had no intent of paying for something I had never bought. After another letter or XXXX, the latest from XXXX XXXX, their Division Manager, is now saying " we will no longer be contacting you regarding this account by phone or mail unless it is to further respond to this dispute by you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I, XXXX XXXX hereby files a complaint against a mortgage servicer known as AmeriHome Mortgage. As a mother of a XXXX XXXX XXXX, I recently had to make some changes in my life to attend to his needs, which incorporated taking a new position with a XXXX XXXX XXXX. So, during this time frame, I fell back on some mortgage payments. I can now afford to make mortgage payments, and the servicer representative were trying to force me into making double mortgage payments every month, which is simply not reasonable. I have no problem with the great interest rate on my mortgage, which is at 3.75 %. My normal payment is approximately {$2500.00} monthly. AmeriHome demanded a payment of close to {$5000.00} monthly, and that is abusive and not applicable to my overall financial situation. 

A mortgage collection is considered by recent federal cases before the U. S. Supreme Court as a debt collection, and therefore come under the jurisdiction of the Fair Debt Collection Practices Act ( FDCPA ). The amended FDCPA of XXXX XXXX, 2010 has directed that while a mortgage is in a modification process, that all foreclosure actions cease. 

Even though I have arrears in my mortgage, I will now make payments of {$3000.00} to {$3500.00} monthly, and I request a modification package to be emailed directly to me or sent to the law firm I have on this matter. The first thing I want accomplished with this complaint of abusive collection practices is a cease and desist of calls from the collection division of AmeriHome Mortgage, and a case worker assigned to me on a modification process. I will submit all paperwork to complete the modification process as quickly as possible. I am requesting that all arrears be place on the back end of my mortgage with a monthly reason able payment plan that will bring the account to a positive position in the shortest time frame. The matter must be resolved in a modification process. 

My home also has substantial equity and there is a good chance that PMI can be removed from my mortgage. This will make my home mortgage even more affordable. Accordingly, I request this to be part of my modification process.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I continue to be harassed by XXXX XXXX. They are still attempting to collect a debt ( shown as open collection on my report ) despite numerous disputes. At last they sold the account to XXXX, XXXX XXXX XXXX XXXX when they/I requested information to prove the collections was legitimate the recalled the account from XXXX, XXXX et al. instead of providing proof. The account was closed by XXXX XXXX XXXX, 2006 after I paid a court mandated judgment. Somehow XXXX had reopened the account and I paid on the so called debt further due to the harassment. I have contacted XXXX both in letter and by phone, notified all credit agencies and the " collection '' still shows active on my report. Please let me know how this can be removed once and for all ... .I do not owe this debt!?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I HAVE NEVER HAD LATE PAYMENTS ON THIS ACCOUNT ( XXXX ), I HAVE ATTACHED THE LETTER PROVIDED BY XXXX TO PROVE THAT THIS ACCOUNT HAS BEEN APPROVED TO BE POSITIVE IMPACT ON MY CREDIT REPORTS NOT NEGATIVE, THEY HAVE GIVEN PERMISSION TO HAVE THIS NEGATIVE REMOVED FROM MY CREDIT REPORTS. 
PLEASE HELP ME TO HAVE ALL THE BUREAUS REMOVE THIS NEGATIVE MARK. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX 2017 I sent written request to Equifax, XXXX, XXXX requesting physical verification of the original signed consumer contract accounts posted on my credit report. I requested that validated these for debts that were being reported. I have never received any physical copies.In the results of the first investigation they stated in writing that you verified that these items are being reported correctly with out any proof. I then sent a letter asking who verified these accounts. Which they were not able to provide any proof. On XXXX XXXX 2017 repeated the same process. I still have no physical verification.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am filing this dispute against XXXX due to the incorrect information that is being reported by XXXX and Equifax. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These 2 XXXX accounts have a {$0.00} balance and they were Transferred/Sold in XXXX/2016, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with XXXX and Equifax and I have received dispute results stating that XXXX  verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that XXXX send notice to EQUIFAX and XXXX  to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have American Express XXXX XXXX XXXX XXXX, the offer for my open the account is XXXX Points if I spend more than {$2000.00} in the first 3 months. 

And then I got an Email from American Express said " We recently noticed point accrual and redemption activity on your Membership Rewards program account that indicates an effort to obtain and use points in a manner that is not appropriate. " And from XXXX/XXXX/2017 to XXXX/XXXX/2017 I have {$1600.00} on the statement, {$110.00} on total balance now and {$2100.00} on pending. 

I used that card as usual and definitely will get the requirement of the open account offer soon, I do n't understand why American Express give me the rewards points before I meet the requirement and take the points back. 

I have tried to contact them to fix this problem, they told me the reason maybe is this I bought the fight ticket from XXXX and returned ( showed on my statement in attachment ), in fact, I have changed the travel plan and bought the ticket from " XXXX XXXX '' used the same card ( showed on screenshot of sending activities ). This is very usual consumer behavior for everyone!!! This is unfair treatment!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Forbearance / Workout plans

Complaint: While working on a loan modification with XXXX XXXX, XXXX XXXX advised me to settle credit cards owed to Capital One in order to receive a loan modification. My home was going into foreclosure and the other option was to file for bankruptcy. I made a payment plan on XXXX accounts and did not receive any notices from Capital One regarding they accepted my settlement agreement. I have also requested to have all complete account information, including the original account applications to be forwarded to me. I have been trying to accomplish this since XXXX already and can not get any answers from Captial One. I do n't know what is going on. Captial One never acknowleged receiving any payments from me, not one time has there been any correspondence of receiving any money on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: I submitted a Complete short sale package/Offer for {$28000.00} on XX/XX/2016. Ocwen/servicer for the note for XXXX of XXXX sent a denial on XX/XX/2016 that stated the offer was too low. I sent an Increased offer the same day XX/XX/2016 for {$290000.00} which is closer to the BPO amount of {$330000.00}. On XX/XX/2016 Ocwen sent another denial letter stating the offer was too low and to submit a higher offer. on XX/XX/2016 i submitted an offer of {$310000.00} and then again a full price offer of {$330000.00} the same day in case they denied the higher offer and yet again on XX/XX/2016 they denied the offer due to a confirmed sale date set for XX/XX/2016. I feel that Ocwen has been purposely been delaying this short sale approval as they have been servicing this loan for well over 5 years for the purpose of continuous servicing fees to the note holder. This is unfair and should be looked into and the home owner is in complete shock as to why they would continue with a sale while we are in final stages of negotiations. This truly makes no sense?

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient is refusing to place me in an income driven payment plan due to that fact that I have not submitted a XXXX for a secondary job I had earlier in the year. However, I submitted a signed affidavit stating how much money I made and per the Student Loan Income-Driven Repayment Plan application, that kind of information is accepted as income verification. I followed the instructions completely. However, as the documents attached show, they are saying I have not provided income verification. They are attempting to place me in the standard repayment option. 
Additionally, this past XX/XX/XXXX I informed Navient that I was re-entering school and asked them to NOT place my loans in deferment, however they placed my loans in deferment anyway, and informed me that I would not be even able to enter into a payment plan for XXXX months after leaving the deferment. So I can not make qualified payments for a payment plan for loan forgiveness until XX/XX/XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Recently, I discovered that Navient, who absorbed my loans from XXXX XXXX, has my monthly payment amount hidden away as a different amount than agreed to through XXXX XXXX in XXXX of last year. I agreed to pay {$610.00} per month, and they have the amount documented as {$640.00}. 

There are a few problems that I have with this:XXXX. I was under the impression that when my loans transferred to Navient they would stay the same, or I would be notified of any impending changes. 
XXXX. I was never notified of the change to a new payment amount. 
XXXX. I never received a new agreement letter from Navient. My cosigners did, however, it does not indicate what amount is due per month. In addition, the letters do not even accurately describe the loan amt between my mother, father and loan number, and sound as though my parents signed an agreement on a new loan. I never received a document stating I had taken new loans through Navient or anything of the like. 
XXXX. I did n't notice the difference previously through late fees or penalties, because I over pay every month. 
XXXX. XXXX XXXX REQUIRED that I sign up for automatic withdrawal for this " payment plan. '' That payment is set to come out every month, on the XXXX, at {$610.00}. Navient has continued to take out {$610.00} per month, another reason why I was unaware of the change. 
XXXX. If I did n't over pay, they would be automatically taking out an amount less than what they indicate my payment is. What would that be doing to my balance and interest? Does this currently have a negative effect on my balance? 
XXXX. I had to hunt for this information. My billing statements never indicate what amount is due per month, which always leads me to question if they 're actually applying the payments to the current month, or considering it a payment into the month ahead - a topic addressed in previous CFPB complaints about Navient 's predecessor, XXXX XXXX. 
XXXX. I also discovered that I no longer have access to my previous XXXX XXXX documentation. I requested information on how to access previous correspondence and have received no reply. 

I have supporting documentation to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: they have not addressed my concern and have not validated the accounts. these accounts have been reinserted on my file and it was deleted for been unverifiable account XXXX XXXX XXXX Status Closed Balance {$830.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$790.00} Type Collection Payment Status Unknown XXXX XXXX Status Closed Balance {$870.00} Type Credit Card Payment Status Late

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 01/26/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (ME).
Issue: Credit decision / Underwriting

Complaint: I have repeatedly requested that I be placed on a no marketing list, including at least XXXX telephone calls to the company. In spite of this I constantly ( as in more than 6 times in under 2 years ) receive misleading marketing materials attempting to trick me into contacting the company to refinance my loan. 
In my initial enrollment when called to confirm loan details I requested opt-out of all marketing. I received one marketing telephone call, and again requested opt-out of all marketing. This was apparently successful for phone marketing, but not mail. Upon receiving scammy mail marketing offer, I again called to opt out and have repeated that request 3 additional times with no success regarding mailed marketing materials.

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 02/19/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Prior to Navient, I completed documentation for student loan forgiveness. Navient is saying my loans does not qualify and I would have to either consolidate my loans or begin another 10 years of paying my loans. Each time for re-certification of Income based or Income sensitive, the representative would assure me my loans qualify. I have submitted documentation for the Public Service Loan Forgiveness when I moved to have the most current documentation and update my file. I have been dealing with their Consumer Advocacy and the representative to this date has yet admitted there may have been miscommunication. My stance, if I knew I was not eligible under one repayment option, why would I continue to pay for 10 years if I was not told to continue this option.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: i am attempting to refinance to get out of this predatory rate Chase has me at 6.625 % but they refuse to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This account I believe belongs to my mom which lived with me for a couple of years and filed a bankruptcy. I have asked to have this account verified and have received a report saying the account was verified and belongs to me. 
I asked how did they verify the information and they stated they contacted the court so I contacted the court and they indicated they dont provide information to credit bureaus. They then indicated they verified the information from XXXX XXXX which I contacted because I had a security freeze in place and they indicated the credit bureaus cant access my credit report. 
So Im at a loss to how they have verified this account on my report when the sources say they cant be use to verify information.

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 05/15/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This collection is being reported by  Fair Collections and Outsourcings on my wife and I 's credit report. This began as a fraudulent charged from its outset. My wife and I were ch arged by an apartment complex  (   XXXX   XXXX ,  XXXX , TX  )  {$170.00} for " cleaning and resurfacing '' after we left in late  XXXX   XXXX . When we left, the apartment as clean as it could be without actually hiring a cleaning service. The only cleaning that was n't done was dusting the top of the refrigerator because my wife could not reach that portion, and I was at work. We asked the apartment complex ( run by  XXXX   XXXX   ) t o provide proof as to why we owed this amount and they never did so. We also notified the complex that one of the countertops was not maintained properly before we moved in. We put in multiple maintenance requests that were never completed. After no proof was provided by the apartment complex, we refused to pay. After only one month of owing the reported balance, the apartment complex sent the amount to collections, held by  FCO , on  XXXX   XXXX ,  XXXX . After a few years of reporting to our credit, we decided to dispute the debt. FCO sent back a picture of the original bill stating the debt was verified but no actual proof as to why we owed that amount. We ended up settling the debt in  XXXX   XXXX , with the impression that the debt would just be cleared but it was n't, and we 'd like them to be removed from our credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (Credit card) with SHAPIRO LAW OFFICE, PC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by XXXX XXXX, Shapiro Law Offices, P.C. of XXXX XXXX XXXX, XXXX Pa XXXX on XXXX XXXX, 2014 regarding the payment of a past debt to XXXX XXXX. that was originally almost completely paid to XXXX, XXXX and XXXX XXXX XXXX of XXXX PA. I immediately contacted XXXX XXXX to indicate that I would be happy to resolve the remaining amount that had been contested and released from XXXX, XXXX and XXXX when he provided an accurate balance to be paid. XXXX XXXX was adamant that I owed the full balance. I asked him to contact the prior collector to ascertain the correct balance due. I was consequently served a subpoena from my local court. At that point I had no choice but to hire an Attorney myself. On at least XXXX additional occasions XXXX XXXX continued to purposely misrepresent the amount owed to my Attorney, prolonging my need for legal representation and subsequent fees. It was only after XXXX XXXX himself was served with interrogatories and compelled by legal requirements that he went and actually acquired the past payment history clearly indicating that I did not owe {$2200.00} as he had maintained up until that point in time. I accrued Attorney fees of {$920.00} since XXXX XXXX misrepresented what I actually owed on the debt, and continued the charade even after I sought legal representation. The debt was finally resolved, but I had to sacrifice almost an additional {$1000.00} due to XXXX XXXX 's false representation of the debt. I am seeking to be repaid for my Attorney fees by XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Auto debt) with UNITED ACCEPTANCE INC (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: United Acceptance is claiming that I owe them for a vehicle loan, when the Contract clearly states that I did not enter the contract with United Acceptance.

Company response to consumer: Closed with explanation