milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft related to my employer, XXXX, experiencing a cyber attack in XXXX 2015 and my personnel information was stolen. As a result, in XXXX 2015 persons unknown used my credit information to obtain a Bloomingdales credit card and subsequently charged {$9000.00}. Despite my sending Bloomingdales a police report, a copy of my complaint filed with the Federal Trade Commission, and a letter from the Office of Personnel Management of the Federal Government acknowledging my personnel file was XXXX that was hacked, and enrollment XXXX who is currently attempting to resolve this matter, they have sent me bills, collection letters and recently a brand new credit card stating " per your request. '' This has been going on since XXXX 2015 and is extremely stressful to me. In addition, they have reported to the credit bureaus I am 90 days delinquent and my credit rating gone down.

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 04/20/2016 about Debt collection (Medical) with Kross, Lieberman & Stone, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Received notice of unpaid debt to XXXX NC on XXXX XXXX. XXXX was paid by check on XXXX XXXX, cleared XXXX XXXX. I have asked by letter the collection agency to verify the debt, they have not done so and have continued to call and write me, despite my letter requesting verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint is against Specialized Loan Servicing ( SLS ). We were switched over to SLS a few months ago and it has already been a nightmare. We never received any statements from SLS until we were mailed foreclosure papers. My husband called up SLS and at first they were not even sure they had us in their system. What?! He was finally able to figure out the amount owed and we mailed it out thinking it was just a fluke. We, again, have not received any statements so, again, my husband had to call to see what was going on. We were told SLS does not send out statements unless we send them a request in writing. We are pretty sure that we are being overcharged as well but we have no itemized statements for reference. We are not sure what game SLS is playing but we feel this company seems to be setting clients up for foreclosure. SLS is the most unprofessional financial company we have ever dealt with in the 16 years that we have been home owners.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Medical) with Associated Credit Services, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They continue to call my work number over and over again. Prior to XXXX XXXX, they would leave messages on the general voicemail that this was an attempt to collect a debt and request a call back. They were told on XXXX XXXX at XXXX to stop calling this is a business. They stopped for a while, and have began calling AGAIN. They called at XXXX today from a number that just reads XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2016 about Debt collection (I do not know) with Miller, Stark, Klein and Associates (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Miller, Stark, Klein , & Associates contacted me about an alleged debt from XXXX XXXX. They made statements such as pre-legal, civil action, advising their client to move forward. Seemingly in an attempt to imply that they would be taking civil action against me for this alleged debt. They stated that the alleged original debt was with XXXX XXXX for a XXXX card. I have no current delinquent debts reflected on my credit report. Any such debts aged off of all XXXX of my Bureau reports last year, making them in excess of 7 years old. The statute of limitations in my state is 4 years. After a brief search of the Texas Secretary of State database, I found no registered debt collectors under the name they provided me. The Texas finance code states that anyone attempting to collect a debt in the state of Texas must be registered with the Secretary of state. In addition to this, if this is a valid debt, they are attempting to collect on a debt, via scare tactics, by threatening or implying legal/civil action on a debt that is well beyond the statute of limitations in my state. 
They are leaving a call back telephone number of XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Reported to credit agency that I was late with a payment when I actually tried to make a payment. 
In XXXX, I made my mortgage payment through their online service when it was due. After a few days, I noticed the payment had not cleared my bank. I called Ocwen several times to ask why it had not cleared. They stated that the payment was pending. XXXX weeks later, I received notice THROUGH THE POSTAL SYSTEM, not a phone call, that the payment was not made, I was XXXX days in arrears and it was reported to the credit bureau, which affected my credit score, as well as my husband 's. I have made numerous attempts to have Ocwen remove the late charge through phone calls and letters. To this date, my credit is still not where it was and it has caused me to have limited access to funds from other institutions. I can understand their stance on this if I have a record of being continuously late, which I do not. If you look at my credit history, you will notice that I am not late on paying ANY bills. I believe that Ocwen 's tactics are unethical. My loan was sold to Ocwen, so I had no say in who would be servicing my mortgage loan. However, I feel that me and my husband have been treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have about $ XXXX in student loans. I contacted XXXX XXXX and XXXX, and I was able to get the loans placed in forbearance as I transitioned between careers. With all of the bills flying at me, it was my understanding that I had personally secured my loans and assured that nothing would default. However, XXXX XXXX XXXX XXXX failed to contact me by any means until I received a call one day from a 3rd party. I was unaware of the loans being sold to them, and had never heard of the company. 
By this point the loan was 96 days past due. After 30 minutes or so on the phone, I was able to work out a delayed forbearance plan XX/XX/XXXX-XX/XX/XXXX. They stated that three months had already past, so they could only do a retroactive forbearance for the XX/XX/XXXX-XX/XX/XXXX timeframe since I was already behind during those months. 
Confused? Yeah, me too. However, I went to look at my credit statement a week after working out this forbearance, and Navient had the audacity to hit my credit report with XXXX 90-day late fees. When I confronted them about it, they stated that there was nothing they could do about it except reconsider once I sent a letter explaining my circumstances. I 'm sending the letter, but I suspect I 'm not saddled with a deplorable credit score due to circumstances largely outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (PA).
Issue: Struggling to pay mortgage

Complaint: Hi - My mortgage was modified many years ago when owned by XXXX XXXX. It was modified through XXXX. As part of the modification, my payments are to step up due to rate changes ( XXXX years at 2.0 %, XXXX at XXXX, XXXX at XXXX and finally a reset to 4.375 % ). My loan payment just modified to 4.0 % on XX/XX/XXXX. Since being modified, the mortgage not was sold and servicing rights were transferred to Fay Servicing. 

I am underwater on my mortgage balances. I purchased my home in XX/XX/XXXX for $ XXXX. I currently have a mortgage balance with Fay Servicing of $ XXXX and a second mortgage with XXXX XXXX of $ XXXX. I believe I could sell my home for somewhere between $ XXXX and $ XXXX based on recent comps. Realistically, if I were to sell at $ XXXX, I would need to bring approx. $ XXXX to the table to cover closing costs and mortgage deficiencies. That number also does not take into account the XXXX foreclosures in my neighborhood that I will be competing with that may drop that price and increase the amount I would need to come to the table with. 

I pro-actively reached out to Fay Servicing to explain that my income has not risen at a pace to keep up with the new payment structure. I alerted them to this over a year ago and then again last month ( XX/XX/XXXX ). At this point, I am not able to make my XX/XX/XXXXpayment as it is not within my budget. 

I just received Fay Serving 's response to my request for assistance. Their response is dated XX/XX/XXXX and simply states I am 'not eligible for an alternative to foreclosure '. Based on previous experience with Fay, I did not expect much assistance. But, this letter leads me to believe that my only option is foreclosure. 

Recently, I read an article about Fay Servicing was keeping borrowers in the dark about their foreclosure prevention options and a civil penalty assessed by the CFPB. Based on their response to me, I feel that this practice is continuing at Fay Servicing. 

Also, when reviewing my recent activity with Fay, there 's an odd line item dated XX/XX/XXXX. The line states : 'Misc Foreclosure and Bankruptcy Expenses '. I 've inquired about it to my account manager and have not received a response to my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: After several emails and phone calls, Caliber home loans gave me a SPOC to speak to only 1 representative to get my account straight. The extension they gave me was XXXX and XXXX was my Singe point of contact,, After being disconnected twice, XXXX employee number XXXX answered the call.. He did not know of any XXXX working that day. I have asked numerous times how many payments did I make during XXXX XXXX. Simple question, but nobody will give me answer, because the loan was transferred several times. I was behind on payments and to avoid foreclosure, I paid in excess of {$62000.00} in XXXX 2016. According to Caliber I was XXXX payments behind, but I never received credit for the payments I made.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On or around XXXX/XXXX/XXXX my personal information and credit history was released to unauthorized unkown persons due to negligent security by Equifax. As a result, I am now at risk for fraud. I have contacted Equifax to determine if any immediate fraud has been committed and was unable to receive an electronic credit report due to unexplained circumstances. I have begun the process of requesting my credit report in writing from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In 2010 I broke a lease with XXXX XXXX Apartments. I was wage garnished, and I paid XXXX for breaking the lease and XXXX for the damages and repairs. I have court documents that support the debt was legally sold to ( XXXX XXXX XXXX ), and paid in full. In XXXX of 2010 I applied for a home and was denied because I " supposedly '' owed I Q Data International, for the same debt that I already paid. I sent them the legal documents, and reported them to the credit bureaus, but the debt is still on my credit. I would like it removed because it should have never been on my credit XXXX. If anyone else is having this issue I want to join a class action suit, or maybe we can start one. XXXXXXXXXXXX I attached court documents that prove I have paid the debt, I also included directly from my XXXX Credit report the page where the debt comes up XXXX, with a XXXX dollar difference.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I received an auto loan for my XXXX XXXX from XXXX XXXX in XXXX. Shortly after I became XXXX and was subsequently diagnosed with a severe, XXXX and XXXX XXXX disorder. I quickly found out that I would not be able to work and our finances would be completely devastated due to my husband also being unable to work as I needed XXXX care. In anticipation of our financial issues I called all of the companies that we had outstanding balances with, including Capital One, notified them of the situation and worked out an extension due to the financial hardship. All of the companies, including XXXX XXXX XXXX, were able to assist. However, when I called Capital One, I was told by a representative that there was absolutely no way to temporarily suspend or reduce my payments without first letting them become more than 30 days past due! I had never heard this before but due to my extreme sickness and our desperation I trusted Capital One not realizing that my credit would be negatively effected. We 've since been trying to recover from the financial strain and had two 30 day late payments in XXXX and XXXX XXXX thinking that we would then be able to work with Capital One to enter into a payment plan or extension. To our absolute horror we realized that they were actually reporting negatively on our credit report despite being told in no uncertain terms there was no payment extension/hardship options available without first letting our payment enter into 30 days or more late payment status. I recently found on their website that Capital One DOES offer hardship assistance ( as evidenced here : https : //www.capitalone.com/XXXX ) but we were lied to and now our credit is destroyed. We have been denied for housing at least 10 times due to solely to the negative tradeline and are at risk of being homeless because of Capital One 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Financial has barred me from paying by check or ACH since I transposed my account number by error. After months of successfully paying online the mortgage company has increased the cost to me of serving my loan while they make XXXX of dollars off of it. It 's unethical and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My credit score dropped XXXX points from XXXX to XXXX due to an inadvertently missed payment of {$210.00} in XXXX of 2017 on a XXXX credit card. The missed payment was due to a paperless bill which was sent to an incorrect email account for an unused credit card. The charge was for the credit card fee and a recurring membership fee that I was unaware of. I immediately paid the balance when I became aware of the past due status but now it is reported on my credit report as late. As a result, my credit score dropped significantly - over XXXX points - for one missed payment. I never received a paper statement which would have allowed me to pay it on time. I also never received any phone calls about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (LA).
Issue: Billing disputes

Complaint: Initially in XX/XX/XXXX I obtained a credit card from Barclays Bank of Delaware. I also acquired the XXXX credit protection plan that was offered through the credit card company called " Account Protector '' In XXXX XXXX, I got injured and I have not been to work since I got injured. I filed a claim with XXXX XXXX and they began to pay my monthly statement. Sometime in XXXX XXXX, I received a call from XXXX and was asked by an agent if I knew of how long I would be considered XXXX to work. I then advised the agent, that my doctor was not allowing me to return to work and that I would be considered totally XXXX. I was then informed by the agent that my case would be paid in full and there was no need for me to submit any additional forms. However, in XXXX upon reviewing my credit report, I learned that the account that Account Protector was suppose to pay in full with Barclay Credit Card had not be paid at all, in fact the account listed on my credit report that the company could no longer locate me, that {$1900.00} was being written off, and {$550.00} was past due. However, it was again to my understanding that the insurance company was to pay the account in full. My XXXX Account number is : XXXX, XXXX c/o Benefit Activation Department, XXXX XXXX XXXX, XXXX, FL XXXX. I have called customer service on several occasions to speak about correcting the account and so the credit card company can get paid by the insurance company as it was suppose to do, but for some reason we keep getting disconnected every time they ask me for the account 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 05-06-2017 about Debt collection (Mortgage debt) with U.S. Collections West, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have recently been looking for an new apartment. I have been denied due to a judgment on my credit which was for an eviction for a property called  XXXX   XXXX . I was told that it was being handled by a collection company calle d UScollections West. I  called the property in  XXXX  to find out why they placed a eviction on my credit. I was informed by the lady at the office that they were new management and that there wer e two differe nt property owners who were no longer there and that they were no longer in business. I was told that I should call and talk with the collection company. I called  UScollections West and  talk with a man who said that they had signed documents from the court that I appeared and pledged guilty to the eviction. I advised him that there is no way they would have any documents that I signed and pledged guilty to any eviction and that I did not owe anyone anything that all monies that were owed was paid at the time of me moving out. I advised him that I had to show proof it was paid in order for me to get my new apartment that I moved into right after moving out of   XXXX   XXXX   XXXX  . He wanted to know if I had any receipts I told him no due to me not keeping anything past a year o r two  and this going back to  XXXX    XXXX  . He told me that I could pay {$5000.00} to settle the account. I told him the account on my credit was not even {$5000.00}. He then told me that I actually owed  XXXX . I told him I would not pay for that is not fair. He then gave me the court and attorney information. I called the  XXXX   XXXX   XXXX  court and was advised that there was not Junction filed against me and that there should be nothing on my credit. I filed a dispute with the Credit Bureau and was told that my dispute was denied due to the company saying it was valid. I filed another dispute with extra information and was told that it could take 30 days. I called  XXXX  on  XXXX   XXXX  and was advised that the eviction and judgment was removed off my credit however UScollection s West just ch anged the account to a collections account. I have been sent paperwork that has no signature of mine and I have no way of contacting the property management company due to them no being in business.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (I do not know) with The CBE Group, Inc. (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: CBE group robo calling 5 times a day at all hours of the day and always just a recording can never actually communicate with a real person to tell the to stop calling. No idea who this company works for but it harassment plan and simple and I want them stopped

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (PA).
Issue: Problems when you are unable to pay

Complaint: Requested Ally a car loan company not to contact my husband at his job. Also emailed them to stop calling my husband at his job. He is not permitted to get calls at work. I asked and sent an email to have it stopped.

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 07-10-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease

Complaint: I had bought a used car from a dealer that arranged finance through " Santander Consumer USA ''. I received my first payment invoice in the mail XXXX day prior to the due date. Upon calling their service number to arrange a payment I was informed that there was a fee nearly of XXXX dollars either by phone or internet. The next month 's statement arrived in a timely manner. The third, ( this month XXXX ) arrived on a Thursday with a due date of Monday.

Company response to consumer: Closed with explanation