milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Towards the end of 2013 I switched credit cards from XXXX to a XXXX credit card. All charges should have switched starting in XXXX. Knowing that all charges were switched I thought everything was good, and I do n't need to monitor XXXX account any more. It turns out one small charge of {$25.00} dollar slipped and hit XXXX account. For some reason, starting that month, XXXX system failed to send email notice of statement balance. So the charge resulted in penalty and interest charges for a few months, before someone from XXXX finally called me to tell me I had a delinquent account ... all due to {$25.00} charge that I was never notified about. Long story short, and tons of calls, they decided to remove 1 late fee. I paid it promptly. The problem is the delinquent account and missed payments are still on my record. The worst part is the associate from discover admitted that system was not sending me any form of monthly statements nor did anyone call me about missed payments until account became delinquent.

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 09/20/2017 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXX XXXX, XXXX. Pursuant to FDCPA XXXX I requested XXXX & XXXX send me proof of the debt they say I owe as they are required by law, and also prove the debt is mine and valid via chain of title to the debt. They do not have/failed to provide my original signature in any documents. The " proof '' of debt they sent was a copy of an old credit card bill. Ridiculous and illegal. 

XXXX XXXX. 
With further harassment from the plaintiff multiple phone calls and visits from the sheriffs office and multiple attempts to seize funds from my bank-I am filing a second complaint and demanding proof of the debt they claim I owe. Immediately. I have sent this demand via registered mail. I also request no further contact from XXXX XXXX XXXX as I am considering legal action against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted my lender about a Home Modification. They sent me a checklist of the information that they needed to process the modification. I provided all the information within 30 days. I missed nothing all forms were provided by me as requested. I am a retired XXXX with excellent organizational skills. So, when I say I provided all the information I am totally accurate! Well, to make a long story short, they kept informing me they did n't get some of the information they needed. So, I would resend what they needed. They they would say they did n't get something else. A year went by without them taking any action. They would always say we need more information, more income verification pay stubs etc. My loan with them is at 7.5 % I make a payment of XXXX per month, about XXXX goes toward principle XXXX is interest. Been paying this since 2008.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NV).
Issue: Trouble during payment process

Complaint: Our loan was transferred XX/XX/2017 from XXXX XXXX XXXX, a fairly reputable institution, to Specialized Loan Servicing SLS ( not so reputable ). Upon conversation with new agent he recommended we sign up for autopay that directly drafts from checking to the loan, we signed on. I went online and entered an amount of an even {$900.00} to be drafted on the XXXX of every month. On XX/XX/XXXX they took out the {$900.00} AND {$900.00} which is the TRUE payment but I always pay {$900.00} to keep my records simple. They took 2 payments for 1 month and left me without monies to pay the rest of my obligations for the beginning of the month! ( TOOK WITHOUT PERMISSION TO TAKE MORE THAN I AUTHORIZED! ) I phoned immediately Friday XX/XX/XXXX and was told the money would be refunded. I phoned today to verify this to be true and I was told it was sent for further review and may or may NOT be refunded and there will be an answer by XX/XX/XXXX. I feel this is unfair lending practices as they no right to take more out of my personal checking without my consent.

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 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: i wrote a check from a local bank ( XXXX ) to make a purchase at XXXX XXXX. I have done so in the past and have had no problems. Today XXXX XX/XX/2018, my check was declined. When I asked my bank they said it was the company Certegy that declined it not them. I tried to contact the company with their phone service both ( XXXX ) XXXX and ( XXXX ) XXXX to inquire why. You can not get a person. When I tried to enter my information using the phone it would not take my driver 's license number thus I could not ask for a credit report or inquire as to why they declined it. The only other contact was a PO Box number.  However, I do not trust this method and want to talk to a person.

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 05/30/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Late fee

Complaint: After years of heavy usage and flawless credit with my XXXX XXXX credit card with XXXX, I was involuntarily transferred to Synchrony Bank. On XXXX Synchrony charged my account a {$25.00} " late fee '' even though it was n't until the next day XXXX that Synchrony emailed me instructions on how to register on their website to set up payment. So today I sent them payment in full -- minus the {$25.00} -- and closed the account. But how many other poor consumers paid the {$25.00} " late fee '' because they could n't afford to close the account, or because they did n't see it among their legitimate account activity? It 's dishonest, bad business, and should be regulated against during involuntary transitions from bank to bank. Please help me stop Synchrony from engaging in this practice. Please help me stop Synchrony from reporting this alleged " late '' payment on my credit report which is otherwise perfect. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/19/2016 about Debt collection (Medical) with Bonded Adjustment Company (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by phone by Bonded Adjustment Company of XXXX, WA regarding an emergency room bill from 2013 last summer. I had never heard of or received a bill, but I took down the account & company info, told them to talk to my insurance company, and asked them not to contact me. 

I then noticed the info on my credit report, so I sent a request for verification. Luckily I had the account # from the phone call, as that is not on my credit report, so issue 1 is failure to document account info. 

They gave me one address over the phone, had a different address on their website, & a 3rd address on my credit report. I sent a certified letter via return receipt to the online address, which was incorrect, as was the one on my credit report. 

Issue 2 ) do not list correct address Issue 3 ) did not sign return receipt They did respond to my letter within 5 days, but responded to my request to verify the debt from 2013, which they 'd already told me about over a cell phone, while I was in a public space, that they needed ME to verify MY information for the debt they wanted me to pay them and remove from my credit report. 

So a third-party company with no fixed address wants me to pay them a secret amount ( {$1100.00} for an {$840.00} bill ) to remove a negative account from my credit report. They refuse to verify that I owe this amount, despite the fact that they are more than willing to do so over the phone, unless I hand over more information to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: At the beginning of   XXXX   I started the process to have my payment reduced through  XXXX . Every other month I would check in on the process to see how things were going. Each time I would be informed that they needed my Tax Docs or need a new application. I would comply and submit the documents, but the next month I would receive the same feedback. After a year they were finally able to derive my new payment. At that time I spoke with a supervisor and asked her to explore if the interest accrued during the extended period could be forgiven since this was purely the fault of FedLoan Servicing. After a couple of weeks she said that it was determined that  FedLoan  was at fault and that I would not be charged the interest accrued during that time. Today I learned that I was in fact charged the entirety of the interest despite their admission that they delayed the entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been trying for almost a year to get into an affordable repayment plan with my private student loan servicer, Navient. First I tried an interest only plan, but even that was almost $ XXXX/month, on top of the $ XXXX/month I have to pay on my government IBR plan. After multiple attempts at contact ( often having to wait on hold for extended periods of time and being transferred to multiple different people ), I was finally advised that I MAY be eligible for an alternative payment plan ( no details on what that means have ever been given ). I was sent documents asking for my personal financial information, as well as the personal financial information of my co-signers. When I asked my co-signers to complete the forms for my financial assistance application to Navient, they asked why the servicer needed their information to determine whether or not I was able to afford MY monthly payments. I again contacted Navient and conveyed my co-signers confusion. I was advised that, if my co-signers financial information showed that THEY could afford my current monthly payment, my application for a lower alternative payment plan would be denied and they would simply collect from my co-signer after I was forced into default. This is exactly what they and I both feared. While we understand that a co-signer is equally responsible for the full amount of the debt, the co-signer is only supposed to be collected upon if I disappear or otherwise refuse to pay my debt. The lender should not force me into default just so they can collect the higher payments from someone who was doing me a favor to further my education. I am trying to work with Navient in good faith to establish a payment schedule I can afford. Their callous disregard and refusal to work with borrowers who want to repay their debt is unfair and abusive to both borrowers and their co-signers. I only have two months of forbearance left and I fear my co-signers and I will end up facing negative consequences if Navient is not forced by the CFPB to act ethically.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Atlas Credit Company, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I missed my monthly payment, manager XXXX started calling my phone twice a day, and my work number at least once a day, manager started texting my personal number demanding payment right away, on XXXX/XXXX/17 a lady ( XXXX XXXX ) came to my residence to try and collect. I told her to stop coming to my house, she told me that was her job. I tried to pay but this person had no receipts to issue if payment was made. right after, I talked to XXXX via phone and demanded for them to stop harassing me. he told me that if I missed more payments he had all the right to contact me any way he wanted. I told him that it was ridiculous to send a person to collect without a receipt book, and he told me it was more ridiculous to missed my payments. At this point It was obvious I was talking to a person with zero management skills and I decided to stop our conversation. I told XXXX XXXX to stop calling me, and texting me from now on. he said he would keep calling if I keep missing more payments. I feel harassed and threaten every day by this individuals and their abusive tactics. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (I do not know) with First Choice Assets LLC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A person calling from XXXX ( XXXX/XXXX/15 ), claiming they are debt collectors, are calling every day. When I answer the phone often hangs up. I called it back, a man answered and asked for my address and last XXXX of my social security number. When I refused and asked for verification he said that he could not give me any information without my last XXXX. He said that this matter was very serious and that I needed to get it settled. He told me to call back after I was ready to verify my last XXXX. He asked to confirm my address, the address he stated was incorrect. I hung up. This number has called several times. Previous numbers include XXXX ( XXXX/XXXX/15 ), XXXX ( XXXX/XXXX/15 ), XXXX ( XXXX/XXXX/15 ). there are also several XXXX numbers calling, I think from the same people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Southwest Credit Systems after disputing the information that I owe a cable bill from XXXX. I asked for the original contract of the bill, as well as identifying information such as my birthday, SSN, or any other identifying factors that would show me that this debt is mine. I knew that the information is incorrect because I use XXXX for my internet, with the bill and all of the information is in my name, and not anyone else 's. They are reporting on an account that I never had, as my XXXX and account are current with XXXX. They are calling and sending harassing information to my phone and reporting to the credit bureaus that this information is correct. It was deleted on my Equifax account in XXXX of 2017 and then placed right back on my account without any notice. After my second time disputing it I do n't know what else to do because this is not my bill, and I should n't be responsible for this bill. I have had this company for at least three years and none of my bills from XXXX are in collections with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Greentree has failed to respond to a qualified written request for several months. They have failed and refused ( and continue to do so ) to process my automatic monthly debits form my checking account, resulting in fees and costs for XXXX late fees as a result of their error and last-minute " speedway '' fees, which upon information and belief contributes profit to Greentree 's bottom line. During the call, Greentree makes false statements including that " free options, such as our monthly automatic payment '' are available. I have signed up for the same and Greentree has not initiated withdrawals pursuant to my instructions despite my explicit instructions to do so at least ten times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a XXXX in XXXX XXXX, Ca when I was insured by OHP and the city of XXXX XXXX and XXXX XXXX XXXX XXXX from XXXX XXXX are refusing to bill OHP for reasons I do not understand, they both have turned this issue over to CMRE Financial Services Inc. @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX I have been in contact with XXXX XXXX with XXXX @ XXXX She had called XXXX parties in question and they actually gave her bad fax numbers and e-mail addresses to send whatever they needed to bill but to no avail then they sent the collection notices.

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 01/19/2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Campus Partners handles a loan I made thru XXXX University. I thought the loan was paid in full because I was making payments for several months without any getting any statements. 

Yesterday, XXXX/XXXX/17, I ran a credit report and discovered there is about a {$500.00} balance. I went to the Campus Partners ' website and it showed I have been sent to collections and that my mailing address is invalid. I called Campus Partners today, XXXX/XXXX/17, to try to get this cleared up and resume payments. I spoke with XXXX. Campus Partners refused to give me any information and said I have been sent to collections. They stated my address is invalid. They gave me a phone number to call and would not provide any assistance or any any questions. They also said I need to go to the post office to fix my address issue. 

I have received nothing in writing, no email, no phone call or any information about the status of my loan or the current balance. I have been at my home for over 13 years, no contact information has changed. I have had the same email and phone number and address. I went to Campus Partners website after I called them today to confirm again and the notice of the invalid address is now gone, and I still can not get any information. 

I have had no other difficulty receiving information from other companies and have excellent credit and have never been late on any payments. 

I have not received any notice of a current balance ; No notice that my payments were behind ; No notice that I have been sent to a collections agency, or a validation statement from this collection agency. Campus Partners could not tell me the last time they even sent me a statement. I was told my only recourse was to write a letter to a XXXX and again to go to the post office. I told Campus Partners I was going to report them. 

The actions of campus partners is unlawful under the Fair Debt Collections Act and wrong. I have screen shots of my address showing as invalid yesterday and now today ok after calling ; showing they went and changed my account information. If my address is invalid why are they changing the status on my account after I called. I also have a stack of statements from Campus Partners to my address, showing that I can receive information from them in the mail. I have also included a screen shot on my payment history from XXXX. 

I want to continue to make payments on my student loan. I want my credit cleared and I want to prevent this from happening to other people. I have n't moved, avoided payments or done anything wrong. I should n't have to pay late fees or have my credit rating impacted my their poor practices. They need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Medical) with Receivables Outsourcing, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a veteran widow whom is a recipient of Maryland State Medicaid and have been for several years. Therefore, the State is responsible for my health bills at XXXX cost to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (I do not know) with BlueChip Financial (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Contacted on XX/XX/XXXX by a XXXX XXXX, stating I owed {$250.00} to XXXX. I let him know that the debt was not valid and a final payment of {$230.00} had been made in XX/XX/XXXX. I also told him I would not be making a payment to him today and would contact the original creditor to so they could remove the account from collections. XXXX XXXX called me back immediately, leaving a voicemail that stated I needed to provide him proof by the end of business day or they would proceed with a lawsuit against me. XXXX XXXX did not provide any fax number or email address to which I could send proof of the paid debt. I attempted to call XXXX XXXX back six times, every time he hung up the phone without answering the call. On the seventh try I got through to his associate, the associate transferred me to XXXX XXXX. At that time I requested he provide me with a fax number or an email address so I could provide him a copy of the cashed check. XXXX XXXX refused to provide me with either, and told me he was sending a sheriff to my house. I gave him my email address and asked him to please email me so I could provide him with a copy of the cashed check that showed the debt was paid in XX/XX/XXXX. So far, XXXX XXXX has not provided me with any means of communicating proof of the paid debt with him and is no longer answering any phone calls. The times I did speak with XXXX XXXX on the phone he raised his voice, was profane, would constantly speak over me and would not allow me to get a word in edgewise to provide proof that the debt was paid. 

Prior to the call on XX/XX/XXXX, XXXX XXXX left a voicemail on the cell phone my husband uses for his military service, stating that I owed a debt and I needed to call him to pay it immediately. 

The final loan payment was made on XX/XX/XXXX via online bill pay through my credit union. The check was sent to the company on XX/XX/XXXX. Attached you will find a copy of the endorsed and cashed check.

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 explanation