milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2018 about Debt collection (Medical debt) with Healthcare Receivables Group, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: HEALTHCARE RECEIVABLES XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account Number : XXXX XXXX XXXX Credit Items HEALTHCARE RECEIVABLES XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX - XXXX Address Identification Number : XXXX Status : Collection account. {$880.00} past due as of XXXX XXXX. 

I never received any bill or notification stating anything was owed or due. I have requested copies of statements for amounts due to verify that I do in fact owe the balance and verify the debt is mine and again I have received nothing. I noticed that it was placed on my credit report and upon further research found that NC requires the agency to be licensed or registered with the secretary of state and found that they were suspended within the state and in violation. I would like this to be removed from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: I had a lease vehicle through Ally Financial. Once the vehicle was turned in, I was charged for damages that I felt were inappropriate. After several appeals within Ally were unsuccessful, I sought outside mediation services. Once Ally was contacted by the mediator, I received a call from them offering me a settlement if I cancelled mediation. I accepted their offer in order to put the matter to rest. However, what was not disclosed to me during that phone call was that they were not waiving the remaining portion of the disputed amount, but were going to report it as forgiven debt to the credit bureau. This was never disclosed to me, nor was it ever mentioned that accepting this offer could adversely affect my credit score. When I called them after learning that my credit score dropped, they said that the only thing they could do would be to re-open the account and report it as paid in full if I sent them the rest of the disputed amount. I believe that this type of bait-and-switch tactic is both fraudulent and unethical. I would never have cancelled mediation services had they disclosed all of the terms of their offer to me at the time it was made.

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 05/19/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: my bank account with 53rd bank, routing number XXXX and account number ending in XXXX was given an overdraft coverage for my withdrawals with a per-overdraft-item charge of {$37.00}. This coverage l have had since l opened the account with the bank for almost if not over XXXX years ago. Suddenly the bank cancelled this coverage without given me a proper notice so that they can return any over-drafting-item and still charge me {$37.00}. Please l need to know how legal this is and would like to know how l can get all my money in these charges back? I will provide all relevant information necessary for this investigation if need be

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 I wired my mortgage payment of {$5600.00} with XXXX Reference number # XXXX. Ocwen refused to accept my wired mortgage payment of {$5600.00} and wired it back to me on XXXX XXXX, 2015. 

I spoke to a representative before wiring the mortgage payment and she had advised me to wire {$5600.00} to avoid my account becoming blocked and going into foreclosure. Ocwen representatives have given me wrong information regarding my account and the sending of my mortgage payment in several occasions. 

Because Ocwen has returned my mortgage payment back to me, I have fallen behind on my mortgage payments. Ocwen has intentionally made it difficult to reinstate my mortgage back to a current status. Ocwen is demanding {$13000.00} currently to reinstate my account, due to their fault of returning my two mortgage payments back to me. 

Ocwen has done this intentionally so they may foreclose on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (Conventional fixed mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (GA).
Issue: Application, originator, mortgage broker

Complaint: XXXX of 2016 i decided to refinance my 15 year mortgage to a 10 year mortgage with Homebridge Financial Services, lowering my rate from 3.5 % to 2.75 %. The loan officer locked the rate and started the process of refinancing. I paid {$650.00} upfront for an appraisal on the property. Over the next four months I sent in all of the documents requested to Homebridge. Unknowing to me, the rate expired and no one notified me of this so I could make a decision early on to move forward or not. I finally get a call at the end of XXXX 2016 to tell me that they did n't think that it would be beneficial to me to refinance now that the rates had gone up. I am requesting that my {$650.00} be refunded to me due to the incompetence of this company. Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 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: I have lived abroad since 2007. I have XXXX children and will likely not move back to the US in the foreseeable future. 
Unlike competing loan companies, it was impossible for me to pay Navient via an international bank, either via transfer or by debit card. Later this was changed and they tried to process my information through debit card, but conveniently, " could n't process an international card ''. 
A few years ago, I moved to the XXXX which runs on a transfer based system. Any card that I use for international payment is a credit card, which Navient will not accept. They have indicated that the only way for me to pay is via international transfer, which effectively costs me {$50.00} per transfer in bank fees and exchange rate commissions. I currently owe roughly {$20000.00}, which should take approximately 10 years to pay back. That is over {$6000.00} in banking fees alone and almost a quarter of my total federal loan, not to mention what I have accrued in payment fees for non-payment, which quite honestly, I have lost track of. 
I am fully willing to accept my debts, however, the inability of Navient to accept and process foreign payments has made this an impossibility.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage used to have XXXX XXXX service my mortgage with them. Then effective XXXX XXXX, they took the servicing of this mortgage back. They stated on the phone at least 3 times that no late fees or credit reporting would occur until 60 days from the date they took over servicing. I made my mortgage payment on XXXX XXXX. That is the day it is due. Freedom Mortgage should have had that payment transffered from XXXX XXXX, yet I have not seen it come out of my bank. Now, I am getting a letter telling me that I am late ... .and that they have reported it to the credit bureaus. This is the EXACT opposite of the information I received from XXXX separate representatives on their customer care line. In short, they lied to their customers. They can not tell me what happened to the payment I made online on XXXX XXXX. It has not been 60 days since they took over the servicing of this loan ... .why are they sending me debt notices before their 60 day grace period to me when I have a call record asking about the payment and a letter that I on XXXX XXXX explaining that I made the payment and ALL I wanted to know was what happened to it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Called and made threats

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Consumer Loan (Vehicle loan) with Skopos Financial, LLC (NC).
Issue: Taking out the loan or lease

Complaint: I purchased XXXX Ford Fiesta from XXXX XXXX XXXX XXXX, in XXXX of XXXX. I was making my payments on the vehicle. I started to have problems with the car so wanted to trade the car in. Not to mention, did n't have car for a year yet just 9 months. Went to where got car to trade it in. And could n't trade, from XXXX XXXX XXXX XXXX. They were going all around why I could n't trade my car. Went to XXXX to see if I could trade the vehicle there. At XXXX is where I learned of predatory lenders. I learned that I was paying the interest instead of the car. That the finance company ( Skopos ) was charging me XXXX more than what car is worth. So in the contract six years to pay off a XXXX XXXX dollar car that 's only worth between XXXX to XXXX. So I even tried my bank which is a credit union and they wo n't touch it cause they said the car is not worth XXXX. Please help me to get interest rate down which is 17 %.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Student loan (Non-federal student loan) with KEYCORP (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Institution KeyBankStudentLoansServicedbyXXXX KeyBankPrivateStudentLoanInterestRateIllegalInterestRate IncreasesXXXXXX/XX/XXXXinterestrate3.92 % XX/XX/XXXXinterestrate 3.94 % XX/XX/XXXXinterestrate4.16 % XX/XX/XXXXinterestrate 4.29 % XXXX INTEREST RATE INCREASES WITHIN 6 MONTHS MY CREDIT REPORTS FROM THE XXXX CREDIT BUREAUS SHOW MYSELF AS PRIMARY BORROW ON MY DAUGHTER 'S NON-FEDERAL STUDENT LOAN AND NOT THE CO-SIGNER

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Problem with fraud alerts or security freezes

Complaint: Hi, As a victim of the XXXX hack I am trying to set a freeze on my credit reports. I noticed that XXXX does not charge XXXX residents who have been hacked while Experian does charge XXXX  residents without giving them an opportunity to indicate whether they have been a victim of identity theft. 
I signed up for both of the freezes today on XX/17/2017 between XXXX and XXXX. 
I tried to resolve this unwarranted charge of {$10.00} through Experian 's website but was unable to do so. 
I 'll let them know I am placing this complaint with CFPB, but if there 's any other way I can help please let me know. 
Thanks

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 12/20/2016 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WV).
Issue: Application, originator, mortgage broker

Complaint: My husband and I are both Veterans. We are divorcing and agreed he would take the house that is in both of our names, but under my VA entitlement. We were in the process of refinancing it out of my name and solely into his. We did the quit claim deed, got his XXXX, paystub ( {$3500.00} bi-weekly ), letter of verification, everything asked for. He was set to close on XXXX XXXX and I moved forward making an offer on a home for me and our kids. Communication break downs, misinformation changing of stories started happening two weeks before closing. They could not verify occupancy which made no sense as all his XXXX and paystubs verify this is his home. I could never get our loan officer on the phone, I was either getting calls from other people in different departments. I was promised to get a call from our loan officers manager immediately, and a week later, 6 days before closing, I was told they would not be able to refinance and I needed to contact the VA directly if I wanted my name off the loan. When I called the VA, they told me I should talk to the bank because a simple modification can take my name off the loan since it was in our divorce agreement. This is USAA Mortgage.

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 Debt collection (I do not know) with Convergent Resources, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Creditor is attempting to collect a debt that has already been paid. My account with XXXX in question was cancelled by me and all outstanding balances paid. Debt agency is still trying to contact me after debt has been paid. 
I do not understand why there was a debt to begin with as balance due was paid in full before due date.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Debt collection (Medical) with Professional Claims Bureau, Inc. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This business has called my job twice after I specifically asked them not to. 

These people also refuse to reveal who they are when they call. When they call they do not leave a message and just hang up. I am being harrased,

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Bank account or service ((CD) Certificate of deposit) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: We opened a cd with XXXX XXXX saving in XXXX XXXX XXXX Calif. During the term of the cd Union bank bought XXXX XXXX XXXX . Our 5 yr. cd matured and rolled into a new cd. XX/XX/2016 without receiving any notification from Union. When I discovered the cd rolled over I went to Union to cash it in. It was Monday. XX/XX/2016 I was upset about the penalty and the conversation with the teller was not having a beneficial effect. I ended up yelling and making a scene and abruptly left the bank with out cancelling the cd. Then on the following Wednesday, two days later, Union Bank called and said they were cancelling the cd and another account under my family name. I told them I was ok with them cancelling my cd figuring if they were cancelling it there would not be a cancellation penalty of {$1400.00}. but said I did not want the other account closed. The representative said he would have to ask the office if we could keep the other account open and would call me back. He called right back and said Union was requiring all my accounts be closed. They said they would be overnighting me a cashiers check for the cd. The next day when I looked at the cashiers check they had taken a {$1400.00}. penalty fee and claimed that they were closing the cd by my request. I did not cancel the cd, did not fill out any cancellation paper work and was planning on sitting on the cd till I figured out what I was going to do. Union did not call me on that Wednesday morning because of their desire to provide me with good customer care, not. They called because they wanted to cancel my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: loan  XXXX  serviced by Ocwen many attempts to get a suitable modification plan ; Ocwen failed at all options began foreclosure again while I am recovering from a   XXXX   XXXX   in addition the original note of the deed of trust is wrong Paragraph  2 of  the original note says INTEREST ; this is a  PITI loa n not interest The word interest is wrong and make the note invalid  Ocwen  says since they did n't prepare the note that it was an oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Auto) with Wilber and Associates, P.C. (ID).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Several of the issue choices above apply to this complaint. I received a debt collection letter from Wilbur & Associates, dated XXXX/XXXX/XXXX stating their client had compensated it 's insured for a loss, etc. etc. etc. ( A copy of which is attached ) & stated that they wanted to settle things with me in an amicable fashion & my cooperation was required to REACH a complete resolution so I needed to make a check payable to XXXX in the amount of {$3700.00} & mail it to them XXXX Wilbur & Associates ). 
Then approximately 1 week later, roughly around XXXX XXXX or XXXX XXXX, I received a telephone call from a XXXX representative while I was at work & the person I spoke with kept trying to get me to admit & commit to paying this {$3700.00} & when I kept telling him I did n't know what he was talking about he started threatening me with having my license suspended, and how he was going to enjoy me having to crawl back to him in order to get my license back if I continued to refuse to pay this debt. I finally became so angry that I hung up on him and decided to seek out legal help to write a letter to this Wilbur and Associates, demanding that they validate the debt and that they nor their client XXXX, initiate any further contact with me other than through writing. 
This letter was then mailed out to them, with return receipt requested ( a copy of which is also attached ). 
Wilbur and Associates failed to validate the debt as described by the FDCPA and provide me the correct documentation I requested within the allotted time, therefore making this claim voided & closed. 
On XXXX/XXXX/XXXX, I received a letter from Wilbur & Associates ( a copy of it & it 's content is attatched ). It was at this time I had decided to file a complaint and before I could do so I have received yet another letter, dated XXXX/XXXX/XXXX, this one being from XXXX, demanding payment in the amount of {$3700.00} for their client XXXX. ( a copy of which is attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They have reported false information on my credit reports with ( XXXX, XXXX and XXXX ) that I paid in full with them {$1000.00} and they collected on a debt. That information is incorrect. I never paid them nor the amount they reported on my credit report. If I paid them directly ; they need to provided the means of payment ( check, credit card, etc ) receipt. I never spoke to anyone or neogitate settlement payment with anyone at this collection agency

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 10/30/2015 about Debt collection (Credit card) with DISCOVER BANK (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I want XXXX XXXX XXXX XXXX firm ( claim to represent Discover Bank ) to drop the lawsuit and dismiss the Plaintiff 's Motion For Summary Judgment against me ( defendant ) and compensate me for over XXXX harassing cell phone calls and a letter of harassment. 
XXXX XXXX XXXX Debt Buyer/Collection Agency/Law Firm ( not the original owner ( Discover Bank sold the debt to XXXX XXXX XXXX ) filed suit against me XXXX XXXX, 2013 without properly notifying me of the lawsuit. Communication tactics after initial dispute and cease cell phone communications. False Statements or representation. Taking and threatening to take an illegal action. Attempting to seize property. Payment Protection Plan ( insurance ) suppose to pay for billed charges on the Discover Card charges due to my illness, vehicle injuries, and unforeseen financial difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed an account with XXXX on an auto loan that was reporting as 30 days past due for XXXX 2016 with XXXX and Transunion. They investigated the results and notified me that the account was correct and verified with the creditor. I followed up with both reporting agencies with evident showing screenshots of the payment days for the month prior and month reported past due from the creditors website and asked them to provide information that the creditor provided them. Neither creditor has responded and they still continue to report 30 days past due for the account.

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 11-10-2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: the company Equitable Acceptance has scammed me into paying for their " service '' in lowering my federal student loans. They are drafting {$42.00} from my checking account monthly. I have been paying since XXXX of XXXX and I still owe the same amount in my student loans. They claim to reduce my payments and pay for 120 months and the rest is forgiven. I pay {$180.00} a month and my loans are still the same amount. This company is fraudulent and they have put an inquiry on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation