milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Closed our account with XXXX XX/XX/XXXX. They continued to automatically charge my credit card on file for an additional months bill in XX/XX/XXXX. I called/online chat with them numerous times and was told the money would be credited back when a final bill was issued. I have yet to receive this final bill. I filed a dispute with my CC to protect myself. XXXX tried to claim I owe them this money, after their agents have told me thru repeated conversations ( see attached ) that they would clear up issue and that I did not in fact owe any money ( since it was monies they had over charged me ). Despite continued correspondence with XXXX several times a month since XX/XX/XXXX, they continue to refer me to their 3rd party collection companies. First with XXXX XXXX XXXX, which, after numerous emails to them including copies of XXXX chats, I finally filed a claim with CFPB ( XXXX ) that helped get resolution with XXXX and I thought with XXXX. XX/XX/XXXX, I received a new letter from a different collection company, IC System. I contacted this company by phone and was told that I could not submit proof that XXXX had cleared the matter by email, that I would have to send by mail. I noted I would submit a claim on CFPB. About 1 week later, I gave birth to my XXXX child. I had not heard back from the Creditor, so I hoped it had been cleared by XXXX and there had just been time lag, since I have received nothing but the first letter from IC System. I just checked my credit score ( XXXX XXXX, XXXX ) thru my credit card and have a debt collector issue. IC System and XXXX are the only possibility. I have not been negligent, I have contacted XXXX, XXXX, and IC System at every step of the way as possible. I continue to be told by XXXX that the issue has been resolved and no debt is due by XXXX, only to find out later by written mail that they have escalated the claim to different Debt Collectors. At this point I feel XXXX is harassing me and has cost me hours of my time and much distress in trying to clear up the issue. I do n't know what to do to get them to keep their promises and clear up the Account. I can not continue to waste time corresponding with them, when they tell me one thing and do the opposite. Can you help me to get ATT to keep their word and stop harassing me for debt ( {$120.00} at this point ) that they already promised me was resolved? Thank you

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 04/14/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (DC).
Issue: Deposits and withdrawals

Complaint: I noticed today that over the course of four months ( XXXX, XXXX, XXXX, XXXX 2015 ) my bank account was debited {$40.00} each month by XXXX. The debits appeared on my bank account statement as " XXXX WEB PMTS '' and " XXXX WEB PMTS '' A quick search through Google shows that other individuals have been scammed by the same entity. A call to the number listed for the company goes only to a voicemail account. The company website lists a location at XXXX XXXX XXXX XXXX XXXX, XXXX, DE, XXXX. However, many online have noted that this is likely a scam originating from outside of the United States. I filed a claim with my bank and they are investigating. However, the source of this scam needs to be found and stopped. An alert should be sent to US financial institutions. I imagine that because the amounts are relatively small there are a number of these fraudulent debits that are going unnoticed. Because I just noticed this activity, I am not able to receive a credit for the first debit that occurred in XXXX 2015. This needs to be stopped before it happens to more people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I called the collection agency and this debt was not able to verified accurately. They will not able to verify this debt. When I moved out I had no balance and I would like this debt removed from my 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, a company, and now a victim of the recent hack, has claimed that I am affected by the recent data breach. While I feel they are handling this fairly well, I do feel violated that a company I do n't even know, nor previously came into contact with is reporting that they have breached my credit card information. Please pursue this, as I 'm sure this violates my privacy and unlawfully uses my credit information for business profits.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have two private loans with XXXX. One of my loans has my brother as a co-signer. XX/XX/2016 I lost my job and was n't able to make the payments. I called each month to let you guys know I was n't able to make my payment. I also asked several times to be put back in deferment due to not working. I was told they did n't have any options for me. So know my two loans are in Recovery. My rep is XXXX. I feel they are not working with me. I 'm doing the best that I can and I feel they are not working with me. But, continue to tell me that my loans will be given to a lawyer or agency. I paid my monthly payments every month before I lost my job. I feel that I 'm not being treated well. Is there something that can be done? Can I be put on a payment plan vs XXXX calling every week asking for a payment? I also paid {$1300.00} over the last few weeks and I receive calls stating my loans are in recovery. I have to always tell them that I 'm working with XXXX. Then they see the notes that I am working with XXXX. I wish they would review their notes before calling me every week.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: APR or interest rate

Complaint: I had a American Express business card since 1995 and the interest rate was okay and I always paid on time. Now they have jacked the interest rate and make this bill almost impossible to be paid off. This is wrong and I do n't need this card anymore. I do n't have the business anymore. They are charging XXXX a month in interest. With interest being at a low for a long time I never realized they were charging that kind of interest. Please advise what to do with this kind of practice. It 's a crime to be treated with this kind of billing practices. You can never paid this off with regular monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Consumer Loan (Installment loan) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX a loan officier from 5/3 bank came to our business and stated the bank was defaulting our loans because we were in arears on the property taxes of the building they financed. After a great deal of discussion we agreed to close our 17 year family business and sell off all assests including the commerical blg and forward all proceeds to 5/3 bank to pay against the balance of our XXXX loans approximately {$300000.00}. For our cooperation 5/3 said they would assist us securing an OIC from the XXXX which would if accepted remove all liens from our personal property and nullify the personal guarantees. We worked with XXXX XXXX and by XXXX or XXXX the business was closed, all assets sold and monies turned over to the bank. XXXX then immediately proceeded to draw the documents to present to the XXXX. We submitted ALL required docs including personal finance and tax info. The XXXX responded on XXXX occassions simply commenting that their paperwork was not completed correctly and again working with XXXX we made the corrections and resubmitted. Now comes XXXX XXXX and communication from the bank stops completely. We can not find anyone who will assist us and find out what is going on. Forward to XXXX XXXX we are assigned a new loan officier finding out XXXX had left the bank. The new officier is XXXX XXXX. She has none nothing but delay the closure of these issues. We had to resubmit paperwork, personal financials and tax info over and over simply because of inaction on the part of 5/3. 

Bottom line wehave fulfilled every single request set forth by 5/3 with devastating consequences to our personal situation. At XXXX and XXXX years old this entire process has caused us great emotional distress. It needs to come to closure, 5/3 needs to step up and meet its end of the baragain and get the OIC signed, sealed and delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: A navient representative contacted me maybe 3 years ago stating that I qualified for forgiveness I submitted my XXXX information and my financial documentation for the year I received a letter in the mail stating that my student loan was paid off in full and then shortly after I notice my credit score kept depreciating after running a credit check on myself I found out that my XXXX was moved to navient and was being sent to an incorrect address so I paid {$450.00} to have this forgiveness and all it did was backdoor me and put me in a bed off situation with my creditors when they gave me forgiveness the first time they did n't need a medical excuse they just needed proof that I was receiving XXXX from the Social Security Administration after I realized that I did n't receive forgiveness in my loans were consolidated instead they now ask for a doctor 's note stating that I will be XXXX for the rest of my life because I am only XXXX even though I 'm not working in my field my doctor has hopes and wishes that I develop back into the workforce as a full graduate of XXXX XXXX XXXX I believe I do qualify for loan forgiveness due to the lawsuit that was held against XXXX XXXX XXXX I am reaching out for some assistance and help with relieving my debt

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have payed over {$80000.00}. on our rental property this year. The mortgage balance is now {$3000.00}. We sent in our payment of {$1500.00} on XXXX XXXX. 2015. Check # XXXX. The amount of the payment due is {$500.00}. The payment represented our payment plus extra payment on the principal. Ocwen mortgage put in the wrong account. Our acct. # is XXXX. We have called numerous times but they refuse to give us credit even though we sent proof from the bank that the money was deposited into acct. # XXXX instead of our acct. Now they notified us the house is being placed in foreclosure with all the extra fees plus late charges. We have sent them certified letter explain what they did but they are ignoring us and saying they did n't receive the XXXX payment. We are senior citizens and need help to stop these crooks. We have never been late and we are paying this house off 25 years early. We understand that this a common practice with this company. Please help us or send us in he right direction for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I went through a loan modification with Wells Fargo, they stated to me that for me to get this loan modification I need to not submit mortgage payments, and I told them that I want to continue to submit mortgage payments because I did not want the missed payments to affect my credit score. They assured me that it would have no affect to my credit score and that because I was being qualified to receive a loan modification I was safe and nothing will be reported to the Credit Bureaus. Now I have 5 delinquent payments on behalf of Wells Fargo showing up on my credit score and I will like them to be removed.

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 09/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX XXXX XXXX ( Pinnacle Credit Services LLC ) Sent me a letter dated XXXX/XXXX/2016 Stating " The law limits how long you can be sued on a debt. Because of the age of your debt, Pinnacle Credit Services LLC, will not sue you for it, and Pinnacle Credit Services LLC will not report it to any credit reporting agency. However this alleged debt is still being reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced mortgage and according to Ditech Financial, the loan was paid on XXXX/XXXX/2016. At that time, my escrow balance was {$4600.00}. However, Ditech Financial deducted another MIP premium payment for {$300.00} on XXXX XXXX, 2016, after the loan was paid off. 

According to my title company attorney, Ditech should not have taken any more full MIP payments after the loan was paid off. 

Can you please help? 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Medical debt) with Paramount Recovery Systems, L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  Paramount Recovery  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

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 12/19/2015 about Credit reporting () with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX was and has been paid off. However, they apparently sold my account to Portfolio Recovery Associations ( XXXX XXXX XXXX. I filed a dispute and last year XXXX/XXXX/14 received a letter stating a PRA filed a XXXX XXXX Form electronically to delete this account on my ALL AGENCIES credit reports. To date it HAS not been done. RE XXXX XXXX It STILL is showing as a charge-off under XXXX and A COLLECTION ACCOUNT on PRA.

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

Complaint: My private information was accessed in the Equifax hack in XXXX of XXXX. Not only was I not notified of this event in a timely fashion, I have not been notified directly by the company at all. Equifax has also attempted to deceive me and countless other consumers into signing away our right to sue for their negligence by offering a free one year trial of credit monitoring in exchange. This is deceptive and predatory behavior, in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I placed an order online with XXXX. The order was for 3 items. The charges posted to my account and were processed. And then showed up a second time in the pending transactions the following day. When I contacted SunTrust I was told the pending transactions would be removed from my statement. Now they are saying that they are going to charge me for the pending transactions, that they removed. Those transactions where not initiated by me or XXXX, and were SunTrust 's mistake in the first place. They should not be able to charge me for a transaction that I did not initiate. XXXX has stated that I only ordered the three items once, and that they where paid for them. Thus, SunTrust should not be able to remove an additional {$57.00} from my account a second time. I will attach statements from both XXXX customer service and SunTrust customer service, and a copy of my bank statement to this document. 
Kind Regards, XXXX XXXX XXXXXXXX

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 01/16/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CO).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I attempted to make a payment on XX/XX/XXXX in the amount of {$190.00} and my payment was rejected. I called XXXX XXXX the owner of my checking account debit card and they had not placed any holds on my accont for fraud. I called XXXX XXXX to ask why the payment was rejected and was told it had to do with my bank.I then made the payment over the phone. I again tried to pay a bill on XX/XX/XXXX for {$120.00} and again my payment was rejected.

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 06/24/2016 about Credit card () with DISCOVER BANK (GA).
Issue: Billing disputes

Complaint: As noted in the letter CFPB Case No. : XXXX, An offer was made to pay XXXX. However. Im rejecting this offfer on the grounds that I should have never been asked, to assume a debt of XXXX, ther card was issued to me with a debt of XXXX i was coierced into assume the debt by a discover rep who told me that discover would attach a lein on the property that I inherited, my credit report still shows a charge off of XXXX. I recently received a collection letter from XXXX to collect a debt of XXXX If Im offered a settelment to pay XXXX why does my credit report still reflect the the amount of XXXX. Im asking that you remove all references of this from my credit history with all XXXX major credit credit reporting agencies.I will excercise all my rights as a consumer in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Mortgage (Conventional fixed mortgage) with Rock Holdings Inc. (NY).
Issue: Settlement process and costs

Complaint: I purchased my brother 's XXXX interest in my residence. Unfortunately, a document, The Real Property Transfer Tax Return was filed late by Title Source XXXX XXXX XXXX XXXX, MI XXXX, titlesource.com with the XXXX Department of Finance. I have been fined for this late filing {$110.00}. The transfer date was XXXX XXXX, 2016. The form was filed with XXXX Department of Finance on XXXX XXXX, 2016. I would like to be reimbursed for the {$110.00} which I had to pay.

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 12-06-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: I FINALLY FOUND OUT THE TRUTH! In XXXX I was approved for a loan mod with Chase Bank. I completed making my 3 trial payments to Chase and in XXXX of XXXX I call ; ed to make my 4th payment and Chase told me I was transferred to XXXX and that I would have to call them. I called them and they said that I would have to start the mod process all over again. I was DEVASTATED!! I tried to get the mod through XXXX but their system is slow, unorganized and unpredictable. They tried to utilize the NPV tool and input my wrong income. I sent them a pay stubs making XXXX per month and they input I was making XXXX per month and denied me because of income. On another occasion they stated they did not receive documents from me, however, I sent them every document they asked me for and I have records of me sending all the docs, timely. 

My real BLESSING came last week when I called XXXX to plead my case and see if I could short sale instead of foreclosure. I spoke to XXXX in customer service. She opened the file and blew it apart. She went back to XXXX when the file was sent to XXXX. She read all the notes and found that Chase did not send the mod package to XXXX so they had no record of it. Furthermore, she found that by the time XXXX recieved my package was in XXXX and the docs for the mod had expired. That is when XXXX stated the docs were expired and because they did not have my signature they were not going to honor my mod. IT TOOK ME 4 YEARS and a girl named XXXX to finally help me. I had no idea what the issue was. I am asking that Chase and XXXX honor my modification and apologize for the inconvenience they have both caused.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: XXXX XXXX / Navient never calls to notify primary account holder of past due or issues with payments and calls my parents 10-20 times a day to get them to pay. I have deferment ongoing and if it falls off or renewal forms are lost/not received they will aggressively attempt to get payments from parents and I never know there is an issue with my deferment or forbearance until I hear that my parents have exhausted their bank accounts to get them to stop harassing them. 

I have attempted to resolve this with the BBB and they continued their practice.

Company response to consumer: Closed with explanation