milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (MD).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Today XXXX/XXXX/XX/XX/2015, I contacted Stellar Recovery XXXX to resolve an acct my husband has outstanding. My call was directed to an employee named XXXX XXXX. Upon initiation of this call with XXXX XXXX I asked to see if a check had been received, that was sent out XXXX/XXXX/XX/XX/2015, to settle the acct in full. From the beginning XXXX XXXX tone was condescending and demeaning. He XXXX informed me the acct had been settled and then immediately retracted his statement saying that it was not settled because the company no longer handles the acct and any check received will be declined. He further stated, in his words " That 's why you should make payments over the phone when we call ''. I asked for clarification as to who now handles the acct now. He did not immediately relinquish this information, which then lead me to ask for his name and to speak to his supervisor. At this point XXXX XXXX began to berate me in a unprofessional/unwarranted tone. He told me a supervisor was not available to speak with. I then asked to speak to another employee, to which he did not agree but threatened to terminate to call. After approximately 5 minutes of back and forth with XXXX XXXX requesting to speak to another employee I informed him that I am 8 months pregnant and did not need any extra stress.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had account with XXXX I did a settlement and pay it in a full and as of today my account still active and on

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX # XXXX Has a account that I never received any documentation or proof of claim about this account. This is the second or third time I have had to deal with company. I would like to file another compliant to the FTC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was offered a Credit Card with no interest until XXXX of 2017. I was charged interest starting in XXXX of 2017. When I realized in XXXX that they were now charging me interest, I immediately paid off the card and asked for them to remove the interest charges. I 'm XXXX years old, an invalid, and my sole source of income is from Social Security. I got their card because there was no interest until XXXX of 2017.  Now they wo n't cooperate and remove the bogus interest charges. I closed the account and I plan on paying NOTHING more to Citibank. I 'm in contact with the Area On Aging 's lawyer and I am NOT paying those BOGUS interest charges.

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 04/24/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Student assistance corporation calls XXXX days a week XXXX or more tomes a day. I have asked them to stop calls and contact me thru mail, the advised they can call XXXX times day even if they talk to me in the morning they will call total of XXXX times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I went through a divorce 15 years ago. I was struggling to save my property, I contacted Navient, who advised me to miss 3 payments. I am ashamed of myself for not doing more homework and not contacting a financial consultant. I already had a low self esteem. They took advantage of me. I put my loans off for a year. I have never missed a payment and I am in good standings. I will never be able to pay my loans off. I am a teacher in a low income/minority district. The Department of Education encouraged me to file many forms with Navient to have some of my loans dismissed or reduced. Navient rejected my forms saying that my loan is to old. Through this process again I was misled and with every call was given different information. It was difficult to understand the english of the individuals I was talking with and it was difficult for them to understand me. I was always read a script, there was a time that I could rehearse it. The phone calls were very discouraging, always being placed on hold and difficult to get through and when you do, no one could comprehend each other. At one time I was told why would you apply for the ten year pay off plan, you can have it paid by then, but I ca n't. I truly feel that they rejected me from financial services because I am paying on time and they are benefiting from my interest. I have searched high and low for someone to listen to me, as Navient has clearly benefits from me and I am at their mercy. It is XXXX and embarrassing. I am ashamed of the burden I have put on my family. I would like to be apart of the Navient lawsuit. Not to mention the thousand calls I get a day from organizations telling me I qualify for programs to get my loans dismissed, the only person knowing of my loans is Navient, have they sold my information to these agencies wanting to charge me money to help me???? If so they are benefiting from my interest and my information selling it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have  a PayPal extra Mastercard credit car d. I 've had this account for close to 10 years and have always paid the full balance amount due on time - not the minimum payment but the entire full amount of each monthly bill. Last mon th (   XXXX   2017 ), I in advertently paid the total amount short by {$200.00}  ( out of approx. {$2300.00} ). W hen I received my statement for this month, there was an interest charge of {$24.00}. When I reviewed my payment and noticed that I had paid the total previous amount short by {$200.00}, I checked the interest calculation and came up with {$3.00} in interest for the unpaid {$200.00} ( vs. the {$24.00} on my statement ). I called the toll free number on the back of the card and asked them to explain the difference. They stated that I was being charged on the " average balance '' of all my charges since my last billing statement. When I asked why that was the case, when I only had a {$200.00} amount due from the previous month, they could not explain this in ANY sensible manner. I asked them to explicitly read the card agreement language that covered this calculation - which a supervisor attempted to do without ANY clarifying effect. I believe this interest rate calculation practice is either fraudulent, abusive or incredibly deceptive. I would ask someone to look into this and, at the very least, inform the general public on what it could mean to them.   I have a finance degree and have worked in the financial services industry for over 20 years - and this interest rate calculation was difficult for me to understand. If I can be " suckered '' out of {$21.00}, I CAN NOT imagine how many people in the general population are being abused by this credit card company. I have now closed my account w ith PayPal Extra Mastercard but  PLEASE DO SOMETHING TO INFORM OTHER PEOPLE ABOUT THIS and help them make better, more informed choices.

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 08-02-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NC).
Issue: Closing on a mortgage

Complaint: I went under contract to sell my home on XXXX-2017. Closing date, XXXX-2017. On XXXX-2017, the cclosing attornrey for the buyer sent my release of lender information form to Ditech to get the payoff for my mortgage. Ditech would not release the information to them. The closing attorney contacted my attorney. On XX/XX/XXXX, my attorney 's office was attempting to contact someone to get the payoff information for the next day. No response back. The next morning ( XX/XX/XXXX ) I was to sign my documents for the closing. My real estate agent and myself sat in the office while my attorney again attempted to get the payoff information. They said it would be 24 hrs. We contacted the closing attorney for the buyer and told them we were signed and the form would be there XX/XX/XXXX. They went ahead and signed everything except the final closing document which would be completed when the payoff came. LATE on XX/XX/XXXX the form came with the wrong name on it. We immediately contacted them to have it corrected. They said it would be Monday XX/XX/XXXX. It did not come. On XXXX-2017 my attorney called them and had to get a little nasty with them and they then told him it would be 10 days. This sale is needing to be completed and we ca n't get the payoff information.My attorney asked to talk to a supervisor and the legal dept and they would n't let him talk to either. Its been a week that we have n't been able to close. We need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (I do not know) with Receivable Asset Management (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Kramer & Associates has been contacted on two separate occasions and have told them that we do not know what debt the Collection Agency is referring. We even contacted the original creditor to try to understand what they are talking about. This Company refused to talk to me about the debt. I believe that is an attempt perpetrate a sham on our company.XXXX

Company response to consumer: Untimely response
Consumer complaint received 10/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received information concerning a debt.Unaware of debt never and contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Medical debt) with Credit Bureau of Bessemer, Inc (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I keep getting billed for hospital bills that belongs to my grandson I was not responsible for his bills and according to the dates he was an adult at the time please have these removed from my credit report they are not my bills and I am not responsible for them. thank you XXXX XXXX XXXX

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 06/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Credit determination

Complaint: Capital One did not update my new address or phone number correctly. They failed to call or send my statement for three months. The reason I found out was because I was denied a loan for purchase of car. I called Capital one, and they admitted the above and stated they would wave late fee, and contact the Credit people to update that the delinquency was their error. I paid the bill, and they said I have to follow up in 10 days. My question is will my credit be justified, and how long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Ove my lifetime I have had loans on XXXX homes all of which were paid off in full. My current home does not have a mortgage. I have also have had several credit cards on which I never carried a balance and car loans that were paid in full. Within the last ten years I had credit cards from a hotel chain and XXXX stores. I have since closed all of those accounts. As of now I pay all my household bills with automatic deductions from my debit card and also use the card for purchases. ( Visa XXXX XXXX XXXX XXXX ) My problem is that when I attempt to rent a car my Visa card is denied. I tried to get help from the credit reporting companies with no success. There is obviously something wrong with their reporting system.

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 07-11-2016 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (OH).
Issue: Application, originator, mortgage broker

Complaint: I was attempting to apply for a " partial release of real property '' with Stonegate Mortgage. I began by contacting them onXX/XX/2016.I was told by XXXX that I needed to do several things such as 1. get a new survey 2. appraisal 3. history of my mortgage payments 4. sales contract 5. tax information. I began to do these things. XXXX/XXXX/16 I talked to XXXX XXXX XXXX at Stonegate and was told I needed Form XXXX. He emailed me a copy of form XXXX that day. I continued to work on the application. On XX/XX/XXXX I talked to XXXX XXXX XXXX. He sent me a copy of the survey in their records of my property. I was also told for the first time that nothing would happen unless I sent a letter to Stonegate requesting the partial release. I sent a letter out that day. I also received an email from XXXX XXXX XXXX with a account of my payments to Stonegate Mortgage. On XXXX/XXXX/16 I had my package prepared except for the new survey which was completed on XXXX/XXXX/16. Now on XXXX/XXXX/16 Stonegate sent me an email that my loan was stating transferred on XXXX/XXXX/16. They could not do the partial release. The email also said I would receive a letter before XXXX/XXXX/16 advising me of my new servicer. I did not receive the letter by XXXX XXXX. I called XX/XX/XXXX and was told it would arrive within the week. I did not receive the letter today XXXX/XXXX/16. I called Stonegate and was told my loan would n't be transferred until XX/XX/XXXX. But they also could n't do the partial release either.I am waiting for a call back from a supervisor. I have this all documented. My loan number is XXXX. My phone number is XXXX. My buyer is getting very anxious as I am. It has been 5 monthe of runaround on this. Please help! Thank-you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing this information for months now. I had identity theft done to me with a macys account being opened up in my name. After months of investigation I received noticed from XXXX that the account is fraudulant and will be removed from the XXXX credit reporting companies. Yesterday I received a copy of my credit report from equifax and the results from the investigation on this macys account was ... .it has been verified as belonging to me. I do not understand how this is still reporting on my reports as I submitted a copy of the letter I received from XXXX fraud dept advising me that this account will be removed from my credit reports. Today I called equifax again and explained that this account should be deleted from my report. I was told that it is still reporting and they are waiting to hear back from the company. Last week when I called them I was told it was deleted and not on my report anymore. This is getting completely out of hand as I feel I am just being told anything and I have no idea if this account is on my report or if it is not on the report. I keep getting different stories. While I had them on the phone I brought up another issue in regards to my XXXX XXXX account that I submitted the letter I received from XXXX XXXX stating that the deragatory remark that is reporting as 1 payment late back in 2014 to be removed as this payment 2 years ago was NOT late. I have been requesting and disputing this XXXX account for months now as well. I explained to the customer service rep that this account should be reporting as accounts in " GOOD STANDING '' ... ..however it is still reporting as potentially negative. I want this information corrected because i am just getting all different stories and I feel this information is not being properly investiaged and the letters I am sending them as supporting documentation are just being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint with Select Portfolio Servicing is that they constantly keep asking for documents that were already submitted for a loan modification. When it gets close to the sale date for the house they denied the modification because they said it was close to the sales date. 
Property address XXXX XXXX XXXX XXXX XXXX, Fl XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (KY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I use XXXX XXXX to help budget but PNC does not like to release my recent transaction reports to allow me to actually use XXXX XXXX.

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
Consumer complaint received 02-05-2017 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX I sent an Error Resolution Notice Under XXXX XXXX XXXX by certified and regular mail. 
On XXXX XXXX, XXXX I received an answer from Citizens regarding a credit reporting and dispute inquiry that I had never made and/or claimed. 
ON XXXX XXXX, XXXX I sent a Citizens a wriiten inquiry regarding the XXXX XXXX, XXXX answer to my wriitten error inquiry. 
Citizens failed to acknowledge receipt of this inquiry with five days. 
Citizens failed to answer my XXXX XXXX, XXXX inquiry by 30-days. 
On XXXX XXXX, XXXX I sent a sent another written inquiry for failing to respond and request an immediately answer and the documentation in support of Citizens claim on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had originally established a repayment plan of which I had paid all but the last payment. The bank account I used to pay the account ( XXXX, had a security breach and cancelled a large percent of their customers cards due to the breach ). Because of this I had to resubmit the payment method to pay the last payment and complete the agreement, which I did. Then XXXX XXXX then did not withdraw the amount for the last payment on the agreed date. Upon realizing that the final payment was not made, I answered a collection call and spoke with a representative on XX/XX/XXXX. I explained the situation, she said that I could pay the last payment and it would be done. I was at work and did not have my debit card with me and took down her name, number and extension and told her I would contact her with the info from the card to complete the transaction. Upon calling the number I found that I could not reach her and was not able to complete the transaction. I then received a letter around the end of the following week stating that the agreement was cancelled and I now owed {$480.00} in place of the final {$48.00} payment. I contacted the number listed and was told there was nothing I could do, despite the previous efforts and attempts to pay my final payment and the company not following through on the agreed upon plan. I have tried to handle this issue with the XXXX XXXX and their inability to honor the agreement appears predatory and dishonest. They have had the new card information on file since I called it in, they had it when I was told I would have to resubmit it and they have not made any effort to mitigate their mistake of not charging the card on the agreed date before. I feel that due to their lack of responsible business practices that my debt should be considered " paid in full '' and utilize this case as an opportunity to better their employees or leadership actions to ensure that another person is n't subjected to several interruption incidences that create unneeded stress on someone who obviously is already under financial stress and trying to repay their debts.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because Transunion has ignored my request to provide me with their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX ( XXXX ) ( XXXX ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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