milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was contacted by someone from Navient using an Ohio number asking me about a relative so they can relay information. 
When I said that I do know this person, and inquired about how exactly my information was obtained by them, the call was ended. 
The number was XXXX, the reps name was XXXX and he said he was from Navient formerly XXXX XXXX Help me find out how my information was discovered and to have this company never contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: I signed up with XXXX XXXX/XXXX/XXXX. After getting XXXX three times in two months from this gym I complained to the manager and they canceled my account and credited me the amount that was charged to my account. Over the past four years I have canceled my credit card and have been issue new cards with new numbers at least 2 times maybe more. I do this whenever their was a major data breach with any of the companies I have done business with. I typically to not go through my credit card statement with a fine tooth comb, I glance through it, making sure nothing major is sticking out every month. After the XXXX XXXX ordeal I decided looked at this month statement a lot closer and noticed I 'm being charged {$65.00} per month from XXXX XXXX. I contacted the gym to inquire about the charges. They were shocked I have been charged and advised me to contact my credit card company. I contacted my credit card company and this is what I was told. Regardless the amount of time I have canceled my card in the past few years and had new numbered card sent in its replacement if their was a merchant who has been charging me every month they will continue to allow this charge as a service to me regardless of the canceled card. If I have ever done any business with any company in the past with any of my canceled cards they will allow the charges to go through. ARE YOU KIDDING ME? 
What is the point of canceling the card? 
I was advised I should hire someone to go through my credit card statement every month if I 'm worried about the charges. 
Year to date for XXXX I have spent $ XXXX so far on this card I average $ XXXX a year on this card and pay it off every month. For me to go through every charge every month will take hours and hours of my time. 
The whole reason of canceling a card is to stop unauthorized charges form continuing to happen. I asked them to provide me the contract by where I agreed to allow them to allow charges to my canceled card. They do not have this agreement. 
I requested the agreement by where this merchant was allowed to charge my current account? They do not have this either.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have made many attempts to rectify this situation with the credit agencies and XXXX XXXX. This account does not belong to me. I have asked XXXX XXXX to send proof that this account belongs to me and they have failed to do that. I have submitted a FTC Fraud Affidavit to XXXX XXXX and they have failed to remove this account from my credit file. This account was not opened by me. This account is perhaps a mistake in identity or deliberate fraud. Please remove from my credit profile or provide me with proof that this account was opened by me.

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 07/21/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Seterus who is servicer for my loan. my monthly mortgage payment was {$2300.00} ( principal + interest ) paid on XXXX XXXX, but Seterus increased the payment to {$3000.00} due by XXXX XXXX in which they say escrow account added, but it is without my approval. 
I have asked customer service dept ( XXXX ) to remove escrow account on my loan verbally and in writing since XXXX XXXX, but they have not removed it until today. 
I never opened escrow account before, so I do not need to pay escrow amount in addition to original mortgage payment. it is their mistake and it should be corrected back to previous status and it is time sensitive matter but they gave me a false instruction and a lie so that I have n't got any corrected statement yet. 
1, 1st time call : XXXX XXXX, lady ( did n't get name ) advise me the will fix the problem, just ignore the bill statement with increased amount and I shall be given updated bill statement soon. but nothing happened 2. 2nd time call : XX/XX/XXXX, XXXX XXXX, told me that previous customer service agent did not do anything, so she was now making a special request for fixing the problem and advise me to wait until next week but nothing changed. 
.3. 3rd time call : XXXX XXXX, XXXX XXXX and XXXX XXXX ( supervisor ) told me that they can not handle this problem and I need to submit the request in writing to correspondence department XXXX. XXXX XXXX : I faxed the request and I have confirmation email from correspondence dept on XXXX XXXX XXXX. XXXX call : XXXX XXXX, XXXX XXXX, asking her to expedite the request so that I can just pay same amount as contract on next due but told me just wait until they respond to me. she said it will take one month. 
summary ; - it is seterus that made the problem, they should corrected this problem right away but customer service agent told me a false instruction causing to wasting of time - customer service agent said they can not handle escrow account issue and ask me to contact correspondence department directly through fax after 2 weeks of false instruction. 
- they said correspondence department will respond me within 30 days - but next due is XXXX XXXX and I just want to pay same amount as I always paid which is not with escrow account. 
- customer service agent asked me to just wait until correspondence dept answer and pay increased amount with escrow account which is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Money was not available when promised

Complaint: We send the money in XXXX but they still do n't receive the transfers with send on the XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I took out a loan from  XXXX   XXXX   XXXX . The loan and the auto purchased have both been absorbent. The car has had major mechanical problems since shortly after I purchased it.The car has been in the shop at l east 4-5 times a year. The expenses on the repairs in addition to being underemployed have caused me great difficulties. I contacted Citibank to explain my circumstance. They seemed to be understanding and told me that they the payment could be paid at the back end of the note among other options that were offered to assist. They were not upfront with me.  While I agreed to putting the payment on the back end, I was still being charged excessive fees in addition to late payments being reported.     I do not agree with the additional fees in addition to the late reports on my credit report. I am appalled that this is a car they would finance to begin with because the car was not in the condition that the dealership  XXXX   XXXX   XXXX   XXXX  claimed that it was.I have paid for this c  ar three times over and the car is not in working condition and I still have a balance of {$9300.00}.
I have been cheated with the purchase of the car and the loan company is mislea  ding. I really would like to have the excessive late fee 's removed and the late reports to be taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery calling me every day like seven times a day. My cell number is register to do not call service, but they keep calling from diferent telephone numbers. They already suit me, but they insisting and keep calling some times three times in a roll ... from XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I HAVE BEEN DEALING WITH THIS PROBLEM FOR A FEW YEARS NOW AND THEY CONTINUE TO HURT MY CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-12-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage foreclosed on my home, but as it turned out, XXXX XXXX was the owner of the note as the trustee for a securitized trust. I did not find this out until after the house was sold, due to my status as a surviving spouse. I was not given information about the loan, or loss mitigation options. I am not a signer on the loan, and my name was never on the title to the house. I just found out that I lost my appeal and I am worried about eviction again. I do not want to lose my home of 18 years. Although I think that I should be entitled to homestead rights in Ohio, I am at a loss as to how to go about doing that. It was very difficult to realize that at the local level none of the national servicing standards set by the CFPB were observed in spirit or in practice. The attorney representing the bank was the only witness in my case, and he either did not care enough to put the facts together or he just lied to the court to save time. Either way, when an officer of the court uses the weight of his credibility to achieve illegitimate results, it just adds to the growing sentiment that justice is not blind but it is deaf. 
I recently found the actual trust that my husband 's loan is in. It is credit enhanced. I learned that means it is protected with loan level insurance. That means that there was an insurance policy on this loan. Also, based on the terms of the loan, a adjustable rate 30 year balloon, interest only loan, no money down ; and the fact that my husband died less than 2 years after the loans consummation, i think that there was another policy, called lender 's payment insurance. why was n't i informed about this? I recieved a tax document from nationstar with a box called XXXX, which has an amount for nearly double the face value of the loan. According to their website, it is called the gross foreclosure price. There are other websites that describe this box as the total amount recieved for the loan. If they recieved more than they were asking from me to foreclose, why would they also be trying to evict me and sell the house? Is that right? 
Is n't that called double recovery? He died in 2009.

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 EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Debt was removed from my credit report after not being able to validate the debt as per my right to FCRA. Then re added back on there which is a direct violation of my FCRA. 

A consumer reporting agency shall provide to a consumer in writing, no later than 5 business days after the date of the reinsertion : ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information, and ; ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification and this is a serious violation of the FCRA. I am requesting that you furnish this information within 15 days. If you do not provide the information requested, you must delete ( this/these ) account ( s ) as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request. 
I request that these debts are removed immediately as they do not belong to me. 

I contacted the credit bureau and there was no validation provided XXXX from Equifax, XXXX XXXX, 2017 at XXXX provide any validation about the debt that is allegedly owed. I am extremely upset that my rights were violated and will attempt to take legal action of necessary. 
==

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter in the mail stating I owe {$1800.00} to Midland Funding and/or XXXX, with the original creditor being XXXX. I have NEVER had any account with XXXX, let alone even knew such a company existed. This is a completely fraudulent collection done by a company in plenty of legal hot water currently. Maybe they are fishing for 'free ' money from unsuspecting consumers by mailing out fraudulent collection notices to people. I demand both Midland Funding and XXXX to cease and desist with this fraudulent collection, or I WILL seek legal representation. A collection agency can not just send out these letters claiming people owe an exorbitant amount of money to them without any legitimacy and hoping uninformed people will just pay to protect their credit!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (MO).
Issue: Problems caused by my funds being low

Complaint: After I paid my credit card in full before the due date the bank still charged me interest saying it was due to the amount was for covering my bank account being short. I had already paid a {$15.00} fee. I believe that is unfair if the bill is paid before the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (VA mortgage) with LoanCare, LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Loan Care was servicing my mortgage for The XXXX XXXX who I have my mortgage with. Apparently, they severed their relationship and a notification was sent out that the address had changed to where I was to send my mortgage payment. I did not receive the correspondence and have continued to pay my mortgage electronically through my bank. This month XXXX XXXX 2015 ) I received a collection call from The XXXX XXXX for XXXX 's payment. I paid my mortgage payment on XXXX XXXX, 2015, and because of these XXXX companies terminating their relationship my check was cashed by Loan Care and they will not release my funds until I provide them proof of payment from my bank. How can an organization XXXX Loan Care XXXX cash a check that they knowingly shouldnt? Shouldnt they reject the payment? Now, I must take my time to fix these XXXX companies issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Other debt) with Torres Credit Services, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: i found a collection for {$240.00} on my credit report from TORRES. 
i was never once informed about this debt, and now it randomly appeared on my credit report as a collection. 
I believe this is a false report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: American Express XXXX Cash ... .states my balance online as Current Balance $ XXXX Credit $ XXXX Balance $ XXXX made a payment on XXXX day of new biling period ... not reflected in outstanding balance-this balance includes as though not paid and adds fees ( late & interest ) not due until end of billing statement..I contacted them XXXX times online chat they disconnected me each time. I called them first and they gave me argument over how it should be stated. This is false advertising for other credit agencies -- until they reduce the amount by at least my payment and is not truth in lending making it appear as though I did not pay past due or previous month!

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit card or prepaid card (Government benefit card) with Comerica (NY).
Issue: Unexpected or other fees

Complaint: On XXXX XXXX, 2017 a withdraw of {$700.00} was taken out my card from an ATM in another state. I called XXXX XXXX, and a woman by the name of XXXX took down my information she stopped the card and told me she will send a different card. XXXX was the one that told me where it was taken out of. XXXX was transferring me to level 2 to dispute the money, I was on hold for a few minutes the phone hangs up on her end. I try calling back and nothing its been hard. So now I do n't know what to do. I even called social security because the card was provided by them, but nothing all they told me was to call the card. That was my rent money and to buy groceries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/18/2017 about Debt collection (Mortgage debt) with Seterus, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Response from Seterus to complaint number XXXX was not satisfactory they need to supply proof as requested in my complaint number.
Summary judgment was not granted and there is a counter suit against Seterus for filing a fraudulent complaint.
I have no contract with Seterus.
They are lying through their teeth.

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 08-12-2015 about Debt collection (I do not know) with Focus Holding Company (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: put a collection on my credit report.. I do not owe this debt. I live in XXXX Carolina and this is supposedly from California. I reported the identity theft to the credit agencies. these XXXX 's will not remove this from my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed this account and asked for it to be verified and validated. I never received any proof of anything from credit bureau nor finance company.

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 05/25/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: Last year, I switched banks to Santander Bank because they were advertising the Extra XXXX checking in which they credited your savings account {$20.00} per month if you met certain activity requirements on the attached checking account. In radio ads, they clearly implied and stated it was not a limited time perk, but " forever ''. I again asked this when I opened the account and was told it would not be changed. In an XXXX XXXX letter I was informed they would be changing my checking account to a simply right checking effective XXXX XXXX, 2016. So now the {$240.00} per year perk has been eliminated. I feel this was an unfair and deceptive practice because I was clearly lead to believe this was n't going to be changed or a bait and switch tactic - which it clearly was for me and the thousands of other people who believed them.

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 09-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Last month this company received a check along with a letter from me to pay off a {$77.00} debt the had reported on my credit report. 
The letter specifically stated that they were to only cash the check if they would go on to delete the account from the credit report and if this was not acceptable to them they were to send me the check back. ( see attached copy of letter ) In addition, I had also write on the the check 's note section " cash only if you will delete account from credit report '' ( see attached copy of check ) The company violated the implied agreement and cashed my check and failed to delete the account on my credit report.

Company response to consumer: Closed with explanation