milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2016 about Debt collection (I do not know) with NORTHLAND GROUP INC (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In response to Case number : XXXX, Northland stated than an alleged account was " opened on or about XXXX XXXX, XXXX. I beg to differ. For one, XXXX did not come into existence until XXXX, with the merger of XXXX and XXXX banks. In XXXX, I had accounts with a different financial institution, which has NO RELATIONSHIP whatsoever with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2016 about Mortgage (VA mortgage) with HOMESTEAD FUNDING CORPORATION (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing a formal complaint against Homestead Funding Corporation and XXXX. I closed on my home through a VA XXXX on XXXX XXXX, XXXX, through Homestead Funding Corporation ( HFC ). HFC started using XXXX for servicing payments on my loan without notifying me in advance. I continued making payments on my mortgage. On XXXX XXXX, XXXX, I received a call randomly asking me where I want my payments for my mortgage. The caller claims her name is " XXXX '' and represents Homestead Funding Corporation. I voice that the call sounds like a phishing attempt as I have never received a call like this. XXXX threatens to return my payments without applying them to the loan. I voice my disagreement with her actions & voice my concerns that returning payments I have made on the loan without applying those payments to the mortgage sets a dangerous precedent. I asked to speak with XXXX 's supervisor, and she refused that request as well. I called XXXX later to confirm that my payments were being applied to the mortgage. A XXXX XXXX employee confirmed this information later that day. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that my loan is being transferred from Homestead Funding Corporation. XXXX 's letter makes no mention of XXXX XXXX, leading me to believe it is a phishing attempt. Also, XXXX XXXX, XXXX, I made a call to XXXX XXXX to discuss why a XXXX XXXX employee threatened to return payments and refused to get a supervisor on the phone during our call. The supervisor I spoke with confirmed " XXXX '' made the call on XXXX XXXX, XXXX, and confirmed he would review the XXXX XXXX phonecall. I asked what relationship XXXX has to XXXX. The supervisor confirmed that XXXX has a relationship to XXXX and confirmed that my loan was being transferred. I reminded the Supervisor that mortgage servicers are required to provide written notice at least 15 days before the effective date of the transfer. The supervisor retorted that the letters were sent out prior to the weekend and thus meet the 15 day requirement. The supervisor at XXXX did not have an answer for why I had received a notice of transfer from XXXX dated XXXX XXXX, XXXX, and yet XXXX failed to meet that 15 day deadline. In summary, my complaint names Homestead Funding Corporation, XXXX, and XXXX. My concern with XXXX is that my VA Loan is being set up to fail by a mortgage servicer with numerous complaints and XXXX ( XXXX ) star reviews on numerous websites. Finally, the pattern exhibited in my complaint consists of Homestead Funding Corporation and XXXX ignoring the laws set by RESPA and the FDCPA and failing to meet the requirements of providing written notice within the set timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian failed to remove the Hard Inquire obtained by XXXX on XXXX/XXXX/15 and XXXX/XXXX/15 by letter submitted by XXXX XXXX XXXX XXXX on XXXX/XXXX/15 ( XXXX, XXXXXXXXXXXX in which clearly explained XXXX decision to remove XXXX hard inquires obtained from my personal financial records kept by Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (Conventional fixed mortgage) with MIDFIRST BANK (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Prior to being discharged from our Chapter XXXX bankruptcy in XXXX XXXX, we have encountered nothing but problems with Midland Mortgage. Since XXXX, they have shown resistance to helping us. Only with the help of loan modification lawyers combined with our bankruptcy was some measure of relief provided for us. 
Upon receiving notification that our Mortgage Interest Rate and Payment were going up, we submitted a request for help on XXXX XXXX. After weeks of miscommunication and " submit these required documents '' -- of which they had already, and repeatedly received - we were told this morning, XXXX XXXX, that they could not help us as our income was too high. We repeated to the person on the phone that the income submitted had overtime included. Overtime is not guaranteed and their decision should stem from the base pay. 
Further, we were told that we would not be eligible for the HARP program unless we missed a payment, a sign of hardship. Since our records show we were current, we have essentially shown we are in not in a position of hardship. 
Midland has shown from the moment they took possession of our loan that they do n't care for us as homeowners. We are trying to get away from having to ruin our credit and save us from the hardship from the near {$4000.00} house payment on a single income. However, it 's clear to me they 're all too happy leading us to both those results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a very old account still listed on my credit file which is past the 7 year mark. I have disputed and requested verification and nothing has been received. This is not accurate and should not be listed. The original creditor even has removed

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Consumer Loan (Vehicle loan) with Friendly Finance Corporation (FL).
Issue: Problems when you are unable to pay

Complaint: I financed a vehicle through FRIENDLY FINANCE CORP. on XX/XX/XXXX. My spouse took the vehicle in our divorce. My ex-wife defaulted on the payment and the vehicle was repossessed sometime in XX/XX/XXXX. The original loan amount was around {$11000.00}. After the loan was charged-off a judgment was obtained against me in the amount {$8800.00} plus accrued interest in the amount of {$1400.00} with 22.9 % interest on the principal balance. I was notified of a garnishment order for this judgment by my employer. I did n't protest the garnishment due to the fact I knew I signed for the loan. FRIENDLY FINANCE garnished my wages from XX/XX/XXXX to XX/XX/XXXX for a total amount of {$14000.00}. I contacted the law firm handling my account on behalf of FRIENDLY FINANCE and was told my case was closed and the judgment had been satisfied. I believed this to be the end of this matter however in XX/XX/XXXX I received a noticed from an attorney representing FRIENDLY FINANCE regarding an outstanding balance of around {$3000.00} for the above auto loan. This time I was served noticed and went to court. FRIENDLY FINANCE was actually trying to obtain or transfer my default judgment from XXXX to XXXX. The judge in XXXX ruled the judgment was paid and that he would vacate the judgment. Now FRIENDLY FINANCE is falsely reporting this as charged off on my credit with a charged off balance of over {$6000.00}, which is incorrect. By my estimation I have paid over XXXX for this XXXX loan. I 'm still paying for this loan everyday due to the higher interest rates on loans term I receive due to this predatory lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have had several issues with Navient/XXXX XXXX over the years. Initially years ago they had two  accounts under my name because they made a typo with my SSN. This caused one of my loans not to appear under my actually SSN numbers and subsequently led to collections and an impact to my credit. Also, over the years I had been paying more than the minimum payment but found out later that the over payment was not being applied to principle. When asking their collections how I can get ahead online I was always given different responses. One being that this was not possible. I feel as if they intentionally make it difficult so that you are stuck in an endless cycle of debt. I also see that my interest rates have increased greatly. This is not manageable in anyway. I believe one of my loans had a fixed rate but it seems that was increased also. I am helpless here and need to figure out how I make a dent in these loans.I have no problem making payments, but I am not getting anywhere with these high interest rates and my inability to pay towards principle easily.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: RELATED TO CASE XXXX DATED XX/XX/2015 WELLS FARGO BANK. WELLS FARGO BANK, SERVICER AND REPORTEDLY LENDER XXXX XXXX XXXX HAS FRADULENTLY SOLD HOME.USAGE OF FABRICATED DEEDS. I REQUESTED DOCUMENTS OF SALE AND WAS REFUSED. I AM REQUESTING DOCUMENT TO VERIFY SALE WITH PROOF OF PURCHASER AND TITLE FOR NEW OWNER TO VERIFY REGRISTERY.

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 10/17/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have a few issues with the investigation that Equifax did. I sent them a letter stating some errors I saw on my credit report and their response was completely unacceptable. All throughout the letter they state, " We have verified this account as yours or belongs to you. '' never, in any part of my letter to them did I state that the mentioned accounts were not mine. Not only did I point out the errors but I made it clear that I was not disputing that the accounts were mine, only the missing information, and issues with the payment history. I do n't think that Equifax read my complaint at all! I ca n't believe that they would send me such a horrible response, I am genuinely concerned about my credit report and what is being reported on it and it is Equifax responsibility to make sure it is correct. I am demanding these be fixed and my complaint to be read by a real life, breathing, thinking human being so that my voice is heard.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent Central Credit Svs LLC a letter requesting back up for this debt - which I do not know what this is for.   They have also stated that  XXXX   XXXX   XXXX   XXXX   XXXX  has purchased the debt.   They responded with an invoice that has  XXXX  line stating emergency eval?? no idea what this means nothing else is included except for the fact it says Patient Portion due  XXXX  Past due amount  XXXX  They are continuing to send me the same letter stating this is " Back up '' for the debt owed I want this removed immediately from my credit report and for them to cease all communication/collection on this debt which states my portion is  XXXX  and if there is a debt owed please provide proper documentation.

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 01-11-2016 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (WV).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Calling at all hours, leaving rude unprofessional messages. Have attempted to use the web to view the debt in question they say I owe but their website goes to a dead link with no assistance. I would like to see the debt first, and they are not allowing me to see that information on paper opting to just call with no verification of debt owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2016 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by a Law Firm ( XXXX XXXX ) in regards to a debt owed to Capital One Bank. 
I immediately notified them that this was not my debt and that I would like verification. ( Proof of fax receipt enclosed ). They then sent me a copy of a Capitol One Statement with a name XXXX which I am not and have never used. Included was a typed letter with a notary stamp ( not raised ) that named not XXXX. But me with my address. I can only assume this is a deceptive practice used by this firm. 
I sent them another response stating that this was not my debt. They filed court action and I would not sign for the registered letter because it was addressed to XXXX. Shortly thereafter I received registered mail with the XXXX removed ; I can only believe this to again try to deceive me into paying a bill not owed. 
I have contacted Capitol One Bank at XXXX and after they asked my birth date and last XXXX I was told that it is not my debt. I asked for proof and they said they would not share that because it was not me they were collecting from. I told them about the suit being brought and the response was just tell them it is n't you. ( Conversation all on tape ) If I could find out that easily, I would expect a law firm to do the same. 
I was told by the superior court ( Docket No. ) that I have to pay court costs to respond to this phony lawsuit. 
I just received another letter in today 's mail ( XXXX ) telling me to pay the bill because I am being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife and I had XXXX internet for several years. We initially bought our modem when we began our service. We moved XX/XX/2015. XXXX XXXX XXXX send us a new modem that we did not need. The technician came to set up our new service and told us we needed to ship the new modem back. We kept the modem that we bought. XXXX XXXX XXXX at that point began charging us a rental fee each month even though we returned the modem. XX/XX/2015, we moved again and at that point ended our service with XXXX XXXX XXXX. We got a final bill saying that we owed them for the modem we were renting. Even though we sent it back. An XXXX XXXX XXXX representative reviewed our account and said that we were actually owed a refund for the rental charge they had been charging us monthly and we were wrongly charged for the non returned modem. They sent us a refund check. Weeks after this, we were still receiving a check saying that we owed approximately {$130.00} for the non returned modem and would be turned over to collections. At that point, I called XXXX XXXX XXXX back and another representative reviewed our account and admitted we were wrongly charged and this would be taken care. We kept receiving letters. I have been on the phone with XXXX XXXX XXXX over 4 times. We now have a collection agency calling us. We worked hard to get our credit scores above XXXX and this has really hurt us.

Company response to consumer: Closed
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Requested reports by clicking on annualcreditreport.com on Washington State Attorney General 's credit site. Requested report on annualcreditreport.com. Requested Equifax report. Made possible error. Did not select XXXX XXXX XXXX as my bank because as far as I know my bank is XXXX XXXX XXXX without the " XXXX ''. Then informed I could not get my report online and I had request a hard copy to be mailed to me. Called XXXX to get a copy. Only options are automated. Ca n't get operator by pressing " 0 ''. At the end of slogging through the data entry and/or voice entry ( half of which apparently could not be understood ), I pressed the wrong number when asked if I was the blind. When asked if I needed a report for the blind I pressed the key for " No ''. No confirmation from them so I am not sure what I will get from them. Next I went back to the annualcreditreport.com website and went to the " Contact Us '' page. No option for a phone call to a human so I requested the " Comment Form ''. Filled out the form saying I was not blind and want the report for people who can see. When the comment was submitted I got a reply saying " thank you for your comment '' so who knows if any action will be taken. I know I am not the only lousy typist out there. Others could easily be caught up in the unhelpful loop. It seems to me that this whole process was set up in a very unhelpful way. It is almost as if they set it up for requests to fail easily. I have seen much better process flows and options for error correction. Thank you. P.S. This was all online or by telephone so I have no documents.

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. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Thus far, the only unrecognized use of my information appears to have been roughly two weeks prior to today, on XXXX XXXX, 2017. While it seems to have been a harmless check ( perhaps perpetrators probing for viable accounts? ), I do not feel comfortable at the thought of my information having been exposed ( as reported to me by the company itself via their incident response website ) and demonstrated by this unauthorized credit action.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: NationStar Mortgage - XXXX, TX Mail : Notice of Error, Complaint, Request for Information or other Qualified Written Request Nationstar Mortgage XXXX. XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Web : MyNationstar.com This company took over my mortgage from XXXX and it has been terrible ever since. I have been fighting for resolution for almost a year and I 'm beyond fed up. 

XXXX 2015 the company took 2 mortgage payments from my account and caused over {$100.00} in bank fees! When I called I received multiple conflicting answers until I finally got my money for the actual payment, I have been fighting about the fees ever since. I have called, emailed, given feedback, and to no avail. I could go on and on, but I will bullet point my major concerns : *The reps are not well trained and give misinformation as well as conflicting responses. Sometimes they even act like you have n't called before! 
*I am told I will receive a callback after " further research '' and they do n't call back *After receiving the payment portion back I was told by a supervisor that I would see a check in the mail for the fees, but then it never came and now ( after speaking with several more people ) I am being told that I wo n't be getting refunded for the fees *The research department told one of the managers that I set up an auto-pay, which I did not, so I have asked for proof because they said they could see the IPs and they are refusing to send me documentation to take to a lawyer - which I ca n't afford in the first place - but I have asked several times for proof of this and told them I did not set up auto-pay because I do n't like giving up control of such a large chunk of my pay. I like paying it manually. 
*I consistently get " canned '' emails or letters that do not actually address the issue which furthers the frustration Struggling with this company has been the worst consumer experience of my life. I want to refinance somewhere else, but I know that once I am gone there really wo n't be a resolution to my issue. I am shocked at the terrible customer service, especially since I work for a financial institution myself ( investments and retirement ) and know how things should be done. This is just exhausting and really makes a person feel like the people at this company are crooks that are just taking advantage of people. Seeing all the bad reviews online only furthers my feelings and if I had been able to control the purchase of my loan, I would have told XXXX to never sell to Nationstar in order to protect their customers.

Company response to consumer: Closed with explanation