milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had disputed a XXXX acct of {$710.00} which I did not have ownership of. This account was with XXXX XXXX XXXX. This collection agency removed this account off my credit report with XXXX, XXXX and XXXX on XXXX/XXXX/16. On today, XXXX/XXXX/16 I received an alert from XXXX XXXX that I.C SYSTEM is reporting the exact same account-XXXX- {$710.00} to my credit report with an open date of XXXX/XXXX/16 and last reporting on XXXX/XXXX/16. it has been determined that this is NOT my account and never was. This agency is re-reporting this account after it had been removed from my credit report. I am aware that this is VERY ILLEGAL.

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 11/14/2016 about Mortgage (Conventional fixed mortgage) with American Financial Resources, Inc. (AZ).
Issue: Settlement process and costs

Complaint: On XXXX/XXXX/16, I submitted an online application to refinance our 1st and 2nd mortgages to reduce our APR and shorten the term of the loan from 30 years to 15 years. When the appraisal came back $ XXXX under estimate, we were presented with a couple of options to proceed. Since continuing 'as is ' would cost us {$270.00} add'l per month, we chose to increase our rate and use the excess funds ( originally intended to payoff the 2nd mtg ) to payoff cc debt and do some needed home improvements, saving $ XXXX in pmts and leaving us with some cash in the bank. I called to inquire about changing the loan details for the payoffs and was told we 'd receive the check anyway, so no changes were necessary. At closing, I confirmed with the notary that the check would be sent to our home address. I called title prior to closing to confirm that the check would be XXXX XXXX to our home address. We did not receive a check because eLend wired it to our XXXX and paid off our 2nd mtg - saving us ZERO in monthly expenses. We are still left with existing cc debt at $ XXXX, the add'l pmt for the XXXX at $ XXXX, outstanding home repairs, and no cash cushion in the bank. Had it been made clear that we would not be receiving the check for $ XXXX, we would not have included this in the refi, and would 've simply refi 'd the 1st mtg only. 
I feel that we were mislead, either by miscommunication or omission, with regard to the final steps of this loan process. Had the closing disclosures specified to whom the payoff would go ( ie : '2nd mortgage ' or XXXX & XXXX XXXX ' ) it would have been an easy correction to make when we signed with the notary and could 've easily rescinded and restructured the loan during the 3-day ROR period.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Credit reporting companies will not deleted wrong information.

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

Complaint: I 'VE BEEN WITH THIS SORRY BANK FOR 11 YEARS AND I HAVE NEVER HAVE XXXX MISSED OR BEEN LATE PAYMENT IN 10 YEARS. UP UNTIL RECENTLY I CLOSED MY BUSINESS AND HAVE BEEN EXPERIENCING SOME HARDSHIP. JUST RECENT I 'VE BEEN BEHIND ON XXXX PAYMENTS. I TRIED TO REQUEST A MODIFICATION ON MY LOAN BECAUSE I 'M EXPERIENCING HARDSHIP, AND TWICE I 'VE BEEN DENIED FOR REASONS THAT MAKE NO SENSE LIKE I 'M SHOWING A REVOLVING CREDIT CARD ON MY CREDIT THAT BY THE WAY HAS BEEN CLOSED FOR 5 MONTHS NOW!!! ALTHOUGH I 'VE SENT THEM DOCUMENTS SHOWING THAT THE CREDIT CARD IS CLOSED THEY STILL REFUSE TO HELP ME OUT IN MY HARD TIMES. TO MAKE IT WORSE I GOT CAUGHT UP IN A INTEREST ONLY LOAN AT XXXX XXXX XXXX AND NOW 10 YEARS LATER, I 'VE PAID OVER $ 120XXXX TOWARD INTEREST ONLY, WITH ONLY {$10.00} GOING TOWARDS MY PRINCIPLE BALANCE. XXXX THEY WO N'T LET ME GET OUT OF MY LOAN, THEY WANT TO FORCE ME OUT OF MY HOME BY SENDING ME OTHER OPTIONS LIKE SHORT SALE, ETC. I WOULD NEVER EVER RECOMMEND ANYONE TO APPLY FOR A MORTGAGE LOAN WITH THIS SORRY BANK!!!

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 03-09-2018 about Payday loan, title loan, or personal loan (Installment loan) with SECURITY FINANCE CORP (TN).
Issue: Struggling to pay your loan

Complaint: I filed a complaint with customer relations : XXXX yesterday on XX/XX/2018 I requested a cease and desist on my account and the CSR stated that it would be put through. 
I have received three phone calls from workers ( XXXX and XXXX ) from the XXXX office. They have called from their personal numbers : XXXX on XX/XX/18 I returned the first call and the collector answered " Hello '' instead of the Security finance greeting that they state when you call the actual office XXXX On XX/XX/18 I have received two calls from the following cellphone numbers XXXX missed call XXXX / returned call XXXX : pm I missed the call and called the number back Woman on the phone was real nasty with me stating that she didn't call me and that I must have missed dialed. This was the same woman from security finance. she stated that I should " pay my bill then '' the second call came from XXXX missed XXXX am / returned call XXXX another woman on the phone laughed and was very rude stating they are going to submit my account for wage garnishment. They are rude to me whenever they call or I make a payment and I will not stand for it.

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 08/18/2016 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: This debt collection agency is pretending to be a Law Firm, and has called harrassing me and friends and family. They even give a docket number threatening to show up at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: filed online dispute and unable to access 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 08/13/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (PA).
Issue: Wrong amount charged or received

Complaint: I am filing this complaint regarding Pay Pal. 
The fees they charge for a seller on ebay are not transparent. They are hidden, and difficult to find. For the casual individual selling something on Ebay, it is very tricky. 

1. When you receive payment from a buyer through Pay Pal, you receive an email from Pay Pal saying that you received a payment of, for example {$100.00} from a particular buyer. There is no mention of fees being taken out by PayPal. If you go to your Pay Pal account ( using the Pay Pal phone application ) there is no reference at all to fees anywhere on the site. When you look at your personal activity ledger, it will show, for example for the fictional transaction above, that your account was credited approximately {$97.00}. There is no reference, even in the details of the transaction report, to the 2.9 % plus {$0.00} in fees that Pay Pal removes from what the buyer paid. The smaller amount just shows up in your account. This seems to me obviously designed to make it difficult to see the fees, and to make it likely that many people will overlook the fact that fees are being taken out of the account. If you just go by the emails you receive from PayPal, you will one day look at your account and find significantly less money than you expected. Pay Pal should be required to show the fees they are taking in the emails and phone application account activity. Anything less is deceptive and misleading. 

2. The PayPal website is better on this, but only slightly. If you go to the Pay Pal website, and have not signed in, then if you scroll to the very bottom of the page, you will see a small word " fees. '' If you click on that you get information on seller fees. However, once you log in to the pay pal site -- which most people do immediately and automatically -- then the fees information disappears!! In other words, once you log in, you can not get information on fees!! Obviously designed to hide information from Pay Pal users. 
On the website, in your one 's personal account, you see nothing about fees in the listing of transactions. Only when you click on the details of an individual account do you see the actual calculation : the money sent by the buyer, and the amount extracted by Pay Pal. 

The above represents classic tactics to hide the amount and taking of fees from Pay Pal users. Obviously, the intrepid and careful user ( who does n't log in ) can find the information. But Pay Pal has designed its system to hide this information from the user who uses Pay Pal 's phone application ( no information about fees at all, and misleading account information ), and even on the Pay Pal website the fees are unnecessarily hidden. Pay Pal is a huge company. With millions of users, they are able to make quite a bit of money out of these deceptive practices. This is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with SYNCHRONY FINANCIAL (SC).
Issue: Closing/Cancelling account

Complaint: I have a XXXX Visa Card serviced though XXXX Bank. I always payment my statements as soon as they come due. One day, I noticed that the account number on my statement was not right a few days later another statement came. It ends up there are two seperate accounts open in my name. I have made payments on both account in the past by mistake. I have called the bank and tried to explain the situation and was treated very rudely. I have had my attorney contact them and notify them that we dispute the second account and that it must have been opened fraudently. The amount due is fairly trivial, I just want the account closed before whoever opened it tries to use it again. XXXX has been very uncooperative with both me and my attorney. They have sent my attorney a packet of statements, with crudely scribbled notes on them, which actually indicated 3 accounts were open, when questioned, they said it was an error and only two accounts were open, but still they have not closed the fraudulently opened account. We are elderly and I feel that I am being taken advantage of.

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 08/14/2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have filed for a loan modification and was just recently informed that it was denied because I took to long and did n't have the money to make the 31 % money in excess. Now I have been waiting for a period of over a month to be told that my paperwork was put in late but I went through a credit counseling agency that looked over all the paperwork, submitted for me. If it was n't for the mortgage company taking their grand old time telling me over and over I was missing documents, the paperwork would have been out arrived in time and they never mentioned that to the credit agency that submitted the paperwork. 
For the last month I called and was kept being told it was in review. However on XXXX XXXX I was told it was denied. The practices of this mortgage company to me are morally dishonest because they said if I came up with XXXX dollars then they would work with me. 
None of these do called programs have been able to help me and my wife and I are both XXXX and now will be evicted from our home. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX XXXXXXXXXXXX could help us, I find that totally unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: allied interstate is saying that I owe XXXX {$50.00}. I called XXXX they told me they do not use allied interstate for collecting a debt, it was a scam, I do not owe XXXX anything on my account, emailed allied interstate and told them this and they said they would stop, this was back in XX/XX/XXXX, now I am getting phone calls, and a letter saying that there client is willing to accept {$25.00}. they want me to mail payment to them, allied interstate llc XXXX XXXX XXXX, XXXX, oh,XXXX I do not owe XXXX anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2017 about Mortgage (Conventional home mortgage) with CITIZENS FIRST WHOLESALES MORTGAGE (SC).
Issue: Trouble during payment process

Complaint: I recently had my old mortgage lender ( XXXX XXXX XXXX XXXX, IL ) sell my home loan to Citizens First Wholesale Mortgage Co. Their address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and phone is XXXX. We have tried several times in XXXX XXXX to get in touch with Citizens First about taking an automatic draft payment from our checking account every month as XXXX XXXX did. They never returned our calls for a couple weeks so we kept calling them back. Finally they did say the first month they needed a check so we sent them XXXX for XXXX. After that they would set up our payment to come out on the XXXX of every month. As of XXXX XXXX our payment of XXXX has still not come out. My husband called last week to find out what was going on and they said they transposed some numbers and our payment would be automatically drafted out in a couple of days. He spoke with someone named XXXX XXXX  week later it still has n't come out. I called them this morning to find out again why it was so difficult to take our money and I do n't want to have any late charges against me. An answering service answered and said they are not accepting calls and lots of other people are mad that no one has returned their calls either. This is crazy that I ca n't get the mortgage company to take my money, do what they say or not even be able to speak with someone from Citizens First now about my mortgage. I am worried about them trying to charge me late fees or having to pay a mortgage payment twice. What kind of fly by night operation is this?

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 10/21/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: I have sent two dispute letters to Santander re an account marked " charged off ''. Both times they failed to mark my account " disputed '' within the 30 day time period allowed by the Fair Credit Reporting Act Section 623 ( a ) ( 3 ). I have USPS certified proof of the date they received my dispute letters as well as dated copies of my credit reports showing nothing about a dispute in the remarks section. They have broken the law and this is my last attempt to avoid small claims court. This is a company with hundreds of complaints against them. They are rude, disorganized and are constantly lying to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XX/XX/XXXX I received a request from Capital One credit card to fax my social security card because my account had invalid information. From XX/XX/XXXX to XX/XX/XXXX, I have faxed my social security card to several different fax numbers, supposedly at Capital One, and as of XX/XX/XXXX, was asked again to FAX the information to them as their file had Invalid Information ( whatever that means ). I advised each caller, and there were many since XX/XX/XXXX, that Faxing my social security card was not safe but I did fax it a total of 5 TIMES TO THEM. I have requested a final statement from them and to cancel my credit card with them effective XX/XX/XXXX and that I was reporting them for bad business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Original loan amount {$2300.00}. yes just {$2300.00}. 
collected to date directly out of my social security {$4000.00}. 
and they still want another {$1000.00}. and continue to add what appear to be made up charges. 
When is this morally wrong? 
{$4000.00} minus original {$2300.00} equals {$1700.00} profit, but they still want another $ XXXX+ Collecting over XXXX %? How can this be legal?

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Medical debt) with Pioneer Capital Solutions Inc (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This should not be in my credit report. This collection agency reported this to the  XXXX  credit bureaus and they should not be in my credit report and I do not owe  Pioneer Capital Solution anything I want them provide me of contract a sign with th em.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: COLLECTION CONSULTANTS is reporting inaccurate & erroneous information on my credit report. On XXXX XXXX, 2015 I disputed these accounts to all the XXXX major credit bureaus. I requested verification & validation of the debt based on the FDCPA & FCRA. Seeing these accounts had already been paid to the alleged company through my insurance I knew they would be removed immediately. However COLLECTION CONSULTANTS claiming they are accurate. I 've sent COLLECTION CONSULTANTS direct disputes requesting validation of the debt & they have refused to respond to my request. I would like these accounts removed immediately & monetary relief for reporting inaccurate information & not adhering the FDCPA & FCRA. Currently they 're reporting the inaccurate information on both XXXX & XXXX. Since each violation carries {$1000.00} fine, I would like {$4000.00} ( which is only half of what I could legally receive through a court hearing ) & the accounts removed from my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a conventional loan with Nationstar mortgage. I 'm selling my house and need a payoff quote for XX/XX/XXXX. They continue to send me payoff amounts for XX/XX/XXXX insisting they are incapable of calculating the amount for today. They tried to tell me I can calculate the amount myself and send it to them, or send their amount and request a refund. I explained I do n't want to and them {$600.00} extra and wait 4-6 weeks for a refund. They continue to insist their system can not calculate this amount. Totally unacceptable service.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Medical) with Southern Oregon Credit Service, Inc. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recently got divorced from XXXX XXXX XXXX XXXX after 19 years of marriage.. I have documentation stating he was supposed to take all his debt and I was to take mine which was minimal and mostly doctors bills. Please look over all accounts and verify I am not paying any of his debt. As I walked away with the clothes on my back and nothing else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (Credit card) with Second Round Limited Partnership (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This creditor called " XXXX '', say that i owe them XXXX dollars of items that i have no idea what they are talking about, and it happen XX/XX/XXXX -XX/XX/XXXX i have know idea who stole me Identity was stole about that time dealing with a Tax issues thats the only time that i knew of any Idenitiy fraud. So debt collector called Second Round LP send a statement of payment to me thats when i contacted Bureau of Consumer Financial.

Company response to consumer: Closed
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: XXXX   These are not my accounts and I would like to remove them all thank you.     XXXX     XXXX     XXXX    XXXX   XXXX   XXXX   XXXX    XXXX    XXXX    XXXX    XXXX  #  XXXX    XXXX   XXXX   XXXX   #  XXXX    XXXX   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 11/13/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: The name of the company is Santander consumer USA, and my car was flooded my insurance company issued a pay off and it didnt help at all. I owe more after paying an additional {$1800.00} Im a victim of hurricane XXXX, and I am still homeless and they want money I dont have. They charge 18 % interest rate even after the vehicle is just gone it would be different if I had the vehicle or the title or something because I could use a salvage title or have it salvaged or something to pay them off but no they have the vehicle It seems to me that Im going to be paying forever

Company response to consumer: Closed with monetary relief