milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2017 about Debt collection (Federal student loan debt) with Student Loan Care, LLC (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This is XXXX XXXX I have been dealing with XXXX XXXX and now have Student Loan Care llc contacting me from XXXX XXXX XXXX to say I 'm passed due and need to pay XXXX $ or my account will cancel. Once cancelled they will have to report XXXX $ on my credit that I will have to pay back. I consolidated my student loans a few months back in XXXX 2017 and did n't realize this company was n't in charge of my real student loans just the " interests '' and would help with my total amount. I signed a document for them to get auto payments until they had 3 payments of XXXX. Now that my bank has stopped payments when I found out I 'm getting calls like this ... <P/><P/>Hi this message is for XXXX XXXX my name is XXXX calling from sitting OK I a.m. calling in regards to a notification received by _____. Since it looks like you have missed ___ see payments your account balance with them is {$130.00} if payment is not received by tomorrow Friday XX/XX/XXXX your account will be place of the charge off with that means is that the account will be canceled. Since I would be marked um and negative on your credit report and you would have XXXX full him some of the {$1400.00} and one of them um you can please give me a call back at XXXX that is my direct line or you can send a response to the email or text message talk to you then bye-bye They are also texting me back after my bank stopped their automatic payments. XXXX who handle my student loans said twice that they were not a real company and nothing I pay them goes to my student loans and that I Was scammed. The number texting me was XXXX XXXX XXXX ... <P/><P/><P/><P/>1 ) Your account with XXXX XXXX has become past due. To avoid additional fees please give me a call within 24 hours at XXXX. Failure to r 2 ) espond with 24 hours, may result in negative credit and suspension of your enrollment with Student Loan Care LLC.
<P/>
Scammers Sir we have submitted a consolidation on your behalf. <P/><P/><P/><P/><P/><P/>I have left a message with my attorney generals office in case what I signed they can put on my credit. Any advice would be great! <P/><P/>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Our loan was modified. We made all the trial payments needed. They came back to us and said they were sorry they made a mistake. We appealed it and then they came back and said they would honor the {$1800.00} payment but we had to pay {$5600.00} in a few days. We asked for more time but they said no. We appealed and was told to do nothing until they reached a conclusion. They told us to make XXXX 2015 payment which we did. They sent us new modification papers which only stated we had to pay the {$1800.00} and nothing else. We signed and notorized them and sent them back. They executed them and sent us copies. I made the XXXX payment on time and today XXXX/XXXX/15 they returned my money and said they want {$6100.00} by XXXX XXXX ( 4 days ) and also pay {$2900.00} for 6 months before we can pay the {$1800.00}. They said our modification was no longer good. I do n't feel what they are doing is right. Can you please help to straighten out this mess. We do n't want to lose our house over this because they are not taking our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: My daughter opened a fraudulent credit card account in my wife 's name and attached it to our bank account. It was open from  XXXX   XXXX  until  XXXX   XXXX . Chase bank is doing very little to help us. We have filed a police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2017 about Debt collection (Other debt) with ProCollect, Inc (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've recently pulled my credit report, because I 'm in the process of purchasing a home. When looking over my credit report, I noticed a debt that I have absolutely no knowledge of. This company is claiming that I owe them {$2600.00}. I have never heard of this company nor do I have a contract with this company. I DEMAND that this company properly validate this debt, bearing a signature stating that I agreed to owing this debt or a signed contract agreement. If this company ca n't provide the proper signed documents to validate this debt then I DEMAND that this debt be REMOVED from my credit reports.

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 12-04-2017 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Struggling to pay mortgage

Complaint: Dear..ma am or sir. Imsending this e mail..because i feel my application for modification wasn t..handled in a fair and just manner ... i was told i sas denied the modification because they didn t receive all my documents..i was never notified about the modification being denied or the foreclosure or the sale of my property..until.another party came to my property and told my tenants not to communicate with me and mot to pay me any rent they currently not accepting any documents..or giving me a chance to redeem my property my name is XXXX XXXX loan # XXXX the address XXXX XXXX XXXX XXXX XXXX XXXX ph XXXX XXXX XXXX your urgent response to this matter would be greatly appreciated. Sincerely..

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (PA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX PennyMac USA paid the incorrect tax liability to the City of XXXX. They paid the amount of {$3600.00} when the total tax liability due was only {$1000.00} ; meaning a {$2600.00} refund was due. Upon learning of the error I called PennyMac in early XX/XX/XXXX. The representative and I spoke with the XXXX Revenue Department and it was confirmed that it was an error on PennyMac 's side. It was stated that PennyMac needed to request the funds and provide the cancelled check and the refund would be provided within 6-8 weeks. 

4 months later in XX/XX/XXXX the issue still had not been resolved. I called PennyMac again in XX/XX/XXXX. They did not follow through with the initial request so a second request was created. I followed up again on XX/XX/XXXX and this time spoke to a supervisor who could not provide any more information on why the refund process was not occurring or provide any timetable to rectify the issue. I also spoke with the XXXX Revenue Department on XX/XX/XXXX which outlined the simple process and stated they had no record of PennyMac requesting the refund. 

Now my mortgage is coming up for reassessment in XX/XX/XXXX and  with such a large negative balance in my escrow my monthly payments will likely increase. It 's unfair that I as the consumer have to take the burden of mistake made by mortgage holder.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I have been yelled at and threatened today by an employee in Credit Card services after I requested to speak with a manager. My credit card has not been working properly and I 've jumped through hoops to get the problem worked out. When the card does n't work properly I call USAA they in turn tell me to try again having FULL knowledge that after a 3rd attempt it blocks and disables the card. Then it Flags the FRAUD department. Afterwards I ca n't use the card for several days and requesting a manager is Impossible if you expect a call back. I have patronized this once wonderful company and I 've only received 2 manager call backs in a 7 year period, after requesting it mor than 27 times. I want the CEO to receive this complaint and have someone competent communicate with me that does n't not fall into the Philosphy that the company is always right. Screaming and yelling and threatening a customer will get the response that a company should want to avoid. I have proof of the representative being condescending, threatening and truly unprofessional. This is the company supporting our Veterans and military that defends our beautiful country. Sad commentary

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX has placed the account multiple times to different agencies for the debt I did not owe. I have already settled this account with XXXX different collection agencies 1 ) XXXX for {$56.00} on XX/XX/XXXX and 2 ) XXXX on XX/XX/XXXX for {$56.00}. The same account is now again placed with DCI for {$39.00}. I wrote to DCI that I do not owe this debt but despite my letter, they have placed this account with credit reporting companies. My multiple request to XXXX XXXX XXXX to justify why they have this past due account did not come with any information or justification. There seems to be various account numbers on these debts and all refer to my phone number XXXX which is being paid every month. 

I need your help to sort this matter with XXXX and their collection agencies which are cheating customers to pay of debts not owed to them. 

Please let me know if you need more information. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have been experiencing the effects of identity theft since 2015 when my wallet was stolen, along with my social security card, and license, and credit cards. All my personal information essentially. 

I noticed on my credit report recently an account " XXXX Delaware '' It shows that XXXX is due. This is not my credit card, i have not ever applied for a Barclay Credit card, nor did i even notice this account was on my reports. To top that off, it has now shown as derogatory " Charge Off ''. I tried to call XXXX Several times, i even advised them the last 3 times i have called that there is a mistake. This is not my credit card, i have not ever applied for a credit card with their company and that this was opened fraudulently. I advised them i want this removed immediately, as i have already reported this in my FTC Report as identity theft. 

The rep on the phone at Barclay customer service said she would transfer me to the fraud department, that there is nothing she can do. So she transferred me and i was on hold for another 10 minutes. The fraud rep comes on the phone verifies my name, social security number. Then says please hold i need to transfer you i can not assist you with this account. I advised the rep that this is what i am calling about THIS IS NOT MY ACCOUNT. I told her i have been experiencing identity theft and have proof that this is not mine, and then proceeded to even tell her i will send them the report from the FTC. She just told me she doesn't care and that they can't assist me. She then immediately transfers me to some collection agency, which told me to call XXXX back and that they would mark the account fraudulent but there is nothing they can do. 

So i need further assistance getting this removed from all three credit bureaus and also remove my liability from this card since i never opened a card with barclay ever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello : I took out private student loans during my XXXX. The loans went into default during a time I was not able to afford the payments. However, I have been diligently making monthly payments almost 1.5 years. However, the entity ( XXXX XXXX n/k/a Navient ) still reports each month on my credit report that I have a past due balance. I have worked out a payment plan over a year ago and have been making payments. Why are they allowed to report to the credit bureau that I have past due balances as if I am not making payments pursuant to a payment plan. This is causing me substantial problems and it is drastically keeping my credit score down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX violated 15 U.S. Code Section 1692 the Fair Debt Collection Practices Act, they are not a creditor they are a debt collector. 
XXXX XXXX, XXXX a complaint was submitted with Consumer Financial Protective Bureau Case number : XXXX for that violation ; They also violated 18 U.S. Code Chapter 63 - MAIL FRAUD AND OTHER FRAUD ; 18 U.S. Code 1341 - Frauds and swindles ; Received a XXXX for Principal Dwelling Note Account Number XXXX postmarked 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 10-12-2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (MN).
Issue: Billing statement

Complaint: I had a First Bankcard ( XXXX ) credit card that apparently has changed to a Union Bank credit card in the last couple of months. I was only notified of this change after it occurred and I received a new Union Bank credit card in the mail. I have since had alarming communications from Union Bank that I was told yesterday by Union Bank customer service representative did not come from Union Bank ( even though it appears that they did ). I have received two mailed notices from Union Bank that my account is past due, despite the fact that I made regular, automatic, online payments. When I called customer service, at first I was told that the system changed and that the online payments were abruptly cancelled without any notice to me. I was ( and still am ) unable to login in to Union Bank 's website ( nor am I able to login to First Bankcard 's website ) and in three calls to their customer service line I have been told that there is nothing they can do to help me. ( Indeed, there has been an acknowledgement that I am unable to login and an absolute refusal to remedy the situation. ) This has made me extremely suspicious. Even though I ca n't access my account online and I have not received paper statements for the last two months, I received two fraudulent past due notices. The only way I can check on the status of my account is to call the alleged customer service number on the back of my Union Bank credit card. When on called on XXXX XXXX, I was told that I had a payment due, which I made over the phone. The customer service representative ( on XXXX XXXX ) asked for my full social security number, which raised more alarm bells. After I made this payment, I received another past due notice yesterday, dated XXXX XXXX, saying that my account was 47 days past due, despite two payments made during this time period. The letter contained a " collections '' number that I called and immediately got hold music with no answer and no identifying information. I then called the number on my credit card and was told that my account was current and there was no record that anyone at Union Bank has ever sent past due notices. 
I am very concerned that Union Bank has either mishandled my personal and financial information in such a way that I am being targeted by fraudsters, or that Union Bank is so inept at managing my information that they are unable to send me accurate information regarding my account. I am in the process of closing the account and have registered complaints to Union Bank 's customer service and fraud departments. I have received no communication regarding the status of my account in response to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid off ALLIANCEONE account still showing up as open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2015 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Advance America contracted a company to collect this debt. The company called my wife 's phone 5 times in a row, and then called my employer repeatedly as well. My wife called back, and she was told they would be arresting me. My wife was anxious and in tears. I called back and spoke with XXXX. XXXX was verbally abusive, and swore at me. I mentioned his tactics being a violation to FDCPA and that I would file a complaint with CFPB. XXXX said to shove the FDCPA up my XXXX, and he 'll file it for me. He called from XXXX, and told me to go to Advance America and pay now, or my XXXX was going to jail.

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 05/28/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I really thought i was going to get some type of help finally! My rights are being abuse by greentree! For XXXX months, ive been harrassed, conned, volilated.I 'm being robbed. I 'm asking for help again. I ca n't put nothing to the princible of my house without it being stolen from me.They are still calling my wifes phone, my phone, coming to my house as of yesterday with these intimidation tactics.My rights are being volilated in more ways then one. My address is still they same! They are not putting anything in writing, just asking for money with phone calls and house visits. Only thing i get in the mail from them is XXXX 2 monthly statements in the past XXXX months telling me i owe thousands of dollars with bogus legal fees.What am i suppose to do? They are trying to scare me out my house.harrass to the point that i give up.Again nothing in writing, just house visits and nasty phone calls. I have told them on a number of ocasions to dessist and desseest! The calls wont stop! They know i ca n't afford no attorney, being i 'm XXXX. They know that! I 'm looking for class action suits against these giants! I 'm so XXXX out over this. I 'm not in good health and i know i 'm not the only person going thru this. Its taken alot out of me and my family. i just want to pay for this house and live the american dream for the time i have left. I know you all are still invetigating. is there any kind of way to stop the from all the harrassing me and my wife and stopping them from coming to my house? Anything they have to talk about can come in the mail. I 'm still paying my monthly morgage every month with every reciept. They still trying to raise my fix rate morgage! It already went up XXXX dollars more. Now they trying to raise it another XXXX dollars more. I need help! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (ND).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was sold to Freedom Mortgage on XXXX XXXX, XXXX. I was notified in mid XXXX. Upon notification I called Freedom Mortgage to request that they pay my XXXX RE taxes from my escrow balance before XXXX XXXX so I would be able to deduct the payment on my XXXX tax return. They said they would not do it. I made several attempt to resolve this and finally was told my a supervisor named XXXX XXXX that if I personally paid my taxes that an escrow analysis would be performed upon confirmation from XXXX XXXX that the taxes have been paid and the funds would then be paid to me ; reimbursement by my escrow account held by Freedom Mortgage. I was concerned that I would not be reimbursed for many months but was assured by XXXX that the analysis would be performed promptly upon confirmation that my taxes were paid. This was late XXXX and I personally paid my taxes. XXXX would not give me her direct number or extension which I requested. I attempted to contact her by asking for her by name going through the customer service number. I was able to get through to her voice mail once and left her a message. XXXX did call me back and left me a voice mail but did not leave any information as to the status of my situation. I have XXXX other attempts to contact her and was refused by the agents to get transferred to her or her voice mail. I was told my XXXX of the agents that I would get a call back the next day regarding my situation. The call was never received. I called again today and again they refuse to transfer me to XXXX and that an escrow analysis would not be performed because Freedom Mortgage paid my RE taxes in early XXXX. So, a reimbursement would not be possible. Repeated requests to speak to XXXX were refused. The agent I am speaking to, as I write this, was able to get in contact with here while I was on hold but refused to transfer me to her or her voice mail. Horrible customer service experience as well as not following through with what they told me they were going to do. I am now at a loss as to how to resolve this. So, a timely reimbursement of my funds is now not an option.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling my job.They even told the receptionist I owe them.I have told them numerous times to stop calling me at work.The lady just laugh and continue to call.I am not to take personal calls at work.Inneed to have them stop before they put my job at risk

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2017 about Credit card () with NETSPEND CORPORATION (CA).
Issue: Unsolicited issuance of credit card

Complaint: I am XXXX. We received an unsolicited credit card for one of our students. She is a minor and did not request it. Her household also received an additional credit card, addressed to someone who does not live there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation