milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was approached last year (? ) for a debt that was not mine. ( originally XXXX or XXXX, ca n't find the debt collection name or other correspondence ) ) I filed a complaint with you then, and the issue went away. 

A company called Stellar Recovery, XXXX MT XXXX apparently acquired information and then filed that with Experian and they put it on my credit report. That dropped my rating from 826 to 650 or so. They never contacted me before doing this. 
I called them at XXXX. EST, XX/XX/2016 and told them this issue was settled with the prior company and that they need to correct immediately. Further, I am really XXXX that they would report this as an unpaid debt without even contacting me. I told them I will be reporting this to the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Taking out the loan or lease

Complaint: I had major issues with CASHCALL/XXXX This loan was taken out in XXXX 2011 but then it had issues and in XXXX of 2011 XXXX offered me a settlement which I tried to take multiple times but was ignored. They Wanted to settle for XXXX. The original loan was XXXX. My ex husband and I then filed chapter XXXX in XXXX 2011 paying 100 % to plan. Now that our BK is complete I notice that Cash CALL claimed XXXX on a loan that was owed XXXX!!! This is obscene. They stole almost XXXX from me and never responded to any of emails or phone calls on this..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: XXXX XXXX XXXX XXXX XXXX security XXXX Bank XXXX. Mortgage XXXX Bank of American Bank XXXX Bank XXXX XXXX XXXX case XXXX XXXX Customer service Group XXXX XXXX XXXX # XXXX XXXX Texas XXXX XXXX Saving and loan XXXX, failed closed in XXXX Home savings and loan XXXX XXXX bank XXXX XXXX Bank XXXX saving and loan Bank closed XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Fax XXXX. 

XXXX XXXX committed fraud, Fraud, forged deeds loan documents identity she put never Been married on XXXX XXXX my husband death certificate I was married to him 28 years

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 10-04-2016 about Mortgage (Conventional fixed mortgage) with OLD NATIONAL BANK (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage on a house XXXX. When I moved back XXXX, I rented out the house. After being denied the pay that was due me and being fired when I filed a lawsuit to collect, and a tenant that did not pay, I could no longer afford to keep the house. I also had to put my primary residence on the market. I stopped paying the mortgage in Wisconsin and contacted the lender. I requested to do a deed in lieu of foreclosure. I was told that they would not accept that if I did not put the house on the market. I finally talked them into considering it, but they sent me as much paperwork to complete as if I were buying a house. I spoke to them again and said that I did n't have everything they wanted and they said that they would not consider the deed in lieu without it. Someone contacted me to potentially buy the house on a short sale so I contacted the bank again. Same paperwork and they would not consider it without an offer in hand. The potential buyer did not want to go through the formal offer process without knowing that the bank would consider it. I still can not pay the mortgage and they will still not accept a deed in lieu and are moving forward with foreclosure. I now need to deal with their attorneys. I can not use the XXXX Foreclosure Mediation Program because it requires you to be there in person and I can not afford the trip.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Medical debt) with The Law Offices of Mitchell D. Bluhm & Associates (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: on XX/XX/XXXX I was informed that is law office was no longer interested in trying to collect this debt by XXXX. However, this situation started back in XX/XX/XXXX after I received a statement in the mail saying I owed this law office an amount of {$190.00}. So I called to see what was going on. they stated they were trying to collect a debt from XX/XX/XXXX. so this where I have an issue. The first issue arose, the debt the claiming I had was from XX/XX/XXXX, why now am I just getting a letter from a collection agency, two, I was very sick that year and all my debts had been paid either through my HSA account or via payment plan, third, I had the actually negotiated amount from the actual company that I settled an paid {$150.00} with in XX/XX/XXXX. After, going over that info with the agent, a review was suppose to be done on my account. Apparently, one was n't done. NOW this mess ... XXXX Another hit on my credit report and for what .... an attempt to frustrate the heck out of me ... well this time I will keep fighting and disputing. I think these agencies are a bunch of no good crooks that continue to find ways of pulling old settled debts into circulation. This must stop. So after calling and never getting through, I had an inquiry to hit and stated I had an hard hit right after XXXX, go figure. That 's when I called this office and was told they were n't any longer trying to collect on this account, so why would it go to my report? Straight foolery ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I opened a CitiGold bank account with Citibank on XXXX XXXX 2016 under a promotional code which offered XXXX ThankYou Points after I opened an account before XXXX XXXX 2016 and used Citibank 's bill pay system " during a calendar month and during the following calendar month '' per the message I received from XXXX XXXX on XXXX XXXX 2016 ( reference number XXXX ). I paid my XXXX credit card in XXXX and XXXX, so all requirements were met to satisfy the promotion. 
I sent a secure message on XXXX XXXX 2016 to verify all obligations had been met. XXXX XXXX XXXX confirmed all requirements had been met, via reference number XXXX. In the message from XXXX XXXX, I was promised XXXX ThankYou points would be received by XXXX XXXX 2016. I have not received the points.

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 04-06-2015 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: in XX/XX/XXXX we purchased a manuf home and obtained fha financing- to date- tax districts list prop as lot only- manuf home is still listed under previous owners. When i turned XXXX i was trying to apply for over XXXX exemption-this is when i was told they is not home listed on property. I recieved overage check from dovenmuehle for XXXX i contact them to let them know this was a mistake and i send the check back in XX/XX/XXXX this has never been resolved. In XX/XX/XXXX we were contact by attorneys from the XXXX law center asking us if we wanted to modify our mortgage- They asked us to send them all our information, paystubs, bank statement, and budget letter. We were told to send them XXXX mortgage payments and not contact Mortage company since they would be handling the modification. In XXXX is when we found out this was a scam and Dovenmuehle sent us a foreclosure notice, they were not aware of any modificiation. We then tried to work with them thru loss mitigation. We made application and sent them all the required information, in XX/XX/XXXX they asked for updated documents since they were more then 30 days old, then in XX/XX/XXXX, they asked for more, same in XXXX, We kept being put off with a reason that they were not able to clear title- they said there were judgement filed against us, this was not the case- it was that the title did not show subject as real property- at the same time this was all happening, we Received a law suit filed by County of XXXX for unpaid taxes for XX/XX/XXXX on the Mobile home for XXXX this include court fees and was still show previous owners name included in the law suit. We contacted Attorney and were told the only way to not lose home to unapid taxes was to file for Chapter XXXX BK, which we did, the we contact HUD who contacted Dovenmuehle to pay the taxes. They were also told that they needed to file the correct documents to get the manuf home listed as real property. This has never happened. Our mortgage has now been sold to XXXX other mortgage companies since then. Was sold to XXXX then XXXX XXXX and now XXXX XXXX XXXX hold our mortgage- Since we filed BK- no one at any of the mortgage companies will talk to us. We have fallen behind again since our payments have increased by XXXX due to shortgage of escrows. They will not allow us to make any payments unless we pay the full amount. We are just wanted our property to be taxed correctly and able to get a loan modification at a current rate in order not to lose our home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Balance transfer

Complaint: My ex-wife made balance transfers to her individual accounts in excess of {$5000.00} on XXXX of my credit cards during the six month period before commencing an action for divorce based upon NY provision that the relationship was irretrievably broken for six months prior to filing the action. These amounts have been charged off on my credit reports and my credit is ruined. I am unable to refinance my property awarded me through NY equitable distribution as a result of these balance transfers. The bank involved says that she was an authorized user on the credit cards, and that I benefitted from the transfers. Does n't the bank involved require my notification before allowing such large transfers to another credit card or issuing a direct check to the authorized user?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I  XXXX   XXXX  file this complaint against ACS Education Services as I have tried on several occasions to amend a wrongful credit reporting process that is 100 % untruthful. My student loans were in deferment until  XXXX   XXXX . At no time was I in a payment plan until  XXXX . Howeve r, ACS re ports my payment history as follows during deferment :  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  90 DAYS LATE  XXXX   XXXX   XXXX  120 DAYS LATE These late payments are highly destructive to my credit reports, even though my payment history has been perfect since I took the loan out of deferment. ACS Education Services has to clean up these wrongful credit reports, and remove all past payment history up to  XXXX   XXXX .   This is a national problem collection agencies have with privatized student loan reporting, and the CFPB should support the recent investigations by the Federal Trade Commission to take sanctions and levy fines for Fair Debt Collection Practices Act and Fair Credit Reporting Act violations against companies such as ACS Education Services.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I am currently unemployed and sought to ask for Lowering of my students Loans. Incidentally XXXX ( Navient ) gave my 6 different students Loans each with with Higher Interest Rates to the tune of 15 %, 12 % and 11 %. Navient has categorically refused to Consolidate my six different Loans over the years and thus has proceeded to deny me any chance of lowering my student debt. My students are Private student Loans and Navient has over the years refused to enroll me in any program and subsequently led me to file for Bankruptcy Chapter XXXX last year ; with only student Loans as my only Debtors. The Judge in the Bankruptcy case advised me to drop the Bankruptcy case since my debtors were mainly only Navient and I dropped it. I then asked Navient for a lowering of my monthly payment since I am unemployed and they refused. They rather kept calling my home and threatening me and after further threatening me to report late payments to my the Credit Bureaus ( which incidentally will adversely affect my ability to procure a Job ) ; I borrowed money to pay them last month and this month the whole scenario begins again. I need HELP to let me pay the amount I can afford to Navient before they destroy my credit history. I want to be in a program that will prevent adverse reports on my credit reports. My Account Number for Navient is XXXX. Loan Group Number : XXXX. Loan ID - XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with SYNCHRONY FINANCIAL (CA).
Issue: Problem when making payments

Complaint: I bought hard drive s at Amazon, and used their 6-months no in terest payment plan financed via Synchrony Bank using my checking account.  <P/>  I made timely regular payments until Synchrony changed their website. Then my payments were deemed late, and Synchrony charged me a {$25.00} late fee for each late payment. I called Synchrony, had them rem ove the {$25.00} fee, and made the payment over the phone with my debit card.  <P/> But Synchrony continued to deem each future monthly payment late, with a {$25.00} late fee. Each time I called them, I had the {$25.00} late fee removed, and paid the payment over the phone via my debit card.  <P/> I made a detailed written record of each of my calls. Attached are my detailed notes. Please note my  XX/XX/XXXX  conversation with  XXXX  of Synchrony Bank. After she did a detailed analysis of my account and payment record, she concluded that my account information was correct, and that everything was Synchrony Banks error.  <P/> I have highlighted in yellow on my notes her statement that Synchrony Bank made the error.  <P/> After a late payment error occurred again in  XX/XX/XXXX , I made all future payments starting in  XX/XX/XXXX over the phone, via my debit card, and requested a confirmation number from Synchrony Bank for each payment.  <P/> I paid off my entire balance within the six-month, no interest period.  <P/> However, several months later, I checke d my Amazon/Synchrony Bank ac count, and noticed that Synchrony Bank had closed it.  <P/> Since I anticipate using the Amazon/Synchrony six-month no interest payment plan in the futureand having received no real help from SynchronyIm requesting CFPBs kind assistance.

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 12/16/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: Citi Bank cancelled my card for " non use '' after I 've been a member in good standing since 2001. I believe they are unjustly cancelling anyone that has cash back " dividend '' cards. I found nothing in the terms and conditions that state the card needs to be used a certain amount to avoid being cancelled. Now they will only give me a new card by running my credit again and damaging my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: When I checked my credit report I saw that a company called XXXX XXXX XXXX was reporting that I have an account with them. They are reporting that I have a balance of {$7300.00} and I have a past due balance as payments have not been made. Once I noticed this on my report I immediately sent a letter to dispute and request valid proof that I owe them this debt. They received and signed for my letter on XXXX XXXX 2017. I sent the letter certified mail and received a signature confirmation. They sent me a response on XXXX XXXX 2017 stating that they do not have any documentation with my signature or any valid proof that I have any contractual obligation to pay them. All they have are statements showing a purchase which is not considered valid proof under federal laws ( FDCRA, FCRA ). I sent them a response letter again requesting validation of the debt ; I informed them that if they can not validate the debt they have to remove the information from my credit report by federal law requirements. They received and signed for my letter on XXXX XXXX 2017.  They never responded and they also failed to add a " notice of dispute '' to my credit report within 30 days of receiving my original dispute letter. On XXXX XXXX 2017 I pulled my credit report and saved a dated copy as proof that they did not add a notice of dispute. I sent another letter to inform them that they violated the law and should remove the derogatory and incorrect account from my credit reports to prevent further action. They received and signed for my letter on XXXX XXXX 2017. I even spoke to them on the phone on XXXX XXXX 2017, I was informed that no investigation had been opened and that they would open one now which could take up to 60 days to complete. This is unacceptable. They do not have any proof to validate this debt and therefore they are in violation of the law of they continue reporting 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 monetary relief
Consumer complaint received 08/25/2015 about Debt collection (Credit card) with Fulton Friedman & Gullace LLP (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Fulton Freidman & Gullace, LLP have garnished my bank account without notifying me. They have taken everything in my bank account plus thousands more leaving me thousands of dollars negative without money to live off of. Also this is a debt that is almost 10 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX agreed to remove the debt and I sent the check they cashed which stated in the memo that the debt was settled and would be removed. Before then I also contacted them stating that the date of delinquency from the credit card company was to be used according to the FCRA. They continue to use the date they received the account and continue to state that I owe the debt even thought they cashed the check. They did not try and contact me about the debt for six months until I disputed it on my credit file. I received a letter from XXXX stating the debt was too old to file a claim in civil court amd thus they would not be perusing. I also had to explain and notified them in writing that all communication would be written that no more calls would be accepted and would be considered harassment. In settling the debt they refused to send out the settlement agreement until I paid the portion we agreed. In a similiar situation this had happened and they tried collecting after we settled and refused to remove the debt. This time I put it on the check and refused to have them do an electronic check since last time they did not remove the debt and stated I had no proof of such.I also expressed that they had the wrong dates for the account and were not following the FCRA on the date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Debt collection (Other debt) with A.R.M. Solutions, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello, this is in regards to Client Reference # XXXX with the XXXX XXXX XXXX and Collections Account # XXXX The XXXX XXXX XXXX hired solicitors to go around the neighborhoods to create new accounts. I signed up for a Sunday only subscription about two years ago.

For whatever reason, I never received the Sunday paper that I wanted for the local coupons. After a year, I received a bill in the mail to renew my subscription. There was a customer service number on the bill and I called to complain about not receiving our paper. It was explained to me that they were sorry and that they would look into it. I would like for someone to please, please look into this as I am sure that they will enter a negative report on my credit rating. 
Thank you for looking into this. 
Respectfully, 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 11-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan servicing has now sent me another set of duplicate responses to my previous claim in which I requested that Ocwen send me copies of the document they say they filed with the County. 
It really amazes me how a financial situation can openly mock the system. 
Ocwen has sent me a release that was issued against a different apartment I owned up until XX/XX/2015. Which by the way, the crook investors Ocwen represents, grossly took away from me. 
Now investor and/or Ocwen wants to claim that that is the document they filed for apartment XXXX??????

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WY).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage LLC. is attempting to foreclose on my home using falsified documents. I will be attaching two Assignment of Mortgage documents which show fraud in the form of conflicting dates and locations. 
The first Assignment of Mortgage to XXXX, took place on XX/XX/XXXX in the state of XXXX. This Assignment of Mortgage was never filed at my local courthouse. The second assignment of Mortgage took place on XX/XX/XXXX in the state of XXXX. These conflicting Assignments substantiate the complaints which I have filed with CFPB previously, proving that XXXX did not follow the proper chain of title when the Assignment of Mortgage took place.

Company response to consumer: Closed with explanation