milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX XXXX XXXX, received call from associate XXXX. Said associate failed to provide proper call disclaimer. 

I immediately asked said associate to provide the name of the person that called my phone two days ago. Said associate disregarded the question and proceeded to third party debt collection requests. I asked a third time and was asked why u needed the name. I inquired of the name because the associate that phone left a voicemail advising the call was from a debt collector ... which is against FDCPA requirements. XXXX persisted today advance her script of collecting the debt and I refused to entertain as my question wasnt answered. XXXX advised it was my debt and that my credit would suffer and disconnect d the call. 

I called the company back. Asked to speak to a manager. Call was transferred to XXXX XXXX. Initially said manager appeared attentive and concerned. However, he then disengaged and proceeded to collect his alleged debt. I advised my complaint about XXXX was not addressed. After moments of back and forth the manager wanted me to give permission for him to discuss the debt. I advised I never received the requir d thirty day notification. Manager advised the letter was sent twice. I not d I called in a few weeks ago and was provided a website to pay the alleged date with th account number. However said manager noted there was no inbound call from me noted in the record. When I pressed the topic, his storyline changed to acknowledge the call. However when it was apparent I wasnt acknowling th alleged debt XXXX advised he had other callers willing to pay their debts and I could call back when I was prepared. He disconnected the call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX is reporting derogatory on my credit report, for a XXXX  balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

XXXX XXXX sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact XXXX XXXX with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Late fee

Complaint: Obtained a zero interest promotional from Rooms To Go serviced by Synchrony Bank. I have incurred late fees and interest charges every month since the inception of the loan despite regular early and timely payments. I have had to spend between 45 minutes to an hour and a half every month to have the charges reversed. Based on my numerous discussions with customer service representatives, the fees occur due to the " timing '' of the payment processing and their systemic limitations to process early payments. In order to avoid fees I have doubled payments in some months, changed my bill submission dates.. etc ... I am unable to avoid the fees no matter what I do unless I call in and escalate to multiple supervisors. I simply do not have the time to dedicate to reversing the fees every month. This month I have a balance of more than 10 % of the original loan value. I do not know if they will waive it. I have grown fatigued with calling in every month.

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 10-06-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
I am a victim of identity theft and noticed a collection from XXXX XXXX XXXX/RESURGENT CAPITAL. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX  XXXX/RESURGENT CAPITAL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo is negligent in providing concise and accurate information. There are missing statements, no mention of all the numerous calls and letter writing I have made in an attempt to clear up my account. Funds that should have been applied to the loan were applied to late charges. One was corrected 30 days later, after I called and explained the additional funds were to be applied to my new payment amount. 
In XX/XX/XXXX I contacted Wells Fargo requesting assistance with lowering my interest rate or forgiving my second. I received conflicting information ; from there is nothing that can be done, to stop making payments to qualify for a loan modification to : " since you do not have a XXXX or XXXX XXXX loan, there is no relief we can offer you. '' I chose to request a Loan Modification and stopped making payments to qualify. I felt this was my only option. Like so many consumers, I did not understand who XXXX or XXXX XXXX was or what the ownership of my loan had to do with helping me. 

I made my XX/XX/XXXX payment and then stopped, per Wells Fargo instructions. I was informed I had to miss 3 payments before I could apply for a loan modification. During this time I received no calls or letters. I kept calling and asking for guidance and help. Not until XX/XX/XXXX, did I receive a notice that my Loan Modification was approved. Again, no notices or calls. The last monthly statement I received was XX/XX/XXXX. In order to keep my home I worked so hard for, I signed a Loan Modification agreement that I did not understand. I was not aware that the 11 payments missed from XX/XX/XXXX were added as a second mortgage frozen with a balloon payment due in XX/XX/XXXX, or that my HELOC was added to my first. I have asked repeatedly for this documentation, but have not received anything. I was not aware of my HELOC being added to my first and of the new second, until XXXX XXXX reviewed my account. 

How any consumer is to understand this web of an agreement is deceptive and goes against the Statement Wells Fargo claims as to being a responsible lender. To make the situation even more confusing, my tax-impound account kept changing my payment. They would decrease with a refund and then increase with a shortage. If there is extra funds in the account, why would n't it be applied to reducing my principal?

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 08-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has a closed account on my credit report that I have would like removed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NH).
Issue: Unauthorized transactions/trans. issues

Complaint: I am a American Express Serve prepaid card holder. I used the cards Online Bill Pay feature to send my landlord a payment but, later that day he came to my home so, I paid him cash in hand. I then went into my online account to stop the payment and was not able to do so. I then contacted the customer service department who informed me that they had put in a dispute for the payment and that my money would be returned to my account within 3 business days. Today makes 5 business days and the customer service center just told me that the payment has NOT been stopped and, that I will get a E- Mail from their Disputes Department by the XX/XX/XXXX. They then also continued to inform me over a recorded line that they Do NOT have to abide by the same laws nor rules as a bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I acquired a XXXX Loan in XXXX for my primary residence that XXXX modified in XXXX because it was a poor loan product, ( Neg-Am ). Myloan servicer transferred to Nationstar in XXXX XXXX and the terms of my loanmodification are not sustainable because of annual interest rate increases. Ihave been actively engaged with Nationstar since XXXX XXXX and eachapplication for a loan modification receives a different response with the samesubmitted documentation. My HUD counselor recommended a loan programcalled a FHA Short Refinance for homes with negative equity. I have called, emailed, and certifiy mailed Nationstar for XXXX-years about the FHA ShortRefinance program and Nationstar will not put in writing whether or not myNationstar supports this program. My lender is XXXX XXXX Bank, which theysupport the FHA Short Refinance Program. In my last letter received fromNationstar they assigned me my XXXX ( XXXX ) " Dedicated Loan Specialist '' which when you call their phone number, he states on his voice mail that hisname and phone number were inserted into XXXX of customers lettersby mistake and he can not help you, he proceeds to give you the XXXX customerservice phone number. 
Compliant:1 XXXX Nationstar fails to respond to my questions concerning FHA Short RefinanceProgram. 
2 XXXX Nationstar 's Dedicated Loan Specialists '' are not real ; only on paper theyexist ; I have not received a call back from a single Nationstar Specialist. 
3 ) Nationstar asks for the same documents multiple times stating they were notreceived. This has gone on for XXXX+ years when applying for loan modification. 
4 ) Nationstar uses the veil of waiting XXXX days to respond to every writtenrequest I 've submitted. This technique only allows XXXX back and forthcorrespondences in XXXX days ; thus, your documents expire and new documentsmust be resubmitted starting the process all over again. ( I have saved everyletter from Nationstar ) 5 XXXX My customer service representative responded to my last request withoutreading a single page of my package of material I mailed in. His response wasopposite to documents that HUD sent to me to give to Nationstar about FHAShort Refinance Program requirements. Nationstar stated that I did not qualifybecause I had a Conventional Loan and not a FHA Loan. The FHA ShortRefinance Program states you MUST have a Conventional Loan to beeligible and not a FHA loan. 
Thank you for taking my complaint about Nationstar performance as athe Servicer of my home Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with documents the their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my request to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. Please resolve this manner as soon as possible. Thank you.

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 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Please see letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: APR or interest rate

Complaint: Bank of America incorrectly applied my payment to a credit card account. There were XXXX payments made in a billing cycle XXXX 2015. The XXXX payment of {$300.00} was made XXXX XXXX, 2015 and correctly applied towards the monthly minimum payment of {$81.00} and the lowest APR balance. This balance of {$7200.00} was subject to 0 % APR and represented the entire amount of debt on the account at the time. The XXXX payment was made on XXXX XXXX, 2015 for {$1300.00}. This entire amount of the XXXX payment should have been applied towards {$1500.00} of purchases posted between XXXX XXXX and XXXX XXXX, 2015. Unfortunately, Bank of America applied the payment incorrectly splitting the amount between the lower and higher interest rate. This resulted in an interest rate charge of {$9.00} against a balance of {$640.00} for purchases subject to the higher interest rate. If the payment was applied correctly, the balance subject to the higher rate should have been {$220.00}. I contacted Bank of America to resolve and they claim they applied the amount towards the lowest APR in accordance with Federal Law. This is NOT what the law prescribes. That only applies to the minimum payment amount and any amount above that must be applied towards the highest balance. 
I request you assistance on XXXX matters : 1 ) assist in getting the Bank of America to correctly apply the XXXX payment to reduce the balance subject to higher APR as this effects the next months bill and 2 ) assist in getting Band of America to refund the incorrectly charged interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (MI).
Issue: Account opening, closing, or management

Complaint: I had a home equity line of credit thru PNC Bank. I received the letter in 2012 telling me my loan maturity date was coming up & I needed to either pay off the loan or renew the loan for another 10 years. I submitted all the required paperwork, i.e. pay stubs, XXXX, etc. Apparently the person reviewing my application did not know how to read a credit report. I owed approx. {$150000.00} on my mortgage & {$55000.00} on my HELOC. I did n't hear back for over 2 months & when I finally got in contact with that person they told me they could not renew my loan because I owed too much on my house. When I asked him to clarify, he told me I owed {$210000.00} on my house so they could n't renew my loan for the additional {$55000.00}. I tried repeatedly to explain that the {$210000.00} was the mortgage & HELOC & that 's all I owed. By the time I sent all the paperwork to him to prove that all I owed was the {$150000.00} & {$55000.00} the loan had come due. Because I did not have {$55000.00} to pay it off, I continued to make my usual payment of {$1000.00}. After 3 months, that person 's supervisor looked over the paperwork & saw the error but then I was told they could n't renew my loan because I had a low credit score. I had perfect credit until PNC Bank screwed it up by not knowing how to read a credit report. It finally went thru a loan modification department & I was told HELOC would be closed & converted to a signature loan @ 1 % until it was paid off & the lien would be removed from my house. I recently tried to re-fi my mortgage since my credit score has improved & the rates are low. When my bank ran my credit report, it showed the HELOC was still open & I had a {$57000.00} credit limit. After repeated phone calls to MANY people, I finally got a letter that stated the loan was closed. I gave that to my bank but now the title search shows PNC Bank still has a lien on my house. That lien will affect the rate I can get on my re-fi.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Trouble during payment process

Complaint: XXXX My mortgage was recently transferred by XXXX XXXX XXXX  to Wells Fargo XXXX XXXX for servicing. 

After initially successfully creating my account per Well Fargo XXXX XXXX XXXX instructions mailed by post, I got locked out of my account. 

No one was able to figure out how to unlock my account and reset my password. 
Furthermore, they verbally specifically directed me to enter my SOCIAL SECURITY NUMBER as my username into an UNENCRYPTED short text data field on their website. 

I am still unable to access my account, makle a payment, view my personal information, or verify that they have taken proper measurement to safeguard and monitor my account and personal financial information

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 05-07-2015 about Debt collection (Payday loan) with Solidus Group LLC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: We have been paying on this debt for XXXX months ( it is being automatically withdrawn via debit card ) and had no idea there was any problem with this payment. We recieved a voicemail threatening to bring XXXX police officers to our house if we did not pa y and that the state department was involved.There was not an attempt to resolve issue in a businesslike manner, just a very threatening message. 
This company also left a similar message on XXXX of our family members voice mails and said the police and state department were looking for me and gave him all kinds of false information. 
I have made contact and gave this payment over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Recently while conducting a monitor of my credit report I discovered that XXXX XXXX XXXX has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization.

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 12-02-2016 about Bank account or service (Checking account) with SCOTTRADE BANK (OH).
Issue: Using a debit or ATM card

Complaint: My dispute involves transactions from a XXXX. Money was deposited into an account with them using my debit card linked to my checking account. After receiving my money, XXXX closed my account and walked away. They stole my money. XXXX is a scam! I just want my $ XXXX back. I 'm not going to let this go!

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed these inquiries with equifax multiple times they refuse to remove them without ever doing a real investigation. I actually called the companies on the inquiry list and they ca n't find my info anywhere yet equifax keeps reporting these fraudulent inquiries. They changed my social without my consent I had to send my correct social security number to get that corrected. I explained to them while the social was wrong is a result of all these inquiries being reported and I never applied to these places.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivables Performance Management, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Receivables Performance in XXXX, WA has a " Collection/Chargeoff '' placed on my XXXX  credit report. This is my elderly Fathers account which I have settled for him. I sent proof to the collection company but they refuse to remove the chargeoff placed on my credit report. I have contacted XXXX but they will not remove it without Receivables Performance consent.

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