milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2017 about Student loan (Private student loan) with National Enterprise Systems, Inc. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: NES serviced my loan after  XXXX  charged off the loan without contacting me by phone, email or mail.     Since  XXXX , have paid {$10000.00} on these loans to  XXXX . I have requested financial hardship assistance multiple times and have been denied all options.     The original lessor,  XXXX   XXXX   XXXX  charged off my loans in  XXXX   XXXX . Per FTC regulations you were mandated to report the activity to the credit bureau within 30 days, and contact me within 30 days.     NES did not contact me by  XXXX   XXXX . As of  XXXX   XXXX , there was no report made to the credit reporting bureau. This is a violation of FTC regulations.     Furthermore,  XXXX  withheld information regarding my loan. Between  XXXX   XXXX  and  XXXX   XXXX  I made numerous attempts by phone and written email to obtain the contact information of the new servicer ;  XXXX  would not even give me the name or phone number! It was impossible for me to make any payments at this time.     Finally, the first correspondence I received from NES by mail was on  XXXX   XXXX ,  XXXX . I have not received any phone call or email communication from  NES.  Today is  XXXX   XXXX ,  XXXX .     I had an attorney at  XXXX   XXXX  send a dispute letter on my behalf on  XXXX   XXXX ,  XXXX . NES claimed my dispute was invalid and they attempted to contact me. I did not receive any phone calls, voicemails, or emails.     NES did not contact me via phone, email or mail between  XXXX   XXXX  and  XXXX   XXXX . Again, it is not possible for me to communicate with another party if I do not have accurate, assessable contact information.     In  XXXX , I received a letter dated  XXXX   XXXX ,  XXXX  from another collection agency! Now    XXXX   XXXX   XXXX   XXXX   XXXX   holds the loan. I am working with an attorney to send a dispute letter on my behalf within the next week.      This is is predatory and unjust behavior from all of these agencies.   I intend to pay my student loan, I need fair treatment and fair reasonable payments.     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 05-10-2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: i ask for proof and only sent me a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Back in XXXX years, I was under a reduce payment plan due to unemployment with Wells Fargo my mortgage holder. During that time I made monthly payments and as described in the plan Wells fargo was to modify my loan. This never happened.

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 07/25/2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My mother died approximately XXXX year on XXXX XXXX, 2015. I resided in the residence with her for many years. My mother decided to take a reverse mortgage with Wells Fargo Bank. I have tried to work with wells Fargo and my estate attorney to get me appointed as the personal representative. I feel that wells fargo has been unfair and deceptive in dealing with myself and my mother during her life. My mother has NOT been vacated from more than XXXX year. Therefore the bank can not legal foreclosure and are in violation of the FDCPA.

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 03/31/2017 about Debt collection (Medical) with Kenneth, Eisen & Associates, Ltd. (NV).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have been working with XXXX since XX/XX/2017. I asked for EOB to help resolve any unpaid debt. Upon receiving the EOB I called to speak with XXXX about inconsistency and incomplete bills which they said I owed. XXXX was not in the office so I spoke to XXXX. XXXX began to yell at me and tell me " YOU OWE US THAT MONEY AND YOU BETTER PAY UP ''. I tried to ask him to calm down and discuss this issue and he continued to yell, " YOU DO N'T HAVE OUR MONEY DO YOU ... THAT 'S OUR MONEY AND YOU HAD NO RIGHT TO SPEND IT, YOU BETTER GET OUR MONEY AND PAY US NOW '' I hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was asked on Experian and XXXX security questions about a car loan that I possibly obtain in XX/XX/2015 and about the lending Institution and I have not obtained a car loan in XX/XX/2015 or any other kind of loan! I was denied access to my credit reports. I encountered this same issue about three years ago and was never able to come to get my credit reports. However today I was able to access XXXX credit report but I seriously need my other XXXX. I 'm afraid I am a victim of identity theft or something and I need some answers immediately, I 'm scared.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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Disputed amount of {$62.00}, {$62.00}, {$62.00} owed to XXXX XXXX XXXX XXXX on XXXX, ( was on all 3 Cr. Bur. ), as unpaid-in collection. Then there was XXXX XXXX XXXX. I disputed the loan was n't mine, my information was used to commit fraud, I had talked to the company prior to this and they even told me how the crime was committed against me, but still continued to allow this to destroy my ever having credit. Amounts disputed, {$920.00}, ( on all 3 Cr. Bur. ) date disputed-XX/XX/17, then on the same date I also disputed {$410.00} to XXXX XXXX Bank XXXX dispute sent to all 3 Cr. Bur., {$85.00} due to XXXX XXXX XXXX, disputed to all 3 Cr. Bur., on XXXX/XXXX/XXXX. XXXX sent me back the inv. Results and XXXX XXXX XXXX XXXX. Was Deleteed, XXXX. XXXX was DELETED, XXXX XXXX XXXX. Was DELETED, and XXXX. XXXX. Bank was Disputed w/ info, updated. They put it back at what I knew I owed {$300.00}. Equifax, Waited 1 1/2 hrs, never answered. They sent me back a result of " no change '',. Equifax, is absolutely unwilling to help at ALL!! They sent me all around the world, never got any help. I want to also say I tried the last time to contact the creditor XXXX XXXX, it was admitted to me the manager at the time had also scammed 2-3 other customers. He would continue to reborrow money under our identity. I got cussed out ft not understanding. This was supposed to be handled in XXXX, instead he skipped town, my credit continued to get worse and worse. I had to pay unbelievable finance charges on anything I would get and then I had to use XXXX companies that on touched the WORST credit. I filled out a report on my account being frauded in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: CitiMortgage is reporting my mortgage account to the XXXX major credit reporting agencies as 30, 60, 90, 120 days late, beginning XXXX 2014 through XXXX 2014, which is incorrect. I entered into a loan modification agreement during this period of time. When I first contacted CitiMortgage, I was informed that I would have to be 30 days late before I could be approve for a loan modification. I applied for the loan modification because money was extremely tight due to previous job loss and very serious medical conditions for both my wife and I, however, I was fully prepared to make the XX/XX/XXXX payment. Per instructions from CitiMortgage and in order to qualify for the loan modification, I did not make the XX/XX/XXXX payment and was subsequently approved for the modification. I made each payment, per the modified agreement, beginning in XXXX 2014 and continuing until now. However, the payment history now being reported by CitiMortgage reflects that I not only failed to pay in XX/XX/XXXX, but also XX/XX/XXXX and the following months through XXXX 2014. 
I have disputed this directly with CitiMortgage ( see attached ) and they have verbally communicated that they will not change this erroneous reporting because this " is just how we report it. " Therefore, the only conclusion I can come to is that CitiMortgage is KNOWINGLY and INTENTIONALLY reporting this inaccurate information in violation of the Fair Credit Reporting Act after being informed of their error. 
Since CitiMortgage obviously does not care about the consumers they are harming and is refusing to correct this error, I request that the CFPB step in and assist me with raising my issue to the appropriate management levels at CitiMortgage who have both the authority and willingness to right a wrong that is causing harm to a consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Settlement process and costs

Complaint: In XXXX of 2009, my husband and I filed Chapter XXXX Bankruptcy. Our mortgage company, HSBC, agreed to a loan modification and reaffirmation which lowered our mortgage payments from XXXX to XXXX. We signed these documents with our Bankruptcy Attorney ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ) and they were sent to the Attorney for HSBC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ) to be filed with the court. 

Four years later, we start getting notices from HSBC that we were behind on our mortgage payments and they threatened to foreclose on our house. Not one time have we ever missed a house payment. At that time, I had my attorney research the matter even though they were not obligated to do so, they contacted the Attorney for HSBC who claim to have never received the loan modification and reaffirmation agreement. I was terrified that our house would be foreclosed on again, so I agreed to sign another reaffirmation agreement. However, HSBC did not agree this time to modify our loan payments to a lower amount. I feel like in order to keep my house, I felt forced to sign the new agreement at the higher payment of XXXX. In addition to the higher payment HSBC tacked on approximately {$12000.00} in interest. 

No one seems to care that the paperwork was mishandled. No one seems to care that I owe {$12000.00} more than I should. No one will listen. I hope you will.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (I do not know) with NATIONWIDE ACCEPTANCE CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted and sent Fraud Affidavits to Nationwide Southeast. Also, I have disputed this account with XXXX and XXXX who stated that Nationwide Southeast verified that this account belong to me. I find that hard to believe since I was never able to get a response back from Nationwide Southeast. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting in results.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (OH).
Issue: Problems when you are unable to pay

Complaint: I have an auto loan with United Auto Credit, and I am currently going through a divorce so I called and asked if I could set up a promise to pay for XXXX XXXX of my payment in full ( car payment was due XXXX ) and was told I could not, and if the payment was not made by the XXXX they would come take the vehicle from me. I asked to speak to another supervisor who proceeded to accuse me of trying to argue, also stated if it was n't paid by the XXXX it would be immediately taken. When I spoke to my mother who has worked in XXXX for 20+ years she asked to speak to this company so I added her to the account and they said the same things. She told me that it was illegal for a company to threaten, harrass, or intimidate a consumer especially when a payment process is trying to be set up.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit card () with DISCOVER BANK (GA).
Issue: Billing disputes

Complaint: I contacted " XXXX '' for pest control services for mites that are in my house. For about 3-4 years I have had problems with these insects and used various pest control companies. to apply chemical application, which did not rid the house of this pest. Tech from " XXXX '' came by and performed inspection and sold me the idea of " Thermal Heating '' a service that was " Guaranteed '' to kill all nuisance ( mites ) insects in the entire house.. The price for this service was expensive, but for the results guaranteed, I was willing to spend the money required : {$1000.00}. Note : This insect has caused me and others ( validated by medical records and individuals that have visited my home ) health problems and over the years had to stay in hotels at various times to regain my health to go back to my home. In paying for this transaction, I used my DISCOVER card to pay for this service. In retrospect the " Thermal Heating '' did not work, resulting in me going to hospital for XXXX and hotel stay. Contacted the company " XXXX '' immediately on problems and for several days did not respond. I had asked prior to service the warranty and was told they warrantied there service and guaranteed their work. Finally they sent a Field Manager out to review the property and I met with her and offered her a bug glue trap to take and have it looked at by an scientist of insects to perhaps validate the bugs on the trap. The trap was taken and to date have not gotten any results of the trap, followup call on warranty service ( re-do ) or any plan of action for resolving this matter. So after the first week of contacting said above company on this matter, I contacted Discover to dispute this charge. I sent Discover pages of documents per the ( FCBA ) to validate charges for goods or services not delivered as agreed, services not given as described and finally " Warranty '' for services promised but not delivered. Discover sent a vague letter XX/XX/XXXX, that they could no longer continue this dispute, unless I had additional information. XX/XX/XXXX, I sent additional information, disputing this charge. In validating legally the infractions this company made per this service I contacted the State of Georgia Agriculture Department who licenses this service, who reviewed the file per my case and wrote up XXXX violations by " XXXX. '' In the meantime, I received another note from Discover ( in my account file ) that in turn stated that they would not reverse the charge. I called Discover and told them of the State findings of violations and would it make a difference to send it to them and would they re-review the case and the agent stated yes. To Date, they have not and still are demanding a payment on this account immediately. Discover has not to date disclosed " why they will not reverse the charge '' specifically in writing ; nor given me any documents validating their decision,.,

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX Act Number # XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX Acct Num:XXXX XXXX XXXX Act Num : XXXX XXXX XXXX XXXX Acct Num:XXXX Pinnacle LLC Resurgent Act Num : XXXX Pinnacle LLC Regurgent Act Num : XXXX " No contract '' with my personal signed signature. Dispute all information as inaccurate. " No business agreement '' was established with XXXX, nor did any documents state I agreed to let them service my account, should I default on the loan. " No sign contract '' with XXXX to collect any money, and the statue of limitation for collection agency to collect in another state. XXXX entry on my credit report files is illegal as I never engaged in an agreement with their organization. Illegally reporting information on my credit file, is FCRA LAW. Read the law. Charge off/collection is wrong, please delete these accounts from all three of my credit report/ files.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My payment plan was income based driven, which needs to be updated annually. While I submitted the paperwork on time, and thought everything would be the same continuing into the next 12 months of payments, it mysteriously never made it to NAVIENT. Never received emails stating that my paperwork was n't received on their end and was completely blindsided when I saw that my payment had almost doubled. After frantically calling to remedy the situation, the gentlemen on the other end could really not care less and offered no other solution than to pay it or do n't. So I paid it, re-filled out the necessary paperwork, called NAVIENT to confirm this time that they received the paperwork and thought everything was settled. Wrong. This time around the same payment that I had been going with for years was now wrong, and my doubled payment remained the same. Completely aggravated, I call them back for the third time and spoke to a woman this time and provided me with the option to forebear a payment, which I find out any payment 's interest not paid under this option will automatically be added to the principle amount. Paying what I could, I went with the aforementioned option and was reassured that my monthly payments would now go to normal ( around {$180.00} ). Not even a few days later I receive two emails from the company, one stating that my next payment would be the doubled payment and the next email states that my payment would be {$220.00}. Now I still have n't called them back a FOURTH TIME to remedy the same situation, but it 's a little ridiculous to have to follow up this many times to give someone my money.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit card () with PAYPAL HOLDINGS INC. (PA).
Issue: Closing/Cancelling account

Complaint: I dont have this credit card, nor did i ever recieve this credit car, however it is non my credit report. I would like this whole enitre account shut down and to never open back up! I dont use paypal the first time i ever had an account was just the other day when i made it. And I would appreciate a letter in the mail or even an email stating that paypal will shut this whole account NOW! THANK you very much! XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX PA XXXX, AND I HAD A STATE I.D TO PROVE THAT AS WELL, ALSO YOU CAN SEND ME AND EMAIL AT XXXXXXXXXXXX thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: We have been trying to reach SPS Servicing for a HAMP modification but have not been successful reaching them or getting them to send us the paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company XXXX has sent a bill I do not owe to XXXX different collection agencies. XXXX, and ERC. The first attempt at sending it to collections I requested validity of the debt and was told XXXX had to look into the balance and if I did not receive anything then it would be resolved. I did not receive anything and then a year later got a letter from ERC collections also from XXXX for the same date of service but the bill was {$20.00} more than it was before. I disputed the bill with this agency and they said I did everything I could do with them and that to get the bill adjusted I would need to contact XXXX. After calling XXXX they claim they can not find the account and then gave me a number to call that was a disconnected number. So at this point the bill has been with XXXX collection agencies, shows XXXX different amounts for the same service, the current collection agency says they can not do anything unless XXXX adjusts the bill which they claim they cant find and that if I cant get them to fix it then it will be sent to a different collection agency for me to dispute again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I paid for a membership with Equifax to obtain my credit report and to remove my mother 's XXXX XXXX XXXX 's credit card from my credit report. I am not even an authorized user on her credit report, just her checking account in case of emergency. NOT her credit card. This has damaged my income/debt percentage and my scores plummeted and it will affect my handicap housing application. Every single person I have spoken with by phone and by chat provides me with a link for me to figure it out by myself. I ca n't figure it out because it 's not user friendly. I ca n't even see the credit report that I paid for ; just a summary. No agents from the XXXX are available and the agents XXXX hang up on me, repeat the link, place me on hold indefinitely, tell me there is no supervisor available, etc. 
The XXXX XXXX XXXX credit card is not mine and I 'm not an authorized user. When you call Equifax it directs you to AUTOMATED menu and AUTOMATED sub-menus. I have received ZERO help from my membership. People are rude to the point of saying : what do you want?. I want my money back because I am unable to dispute XXXX XXXX XXXX entry or I want someone to call ME ( from the XXXX ) and get assist me via phone. I have phone logs and copies of chats from the past 3 days which have totaled 6 hours and 12 minutes yet I have not been able to dispute XXXX XXXX XXXX. Also, they have my CURRENT address as a PREVIOUS address and my CURRENT address was never even MY address! It belonged to my STEP mother from almost TEN years ago. I was given an AUTOMATED phone number to fix that as well.

Company response to consumer: Closed with explanation