milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2016 about Student loan (Federal student loan servicing) with Allied Interstate LLC (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I started being garnished from allied for my student loans I was never notified by them nor my employer that this was happening until I recived my check stub and noticed this, I have spent countless hours on the phone with them due to I should have been exempt from this happening, my employer stated they needed something from them, they stated they needed something from my employer, in an attempt to call once again the lady I spoke with at allied stated my account was closed with them on XXXX XXXX and refused to give me any information on when the last papyment was recived or how much they collected, my checks are still being garnished from this company, they refered me to XXXX, and tbey refered me to another company ... So this company did not notify me of any garnishment to begin with so I did not have the appropriate time to fill out the paperwork I needed to to avoid garnishment but is also still collecting money for an account they dont have? I just want more information and tge money ive paid to be reimbursed or something, I dont know how a company can request money with oit notification let alone still vollect it from my payroll if they dont have an account for me!

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 10-10-2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Ally Financial calls daily on a truck loan I consigned for my son. He is delinquent on his payments and will not tell me his address or make contact with Ally to ask for help.

My issue with Ally is they are now calling my husband whom is not on the loan and has no role in this loan. I specifically told Ally not to call him as this is a privacy violation.

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 06-05-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Initially, I purchased my home in XXXX, in XXXX my home was mortgaged with CitiMortgage at an 8.5 % interest rate. XXXX, XXXX, I applied for a modification to lower my interest rates, only. XXXX, XXXX, I suddenly lost my job after XXXX years and XXXX months with the same company, ( XXXX XXXX XXXX XXXX ). I panicked and mistakenly told CitiMortgage about my release, but I assured them I had comfortable savings account, interest from my IRA, unemployment and spousal support incomes. CitiMortgage accepted my monthly payments until XXXX, XXXX when they returned my check and XXXX, XXXX put my home in foreclosure. XXXX, XXXX, I went to XXXX. XXXX, XXXX, CitiMortgage resumed my mortgage loan for {$6400.00}, 20 years at 8.5 % interest rates. I returned from XXXX XXXX, XXXX. Citi Mortgage has falsified my credit report, quoting my last payment before foreclosure was XXXX, XXXX. I have bank statements of payments thru XXXX, XXXX. XXXX, XXXX CitiMortgage transferred my loan to XXXX XXXX XXXX. I have credit reports where I made monthly payments and there were no deductions from my principal balance. CitiMortgage has ruined my credit and refuse to make corrections. XXXX, XXXX, I had a XXXX Credit score and if they had left my loan as it was I would have paid it off when I went to XXXX. I want to file a lawsuit against CitiMortgage for {$200000.00} to payoff my home and the stress and discomforts CitiMortgage has inflicted upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Credit card debt) with Weltman, Weinberg & Reis Co., L.P.A. (IN).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Due to job loss, we fell behind on our credit card payment to  XXXX   XXXX   XXXX   XXXX    (  "  XXXX  '' ), which then  caused Weltman, Weinberg & Reis " WWR '' ), a c ollections law firm to begin to call us and send us letters. We have attached a few of these letters, which implied were coming from an attorney, but really were not. We agreed finally to try to make some payments, and were told by WWR that we would have nothing bad on our credit rep  ort. WWR lied to us, as they put a judgement on our credit reports.
We read that the CFPB last week filed a lawsuit against WWR for fraud and deception ; which is one of the reasons that we are filing this complaint.
After we found out abou  t the judgement, we then discovered that   XXXX   XXXX   XXXX   was not licensed nor registered to do business in  XXXX , and thus did not have any access to the Indiana courts to file a judgement. Despite the lack of legal standing, WWR did it anyway. This seems to be an unfair, abusive, and deceptive business practice by WWR.     When we  told WWR a nd  XXXX  that they had done some bad things, and were violating numerous consumer protection laws, they merely sold our account to   XXXX   XXXX    XXXX   XXXX   ( "   XXXX    XXXX   ''  ).   XXXX    XXXX   has done nothing to correct this problem, as the employees of  XXXX  are still servicing the account, and rely on WWR for legal advise. So they continue to cover this up, and have done so for many years now.     Now that the CFPB has taken action ag ainst WWR, this would be a good time for the CFPB to investigate this matter, and take appropriate action against WWR, Targ et, and   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NH).
Issue: Trouble during payment process

Complaint: Dealing with OCWEN is like an endless game of chess with masterminds when I am a rank beginner. This game has gone on for several years but I will single out the most recent demands : I was told that I owe in excess of {$9000.00} and I must come up with two down payments to remedy the situation -- the first amount being for {$4500.00} due on XX/XX/XXXX and, then another due on XX/XX/XXXX for {$2500.00}. Thereafter, until XX/XX/XXXX, I owe an additional {$500.00} on top of my monthly payment of {$1700.00}. If I am ONE day late, all bets are off and they will begin proceedings against me. I have sent money via XXXX because if I send a letter with the funds they always say that I have not sent them on time and charge me additional money. They blocked the XXXX account that I have always used at the same place with the same service manager who has always been able to send the money but this month was unable to do so. I then sent money orders totaling my monthly payment which they returned to me, stating they would need " payment in full '' or nothing. When I challenged the amount they were demanding, they came up with a date from several years ago during which time they said I failed to make my monthly payment. However, I was in bankruptcy court at the time and the US bankruptcy trustee was overseeing my payments. He would have pulled my Chapter XXXX bankruptcy protection as a result and I would have lost my home then and there. Payments are not posted accurately. " Relationship managers '' which you are assigned and who supposedly sign off on agreements are not there when you need them. After sending them the {$4500.00} they demanded, they called to tell me they needed an OK to post the funds. Despite the fact that I provided tracking numbers for both the post office and the XXXX, they tried to imply that I had not sent them on time even though I e-mailed them the tracking information for both overnight and same day transmission of funds which should have proved the funds were sent on time. I could go on for hours regarding the mountains of mail I receive, the demands and the egregiously fraudulent activity I have endured. I know others trying to manage similar situations, one of who is an XXXX year old lady who is XXXX XXXX and can not manage any of the unintelligible XXXX they constantly sling. Time to serve a cease and desist order on these despicable people.

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 04/17/2018 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (VA).
Issue: Received a loan you didn't apply for

Complaint: The Company sent me a statement to my address and saying that I owed them {$1000.00}. I have sent them several letters telling them that this is not my loan nor did I ever apply for there services. Every time I have sent them a letter to the address it is sent back to me telling me that this address is no longer in service.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 've received notice and calls from Diversified Consultants in regards to an alleged debt owed of {$950.00}. I sent a dispute letter for validation to them a couple of months ago and have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Access Receivables Management (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, XXXX XXXX XXXX has sent me a collection email on an account that was closed and paid in full back in XXXX XXXX. 
" Dear Accounts XXXX, Thank you for trusting XXXX for all your business needs. This is just a friendly reminder that your XXXX bill for the following accounts are due today. If you have already made payment, please accept our thanks and disregard this message. 

Account XXXX : XXXX You can make your payment today, restore suspended services, request payment arrangements, and/or update billing information by calling XXXX. For billing disputes or in-depth billing matters, please contact your local Commercial Billing Department at XXXX. 

We value your business and the opportunity to serve you. 

Sincerely, XXXX XXXX, XXXX, XXXX, XXXX | XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX | Fax : XXXX XXXX Available Mon-Fri XXXX-XXXX CST Description : Description : Standard XXXX logo '' So, I called XXXX XXXX, could n't help me and I have finally filed a report with FCC and XXXX. Once time XXXX got to know about the issue via FCC and XXXX, they had reduced that bill and created another problem for me by sending {$140.00} in collection without any communication via email or mail what so ever. 

I am so surprised that XXXX XXXX did that, however this is what I have received in mail and email this week ; " My name is XXXX XXXX with Access Receivables Management, I am writing in reference to a XXXX XXXX XXXX account we currently have in collections in our office in the amount of {$140.00}. It 's very important that we resolve this matter so that no further actions are taken. Please contact me at the phone number listed below or reply by email. When calling or emailing please use ACCESS ID # XXXX. 

Payments can be made by phone using Visa, MasterCard, or check by phone. You can also go to XXXX to make a payment or set up a payment plan. I am willing to help by setting up a payment plan or settling on the account. 


Thank you, XXXX XXXX. Boys XXXX XXXXXXXXXXXX http : //access-receivables.com/ Access Receivables Management XXXX XXXX XXXX XXXX XXXX, MD XXXX '' I am not sure, if a collection agency could directly ask for money, without even validating a debt. I wish XXXX XXXX would have delt directly with me to resolve instead of even complicating furthermore. 
Thanks 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 05-09-2016 about Debt collection (I do not know) with Franklin Collection Service, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Franklin Collection Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Debt collection (Medical) with Frost-Arnett Company (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid by insurance company. I obtained preauthorization for all treatments before they were performed. The companies refused to acknowledge this or my dispute of the debt. Put it into collections and onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This company is reporting inaccurate, out-dated and misleading information on my personal credit report they have damage my good name! and refuse to delete inaccurate, out-dated and misleading information, even after numerous dispute notices, after 6 months of fighting this problem, nothing has change! this third party company has violated the Fair Credit Reporting Act. 
They have fail to send me the documents that I requested after 6 months of disputing They reporting wrong names, Wrong addresses that I never live at. 
They reporting inquiries that I have no knowledge of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (Mortgage) with Specialized Loan Servicing LLC ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a noticed from SLS who is a debt collector for XXXX, XXXX was the Original Creditor back in XX/XX/XXXX stating that my required loan payment will convert from interest only to principal plus interest as you enter the repayment period of your loan. This came as a shock to me because I was advised by several sources to refinance, and convert the loan to a FIXED rate which I did at the end of the first year before the bank or Lien holder starts to Rachet the loan if that 's the correct term. I believed that the loan was close to being paid off based on the number of years I 'd been making payments. I was also told that XXXX would not approve the Original loan unless I used my home as collateral. I move to the XXXX XX/XX/XXXX to start my early retirement. I contacted SLS by phone after receiving their letter of intent to try and make since of what was going on and learned that SLS documents stated that I was still locked into a ARM. That is where the problem lies. I 'm a US XXXX veteran and still hold my original Home Loan Guarantee from the Veterans Administration that I 've attempted to use since leaving XXXX XXXX. Now that I 'm retired on a fixed income I 'd like to use it to convert my primary mortgage to a VA loan. After the first year I was able to convert the HELOC from a ARM to a FIXED but after that SLS would not respond to the other bank where I applied. Since moving to the XXXX I 've misplaced the documents showing that I refinanced to a FIXED rate after one year. Communication with SLS has been almost impossible because they have refused to send my mail here. They refused to post important information on their Web site so that I can respond. There are times when it 's taken over 2 months to get my mail transferred from my residence in XXXX, XXXX to my residence here.

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 12/28/2016 about Consumer Loan (Title loan) with TMX Finance LLC (TX).
Issue: Lender repossessed or sold the vehicle

Complaint: TitleMax states that they sent by certified mail, a " notice of our plan to sell property '' regarding information about the sale or redemption of the vehicle. 
I recieved nothing regarding this and will request proof at trial. 
TitleMax states that regarding their recovery vendor listed items in my vehicle as " pens '' only. That is false. Your recovery vendor is dishonest and fraudulent, and this will be added to the lawsuit for theft of property.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Rewards

Complaint: I signed up for the XXXX, provided by BarclayCard. They were advertising a XXXX mile bonus for new cardholders. I fulfilled the prerequisites to qualify for the bonus miles, but since then I have not received the miles and every attempt to contact barclaycard ( starting in early XX/XX/XXXX ) for a resolution is met with the same canned responses about having to wait an additional billing cycle. A few weeks ago I spoke to a XXXX who guaranteed this was resolved and I would see the miles by the beginning of the next billing cycle ( XX/XX/XXXX ). Today I called back and was given the very same story, to wait another billing cycle. After I informed the XXXX that this was unacceptable and I 've been told the same thing weeks ago, she agreed to further escalate my case ( though she refused to transfer my to a more senior supervisor to get a resolution today ). I was promised I would get a call back in XXXX business days, but they refused to send me a transcript of our conversation or to put their claims into any form of writing. Each time I speak to them, I am taken around in circles with no resolution in sight. When I research this issue online, I find forums where hundreds of other customers complain about being in the same predicament that I am in, many of them spending over a year trying to get things resolved before giving up and closing their accounts. I believe this company is purposefully giving me the run-around hoping to exhaust my patience, so i simple stop bothering them. I would appreciate the CFPB 's assistance in this matter greatly! Thank you! 
I first contacted them about this issue on XX/XX/XXXX, and the case number i was assigned is : " case ID 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 08-10-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Per my Experian Credit Report, they have not updated my information to state that my accounts have been paid on time since in the month of XXXX, XXXX, and XXXX. Per my information on XXXX, and XXXX, my information is currently correct. I would like for Experian to complete their investigation and update their records to reflect the correct information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: The company named MCM contacted a family member and stated that I have a lawsuit with my name on it. I have no knowledge of this lawsuit as I have not received any official documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NM).
Issue: Loan modification,collection,foreclosure

Complaint: This is the XXXX complaint I have filed against Select Portfolio Servicing. I filed a modification request five years ago before SPS became the loan servicer. After I 'd submitted documentation repeatedly over that period, SPS stopped acknowledging my counsel and mailed me directly an offer, which I never received. When they notified my counsel that the offer was expired ( even though they claimed they were not authorized to speak with my counsel ), SPS refused to extend the time to permit me to accept the offer. 
Accordingly, I submitted a complete new modification application, XXXX on XXXX XXXX, 2015 and again on XXXX XXXX, 2015 and XXXX XXXX, 2015. SPS 's response was form letters directing me to file the forms I had just filed. Finally, on XXXX XXXX, 2015 and XXXX XXXX, 2015, SPS acknowledged receiving correspondence and information though the form letters do n't identify specifically what they received. Though my counsel has repeatedly asked SPS to call him if additional documentation is required, they refuse to do this. Instead, SPS continues to send form letters requesting me to send documents I have already, and repeatedly, transmitted to them, through my legal counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a credit card account with my credit union ( XXXX County XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - XXXX ) .XXXX XXXX XXXX XXXX is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with XXXX XXXX - XXXX XXXX. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on Transunion, XXXX, and XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XXXX from the original creditor ( statements ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation