milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2015 about Debt collection (I do not know) with Niagara Capital Recovery LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: My complaint is about Niagra Capital Recovery - collection agency recently form in NY. 
This is a debt collection Agency who refuses to give me a physical address. Instead, all they gave me was a XXXX XXXX XXXX 
Their tactics have included : falsely identifying themselves as a lawyers office or a mediation firm. Additionally, they have threatened arrest and stated that someone from the Sherriff 's office would be coming by to arrest at XXXX. 
Additionally, they have restated back personal information to identify that they know " what car you drive '', etc. 
Additionally, they have spoken with other members about the debt other than an immediate spouse. 
I have today filed a CEASE and DESIST letter with the agency. 
I have today spoken to the original debtor -TD Bank XXXX who apparently sold the debt to another company and who apparently sold the debt to NCR XXXX Niagra Capital Recovery XXXX. They state that they have begun to have complaints about this company and asked me to send them a copy of the Cease and Desist letter. 
The original debt was about {$150.00}. NCR has asked as much as over {$1000.00} or threatened arrest. 
These people need to be shut down. 
I have contacted an attorney on a cursory level who informed me to submit a cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (UT).
Issue: Settlement process and costs

Complaint: Quicken first committed bait and switch practices by stating I would get a full refund for a XXXX dollar deposit, when I did not receive the full refund I called to find out why, their terms and conditions state they can pull fees from that deposit. 
Quicken then assisted the appraisal company in committing fraud by stating repairs had been verified as completed when they had not, resulting another inspection. I submitted evidence and was able to get this XXXX fee waived. 
Quicken was caught in lies several times, they would tell me one thing about the process and then when I spoke to my realtor I found out the truth was entirely different. I believe this is because I am a first time home buyer with a small loan, Quicken tried to take advantage of me. 
And finally they are committing extortion. My closing was pushed back several weeks due to their mishandling and even though weeks ago I asked them to get a fee waived by the appraisal company because this company committed fraud in order to generate more income ( they claimed they did not have full access to property when all sellers, realtors, and I can confirm all keys were available at time of appraisal. ) They made no attempts to get this corrected until XXXX ( this was requested XXXX ) and now that I am at closing I was informed I ca n't close on my house if I continue to fight these fees. If I close on the house then I waive my rights to fight the charges. They know that I have no choice to accept the extra charges because I had been required to vacate my current residence XXXX. I feel they purposely waited and backed me into a corner where they could take the most advantage of me. As they push my loan farther and farther back I get closer to the point where my rate will no longer be locked in, and they will have the opportunity to raise it, I am afraid this is the direction this is headed in, and again I will have no choice but to accept it because I desperately need a place to live.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Delinquent account

Complaint: Citi bank has caused me a great deal off wasted time and money. I have attempted in good faith to make multiple payments to Citi with my credit union checking accounts. In times past ( XXXX ) the account information worked perfectly fine. Recently, when attempting to make payments my payments were returned. I use the exact same payment information for every credit card payment that i make with all financial institutions ( XXXX, XXXX, XXXX ) and these other financial institutions have no problem making my payment with these checking account numbers. Because of issues with citis payment processing i have been charged fees ( returned check fees ) which are undue because the issue was not with me but with Citi 's payment processing system. I contacted my bank who advised that paying with the account information that i provided is the correct way and would be processed by the banks. I have attempted to correct the problem with a customer service representative in XXXX. They had me use the account number at the bottom of my check book which they were n't able to process. I can prove there was money in the accounts at the time every payment was attempted as well as show proof that other financial institutions have, and continue to accept payments from the checking account information that i have used in times past. I personally believe that there was a technology change, programming change, or code change that occurred at citi with their payment processing systems which has caused payments like mine to be returned now when they were accepted prior. I was never informed that there was a system change which would require me to change the way I made payments with Citi. I believe this is a broader issue impacting other customers as well so someone needs to speak with the head of payments processing/technology and research what changed and why it changed. I am a compliance manager for a competing bank within their small business credit card division and fully understand how small program or system changes can impact a customer segment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Balance transfer

Complaint: I WAS APPROVED FOR A BBVA XXXX XXXX CARD IN THE MONTH OF XXXX 2015. I USED THE CARD XXXX TIMES AND PAID THE CARD OFF TO XXXX. I WAS LATER SENT BALANCE TRANSFER CHECKS IN THE MAIL IF I WANTED TO TRANSFER OTHER HIGH RATES INTEREST CREDIT CARDS TO MY BBVA XXXX XXXX. ON THURSDAY XXXX XXXX, PROX XXXX I CALLED BBVA XXXX XXXX CUSTOMER SERVICE TO CLARIFY HOW TO USE THE BALANCE TRANSFER CHECKS. THEY TOLD ME IF I WANTED TO PROCESS THROUGH CUSTOMER SERVICE THAT IT WOULD TAKE XXXX WEEKS. THE INSTRUCTED ME TO TAKE THE CHECK AND DEPOSIT IT TO MY CHECKING ACCOUNT AND ONCE DEPOSITED THAT I COULD WRITE CHECK FROM MY ACCOUNT TO PAY BALANCES OFF. AROUND XXXX I TOOK THE CHECK TO MY LOCAL XXXX CA BRANCH. THE BRANCH TOLD ME THAT THE WOULD HAVE TO CONTACT THE CREDIT CARD DEPARTMENT TO GET APPROVAL AND AUTHORIZATION FOR THE CHECK. I WROTE THE CHECK OUT FOR {$4000.00}. AFTER XXXX MINUTES IN THE TELLER LINE SHE CAME BACK AND SAID EVERYTHING WAS APPROVED AND THAT THE MONEY WAS AVAILABLE IN MY CHECKING ACCOUNT. THE CHARGE WAS SHOWING ON MY CREDIT ACCOUNT FOR {$4000.00}. ON MONDAY XXXX XXXX I GET NOTIFICATION THAT THE CHECK THAT WAS APPROVED FOR THE BLANCE TRANSFERRED HAS NOW BEEN RETURNED TO MY CHECKING ACCOUNT CAUSING IT TO REFLECT {$3600.00} OVERDRAWN.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was impacted by the data breach at Equifax. My personal information, including my full name, social security number, and my date of birth, has been compromised. This could result in identity theft and impersonation attempts. 

https : //www.consumer.ftc.govXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian.Com has reduced my XXXX and credit score to " Poor '' based on an account that has been closed since XXXX which has recently shown up on my credit report as unpaid. The account shows that it was opened in XXXX XXXX with XXXX but I have not had an account with XXXX and I do not owe them for past services. 
XXXX has billed me {$480.00} for an account they claim was opened on XXXX XXXX XXXX. I have not been a XXXX customer since XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted XXXX but they have not been able or willing to resolve this issue. I am asking the CFBP to exercise it 's rights and duties under the authority of the XXXX and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. 

I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. 

Your prompt, thorough and corrective response is greatly appreciated and much needed, 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 non-monetary relief
Consumer complaint received 03/22/2017 about Debt collection (I do not know) with ACCELERATED COLLECTION SERVICE, INC (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I tried to verify the company name and license number which they were unwilling to give. I tried to verify the name and amount of the creditor which they were unwilling to give. I tried to verify the name and address of the person they were trying to contact and they were unwilling to give. I asked for the first and last name of the collector contacting me and they were unwilling to give. After repeated attempts ( asked for each piece of information 6 times ) to verify any information, they became abusive and threatening, telling me if I did n't verify my identity they could take legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Managing the loan or lease

Complaint: dispute of response case # XXXX so again i do n't see where my principal only payment of {$50.00} paid on XXXX XXXX was reversed..what date was reversal applied?

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My account number is not indicated on my statement. 

My statements do not show the correct amount of interest paid for the calendar year. The individual payments online show the interest paid per payment, but there is no total indicated anywhere. My statements also show the individual amount paid, but then indicate {$0.00} interest paid for the calendar year. 

When contacting the company XXXX regarding their information being incorrectly shown, and not readily available, their response was to individually look up every single payment and total the interest myself based on that history. I advised this is not an acceptable solution, as their statements which can be downloaded and saved are incorrect and do not indicate the interest paid per year. I was told to then go online and look at individual payments ( again ). Then I was told I needed to request that yearly summary from XXXX directly to receive the total interest paid if it was less than {$600.00}. So I requested a copy of this yearly statement ( as they had literally just told me I needed to, though this is not listed on the website anywhere ) and was told " you will be able to access that information online at any time ''. She is giving me the runaround through the entire conversation. 

I then repeated that the statements online are incorrect. and she copied and pasted a blurb about the XXXX ( not the XXXX which I was asking about ) and how to dispute the XXXX I repeated my requests regarding incorrect statements and the yearly statement that apparently you have to request, and is not provided otherwise. Her response, " The loan is paid in full, what needs fixed? '' I am beyond frustrated and have asked to speak to a manager in which I am told I must call in, or request a call back within 48 hours. 

I have never been more frustrated, and provided incorrect information with zero answers to my questions. I have 3 other loans with XXXX in which ALL of the requested information is not only provided on their website, but is easily accessed, totaled per calendar year, and life of loan, as well as correctly indicated on their statements that are available to be downloaded. 

It is completely ridiculous that they are refusing to correct their statements which show the wrong information, when these statements are a more standard and reliable source to show the interest paid compared to screen shots of every single individual payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a loan with XXXX XXXX at XXXX XXXX XXXX XXXX. Pa. XXXX Their phone # is XXXX. XX/XX/XXXX I have received a message EVERYDAY on my home phone from XXXX at XXXX. His message varied about wanting to increase the loan and also stating I have not made my XX/XX/XXXX payment on time. Since I have auto pay with my bank and have never missed a payment to anyone in my life -- I basically ignore the calls. They continue. On XX/XX/XXXX I call XXXX. He says I did n't make my XX/XX/XXXX payment. I go online while he is on the phone and find the payment and and the picture of the check and stamp from XXXX. He does n't believe me-so I have to fax a copy of the cashed check to him. Then INCREDIBLY I get home and he AGAIN is on my home phone message saying that I have to now send a copy of my bank statement to show my bank took the money out of my account. I find that unbelievable but I complied. I have now sent by mail a copy of my bank statement with the check number and showing the bank cashed the check. XXXX calls ( Ihave all the messages ) -then a fax of the cashed check ( still not enough ) and finally I have to send my private bank statement to hopefully stop this harassment!!!! This co. and this employee need to be kept in check. Absolute harassment to make someone prove they paid you after I send them a copy of the check they cashed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied in XXXX 2015 for a home loan modification with Nationstar Mortgage. After submitting approximately XXXX applications that were all denied, Nationstar foreclosed on my property on XXXX XXXX, 2015. Each time I applied, Nationstar claimed that I did not meet the debt to income ratio requirement. Throughout the process, I never spoke with a representative that understood the underwriting process nor did I have an opportunity to speak with the person assigned to my case. My case manager changed several times throughout the process. There was no continuity in the process. The calls I placed to Nationstar were repeatedly answered by a different mortgage processor. Therefore, the process kept repeating itself as each processor who reviewed my case reached a different a conclusion about the documents required. There were also instances where processors were unable to locate documents I faxed or scanned to Nationstar. The process was horrific. Having endured a heart wrenching, lengthy process and submitting volumes of documents, in the end Nationstar foreclosed on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern ; As you well know, I have had a plethora of incidences where I have reported and subsequently disputed items on my credit report as both fraudulent or not mine. Upon reviewing my most recent disputed items and their completed status, I have come to realize that some new items are now reporting on my credit report that are certainly not mine. The following I am currently disputing as FRAUD. These accounts, inquiries, collections, etc. have been wrongly reported in my name due to being fraudulently opened in my name. Please dispute them accordingly. 

COLLECTION - XXXX XXXX Account : XXXX Original Creditor : XXXX XXXX Date Opened : XXXX Amount owed : {$2800.00} INQUIRIES - XXXX XXXX  Date : XXXX/XXXX/XXXX ADDRESSES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Thanks you for your help with this matter. 

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 08/13/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am being harassed by Navient collection company for a student loan. I have n't received any documentation stating that this is my loan. Having this on my credit report is causing a hardship and possible loss of job. I am currently going through a XXXX and this negative action by Navient may cause me to lose my job. Please have Navient to stop the harassment and send me any documentation that states this account belong to me. I am requesting immediate action due to the fact that this account is being questioned by the investigators.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Problems caused by my funds being low

Complaint: Bank of America gave me a fee for being over extended for a period of time, but I was n't over drawn for an over extended period of time. I contacted them and they agreed that I should have not been received that fee, but they could not remove it. I get paid on XXXX but they wont recognize the payment until Monday, even though its from their bank and they send it Thursday. I do n't make enough money to hand it away to a greedy bank who looks for ways to XXXX over its customers

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 10-07-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: refused loan payment, misinformation trying to charge me to make a payment

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 07/25/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I just found this company reported on my credit report. I also did n't receive any right to dispute, any validation or verification of debt from this company or any of the previous companies. Tried to find out about this debt from the original company, since finding it on my credit report a few days ago, who could give me no information on this debt except to inform me that it was owned by a different company last they were aware of it. This debt has been sold over and over and had been previously removed from my report due to not being validated as being mine ( I have had my ss # personal info used before by someone other than me, so any debt needs to be shown to actually be mine ) previously by a different company. Now it has shown up again be a company who bought it, I assume, who has had no contact with 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 explanation
Consumer complaint received 06/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a federal tax lien on my credit report that needs to be removed. The lien has been paid and released as you will see in the documentation provided. I have contacted the credit bureau to have this removed and they will not. I have asked for the reporting person or entity that put this on my record and they will not provide me with anything other that the XXXX County Recorder of Deeds office. I have contacted this office to see if they would remove it from my credit report and they informed me that they did not report it to any of the credit bureaus nor do they ever. They only file it as a public record. When I informed the credit bureau of this they insist that they communicate electronically with the reporting entity and they are waiting for a response. I then asked " well if you communicate electronically with the reporting entity, who is the person on the other end that will answer you? '' They said that it was an employee with the XXXX County court system and that they would respond. I asked once again who that was and they refused to provide me with a name. I then did some more investigating and actually talked with the XXXX County Commissioner ( XXXX XXXX phone number XXXX ) and he did some research for me. He states that the Court case number and the docket number provided to me by the credit bureau belongs to XXXX County and that the Federal tax lien does not show up in their records for me. He further stated that neither him nor any department in the XXXX Count Court system reports anything to any of the credit bureaus. I also spoke with the IRS who had the court place the lien on me and they told me that they were not the ones who reported to the credit bureau. Like the court system they say that they never report tax liens to the credit bureaus. I can not get any information from the credit bureaus so that I can contact someone to try and get this removed. With everything else that is on my credit report I have contact information of someone that I can contact to try and resolve the situation and resolve the matter. I do not have that same opportunity with my tax lien as the information being given to me by the credit bureau is false.

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