milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (OK).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Judgement line was filed then LVNV funding started collecting. They hired an attorneys office they called said they were from a locators services and there was a civil criminal case against me and I was to call this attorney in XXXX. I never did. A few days later with no notice my checking account was garnished. How is this fair? Is any one going to do anything this time?

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have the same account on my credit report three times, XXXX are regular account the other was just added as a public record yesterday but shows a date of XXXX. This information is wrong this is XXXX account which should be paid in full. 
XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed XXXX Missed Payment {$1400.00} The public record listed below Reference Number XXXX Court Date Status Amount {$1400.00} Classification Type legalitems XXXX Other XXXX XXXX, XXXX Closed {$0.00} This account below is fraud. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$4100.00} The XXXX accounts below is not mines. 
XXXX Auto XXXX XXXX, XXXX Open - Collection/Charge-Off {$3000.00} XXXX XXXX Credit Card XXXX XXXX, XXXX Closed {$1000.00}

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 02-06-2017 about Debt collection (Medical) with American Collections Enterprise, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Medical bills have been paid in full not sure what to do

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
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Debt collector ( XXXX XXXX XXXX ) called and I did not verify debt or any information with them. Customer service rep stated this is your bill not mines. I have disputed a bill through them written and sent through that I had with XXXX and informed them in the letter that I would be paying XXXX directly. They have placed unauthorized charges on my credit report although the debt is owed to XXXX and NOT their agency. This has had a negative affect on my credit report and the call times have interrupted my job and time with family with the constant harassing phone calls for a debt that I do not have through their company.

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 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ASSET MANAGEMENT OUTSOURCING, INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Nationwide continue to call and harass me everyday at home at my job trying to collect on a debt is was paid satisfied. 
This company is breaking the rules!!!! 

Under the FDCPA, debt collectors are not allowed to : call you before XXXX XXXX or after XXXX XXXX.contact you at work if you 've told them verbally or in writing that your employer does n't allow you to get such calls in the work place harass or abuse you or anyone else they contact about you. 
lie about the amount you owe use deceptive methods to collect a debt from you. For example, they may not : falsely claim to be law enforcement officers claim that you 'll be arrested if you do n't pay your debt threaten to seize, garnish, attach, or sell your property or your wages -- unless they are permitted by law to do it and intend to do so give false credit information about you to anyone, including a credit reporting companyuse a fake company name

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo keeps avoiding the issue. The most important aspect of deciding a Reverse Mortgage is understanding all that is involved in such an intricate complicated form of a home mortgage. They continue to produce everything other that the most crucial counseling documents such as, an approved Office of Elder Affairs Counselor, an opt in document, face to face counseling with an APPROVED Elder Affairs. The Counseling certificate that Wells Fargo has produced is not even valid in Massachusetts.

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 01/19/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a cosigner on XXXX Sallie Mae/XXXX loans and have been in dispute with them for about 2 years. I will be brief. 
Payments were made during the student 's college years equal to or greater than the amount of the monthly interest so that principal would remain at v\borrowed amount. 
After XXXX, wehn the repayment period began monthly invoices began to come stating " Amount Due '' and whatever the figure was - and " Minimum Due '' as XXXX. I called literally dozens of times asking how minimum due could be XXXX and never got a consistent answer. Scripted call center workers could not answer even the most basic loan servicing questions. 
At some point I escelated this inquiry to a manager who explained that all of the payments I made over the years were put to " Pay Ahead '', an option that allowed the student more flexibility after XXXX. I explained that is was my understanding that this was paramount to escrowing my monies, which had never been disclosed. If it had been escrowed, I was owed interest and that I wanted the payment history recalculated to show the payments applied correctly against accrued interest and any overages should have been applied to principal. 
After 18 frustrating months and countless phone calls they have finally sent me XXXX pages of history. Keep in mind they had promised this paperwork at least 10 times before it actually happened. They had not really taken me seriously until I explained I had sought legal counsel and that my attorney needed these papers for forensic accounting. 
My daughter and I have paid for numerous 90 day forbearance periods while I try to sort all of this out. 
I am looking the CFPB for some help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Money transfer, virtual currency, or money service (International money transfer) with AMERICAN EXPRESS COMPANY (GU).
Issue: Confusing or missing disclosures

Complaint: XXXX XXXX XXXX Clerk of Court RM:XXXX United States District Court For the XXXX XXXX XXXX Circuit XXXX XXXX XXXX XXXX. 
XXXX D.C. XXXX Director Of CFPB Bureau of Financial Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX, D.C XXXX Attorney XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX, DC XXXX The purpose of my complaint is to petition the CFPB to have the Clerk of Court XXXX XXXX, The Director of CFPB, and Attorney XXXX XXXX XXXX XXXX, to review the Complaint number XXXX was filed by me, the CFPB staffs did n't allow me to have access to my own complaint I filed. Then, CFPB forced me, to have my wife write the authorization letter to add me on this complaint that belong to me. Then later, I can not able to see this complaint post on the CFPB complaint website. our documents were posted on this complaint above, my wife 's copy of her social security number, Copy of her XXXX ID, copy of the POA, copy of my XXXX Driver 's License, and those two copies of my Credit score from XXXX supposed to upload on the Complaint XXXX supporting documents I fax to the CFPB Fax number XXXX when I follow up the CFPB staffs employee lady told me, she does n't know where are they, and I have to refax again I asked her, if I can speak to the person receive those documents, she said, there is no telephone number, my credit score were XXXX fair, XXXX good, and XXXX very good on the copy I fax, I wrote, Att : CFPB Director. Reference number the case number above and the other one. 
The reason I put the Clerk of Court, I trust her, and also signed documents to Trade Secret with her, and the reason I address to the CFPB Director to let him know, what is going on with this CFPB office to corrected, and Attorney XXXX XXXX was our Attorney, and I talked to him to help us to transfer our money from the XXXX XXXX XXXX to our account here on XXXX. 
I also want to address that I declared our civil rights has been violated as well as our privacy has been violated too.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: XXXX, XXXX charged me {$4500.00} to provide social media to my XXXX. XXXX, XXXX failed to provide any services that were promised. During this period of time I have been unable to get ahold of them to resolve the issue. Frankly I have been completely scammed by this company and want my money refunded.

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 08/30/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MS).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I filed a chapter XXXX bankruptcy. My mortgage is through Citimortgage Inc. and the bankruptcy was complete as of XXXX/XXXX/XXXX. I was advised that I was to start making payments on my mortgage again as of XXXX/XXXX/XXXX. The trustee and the mortgage company had signed off that I was paid in full through the trustee through XXXX/XXXX/XXXX. Since then, they have constantly insisted that I was a month behind in payment and the trustee brought them to a hearing that they did n't even attempt to show up for and the judge signed a court order that the bankruptcy was paid and current through XXXX/XXXX/XXXX and we had bank statements proving that we were paid current. They will not acknowledge the court order. They keep insisting they never received it as well as any other documents proving that we are current. They keep harassing whenever we make a payment and when we try to bring forth the court order they just absolutely refuse to admit they are wrong. We ask them to show us where we are behind and they refuse to do so. Now they are saying we are two payments behind and we have proof that it is not so. All supporting documents will be attached,

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 01/21/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I didnt know about this debt or anything. I tried to find out and was rude to and hung up on. I want this off my credit.

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 03-07-2016 about Mortgage (Conventional fixed mortgage) with FCI Lender Services Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My family had experienced a hardship. My fiance became XXXX and shortly after I had lost my job. I proactively reached out to the bank because just in case I ran into any trouble paying my loan. The bank was XXXX. XXXX placed me on a forbearance plan. I did not know that this would impact my credit. They asked me to complete paperwork for a loan modification -but before it was finalized sold my loan to XXXX XXXX . XXXX had modified my loan but sold it to XXXX XXXX. XXXX XXXX would not honor the modification and told me it was done wrong. XXXX XXXX changed the modification and increased it by an additional {$500.00} and sold my loan to FCI Lenders, LLC -/XXXX . They sent me a letter informing me that I was late on my payments. I was never late on my modifications ever and decided to discontinue my escrow account asking me to pay the principle only for XX/XX/2016 and XX/XX/2016 - the representatives name was XXXX XXXX ( XXXX ) XXXX. I explained to XXXX that my loan should be in good standing and that they can not change the terms of my loan. I also provided him with a tax bill - Anthonly informed me that FCI Lenders was sitting or holding over {$8000.00} in an account when they discontinue my escrow. I forwarded the tax bill and they have not paid it yet. I was then transfered to XXXX XXXX ( XXXX ) XXXX, I asked them to honor my loan modification and XXXX is telling me that my house is upside down and I should find another lender to give me a loan. XXXX informed me that they will take {$230000.00} for my loan. I forwarded all the bank statements showing them I have not defaulted on any payments. They will not continue my escrow and do not honor my loan modification. Why are we asked to complete all these forms and the government has a program and the banks sell your loan and then put the responsibility to show payment on the borrower and want to remodify my loan or get a new loan. Help me please - I can be reached at XXXX my name is XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan was acquired by LoanCare on XXXX/XXXX/16 and transferred to them on XXXX/XXXX/16. Our complaints related to this company are as follows : 1. We did not receive a welcome letter because they used an incorrect address. 2. Since the transfer, we have requested cancelation of the escrow account in writing. Other than an acknowledgement of the request, we have not received a response. We have over 20 % equity in the subject property. 3. We have requested in writing a full accounting of the escrow fund and an out of standard analysis, but have not received a response. Our prior mortgage company 's escrow accounting shows an $ XXXX refund to the escrow account for improperly procured lender-placed insurance, but LoanCare shows no record of that refund and says it is " lost in wirespace. '' 4. Despite providing proof of coverage in writing and having multiple conversations with various representatives and supervisors about our existing coverage, LoanCare continues to threaten that they will procure lender-placed insurance and continues to request that we provide proof of coverage, in an apparent error that is unable to be corrected. Also, the automated line is still advising that payments for hazard insurance are being made from the escrow account, so they must in fact have proof of coverage. 5. We are receiving conflicting information on flood insurance. On XXXX XXXX, XXXX representative names XXXX told us that part of our escrow payments consists of {$170.00} in flood gap insurance. We are not required to carry flood insurance based on our flood zone. On the same day, a different representative in the insurance group named XXXX said the entry is a " XXXX XXXX XXXX '' and is a " dummy '' entry and that we are not paying for flood gap insurance. She could not explain why the other representative had such specific information about the payment being made out of escrow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX is showing they are a factoring company on an old debt which they are not as well as they are trying to show revolving account with past due monthly payments being missed which collection accounts can NOT do. Filed a complaint with the XXXX ombudsman as well with no luck. Illegal and shady practices by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: Balance transfer

Complaint: I called Chase to talk to a representative about doing a transfer balance. Chase was offering a 0 % APR for 15 months and I had a large credit card balance that I wanted to transfer. This was a way for me to pay a lower interest on the balance that I carry and to make some headway to pay off the balance. After speaking the representative, I chose the XXXX application and applied. However, after I entered my transfer balance and got my account line information, it was much less than the amount that I wanted to cover. I have over {$13000.00} in credit card debt and paying a large interest charge each month. I feel deceived by the Chase website because it did not make it clear that my full balance amount that I wanted to transfer would not be eligible for transfer. I was only offered a {$1800.00} account line, which is much less than what I need to pay off the balance. I even called XXXX ( the credit card company that carries the {$13000.00} ) balance for assistance to help pay off the balance, but they would not offer me a lower interest. In the case of Chase, I feel that they should put a larger disclaimer so that future customers such as myself are n't fooled into thinking that their full balance will be opened to allow them to take advantage of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Recently I noticed a company called XXXX XXXX XXXX Reporting a debt for XXXX XXXX amount XXXX .. I called them and advised them this debt was included in bankruptcy case # XXXX chapter XXXX discharged XX/XX/05.. their response was we don't have any information about that.. when I researched this company, they attempt to collect old debt. They are still reporting this debt to the credit bureau which is affecting my credit

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 09/26/2015 about Debt collection (I do not know) with Harris & Harris, Ltd. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Was getting weekly robo-calls from Harris & Harris for a year or more and then the calls seemed to stop, until today.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing statement

Complaint: I had been using a Best Buy card, provide by Citi, and somehow became two months behind on my payments. They then called my mother, told her my balance, and allowed her to pay on it. I was under the impression that they could not do that. I 'm XXXX, and have no information regarding my parents or their contact info.

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 03/24/2016 about Mortgage (FHA mortgage) with FCI Lender Services Inc. (MS).
Issue: Loan servicing, payments, escrow account

Complaint: FCI Lender services became the servicing company for my mortgage loan ~3-4 years ago. I have been paying on the loan since this time with no late or past due payments. Upon refinancing another mortgage I learned none of my payments ere being reported to the credit bureau. In order to pay off this company a verification of mortgage was needed. This process was very complicated and I later found out cost {$25.00}. This charge I was unaware of until I received my monthly statement. On XXXX/XXXX/16 I called in to pay off my loan. Upon speaking to the CSR I was told that I could n't pay off my loan without a payoff. After telling her the amount I was given on the verification she informed me that amount was n't correct and I would need a payoff that would have to be sent in the mail. This would take time and the interest as well as monthly draft would continue. After much discussion, she informed me of the {$25.00} outstanding fee, as well as an {$18.00} fee for phone payment that would be added to the amount that she could not verify as the payoff or not. After making check payment, I was informed the check would take 10 days to clear which could involve further interest as this had to be verified by the lender. I requested to speak with a manager and initially told the manager was gone because they had already closed. Then asked to hold on for her to find someone. XXXX came to the phone and offered no resolution to the issue of waiving any fees and again assured me of the time frames of check clearance and the possibility of further interest accrual. She also informed me the request for a payoff was {$30.00} and the only way to get funds quicker was to wire the money or do cashiers check. Again, more money to simply pay off what was already owed.

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 06/19/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (GA).
Issue: Settlement process and costs

Complaint: Loan Number XXXX was Paid in Full on XXXX/XXXX/2015Seterus has not returned Reconveyance / Escrow for $ XXXX have faxed them copies of their own records in order to eliminate any question ( s )

Company response to consumer: Closed with explanation