milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2017 about Debt collection (Other debt) with Beard & Lane, P.C. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX XXXX, a collection attorney ( Beard & Lane Attorneys At Law ) has charged my HOA account {$2700.00} for attorney fees when I was already in a payment agreement with the XXXX XXXX XXXX ( XXXX XXXX ) that I would make my own siding repairs at XXXX XXXX XXXX XXXX in exchange for a HOA Credit. I also paid for siding repairs and some credits were disallowed for {$2800.00} ( see attached invoices ) for {$18000.00}, while I was only credited {$15000.00}. In addition, I was charged {$1500.00} in late fees while I was making the agreed repairs. 

In addition, they have violated 3 FDCPA laws to include : 1. The collector ca n't add on any extra fees that your original credit or loan agreement does n't allow. [ 15 USC 1692f ] 808 ( 1 ). However XXXX XXXX has added {$2700.00} in legal fees ( see attachment ) and {$1500.00} in late fees ( see attachment ) to my HOA Fees. Beard & Lane Attorneys are applying my XXXX fees and credits to pay their legal fees and is threatening foreclosure in 2 weeks ( see attached ). 
2. They have Ignored my written request to verify the debt and continue to collect even though I made the request within 30 days of the notice [ 15 USC 1692g ] 809 ( b ). I sent a Validation of Debt letter XXXX/XXXX/XXXX ( certified mail ) and on XXXX/XXXX/XXXX, I was contacted by Beard & Lane to cash my XXXX HOA fees, which will be applied to their legal fees. I requested an updated statement with XXXX payments, which I have not received yet. 
3. I made a written request for the collector to cease communication ( see attached validation of debt letter ), but they emailed me on XXXX/XXXX/XXXX to ask me if they could cash my checks I sent for XXXX HOA. They can only contact me one more time, via mail to let me know one of the following : that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions. [ 15 USC 1692c ] 805 ( c )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was in the income based repayment plan and am having to pay to much! I am unemployed and have been for 5 years. I am a XXXX of XXXX kids. I can not work at this time. My husband is the only person working and supporting a family of XXXX. I asked for help and was given an amount to pay back but i cant afford what they want me to pay monthly. I have not recieved any notice of when i needed to redo my loans. I hope to get some help as i am way behind in repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XX/XX/XXXX I received a credit monitoring alert that notified me of a new collection account listing with XXXX XXXX credit bureaus. At that time, I had n't received any letters or notification from the company, Enhanced Recovery, who placed the trade line in my credit file. XX/XX/XXXX, I sent a letter to Enhanced Recovery - sent certified mail return receipt requested ( XXXX ) - notifying them of the placement in my credit file, that they had not provided any notification to me of a debt owed, and requesting validation of the debt. Although this letter was received by them, I received no response. On XX/XX/XXXX, I sent a XXXX letter to Enhanced Recovery, also sent XXXX notifying that they had not responded to my previous letter, although required by law, and were still continuing to report an invalid and unvalidated debt to the credit bureaus. At that time, I, again, requested debt validation or removal of the trade line. As of XX/XX/XXXX, I have received NO communication from Enhanced Recovery nor has the debt been removed from my credit file. They have continued, since XX/XX/XXXX, to insert and update a trade line in my credit file, causing significant damage to my credit rating. They have not responded to any of the letters sent to them. I have filed a complaint with the XXXX and the Texas Attorney General 's office as well, in an attempt to resolve this issue. Their continued violations are unacceptable, and in violation of both federal and Texas state law. This trade line needs to be deleted from my credit file immediately.

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 05/26/2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Optimum Outcomes has a negative listing on my credit file for a {$60.00} medical debt. The company providing the services was  XXXX   XXXX  which has sent been bought out. All insurance and co-pays have been paid in full.

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 09-06-2017 about Checking or savings account (Checking account) with TIAA, FSB (IA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX a check was deposited for {$510.00}. This was an insurance check and none of the funds were made available prior to the release date of XX/XX/XXXX. In addition, the bank has limited ways to fund an account. After being told that no checks would be returned, nor would any overdraft fees be collected, they immediately returned a check for {$100.00} and did not make me immediately aware of any holds on the funds, but did so by mail, received XX/XX/XXXX. I believe that several of the regulations set forth in Regulations CC and Expedited Funds Availability Act when an insurance check.

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Im trying to unlock my credit report from Experian. I was unable to answer the question correctly. I 've called Experian trying to correct the issue. But they are unable to help. They did send my personal PIN to the incorrect address, so someone else other then my self has my PIN. I told Experian about this and they said mistake happen and they we not concerned they sent my PIN to another person.

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 03/29/2018 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (NV).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX, Loan # XXXX  has transferred our VA Mortgage Loan Payments to Freedom-Mortgage without letting us know what is going on. Since the transition finalized by this two Financial Mortgages companies. I did contact Freedom Mortgage Loan # XXXX by ( e-mail ) several times. To let them know, I will not making no payments to my Mortgage VA Loan. Until Payment Rectification is make to my Escrow Payment. Since XXXX XXXX XXXX defraud me and my wife with our ( Tax-Exemption ) never been removed from our Escrow payment ever since XX/XX/XXXX through XX/XX/XXXX Seven payments has been made to our home since with tax including, Never remove from our Escrow payment at all. Therefore ; its a breach of contract, as well defrauding us with our Mortgage payment. Its also falls under : " False Statements Statute U.S.C. 1001. Section 2 '' Especially, the general Statute, 18 U.S.C. 1001, which makes it a crime in dealings with the fedral government to ( 1 ) falsify or conceal a material fact, ( 2 ) make a materially false statement, or ( 3 ) make or use document known to contain a materially false statement or entry. False statement statute. see also Exculpatory which also a breach of contract against us. We are seeking help to Relegate this Maladminister conduct which become a ( XXXX   ) in America. Nowadays. after 8 years of Collusion conspicuously.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inaccurate information id theft victim sent all po reports and hdp reports

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: Reporting delinquent on a old account. Over 7 years. Unable to verify remaining balance and show proof of value when car was auctioned

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Mortgage (Conventional home mortgage) with Nationwide Biweekly Administration, Inc. (KY).
Issue: Trouble during payment process

Complaint: Upon the closing of the purchase of our home in XXXX XXXX, we received a solicitation in the mail for Nationwide Bi-Weekly 's program. We signed up with Nationwide on XXXX/XXXX/XXXX, on the promise that our mortgage would be paid off sooner than 30 years. Our bi-weekly payment was set at {$340.00} for a total monthly payment of {$680.00}. We were charged a " one-time set up fee '' of {$340.00} at the beginning of the contract. In XXXX XXXX, we received a letter from Nationwide stating that " due to the loss of [ their ] banking relationships, [ our ] account will be temporarily deactivated effective immediately. '' We were further instructed that we should make all further payments to our mortgage lender directly ourselves. Just XXXX months prior, we had attempted to set up bi-monthly payments directly with our lender, and were informed that if we changed our payment plans, would essentially be terminating our contract with Nationwide, and we would lose our " set-up fee '' of {$340.00}. This was counterproductive to the goal we were attempting to accomplish, and no small amount of money for us to lose, so we felt we were forced to stay with Nationwide. Since XXXX XXXX, we have sought the assistance of the Kentucky Attorney General 's office, and did not get any relief. Now we have discovered that the CFPB recently sued Nationwide Bi-Weekly and won. In auditing our bank account for the amounts paid to Nationwide versus the amounts paid to our mortgage lender by Nationwide on our behalf, it appears that there was a difference of {$410.00} that Nationwide must have kept/profited, as that amount of money was not applied to our account with our mortgage lender, in addition to the {$340.00} " set-up fee '' that they are still holding, without just cause.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX ADDED A ACCOUNT ONTO ALL THREE OF THE CREDIT REPORTING COMPANIES AND I DISPUTED ALL THREE CREDIT BUREAUS AND XXXX AND XXXX INVESTIGATED IT AND REMOVED ALL THE ACCOUNTS FROM MY REPORT AND SENT A MESSAGE TO EXPERIAN STATING THEY REMOVED AND BLOCKED THIS XXXX ACCOUNT. EXPERIAN NEVER REMOVES STUFF UNTIL I GO TO FTC AND CFPB. EXPERIAN KNOW THIS ACCOUNT ISNT MINE AND UNDER THE FAIR REPORTING ACT ONCE ONE BUREAU REMOVES IT AS FRAUD AND SEBDS A REQUEST TO ADD A FRAUD ALERT THEY SEND A DETAIL MESSAGE WHY THE WANTED THE FRAUD ALERT ADDED. I WANT THE XXXX ACCOUNT REMOVED ASAP.

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 03-03-2017 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Making/receiving payments, sending money

Complaint: I completed a bill pay payment on XX/XX/2017 XXXX PNC to XXXX. I was advised by PNC on XX/XX/XXXX that XXXX ( the company that processes PNC 's bill pay changed the billing address and sent it to XXXX, who cashed the check, although the payee was XXXX. Dispute reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Ditech is current servicer on a mortgage loan transferred to them from Green Tree. All correspondence from them relating to possible modifications or other remedies come in the form of a letter, but it is never signed by anyone. Seems to me that whoever is sending me a denial etc should sign the letters. I feel that ever since the transfer of the loan that one person should be my contact in loss mitigation/modification dept. so I have a name and phone number. Personal contact is needed, but seems to me they always are changing people and its almost like starting over when a new solution is possible. Poor communication with no one person really having the authority to solve the issues involved. Suggestion that I make for a possible remedy never are presented to XXXX XXXX on my behalf.No real flexibility in working out a solution to prevent a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: charge on my credit that I did not make

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My husband and I requested credit investigations with Equifax back in late XXXX. Well over 30 days have passed. My husband received his credit investigation results but I have yet to receive mine.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (CO).
Issue: Problems caused by my funds being low

Complaint: I believe TCF bank submits items in an order that creates additional overdraft fees. I have several examples I can send in the next few days. My account has been overdrawn due to my own behavior, but I believe they have exacerbated the problem with unreasonableXXXX overdraft charges. I call them every month and they forgive a few but the next month I see charges moved around which creates additional overdraft fees to the tune of 100 's of dollars this year alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2017 about Credit reporting () with Convergent Resources, Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XX/XX/2016 I contacted Convergent Outsourcing Inc. to settle a debt that was not listed on my credit report at all. I spoke to a rep and she explained to me that the settlement is for {$270.00}, which by paying this amount the debt would be considered paid in full and it would be cleared up. I paid it and within the same day I received an alert that they changed my account twice ( they duplicated the payment and my credit card company reverse one of the transactions ). I thought everything was over, but in XX/XX/XXXX I received an alert from my credit monitoring app that Convergent Outsourcing Inc. is reporting this account to all XXXX credit bureaus as a unpaid account. I contacted Convergent Outsourcing and spoke to two different reps ( XXXX XXXX and XXXX XXXX ) and I explained that I paid this debt 6 months ago I have the confirmation and credit card statement to show that I paid it. I also asked both of them why did the company post this account to my report if I paid the account 6 months ago, neither one of them could explain to me what happen. The dishonest from this company and their reps and completely uncalled for. They should be able to report anything to the credit bureau if the account was paid and settled 6 months ago. This account needs to be deleted and an investigation needs to be done to see why this company is scamming 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 explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: A series of parking tickets were accumulated by my wife through XXXX  XXXX  University in the fall of XXXX. These tickets were eventually brought to collections. It is important to note that this debt did not originate from a contract, and according to the National Consumer Assistance Plan: XXXX , should not appear on my credit report. Starting in the spring of XXXX and through the summer this issue had be disputed to the three major credit agencies, XXXX, XXXX, and XXXX. However, all three did not apply the National Consumer Assistance Plan, and the hit to my credit was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (Medical) with California Business Bureau, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I dispute the validity of this entire debt. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. The XXXX is not bonded in Texas and is acting illegally. They will not send me proof of not being bonded in Texas so I can not send proof to the credit bureaus to remove these charges that I am not liable for. They also will not send me any proof that they have any sort of contract with the hospital that they say I had procedures at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: We took advantage of 0 % credit card offer for 18 months in XXXX of 2016 on our XXXX XXXX  credit card. We are a XXXX XXXX and we use our home as our mailing address for the XXXX. We moved in XXXX of 2016 and had our mail forwarded to our new address. Because we were concerned about missing any payments due to the move, we went to great lengths to keep track of when payments were due. No payments were ever missed on this account. Unfortunately, we recently learned that XXXX XXXX closed the account and have started to charge interest on the account. When inquiring as to why this happened, we were informed that the account was closed because we moved. This happened despite our payments being made and our mail being forwarded. <P/>We requested that the account be reopened and the 0 % interest offer be honored. We also requested a reimbursement of all interest charges that were charged to the account. XXXX XXXX has refused to honor their 0 % offer.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have contacted Santander trying to resolve this matter for years now. I was scammed with this vehicle as it was a lemon crashed and fixed sold as new. I had this car repossessed due to Finamcial Issues and was given an offer for {$300.00} but they refuse to after payment is complete remove the negative information. This is incorrect as I asked for a pay for deletion. This balance of XXXX is due to fees and all this other miscellaneous stuff they have added on which is unfair to me due to the circumstances of how this all ended.

Company response to consumer: Closed with explanation