milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX is an agency Ive never heard of. They demanded me to provide them with my information in order to release who they are. I wasnt asking for account information, but a brief description of who they are and what they do. I spoke to someone and they told me well, when you are ready to provide your information, then you can call us back and then hung up on me. I called back and took a risk by verifying my birth date and I discovered XXXX   XXXX XXXX located at XXXX XXXX XXXX, AL was a 3rd party collecting for XXXX. This was for a XXXX bill in the amount of {$720.00} for a phone. The next representative was polite enough to talk to. I informed her that I wanted a statement in the mail and would be willing to take care of the balance or work out a payment plan once I received it. It appeared she took what I said personally and said that I am refusing. Her tone of voice changed. She became very cynical and was unprofessional. I am very skeptical with making payments to this company. This is a collection agency and I would like for the phone calls to be monitored to and from my cell number.This way, it will reveal how these representatives talk to people and how they represent their company. I am more than willing to take care of this, but I rather have a statement first before I give my personal banking information to them and that is something they could have verbally said to me in a professional way instead of being impolite and hanging up on me. 

I spoke with XXXX and they recommended that I speak with a manager at XXXX XXXX XXXX. I sent them an email and has yet to receive a response and I have still not received a letter regarding how much I owe. I would like something in writing. 

Once this is resolved I would like to talk to a supervisor to manage my account and work with me on some type of payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (I do not know) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ENHANCED RECOVERY CO has damage my financial life by reporting falls information to the credit bureaus for an account is not even mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Attached you may find proof of consecutive payments to XXXX XXXX. Navient reported private loans to the Credit Bureau as charged off and closed. XXXX has informed me they do not own the account and are simply collecting on behalf of NAVIENT and NAVIENT owns the account and can report the account in repayment. XXXX is not reporting the account. I am trying to enlist in the XXXX XXXX and to complete enlistment the XXXX XXXX needs a XXXX Online Report reflecting payments and updated status on Navient private loans. My enlistment is contingent on providing clarification of this reported charge off by NAVIENT on my credit report as in good standing and under repayment. Please help my dream come true to serve for my country. A Supervisor from XXXX XXXX has asked me to contact NAVIENT and speak to a supervisor since they do not own the loans and I have been repaying on time since XXXX of 2012 and payments are going to NAVIENT and not XXXX. I kindly ask for your assistance in facilitating any communication to the Credit Bureau since the loan is appearing as NAVIENT charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Arbitration

Complaint: I am a victim of fraud I was told that XXXX was a part of XXXX. My computer was infected. The company, XXXX XXXX, fixed my computer and told me I needed to buy another version of XXXX. They told me the service was good for a year. My computer is now dead. XXXX is in the process of suing the company and told me to get my credit card company involved. Citicard has refused to help me in refunding the? XXXX that was billed.

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 03-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was billed this amount even though I closed my XXXX accout before the next billing cycle. I do not owe this amount. I have talked to XXXX on several occassions. They agreed they would dischare the amount that XXXX do not owe if I resumed my cell phone service with them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Over the past few weeks, I have been harassed by my mortgage company, particularly by this XXXX agent, XXXX XXXX. He talks down to me and is very negative. I had a call with him last week and one today, XX/XX/XXXX. He does not listen and talks over me and he talks to me like I am behind and will not pay, when I have paid them monthly. I sent them a letter back in XXXX when I had a major home repair that caused me to pay them after the XXXX of the month. They did not respond. 
I spoke with another agent who called and he gave me another fax number to resend the letter and I resent the letter successfully. They did not respond from XXXX when I resent the letter until yesterday. I received a letter confirming that they did not make a late report to the credit bureau. The first agent ( a female-XXXX on XXXX ) asked for when I would get back on point and I told her by XXXX. She did a review of my finances and said that I do have the ability to pay my mortgage based on my income and noted that I would be back on schedule by XX/XX/XXXX. I thought that would have ended the phone calls, but recently, XXXX XXXX has been harassing me and causing me stress.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY ().
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Dear Sir or Madam, I have the following case with American Express : My account was cancelled upon my own request back at the end for XXXX. After the account closing, I received a refund of an airline ticket of {$75000.00} however, the credit card company has since then failed four times to  refund me the amount. 

After one check expired due to late forwarding to my address in XXXX I have spent several hours on the phone with American Express to repeatedly issue a refund check ( or any other payment method ). 

American Express has since XXXX XXXX not managed to complete my request. 
I have called during the following dates ( early dates not precise to the day as I did not think it will take that long ). 

XXXX - requested reissuing XXXX - New check issued and not received at XXXX address XXXX - New check issued and not received at XXXX address XXXX - New check issued and not received at XXXX address XXXX - New check issued and not received at XXXX address The simple excuse is always that is is an issue of the USPS and abroad postal service, however that will not explain a loss rate of 100 % in 4 cases. 

It is easy for an finance company to impact your credit score but how are credit card company 's behaviors being rated?? 

I am still waiting for the refund that has been always acknowledged by the workers at the hotline at American Express. 

Nothing is moving and I doubt that Amex has the intention to actually do a refund. 

Best Regards,

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 Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company is representing an apartment complex I lived at. After two years they are stating I owe them $ XXXX. I have attached email between me and the apartment property management. They have now sold the file to a collection company while in dispute. Also I stated the rental box was broken into when I put in my 60 day notice. Should n't they have all this information? Should they have not done a police report? Property : XXXX XXXX XXXX Unit : XXXX Account # : XXXX Current Balance {$5400.00} I have disputed this prior to being sold as not mines and I do n't owe any moneys why they have sent collection is against the law.

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 11/20/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: I have a credit card and and an unsecured loan with WF. My payments are {$500.00} plus on one and $ 200plus on the other. I have asked WF to consolidate these loans so that I can reduce my payments. My payments are on draft so I have never been late. WF underwriters keep telling me they can not do this. With consolidation I can have a lower payment each month and your loan is paid off. I am so sick of asking WF TO HELP ME, instead of their bottom dollar. There is no loss to you or me. It just helps me which I thought WF would try and help their customers. For so long I tried to get a refinance on my mortgage, which my local bank said was not authorized by your underwriters. I took a job in Florida and guess what they had no problem helping me out and refinanced my loan. I am being forced to seek help from the banking regulators just have a loan consolidation which is ridiculous. BEFORE I DO THIS ... .PLEASE HELP ME! I have my mortgage with you, I owe {$160.00} plus..but the market place in our country club says it s worth XXXX, but can not get an equity loan with you! PLEASE LOOK INTO THIS!

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 11/28/2016 about Debt collection (Non-federal student loan) with Performant Financial Corporation (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: PERFORMANT is notorious for strong-arm collection tactics, including ruining credit reports for non-payment. I do not owe this debt to PERFORMANT. It is a student loan that is current with XXXX. I do n't know why they are trying to collect from 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 12-12-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX of 2017 I started refinancing my current residence with XXXX XXXX XXXX, the same people I have my current FHA loan with. We wanted a conventional loan with no PMI, and finally were in the equity position to do it. Fast forward to XXXX XXXX and the refinance is completed. Or so I thought. I started getting collection calls from Loancare, the loan servicer, XXXX XXXX that my loan was past due for XXXX. XXXX assured me all was well and to ignore for now. XXXX XXXX I was still getting collection calls. I spoke with the representative at the servicer, Loancare, who told me with XXXX the payoff could have been delayed. Then on XXXX XXXX I am told by my loan officer that the wrong payoff amount was wired by the settlement agent, XXXX XXXX XXXX, but it was corrected and will be done in 24-48 hours. A contact at XXXX XXXX XXXX tells me he has nothing to do with it although his name is on the closing docs. 
It is XXXX XXXX now and I still show a balance on my loan of over {$280000.00} and I am late for XXXX and XXXX. I brought a Cashiers Check to the closing table for any additional funds. I am being told the wrong amount is being wired by XXXX XXXX to XXXX to pay off the original mortgage. They are sending the amount on the Closing Disclosure and being told it is not enough. Then it takes 3 days for Loancare to tell XXXX XXXX the amount is incorrect and does not tell them the correct amount, even though it matches the Closing Disclosure. The XXXX at Loancare tells me to call the settlement agent and is unreachable by phone. Nobody at Loancare will clear this up. Please help 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 07-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: A valid Notice to rescission under TILA was sent on XX/XX/XXXX. 

All party 's did not unwind the alleged transaction, nor did they start according the REG Z, XXXX and XXXX. No court vacated the Rescission. They been operating as if the Note, Loan and Mortgage is valid. It is Not. Sent again on XX/XX/XXXX. No law suit to challenge the Notice of TILA Rescission has every been filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Other bank product/service) with First Data Corporation (NJ).
Issue: Account opening, closing, or management

Complaint: I opened a XXXX and leased a credit card machine the business was n't doing well and had to be closed. I was told that if I returned the equipment everything would be fine so I did. I was never told that I would be responsible for paying for the equipment even though it was returned to the merchant. The company first data has this account on my credit report and it 's affecting my ability to get a mortgage. Please help me remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Pinnacle Credit Service at XXXX XXXX XXXX XXXX MN XXXX harassed me for month after month to collect a debt which they could not legitimately verify, now after paying so called debt in full they refuse to send me a receipt that I paid it. I have the money order receipt to prove that I did indeed pay it, it is XXXX XXXX. I demand that they send me a XXXX balance receipt. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: I am being charged overdrafts fees for transactions that I should n't be. I should only be charged for XXXX overdraft fee and that is when I withdrew {$80.00} from the atm because I have also been having issues trying to get a debit card sent to me. When I withdrew {$80.00} I had money in my account but it was n't enough so that is the only time I should get the fee. Well BB & T decides to process my transactions in the order they want so I occur more fees instead of the order I used my card. So as of XXXX overdraft fees were {$100.00} when I called the customer service line she was supposed to credit XXXX and have a supervisor call. Well today XXXX XXXX 2015 I see I have another overdraft fee for {$72.00} because they charged me {$2.00} for calling them. I called back and was told XXXX thing from customer service and when I called the Branch in XXXX VA off of XXXX XXXX, XXXX told me something different. She also told me a Manager could not help me. I want this taken care of before I get my job to direct deposit my check. I should n't be charged almost {$200.00} for nothing. The only time I used my debit card to overdraft was XXXX time only and that was the last time I used it. If I did n't do that last withdrawal none of this would be happening. Its sad banks manipulate the way they post transactions to occur more fees for their clients.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: After graduating in XXXX XXXX from XXXX, my loans far exceeded the amount listed for monthly payment. I attempted to file for Income Based Repayment, online but the website would not allow me to bypass a specific page to file my information. I even attempted to send my information via mail on two occasions only to hear from Navient/XXXX that " they did not receive the paperwork. '' During the period of time from XXXX I was continually pushed into forbearance by each Navient/XXXX rep, on multiple occasions being told that no money would be added to my principal at the time. In XXXX, I finally realized how much capitalized interested had been added to my loans and paid them down immediately. As I have worked to pay them down further throughout this year ( XXXX ) I 've noticed that XXXX of the XXXX loans I have paid off in full over 3 months ago do not reflect as such on my account. I hope that all involved are tried and prosecuted. Put me on the stand!

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ARS National Services, Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that XXXX XXXX ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XX/XX/XXXX. 

I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score. 

I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX. 

In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, XXXX XXXX has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections ARS National Services on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to XXXX XXXX ) I am on the " OPT OUT '' list for Credit and Insurance. 

XXXX XXXX from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week. 

XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I and my husband are victims of wrongful foreclosure filed by The Bank of New York Mellon acting as Trustee for XXXX XXXX XXXX. 

On XX/XX/XXXX we signed a Mortgage Contract with XXXX XXXX XXXX , XXXX, who in XX/XX/XXXX was purchased by XXXX XXXX XXXX. According to the mortgage agreement, the lender was XXXX ; and XXXX was named as a mortgagee. Based on XXXX website, our loan has inactive status with XXXX and the Servicer is XXXX XXXX XXXX. 

On XX/XX/XXXX, or more than 10 years after we signed loan agreement with XXXX XXXX XXXX, the Bank of New York Mellon filed a foreclosure case acting as Trustee for XXXX XXXX XXXX. In support of this complaint Bank of New York attached a copy of the Note which has a stamp signature of XXXX XXXX XXXX, a well-known robo-signer and former managing Director who does not work for XXXX since XX/XX/XXXX. The Note was accompanied by purported " chain of endorsement '' signed by well-known robo-signer XXXX XXXX, XXXX " Vice President ''. 

In XX/XX/XXXX Bank of New York already tried to file a foreclosure case against our family, XXXX, but was not able to provide any documents. 

In XX/XX/XXXX case Bank of New York Mellon recorded an Assignment from XXXX to Bank of New York. In XX/XX/XXXX case the second page from XX/XX/XXXX Assignment of Mortgage was used as purported " chain of endorsement '' to our Note signed in XX/XX/XXXX. 

When we tried to contact Bank of New York Mellon and their Servicer, XXXX XXXX XXXX XXXX, to request copies of original Note with full chain of assignment, they failed to provide us this documents, as well as prove that our loan was a part of XXXX XXXX XXXX. 

In XX/XX/XXXX XXXX created at least XXXX XXXX, each worth billions of mortgages. Here are no single documents in support that our loan was part of XXXX XXXX and not any other Trust. 

Moreover, Statute of Limitation already passed to collect anything on this loan long time ago under all applicable laws. Furthermore, XXXX can not accept any securities transfers after 90 days from its closing day, which was no later than XX/XX/XXXX. 

When we asked Bank of New York Mellon and their Servicer, XXXX XXXX XXXX XXXX to validate payment amounts, they always sent me completely different amounts and were not able to explain how it was calculated.

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