milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Last year I had a collection from XXXX show up on my Experian credit report. The item was removed due to error by the collector XXXX This item has since reappeared on my Experian credit report even though it was already taken off once before. There is no basis for this collection, and it was already acknowledged to be erroneous. Experian failed to send me written me notification that this collection was being re-inserted into my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ).

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 02/14/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (PA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Diversified Consultants is the company name they gave. They have repeatedly called me and both of my parents ( I'm XXXX ) threatening that the police are coming, that they are coming and going to charge me with 35 counts of something. I have full phone call logs and have kept the voicemails. They said they are trying to collect {$810.00} for XXXX XXXX. Somehow they are also getting around being blocked. Dates of calls start XX/XX/2018 this has been happening up to 16x in 1 day! I called them and they deny it but as I said I have the proof. This should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed a collection on my report from XXXX XXXX XXXX XXXX who claims they are collecting on behalf of XXXX. Account number that shows is XXXX. Transunion refuses to remove this incorrect collection from my report. I am including proof I do not owe money for this. As you can see I have a {$0.00} balance with XXXX because student loans paid for 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 12/21/2017 about Vehicle loan or lease (Loan) with American Acceptance Co., LLC (MO).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I have tryed to tell them need payment moved to a different date in comes due with insurance payment making it hard to keep paid on time and also I have told them I get income once a month low income disiabitly and they will not work with that been fighting with them about this over a year and now late charges and its high interest rate to start with they refuse to work with me and they call my phone every day and all hours I ca n't deal with telling them every time they call XXXX XXXX XXXX is high interest its unreal never again will I have some though them and they refuse to work with a person I been paying for over 3 years now and hope to have it paid off in the next 8 months if they stop adding to it

Company response to consumer: Untimely response
Consumer complaint received 05-11-2017 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Financial Freedom LN   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX  We have requested a copy of the appraisal that had been used to value this property multiple times. We have requested it 3 times directly from the negotiator,  XXXX   XXXX .  Two t imes via email and once via phone call. She has completely ignored our requests.     We have also called in t o Financial Freedom a nd they have outright refused to provide a copy of the appraisal.     Refusing to provide a copy of the appraisal used in a value decision is a direct violation of the ECOA guidelines ( a copy is attached to this complaint ).     We believe there has been valuation fraud on this file, an d Financial Freedom is r efusing to provide a copy of the appraisal, as per ECOA guidelines.     This property is  a Mobile Home on a Cinderblock Foundation and Financial Freedom  is hiding the fact that they have accepted a value on it that compares it to a single-family residential property. The value that  Financial Freedom  has come up with are in line with the market comparables for Single-Family residences in the area. This value is NOT in line with market comparables for a  Mobile Home on a Cinderblock Foundation .     Again, this property is NOT a  Single-Family Residence. It is a Mobile Home on a Cinderblock  Foundation. Any value that would have been arrived at by comparing this Mobile Home on a  Cinderblock Foundation t o a Single-Family Residence is FRAUD.      Financial Freedom  has either  1 ) either committed the fraud on purpose, 2 ) wer e too stupid to review the appraisal, or  3 ) they hired an  XXXX .      None of those are acceptable excuses for  Valuation Fraud .     We believe thi s Valuation Fraud is  being done on purpose to defraud the Federal Government and t he US Taxpayer.      Als o, Financial Freedom is  claiming that the foreclosure auction will take place on  XX/XX/XXXX . We have checked wit h the county and a Notice of Trustee Sale  has not been recorded. Not only that, but the seller died in  XXXX  of  XXXX .  ( See attached Death Certificate. ) T here is a 12 month moratorium on foreclosing on the property of a deceased person. That means the Estate of the Deceased has 12 months to sell the property before the foreclosure proceedings can even begin. The original estimated foreclosure date on this property was in  XXXX   XXXX . That means that  Financial Freedom st arted the foreclosure proceedings in  XXXX , as soon as they found out he was deceased. THIS IS ILEGAL.  Does Financial Freedom  plan to Illegally Foreclose on the property?

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Debt collection (Medical) with Law Offices of Ross Gelfand, LLC (AZ).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I received a call on XXXX/XXXX/15 at XXXX from XXXX XXXX XXXX XXXX XXXX She asked me to verify my address etc. and then she told me she was calling to collect a debt that was established by the Law Offices of Ross Gelfand LLC and that they took over the account. I told her that the the office of Ross Gelfand was notified by my attorney ( I have a letter dated XXXX XXXX, 2015 ) that he was handling the matter and that she just violated the FDCPA Act by contacting me directly instead of my attorney. She said I never notified them which is a diversion. They should know if they took over the account

Company response to consumer: Untimely response
Consumer complaint received 02-12-2018 about Debt collection (Medical debt) with S&S Physician Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I went to XXXX XXXX XXXX on XX/XX/XXXX. The amount I was required to pay was XXXX XXXX dollars for my co-pay, which was paid in full. XX/XX/XXXX I received a bill from XXXX XXXX for XXXX XXXX XXXX dollars. I spoke to the manager who told me to talk to my insurance company. I spoke to billing who said I was only suppose to pay the co-pay. She also emailed me a copy of the explanation of benefits ( which is included ). XXXX XXXX XXXX reported the erroneous information to the credit bureau, which dropped my scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Loan in good standing, paid off two months ago, then transferred to new servicer ( from XXXX to American Education Services ). On XX/XX/2017 I had {$19.00} taken out of my checking account without my consent to cover a supposed {$0.00} remaining balance ( even though the loan was paid off, and shows on my credit reports as paid off/closed ), but that {$19.00} would be returned to me within 30 days. Today, only three days later, another {$19.00} has been taken from my account without my consent ( or even providing the new servicer with my account information ) for my PAID-OFF LOAN, and their site has very little usable information. This ca n't be legal. I ca n't afford to keep having random payments I did n't agree to taken out of my checking, again, for a loan paid in full months ago. Are there damages I can collect for this?

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was a XXXX XXXX XXXX XXXX, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different XXXX employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that XXXX would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that chase had reported in XXXX a charge off. 
I also remember receiving a XXXX from chase that I sent to the lawyer regarding the charge off debt.

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 07/13/2015 about Debt collection (Medical) with Professional Recovery Consultants, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I needed emergency assistance XX/XX/2015. 

For the past three month, I 'm getting calls from XXXX XXXX XXXX for a dept I do not owe. 

When the dept collector XXXX called I gave my information, thinking it was a mistake, I wanted to clear this matter. 

After speaking to the collector. I called the XXXX XXXX ( XXXX ). I was told by the accounting department, I was in good standing. I had reached out to XXXX earlier, after receiving my XXXX bill, I was told to wait on payment due to the fact they had been submitted to my insurance. I submitted a claim to my insurance. XXXX, they paid most of it. I made arrangements with WE. I would make XXXX equal payments to finish off the balance. 

When I called the XXXX, they confirmed, I am in good standing and I have not been sent to collections. I was advised by them not to share any more information with collector. I gave XXXX all the information I had. I was told this information would be filed. 

I have reported the number several times. I have spoken to them twice to explained this to them. The last two times I have expressed the harassment I feel after getting these calls. I have expressed to them that I am still working on recuperating. 

Please help me with this matter. Company info follows:XXXX Professional Recovery Company

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have requested validation of three accounts and was told my request for validation could not be fulfilled in writing. While the accounts are still being reported negatively to all major credit bureaus regarding the alleged debts. I have disputed the accounts with the credit bureaus and havent received validation from either party.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (CT).
Issue: Application, originator, mortgage broker

Complaint: Dear CFPB : My husband and I applied for a refinance with TD Bank, where we have our accounts, of our XXXX XXXX XXXX home loan for our house XXXX from a 30-year mortgage to a 15-year loan. We submitted all the forms to TD. The first issue that was problematic was that the loan officer, XXXX XXXX, repeatedly filled out inaccurate information on our loan documents including inaccurate salary information and insurance and tax rates, and was very difficult to reach to correct the problems. While we were working to get her to correct the information, TD Bank sent us a letter that our application was denied because the bank 's appraisal of our home came in much lower than was necessary to approve the loan based on equity in the house. The appraisal was much lower than market price, lower than the town appraised our home at for tax purposes, as well much lower than an appraisal that was conducted six months earlier. Nevertheless, because the bank denied our refinance application to a 15-year loan as submitted and it would cost us additional money to contest the bank 's appraisal and request another XXXX, we requested the refund of the fees we had paid for our original request because it was denied by the bank. There is absolutely nothing in the TD loan document paperwork we signed that said these fees were nonrefundable. ( There was a special notice to XXXX residents but not to XXXX or homeowners in other states. ) In fact, bank representatives assured us our fees would be refunded if we had gotten all the information to the bank in a timely manner -- which were did -- but the bank denied the loan and that if we were n't denied, we 'd be able to receive a {$700.00} closing credit because we had submitted all our paperwork in a timely manner. Instead we are stuck with a {$600.00} charge on our credit card by the bank. By not disclosing that these fees for the appraisal report and credit report were nonrefundable -- no matter whether the bank approved the loan or not -- the bank is engaging in false and deceptive advertising of its refinance loan products and services. We request CFPB contact TD Bank to have our fees returned but also to correct this deceptive marketing issue for all other customers as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Upon graduation, I contacted Navient on the repayment on my student loan. They told me that I no longer qualified for the 6 month grace period since I already used it the year before when I had to take off XXXX semester due to moving out of state with my husband who is in the XXXX XXXX. My college told me that I should still be eligible for a 6 month repayment grace period directly after graduation. I also contact Navient to ask them to lower my monthly payments since I was expecting to have a 6 month grace period and I was still looking for full time employment. They were very rude and said that they could not help me as there was nothing they could do and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage lender and mortgage loan servicing bank, both Flagstar Bank, has mismanaged my home loan escrow account to the extent that they are raising my monthly payment by {$190.00} per month after lowering it by {$100.00} just last year. This is a 6.6 % increase in my monthly payment on what is supposed to be a fixed interest therefore fixed payment! Their failure to adequately manage my loan has led to a {$1300.00} shortage in my escrow account, which they are paid to manage and maintain the balances needed to pay insurance and taxes. The bank clearly does not know how to manage an escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX I went in to work and was told that a man named XXXX had been repeatedly calling and asking for me. My co workers stated they would tell him that I was off, and he would call back an hour later. He called several times a day over the course of 2 days that I was off. He called around XXXX pm, and I answered the phone. He told me was with XXXX XXXX and he was trying to collect a debt. I asked him to not call me at work, and he stated he was unable to get a hold of me on my personal phone, and he was left with no option. I told him I would call him after I got off work, asked for his phone number. I then hung up. He immediatley called back to my work, and said if I take care of this today the calls would stop. I am steady asking him not to call my work. He continued to say he would call as often as necessary to get this debt taken care of. I literally begged him to leave me alone, I said I can not do this at my job. I agreed to the terms he requested for repayment and said I will call after I get off to set this up. I told him I do not have my bank account information with me. He said that he would not get off the phone until he had set up payment arrangements. He then started to read my credit report to me, and asked what my employer would think about it. At this point I am XXXX, and said you are going to make me XXXX XXXX XXXX. He responded, that 's not necessary, just take care of this and the calls will stop. I did not have my banking information to set this up, and I could not hang up or he would call right back. All of my co workers and boss were looking at me, I just stopped talking. He eventually hung up on me, and did not call back that day. He had me on the phone at my work for over 30 minutes. I can not lose my job, and I am terrified the calls will start again Monday.

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 01/31/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Interest fees keep changing. XXXX {$7300.00} and XXXX {$6500.00} and XXXX  {$7000.00} Now they are adding another yr. to two and 7 mo to another. Thought it was 10 yr. fixed. 
They make it impossible to pay off. Certain I am being ripped off.Read about similar stories online. and lawsuits pending.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Account opening, closing, or management

Complaint: I 've been a Wells Fargo checking account holder since XX/XX/XXXX. Never 1 NSF overdraft, late payment, or negative notice on my account. Without notice or warning I learned today my account was put on hold for review on XX/XX/XXXX and will be closed effective on XX/XX/XXXX while I have no access to my funds Wells Fargo put a hold on my posted funds of over ( {$5000.00} ). This was all done with any explanation for the account closure. There is a rule in the law that basically says that when two parties are bound by a contract, and only one of the two has written the contract, then they MAY NOT interpret it to their own benefit outside the express written language of the contract. Wells Fargo has done just that, and they are now holding my funds. Please investigate. Attached is my XX/XX/XXXX to XX/XX/XXXX statement. Total account balance is {$5200.00} as of XX/XX/XXXX. 


Thank you, CF

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 12/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BorrowersFirst, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have an unsecured loan with BorrowersFirst and lost my job 10 days ago. I contacted them immediately, as I was only able to make a particular payment on my XX/XX/XXXX payment. The representative was very nice and understanding. Took my payment and to pay what I could to stay out of collections until I could catch up - presently interviewing for work. Since then, I get phone calls from Borrowers First 5+ times per day and 2 or more text messages. I call them back daily to let them know that I spoke to them the day before and that my situation had not changed yet / that I felt like I was begging harassed when I tried to do the right thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I visited Experian 's website to obtain my credit report and I was charged {$1.00} on my credit card. Subsequently I was charged {$21.00} though I ordered nothing else. I called Experian and they said I ordered a broader service that included my XXXX score. I did not consciously order this service, and I never was presented with a cart containing this order with a button to submit the order. I also had the exact same experience with XXXX except I was charged {$19.00}. I have not been able to reach a live human at that company. I am an experienced internet shopper and I have never seen anything like this. Experian told me that I would have been charged {$21.00} every month unless I canceled, so they canceled " my order '' but refused a refund. I assume that XXXX has the same policy. I will try to contact them on Monday XX/XX/2017 when they are open.

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