milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2015 about Debt collection (Credit card) with reekside Recovery And Capital Management (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX from Creekside Recovery Capital Management was trying to collect a debt for XXXX I was told I was being sued for XXXX when we tried to work out a payment arrangement and my mom would n't give out a credit card number, he started yelling and saying everything thing I say is XXXX, then he proceeds to say again I was being sued and that 20 % will be taken from my paycheck. My mom asked for a physical bill in the mail and would send money orders and XXXX XXXX started yelling profanities at my mom. My mom asked to speak to his supervisor and he refused and then said you have an hour and a half to get me a payment of XXXX dollars for the XXXX payment or I will tell my supervisor to give to the judge and do n't call back I will call you for the payment. This all occurred on XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (GA).
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: Submitted a dispute to three credit reporting bureaus and company claimed the information has been verified. I have never had or opened an account with this creditor nor have I had an account with XXXX that was opened in XX/XX/2016 ( information which they falsely supplied to the credit bureaus.

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 10-11-2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I fell 2 months behind on my mortgage and requested a loan mod from the servicing company, XXXX XXXX XXXX. I was told I was not eligible. The rate was 6.75 % but the payment was interest-only, $ XXXX/month. Later that month I called to make a payment and it was refused, even though I would have been only 1 payment behind. I re-applied for a modification while they refused to accept payments for another 6 months. I appealed to every agency I could for help. Finally XX/XX/XXXX, I was told to make a downpayment of {$22000.00} to be eligible for a loan mod. Instead, I recieved a Forebearance agreement demanding another {$29000.00}, and higher payments of $ XXXX/month. Since then, all of my money has disappeared. The {$51000.00} that I paid was ADDED TO MY PRINCIPAL BALANCE, and the money just disappeared-as did the employee who had been the main contact. I borrowed more money to hire an attorney to help me who was absolutely WORTHLESS-didnt listen to or review anything, just sent out the same letters I had already sent. I have prof of the wire transfers where these crooks stole my money. Now they have sold my loan. WHY CANT YOU STOP THESE CRIMINALS?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Our review process for Nationstar 's furnished documentation was delayed by its refusal to timely accept our authorization to speak to our attorney. Now that our attorney has found and relayed our complaints regarding Nationstar 's misapplication of payments during bankruptcy, unauthorized charges, and multiple servicing issues, as well as statutory authority issues with the upcoming trustee sale, Nationstar has not postponed the trustee scheduled for XXXX XXXX, 2015. There is no way that Nationstar will respond in time, and the delay was its fault.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX are in violation of FDCRA rules and regulations because they continue to report fradulent account on my credit report. They have been  reporting an account opened on XXXX/XXXX/2013 for {$1000.00} that I have no knowledge of. I have made no agreements with them. I have received many phone calls and letters, but no matter how often I explain this is due to identity theft in the past they continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: In 2006, I refinanced my home and was sold an illegal loan in the State of Illinois ( Pick-a-Pay Loan ) with World Savings. Now owned by Wells Fargo Bank. I have already made a complaint with CFPB. Please see previous complaint # XXXX and XXXX. I am putting through a second complaint because the answer from XXXX XXXX at Wells Fargo is insufficient. Firstly, he did not look into any of the issues. He must advise me why there are XXXX applications with different incomes which were both incorrect. I can prove it by supplying proof from the IRS that I was not making that much money. Secondly, I had given him a letter from XXXX XXXX insurance and he did not even research the type of insurance that was purchased. He stated in his response that it was title insurance. The insurance policy taken was in case I defaulted on my loan. They changed my income on the application after I signed it. They then took out an insurance policy with XXXX XXXX in anticipation of my default so when the minimum payment of the loan tripled, they could put in a claim. XXXX XXXX letter indicates that there was no claim with the insurance policy. I will attach the letter sent to us by XXXX XXXX. I will also attach XXXX XXXX letter showing that no research was attempted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I have had numerous issues with my account since its inception ranging from incorrect account information ( I have been placed on several accounts by NFCU reps. ) to inaccurate information about fees and charges. Prior to the hurricane Irma I had charges on my account of {$79.00} which I did not make which placed a domino effect on my account. On yesterday XXXX/XXXX/XXXX I contacted customer service per two pending payrolls that I saw per my NFCU app one was for {$4000.00} which is from my work direct deposit and the other for {$270.00} which is my XXXX daughter child support. I requested that the funds be released to me early due tot eh storm Irma 's impact on my personally which I was advised that if the funds were released to me early it would place my account into the negative. At this time there were already numerous {$29.00} return check fees on my account which amassed during the storm and my inability for deposits to occur since there is no branch of Navy Federal in XXXX XXXX XXXX FL. {$1000.00} of my money was released on yesterday and I ask if there were any other pending incoming charges which would result in fees and I was told " no '' this was not the case but this morning while logging on to my account additional items were indeed presented which normally occur on automatic draft around the XXXX of the month and these resulted in additional fees from Navy Federal. This could have been prevented with the full release of my funds as  requested. Additionally, I was told that my child support funds could not be released on yesterday but they were placed into my account and dissolved ( which should not have occurred ) on top of the {$1000.00} I placed int he account on yesterday to resolve any negative balance due to fees and overdraft which i have approved on my account to occur up to $ 500.As a victim of Hurricane Irma, a single parent with a disable child this matter is placing undue financial hardship and emotional stress on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: US Bank at XXXX , branches are XXXX run by XXXX teller actions to discretionally deny service to customer and close their account. On XXXX, I commented on a Sr. Teller/ about her unwilling to answer a quick question which she may not know, yet got offended, she shut out the window to my face and told me " You do n't talk to me like that. ". Then she further boycott me with her cohorts in another close branch to deny my service. Three months later, I went to pay my credit card with cash and was denied service which caused credit card fee from {$27.00} to {$290.00}. Then the complaint was addressed to regional manager who " joined '' as cohort to close my checking account to XXXX customer. They acted more than " queen and king of the hill '' in manipulative, abusive conduct which I was more than shocked. I would advised ANYONE NOT TO DEAL with this crooked US BANK for your own protection. Do NOT empower this bank to damage our community and our life.

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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Midwest Recovery Systems keeps renewing the debt. The last activity on the debt was in XXXX. At the time the debt should have cleared from my credit, Midwest Recovery renewed the debt and shows it as a new account that is in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (ID).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had a foreclosure on my home in XXXX. Ditech reported it on my credit in XXXX XXXX. The charge-off is past the statute of limitations. We tried to purchase a home a year ago, but could not. XXXX XXXX XXXX contacted Ditech telling them this debt ( charge-off of {$35000.00} ) was too old and needed to be removed. They refused to remove it, stating we had made payments in XXXX, XXXX and XXXX of that year ( XXXX ). We were unable to purchase a home due to their fraudulent claims. <P/>I disputed it with XXXX and thankfully they removed it. I have tried to dispute with XXXX ( XXXX XXXX ), but  Ditech reported we never missed a payment from XXXX to XXXX and we make payments on the loan every 3-4 months. They have not reported to XXXX any payments received by me, but the total amount is still on that report. <P/>We have received settlement opportunities from Ditech in the mail with the original amount of {$35000.00}, with a settlement offer of {$30000.00}. If they have reported we paid faithfully from XXXX, how is the loan the same amount? Clearly, we have not made any payments whatsoever to them since the foreclosure. I have documentation through my banking that no payments have been made to them. Since there are too many bank statements in a 7-year period to upload for this claim, we are asking that Ditech show " proof '' of my supposed payments to them. <P/>At this point, we are going to have to seek out legal counsel, which would be a hardship to do. But, this has prevented us from purchasing a home, paying high rental rates to rent a home and higher interest rates on everything unnecessarily for the past 3 years. This has been so frustrating and devastating to our family not to be able to own a home after 10 years. We are asking to please offer any kind of solution on how to get this resolved as quickly as possible. <P/>Thank you so much for your time with this sensitive matter. We would greatly appreciate any help. <P/>Sincerely, XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Debt collection (Other debt) with GC Services Limited Partnership (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted the GC servies, credit bureaus, and the BBB trying to get this collection agency to remove this debt from XXXX XXXX from my credit file. GC services continues to report / verify this debt even though there is not signed contract with either XXXX XXXX nor GC services. GC services continues to allege that billing statements verify this debt. GC services has yet to produce any document that displays my signature on it indicating a contract with either XXXX XXXX or GC services. I am not liable for this debt. I have no knowledge of this debt. I request that this debt be removed from my credit file in order to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Debt collection (Medical debt) with Carter-Young, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is a medical billing of which I am not aware, especially, since the medical provider wanted me to drive a long distance to their medical offices in XXXX, Georgia, in order to participate in some ridiculous research program, which was very discriminatory regarding XXXX people, although other races suffered from the same XXXX XXXX, as I did. 
I do not know what the billing was all about, because I had to see a different XXXX XXXX to have my problem solved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (MD).
Issue: Managing the loan or lease

Complaint: I took out an unsecured loan with Citibank back in 2008 and a year later, I was working part time and did n't have enough to pay each month. I called up Citibank and negotiated with them and they referred me to a department that put me on installment plans and it was paid off as agreed. I now received noticed from XXXX that that Citibank has resend this off to collection and once again destroyed my credit rating. This is not a valid collection and I would like CFPB to look into this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was sold to Seterus. I was late with my payment XXXXfor XXXX XXXX,2016. After that, they mailed my payments back and told me not to send them unless it was the full payment which included tons of fees. Now they say they do n't have my modification papers even tough I sent them everything. Today they will auction my home unless I pay them {$30000.00} this morning. I will be homeless after this and be out all te money I have put into our family home.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (Other debt) with AFNI INC. (HI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I closed my account with XXXX a long time ago. At the time, they stated that I had overpaid my bill and they sent me a {$35.00} debit card which went unused because I was unable to recall the pin # that came with the card. That in and of itself was ridiculous. Why did n't they just send me a check to cash. A few months later I start getting bills from them again that I owed {$37.00} even though previously they had stated that our business had concluded. On XXXX XXXX, they apparently referred the case to a collection agency called AFNI. Since then we have received phone calls from them every day!! I called AFNI and asked them today to stop calling after finding out that I was able to do so. Harassing frequent phone calls for {$37.00}? Ridiculous!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a REOPEN - XXXX XXXX XXXXg has placed this account right back on my credit report as the entire {$1600.00} as still owed as of XX/XX/XXXX. I am requested again that XXXX XXXX update the records and also- delete their tradelines from my credit reports. The collection and reporting practices are illegal. 

My Complaint is against XXXX XXXX XXXX. XXXX XXXX is failing to update the 3 major credit bureaus : XXXX, XXXX and XXXX that their account # XXXX has been paid in settlement for {$1300.00}. The are failing to update a XXXX balance and advising the credit bureaus that I still owe them the {$1600.00} for account # XXXX The account was initially with XXXX XXXX Credit card Services, who then sold the debt to XXXX XXXX XXXX, who then hired XXXX, XXXX, XXXX XXXX XXXX, XXXX to sue me in small claims court. The case has been settled outside of court for {$1300.00} and paid on XX/XX/XXXX. XXXX XXXX XXXX attorney office XXXX, XXXX and XXXX cashed the {$1300.00} check. I am requesting that XXXX XXXX update my credit reports properly to reflect a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (NC).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I WAS NOT AWARE OF ALL THESE CHARGES THAT WELLS FARGO CHARGED ME I AM TALKING ABOUT 10 CAR LOANS WITH THEM DATING BACK TO 2012. IF YOU PULL UP MY CREDIT REPORTS YOU WILL SEE THE LOANS ALL PAID COMPLETELY. I WAS NOT AWARE OF THE FRAUD THEY CREATED AS WELL. I PAID A LOT OF MONEY ON ALL THOSE CAR LOANS. I PULL XXXX AND XXXX AND ON EACH THERE ARE 10 CAR LOANS PAID IN FULL AND CLOSED. 
I HAVE ATTACHED THE CREDIT REPORTS. AS WELL.

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 02-12-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I paid this account to portfolio recovery from hsbc bank it was a settlement that we made, so by me making that payment it was going to be deleted and not to be on my credit reports.i been disputing it for over a year and still damaging my credit.and also hsbc bank goes and also reports the same account as ... a charge off they hsbc sold the account to XXXX and again I been disputing it over a year.also my last payment was in XXXX 2008 and do n't understand why hsbc still reporting it.. I need some help on this..

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Yes, I have a problem with navient. I had started wi th   XXXX   XXXX   and  then all of sudden it went to navient. The loan I have is a parental loan which I got for my daughter in   XXXX  . I guess my complaint is they are still saying that I owe them money when I have been paying on the loan for 12 years now. I also had  XXXX  Forbearance on the loan in which I tried to pay the interest off when it was in Forbearancestors but they put to the principal and not the interest. I have all the different information they sent me and when I say different I mean different. When I got these loans for my daughter i was a divorced single mom trying to make a difference for my daughter and trying to build credit for myself. So please need your help in trying to figure out what is going on with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
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: I have tried several attempts to get this account deleted and removed from my credit report. On XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX I again was notified by Capital one and Credit bureaus had verified the account. I obtained a vehicle loan XXXX and paid it in full and it was closed as per the report in XXXX. I have requested all documents on this account and it was not produced in over XXXX days to verify this account. The first delinquency was XXXX XXXX and since this account is paid and closed I have asked that it be deleted and removed completely from my credit report being that it is outdated and the company did not respond with the asked for information in the time allowed. I had spoken with a customer service rep that stated he would fill out the form for deletion of the account required and that it would be removed from my credit reports This has not happened, some are still reporting payments from the day I opened this account.

Company response to consumer: Closed with explanation