milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Collection Systems, Inc. (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My former employer XXXX XXXX pays XXXX % of my tuition with XXXX XXXX University. XX/XX/XXXX I enrolled in class and withdrew from the class in XXXX XXXX. I was never sent a bill for the class. XXXX and XXXX had a tuition deferment agreement that no money was paid upfront and XXXX would pay XXXX % of the tuition at the end of the semester. I continued to be employed by XXXX until XXXX XXXX during that time I never received a bill or notice from XXXX or XXXX stating that I owed money. It was my belief that the class has been paid for. 

XX/XX/XXXX I received an email stating that I was being sent to collections for a debt XXXX+. The woman at XXXX I spoke with at the time told me they had been sending bills to my SNHU email ( I never opted into that and since I was only enrolled for 3 weeks I never checked the email account after I withdrew from the school/class. ). 

Obviously XXXX is refusing to pay for the class because I am no longer a employee. 

Last month the debt hit my credit report and after speaking with XXXX and National Credit Management who is the Collection Agency for the account, it is clear they do not have a phone number for me or current address ( moved in XXXX XXXX ). 

I do not believe I owe this debt, as SNHU failed to properly notify me of the debt, refuses to validate the debt and has a tuition agreement with XXXX. This bill should have been sent to XXXX XX/XX/XXXX. Even if XXXX had emailed me at my personal email ( which they have on file ) or mailed me a bill or notice in the 10 months following the class I would have handled it with XXXX since they were fully paying the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Received a letter thru regular post office mail dated XXXX/XXXX/16 addressed to the wrong name and about a license plate I 've never owned ; letter states " If this matter is not resolved immediately you will be commanded to appear at an administrative hearing where a determination may be made that you owe substantial additional fees and fines, registration of your vehicle being refused, and the use of your vehicle being prevented until the amounts due are paid. '' Letter states the matter has been referred to this firm ( Linebarger Goggan Blair & Sampson , LLP ; XXXX TX ) by XXXX XXXX XXXX XXXX XXXX which is continuing to record XXXX XXXX XXXX violations by a vehicle with this tag & state records say I am the vehicle owner. They do not explain how they arrived at the large amounts due for the tolls listed. 
I 've never received any toll notice from XXXX. I have driven through there infrequently and have gone online and paid minimal tolls that I have incurred, AFTER the dates of these tolls. There is an error in my name on the letter. This is not and has never been a license plate I own. The tolls are from 9 & 10 YEARS ago. 
Contacting the company resulted in the response that the file would be reviewed and a letter sent. 
I am concerned about getting a future notice to appear in court ( where I do n't live ) and improper research to determine this is not mine. Proper research would have quickly ruled out that it does n't belong here. Others online state that this company has been ruthless harassing other people, and that one tactic is to demand a court appearance and to receive a favorable decision when people do n't show up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My current servicer, faye servicing, has not provided me with my annual escrow statement. I am in an active chapter XXXX bankruptcy. My lender has an authorization on file from my attorney to speak to me about all aspects of My loan. Despite being in an active chapter XXXX, I get a call from a representative requesting me to make a payment on the loan every month. I do make my payment every month, however, as there is currently no penalty, I make it towards the end of the month. When the person called me this month called for payment, they mentioned that the amount was {$2600.00}. My PITI is {$2000.00} so I was very surprised to hear this. The associate mentioned that there was an escrow analysis done in XXXX and I had a shortage. This does not make sense to me as my taxes have decreased every year since Hurricane XXXX, as my home had been damaged by the storm. My flood insurance increased by {$300.00} annually. This does not warrant a {$6000.00} annual increase. I am demanding an out of cycle escrow analysis and also to be sent a copy of this. I am requesting any reserve requirement to be removed. While I understand that RESPA allows lenders to collect a reserve of 16.667 % in NY, I also know that if I request it to be removed, it must be. If there is a shortage, I am requesting that shortage to be spread over 60 months interest free, also allowed by RESPA. I am also requesting a payment history from when Faye acquired my loan until today, as I need to verify how they have been applying my payments. On top of this, I had completed a HAMP modification in XXXX 2011. As part of this I am supposed to receive an annual incentive applied to my prinicipal I the anniversary of my modification for the first 5 years of the modification.. Last year I had to ask for them to do this, otherwise I believe they would have kept the money for themselves. 
Please note that in no way am I experiencing a hard ship or requesting any financial assistance and do not want my payment dispute to be confused in any way. I simply need to ensure that this lender adheres to all requirements of a lender and provide me with the documentation that they are supposed to. I also do not want a XXXX Line generic response, as they provided in response to my last complaint. Or a rude response as my so called account manager XXXX ( sp? ) has provided. I look forward to hearing back. I can be reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XX/XX/XXXX, I invested in a website and lifetime hosting set up through this company : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. 
I was convinced to also invest {$7500.00} for leads in their special campaign in which their agents would contact the small businesses and assist them in obtaining authorization for credit card use. I would receive an agent percentage of the profit of each business transaction. 
With advice from a friend, I cancelled my contract within XXXX business days and called my Bank of America credit card, XXXX, to dispute XXXX charges, {$7500.00}, {$490.00}, and {$250.00} due to possible fraud. 
Bank of America aka XXXX Bank responded with a request for more information on XX/XX/XXXX. With the added information, they indicated that it would take some time to resolve the dispute. On XX/XX/XXXX, the customer advocate in the fraud department wrote that BofAm was " not able to process a fraud claim regarding the transactions on your credit card account. As a result, we will not be taking any further action regarding the transactions at this time, and you will be held responsible for the charges ... ... Our customers depend on us for the highest level of customer satisfaction, and we are committed to providing the superior service you deserve and expect. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received Collection letter on XXXX saying I owe XXXX XXXX. it had the incorrect account number and I checked with XXXX they do not even have that account number. Stated I owed {$240.00} this is not my debt and should be removed from the credit bureau and any other databases they may have added it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing disputes

Complaint: Citi Credit Card disputes keep sending me documents when they have not read the letter and emails I have sent them about this dispute with XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Prepaid card (General purpose card) with CITIBANK, N.A. (TX).
Issue: Fees

Complaint: I received a prepaid {$26.00} XXXX Citibank XXXX card as a refund for overpayment after cancelling my service in XXXX 2015. I recently discovered that Citibank XXXX has charged a monthly {$3.00} account maintenance fee since XXXX for not using the card on a monthly basis. This has caused the card to go down to {$14.00}. When I contacted Citibank they said that this was the terms & conditions that XXXX initiated. I did not agree to these Terms and would not agree to such terms since this is a refund of services paid.

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 07-07-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Have made previous complaints regarding Portfolio Recovery. 
They received cease & desist order XXXX/XXXX/16. They violated order twice. Today call I missed ans. machine picked up, hang up. 
I called the # back, Phone answered " Thank you for calling Portfolio Recovery, this is an attempt to collect a debt ... an operator will be with you shortly ... '' Spoke with a person named XXXX, advised her that I was recording the call, She informed me that she had no record of my name & ask if I was sure that that this was the phone that I received the call on? She stated that perhaps they were trying to contact someone else ( that is their tactic ) they always ask for someone other than myself ) I informed her that this was the 2nd violation since cease & desist order was in place & to take me off their list, also that I would file report w/ CFPB. Have also filed complaint w/ " Do Not Call Registry '' Since they have no record of me, it is not a debt collect. This is Phone harassment that must not continue! I keep a phone log of my calls & have a sound file of last conversation. The # I was called from was XXXX. Reporting these violations alone does not seem capable of stopping them, they are breaking the law not only w/ me but other consumers across the US ? Stronger enforcement is needed. I plan to seek an attorney to represent me in this matter. Here I am again one more complaint filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have hired XXXX XXXX to dispute inaccurate information, however XXXX, Equifax and XXXX are still disclosing information that are closed on my report and inaccurate and have been paid over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had an account with XXXX XXXX that was closed as a paid charge off back in 2007. Recently I acquire another XXXX XXXX card and they are mixing XXXX accounts and adding them as the same XXXX. I have never been late on my XXXX account and the charge off should had been taking off as it is passed the 7 year expiration marked. They are confusing these and this is making it impossible for me to get a mortgage. They need to fix this immediately by removing the old charge-off account. Account # XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: Last year i noticed two student loans on my credit file that claim were opened in XXXX 2002. I was not in school so i could not have opened any loans around that time. I 've disputed these accounts over the past few months in which XXXX and XXXX deleted one of the accounts from my file but not the other, then just about two months ago the same two student loan collections showed up on my Transunion file.

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 03/13/2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I took out a mortgage in XX/XX/XXXX which was a home equity line of credit. The first 10 years was interest only and the 2nd ten years was principal and interest. The mortgage and note we signed are not clear on that. Then XX/XX/XXXX the payment changed from XXXX something to over {$2600.00}. We got no payment change form 120 to 240 days prior to this and now we are behind on our mortgage. PNC who is the bank said they do n't have to send a notice that we knew about on our note and mortgage. We applied for a modification. We got a letter of approval. Made our first trial payment and the day after we made our first trial payment we got a letter of denial on the modification. They are now threatening foreclosure. We have been making interest only payments just to try and keep above water. According to their statements they are not being showed properly on the statements. We really need help here. PNC is the biggest bankster our there.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Spoke with agent    XXXX   XXXX   XXXX    to request forebearance. Loan agent stated that forbearance was good until   XXXX   XXXX   XXXX  .  Letter added to a ccount stated a forbearance ended    XXXX   XXXX   XXXX   . I called back to have them update the letter and make it consistent with information given to me from call in   XXXX  . Agent refused and continued to offer me another forbearance. They would not correct their mistake on my account.  Navient is c aptializing on students by not honoring the verbal agreement. This is not the first time this has been done. This has been done to my account around   XXXX   XXXX   and a forbearance was placed on my account that I did not request in   XXXX   XXXX  . So again they capitalized interest without my permission and when my account should have still been in forebearance. In a matter of 9 months this company has attempted to place my account in forbearance 4 times. CFPB needs to do a better job at getting students reimbursed all of these excessive fees that this company adding. Navient is not correcting their mistakes they are charging the loans of persons like myself for their mistake . Navient has made it difficult to continue the current loan repayment program. It  is difficult to navigate their system and its difficult to distinguish between the different loans. All of the loans have the same number. When you are talking to an agent many times they are only servicing  one set of loans, but tells you that the current transaction is covering all of yo ur loans. So the student ends up with late fees because the agent translates in writing that only a certain set of loans were covered so the student ends up with late fees. The date given over the phone of your forbearance is not consistent with what they put in the PDF file.  Navient did  not make it clear that the information that you received over the phone does not come to your regular email address but it goes to the inbox located on their website. Again yo u may be rece iving notifications to your regular email and you think that this is just a reminder of the conversation that you had with the agent and when you go and check the website information it is then that you find that the information given over the phone is not consistent with the documents they have online. This is intentional and helps them to continue to collect fees on students. The make the process so cumbersome and their company will profit more on fees that people are paying on these loans than the loans themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Please be aware that I have submitted a similar complaint twice, but both times Citibank has found ways to avoid responding. As I was unable to reach a resolution, I am supplying more information in this complaint. 

Prior to XXXX I knowingly and voluntarily co-signed on XXXX of my sister 's private student loans taken through CitiBank for her master 's program. Subsequently, beginning in XXXX XXXX and continuing through XXXX without my consent or authorization XXXX XXXX XXXX XXXX more private student loans were issued to my sister using my electronic endorsement. XXXX XXXX purchased the loans at some point after the loans were issued. In XXXX XXXX, I sent dispute letters to XXXX requesting verification of the debt. In XXXX XXXX XXXX responded and insists that because my social security number, date of birth and address were provided on the request to open the XXXX additional accounts, they are valid and I am financially responsible. I sent a second series of letters to XXXX in XXXX XXXX challenging the validity of the endorsement and requesting information to demonstrate that the applications for each of the disputed loans were in fact endorsed by me. I also requested a copy of the assignment or purchase agreement between XXXX and CitiBank for each of the accounts. To date no response to the second set of dispute letters has been received. In XXXX XXXX I did receive a letter from XXXX informing me that the loans were delinquent. 
I have sent XXXX sets of disputes to the XXXX major credit bureaus for each of the XXXX loans based on the fact that I did not sign or authorize my signature to be used on these loans. Each of the agencies has responded and claim that their investigation shows that I am responsible for each of the loans and they will continue to report the delinquency for each loan. 
When all is said and done, while I did agree to co-sign on XXXX loans for my sister prior to XXXX, I did not authorize my endorsement for the private student loans taken in XXXX and XXXX. Also please let it be known that there is NO pending litigation on this dispute.

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 01/29/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX I purchased a XXXX property with a XXXX sign on the property. I paid the load off in XXXX. XXXX XXXX still has a lien on the property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Credit line increase/decrease

Complaint: In XX/XX/2015 I purchased my very first home. I incurred high balances on several of my accounts as a result of renovations and making the house our home. I also sustained a small injury and a small medical debt while renovating. Needless to say these things caused my credit score to drop. 
I 've been paying everything down as best I can ever since and have never been late on a payment. 
But every time I make a substantial payment towards my Synchrony accounts they lower my credit limit to just above what the new balance is. 
This makes it look like I continue to have high balances on my accounts which keeps my score low. Then because my score is low, they lower my limit on another account and so on. 
So far I have XXXX accounts that they 've done this to. One of which has dropped from a {$4500.00} limit down to {$1700.00}. 
They are the only creditor that I have that insists on doing this kind of shady business. 
I am not being treated as a customer, I am being treated as a number or better yet, a risk. 
I have filed a complaint with the XXXX and am waiting for Synchrony to contact me in regards to this issue.

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 07/14/2015 about Debt collection (Credit card) with ARS National Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the agreed settlement amount on XXXX XXXX, 2015. I contacted the company and asked for a letter stating the account was paid and closed. The letter I received still states i have a balance with the company and the supervisor ( XXXX XXXX ) I spoke with stated that ARS sends these letters out this way and I would not receive anything else other than this even though I don not owe a balance.

Company response to consumer: Closed with explanation