milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2017 about Debt collection (Credit card debt) with Capital Management Services, LP (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: this item was ordered by mistake due to the current promotion of that credit card company, with their rep that sent me to the wrong place to order their promo, it was cancelled immediately, the company still shipped the item when they were notified that this was not the correct item ordered and was refused, it was shipped anyways while I was out of state for three weeks and XXXX returned it to the company. I was credit for it but this very bad company shipped it again after I had moved from that location to another part of the state and never received it or knew about it till I saw it on my statement. After 6 or more months I was recharged on my credit card for this unwanted item, the credit card company charged me for that item I never received and when I notified them of this they removed the charge, during my going back in forth with this credit card company proving the proof that it was never received, it kept getting put back on my statement then I closed that account.. I had moved out of that part of the state I once again was recharge my credit card charged again I submitted proof of address change and that they did not have permission to and ship to any address where I did not reside the items were never used and when I inquired to XXXX I was informed that it was refused by the landlord and returned. 
I have gone round and round with the credit card company and with this less than honest company with no luck and now I have this person calling two or three times a day even when I told him it was not my debt, he uses his company phone his, personal and friends phones to harass me. I have retained all emails to and from the credit card company and the this corrupt company. there is also proof on XXXX XXXX 's internal site/emails on the credit card company s site showing they dismissed the debt

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Customer service / Customer relations

Complaint: My wife and XXXX sons ( ages XXXX & XXXX ) went to XXXX XXXX on XXXX XXXX, 2016. The CapitalOne credit card she was using was hacked on XXXX XXXX, 2016. CapitalOne balanced out the fraudulent charges and closed the credit card account and told us that they will have a replacement card shipped to her, in XXXX XXXX, within XXXX5 business days. I called CapitalOne after 5 days when she did not receive the replacement card and was asked to wait for another day or XXXX. I called CapitalOne again after two days when the card did not arrive and demanded a tracking number and after several minutes on hold, I was told that they had an issue sending the card to the XXXX address, which the rep and I spent nearly 15 minutes to make sure it was correct, and that they took the liberty to send the replacement card to my XXXX home address via USPS and did not have a tracking number available. 
Reluctantly, I waited again for couple more days and never received the replacement card. 
It seems that they do not have any records on file of ever shipping a replacement card to my wife in XXXX XXXX or to me at the XXXX home address at this point in time. 

On XXXX XXXX, I gave up on trying to resolve this issue with the phone reps and decided to take my issue on their corporate XXXX page. I got a response stating that they would relay the message to a group that would call me soon ... which I never got a call back from, but for the interest of being fair, I did ask them not to call me until they had a resolution, meaning, I wanted them to take action to ship me a replacement card as soon as possible. I also sent an email to the CEO ( XXXXXXXXXXXX ) with no response. On XXXX XXXX 2016, with no other options left, I took a chance and sent my wife my CapitalOne credit card with my name on it via XXXX XXXX XXXX mail, hoping that she would not have any problems using it since it did not have her name on it ... and on the same day, I got a call from a rep from CapitalOne who reviewed the issue and took action to send me a replacement card to my home address overnight and the card arrived the next day. I sent the new card to my wife via XXXX XXXX XXXX mail again and she received it today ( XXXX XXXX, 2016 ). The entire process took 28 days and during the process, we were forced to spend what little cash we had while paying for various international bank fees for the transactions with our personal checking account. The vacation was planned for XXXX XXXX to XXXX XXXX, 2016 and nearly half of the time was wasted waiting for the replacement card. I feel that CapitalOne has failed to meet the minimum quality of service and should be liable for their neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Debt collection (Medical) with Creditors Bureau Associates (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I continue to get inappropriate calls from Creditors Bureau Associates of Georgia after I have made numerous electronic payments to pay towards and/or settle the medical debt owed. The agency continues to call requesting sensitive information ( i.e. social security number, mom 's last name, etc. ) after I have requested them to send me information via mail. My payments have been returned after two attempts to pay. I have also called and received inappropriate attitude from the collections specialist after I repeatedly explained that I wanted to pay the debt owed based off my financial capability. The specialist offered to settle the payment and I accepted based on the conditions that the settlement is sent to me in writing ( via mail and email ). To date, XXXX XXXX, 2016 I have not received a letter or email. So, to continue showing that I want to pay the debt, I continued to make payments and the company continues to return the payment. I have sent written correspondence to the company stating that I have only afford to pay them a set amount of {$25.00} a month on a medical bill that is less than {$1000.00}. 
I am still receiving nonstop inappropriate calls.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Consumer Loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (SC).
Issue: Problems when you are unable to pay

Complaint: I opted out of ACH automatic debit after the death of my father. I was and am experiencing hardship. Cash Central attempted to illegally debit my checking account. I have documents to prove this. I had a stop payment issued to protect me. But Cash Central emailed me indicating the illegal attempt to debit. 

I am now trying to work with an attorney to help me with settlement or bankruptcy as too far behind to make timely payments. 

Is there a fine that can be issued to Cash Central for their illegal actions? If so, perhaps I can pay my debts with that money and be spared any further hardship. I appreciate all help with reparations for this crime against me. They were very intimidating to me on the phone. I felt extremely threatened and violated as my rent money was at risk. 

All help appreciated, including attorney referral. 

***Please let me know where to forward documentation. I will need to find the paperwork and email to you in a separate communication as I recently moved. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: To : Trustee XXXX I am stating I sent XXXX XXXX XXXX, XXXX a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and XXXX responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 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: I enrolled in a degree program in 1996 and financed it via Federal student loans. My loans were serviced by XXXX XXXX, and after that company failed, with Navient. I have never been counseled nor offered guidance with regard to income driven repayment plans by these firms. No outreach has been conducted by them to me, and I have been forced, as a result, to pay a private company for this straightforward and essential assistance. ( After all, perhaps these loan servicing firms make money through interest rate markups on monthly loan payments, and were all those eligible for {$0.00} or relatively small payments through the forgiveness programs to actually enroll, that would be too expensive to them, irregardless of the contractual obligations they made to the DOE to counsel borrowers. If so, are we not naive to expect these firms will promote programs which defeat their profit interests? If this is not accurate, I cordially request an accurate explanation ... ). In any case, having had XXXX XXXX, and now Navient, servicing my debt makes my case, it seems, a microcosm of the vast, systemic dishonesty and negligence problems these firms are accused ( guilty ) of. To say the least, with Navient under criminal complaint, it seems absurd to have them as my servicing firm. Their credibility is sorely lacking. And if what XXXX XXXX has with finality has been found guilty of a cross the board is also true of my case in particular, this borrower seeks remedy. What remedy is there for me?

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: My loan servicing was tranferred to FedLoan Servicing the beginning of this year when I indicated I was pursuin g Public Service Loan Forgiveness ( PSLF ). According to their guidelines, FedLoan Servicing was to provide me with an accounting of how many of my payments qualify for PSLF within 90 days of the transfer. FedLoan Servicing has failed to provide me with any information. When I called them, they said they needed additional time. I have my doubts they will ever provide me anything that is accurate. FedLoan Servicing is the sole servicer for PSLF. This is their job! It should n't taken f orever to get this information. Please look into for me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I went to the FTC to inquire instructions for instructing each of the big three to establish credit freezes for my wife and myself following the XXXX breach. I called each of the three numbers given on the FTC web page instructions : XXXX XXXX Through voice instructions was able to enter and confirm by SS # and ZIP code and then was told they could n't freeze my account. 
Experian : XXXX requested a security free and through voice instructions was able to confirm SS #, DOB, Zip and first 3 numbers of my home address - they informed me they could not place a freeze on my credit file - I had to submit a written request. 
XXXX : XXXX requested a security freeze, supplied SS #, DOB, Zip Code then was sent to a buzy tone and disconnected.

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 01/22/2018 about Student loan (Private student loan) with ALASKA COMMISSION ON POST SECONDARY EDUCATION (VA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I borrowed roughly {$20000.00} from the State of Alaska. When I graduated I had a {$35000.00} that I had problems paying and it went into default. Now they say I cant get it out of default and my bill is close to {$70000.00}. I also tried to see if I could pay off each loan separately. I have 5 loans and they said no. All my loans will continue to be in default until all of it is paid. I need someone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The same time last year they my report on 7 of my loans stating I was late over 90 days late and dropped my score over a hundred points. since then my credit was getting on track and here we are again and my report says im behind when im on the forgiveness program and I made sure to call and get a forbearance to keep my account up to date. I can not not let them ruin my credit because of another mistake on their part. I am a single mother of XXXX thats trying to better my credit to get a home but keep doing this and I have no one who can help me fix it. can I file a suit of some kind?

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Debt collection (Medical) with Credence Resource Management, LLC (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from Credence Resource Management saying their client, XXXX XXXX XXXX, had purchased my account. This was for a medical bill from an accident that happened in XXXX 2014. I had quite a few bills from this accident that I had to work to get re-submitted and paid by insurance and I believed I had dealt with all of them. This bill was for {$990.00}. After calling, they told me they could not re-submit my bill to insurance as too much time had elapsed. When I pressed that this was not my responsibility and there must be a mistake, I was put on hold for XXXX minutes. When I talked to the representative again, she indicated there had been a mistake and that I only owed {$70.00}. I asked why I owed this amount and after a lengthy explanation ( none of which made any sense ) I told her I was concerned this was a scam. She asked me if I wanted to speak with a supervisor and put me on hold. Very quickly someone else got on the phone and informed me that I did n't owe any money and apologized for the inconvenience. I do n't know how these people got my medical information, but it seems like a clear scam where they were trying to get me to send them {$990.00} by claiming my insurance did n't cover a medical bill and trying to hold me responsible. This company SHOULD NOT be allowed to keep doing this to unsuspecting US citizens ( I did a search of Credence Resource Management and all of their employees on XXXX are based out of XXXX, XXXX ). This company is either blatantly scamming people or hacking and stealing personal information about medical bills and then sending fake bills. This is not right and I hope someone can stop this from happening to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We keep getting calls from Midland Credit ( XXXX asking for a XXXX XXXX. When we tell them that no one by that name lives here and to take us off their list they hang up with no response. And then they call back later.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint is one many bank of America and their fraudulent practices they give me a loan modification based in my income what I can afford they know my income is limited but they said one year after you make the payment I will be able to refinance their loan modification was only one way to make a contract that is in favor of them by law the contract it has to be that both parties agree on by they changed the way it only benefit them the loan modification only last 3 or4 mouths they forced me through the Cort system to sign their loan modification they have try before but this time after I paid them 3 times the amount they asked for they force I signed they said last complaint I made they know my income is limited my XXXX is the only thing on their way to help me I called costumer service but they do n't know why but refinance or hamp or hardest hit or harmp is not for me I called discrimination last person I talked to he said there 's no discrimination if I do n't apply one of his excuses was they do n't give me the form she said he will send them I m still waiting for them other excuse was that I did bankruptcy another of their lies when I signed my original contact she only sign become she was my wife she has responsibility in this loan that was one of the problems why they dropped the first lawsuit against me and my wife then they realize their mistakes and filed the XXXX lawsuit against me only bank fo American discriminate me For mi XXXX the hire lawyer they got in touch with me and warning me about the complaints discrimination about not getting refinance they try get me out of the house by changing the scrow

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 05-12-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: I submitted a loan modification package # XXXX for which I received a forbearance agreement in writing from Ocwen on XXXX/XXXX/XXXX - exhibits attached Ocwen cashed my first check on XXXX/XXXX/XXXX for {$240.00} and according to their letter they stated that " if we do not receive your payment on XXXX/XXXX/XXXX this offer will be considered revoked, what becomes of the written agreement since Ocwen returned all my other checks and stated that no alternative payment arrangements was agreed to? What becomes of my {$240.00} that was cashed and since it was cashed does this not mean that there was a binding agreement? And since Ocwen returned all my other checks do that mean that Ocwen breached the agreement and I became responsible for the full loan amount?

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: We have applied and been turned down for Modification by the servicer of the loan, PNC for XXXX, due to what they claim is the servicer agreement does not allow modifications. Through much research I am finding this is probably not the case. The denial paperwork came back saying it was denying my hardship assistance request because " the assignee/mortgage owner or private mortgage insurance company on your loan has not provided an actionable decision on the proposed alternatives to foreclosure option for your loan. '' It says this multiple times, so the servicer, PNC, never received an answer to my application from the trustee, XXXX for XXXX. Mortgage asset-backed pass-through certificates, series XXXX. 
We had employment problems in the past and almost half of the time I was delinquent I was serving my country XXXX. I am looking for a resolution, a change in the terms of my loan so as to be able to continue raising my family in this home.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have requested and demanded that TransUnion validate a public record account/federal tax lien from XXXX.. On three occasions I have disputed this account because the information is not accurate because the account has been satisfied. I ask that they verify with the courts my name, address, date of birth, social security number, status, date of last activity, and the amount. I am overly confident that their entity did not investigate the matter. Each instance they responded by stating the debt is valid. I requested that they provide me with proof of their validation and they have refused. They are harming my way of life by negatively impacting my consumer report. TransUnion has cost me a job that would have supplied my family with a very nice cushion. I 'm stressed, confused, upset because their negligence and unfair practices has ruined my professional career.

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 04-07-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I can not get my escrow account with CitiMortgage corrected due to tax refund discrepancies. I have been overcharged for my taxes and XXXX County tax commissioner 's office resolved the issue, but I can not get it corrected with my mortgage company. My XXXX exemption with XXXX County Tax Commissioner 's office was reinstated to my property in XXXX XXXX. My homestead exemption was removed from my property for the years of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX was the specialist that handled the reinstatement of my homestead exemption with XXXX County Tax Commissioner office. Her contact information is XXXX. The XXXX County Tax Commissioner 's office stated that they mailed refund checks because with my homestead reapplied to my property, my taxes were lower. The County Tax office stated they mailed XXXX checks to my mortgage company - CitiMortgage -- in the amounts of - {$280.00} ( check # XXXX ), {$13.00} ( check # XXXX ) and {$6000.00} ( check # XXXX ). These checks were mailed out on XXXX XXXX, XXXX. I have contacted my mortgage company several times and each time I was given a different amount on the tax refund the XXXX County Tax office sent to them. On XXXX XXXX, XXXX, I received a letter from CitiMortgage stating that the tax office will be sending them refund checks in the amount of {$41.00} from XXXX County over payment and {$950.00} from XXXX XXXX/ XXXX over payment. Then on XXXX XXXX, XXXX, CitiMortgage sent me an escrow disclosure statement stating they received refund checks of {$3500.00} ( check # XXXX ) and {$13.00} from the tax office. The discrepancy between what the XXXX County Tax office refund amounts is said to be and what CitiMortgage say they actually received is very concerning to me. I can not get my escrow account with CitiMortgage properly settled because the tax office will not give me anything in writing of the refund amounts sent out on XXXX XXXX, XXXX and CitiMortgage stated it will take 30 to 90 days to investigate the refunds the tax office actually sent them. In the meantime, with all this confusion, I have to pay my mortgage that is over charging me for my escrow, when I was already overcharged for XX/XX/XXXX to XX/XX/XXXX.

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