milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2018 about Debt collection (Other debt) with Williams & Fudge, Inc (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was attending a university and when I needed to withdraw from a course was shifted from full time to part time status causing my expenses to increase. However, this occurred after disbursements for the semester. 

The University contacted me in XX/XX/XXXX and I attempted to set up a payment plan with the university and they were agreeable. However when I attempted to make the payment I was told I had already been turned into collections. Apparently, the person I had spoken with failed to notate my account. 
The debt to the school was {$940.00}. 

Upon trying to pay the collection agency I was turned into they said they will require {$1200.00} to absolve the debt. 

Today XX/XX/XXXX, I had an advocate call and attempt to settle with the company, they are are still unwilling to accept anything less than {$1200.00}. 
This is an outrageous increase- one third of the principal debt. 
However, when I contacted the school they said they are unable to assist in any way, the debt has been transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (I do not know) with Kross, Lieberman & Stone, Inc. (GA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: An agency named Kross, Lieberman, & Stone have fraudulently stolen {$950.00} from me and I want my money back. Kross contacted me and claimed that I had an unpaid debt which they were trying to collect. Kross used the false name of XXXX to steal my personal information and made a false settlement agreement with me. Now an agency named XXXX is claiming I owe them and I have a balance of {$800.00} plus that I owe them. This is a lie. Kross appears to be a criminal organization that steals from consumers who are trying to do the right thing. Under that settlement agreement I DO N'T OWE XXXX ANYMORE MONEY BECAUSE I PAID THEM ACCORDING TO THE SETTLEMENT AGREEMENT. AND THOSE XXXX CREDIT BUREAUS ARE HOLDING ME HOSTAGE BUCAUSE OF THIS FRAUDULENT COMPANY CALLED KROSS, LIEBERMAN, AND STONE.

Company response to consumer: Closed
Consumer complaint received 01-05-2016 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My husband and I requested our credit reports for the first time on XX/XX/XXXX and in the cases of XXXX and Equifax , we were asked questions about possible loans that we might have. For example at Equifax : " Your credit file indicates you may have an auto loan/lease, opened in or around XX/XX/XXXX. Who is the credit provider for this account? '' There were multiple choice answers. When we checked, " None of the above. '' we were told we must submit a request for the report in writing, and could not locate a person to speak to as to whether or not there is a listing under our name for a car loan. A similar question about a mortgage was given at XXXX. We have no loans, but now can get no information about whether someone has appropriated our identity to obtain loans. However, Equifax offered to sell us a better security system ( lock ) to ensure that no one in the future could use our information. Is this a scam on the part of the credit agency? I feel we are entitled to immediate information from them as to our credit rating and possible abuses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2016 about Consumer Loan (Installment loan) with ERC (OH).
Issue: Managing the loan or lease

Complaint: I was paying on a collections that was on my credit report from an old bill from XXXX. ENHANCRCVRCO had took over the debt once it went into collections. Well I had set up a payment plan with them and I was to make my final payment on XXXX XXXX, 2015 which I was told that by rep XXXX when I had first called into set up a payment schedule. Well before that day came I had called again because I had checked my credit report again and seen it said I owed the company XXXX dollars instead of the XXXX I was suppose to make as my last payment. So, I went ahead and called them to see why it said I owed XXXX dollars as my last payment instead of the XXXX that was originally stated. I was told by a rep who refused to repeat his name or give me his rep number that I owed it and I had to pay it and that was that. I went ahead and paid it because I 'm working on building my credit back up and did n't wan na it ruined by the XXXX dollars he claimed I owed due to bad payment history. My point of this is I was ripped off by this company I know for fact that I only owed XXXX and they jacked the payment up to get extra money out of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I have already filed complaint # XXXX which has been closed with no satisfactory resolution.My continued complaint will be attached

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I contacted Navient requesting an updated amount left on the loan and future schedule for all payments and when the loan will be fully paid off.     I received an answer on  XXXX   XXXX  at  XXXX   XXXX  : Our records confirm your balance is {$28000.00} as of the date of this email.     Because the monthly payment amount fluctuates as the variable interest rate of your loan changes, the amortization of your loan will also change, rendering the previous information inaccurate. In addition, the application of payments to principal and interest is not predetermined. This means that since interest accrues daily on the unpaid balance, the number of days between payments determines the amount applied to interest from each payment. For this reason, we do not provide amortization schedules.  ( My  interest rate has been 12.5 % for over 2 years now and it has not fluctuated up or down ).     I also asked if I could pay a lump sum of {$10000.00} toward my principle of the  Private Student Loan to possibly lower my mo nthly payment and find out what the amount would be left on the loan.     I received an answer on  XXXX   XXXX  saying : As your loan is enrolled in  Auto  Pay, your payment will not pay your loan ahead and the loan will remain due for payments each month. Your loan follows a re-disclosure schedule, and your payment will be reduced automatically during this process to a lower payment, which will pay your loan in full using the same maturity date.     Your payments follow a standard payment application, in accordance with your promissory note. Payments will usually be applied first to outstanding interest, than to outstanding fees, if necessary, and the remainder to principal. If there is a significant amount of accrued interest, from a deferment or forbearance, the majority of your payment be applied to interest each month. Unfortunately, we are unable to provide a balance left on the loan due to the application between principal and interest. ( Why ca n't they give me this information? I would reduce the principal by {$10000.00} and then they can give me an updated payment and schedule. I know they are pushing this off so the service company "  Navient  '' would make more money over the time.     Any help would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: On XXXX XXXX, 2016 I appeared at an alleged creditor foreclosure hearing case number XXXX at the XXXX XXXX County courthouse defending my property against Nationstar Mortgage LLC who is a debt collector 1692a ( 6 ) who was attempting to collect an alleged debt that is for personal, family and household purpose 1692a ( 5 ). The consumer transaction had been timely rescinded pursuant to 15 USC 1635. I am a consumer under 1692a ( 3 ) and the creditor under 1692a ( 4 ). Nationstar Mortgage LLC knew or should have known what it was doing was illegal bringing a debt collection action into a creditor related non-judicial state court action in violation of the FDCPA 1692i. Nationstar Mortgage LLC through counsel did place my private and personal contracts into the public in violation of privacy laws causing further harm to me. For these reasons stated above I am placing a complaint against Nationstar Mortgage LCC based on their conduct and behavior with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Debt collection (Medical) with Alorica Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They added a negative line to my credit for a bill that the insurance paid. I never even received the overdue bill from the hospital prior to them applying it to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2018 about Checking or savings account (Checking account) with PNC Bank N.A. (MI).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: XX/XX/18 I was charged a {$33.00} stop payment fee that I attempted to process in my account online. I was attempting to stop a recurring preauthorized fee from coming out of my checking account by XXXX XXXX   XXXX. I was told there was an error on my behalf with attempting to do this online in my account. 

The bottom line is the stop payment did not process and the funds came out anyway. My issue is I was told by the bank though the stop payment was not done I had to pay {$33.00} for just going onto the web site within PNC. 

Who has money to give a bank to pay for something not done. 
PNC XXXX Account # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, I checked my bank account and saw a check made out to the Court. I immediately called my bank and they said I wrote a check to the court. I said no I did n't. After a few moments they said it was a garnishment. I then called the court and they told me a judgement was made against me in XX/XX/XXXX.They said that the law office trying to attempt the debt sent a summons. I said I did n't receive anything regarding the situation or the garnishment at all! I asked the court to mail me papers. She gave me a number to contact the law office. After trying 5 different numbers that I was given by bank and court, I was able to speak with someone. The law assistant said that it was delivered and because it was not returned to them unable to deliver, that they assumed I received it. Then said I even called to talk to someone about it. Then proceeded to say '' I did, we were going to make a payment arrangement for XXXX . '' I said well, a lot was going on in my life last year but i did n't recall talking to you and would never have agreed to that because I could never afford that amount. After all that I said can we make an arrangement on the amount due XXXX. She then said that I owed XXXX. I said the garnishment paper from the court says differently. I have asked now twice for them to send me what they have and they wo n't but keeps asking me to send her what I have instead, i am confused why i would have something they do n't have. I faxed my doc. on XXXX, she states they never received it? She also states the court fees are XXXX, but my judgement paper states XXXX. They have continued to call me and I feel threatened if I do not comply, that there will be more garnishments. I received the judgement papers on XXXX ( from the court after asking for them to mail to me ), they garnished my paycheck on XXXX and the judgement for the garnishment was filed on XXXX.The last record on the docket was XX/XX/XXXX and out of no where in XX/XX/XXXX garnished my checking account. All the info on my sheet states it was verified on XXXX. So then I was left without my money and was never told I could dispute this at all and was left without any options. I feel as though they are withholding information and/or trying to get me to offer up information that in the end would incriminate myself. I would just like to settle and end this all. Also the debt is From XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Prepaid card (Gift or merchant card) with U.S. BANCORP (MD).
Issue: Unauthorized transactions/trans. issues

Complaint: I used myXXXX Gift card at a gas station to get gas. It was declined twice. It had {$82.00} on it. I tried to use it later at XXXX, it was declined, with a {$0.00} balance. I called customer service to find out where was the money. They told me it wouldnt be returned until the XXXX of XXXX. I have to wait 9 days. The rules on internet said money would be returned in XXXX days if you make a mistake and swipe the card at the gas pump. 9 days is a long time. I paid {$5.00} for the card. I should have access to the money that i put on it. I feel this is a scam by XXXX. There are XXXX of complaints on the XXXX complaint page that are just like mine. This bank is robbing people. We need justice. Please help. Thankyou.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was notified by my credit monitoring service that a collection account from Southwest Credit Systems in texas put a collection account on my credit. For the record I have never received any validation of this debt prior to this going on my credit report. I have resided at the same address for the past 2 years and still have a forwarding mail with the post office from my old address. I called the collection company to resolve this issue and the young lady told me that I had to pay this debt and she did not have to verify any information with me and wanted me to provide her with my information. I told her that by law she is to confirm with me my information and validate the debt with me before putting this on my credit report. She told me that the client was XXXX. I advised her that I do not owe any debt with XXXX and my account was a pay as you go account which I no longer have services from them for over a year now. I had many issues while I was with XXXX not just that XXXX system were breached and my personal information was leaked. I would like for this collection account to be removed immediately. THis is not my debt and do not feel that it is right that this collection company can just put this on my credit with out validating this with me. They did not send me anything in writing confirming that I owe this debt and advised that they can continue to call me and seek legal actions until this debt is paid. I am a XXXX veteran on a fixed income and need my credit to survived. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/22/2015 about Debt collection (Auto) with Orions Management Group, LLC (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On XXXX/XXXX/XX/XX/XXXX XXXX XXXX working for Orions Management Group L.L.C. Group called me at my employer. I could not talk so I gave him my phone # and he gave me his as ( XXXX ) XXXX and said I would call back. When I did the same day XXXX minutes later during my lunch at XXXX XXXX he threatened to take me to court and tag on hundreds of dollars in court fees. I asked him to send it to me in writing and he refused to do so. He threatened to send it to his attorneys right now if I did n't comply right now with a promise to pay. I gave him my credit card # and e-mail but no specific day he can charge it nor an amount and said I would call back. I did research and learned the statute of limitations for suing me started the XXXX time I missed a payment which according to my credit report was XXXX and as of the day XXXX XXXX called me the item was seven years old and a Time-Barred debt. I called XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX and asked him if he could sue me for a debt that had run the statute of limitations of XXXX years in my state Washington and he told me he could because the statute for this item started on the Charge off date which he said was XX/XX/XXXX. He then began raising his voice and speaking very fast saying he could charge my card right now or forward it to his attorney and I have n't given him verbal or written consent to do so. I disconnected the call without another word. I sent him an e-mail to clarify what he said on the phone on this same day XXXX/XXXXXX/XX/XXXX and to request this debt in writing. Instead of responding he called me at XXXX XXXX and XXXX harassing me while I am at work and unable to come to the phone. He sent an e-mail reply ignoring my questions and said he would send his settlement offer and that is all I received. After this I sent an e-mail again requesting he respond to my questions and he replied I would have to call him to discuss. To summarize XXXX XXXX threated to take me to court, garnish my wages if I do n't pay on a Time-Barred debt and when asked specifically about his right to sue me he provided false answers and threaten to charge me card for which he has authorization to do so. He caused me undue stress with his false statements and it has adversely affected my health and peace of mind. He is harassing me and using unfair collection practices which are prohibited by Federal Law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased our home as an estate XXXX. The executor of the estate failed to notify the Assessor 's office that the owner was deceased prior to these taxes being paid, therefore the exemptions of {$620.00} were applied to the XXXX school taxes. The unentitled exemptions were then applied to the XXXX XXXX taxes. This extra charge on the XXXX XXXX taxes made the taxes appear to be more than anticipated. However, this is not a tax increase and should not be anticipated towards the XXXX taxes. Caliber home loans is taking this added exemption fee as a tax increase and they are raising my monthly payment {$210.00} in anticipation of this being the new tax amount. I have forwarded a copy of the XXXX tax bill clearly showing the exemption removal fee of {$620.00}, a letter explaining this situation, a tax record information sheet that shows a more realistic tax amount, and the letter showing these exemptions being removed late. The company conducted a review by calling the town and asking what the XXXX tax amount was. I am not stating that the XXXX tax amount should be lower, I am stating there was a fee added that should not be anticipated for the XXXX taxes. The representative and supervisor that I spoke with today both stated that they will do nothing for a one off situation like mine and will not accept any proof other than a tax bill showing a lower amount. I asked if I could ask for a more realistic tax figure from my town hall and they refused this is well. I was even told that their research department only handles paying taxes and would probably not even know what to do with a situation like mine. I feel that it is extremely unfair that I am not even able to prove this discrepancy and am being forced to pay an amount that I have expressed is to high and have proof that is incorrect. Their solution is to pay this unaffordable amount from now until the new tax bill comes out in XXXX and if the amount is less they will refund me. This is not realistic as I do n't believe that I can afford the new proposed monthly payment. All I want is a fair review and an opportunity to pay the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Other fee

Complaint: Macy 's always charges {$2.00} ( as " minimum interest '' ) each month even AFTER the remaining balance has been completely paid off. Is this legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2017 about Debt collection (Other debt) with FIRSTBANK PUERTO RICO (PR).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: This is the second time and the XXXX XXXX XXXX went as far putting their hands in my bank account and took money out of my account without my consent. I keep receiving calls during work hours. Even though I told them to communicate over regular mail to stop calls they have ignored my requests. I need your help with this.

Company response to consumer: Closed with explanation