milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CREDIT BUREAU OF NAPA COUNTY, INC. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I worked for this company called XXXX XXXX after I graduated selling XXXX knives. Needless to say I was just recently told that a customer that purchased a set of knives did not complete payment so it charged back on me, however I was no longer with the company. Being that I was n't making enough money had to move back home, so the company did not have my address or phone number to contact me, in which they stated when I got in touch with them on XX/XX/2016. I made them aware that I did not know about this until I viewed my credit report myself. I called them they told me the account was written off for {$270.00} no other interest etc. Needless to say on my credit report XXXX has reported {$400.00}. I have set up payment arrangement directly with XXXX XXXX to pay the XXXX off. I contacted XXXX about the wrong amount reporting and the rep. was very rude and stated it does n't matter what XXXX is requesting you will have to pay the XXXX that we are looking to collect. Never had this happen to 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 02/27/2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: I have submitted Prior Complaints, and recently Withdrawn my Complaints against Select Portfolio Servicing Inc., however, I just received a letter dated XX/XX/XXXX, Stating " SPS Previously Received Your Request For Loss Mitigation Assistance, But We Now Consider The Assistance Request Withdrawn. We are not Considering Your Request for Assistance at this time Because : After initially asking to be considered for Assistance, you Withdrew That Request on XX/XX/XXXX. 

I have never, ever made any Request to/of SPS Inc, except for them to Stop Calling Me, Stop Writing me, and Stop any/all Contact with me, concerning the Property that they Purchased from XXXX XXXX XXXX, ( SPS Inc Account Reference # XXXX ), Property Address : XXXX XXXX XXXX, XXXX, Georgia XXXX. 

That Property was Abandoned/Turned in/Over To the XXXX XXXX XXXX, Appraiser on XX/XX/XXXX, after an on-site Joint Physical Appraisal was completed, and according to Internal Revenue Service Publication 4681, the turning over and acceptance of a Property, Any Property is Considered A Sale or Transfer, and I am under Bankruptcy Protection. Therefore, since the prior Mortgage Company ( XXXX ) took Possession of the Property, and Issued an Abandonment Form XXXX, which SPS Inc., is well aware of and has been issued a Copy, and I have no Personal Libability for that Property, SPS Inc., has no business contacting me. 

SPS Inc, Claims to have purchased the XXXX XXXX XXXX, XXXX, Georgia XXXX, Property, yet the Official Muscogee County Georgia Tax Commissioner 's Office, and the Muscogee County Georgia Superior Court Clerk Records show nor record of any any Property Transfer/Deed Recording? That Property is  still listed with XXXX XXXX as the Lien Holder? 

SPS Inc., States that Property was purchased by a XXXX, DE Company in XX/XX/XXXX, yet this is XX/XX/XXXX, and no official records show this to be true. 

So now, SPS Inc., needs to produce some evidence of a request from me in writing for Loss Mitigation, which does not exist, or state that they have lied for the record.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Auto debt) with EXETER FINANCE CORP. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The company which is pursuant to sue for wage garnishment have not ever spoken to me, notified me of my knowledge by mail or any other form of communication that they were the direct agent assigned to resolve the debt until I received a summons for a wage garnishment lawsuit against me. The company is misleading on my credit reports & in summons that they have a record of constant communication with me concerning my default account. I have spoken to no actual representative at all to resolve anything. Also, the statute of limitations is up for this account. So, far I responded to the summons to go to trial by XXXX XXXX, 2017 and will be sending a sworn denial on XXXX XXXX, 2017 with courts and trying to follow the FCDPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bleier & Cox APC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX, XXXX and her law firm, Cox and Bleier are attempting to sue for " legal fees '' they claim where accrued while trying to collect on a debt for plaintiff, XXXX XXXX ( XXXX ). Originally, the debt went to collections in XXXX and was bought/transferred by several different agencies and attorneys over the years. Bleier purchased/acquired the debt recently from XXXX XXXX XXXX XXXX, and is now suing for legal fees, they say were ratcheted up while representing XXXX. XXXX did NOT hire XXXX XXXX, according to the conversation I had with an XXXX representation, soem time ago. Neither firm is the original collector. Bleier recently subpoenaed my bank statements on XXXX/XXXX/XXXX in an effort to move forward on the phony suit. Her office is using predatory practices to obtain money from those who fell behind on their bills and found themselves in debt, years ago, when the economy fell. The debt is over 7 years old and the statute of limitations have passed for this debt. They have no right to collect on any fees and did not represent XXXX in any fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Vehicle loan or lease (Loan) with U.S. AUTO SALES INC. (NC).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: The vehicle was wrongfully repossessed in XXXX XXXX. The lien holder of the vehicle failed to fix electrical problems with the car. The car was repossessed and sold in auction. The amount the car sold for and what I owe is completely wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Student loan (Federal student loan servicing) with SUNTRUST BANKS, INC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Sun Trust Bank is XXXX of the lenders for my student loans. There was a period of time in which I was unable to pay my loan and it became delinquent. This was due to the death of my youngest son, the XXXX of my oldest son with XXXX, followed my the death of my Dad.. Subsequently, I was contacted by a company representative to make minimal payments of $ XXXX {$10.00} per month, in order to return my account to good standing. Given the circumstances, I jumped at the opportunity. 

Once my account was returned to good standing, I applied for a student loan consolidation. As a result, I discovered that the balance for Sun Trust Bank had been increased by approximately & XXXX, which was significantly more than the original amount I borrowed to take courses at XXXX University. Although I did bring this to the attention of a FSA representative while requesting assistance with the loan consolidation process, I was informed that nothing could be done. 

It 's incorrigible that any financial institution would be allowed to take advantage of a person to this extent. My goal is to complete my degree and pay my student loans. However, it 's unethical to charge such an excessive amount of money in the name of providing assistance to someone that is experiencing an extreme financial and emotional hardship. 

Please advise what, if anything, can be done to resolve this issue. 

Thank you. 
XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX

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 03/23/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: When I opened by checking account with Chase Bank, I made a written agreement not to honor any EFT 's nor other debit transactions because I did not like to be bombarded with excessive bank fees. Chase Bank refused to honor this written agreement and bombarded my checking account with a total of {$450.00} bank charges. I am a XXXX retired individual and with a flat income that I receive each month, I can not afford to pay these excessive bank charges. Please help. I tried to call their Customer Service Call Center but I get transferred too many times and I am unable to get a response back with these bank charges. Chases refused to abide with the written agreement that I had with them. Attached you will find the agreement that I signed for. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an FHA loan with escrows. The loan servicing company failed to pay our homeowner 's insurance premium on time last year and our homeowner 's insurance policy was cancelled due to non-payment and I had to pay the premium out of my checking account directly to the insurance company to have the policy reinstated and this year they did not pay the flood insurance policy on time and I have had to do the same thing.

Company response to consumer: Closed
Consumer complaint received 09-09-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I thought the problem was resolved but it seems as if I am having the same problem. For your review and consideration I am enclosing a letter from Fed Loan servicing dated XX/XX/XXXX stating that my monthly payment was recalculated at {$300.00}. I am also attaching a letter dated XX/XX/XXXX that sates my monthly payment has been recalculated to {$440.00}. This amount is very close if not identical to what it was when I contacted your office originally. 

I would respectfully stress that I have not submitted any additional documentation to fed loan servicing regarding my income since XX/XX/XXXX. They are using the same exact documentation they had when they issued the letter on XX/XX/XXXX to come up with this amount. I have not been successful in getting a satisfactory explanation at how they arrived at this figure. 

I would be grateful for your assistance in getting the amount back to the {$300.00} that it was previously. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Debt collection (I do not know) with The CMI Group, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A credit record from unknown company was reported to my collections account at XXXX XXXX, 2017. I highly suspect someone stole my identity to perform this transaction. 

Original Creditor : XXXX XXXX XXXX. 
Amount : {$430.00} Creditor information : XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Medical debt) with NRA Group, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: While checking my credit reports, I noticed a collection account from XXXX XXXX, I have written to this company several times asking them to validate said debt and have not received any correspondence back from them. This negative account is affecting my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: InXX/XX/XXXX I had opened up an account at the branch and they were offering a promotion to refer customers to HSBC. Each new account customer gets a {$250.00} bonus for being an " Advanced Checking Customer '' if acct is funded with $ XXXX. 3 months go by and I following up with bank that it still missing. They credit the account with {$100.00} and missing {$150.00}. I contact the bank again. They said it takes 8 weeks to post after the acct is opened for 3 months. After 5 months still not resolved. At 6 months, we follow up again and they said give it another month. So I've already placed at least 5 phones calls to the branch and main number. On XX/XX/, we call HSBC main number and they find the wrong promotion code is entered and file an investigative report. Said to give them a week and they will call back. I called them on XX/XX/, and they have no idea what is happening and still not resolved. I am filing a complaint in that they are misleading people to opening accounts but will not commit to the advertisement. They hold onto your money with no one taking charge to resolve the case. You can't close your account as they hold this issue open as hostage and charge you a penalty if you close prior.

This the 2nd complaint I'm filing as they have said they will escalate and then closed the case before it was resolved. When I called in and I had the customer service representative, XXXX to note on the account that my mother, XXXX, to be given full authorization to discuss all aspects of this account as I was traveling out of the country and yet they would not disclose the resolution to her. Because they did not fund the account in a timely manner, I was likely hit with charges while traveling abroad. They should reverse any account charges as if the funds were there. 

Very poor customer service. They refuse to provide a number to call into the corporate office. They would only provide an address to write in and it may take 30 days to get a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Delinquent account

Complaint: I submitted a previous request for information on my account. XXXX has failed to return my calls and did not address my concerns. She provided statements for only 1 of the accounts in collection but did not provide on the second account being collected on by : XXXX. I would have provided her this info but she never called me back. I need to see fees that were applied as well as how my deposit was applied to any past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX Account # XXXX Please delete this from my credit report because I am only an authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We were approved for a Home Affordable Loan Modification trial period plan by Ocwen on or around XXXX XXXX, XXXX. The details of the loan are as follows : * 3 monthly trial payments of {$3200.00} due on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX * Payment for Escrow, ( where permitted by law ), including real estate taxes, insurance premiums and other fees, if any, of {$1400.00}. 
* 2 % for life of the loan * Balloon payment due of {$380000.00} - XXXX * New Unpaid Principal balance is {$580000.00} We were told by our relationship manager, XXXX XXXX, who is part of Ocwen 's litigation department, that our loan would have to be escrowed as part of the HAMP Trial Payment Plan. Our original mortgage was not escrowed and we have remained current on our property taxes and home owner 's insurance since XXXX till current. According to the documents provided by Ocwen, part of the trial payment is to be for taxes and insurance. I received a mortgage account statement from Ocwen that states {$0.00} of the trial payment was applied to taxes and insurance. Per the mortgage account statement {$390.00} was applied to the Principal, {$2700.00} for Interest and {$24.00} applied to " Unapplied Funds ''. Our original mortgage payment to Ocwen was {$3100.00}. Seems our 1st trial payment was applied based on our original loan payment of {$3100.00} and not on the trial payment plan of {$3200.00}, in which {$1400.00} was to be applied for Escrow ( Tax & Insurance ). As you can see from the mortgage account statement, {$0.00} was applied to Escrow ( Taxes & Insurance ). 
Also, Ocwen received our first payment of {$3200.00} on XXXX XXXX, XXXX, but I received a mortgage account statement yesterday with a statement date of XXXX XXXX, XXXX in the mail that states payment is " due now ''

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Other debt) with Conn's, Inc. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: My bill is only 5 days late, and in those 5 days XXXX has been calling me non stop. I received at least XXXX calls a day in the last 3 days alone. 

I spoke with a representative XXXX on XXXX/XXXX/XXXX at XXXX and advised her to stop calling me and to notate my account that I do not want anymore calls. 

Since that time I received another call at XXXX. The next day, XXXX/XXXX/XXXX I received a call at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Struggling to pay mortgage

Complaint: Owned property located at XXXX XXXX XXXX XXXX, XXXX WA XXXX. XXXX XXXX was also a register co-owner register with XXXX XXXX WA. 
XXXX XXXX had a XXXX Attorney Chapter XXXX, this was my only debt. I had my pay garnished for two years, they made the payments and took more, when all of a sudden they dismissed the Chapter XXXX. 
XXXX XXXX started to make mortgage payments, all. UNFORTUNATELY the company, OCWEN Financial placed in a separate account, unknown reason. Regardless we hired another attorney, Florida Attorney, XXXX XXXX, charging us {$1500.00} for four month in a row. 
Finding all of this too much to deal with and getting no protection from anyone, we decided to make a move back to our family in XXXX XXXX, we purchased another home and moved out of the XXXX XXXX. We were contact prior to move by a neighbor who had a friend who dealt with real estate. We asked this person to deal with the house. 
We received a notification from OCWEN that the house mortgage was paid in full, and thanking me for my payment. WE KNEW NOTHING ABOUT A SELL, COULD NOT REACH OUT TO ANYONE for information. Now we find out that the house is FOR SALE at {$400000.00} which is its true value, We want to know what or when do we receive the monies outstanding due to us above our mortgage. 
There is something shady out here and we need to know information., We appreciate your time and consideration regarding this matter. We have never received any NOTICE, letters from OCWEN, and any CREDIT ding for late payments. We have emails from the Mortgage holder as late as XXXX stating all is fine. They went paperless but that does not STOP THE FORMAL PROCESS OF ANY FORCLOSURE, we have never received any notification and our location is noticed with the XXXX and others. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: remove the inquires XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from 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 non-monetary relief
Consumer complaint received 08/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Richland Holdings, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do not owe this company the amount stated, requested validation and evidence and nothing has been received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation