milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2017 about Debt collection (I do not know) with Stuart-Lippman and Associates, Inc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have an account listed on my cre dit report by the name Stuart Lippman and Associates  collecting for  XXXX   XXXX    XXXX   XXXX   XXXX  n.     I have no knowledge of ever dealing with the original creditor as listed on this account or with this debt collector. This account is reporting as opened in  XXXX    XXXX  . I have not ever received any response from  Stuart Lippman & Associates that validate any information, after mult iple attempts.     I am allowed, under the Fair Credit Reporting Act, the right to debt validation. This company has failed to provide any evidence of my signature with the original lender as well as any information regarding as to whether or not they bought a false account.     If this account was valid, in the state of NC, the statute of limitations is 3 years. I have not at any point in time, verified that this debt is accurate and therefore should be removed immediately from my   XXXX   report.     If this information is not removed, I will be forced to take legal action against this collection agency, which will allow me to seek damages.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: I have had problems with Ocwen for many years ( I filed previous complaints against them in past years through the CFPB ) and once again I am turning to the CFPB to help me.     I recently received a monthly statement that listed that I owed {$1300.00}. I paid this amount promptly. I then received a statement a few days later that stated I owed {$1700.00}, which reflected past due fees/other charges in the amount of {$450.00}. Once again, I quickly made the difference in payment that I paid previously to what was listed on the new statement. A few days later, I received yet another statement that stated I owed {$1600.00} due the next month which includes foreclosure costs and legal service fees. I can see how consumers could be forced into default due to the confusing and inaccurate servicing by Ocwen.     This loan was originated in  XXXX  of  XXXX  and to date, I have never been in foreclosure nor have I ever been late. I called Ocwens customer service and explained this and was told we would not list a foreclosure cost fee if the loan was not at one point in foreclosure.     I did file bankruptcy in  XXXX  of  XXXX  and recently completed my 60 month Chapter  XXXX . However as I mentioned above, I have always paid my mortgage ( even during my bankruptcy as my plan called for mortgage to be paid outside of bankruptcy ) and have never been late. Therefore there should not have been fees assessed due to the bankruptcy as I included the continued payment of my mortgage when my Chapter  XXXX  plan was filed and approved and at no point was my loan ever in default ( which would prompt a foreclosure cost or legal fee ).     I sent my payment to pay the full amount owed as I do not want to be in default or late, however I demand a refund of the {$450.00} foreclosure fee/legal filing services that I was charged.     Please help me obtain a refund of this unwarranted fee.     Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company has reaged a debt that was from XXXX as XXXX it is being reported inaccurately also they never sent me notice of this debt and put it on my credit files. I want it removed from all XXXX beaures

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have tried to settle by offering an amount I understand it 's fair.. these people do n't care and they do n't want to settle for other amount other than what they said..

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have deferred my loans multiple times to see help with repayment options.
I was lied to when signing up for my repayment plan by my loan service provider. I was told that a graduated repayment plan charged me a fixed monthly amount after my first 2 years. My payments were originally XXXX for my first 2 years. I expected them to rise after my initial 2 years, and they did rise to XXXX But, what Navient neglected to tell me, was that my payments would continue to rise every 2 years until the max out around $ XXXX/month. They also did not mention that my {$26000.00} loan would approx. end up costing me {$46000.00} by the time my " repayment '' plan is complete.
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I would have never signed up for this plan had I known. I ca n't afford their schemes and lies. I am going to have to consolidate in order to gain some control over my debt and repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (Medical debt) with The Law Offices of Mitchell D. Bluhm & Associates (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I noticed a debt listed as a hospital bill for {$360.00} on my credit report. I contacted the company listed as owning the debt, to dispute it, as I knew the debt did not belong to me. The company listed as debt owner was  Mitchell D. Bluhm & Associates  -  XXXX   XXXX . The date of the account being opened was  XXXX / XXXX /   2016. I kno w for a fact, that I did not receive the services being billed.  Mitchell D. Bluhm informed me that if I made a full payment, the debt would be cl osed and deleted from my report. Due to me not owing the debt to begin with I refused to make a payment.  Mitchell D. Bluhm & Associates  is violating the Fair Credit Reporting Act, by continuing to report a debt on my report, after being informed that the alleged debt is in dispute, I feel that the company is attempting to extort, money from me that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On XXXX XXXX, XXXX I sent a certified letter to all credit bureaus and Experian advising them that I had never lived at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. The person living there has my same name and had a criminal. Experian was going to correct but still remains on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I made my mortgage payment to  CCO mortgage in XX/XX/2015 for the amount of $XXXX.  This is the correct amount of the monthly payment.  The bank cashed the check for $XXXX short.  I was assessed a late charge for the incorrect amount paid to the bank.  I called the bank and was told that this was a bank error and that this would be corrected and had nothing to be concerned about.  I was also told that since I was such good customer, the problem would be resolved that day.  They also said they would credit the dollar shortage since the bank was at fault.  The following months passed and I continued to receive late charges on my monthly statements.  I called every month and was told that the computer was not updated and that the issue would be resolved.  In XX/XX/2015, I sold the property and noticed that I was assessed a late fee of approximately $XXXX.  I called the mortgage company and was referred to a woman named XXXX. She stated that noone in the company had ever states that this was a bank error and my late fees would not be reversed.  I e-mailed her a copy of the check in question and she did see that it was written for the right amount.  However, she stated that she could not determine if the spelled out amount was written as a XXXX or a XXXX.  Because of this she said the bank cashed the check for the lesser amount and that it was not a bank error.  Therefore, she would not reverse the late charges.  I asked to speak with her supervisior, but was denied that request.  Not only did she admit that the check was written for the correct amount, but her associate also admitted that the check was correct.  They have my late charges form the closing already, but continue to write letters to me  regarding this. They also threaten to report this to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Mortgage (FHA mortgage) with MASON MCDUFFIE MORTGAGE CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I withdrew my request for a loan with Mason McDuffie to work with the Builder 's preferred lender, as this was in my best interest. Mason McDuffie asked me to remain with them and offered a full loan approval in 48 hours. After I declined, Mason McDuffie entered my loan into the FHA system as a denial. This created a significant impediment to my loan being transferred and approved by the Builder 's preferred lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Hi, I wrote a certified letter to Navient telling them to no longer contact me, or anyone else associated with my student loans, by phone and that they needed to send all information to me by mail. They did that for a while but I recently fell a little behind on my loans and they started up the calls again from a very unknown number. They also called my father, who is a co-signer on XXXX loan. They called an spoke with him and, of coure, were very rude on the phone. He is a retired veteran and does n't need that kind of XXXX. Not only did I send a certified letter but I have reminded them on multiple occasions that they are not allowed to call him or myself that they need to send everything in writing. They harass their borrowers and that is why I do not want to speak over the phone. I was told by a Navient representative that that does n't apply to them, that they are allowed to call me. Is this correct? How are they able to harass my father and I whenever they want?

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: My car caught fire on XX/XX/2017 unexpectantly as I drove it. I filed both an insurance claim and a claim with the manufacturer of the car. As of to date the claim is still open and under investigation as I await results from the manufacturers engineer report. The bank in which I financed my car is aware of the situation and has all the documentation they need to either stop requiring me to make payment as my insurance company will declare the car a total loss or if it is a manufacturer default they will compensate for the vehicle. To date I have been called and harassed from capital one about possible repossessing my car, which I do not have in my possession and has since the vehicle caught fire ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am filing this on behalf of my mother who is in XXXX. Barclays Juniper had an open charge account in her name. XX/XX/XXXX they initially reported suspicious activity to me on her account via e-mail. I immediately reported it as fraudulent per their electronic website. In XX/XX/XXXX they sent a statement showing the fraudulent balance, requesting payment. This time I sent them a letter requesting they remove the charges. In XX/XX/XXXX they again sent me notice of suspicious activity. This third time I called their security number and once again reported it as fraud. I was ultimately hung up on by their agent without letting me finish what I was saying. After that I sent them a certified letter informing them to close the account immediately and that any repeated attempts to collect the disputed amounts would be referred to authorities. On XXXX XXXX they once again sent a form letter indicating the amount of {$260.00} is due and providing the methods that the amount can be paid. We have notified them four times and they refuse to remove the amount and keep requesting payment. We have done everything in our power to resolve this with the company but continue to be unsuccessful so we are forwarding this to you as an official complaint. Thank you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Credit line increase/decrease

Complaint: I been with captail one four years I only got one credit increase sffISince I been with them been with them every time I applied for onone I get denied its getting crazy with this I spoke to a fewmangers they said well there so many factors of makinga desion I really do n't unstand im getting the run a roundalso the manger put a complaint about this they said someonewould call me back no one did

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a XXXX XXXX credit card account that was charged off on or round XXXX 2010. XXXX XXXX has been reporting to all the credit reporting agency every month with a increased amounts every month. Since XXXX XXXX has stopped sending me monthly statements after the charge off date. I have no idea what these monthly charges that are being reported to the credit reporting agencies. I am assuming these are interest charges but without some sort of monthly statements how I am supposed to know if these amounts are correct. My point is that XXXX XXXX should be sending me monthly statements per the " Truth in Lendind Act '' if they intend on occurring interest on this old account every month. If they are unwilling to send me monthly statements this account should be deleted from my credit report for none compliance with federal laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Columbia Recovery Group LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received written notice of this debt from the company and never got the opportunity to dispute or validate the debt within the 30 day grace period. The collection account never showed up on my credit report as well, yet now they are charging me for legal fees for a court summons, but I have yet to see any paperwork for the court summons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My Citibank Visa card was compromised. The account was closed but a few small charges ( vending machine ) continued to come in. I notified Citi of these charges and they were taken off. Finally XXXX last fraudulent {$5.00} charge from a vending machine came in and was on the last statement I received from Citi. I called and they said they had already taken the charge off so I waited to see if that charge would be eliminated when they made the automatic payment deduction from my checking account. Indeed they did not remove it and are now seemingly unwilling to reimburse me for this money which by law they are required to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Prepaid card (Gift or merchant card) with U.S. BANCORP (MD).
Issue: Unauthorized transactions/trans. issues

Complaint: XX/XX/2016, I purchased a {$200.00} U.S. Bank MasterCard prepaid gift card at a retail store. I immediately brought the card home and kept it secured in my home. 

On XX/XX/2016, unbeknownst to me, my card was debited {$160.00} for an online payment to XXXX power company. I did not authorize this charge. I do not and have never lived in California and have never had an account with XXXX. In fact, as of XX/XX/XXXX, I still had not ever used my card and it was still secured in my home. No one else had ever seen my card or card number except for me. 

On XX/XX/2016, I was preparing to use my card for the first time and checked my balance online. I then discovered the XX/XX/XXXX unauthorized {$160.00} debit. I used the remaining {$37.00} on my card and then called U.S. Bank to dispute the {$160.00} charge. U.S. Bank asked me to submit my dispute in writing and I promptly did so ( Exhibit 1 ). 

On XX/XX/2016, U.S. Bank wrote back asking me to submit additional information to process my claim ( Exhibit 2 ). I promptly provided this information ( Exhibit 3 ). 

On XX/XX/2016, U.S. Bank wrote back stating that the funds were withdrawn in error and that the funds would be returned to me : " We found that an error did occur and are closing the claim in your favor. A credit of {$160.00} will be made to your account on XX/XX/2016. '' U.S. Bank further stated, " The claim is closed and the credit is considered final. '' ( Exhibit 4 ) Despite this final notice from U.S. Bank resolving this claim in my favor, the funds were not returned to me. On XX/XX/2016, I called U.S. Bank to ask why my funds still had not been credited to me as promised. XXXX, a U.S. Bank phone representative, stated that after sending the XX/XX/XXXX letter to me, U.S. Bank reversed its " final '' decision and now would not release the funds. U.S. Bank had never notified me that it was still holding my funds and that it in fact would not release them, and could not tell me why this final decision was reversed. 

In summary, I disputed an unauthorized charge on my prepaid gift card and U.S. Bank made a " final '' determination in my favor and promised to return the funds to me. Despite this final determination, U.S. Bank is still refusing to return the {$160.00} to me. I request that U.S. Bank return these funds to me, preferably in the form of a check since I do not want to risk these funds remaining on a U.S. Bank gift card.

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 monetary relief
Consumer complaint received 03/14/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Hi my name is XXXX XXXX and my property was wrongfully foreclosed on XXXX/XXXX/2016 by Bayview Loan Servicing , LLC while I was in the process of a modification, I was currently in review for the HAMP program and was told to get insurance, while I was shopping for insurance my home was foreclosure and now i am left homeless as I have already been evicted from the property.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a lot of Fraud Incuries from all kinds of banksXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and none of them are removed from any off my creditreport with Equifax or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Credit card protection / Debt protection

Complaint: XXXX XXXX XXXX has required that I get a new credit card number for American Express and XXXX approximately once a year ( sometimes more frequently ) without verifying a reasonable need to undergo the hardship that changing credit card numbers presents. Many Americans have the majority of their payments to businesses on automatic or recurring payments. When the credit card number changes, it is a very time consuming venture to change this number with all of these businesses. If one forgets to change the number with a business or the number does not successfully get changed, this can lead to late fees and can lead to a mark on the consumer 's credit record. In every case with XXXX XXXX XXXX, they gave an XXXX number to call with questions. It was said there was a merchant that possibly compromised the account but when asking the represntative which merchant was involved and what the compomise was, the answer is " we do not have that information ''. I have called the customer service number each time to complain about this practice but no one appears to care what this is doing to consumers. The customer has a right to know why they are being put through all of this hassle and the credit card compny should be required to verify that it was a big enough threat to merit these inconveniences. It is even possible that XXXX is changing these numbers periodically in a similar fashion that is recommended for changing passwords. This is not acceptable. Please intervene an help to spur legislation that will prevent credit card companies from running consumers in circles just to protect themselves from the slightest chance of merchant compomise. If it has to be, so be it-but the consumer should have the right to know exactly what merchant is involved and what the violation was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation