milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2016 about Debt collection (Medical) with Franklin Collection Service, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid and was supposed to be taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Credit card) with Messerli & Kramer P.A. (ND).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The company is Messerli and Kramer, a debt collector. They took over the account I had with XXXX -- that was sent to XXXX XXXX. The original amount, according to my credit report was {$3200.00}. I paid XXXX payments of {$100.00} to Messerli/Kramer. When I called them the week of XXXX XXXX, the representative was very rude. Told me the balance was $ XXXX My payment had stopped on XXXX of 2015 -- I have written proof of payments from my Credit Union . According to the balance, they have issued unauthorized charges of interest of approximately {$1000.00}. I told the representative, XXXX, that I intended to dispute this, and he told me I coul n't dispute it. I believe that they have made unauthorized charges unfairly to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Medical debt) with Stanislaus Credit Control Service, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX paid for this debt. XXXX already resolved the issue and took it off my record but continuous to reflect in this bureau. Furthermore, account is so old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Debt collection (Auto) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Got a call and voicemail from XXXX. No caller ID and asked me to call back XXXX and gave me a case #. Upon calling back they asked me to verify my address, SS # etc. I did not disclose any information and I asked what this was regarding. They said they needed to verify my case before they could give me any details. Then they asked about an old account/tradeline that was paid in full and closed in 2008 9 years ago. I told them this debt was paid in full and I no longer wish to speak with them. They were threatining to sue me and stated they sent an " official '' document to my address 45 days ago and because I did not respond with 30 days they are suing and I will be arrested immediately unless the debt is settled. I then explained the debt was paid 9 years ago and I am no longer interested in speaking with them about this matter. They hung up. I am concerned that I am a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a cell phone account with XXXX and after being improperly billed and receiving a monthly bill of around {$800.00} in inaccurate charges I contacted them. They cleared the account balance and I then proceeded to move to another cell phone provider. I found a charge of {$430.00} on my credit report and I can not get anyone to resolve this issue. They told me that because the account is in collections there is nothing that they can do. I had a zero balance when I closed the account from XXXX.

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 02/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Two requests have been sent requesting a security freeze be placed on my credit file as I am a victim of identity theft and want to prevent any further fraudulent use of my credit information. Both requests were sent USPS Certified, which were signed received on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Included in my request a copy of my police report, identity theft affidavit along with sufficient proof of identity. 
According to Texas 's Business and Commerce Code Sec. 20.034. Upon receipt of my request, the security freeze should have been placed within 5 business days and written confirmation sent within 10 business days. I have not received any confirmation that a security freeze has been placed on my consumer credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with Lloyd & McDaniel, PLC (AR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I enrolled with a debt settlement company  XXXX . One of the accounts was a  Bank of America ( BofA )  credit card debt. Al of the other credit cards and debts have been successfully paid off or are still in a repayment program. Payments to  XXXX  were initiated  XX/XX/XXXX  and followed on   XXXX  ,  XXXX , and  XXXX . I received a piece of mail from a law firm in   XXXX   XXXX   AR, offering their services for representation regarding a lawsuit filed against me by  XXXX  and  XXXX  law firm on behalf of  XXXX . I was unaware of this at the time. My name was also in the Sunday,  XXXX   XXXX , newspaper noting said lawsuit. I contacted my debt settlement company,  XXXX   XXXX , Thursday  XXXX   XXXX  inquiring why I was being sued. They had informed me at that time that  XXXX  had already received payments for the debt and would check into this matter. After further communication with  XXXX , they informed me they were in process of negotiating a new settlement with  XXXX  and could not explain why I was being sued. I informed  XXXX  I would contact  XXXX  and  XXXX  and attempt to settle this debt without their assistance. I was formally served the lawsuit papers the evening of Tuesday,  XXXX   XXXX  at my home. I contacted  XXXX  and  XXXX  Wednesday  XXXX   XXXX  and spoke with  XXXX   XXXX  ( spelling? ) and negotiated a settlement with her that same day. Subsequent papers were sent out which I received the following Tuesday,  XXXX   XXXX . I spoke with  XXXX   XXXX  the following day and she informed me the papers I received were null and void and would n't be honored. She asked me to mail them back to her and then later in the conversation advised me to shred them. I still have these papers in my possession. I then attempted to negotiated a second settlement with  XXXX  and was advised to call her back if I did not hear from her. I attempted contact again Monday,  XXXX   XXXX , left message and again Friday  XXXX ,  XXXX .  XXXX  left me a message Monday  XXXX   XXXX  and I attempted return call approximately  XXXX  min after and have not had return call from her through end of business day today,  XXXX   XXXX . I feel I have been diligent in trying to reconcile this debt and I was unjustly sued by  XXXX , through  XXXX  and  XXXX . L I have spoke with, although have not retained an attorney at this time and have concerns there  XXXX  be Fair Debt Collection Practices Act violations with this manner. Thank you for your time regarding this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (TX).
Issue: Struggling to pay mortgage

Complaint: My wife and I file a application for mortgage assistance/modification thru Wells Fargo for we were unable to maintain a {$1600.00} monthly payment which has now been raised to {$1900.00}, for I have retired some two years ago, and now living on a pension and social security and my wife receives XXXX with a net income just over {$70000.00} and we still have XXXX XXXX children living at home attending XXXX XXXX of which XXXX are XXXX getting ready to enter XXXX of which was well defined in my application and my wife 's XXXX was defined and pointed out in the application. The first application was filed on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Wells Fargo Home Mortgage and the sender was XXXX XXXX XXXX Home Preservation Specialist XXXXXXXX XXXX  or faxXXXX, and the letter stated based on the documentation that I had provided that my monthly income before taxes, and other deductions was adequate to make this monthly payment. Upon learning the decision I placed a call to XXXX XXXX and his advise was to file again, and on XX/XX/XXXX I filed another application to the same person only to receive on XX/XX/XXXX the same response that we had adequate monies to make this payment of which had been raised to XXXX monthly of which XXXX never made reference to that figure only the {$1600.00} which led me to believe that he had never read the second application. Our financial monthly income/expenses clearly pointed out that we were not able to continue with this large of a payment when all we need was just to modify the loan of which we have a {$28000.00} balance against a home that appraises just over {$180000.00} per Wells Fargo. I hope you can help with this injustice against XXXX XXXX XXXX of which one is XXXX.
I hope this letter can help not only XXXX and myself, but anyone else that may be receiving the same injustice.
Thanks XXXX XXXX XXXX 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
Consumer complaint received 01-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I carry debt on a private school loan. I receive at least XXXX calls per day from XXXX different numbers. I feel as though I am being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (IL).
Issue: Trouble during payment process

Complaint: I have contacted my mortgage company roundpoint consistently over the past 2 months to try and resolve my escrow issue. I have asked repeatedly for a copy of my original documents to be sent to me but have yet to receive those, or find a resolution for my account. I have now been assigned to 3 different customer advocates none of which are ever available for calls nor do they return my calls. In the interim I have reached out to customer service to try and resolve this but have been told every time I need to speak with my customer advocate, which never pans out. I am unable to contact anyone or receive a response.

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 12-07-2015 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On or about XX/XX/XXXX and XX/XX/XXXX I received dunning notices from Bayview Loan Servicing regarding an alleged mortgage loan. On XX/XX/XXXX I sent Bayview Loan Servicing a Notice and Demand To Validate Debt Claim. On or about XX/XX/XXXX I sent a final notice of dispute and notice of pending lawsuit. Bayview Loan Servicing did not validate their claim. Bayview responded by sending me copies of a promissory note and bank statements which did not validate their claim. Bayview is a debt collector who is attempting to collect on a alleged defaulted debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



XXXX XXXX TX XXXX XXXX, XXXX Closed {$1200.00} Account Details Last Reported XXXX XXXX, XXXX XXXX Original Creditor XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX {$1200.00} High Balance {$1200.00} Remarks XXXX Result : XXXX 
Dispute Reason XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX COM XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX. 
Balance {$0.00} XXXX XXXX {$650.00} Remarks XXXX See something wrong? 
You could dispute an error with Equifax. 
Manage Your Collections Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A debt recovery agency has continuously called by home inquiring about a XXXX XXXX. This person does n't reside in my household and I 've been at my residence since 2008 ( moved from another zip code which dictated receiving a new phone number ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Mortgage agreed to a repayment plan since I had fallen behind because my husband had XXXX and we had gotten behind. Down payment of {$3000.00} on XXXX XXXX, 2016, and equal payments of {$1100.00} for 5 months. I paid XXXX and XXXX payments early, but I had to be late on XXXX and called them and they said that was fine. I made that payment XXXX XXXX, 2016. Then I stared receiving calls and ugly letters telling me first that I had not paid XXXX payment, then the next person said XXXX payment. I have been on the phone all day speaking with different people. They revoked the repayment agreement because I was late and have my money sitting there. Finally I spoke with a really nice guy who got them to reinstate the loan with my regular payment, but I have n't made the XXXX payment yet because they have taken part of what I sent and made it the XXXX regular payment, even though I sent them {$1100.00} for the XXXX payment and they will apply {$480.00} as soon as I send them {$170.00} to complete the XXXX payment, even though I sent the XXXX payment of {$1100.00}. The guy I spoke with today said it was noted I called, but they have the right to revoke if your even XXXX day late on a repayment option. I also received a notice this week that they are taking out insurance on my house. I have told them repeatedly that the escrow is to cover the taxes and insurance. Our loan was originally with Homeward Residential and it was in the paperwork. I have since lost my paperwork and Ocwen claims there is nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Judgment was settled and dismissed ..never should have been placed on credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When I consolidated my student loans, it was serviced by Nelnet. There was an incentive package that they advertised which constituted of a .25 % reduction in interest rate if you autopay and 1 % reduction in interest for on-time payments or a cash rebate when the loan was consolidated of XXXX of the balance of the loan. When it was time to receive the 1 % reduction in the interest rate they stated that I no longer qualified as I made a late payment several years prior. This was incorrect. When I supplied them with the information, I had on file they never responded. They stated that I was late making a payment on XXXX/XXXX/XXXX and that I did not make a payment to XXXX/XXXX/XXXX. Also that I had turned off my auto debit payment. This was incorrect. I show no email stating that I had turned off my auto debit and I have emails going back to XXXX in my XXXX account. Also, I had an unemployment deferment stating XXXX/XXXX/XXXX so I did not have to make that payment as I was in deferment. This is clearly noted in the document they supplied me. XXXX XXXX pmnt histry and defer histry ''. It is a pdf file attached. Also, this was after years of it showing I did qualify on my account status page. Also, I have asked them several times for the policy, contract, or rules regarding these incentives. They have never supplied me with this information in writing or verbally. Also. I have asked who was the originator of my loan and who currently holds the loan as they are just the servicer. They have not supplied me with this information either. Finally, I asked them for the literature on the incentive package that they offered when I consolidated my loan, and they did not give that to me. Their position is that the incentive programs are not part of the loan consolidation agreement, and they are not bound by it. Their rules are not transparent which makes them impossible to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Debt collection (Mortgage) with U.S. BANCORP (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: After I refinanced my ho me US Bank sent 2 escrow ove rage checks. I deposited both checks, waited for the checks to post to my account then used the extra money to make a payment to my credit card. After the payment cleared I learned  that 1 of the checks was returned unpaid. I learned from my bank that a stop payment had been issued on one of the checks. After several phones calls to US Bank I was told that they, US Bank had made a mistake on the closing and that the payo ff would have been short which is why they stopped payme nt on one of the cheks. I was also told that a representative of US  Bank had contacted me on  XXXX   XXXX ,   XXXX   the same day the stop payment was issued to explain that i should not cash the {$1400.00} check becuase it would short the pay off. That conversation never happened and the check was mailed on  XXXX   XXXX ,   XXXX  . My records prove that call never happened and I had no way of knowing that the check was no good until it bounced. I have se nt 2 demand letters via certified mail along with phone records that prove they never called but the repose was the same. " We apologi ze for the inconvience '' but they refuse to take responsiblity for the damages except for the nsf fee of {$10.00}. Because they made NO attempt to contact me verbally or in writing, mailed the check even after they stopped payment on it resulted in dilberate and intentianal fraud. This " mistake '' was more than an inconvienece it cost me over {$2800.00} and all my savings to cover the overdraft. All they had to do was notify me and this would have never happened. They took every precaution to protect themse lves and not one attempt  to protect my interest.

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 06/25/2016 about Debt collection (Non-federal student loan) with SYNCHRONY FINANCIAL (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I 've been sued in XXXX XXXX while I live in XXXX. The debt, if any, was not acquired while I lived XXXX. I lived in XXXX XXXX for 3 years, XXXX, after I retired from active military service. I moved back to XXXX XX/XX/XXXX, for medical treatment. I was not properly notified, the debt is 7 years old, passed the statute of limitations XX/XX/XXXX as well as in XXXX XXXX. The funds are exempt from collection, ( social security for XXXX, veteran compensation, ). XXXX XXXX, XXXX is the collection company in the states, represented by XXXX attorneys & counselors at law in XXXX XXXX. I am a XXXX veteran, if forced to attend to court in XXXX XXXX will require me to acquire great deal of expenses to include, travel with my caregiver, car rental, lodging, creating an unnecessary financial and mental burden. Causing me physical and mental distress.

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 03/15/2017 about Debt collection (Medical) with Jon Barry and Associates, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Paragon Revenue Group has continually harassed me through repeated phone calls. The associate XXXX has threatened me and has spoken harshly to me when I requested time to investigate the charges I allegedly owe to a medical bill.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Mortgage (VA mortgage) with LoanCare, LLC (LA).
Issue: Struggling to pay mortgage

Complaint: I completed a loan modification with a previous service provider ( due to a chapter XXXX bankruptcy in XXXX ), XXXX XXXX in XXXX XXXX, my trial payments were {$1000.00}. LoanCare purchased the mortgage and immediately put my loan into loss mitgation where they have been reviewing and asking for documentation that XXXX had already obtained. As of XXXX XXXX, XXXX my loan has been with their underwriter. There has been no decision. It is my understanding that the loan servicer has 45 days under Federal Law and that they were supposed to honor the previous loan modification done by XXXX. None of this has occurred. I have attempted to make payments but have been told I ca n't because the loan is with the underwriter and the amount has now gone up to over {$1200.00} due to statements I am now receiving, this has resulted in me falling a couple more months behind, despite my best efforts to resolve this issue. I have contacted LoanCare multiple times via phone over the last 45-60 days, and have never received a callback from their loss mitigation or my single POC. 

In the most recent conversation today XXXX XXXX, XXXX, one of the customer service reps, when I informed her I was looking into federal and legal resolution told me " you have to do what you have to do. '' To me that symbolizes LoanCare 's commitment to customer service, which is ZERO. I have the documentation from XXXX, proof of my 3 trial payments being paid successfully, proof of being accepted into their hardship program and then proof of LoanCare raising payments and not honoring the approved hardship which I will be happy to provide if they require that information ( even though they should have received it from 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