milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2016 about Debt collection (Medical) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a final statement from XXXX XXXX XXXX XXXX, XXXX via USPS mail on Saturday, XXXX XXXX, 2016. The notice was dated XXXX XXXX, 2016 and had been mailed an old address. Monday, XXXX XXXX, 2016 I contacted them via the phone number listed in the letterhead, explained I received the statement, needed to change my address, and would have the first of four installment payments in the mail soon. 

According to the document one option of payment was to make " 4 equal interest-free installments '' and " The 1st payment due within 30 days of receipt of this statement ''. I put the first of four checks in the mail Monday, XXXX XXXX, 2016, also including a photocopy of the lower half of the letter with my signature as instructed in the document. 

No additional correspondence had been received from XXXX XXXX XXXX Associates prior to Tuesday, XXXX XXXX, 2016, so I mailed the second of four installment payments to the same address, with documentation as required. The following day I received a letter in the mail from IC System debt collectors, XXXX XXXX, MN, dated for XXXX XXXX, 2016, stating XXXX XXXX XXXX XXXX had sent my account to collections for delinquency. The amount of debt attempting to be collected was the original amount owed, minus the check XXXX XXXX XXXX XXXX had cashed on XXXX XXXX, 2016. 

I called XXXX XXXX XXXX Associates the next business day, Thursday, XXXX XXXX, 2016 and asked to speak to a supervisor. I spoke with a gentleman named XXXX, who confirmed my paperwork and check had been posted to my account on XXXX XXXX, and cleared XXXX XXXX, 2016. He said I would need to talk to the collections XXXX, XXXX, to further clarify the situation but she was " out of the office ''. I informed XXXX that I had already put the second installment payment in the mail, and left my name, account and contact information and asked my call please be returned ; it was not. XXXX also told me they would contact the debt collector on their behalf and explain the mix up ; they did not. 

Monday, XXXX XXXX, 2016, after no contact had been initiated by XXXX XXXX XXXX XXXX, I again called the office, was told XXXX was " not in the office '' and they had not received my check. I again told them I wanted my call to be acknowledged and returned. I contacted the debt collector who confirmed XXXX XXXX XXXX XXXX had made no attempts to rectify the misunderstanding, and it was suggested I dispute in writing with supporting documentation or my bad debt would by reported to credit bureaus on XXXX XXXX, 2016.

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 01/17/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Loan servicing, payments, escrow account

Complaint: For the last several years my mortgage company has continued to call and harass me about my payments. Here it is in a nutshell, I asked XX/XX/XXXX if i could make my payments at the end of the month since i get paid at the end of the month, the company said yes. Well, when that happened i was charged late fees, i called and asked why would you tell me something like that, they said that when you signed your mortgage it as signed for the beginning of the month. In order for me to do that, as far as making payments toward the end of the month, it will cost XXXX extra a month for each mortgage, I have XXXX mortgages XXXX and XXXX. I ask them to explain and according to wells fargo aka america servicing company that it cost monthly to reprocess your payments, and the XXXX a month addition would be for the life of the loan which is 30 years ( Monthly for 30 years, even though it is not written in their clause ). So at this point, I pay my mortgage on the XXXX of each month, and late fees has piled up but when i look on my credit report it says current, which means that they are trying to take advantage of a high interest rate homeowner, 9. 25 %, and 12.25 % ... ... .since XXXX I have been trying find companies that would refinance me but to no avail every company wanted money upfront even HUD , so Im stuck, and on a XXXX salary no one wants to help a XXXX and his family.. I have them on call blacklist, and they call every day three or four times a day. Can someone in your organization help me????? or do you need money upfront. the only time they dont call is when they get paid, but that only last from the the day it hits their system as a payment until the XXXX of each month, however these last few weeks they have been harassing me daily and it needs to stop. In XX/XX/XXXX, I applied for a loan modification, and they rendered a decision according to them - Our investors ruled that a you dont qualify for a modification- when I called and ask for an explanation, Wells Fargo told me that there was not explanation and that an explanation was not warranted, in other words, the XXXX with giving a reason, just take what the decision that is being dealt to you.. I would love to have an attorney who could help my family, I wish we could have a company that is about the homeowner, and not the mortgage company, A good friend once said, " Good luck with that " So here we are!!!!!!!!!!!!!!!!!!!!!!!! Whats next??????????????? From an underpaid educator, with high end interest, with a crooked mortgage company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: PayPal continuously contacted XXXX XXXX about a debt before XXXX as well as informed her of an amount and what actions they are going to take against me. I am understanding that they continue to communicate with her even after she stated she wishes to no longer be contacted. I have never used her information with PayPal. She is simply a family friend who I sent money to, without issues or incidents, using PayPal services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been working on a HAFA short sale with Loan Care for over 90days and I was never able to get through to one of the processors on the file. Every time I called I was told that there was another document that was needed but no one ever called me to request that document. Immediately after I found out what was being requested I submitted it right away. 
Recently on Monday XX/XX/XXXX the property got foreclosed on and the lender refused to try and stop the sale date.

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 09/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Garrison Investment Group (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I was at work yesterday and received a phone call from Foundation Finance and I did not give my work number to them, EVER! XXXX at foundation finance admitted to searching for my work number and reaching out to me with out my permission. Several phone call have been made this month to try to collect a payment. I know when I need to make my payment and I also know when my bill will hit my credit report. What I do not like is that they without my permission searched for me and found my work phone number and then admitted to it to me today at XX/XX/2016 at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX stated that they are not going to report any late deliquencies or repossession or collections or missing payments to Experian, XXXX and XXXX because of my vehicle loan issues and disputes. Also accommondate me on my XXXX XXXX  under my XXXX XXXX Act Civil Rights.under the Department of Justice. Is upon the discretion of a company management to report to credit reporting agencies and in good faith a full payment of {$880.00} was paid on XX/XX/XXXX on my birthday to accommondate the disputes of loan issues and interest rate of 17 %. The full payment was debited from my XXXX XXXX XXXX Checking account. I can not afford to have bad credit and low scores because I am trying hard to find me a lender that will lower my monthly payments of $ XXXX {$440.00} and high interest rate of 17 % with XXXX. Is XXXX in Retaliation because I file various Federal Complaints and seeking to destroy my credit so I do n't have another lender? I am XXXX XXXX and Retired. Notice : My XXXX Account Loan # XXXX XXXX XXXX XXXX XXXX Purchase on XX/XX/XXXX in XXXX, Texas while under Bankruptcy Chapter XXXX proceedings. On XX/XX/XXXX I receive credit reporting Monitoring Alerts on 30 days late, Deliquencies, missed payments on my vehicle loan. I am a Military Veteran, XXXX 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 06-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/16 Chase bank XXXX no XXXX XXXX XXXX CA. The ATM withdraw of {$400.00} Atm did't give the cash We went inside to draw the money the account showed a ATm withdraw of {$400.00}, but we did't get the money.Showed the banker the ATM slip showing we did n't money So they put the money back into the account. But a month later they took it out again. saying it not on there summery of transaction. Now every bill has bounce I 'm about to homeless..

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Citi Best Buy c redit card keeps ignoring my reports of fraud on my account. They keep making me pay for fraudulent transactions and interest. It started on  XXXX   XXXX   XXXX  with a purchase at Best Buy that should not have happened. They claim that I originally wanted to dispute the transaction ; this is false. The transaction IS NOT MINE!     Also, there are transactions in  XXXX  and  XXXX  of  XXXX  for  XXXX   XXXX  for   XXXX   XXXX   XXXX   XXXX   and several transactions between  XXXX   XXXX  and  XXXX   XXXX  for   XXXX   XXXX   XXXX   that are FRAUDULENT. They restricted my access to previous statements so I ca n't view the specifics.

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 07/20/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My payment for my Amazon Store Card is due today, X/XX/2017. I previously had scheduled a payment to come out today, but logged into my Account this morning to update the payment amount. For some reason, Synchrony Bank has locked me out of this payment and I can not edit it. If the system says I have until XXXX to schedule a payment and for it to count for the same time, why did they process my payment before that time and not allowing me to edit it? This is against my cardholder agreement as I should be able to edit payments up until that time. Customer Service Reps are of no help and I was left on hold for over 20 minutes waiting for a Supervisor. Poor Customer Service all around!

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 02-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I started by writing a letter approximately a year ago, letting them know the debt was being reported incorrectly. Since that time, without getting any response, I disputed the charge with XXXX credit reporting agency ( it was " verified '' which was a lie ) and hen a few months later, another CRA ( also " verified '' ). I have not followed through in getting it corrected as vigorously as I should by filing a complaint or suing because I 've been XXXX but I have done more than I 'm required to do and still they call and send letters improperly trying to collect the debt. This morning, when they called and I told him I do not owe the debt and that I am a current XXXX customer, they nastily insisted I prove it when all they have to do is call XXXX to check! And said I never wrote to them to dispute it but I did and I possess the receipt to prove it. My next step will be suing in state court if this report does not bring about a correction.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have over XXXX in student loans. I applied for the federal loan forgiveness program as I work at a non for profit hospital. Fed Loan Servicing is who I have been working with. They informed me that I had to consolidate my loans in order to get approved for the program ; which they did. I paid my affordable payment religiously for over a year. I was notified that my payment was going from XXXX to XXXX all of a sudden because they said someone caught a mistake that was made in my consolidation that could not be reversed. They stated that the parent plus loans I received for my son were included in the consolidation and disqualified me from being able to have my discounted payment. Now someone who was paying on time every single month working towards the goal of loan forgiveness can now not pay a dime. Everyone loses. My husband passed in 2014 and I am a single income home now. A payment that large is nearly all of one of the only two checks I receive a month. All this over someone 's XXXX up that had nothing to do with me..

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX  XXXX/XXXX XXXX dated XX/XX/2017, XXXX XXXX/ZALES X/XX/2017 and XXXX XXXX dated XX/XX/2017, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2016 about Mortgage (FHA mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Have been trying to work with my lending company for several months to try resolve my outstanding 2nd mortgage loan. After several calls to the manager in the point of contact office for an accurate payoff amount and not getting any response back for several weeks, I then received a notice of a foreclosure for XXXX XXXX, 2016. I have since called the lending to ask for a postponement where I have a signed purchase and sales agreement in hand with a closing date of XXXX XXXX, 2016. My 2nd mortgage lender is telling me that it is too late and that the foreclosure can not be stopped at this time. All I 'm looking for is a XXXX60 day postponement and the XXXX and 2nd mortgage company will be paid out in full. I feel it is unfair and unreasonable for the 2nd mortgage company not to allow me this time.

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 06/18/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I want to negotiate the credit card debt, but all I get is robo calls, I wish this debt collector would mail me so something so I can start paying the debt down, like other collectors are done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a letter o  X/XX/2017    to the credit Bureaus asking them to have convergent provide proof that the  XXXX  bill account is indeed mine. On  X/XX/2017    I receive a letter from Convergent stating that they investigated and the account is mine and the attached  XXXX  bill is validation. According to the FCRA this account has to be verified and submitting a bill is not verifying that this debt is mine. Where is the signed contract, with my photo id?

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 07/15/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have never done business with AD ASTRA RECOVERY SERVICES. I do not have a signed contract nor any contract with AD ASTRA RECOVERY SERVICES. I am requesting debt validation for the alleged amount this company is reporting to my credit bureaus. This is not a request for alleged verification with a third party bill. If a signed original contract between AD ASTRA RECOVERY SERVICES and myself can not be produced you will need to remove your trade from all of my credit reports at once. You do not have permission to contact me by mail nor by telephone. Please keep all communications through the portal.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Mortgage (FHA mortgage) with Seterus, Inc. (HI).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, 2017, my Mortgage # XXXX serviced by Seterus Inc. was paid in full. There was an overpayment made by XXXX XXXX as well as residual in the established escrow account. I had requested that Seterus to return the funds back to me immediately. They refused. They then advised me that they do have up to 30 business days to get the funds back to me and there was no way that they would try to assist me further. This is their policy and that is it. Numerous calls to their company requesting to speak with the refund department personnel or department head was denied. This behavior and unacceptable because I was advised that the funds would be returned back to me within a week. 

Written confirmation correspondence to expedite the return of funds, twice, led to a form letter which dis not address the complaint. They have not been responsive to my additional inquiries or confirmation of final figures on the overpayment of my mortgage loan. 

Seterus has a long history of not dealing with their customers fairly and in a timely manner. There was been numerous lawsuits on their improper conduct and unprofessionalism.

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 07-12-2017 about Debt collection (I do not know) with Waypoint Resource Group, LLC (RI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: multiple phone call to my prepaid cell phone from way point resource group XXXX no messages hang up phone calls as many as 4 per day no contact by mail or on my home phone number

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: They have been asked repeatly for the last 18 months to produce a signed credit appl, a loan repayment or loan document that has my signature they can not because I never signed one removal of account and XXXX damages for failing to comply with FDCRA

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Medical debt) with Aargon Agency, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There are 2 medical bills reporting with Aargon Agency Inc and I never was in the hospital in XXXX or XXXX XXXX but why are these people doing this? I never received anything from any doctor 's office of hospital for that matter. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Today, XX/XX/XXXX, I received in the U.S. mail my " FREE '' annual credit report from " Equifax. '' While reviewing all 46 pages very carefully I noticed that under the " Collection Agency Information '' section on page 5 of 46 pages that a so-called " Collection Agency '' by the name of " XXXX ; XXXX XXXX XXXX ; XXXX, Florida ; XXXX ; XXXX '' unlawfully posted on " XX/XX/XXXX '' onto my " Equifax credit report '' that I owed " $ XXXX '' to " XXXX '' from " XX/XX/XXXX. '' This debt is NOT mine. I am a victim of Identity Theft. And this is the 3rd time now that this " XXXX '' company has unlawfully posted this onto my " Equifax '' credit file in the last 2 consecutive years. I called up " XXXX '' and politely informed them of the facts. That I have been a customer of XXXX XXXX XXXX for over 22 consecutive years and NOT ever with XXXX The " XXXX '' customer rep. just rudely hung up on me.

Company response to consumer: Closed with explanation