milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: What is this complaint about? 
I am complaining about XXXX XXXX who is a collection agency who claims they are collecting on behalf of XXXX XXXX. 
I have sent a certified letter to them on XXXX17 and I have also made attempts calling them and disputing the amount over the phone however I have not received a response other than them sending me a copy of a loan agreement with some payments. 
I specifically in this certified letter asked them to provide me with credentials to prove to me they had the right and a legitimate contract to collect on a debt for XXXX XXXX showing the amount. I have not heard back from XXXX XXXX. 

I am asking that they stop reporting this negative information on my credit immediately and to send proper documentation that states they have a contract to collect on the behalf of XXXX XXXX. I would also like to see a contract to validate with XXXX XXXX the amount which they are stating I owe. 

Showing me a previous loan document does not validate the account nor does it mean I owe XXXX XXXX the money they are attempting to collect. 

They have not followed the FCRA laws in not responding to my request therefore I 'm asking for them to immediately remove the reporting which is reflecting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting getting a call from this company every day and they never leave a message, and I 'm unable to call them back and find out what they want or who they 're looking for. A message comes up that this number can not be reached. I want these calls stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been getting up to XXXX calls a day from RPM Collections. Sometimes there is background music, sometimes NOTHING.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (RI).
Issue: Credit card protection / Debt protection

Complaint: My credit card was stolen when my house was broken into then my card was used at several different places I did not report it until I seen the transactions 2 weeks later capital one is trying to not to refund me the fraudulent translations as they stated I do n't fit there criteria! Highly upset

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Deposits and withdrawals

Complaint: I was XXXX for half the month and there was a hole in my wallet come find out later and I know that y atm debit was in there too not even thinking but not memorizing it as it was a newer pin. I believe I lost it somewhere around the home possibly taking y dog for a walk. I used to carry a check book in my bank account and that most likely could of fell anywereas I do find it everywhere. I have not been able to drive a truck in a month because it is broken and I dont have the money to fix it. this banking manager said three days it would be on my account. I WANT MY MONEY I DESERVE FROM GETTING INJURED IN THE MILITARY

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-02-2017 about Debt collection (Medical debt) with The Collection Connection (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of I D Theft This is NOT a request for verification or proof of my mailing address, but I respectfully request that your offices demand that the collection connection remove the account from my credit I do n't have any legal obligation to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a account with Conns in XXXX texas. I understand when I am to pay my bill. My complaint is they call up to 10 times a day until I have paid my bill. I have called to notify them that I will be late ( some times it is due to when my pay day falls ) but they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (MN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I had to take out a loan for a college program I was doing, during the program many things were changing. The loan, already priced very high, was super expensive and hard for me to get but I was able to get it approved and continue the program. Then things started changing in the school like everything went to an online school format and that is not what we expected or what we were paying for. So after changing everything, almost all of the students grades started to lower including mine, which lead us to failure. Thats is what happened, they were not teaching well like they were in the beginning of the program and a lot of the students I spoke to failed many tests and the program. I unfortunately failed the program barely passing, I actually passed but they could not understand my situation of help me instead they decide to kick me out of the program and leave me with the debt. This happened at the XXXX college at the XXXX campus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am uploading my tax information regarding the loan. 

The interest rate stated is 6.8 %. I still owe about {$3200.00} total. Somehow, they were able to extract {$810.00} in interest payments over the last year. The only way they could do that is if they were still charging me interest on the full loan amount as if I never made any payments ( originally about {$8000.00} XXXX. I do not think they are subtracting what I've paid from the loan amount before applying interest.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold from XXXX XXXX to SLS ( specialized ) loan services around the new year. I have been paying mortgage, escrow, PMI + extra money to principal every month automatically from my bank account for the last year without issues with XXXX. After my loan was sold I was told my automatic payment would carry over and there was nothing I needed to do. However I have received multiple bills from SLS stating I have n't paid my mortgage, PMI or escrow. When I called them they said it was paid ( I paid them directly when I got the bill ) and they had been trying to call me to verify my information. However when I asked when they had called me they cited two dates they had tried to call. I checked my phone and there were no missed calls from them. It turns out they never had my phone number at all which they admitted but still insisted they tried to call me. Since then my home owners insurance carrier contacted me and told me they never received the escrow payment from either XXXX or SLS. I spend two days trying to track down where the problems was but in the mean time my home owners insurance was cancelled so I had to pay {$3000.00} out of pocked to be covered in the mean time. I finally got SLS to admit they had the escrow but that it had been deemed " non-escrow '' in the transfer and they would have to have the matter figured out by " another department ''. I was given no definite timeline " there 's no way to know sir '' then finally got the supervisor to agree on 1 week. Well it 's been 2 weeks and I 've heard nothing and I am out {$3000.00} dollars while SLS figures out what they messed up. I am outraged and want to make an official complaint as I have spent a ridiculous amount of time for something that has nothing to do with anything I did wrong.

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 02/13/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This XXXX XXXX Account does not belong to me. XXXX XXXX informed me that this account was charged off my XXXX XXXX XXXX XX/XX/2008. XXXX XXXX has not provided any documents in regards to this Account.Please ask Experian to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does not belong to 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 non-monetary relief
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with Worldwide Processing Group, LLC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: In the past week, I have received the same call four times. It is a robocall stating that it is for XXXX XXXX. The first time I simply hung up. The subsequent times, I dialed 0 to speak to someone. First time it was a woman, second and third times it was a man. None ever gave their name, all were rude. The final man, XX/XX/2018, was exceptionally rude after I told him that I had repeatedly asked them to drop my number as I am not, nor do I know, XXXX XXXX. The man began yelling and I yelled back to drop my number. At this time, my husband is hospitalized in critical condition, and I am afraid to not answer the phone if I am not at the hospital for fear the caller will be from a hospital, doctor or other care facility. Therefore, ignoring an unknown number is not possible for the time being.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX*********** I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 12-01-2015 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I keep being harassed by this company. They call my cell phone very late a night and they insult me and describe me as a " not a real man ''.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Bank account or service (Savings account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Deposits and withdrawals

Complaint: I have a savings account with Citizens Bank, where I only direct deposit funds and I use it to online transfer money to my family, who also have Citizens Bank accounts. I recently had to transfer {$25000.00} into my father 's account, and so I called Citizens Bank directly and asked them what would be the easiest way to complete this. I specifically asked about their transaction fee limits ( are their fees associated, is it a monthly limit, how much money do I need to keep in my account at all times ) and they told me that 1 ) there are no fees if you are transferring within the bank ; 2 ) there is a transaction limit of {$2000.00} but there are no monthly limits so I can transfer {$2000.00} as many times as I would like ; 3 ) I need to keep {$300.00} in my account at all times as a minimum. I was extremely pleased with the call - and just made XXXX transfers of {$2000.00}. The next day I was charged with XXXX Excessive Transaction Fees ( {$15.00} each ), and then XXXX Service Charge ( {$15.00} each ) - totaling XXXX fees of $ XXXX/each = {$90.00} in fees. I called back Citizens Bank and asked them why this happened, when I clearly called and asked for advice on the correct way to transfer these funds. They confirmed that their agent miscommunicated the rules of my account to me, and due to Reg D restrictions, there was a cap to how many transfers I could make in a month. I told him that if I had known this - I happily would have just found another way to transfer these funds. The agent apologized, but said the only thing he could do was give me {$30.00} of the {$90.00}. I was upset and asked to speak to his manager. The manager confirmed that EVEN THOUGH I called Citizens Bank and asked to be reeducated on the transfer limits and fees of my bank account, and EVEN THOUGH they miscommunicated those requirements to me, that I was the one who was at fault, because I am required to know the rules of my account at all times. He told me that I should have read all this in my account agreement when I started - which is fine, I can agree with that - but then I asked him if I was to call in and ask to be reiterated these requirements ( which I did ), should I not expect that they will communicate these regulations to me appropriately. He said that although they were there to help - they were NOT required or liable for miscommunication. 

I happen to work for XXXX XXXX - and I know that they are NOT allowed to withhold financial requirements of my account, especially when I call in and ask to be educated on these requirements. I am EXTREMELY upset, and believe they are being abusive and deceptive to their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NE).
Issue: Loan servicing, payments, escrow account

Complaint: Filed Chapter XXXX Bankruptcy back in 2011. Since then NationStar mortgage and XXXX XXXX have both reported the accounts closed. Both the first and second mortgage are kept open even with the bankruptcy. I have contacted all XXXX credit reporting agencies. One month it will be reported as closed, one month it will be reported as open, another month it does n't even show on my credit report. Seeing as all other credit accounts are closed and monthly payments are made on time, our score should continually gradually be going up, not down! I 'm tired of playing games with this. its unfortunate we had to file for Bankruptcy, but our credit is worse than ever with these companies!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed a debt that was sold to XXXX XXXX XXXX. I have requested validation of this debt by way of documents containing my signature, as this account does not belong to me. XXXX XXXX XXXX sent bills and advised that this account was sold to them by Sterling Jewelers, with whom I have never had an account. Sterling Jewelers has neglected to send proof of this account 's validity with verifiable documents that bear my signature as proof that I established this 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 04/27/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing on a mortgage

Complaint: Continuation for complaint :  XXXX  To recap : Bank of America, 7 days before closing, made mistakes that caused the underwriter to cancel our mortgage application. The underwriter claimed we did not show adequate funds to close, yet Bank of America had in their possession multiple documents showing that not to be the case. Bank of America later admitted that they have made some processing mistakes that caused the cancellation.     We were forced to rely on alternate, temporary financing, to close on the house on time as the seller was not interested in waiting the 21 business days that Bank of America claimed were needed to correct their mistake.     My first complaint yielded positive movement from Bank of America and they agreed to re-finance at the original rate, which after the  XXXX  election had climbed almost 1 %.     With that said, however, Bank of America would not work with us in regards to thei r Origination fe e, plus the other fees that were duplicate to the fees we had to pay in our original closing. So while Bank of America honored the original rate, and we 're thankful for that, they still left us on the hook for close to {$5000.00} in losses due to their original mistake.     As the consumer, I was left with no choice due to their original error. I could accept their offer at the original rate, but lose in the neighborhood of {$5000.00}, or I could book a re-finance at another lender with terms that would cost us  $ 75,000+ over th e life of the loan. We accepted Bank of America 's offer reluctantly.     The purpose of this complaint is to make record what happened. As the consumer, I have no recourse against Bank of America other than to clearly state that their mistake cost my family significant losses. In the end, they still got their loan.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NM).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I asked Chase Card to stop making inquiries to my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Payment amount went from {$22.00} to {$350.00} with no warning from XXXX, this was charged to my account through automatic debit and it is something I can not afford this month. XXXX has repeatedly not made themselves available to mitigate this issue. They do not answer their customer service hotline and I am unable to speak to a representative to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I noticed th is PROCOLLECT INC collect ion account on my credit and thought it was like a medical bill then discover someone used my info get an apartment. I had outlines your assistance advice and followed every step. However, this company has not responded to me. I track everything, and they disregard.     I never lived or had an apartment where the police are stating

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XX/XX/XXXX: A letter/dispute was sent to all 3 credit bureaus requesting removal of discharged bankruptcy for failure to validate and provide proof of individuals where information was given from because US Bankruptcy Courts advised in writing that they do not provide information to Credit Reporting Agencies.

XX/XX/XXXX A letter in writing was sent requesting deletion/removal of this account, to no avail. I received a follow-up stating verified, no change ; with no validation or verifiable proof.XX/XX/XXXX : A phone call was place by myself, the consumer and I spoke with a CSR and Supervisor, who both advised me that they were not able to remove/delete this negative remark from my credit report because of FCRA states up to 10 year law, but could not provide me with information of how they were able to validate this information as requested in previous mailings. I also explained to them that it was not listed on another one of my credit reports and I could furnish a copy and that meant nothing

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 07/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is continuing to show inaccurate payment status information for the mortgage account under the name XXXX. Though it has been provided with the facts, it has refused to apply them to this account. Instead, going to the offender and accepting the erroneous information that 's given to it as truth. The responsibility to make sure information is accurate is Transunion 's and it continues to fail at this responsibility. This could result in a judgment against it, in a court of law. And, the fact that XXXX may have continued to feed inaccurate information will not immune Transunion from neglecting the facts! Thus, I am disputing once again the erroneous " late payment '' information under the XXXX account, and am submitting additional proof that XXXX is deliberately providing false information to Transunion, so that it can take the appropriate action to correct these errors.

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