milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2015 about Debt collection (I do not know) with Collection Service Center, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received an automated call that was a looped recording from a blocked number. It did not identify the company calling, the reason for the call, or have any way to speak to a human being. It kept insisting the matter was important and that I call another number ( XXXX ). I tried the number several times before finally getting a human being, who still did not identify the company or the reason for the call. After attempts by this person to get personal information that I refused and back and forth arguments they finally identified themselves as C.S.C. ( Collection Service Center ) and that they were collecting a debt. They refused to inform me of the original creditor or the nature of the debt unless I provided personal information ( which I refused ). As I have no legitimate, outstanding debts at this time that are allowed to be collected upon this call strikes me as a phishing scam. Several aspects of this exchange are in violation of numerous sections of the Fair Debt Collection Act as well as the Telecommunications Consumer Protection Act. The only outstanding, unpaid debt I should still have has been disputed for more than 15 years now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have loans with NJClass, a lender based in NJ that financed the bulk of my undergraduate student loans. After completing graduate school this XXXX, I had to ask them to defer my monthly payments that were to start right after graduation until I found a job. The only option NJClass offers is interest only quarterly payments. I was not told how frequent these payments needed to be made, they told me they could not give me an estimate regarding the amount to be paid, anything. On XXXX XXXX, I received a letter asking for $ XXXX to be paid in under a week. I called them stating it was unreasonable to give me such short notice and they explained I had no options but to pay or default. My father was able to work out an extension with them after hours on the phone. Today I called NJClass to tell them I needed to change my address. I also told them I had a statement I received a month ago saying my monthly payments would start in XXXX and wanted to confirm that that was due XXXX XXXX. The representative confirmed but then added I had another interst only payment due XXXX XXXX. I informed her I have yet to receive a bill and asked why I had a bill for something due XXXX XXXX, but not for something due at the end of the current month. She could n't answer. Next I asked her how much this payment due at the XXXX would be. She said she was n't sure. I asked if I could talk to someone with more definite answers and she said there was no one. I said goodbye and called back to try to get someone else on the phone. The person from the beginning of the call was very defensive and rude and could n't seem to understand anything I was saying. I explained the situation about the interest payment and she said told me it was indeed due on the XXXX and she was n't sure why a bill had n't been sent. I asked her what the amount would be. She said it would be $ XXXX. I explained that it is XXXX XXXX, and if they are so firm about it being due on the XXXX, why was a statement never sent. She said a bill would be sent to me now and that the number was firm. There is no way I can pay this on such short notice. PLEASE look into NJClass. They offer no rehabilitation for defaulted borrowers, no repayment plans for those still trying to find work, and do not send adequate communication. I ca n't possibly continue to pay on time if I never even receive the statements or any notice. Their online system currently tells me XXXX different numbers that I may or may not have to pay. It does n't break down my payments and loans. It does n't show how interest is being calculated and does n't even say that a payment is due. PLEASE help. I am not alone in this. It is a dire shame that NJClass is allowed to get away with what they do when I know your agency has looked into other lenders in the past with far more forgivable practices towards its borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (DC).
Issue: Closing on a mortgage

Complaint: XX/XX/XXXX Negligent Mortgage Servicing Home Mortgage Account Number XXXX The above refinance loan from the XXXX XXXX XXXX closed in XX/XX/XXXX. In reviewing the closing documents in XX/XX/XXXX, I discovered that US Bank Home Mortgage, the loan service, had failed to record the transfer of the loan with the XXXX DC Recorder of Deeds, and had failed to send me the Deed of Trust and the Certificate of Title Insurance. I spoke with the Closing Agent, XXXX XXXX XXXX, concerning this matter, and he advised me to speak to US Bank Loan Officer XXXX XXXX. I informed XXXX XXXX that US Bank had failed to forward the Deed of Trust and other documents. He promised to forward the Deed of Trust but did not follow through. I subsequently reported this situation to US Bank Customer Service in XX/XX/XXXX. They responded to my complaint by sending me a copy of the Closing Document. Surely US Bank knows that a closing can not occur without the borrower having a copy of the Closing Document. I again wrote to US Bank on XX/XX/XXXX, indicating the above information. The response from the bank was a promise to look into the matter. A careful reading of the banks letter reveals its reticence concerning the Deed of Trust, the Certificate of Title Insurance, and the recording of the transfer of the loan with the DC  Recorder of Deeds. US Banks failure to complete these steps in the loan process violates my interests and contravenes the law. I should be grateful if you would kindly pursue this matter with US Bank.

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 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I received a loan back in XX/XX/2001 with XXXX/Navient. Over a course of years my loan was sold ( without my knowledge ) and the amount owed increased tremendously. This is affecting my credit and still appears on my credit report. My current loan, after being consolidated, is now with a new company. What is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have 12 student loans from XXXX XXXX account and one from navient that keep appearing and that i am no longer liable for on my credit report Open dates for XXXX XXXX XX/XX/XXXX ( 13 yrs, 11 mos ) XX/XX/XXXX ( 13 yrs, 2 mos ) XX/XX/XXXX ( 12 yrs, 1 mo ) XX/XX/XXXX ( 12 yrs, 5 mos ) XX/XX/XXXX ( 6 yrs, 8 mos ) XX/XX/XXXX ( 7 yrs, 4 mos ) XX/XX/XXXX ( 6 yrs, 8 mos ) XX/XX/XXXX ( 7 yrs, 4 mos ) XX/XX/XXXX ( 6 yrs, 8 mos ) XX/XX/XXXX ( 6 yrs ) XX/XX/XXXX ( 6 yrs ) XX/XX/XXXX ( 5 yrs, 4 mos ) Open dates for navient XX/XX/XXXX ( 11 yrs, 2 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX Bank is trying to collect a debt from me that is ot mine. There was a credit card opened in a name, that is not mine, but the person used my information to obtain the credit card and now they are trying to hold me liable. i have been harassed and told that the debt is mine and now t he company changed the name on the account to my name as if it was the name being used the whole time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: As of XXXX XXXX Seterus, Inc. purchased my mortgage from XXXX. I have never missed a payment or even been late making a payment. XXXX, XXXX I received a statement from Seterus stating that a payment was not due in XXXX, XXXX. I called them and ask if they were sure this was correct. They assured me I would not get into trouble I could skip the month of XXXX. Great news I could buy XXXX for my entire family and pay my taxes. Last SaturdayXXXX XXXX, XXXX I receive a letter stating I am in default and owe {$610.00}. I called the company XXXX. This girl and I went round and round. She said I had n't made a payment for XXXX. Isaid I am looking at the statement-it cleared XXXX XXXX and that I had mailed a payment for XXXX on XXXX XXXX. They had not received it at that time. The girl said wait just a minute which turned into 30 minutes. She came back on the line and said that Seterus had applied someone else 's payment to my account in XXXX and so told me I did not have to pay, but they found the mistake and now I must pay it and she was going to let me speak to her supervisor because it was n't my fault. So XXXX XXXX, supervisor, got on the line. I was so angry. I understand mistakes happen, but I am XXXX years old, retired on Social Security and XXXX small pensions and have no extra money. I told XXXX XXXX this and he agreed that I could pay {$50.00} extra a month until it is caught up ( more when I do n't have to pay gas bill ). He said if anyone gave me trouble to talk to him. So yesterday I receive two statements from Seterus one due XXXX XXXX for {$1200.00} and one due XXXX XXXX for {$1800.00}, so they are tacking on penalties and interest. Can they do this to me? They have 3 locations Physical address in XXXX, OR, payment address in XXXX XXXX, and correspondence in XXXX, CT. Thank you for any assistance you can give. My name is XXXX XXXX and the loan number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-04-2015 about Debt collection (Medical) with Continental Credit Control (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is the letter XXXX wrote that says I do not own the bill because is was not turned into the insurance company in time by the doctors staff / XXXX XXXX / XXXX / XXXXXXXXXXXX. 
On XX/XX/XXXX XXXX pended the claim for XXXX XXXX for x-rays performed at XXXX XXXX XXXX for additional information. The additional information we were requesting was in reference to pre- existing condition. This information was sent to the customer since XXXX XXXX XXXX was not the ordering provider and would not be able to provide this information. Since we are showing that this information was never received from the customer, the provider then has the right to bill the customer. On the other hand if we reached out to the provider for this information and got no response as a contracted provider they would not be able to bill the customer. 
At this point the only way we can resolve this issue is if you are able to provide us with the pre- existing information we were requesting and show proof of when you originally submitted this to XXXX . This would have had to have been received by XX/XX/XXXX to be considered timely response. 
Any questions please contact XXXX customer service at XXXX confirmation # XXXX. 
Thank you and have a great day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX PA XXXX : XXXXXXXXXXXX, unpublished property of XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (I do not know) with AFNI INC. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article XXXX of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA, they are required to .... '' promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 10/24/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I called my mortgage company, Freedom Mortgage, to find out what the pay off was on my home because we are selling it and purchasing a new home. They told me that is would cost me {$30.00} and it would be 72 hours before I would receive that information. They stated the fee would be added on to the final balance of the pay off on the loan. I feel that this fee is unacceptable and they are keeping my information hostage for a fee. There is not an early pay off penalty. This is my information and I do not feel they should be able to withhold it for a fee of any kind.

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 05/31/2017 about Student loan (Federal student loan servicing) with Delta Management Associates, Inc. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: On  XXXX   XXXX  , 2017     XXXX   XXXX   (  phone number  XXXX   XXXX  and  XXXX  ) at  XXXX  called a family member at work regarding my student loans.

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 04-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Credit decision / Underwriting

Complaint: Included my mortgage in bankruptcy chapter XXXX in XXXX of XX/XX/2008. Sent paperwork to Ocwen showing this was included. This was a joint account with my former husband. They are reporting my account late every month and XXXX days late. This should not be reported at all. It is due to come off my reports in XXXX but this has caused me hardship on my credit file. They have n't to my paperwork or acknowledge it since I sent it in to them. Please help me. This is against the stay of the bankruptcy courts.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NY).
Issue: Unauthorized transactions or other transaction problem

Complaint: On XXXX/XXXX/17 I dispute I filed with Paypal was elevated to a claim ( XXXX ). Paypal has since closed the dispute and refused to refund money according to their policy.
On XXXX/XXXX/17 I purchased an item on XXXX via Paypal. The seller provided 2 tracking numbers over the next few weeks in response to queries about why it had n't arrived.
The seller provided 2 tracking numbers to me : 1 ) on XXXX/XXXX/17 - DHL : XXXX ( XXXX XXXX XXXX ) 2 ) on XXXX/XXXX/17 - USPS : XXXX ( XXXX XXXX XXXX ) Later, USPS sent a letter to confirm whether I had received the item. I had not and replied to their letter on XXXX/XXXX/17.
Paypal closed the claim, asserting the tracking number provided by the seller confirmed the item had arrived. I called Paypal and had the claim re-opened. Subsequently they re-closed the claim, once again asserting the tracking number confirms delivery ( it does n't ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/28/2016 about Debt collection (Medical) with Merchants and Professional Bureau, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested verification and validation from this company and they refuse to provide. I allegedly have XXXX accounts with them XXXX for XXXX the other for XXXX. They removed this from my other XXXX bureaus but still continue to report this debt on my equifax credit report and this needs to be removed. The last XXXX of my social are XXXX and my date of birth is XXXX/XXXX/1988. Shows the original creditor is XXXX XXXX. I DO NOT owe this debt and this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Deposits and withdrawals

Complaint: I have been part of a scam and have contracted my bank ( XXXX ) and am not being taken seriously to stop the scam. I need your help. 







I have received several credits to my checking account x XXXX claims that I did not initiate through Macy 's XXXX XXXX. So far, not bad since it 's a credit - the next step these scammers do is start wiping out your funds. 




The credit card is not mine, however the checking account is. As of yesterday XXXX of the XXXX credits were reversed. Again I did not initiate this either. I spent over 3 hours on the phone with XXXX last week and 1 hour speaking to a supervisor- XXXX from Tennessee ( they give you their location when you call XXXX last night. She said they did not initiate it but the merchant did. Last week I canceled my debit card and have received a new XXXX. I received XXXX letter from XXXX yesterday that said I could have a copy of the transaction and when I spoke to XXXX, she said no, because they do n't have it. 










I said let me get this straight. I did not and the bank did not do anything except follow the orders/transactions from Macy's- which I told you I did not do! Yet Macy 's is able to have access to debit or credit with my funds? 




It was explained that the merchants sometimes clean up their accounts and return funds for bookkeeping purposes. If they did that- they why turn around the next week and recoup x XXXX of the transactions? 




When you XXXX " MACY*S.COM # XXXX there are pages of information, yet XXXX does nothing to block Macy 's from my account. I have a Macy 's card. They certainly know how to bill me or credit me. I also believe that any funds they may have would have been escheated to the state. 




XXXX : XXXX https : XXXX http : XXXX MACY*S XXXX XXXX XXXX XXXX MACY*S XXXX # XXXX XXXX OH I provided Macy 's On Line with the new American Express XXXX card to pay for XXXX pieces of luggage. The total cost was {$480.00}. 




View on XXXXMacy XXXXmacyscomXXXX

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 02/18/2016 about Consumer Loan (Installment loan) with Specialized Loan Servicing LLC (VA).
Issue: Managing the loan or lease

Complaint: my equity loan from XXXX was automatically transferred to the XXXX XXXX XXXX now called Specialized Loan Servicing LLC in XXXX, CO when I declared Chapter XXXX in XXXX. The agreed upon payments were {$95.00} each month and I never missed a payment. In XXXX the agreed upon payments were $ XXXX/month and I was able to make two payments each month of {$100.00} and have never missed a payment. In XXXX XXXX I received a notice of being in behind on payments by several hundred dollars. My monthly payment inexplicably increased to {$470.00}. I called several times and no-one could explain anything except I was behind in my payments. Fees were attached and now they claim I owe XXXX. A notice to foreclose was mailed to me and notes from field inspectors have been left on my door knob. I have continued to pay {$200.00} mo

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 09-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Due to unforeseen circumstances, I have fallen behind on my mortgagepayments. I have been trying to get a loan modification with my lender ( Select Portfolio Services ). Unfortunately, It 's almost impossible to do so. 
I have submitted all required documents to them for a review. However, every time I call for a status, someone will tell me they 're missing several dodocuments and can not review my file, so I email and fax them again and aagain. They continue to call me and threatened me that my investor hasbegun the foreclosure process abd I will lose my house of 15 yrs if I don'tcooperate with them and submit the documents. I have submitted the samedocuments over XXXX times just in last month. 
I respectfully ask your agencies help with my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MO).
Issue: Managing the loan or lease

Complaint: I have a car loan with Well Fargo Auto. They call me and my wife sometimes up to two times a day for each of us looking for our payment. We are not behind and pay out bill with extra every month. You talk to one of their reps and the next day they call you again after you talked to them or someone with the same names. I do n't feel that they should be able to harass you like this on a daily basis, when in fact we make our payment each month.

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