milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Debt collection (I do not know) with Atlantic Recovery Solutions LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was contacted by XXXX XXXX at Atlantic Recovery Solutions. He said he was trying to reach someone regarding a debt they were trying to collect on. He gave me the person 's name and how much she owed. I asked how he got my number and he said she had used my name and number on a job application as a reference. 
I truly hope this is illegal behavior. This is public shaming and possible slander. To give out such information to others in this person 's field threatens her livelihood and career. And damages her reputation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Payday loan () with PNC Bank N.A. (OH).
Issue: Charged fees or interest I didn't expect

Complaint: PNC assessed a {$40.00} late fee despite being technically paid early. I was paid a day earlier than normal XX/XX/XXXX, and scheduled a payment on that same day, XX/XX/XXXX. This payment ended up being credited on the previous ( XX/XX/XXXX Statement ) instead of the XX/XX/XXXX Statement, even though PNC lists XX/XX/XXXX as the Statement Date ( which is Deceptive, I would assume that XX/XX/XXXX would be the first day, not the last day. ) As a result of this double payment accident I was assessed a late fee. I contacted PNC, and spoke with someone that did n't seem to be able to understand the problem, despite repeated attempts to explain that the problem was that I ended up paying a day early, and that what I wanted was for the payment to be moved up a day to fall in the correct billing cycle and the late fee to be waived. 

I feel that PNC, and by extension all Credit Card Issuers and Revolving Line of Credit Issuers are defrauding the public.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Student loan (Non-federal student loan) with Genesis Lending (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: While attending XXXX University online, I was told that I needed to obtain a GENESIS LOAN in the amount of {$7500.00} but with the interest rate by the time I pay it off, it will be over {$10000.00}. I was then told a month later that I did n't need the loan, the financial aid department just did n't pull my financial aid in time and they could n't pull them in past time. So now I am stuck with a private loan that I never needed just to attend XXXX University when it was owned by XXXX Colleges in XXXX 2013. I was looking online and noticed that XXXX had to forgive {$480.00} XXXX in Genesis Loans however I was never informed of this -- so where is my forgiveness? How do I get forgiveness for a loan I never needed and can barely pay for?

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 04/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Billing disputes

Complaint: Capital One credit card is in XXXX XXXX XXXX XXXX name. He passed away on XX/XX/2015 and died intestate and insolvent. I have disputed this claim and wish to have this removed from my report. XXXX XXXX, had total control over this account. It was not a joint account. When paying the account each month in full, if I disputed a charge they had to receive permission from XXXX XXXX to talk to me. They should try talking to him now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I am an attorney in Maryland representing XXXX XXXX XXXX and XXXX XXXX relative to their primary residence located at XXXX XXXX. in XXXX XXXX, XXXX. On their behalf, my firm has been endeavoring to obtain a loan modification from their lender, Carrington Mortage, for the XXXX since XX/XX/XXXX. Unfortunately for the XXXX they have been thwarted or denied for said loan mod. not for anything on the merits relative to their financial wherewithal, but rather due to " incomplete packages '' which is frankly plain not truthful. What is occurring is that they keep asking for " new '' paystubs for XXXX XXXX after they take so long to review the overall package that the paystubs ( which do n't actually change ) go stale. It is, simply put, Carrington 's inefficiency that causes the paystubs to go stale, and they in turn determine that the package is then incomplete. The lender 's lawyers, XXXX XXXX XXXX, XXXX XXXX, are not willing to do anything about this clear strategy of denying my clients without actually reviewing their package. All this from a lender who took TARP money knowingly and willingly. THERE IS NOW A SALE SET FOR XX/XX/XXXX which they are not willing to cancel. Hence, this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Several of our mortgages have been purchased by SLS, XXXX XXXX, CO. We are paying down our loans by paying extra towards principal. The company is not applying extra payment towards principal even though I have specifically requested this. ( The company says the payment center tends to " overlook '' these requests. ) They are instead applying the extra money to future interest and principal. They have told me I must send any extra payment to principal to a different address ( make a separate payment ) and that this separate payment will not be noted on my monthly statement. The only solution to this dilemma they offered was to allow them access to our bank accounts and take out the money themselves. We refuse to give that control to this company!

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 07-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am a resident of the state of Texas and sent National Credit Systems a Texas Debt Validation request in accordance with Texas Finance Code 392.202. This request was received and signed for on XXXX/XXXX/2015. I have not received validation of this debt. It has now been well past the 30 day period in which the agency must respond. I recently checked my credit reports and this debt still remains. I have attached a copy of the Texas Debt Validation Letter, Certified Mail Receipt, and Return Receipt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was told at the front desk of XXXX XX/XX/XXXX that there was no debt owed by me when I asked about the remaining balance. 
After three years I see that is is still being reported as late as XX/XX/XXXX. 

I did not know this was happening. 

No attempts to collect this have been made to my address with any communication, not letter or email. 

This has affected my credit rating for awhile and I am not certain that removing it by paying it will actually happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: I have a Credit Card with Citibank. I made a purchase on the credit card for {$130.00} on XX/XX/2016 for a a commemorative XXXX. The XXXX received was not the XXXX advertised for sale. I made a disputed transaction with Citibank on this transaction because it was not the correct product purchased. 
I received a letter from Citibank dated Friday XXXX/XXXX/2016 asking for details of the disputed transaction within 10 days of receipt of the letter. I received this letter on Thursday XXXX/XXXX/2016. I completed the requirements of this request, signed and dated the return response on XX/XX/2016. 

I later received a letter from Citibank dated Tuesday XX/XX/2016 saying that the dispute was denied because they did not receive the complete response. This letter date was 4 days XXXX XXXX business days XXXX after the first letter and before I even received the original letter. 

So here 's the time line Fri XX/XX/2016 Citi date letter XXXX XXXX ) and request return within 10 days of receipt Tues XX/XX/2016 Citi deny the disputed transaction via letter XXXX XXXX ) Thur XX/XX/2016 I receive letter XXXX XXXX ) and provide requested details Mon XX/XX/2016 Mail this response back to Citi My complaint is obvious. Citi fraudulently made no attempt to investigate my claim of a defective product from a merchant. Their denial letter was dated 4 days ( XXXX business days ) after the the original request for information. This dishonest action obviously gives me no possible chance to satisfy their " investigation ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MI).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX , 60 days  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For the second consecutive month, Sallie Mae has incorrectly and falsely reported my payment status to the credit bureaus that they report to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Other debt) with The CMI Group, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a a unverified account from CMI # XXXX****. I had previously disputed this account. I have never done business with CMI # XXXX****. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI # XXXX**** Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI # XXXX**** Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 07-12-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: I got a  XXXX  vehicle from Santander Consumer back in  XXXX  the company I was working for went out business I spoke with several representative verbally they informed Me since I was laid off & volunteer returning the vehicle it 's okay this would n't effect Me that 's Not true I pulled My credit & it 's on there I have contact them & representative said it should n't be on there it 's mistake I was transferred to several different people 's & was given different details & the run around saying just make payment arrangements I said I refused to make any payments after I was verbally told Everything would be okay once y'all got the vehicle & then they did a charge off Santander  is  n't a good company after verbal agreement with Me I 'm not paying for a vehicle they have & knew My situation I was n't treated  far  & I 'm disputing this to be removed from My credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX my husbands ATM card was stolen. We immediately went to our bank and the bank manager looked up our account, we found that someone had put charges on that card in the sum of {$520.00}, we only had {$650.00} in the bank ( our social security check ). We therefore had no money to live on ... .no gas money, grocery money or medial expense money, I am XXXX and this was an extreme stress for us. We went into the bank everyday asking when we will be reimbursed for this money and promised a different day each time. We talked with the fraud department several times at no avail. We need our money and the other concern is that our other s.s. check is coming this Wednesday and we are afraid that the bank will deduct that money from our new check. Even though the amount was XXXX, with all the Over Draft fees we now have a negative of over 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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I sent into XXXX XXXX loan service information of my doing Public Service as asking for public service forgiveness. I worked at the XXXX 25 years. They offered me XXXX=permanent but have not considered the Public Service that I did. I have federal loans and I have XXXX Private Loan with Navient. They messed up my credit by placing default on credit. I am XXXX and have worked for the XXXX 25 years. I talked with a lawyer for advise who was going through the same thing who told me to put in a complaint. My loan amount have gone up with sky rockingting interest rates hooked onto them. I have asked for Public Service Forgiveness and was denied. I do not want XXXX because this amount in interest will be turned over to the IRS and I would have to pay this. I want forgiveness for my time helping students in the school system. Just days ago I signed for the IBR because I really do not have any money to pay back. I am a XXXX who only wanted to better myself in school and I worked to take care of children with XXXX in the XXXX. I want forgiveness, also. I want this extra interest taken off and forgiveness given to me. I want the default taken off my credit because by me being a XXXX I might need some financial assistance if my health gets worst again. I need help. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Ive attached the original letter that will explain how this started. To explain where we are now ... Ocwen refuses to release the remaining insurance proceeds so we can finish our flooded home and I have a letter from Ocwen stating once we were at 90 % repaired they would release and they will not do so. They received our initial insurance check on XXXX XXXX and after many many many fighting phone calls, and complaint with XXXX and La Attorney Generals office, they release the 1st pymt on XXXX XXXX. We had an inspection in mid XXXX and that came back at 90 %. and yet again not releasing all of the money, only a portion. Also, when this event occurred Ocwen waived our XXXX XXXX and XXXX payments and offered to spread them over 9 months with our 1st payment beginning with our XXXX payment. Our payment amount is XXXX and XXXX goes toward the payments of XXXX XXXX and XXXX ... .they have been reporting us late to the credit bureaus ever since. When I got our local authorities involved they corrected the late payments for XXXX XXXX XXXX and XXXX but are continuing to report us late for XXXX XXXX and now XXXX, sending my credit score down over XXXX points. I would like to receive the remaining {$31000.00} dollars in insurance proceeds released immediately and for them to correct all aspects of my credit file so that my score returns to what it was prior to them reporting incorrectly. Any help is much appreciated. I have attached several docs as reference that supports all that I have spoke about. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I settled the debt under the pretenses it would be rightfully removed from my credit report. I paid the settlement amount within a MONTH of it hitting my  report, as agreed upon it was to be removed. Yet at this present time it is still reporting to all   XXXX   bureaus (  XXXX ,  XXXX  &  XXXX . This is in complete breach of what was agreed upon nearly 4 years ago. The conditions were as followed : I am willing to pay the SETTLED amount in FULL : Your company will delete all references to this account from my credit profile at the   XXXX   credit bureaus (  XXXX ,  XXXX , and   XXXX    ) : You will not list this debt as a " settled account : Your company will accept this payment to satisfy the debt in full. NONE OF THESE CONDITIONS WERE MET, accept you withdrawing my funds. I will continue to take action until retribution is made.  I fulfilled my requirements per our agreement and you continue to cause substantial delays in my progression. The report needs to be deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have written to the CRA and disputed the following negative items : XXXX, XXXX, XXXX & University XXXX XXXX. I have also written to each creditor twice and I have not gotten a response. I asked the CRA recently to please provide me with the info the creditor is submitting to them that is allowing them to continue to state that the debts are validated. Each is not responding except for XXXX who is using the XXXX as a collection agency who I informed via the phone to not contact and I responded to them in writing asking for debt validation they have not gotten back to me and The collection agency keeps calling 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 08/30/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Wells Fargo. Wells Fargo had offered a program to oo offer a lower interest rate if I see a lower interest ; I called Wells Fargo, I was told I qualified for lower Interest rate. When I called, to find out why I was n't was n't contacted for the lower interest ... Well Fargo denied any record of me making a phone call for the special program to lower my interest rate I notice that each time I called Wells Fargo the representative knew my mortgage loan. Their computer identified me by my phone number and the Wells Fargo representative new my name and loan number. I believe Wells that Wells Fargo knowingly discriminated against 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 03-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: They have an XXXX account on my credit report that is more than 10 years old. the account was opened in 2006. i have sent a request to delete more than 4 times and also sent a copy of the payoff letter. they continue to claim it as a charge off but it should have been deleted 2 years ago.

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 06/13/2015 about Debt collection (I do not know) with Penn Credit Corporation (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We get a recurring robocall ( no human ) saying that we owe a debt of {$39.00}, demanding immediate payment or we will suffer " consequences ''. 

By answering XXXX of the calls, I found out that the perpetrator 's website is www.penncredit.com. 

When I talked with him, he told me the address of the debtor, which is miles from where I live. The debt is not ours. But the robocalls continue to come. 

Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Consumer Loan (Installment loan) with Set Financial Corporation (KY).
Issue: Managing the loan or lease

Complaint: The company has failed to properly update my credit report to state that this account is included in a bankruptcy filed in 2012. They continue to report inaccurate information,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation