milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2015 about Debt collection (Payday loan) with Real Time Resolutions, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: This debt is from 2011, a loan from a check cashing company. I became permanently XXXX in 2011 and was laid off not too long after that, When I went into the XXXX, was informed they would not accept cash but illegally debited my bank account and had not given them access for EFT, I was turned over to this same agency and filed a complaint with the FTC and the case against the agency was won and the amount was supposed to been forgiven. Friday I received a phone call on my home phone asking for me, as soon as I answere yes I was told it is a attempt to collect a debt at no time did they identify themselves, when I argued with the girl on line I was transferred to a muscle guy who demanded I pay " or Else '' threatened me with legal action, when I informed him I was XXXX he said that they could seize my bank account, social security XXXX, and all my assets by that time it had escalated into a shouting match, I have received XXXX calls this morning in a row between my cellphone and home phone which was not anywhere on the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Payday loan debt) with Cottonwood Financial Ltd. (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A payday loan company got a judgement on me in XXXX in the amount of {$1300.00} which includes court fees and costs. I started paying them back on XXXX/XXXX/XXXX {$50.00} per month through a debt management company. When they were contacted in XXXX XXXX by the debt management company to set up a payment plan they automatically served me with court papers. I got the court date cancelled by filling out a financial statement and proof of needs based assistance. The debt collection company agreed to a temporary payment plan of {$50.00} per month for 5 months. I upped my payments to XXXX per month in XXXX XXXX like they asked. In XXXX XXXX i received another summons to appear in court. The debt management company called the collection company with me on a 3 way call they stated we were going to court again because I had not completely completed another financial disclosure form that they sent to the debt management company. The debt management company had no records of their request. The debt collector said if i complete the form completely that we wont have to go to court but i will still have to pay them court fees. I have been called at least once per week by the debt management company requesting my bank account information and employer information for the debt collector since XXXX XXXX. I have paid XXXX dollars on this debt over the past year and have XXXX left to pay. The debt management company tells me the collector is charging me interest at 12 %. This is a 6 year old debt. The reason for the court date on the papers i was served is for unpaid debt in the amount of XXXX. I only have XXXX left to pay plus they are now charging me interest. Is this legal? They have not agreed to a payment plan for whatever reason but are cashing my payments. I should not be responsible for added court fees again i am already paying them in the judgement of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Bank account or service ((CD) Certificate of deposit) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Account opening, closing, or management

Complaint: Read the fine print. CD came due and I missed the due date. Starting calling service number but put on hold for extended period of time. Finally went to bank in person after being unable to contact bank by phone. CD automatically renews for 18 months if you do not contact them which is fine but the interest rate is .25 percent and a penalty withdrawal of XXXX plus XXXX % of the amount. Which in my case would be approx. {$4500.00}. I would think to be fair the interest rate should be at least equal to previous rate and not such a low rate dertermined by the bank. I ask for either waving withdrawal penalty or matching the origional rate. Bank manager said they would check and call me. Never got a call. Contacted band and was told it had been longer than 30 days and their legal department determined that is was locked in at the low rate. Ca n't believe CFPB would ever let a bank write a contract like this. So one sided, puts the consumer at a complete disatvantage. The CD is with BBVA Compass bank in XXXX Az.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Approximately, XXXX weeks before XXXX XXXX, XXXX when the transaction for the amount of {$530.00} from XXXX XXXX XXXX XXXX DFS ) on behalf of the account ending in # XXXX was charged to my Bank of America checking account, I remember receiving a call from the XXXX representative while I was driving back home from the University XXXX Texas, XXXX. During that conversation, I recall the representative asking me to set up a payment plan for my credit card account then existing with them XXXX DFS ), which had been already delinquent for the past few months. I remember saying to him that I did not have the funds required to make the payment and asking him instead to call back in the next XXXX weeks or so to discuss the payment. He/She would not budge and kept pressuring me to reply in the affirmative. Suddenly, the call got hung up. The next thing I know was that they ( DFS ) had already charged my checking account for the specified amount without my explicit authorization. I also remember contacting both BoA and DFS regarding this transaction to no avail, and the BoA representative instead referring me to the XXXX for reversal. There was nothing else I could do and found myself absolutely helpless. All the while, the non-sufficient fees and the overdraft fees charged to my checking account kept piling up, and by the end of the year XXXX, had already accumulated to {$1200.00} and {$1100.00} respectively, amounting to the total amount of fees charged for the year being {$2300.00}, as per the BoA statements enclosed herewith. 
Please be also aware that the BoA ended up closing my account in XXXX of XXXX with a negative balance of $ XXXX as of XXXX 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 12/16/2016 about Debt collection (I do not know) with I.C. System, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call from I.C Systems. They asked me to verify who I was and I would n't do it. They asked to verify my address and I would n't do it but then I asked them why were they calling, but yet they would n't say why until I told them who I was and verified my address. After I would n't do that, the guy got really nasty with me and I hung up the phone and then blocked their number on my cell. However, they still call my cell house phone that I do not answer. Every time some one calls from I.C Systems, they refuse to tell me why they are calling until I verify who I am, but I refuse to verify anything because they wo n't tell me who they are.

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 04-11-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Despite providing proof of insurance in writing that a sufficient amount ( exceeding the outstanding loan balance by {$100000.00} ) of insurance was in place on at least two occasions I continued to receive threatening letters from PNC Mortgage that unneeded insurance was going to be procured on my behalf and I would be financially responsible for its cost. After receiving an insurance policy in the mail procured by PNC Mortgage and a letter describing an increase in my monthly mortgage payment I called to try to resolve the problem. I talked to XXXX XXXX on XXXX XXXX, 2016 at approximately XXXX and was told that in fact they did have my proof on insurance on file but thought my townhome required an HOA policy in addition to the policy I had in place. I explained the HOA bylaws had changed and there was no longer going to be an HOA policy. I further explained that my policy replaced the HOA policy and covered everything that needed to be insured. XXXX responded that someone would be giving me a phone call to discuss further. She would not correct the problem. No one from PNC Mortgage has made any attempt to contact me. I have now received a new payment booklet with an increase in my monthly mortgage payment of {$210.00}. I know that these third party insurance policies are very profitable for a company like PNC Mortgage but I currently have and have always had the required insurance in place and have provided written proof on multiple occasions.

Company response to consumer: Closed
Consumer complaint received 10-12-2015 about Consumer Loan (Vehicle loan) with GFS II, LLC (MI).
Issue: Managing the loan or lease

Complaint: I had previously faced some hard times financially, and was in dire need of a vehicle. I was forced to finance through Gateway Financial Solutions, as they were the only lender willing to work with me. Because this lender deals with high risk borrowers, my interest rate was less than appealing by a long shot, but I felt that this was the only option available to me. I have since made a large progress on my credit and financial status, and feel that I should be allowed to clear up the matter with this lender. I have asked to be provided a " buy out '' option, and have not been offered anything. I have always made my payments on time, and they are slowly bringing the principal balance down. But the bulk of the bi-weekly payments ( due to the high risk that I previously was XXXX primarily get applied to interest. I am requesting assistance with this matter because I feel that the lender is not providing ethical service to me, by not allowing me to avoid the large amount of interest that will accrue due to the remaining time of the loan. This is striking as a predatory lending scenario simply because they targeted a vulnerable customer, and are profiting on my misfortune. This type of business practice should not be allowed. The vehicle itself when I originally acquired it, was not in the best condition, and has since required several XXXX dollars worth of maintenance that I have had to borrow in order to cover. Again, this is a predatory lending practice. I was provided a sub par product, at an even more sub par price and repayment option. I was not educated on the product or option that was offered to me, only expected to accept it and move on.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: SW Credit Systems  is violating both the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act.  SW Credit Systems  is using deceptive practices to collect money from me and they need to be investigated.   I obtained copies of my credit reports and noticed a listing from  SW Credit Systems . I did not authorize  SW Credit Systems  to obtain my credit file . SW Credit Systems  never sent me a letter stating that they obtained my credit file and that they were going to place this account on it. I then sent  SW  Credit Systems a validation letter to prove that they own this debt they claim I owe.  SW Credit Systems t hen sent me old statements from  XXXX .  SW Credit  Systems did not send me a purchase agreement, bill of sale or any type of proof that  SW Credit Systems  is legally entitled to collect anything from me. To this day , SW Credit Systems  is still reporting this account on my credit file and trying to collect money from me . SW Credit Systems  deceptive tactics are malicious and intentional.   The account I am referencing is  : SW Credit Systems  Acct #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (I do not know) with Element Global Services (KY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have been receiving several harassing phone calls from a company called Element Global Services based out of New York State. Each phone caller leaves a voicemail threatening to have me arrested over a debt in which they will give me no information on. They have my social security number. When I ask for information or documents to support their claims against me, they do not provide any. They harass my place of employment and go as far to call relatives cellphone and landlines looking for me. I have documented phone calls with their threats verbatim.

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 09-11-2017 about Mortgage (FHA mortgage) with MIDFIRST BANK (IN).
Issue: Trouble during payment process

Complaint: As of XXXX/XXXX/XXXX, Midland Mortgage ( a divison of Midfirst bank ) is alleging that I am behind 4 months in payments, and owe {$9300.00}. This is not accurate. Midland is holding a partial payment of {$330.00} and has n't applied the funds. Also, there was a payment of {$400.00} mailed last week ( XXXX/XXXX/XXXX ). My monthly payment is {$370.00} so once this payment is received, I will only be behind for two months. In XXXX of XXXX, we came home and found some unknown contractors in the house moving furniture around and they said they were hired by the mortgage company because it was in foreclosure. Upon this encounter, I immediately called Midland and the gentleman that I spoke with informed me that the property was NOT in foreclosure and that no one should 've been in the home. The police were called to the home and the officer made them leave, this is documented. With my monthly payment being {$370.00}, the most I owe is {$800.00} XXXX roughly rounded ). Midland is trying to force a foreclosure on my account and has no legal ground to do so.

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have over  XXXX  hard inquiries that I did n't authorize anyone to do on my credit, and they wo n't remove them from my credit report, different dates and companies and many are the same with different dates

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: Our client filed chapter 11 in XXXX and our plan was confirmed in XXXX paying the principal back at .00 % interest, no escrow, no insurance. When the loan was transferred to Nationstar, the cram-down had not been acknowledged by the previous lender which showed the client 's principal balance at a higher rate and an escrow account was in place. I have been trying for over 8 months to get Nationstar to acknowledge and provide us with the correct principal balance and it always comes back as a higher amount with an escrow account in place.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (I do not know) with Resurgent Capital Services L.P. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I just gained access to my credit report and noticed that XXXX XXXX has damaged my credit. I have never done any business with this company, Nor provided any of my personal information to this company. Their is 1 collection on my account that i never knew anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Medical) with AIH Receivables Management Inc. (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The collection agency AIH Receivables Inc in XXXX, KS did not provide me with the following information that was requested twice : A copy of the last billing statement sent to me by the original creditor. 

The amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 
XXXXOr Details about their company and who they are : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

I have asked for this information twice and they are only sending me an itemized statement from the original creditor and a sheet where I agreed to pay for all charges. 

However, I do not know who these people are and would appreciate it if they would just provide me the information I requested with twice. Once I can compare that with my records then I will feel more comfortable with paying the amount.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have student loans serviced by Navient, Account number XXXX. I have just started paying my loans because I have been underemployed and a single mom and not able to pay. During the time I was unable to pay, I requested a forbearance which was approved. However, my $ XXXX loan has XXXX of capitalized interest now. This seems excessive and now my principal balance is $ XXXX. I feel like I will never be able to be out of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I filed a complaint XXXX some time around late XXXX or early XXXX against Wells Fargo Home Mortgage. This is in regards to my home that is in foreclosure. I have in good faith attempted to contact Wells Fargo bank in order to save my home. Wells Fargo has been deceptive in regards to my previous complaint as well as the whole modification process. So during the time that they are supposed to be working on a solution for me and my family to save my home Wells Fargo had a foreclosure sale date of XXXX XXXX, XXXX. I was never informed and never received anything in writing. In late XXXX I followed up with the lender as I had not heard from them and I was extremely concerned because I want to save my home. I was horrified to learn Wells Fargo had a sale date. I requested any and all information pertaining to my property. Wells Fargo faxed a copy of the trustee sale in a foreign language. It 's my opinion that Wells Fargo has never had any intention on helping us save our home. They have have not offered any solutions that many banks offer homeowners to save their homes.

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 07/15/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I purchased a house in XXXX of 2014 and started getting phone calls from Portfolio Recovery for debt collection. I doubt seriously I would have been able to purchase any real estate had I the debt they are accusing me of on my credit report, which is completely absent, and my vehicles are paid off. As Portfolio Recovery calls on a regular basis at all hours, from assorted numbers all over the country, I have been forced to block all numbers that are not local. This harassment creates a problem when dealing with my own family emergencies. As I have nothing for them to be looking in to my credit report, my privacy is being breeched on a regular basis. Please make them stop.

Company response to consumer: Closed with non-monetary relief