milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2017 about Debt collection (I do not know) with Aargon Agency, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I do not know what this debt is for. I have never heard of this company  XXXX   XXXX , nor have I ever received anything from this company regarding any kind of debt. It shows this debt was opened with this collection company on  XXXX   XXXX ,  2015. I do n 't have a clue who this original creditor, nor have I ever received any documentation from this debt collector.

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 10/20/2015 about Debt collection (Payday loan) with High Point Asset Inc (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Many years ago I had a payday loan online, it was paid many years ago ( four or five years ago ) and a company claiming to be collecting a debt has been calling my phone, and my family 's phone relentlessly. When I picked up, I informed the person calling that I had no unresolved or outstanding debts yet they continue to call me and my family. When I researched the number that was calling there were many webpages stating that this was a phishing scam, in which companies take your social security number from old aggregate/loan sites and claim you owe money that they can extort by making all of these awful phone calls. I have contacted the XXXX, the federal trade commission, the attorney general of my state and now the cfpb. I will continue filing complaints until the receive the proper cease and assist and follow up with legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (KS).
Issue: Trouble during payment process

Complaint: 1. When I agreed to the SAM mortgage change there were many months of payments being held in a suspense account. I was told by Ocwen 's agent that those payments would be credited to the account and to the mortgage balance. The mortgage balance at the time was approximately 140k. The new amount was over 150k because they were charging me for the money they had in suspense. It was never corrected. The real SAM mortgage balance should have been the app.140k minus the principal amounts in the suspense account, minus the mortgage forgiveness. 

2. I last had to turn to the CFPB for help with inaccuracies in my escrow account. At that time the agent from Ocwen informed me due to earlier corrections in my account that I was a payment ahead. We agreed that I wanted that it to remain that I was a payment ahead. Now, I see that I am not a payment ahead, have not missed a payment and want to know where that payment went.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Credit card) with LPSG (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This company called me and told me that i had a XXXX XXXX from XXXX bank that i never owned. They also told me that they would sue me and garnish my paycheck if i did not pay this debt back immediately. When i told them that i did not have a XXXX XXXX they told me that the debt was all the way back from 2012 and that i was no longer allowed to dispute the debt. they then had me set up a payment plan. I asked them to please send me a letter in they mail and a gentleman named XXXX XXXX kept saying that he personally sent it out but i have n't gotten it yet. They have only sent me emails with a non existent letter head with out an address. The email doesnt come from an email address that you can return mail from. I think that this is a scam and they scammed me out of a lot of money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have distute fro XXXX of 2017 that XXXX  refuses to process.

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 08/23/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Several years ago I fell behind in XXXX mortgages : XXXX resulted in foreclosure and the other ended in a " sort of refinance. '' Bank of America had so many hoops to jump through, documents to submit, and questions to answer that I finally had my " new '' mortgage modification payment at a now 8.25 % rate ( which was higher than the original ). I wrote back saying that increasing my rate would increase my payment, and as a consumer I was looking for payment relief in order to get back to financial health. I never heard from them as a result I am paying a mortgage payment {$200.00} higher than previously with a balloon payment in addition. I have made payments on time and am paying more than the payment amount. I just want a reasonable rate with a lower payment. I am XXXX and may not be as solvent in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (MI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Constantly calling my mobile phone number [ XX/XX/17 @ XXXX XXXX, and not communicating with me at all when asked the nature of their business. Complete silence from beginning to end, they hold my phone line hostage and eventually hang up. The phone number they call from is supposedly a non-working number, so you can not return the call from the number they call you. They know they do n't have my permission to call me via mobile and may have call my place of employment. I berated them for calling between XXXX XXXX and XXXX XXXX. 

You must use a different phone [ landline ] in order to " ferret them out '' .Their initial tactics was 'robo-calling, ' that did n't work out for them. They are very uncooperative and never customer friendly. They refuse to answer questions posed to them. I had to fight to get their address of record.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This debt collection company has been informed of my id theft issue properly by Receiving a copy of the fraud affidavit and continued to report it to the CRAs anyway. That affidavit is backed by seperate FTC reports and on several occasion have made it clear that it is a pay my bills situation when asked to explain myself and the docs I have them Z I have sent me several threatening letters promising legal action and made calls to my work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NV).
Issue: Account opening, closing, or management

Complaint: Wells Fargo on XX/XX/XXXX overnight arbitrarily changed all online account settings so that I could not see all my accounts on XXXX page. They eliminated the tabs for navigation and hide them behind a MORE + button. I am upset because I can not see my money in XXXX place as was the previous practice at Wells Fargo. If I can not see my money in XXXX place than I can not trust the bank to secure my money. 
It is my concern that the bank is separating me from my money by making it harder to find my money and harder for me to administer my accounts. Using a drop dead deadline the bank should be banned. The banks place of trust has been destroyed. I can not trust the bank to be a safe custodian of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Student loan (Federal student loan servicing) with Monterey Financial Services LLC (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: XXXX I signed a consent form with XXXX XXXX/ Monterey Financial Services , XXXX XXXX Loans, not informed of what all this was really truly about. {$57.00} began coming out of my account each month beginning XXXX. 
-After figuring out that this was fraudulent, I tried to cancel the contract with XXXX XXXX Loans and was informed it was n't possible unless it was 10 days after I signed it. 
-I have many of emails stating I wanted to hear the voice recordings of where I gave my routing and account number/bank information, I never received such. 
-I also knew it was fraudulent because someone emailed me asking for my password. Which caused me to call my servicer, because I knew that was not correct. 
-My servicer informed me that it was fraudulent because this company made up a password and federal student aid account for me to fill out information on my behalf. 
-I am now doing the work myself, filling out all forms and submitting them myself without any help from anyone. 
-There is a stop payment on my account so no money will be taken out anymore. 
-My bank filed a complaint also. 
-Now I am being harassed with phone calls stating this matter will be given to collections. 
-but, I am confused of how if this is fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I sold my condominium and as a result was due certain refunds. SunTrust sent me checks for those refunds. However, the checks expired before I was able to deposit them. I attempted to contact SunTrust to have the checks reissued but was told the department that issued the checks does not speak with customers. Since the checks never cleared I checked my state 's unclaimed property listing, however no record of the funds due to me are shown.

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 06-10-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX sold My loan to Bayview servicing company 3 months ago. I did call them and requested information regarding assuming the loan since it was under me and my Ex-husband name. They send me the documentation stating that if I decide to assume the loan the charges will be {$8000.00}. I did not fill out the application to send it in to this day. I have received XXXX statements from them that XXXX of them having {$8000.00} as passed due amount added to my mortgage. I have not even fill out the application yet and they are saying that I owe them for services that they did not even provide but I am late on the payment. This is a fraud/scam. The statements saying that I am late for in the this amount and not stating what it is for after being on the phone with them XXXX hours they said the charges will stay there as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion is reporting the same negative mortgage account TWICE on my credit report. I originally had a mortgage with XXXX XXXX XXXX that I got behind on with my payments. I could not catch the payments up and the house went into foreclosure status. They turned this account over to XXXX XXXX XXXX and then XXXX started to report the negative pay history on my credit report. So basically, it appears that I have XXXX negative mortgage accounts, with twice as many late payments showing. I eventually lost the house to foreclosure, and this is also reflected on my credit report. It appears I have XXXX foreclosures on my credit report, even though it is the same house, and not XXXX different houses. It is very obvious this is the same account listed twice, if anyone would take the time to look at the original date opened, original loan amount, etc., but no one at Transunion seems to want to listen to me. The worst part is that BOTH companies are listing 120+ days late payment history, so I end up being penalized for TWICE the amount of late payments. I 've been trying for over a year to get Transunion to correct this issue, but each time I file a dispute, I get a letter back stating this has been verified.

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 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent Equifax and XXXX XXXX numerous requests to investigate, verify and remove an account from my credit report/file that does not belong to me and they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Medical) with Midwestern Health Management INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed chapter XXXX bankruptcy XX/XX/XXXX.completed plan XX/XX/XXXX. 
northwest financial servicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
their phone XXXX XXXX. 
This matter concerns XXXX medical bills that were included in my chapter XXXX.they were discharged in the bankruptcy.i have tried to make them aware of that fact so they can stop collections and stop reporting to the credit bureaus.they refuse to stop all activity.Northwest manager name is XXXX. 
medical bills on credit report shows XXXX and XXXX.equifax is showing balance of XXXXbalance as of filing of bankruptcy was XXXX and XXXX. 
date of doctor visit was XXXX.reference numbers are XXXX XXXX XXXX changes account numbers on collections.Thank you for your assistance in getting this collection issue resolved.my bankruptcy attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
my name is XXXX XXXX XXXX.they also have collection activity on my spouses credit report.XXXX. 
would want it removed from collection on her also.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: received letter in mail stating that XXXX of my account holders has changed my name, address or SS number and I should get it checked out. The letter came from Equifax. I order my XXXX reports, XXXX and XXXX XXXX come in 1 week and all info is correct, I get another letter from Equifax saying that they ca n't identify me and I must send them a copy of SS card and Drivers License. I email them and they say that it is hard to help me without my member ID number. I then call them and give info again and they want credit card info. This is extortion to get you to buy their services. They will not let me view my report. I will not buy their membership. I am sure I am not the only person this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I requested debt validation of this debt XX/XX/XXXX. As of XX/XX/XXXX, i still have no received the validation from ccs companies. The debt is still being reporting to my credit reports and ccs is still actively trying to collect on the debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (NV).
Issue: Managing the loan or lease

Complaint: They do not allow for early payments. For example, my payment is due on XXXX/XXXX/2016. I wanted to make my payment today, XXXX/XXXX/2016. They will not allow it. You can only delay payments, you can not advance them. While you are allowed to make additional payments or pay off early without penalties, you can not make advanced or early payments. This establishes a minimum interest charge that can not be reduced in order to pay off early. They advertise " no prepayment penalty '', however you are actually not allowed to advance your payments in order to prepay early. It seems unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Medical) with Medical-Dental-Hospital Bureau of San Antonio (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX XXXX, SHOWS ACCOUNT IN COLLECTIONS AS OF XX/XX/XXXX FOR {$140.00} AND ANOTHER FOR {$32.00} DATING BACK TO XX/XX/XXXX. BOTH ACCOUNTS WERE PAID AND I RECEIVED A LETTER FROM THIS OFFICE STATING SOMEONE HAD HACKED INTO THIS DOCTOR 'S PATIENT MEDICAL RECORDS. I REQUESTED THE XXXX REPORT FOR FREE DUE TO THIS WARNING, AND IT SHOWS, BOTH THOSE AMOUNTS ARE STILL OUTSTANDING. PLEASE HAVE XXXX XXXX XXXX 'S OFFICE REMOVE THESE XXXX CHARGES!

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: Incorrectly reported payments and lates. Then wrote the issue off once I paid the loan completely off to avoid further mistakes. Payments were made on time and for more then the monthly required payment. Because payments were made in the branch, they were applied incorrectly and no problem was ever advised to me as the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been enrolled in IBR for 6 years, paying through FedLoan. On XXXX XXXX, XXXX, I submitted a request through XXXX to be considered for Repaye. On XXXX XXXX, XXXX, I received letter from FedLoan, telling me to recertify my income, and to submit recertification info by XXXX XXXX, XXXX. If I did not recertify, my payment would be switched to standard repayment. On XXXX XXXX, XXXX, I requested an update from FedLoan on my request for new payment plan. I was told, via email, FedLoan had received my request, and that it may take 60 days. On XXXX XXXX, XXXX, I called FedLoan and asked for update. I was told they were " sorry, '' but because I recertified for IBR subsequent to my request for new payment plan, my initial request for new payment plan was ignored. If I want to be considered for new payment plan, I have to start the process over. I have been waiting for approximately 4 months for an answer to my request. No one contacted me about my initial request and the fact that it has been ignored. Additionally, the information I have received from FedLoan has been misleading and untruthful. Finally, no where is there information that I could not apply for a different plan, just because I also needed to recertify my income. 
The email from FedLoan ( my initial question is below the response ) : Thank you for contacting FedLoan Servicing! We received your request for an Income- Driven Repayment ( IDR ) plan on XXXX XXXX, XXXX. Once your request is processed, we will send you a notice with the results. 
If your request is approved, it may take approximately 1-2 billing cycles for your new repayment plan to take effect. You will need to continue to make your regular monthly payments until you receive your first bill with a new payment amount. 
We recommend that you use the " Contact Us '' links on our website, www.MyFedLoan.org, to submit inquiries via a secure email form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX until XXXX ( ET ). 
Sincerely, XXXX FedLoan Servicing -- - Original Message -- - On XXXX XXXX, XXXX at XXXX, wrote : Account : First Name : Last Name : Date of Birth : I have contacted the XXXX. My request for change of repayment plans has been " closed, '' and was been forwarded to you some time ago. What is the status?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Vehicle loan or lease (Loan) with FIFTH THIRD FINANCIAL CORPORATION (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: Husband XXXX XX/XX/XXXX ; notified Fifth Third Bank in XXXX, OH, and spoke with ( XXXX ) in the dept. handling XXXX issues ; my concern was about getting vehicle re-registered with DMV so my name would appear lien and Registration ; I was told to go to DMV because they were n't sure if they would allow it. I went to DMV and explained what I needed, and they gave me a " Transfer of Certificate of Title With Lien '' form for me to fax to the Lienholder/Representative ( Fifth Third Bank, Contact # XXXX ). I called back on XX/XX/XXXX, and spoke with an XXXX, but quickly got off phone because of her personality ; not someone I needed to speak, considering I 'd recently XXXX my XXXX XXXX. Called back to speak with ( XXXX ), who was very nice on my first contact with this Bank, but he was unavailable, so I spoke with a ( XXXX ) ; I asked could I fax the DMV form and XXXX Certificate to them, but was told I could, but they would not complete the form because I was not on the loan. My response was I know but I am maintaining payments, until loan is paid in full and only wish to be able to get the vehicle registered with DMV appropriately ; they would still have the Lien, and would still get their money. Loan has and is still in good standing. When I contacted them initially they had me believing that if the DMV is would accept such a transaction, it would be no problem. Their main concern was if I was going to keep the vehicle, and my response was yes, I would continue making the payments on time ; but now they want me to pay the loan off ; that 's easier said than done.l I 'm not rich, however, I 'm a retired, now XXXX, and will pay my husband 's loan. Look like their should be some type of provision for situations of this nature, especially when the XXXX is already going through so much mentally from the XXXX XXXX XXXX XXXX XXXX. I feel I should not have to be stressed with going and getting a new loan for my husband 's vehicle. I 'm not asking for a handout, just asking for help to keep paperwork with DMV straight.

Company response to consumer: Closed with explanation