milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: This is my first mortgage payment. it was transferred to Roundpoint. First, I tried to pay my first payment early. I accidentally typed the incorrect routing number. I called immediately. After an hour on hold, I was told there was nothing I could do, it would be rejected by the bank in a couple weeks. To avoid a late payment, I had to make an additional payment now. I went and immediately made an additional payment. This was taken from my bank account. However, my mortgage account now says this payment was also rejected, because it was applied incorrectly. So the money was taken from my account, but not applied to the loan. I can not make another payment ( as the money is not in my account anymore ), but I am still going to be assessed a late payment. I have been trying to get in touch with customer service for an entire day, with no answer. All I want to do is make my first mortgage payment on time, and roundpoint is literally making it impossible for me to do that.

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 02-07-2018 about Debt collection (Medical debt) with Capital Accounts, LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Capital Accounts - XXXX XXXX XXXX, XXXX TN XXXX Account # XXXX XXXX XXXX XXXX. 
I have informed the above collection agency from day one that they called me that, I did not owe the above the said money, without checking or verifying information from their clients they report the inaccurate information to the credit bureaus. Their action has caused an irrefutable harm to my credit score and diminished my ability to refinance my mortgage.

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 12/14/2015 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Closing/Cancelling account

Complaint: Credit Denial : Unjustified Credit Denial by Barclay No legal justification for closing a credit card account : The account did not have any charges or missed payments or debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: After suffering through a period of unexpected unemployment I contacted Navient to attempt to get my loan back on track. I made arrangements to pay via a " XXXX pay '' program which would put my account back into current status after XXXX scheduled payments. I gave them my bank account information and assumed that that would be the end of it. 

The next day I started receiving phone calls saying that something had gone wrong. I was finally able to get in touch with them again the next week. I was told that the automatic payment needed to be setup again, so I did. The automatic payment apparently failed again, and I started receiving calls from them about this a couple weeks later. I know that the account information I provided was correct and there were funds in the account at the time. 

I suffered another financial set-back that put my bank account into overdraft shortly afterwards, so i had to wait to weather that before contacting them again. 

I tried calling back as soon as I knew when I had the funds available but I was told that unless I made a payment that day of XXXX $ XXXX would not be able to prevent litigation. I was then forwarded to a " XXXX '' who was extraordinarily rude and confrontational. I explained the fact that my autopsy had failed for unknown reasons and that 's i could make a payment in XXXX weeks. In response she accused me of fraudulently providing them an incorrect bank account number or not having funds in my account. She continued to berade me for my inability to " balance my checkbook '' even when I explained my financial hardship and recent unemployment and repeatedly accused me of fraud. When I requested to speak with her XXXX or any other superior she refused to allow me to speak to them and threatened me that they would receive a file on the pending litigation instead the next morning. 

When she did nothing other than continue to yell at me while I attempted to ask her about alternatives to litigation, I hang up and called their customer service number again. I stayed on hold for an hour before I had to hang-up to return to work. 

Navient seems to be unable to accept payments from my bank for unknown reasons, has XXXX who are only interested in berating customers who call to attempt to make their account current, and has wait times that make it impossible to get ahold of them during their office hours without missing work.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Medical) with Capio Partners, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have talked to this debt collector several times. The situation is considered a hardship situation beyond my control. I had to have XXXX while going through a divorce, I am a single Mom of XXXX with full custody and have finally obtained a new job and am on my feet again. It has taken me 18 months to get our lives back in order after their father left us. 

XXXX. Which in turn placed a huge burden with the balance of this medical bill that I was unable to pay. I was a stay at home mother for 7 years and did not have a job. 

I have been trying to negotiate with this company, but they will not provide a written authorization stating the payoff agreement amount. The collections agent said that they would provide a letter stating that this collection will also be removed from my credit AFTER the negotiated balance is paid. The problem is that they wo n't provide the agreed amount OR the debt removal letter in writing. They only offered it verbally via phone call. 

Now they are calling me constantly and have sent payoff offers that are hundreds of dollars more than the offer they extended on the phone. 

Due to the communication inconsistencies, I do not trust this company to take this off of my credit report once they are paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have sent previous request to Experian, requesting they Delete XXXX Account Closed with inaccurate information from my file and yet they have failed to do so. 
Accordingly, I intend to show a judge that these accounts are inaccurate and that thus violated the Fair Credit Reporting Act by ignoring my requests to investigate with Correct Information. My previous request stated my reasons for Delation and these reasons were not frivolous in any way. 
If this final request does not prompt Experian to conduct a proper Delation of the account in question, and send proof to me of said Deletion, I will file a civil suit in XXXX XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation with Deletion. I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports I request this be resolved and delated with in 5 days to avoid stalling the process further by you.. 
I anticipate your response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Payday loan) with Delray Capital, LLC (AZ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: XXXX XXXX stated that they were attorneys trying to collect on a payday loan. They also disclosed the debt without verifying they had the correct party. I had lost my job and did not have any money to put anything on file. Told them on XXXX call that I could put something on file but that it would have to be for a month out as I just started a job. They wanted me to call back and put {$100.00} on file. The first representative was very rude and harassing. I felt very worried about how I was being treated. It was the first time I had talked to anyone from there. I did not refuse to pay but they are trying to submit me for legal action. I was told that they were working for attorneys but I have never heard from the office that owns the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The credit report for Trans Union states that I used XXXX % of my XXXX XXXX account. ..which is incorrect? I 'm guess that this mistake caused the credit score to decrease by XXXX. Why would XXXX XXXX let me put more on a card than the limit? Did n't happen!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Account opening, closing, or management

Complaint: I 've used Citizen 's Bank for many years. In XXXX of 2014, they started taking monthly fees across XXXX different accounts. In some cases, there were XXXX fees in each month within XXXX account! I 've called and met with regional branches ( XXXX, XXXX, XXXX XXXX ) and did get ANY explanation as to why these accounts were getting debited. As well, the branch manager that promised to resolve this quit. On the bank statement, there is no explanation as to the nature of these new charges on old accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: SW Credit systems I went in to XXXX XXXX XXXX and settled with them in full in XX/XX/XXXX2016. Spoke with several representatives that there was no balance and just phoned in today. This is not my debt and i want this removed off of my credit. You will see the last payment and settlement amount attached. Please remove my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Application, originator, mortgage broker

Complaint: We have had this pick-a-payment ( sub prime loan ) since   XXXX   .For the past 10 years we have been trying to get out of this loan. We have tried on numerous occasions to refinance as well as motifications we have never had any success as wells fargo always has another escuse why they can not do anything for us. Motification they say i make to much money I have a family of  XXXX   XXXX  in collage  XXXX  still in high school i might make good money but with this mortgage i dont have even enough money to pay a mortgage of  XXXX  a month at 6.95 % We are not a   XXXX   XXXX   XXXX   XXXX   loan .... we are however a hard working family that is trying to save our house from forclousure / shortsale .We are looking for a lower rate mortgage so we could afford to stay after close to 15 years and  XXXX  already paid in interest to this pick a plan loan Thank you in advance and hope we can get some sort of help The  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 05-04-2017 about Debt collection (Other debt) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I reviewed my credit file late  XXXX    XXXX   and there is an account reported by AD  Astra Services.  I sent a request to the company to verified this debt. I received typed document that have no identifying information that ties this debt to me. The account is showing paid ; however, this company has not provided me with the legal supporting documents that is related to this account and how it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (I do not know) with Designed Receivable Solultions, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Last XXXX XXXX, 2017, I wrote a letter to your company to request for debt validation documents to be sent to me pursuant to FDCPA. For some unknown reason, it has been more than 40 days since I sent you my request and I still have not received any lawful, valid validation documents. This is my last resort, have this issue fixed. I will not hesitate to get my legal counsel involved.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I opened a checking account at Wells Fargo with a promotion code that offered a {$100.00} credit if you made XXXX debit and/or payments in 60 days, or set up a direct deposit. I made XXXX debit card purchases and XXXX payments in 60 days. When I called Wells Fargo one month ago they assured me that I met the qualifications and that I should expect a credit in about 8 weeks. 8 weeks later and I have not received a credit. Today I went into a branch and was told that I did not meet the requirements for the promotion. I believe this to be unfair practice and completely misleading. I also do n't understand how XXXX different employees in customer can be so ill informed about the policies and procedure of a simply promotion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/25/2017 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX has account reported as charged off. {$14000.00} written off. {$9200.00} past due as of XXXX 2017. This account went to collections 2 yrs ago and is currently being paid thru them at {$220.00} per month and on time.

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 08-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: i was asked questions to verify that it was me and none of the questions were even clos ei believe im a victim of identity theft, it wont let me view my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (I do not know) with First Advantage LNS Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I do not have no knowledge of account, I have sent them written disputes to remove this fraudulent debt but continue to report this on my credit report and severely damaging my credit status. I would like this permanently removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have already dispted inquiries on my credit report with transunion that I did not authorise and I keep getting the same response from them telling me I dont have to give consent. I have contacted the companies who are listed with each of these companies and they tell me it is up to the credit bureau to remove the inquiries.

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I want those inquiries listed above removed immediately. The responses I keep getting from Transunion is as follows : We have reviewed your complaint along with the information you previously provided regarding this issue. The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written authorization may not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. Should you need any additional assistance, please call us at XXXX, Monday-Friday, XXXX XXXX XXXX XXXX ET. Please visit http : //transunion.comXXXX  for frequently asked questions about your credit report.

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 05-11-2017 about Debt collection (Payday loan debt) with ROC Asset Solutions, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: A third party debt collection agen cy ( AP I Recovery Solutions ) not only called me on my cell phone, but also my parents ' house and cell phones, threatening to take legal action if I did not contact them and pay this debt. Since it was for a payday loan (   XXXX   ) I had defaulted on a long time ago, I thought it might be real. I asked for a detailed letter of the debt and to take my parents off their calling list. I received an email with an attached letter from them on  XXXX / XXXX / 2017 . It had my maiden name on the letter, not my current legal name. And, I had set up a payment arrangement with them to auto charge my debit card on the  XX/XX/XXXX  and the  XX/XX/XXXX  of every month. It was supposed to be {$420.00} for the firs t 2  payments and then {$100.00} for the rest of the payments until the debt was paid off. To authorize my payment, I had to sign a document giving them permission, which I never did. They had charged my card {$420.00} on  XXXX / XXXX / 2017  and  XXXX / XXXX / 2017 . And, so far have charged my card {$100.00} on  XXXX / XXXX / 2017 , instead of just {$100.00}. They never sent me a schedule of payment. And, even after the fir st 2 pa yments came out, they called my Uncle and left a threatening voicemail.     I called the original debt company, and they told me they sold my debt to another company (  XXXX   XXXX  ), who informed me they sold the debt  to API.  Since I was a ble to trail API t o  XXXX , I thought the company was legit. However, charging my card with no signed authorization, charging my card a different amount than agreed, no payment schedule, and contacting my uncle after I had already set up an arrangement, made me suspicious.

Company response to consumer: Untimely response
Consumer complaint received 08/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Management Incorporated (MA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Company has called me several times pretending to be attorneys aggressively and abusively telling me they will be taking me to court and telling me I operate a dishonest business and I will be " punished ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (I do not know) with American Credit Resolution, Incorporated (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The calls started a few days ago. They also operate by another name XXXX, also based in Georgia. They claim to be attempting to collect a debt for an online loan. I have resolved all my outstanding accounts, by either having them discharged in my bankruptcy in 2015 or have settled directly with the company. I receive mulitple text messages, threats by email and harassing phone calls threatening legal action. I have repeatedly asked them to stop and have they have not. I am including a copy of the long list of BBB complaints about this company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Debt collection (Medical debt) with Alorica Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: company is stating i owe XXXX XXXX bill, but i do not. i have no bills pastdue with 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 10-07-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Other

Complaint: I was told in XXXX I would receive a {$300.00} refund to my credit card by XXXX. After XXXX I was not refunded and called into Chase who said it would post by the end of my billing statement. That cycle has closed and I still have not been refunded and have now paid interest for 2 months on the refunded amount. 

I ca n't get my money back and now they are making money ( interest ) off of their mistake by not refunding me the money. Maybe that was their intention, to delay refunds to make interest off money that should n't have even been charged to the account!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/30/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Somebody got a hold of my account information and deposited a check into my account. Three days later they told me that the funds were available. I withdrew the money. One or two days later they told me that the check was no good. They closed out my account. I had direct deposit deposit and could n't stop it in time. Three days after they closed out my account they took my whole paycheck.

Company response to consumer: Closed with explanation