milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Management Solutions (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: FinancialreturnedThis is my 3rd complaint against this particular Collection Agency. First, the Collection Agency called my personal cell phone about the debt and threatened to ruin my credit if I did n't agree to attempt to resolve the debt, even though I denied the debt being mine. Secondly, the Collection Agency did not send me a Dunning Letter the required 5 days after contacting me by phone, but placed the collection on my credit files, which is in fact a violation of FDCPA. Only after I disputed the validity of the collection, did the Collection Agency attempt to " Partially '' validate the debt. I disputed the validity of the debt a second time and the Collection Agency attempted to " Partially '' validate the debt, sending paperwork duplicate to their first response. The Collection Agency also stated in their letter that they would simply refuse to validate this debt any further. I attempted on a third occasion to have the Collection Agency validate the debt in its entirety by sending them a Validation Letter by CERTIFIED Mail, Tracking No. XXXX, by which the mail was returned to me stating that it was not deliverable and unable to forward. Yet, I sent this Certified Mail to the address on the Collection Agencies Letterhead. The Collection Agency, being Financial Management Solutions has also REPEATEDLY placed Documented ( HARD PULL ) Inquiries, one of which FALSELY STATES that I 've recently applied for credit for an Installment Loan, on my Credit File which negatively affects my Credit Score, which is exactly what Financial Management Solutions explained that they would do. The Collection Agency also continued to Negatively report to the Credit Bureaus while the debt in question was under dispute. Financial Management Solutions, continues to report negatively on my credit files, even though they have stated that they are No Longer handling this particular collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have XXXX mortgages ( my husband and I own XXXX houses ). No surprise, XXXX mortgages have been transferred to other companies. XXXX companies charge us an " online processing fee '' for paying on line. This makes no sense at all! They do n't have to pay someone to open a letter and process the payment, it 's less secure to mail the payment, and the payment is recorded online anyway. The companies are Specialized Loan Servicing, in XXXX, and XXXX, in 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 11-02-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Dear Sir or Madam : I am a veteran, recently I relocated to the state of XXXX. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.

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 05-02-2016 about Consumer Loan (Installment loan) with Oportun Financial Corporation (TX).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX Progreso know known as Oportun called to request a payment be made to my account and because I had fallen behind and I scheduled a payment to be taken directly from my current XXXX XXXX XXXX checking account. I agreed to have the payment taken from my account on XXXX XXXX, 2016 ; however, for whatever reason the young lady mistakenly processed my payment that same day and it was taken from my account on the wrong day after I had already gone into detail about the lack of funds available to process the payment any sooner due to my recent divorce. The payment had not been authorized for that day and she acknowledged that she had made an error on my account. Unfortunately, due to bank policies and fees my account was hit with XXXX seperate fees, each for {$35.00}. ( 1 ) for the initial draft of {$210.00} that was not authorized for that date ( 2 ) for a {$25.00} payment that was for a credit card I had scheduled my minimum payment for and only had the money needed to cover this charge and ( 3 ) an additional {$35.00} charge because the account stayed overdrawn for over 5 business days. I spoke to the Progreso now known as Oportun to inform them immediately about what would happen before the charges hit my account and they stated that the payment would not be paid, but I knew from previous banking experience that it would given my good history with the bank. I also informed them of my credit card payment being kicked back. I have requested a letter apologizing for the inconvinience in hopes to provide that to the bank and the credit card company but have been denied twice and as of yet have gotten no response to them crediting me back for the error they caused on my account. All they keep telling me is that they gave back the money for the initial error, but have yet to fix the other issue of the fees they caused on my checking account due to their error in posting a payment before the date it had been authorized. I have contacted them on a weekly basis since this happened and as of today any time I call, I have to explain everything every time. Nobody is taking accountability for the error their employee made and they definately could care less if I am out {$100.00} and are unable to provide an apology letter, but I do get letters asking for payment of a past due amount that is incorrect because they still owe me money too.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I had disputed this company previously, I do not have the case number. I am uncertain why they would be putting inquiries on my credit and I would like an explanation and I would like for it to be removed. Inquiries effect my credit score. I was notified about this action through XXXX XXXX. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Bad customer service by HSBC, principal payments made but were not applied to principal correctly. On the phone for hours trying to resolve issues and get pay off for loan

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Consumer Loan (Installment loan) with Courtesy Finance LLC (TN).
Issue: Managing the loan or lease

Complaint: We were in the process of obtaining a consolidation loan from another financial institution. We told XXXX XXXX [ who the installment loan is with ] about this consolidation process XXXX times. We finally got a closing date for the consolidation loan and called XXXX to obtain the installment loan 's balance. We were told we could not get the payoff over the phone [ they gave us a balance on the accounts ] that we would have to go in. We went in to get the payoffs and gave them the date we thought we needed the payoff amount to be. They printed out the payoffs. Our consolidation loan closed 2 days after the payoff amounts were good for. The day after the date the payoffs were good until, XXXX of XXXX 's [ his name is XXXX ] employees came to our home ... to " scope things out ''. My partner approached him and she told him that the consolidation 's closing date was the following day. He was condescending, telling her that we had " promised '' to pay off the installment loans on the date we asked for the payoff amounts. He also asked " what car titles '' his company held [ they were never given auto titles ]. 

Prior to his coming out to the house, they would call our phones up to XXXX times daily. 

I was also dealing with another installment loan company that was the TOTAL OPPOSITE of this XXXX. They documented each time we called concerning payoffs, the original closing date and the new closing date. No complaints for them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Student loan (Private student loan) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: After moving home from my full time job in California ( back to NJ ) to try and help support my father and sister I have only been able to locate a part time job. My private loan with Citizens Bank/XXXX XXXX is 3 weeks of my paychecks for a part time job at {$9.00} an hour. That would mean I would n't be able to pay my car payment or car insurance ( along with other day to day necessities ) which in turn leaves me jobless. I am now behind and will never be able to catch up. Thus, both mine and my co-signers credit will be tarnished. 

I have called multiple times trying to work something out, even mentioning income based payment options and they have offered me nothing. They say I 've used up my deferment when I was trying to get my feet under me when I first moved to CA for work. 

I 've made a small payment, but the harassing calls will not stop they have said. 

At the end of the day I am aware that I am not the only citizen that is in this situation with college loan debt. These companies need to be more helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I had been out of work for a while. And they would constantly call and harass me for money. even went so far as to ask me to ask someone else for money. i think the interest rates are outrageous. XXXX is at least XXXX %, also the school I owe money to has been shut down. So i do n't believe that i should repay them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Student loan (Non-federal student loan) with TFC Credit Corporation of California (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended XXXX and graduated. I was told that I would receive my certificate two weeks after my graduation. I waited and received nothing. I called the school and was told that I needed to finish paying my student loan prior to receiving a certificate. My husband has numerous degrees and said that he never had to wait to pay his loans prior to receiving a degree or certificate. Then XXXX closed its doors and went out of business. I still get billed by the company that I received the loan from, however, I have no certificate or promise to receive one from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Debt collection (Other debt) with Financial Business and Consumer Solutions. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX - XX/XX/XXXX XXXX Salesperson misrepresented information, saying it was 30 day trial and could cancelled any time without penalty and also failed to disclose terms with respect to cancellation. When called over phone to cancel, was told it was only 3 day trial. 

XX/XX/XXXX Notice of Cancellation email was sent to XXXX XXXX XX/XX/XXXX XXXX Removal of equipment XX/XX/XXXX FBCS Debt Collecton mailed stating I owe {$1600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I authorized XXXX XXXX to do a credit inquiry for financing, I did NOT authorize XXXX Bank, XXXX Bank, or XXXX Bank to do an inquiry. These are for the same thing - a motorcycle loan. Can you please remove all but the XXXX XXXX XXXX??

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I went through my chase bank statement today and i noticed there were monthly charges from XXXX XXXX XXXX of {$9.00}. It was an unauthorized purchases that i never ordered from, the only purchase i did was for XXXX XXXX subscription. Charges were made from XXXX to going back XXXX. The bank was only able to disbute it for up to 60 days and XXXX refuses to refund me all those months from the start. Its a total of {$89.00} ; {$9.00} times 9 months. What can i do about it??

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-03-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I had requested to Bank of America that I wanted to place my home up for short sale 2015. I fax documents to the for approval that have been giving me the broaden around. I am working with a real estate company for a buyer, BOA shut that down. From 2015 to current I have been sending BOA my leave and earning statement and bank statement but I can not do a short sale. I am really frustrated, please help.

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 11/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I have a Capital One Buy power card, where if you pay on time they still charge you a late fee because they take 3 days to process your payment. So the only way to avoid late fees is to pay a week early or enroll in there autopay option. After escalating this as far as possible I received a call from XXXX from a women named XXXX. Saying " the late fee was removed but it will happen every month and I will have to fight it unless I pay early or use autopay. This is the policy and nothing will change it. '' I do not believe it is far to charge late fees for paying on time. I saw it and fought back how many people do n't see this happening to them and are paying this ree every month. This is a crime and should not be allowed

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: On my BEST BUY statement I notice there were fees regarding a Debt protection program which I never authorized for. I have been a Best buy credit card member since 2009 and the fees over the time are between $ XXXX-XXXX. Some of the fee charged are not even documented on my statement.They have charged me over {$2400.00} in these fees. The problem is if they did not charge me these fees I would of been able to pay off my credit card in time before the promotion was over. Now I got charged by BEST BUY over {$3000.00} in interest fees. Which this made me go over my credit limit also caused an bad impact on my credit score.I have contacted Debt Protection and they stated they will send me documentation and investigate the issue also refund my money buy it will take 30 days. Then I called BEST BUY ( worst customer service ) they stated they do not have any documentation in regard to these fees and the company was a third party. I told them the only thing I signed up for was a BEST BUY CREDIT CARD an now there are fees from this program on my BEST BUY statement and so they have to be a part of it and have some documentation. Best Buy ( XXXX ) said no. I told him I did not go out of my way to get this program and have more fees added to my monthly payment its RIDICULOUS. These fraudulently added by one of their employees. The only thing I signed up for was a BEST BUY CREDIT CARD. There was no mention of another program there is no way I would want to add more charges to my account. DO NOT GET A BEST BUY CREDIT CARD!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Haven't received a promo bonus for opening bank account, I have completed all requirements.

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 05/24/2016 about Consumer Loan (Installment loan) with CONSUMER PORTFOLIO SERVICES, INC. (AZ).
Issue: Problems when you are unable to pay

Complaint: I received a loan from consumer portfolio services in XXXX of XXXX, in XXXX I contacted them to advise them I would be a week late on my payment. At that time I was told my car would be repoed and I could not be late. The representative told me my due date would have to change. I told them I did not want my due date change, they changed it anyway. I requested for them to change my due date back to the original date when I saw on my next statement. They told me I was not able to request another due date change. I told them I never requested the date to be changed to begin with. They were no help. Further into the loan I requested for XXXX extensions total. It would change my maturity date from XXXX of XXXX to XXXX XXXX. My maturity date now is XXXX XXXX. I asked why my maturity date was added by 9 months. The rep tried telling me that i requested XXXX due date changes as well which adds to my due date. Which is incorrected I never requested XXXX, non the less XXXX. They lady at that time told me she could change my due date back to the original date. Why did this not happen when I first asked? She would not give a valid reason.I also show in 4 years I have only paid XXXX toward a XXXX loan. I will owe thousands of dollars after my maturity date. They change my dates without request, add money to my account that is not legitamate. There is illegal handling of my account, when I ask why I still owe so much money after my loan ends they can not give me a legal valid reply. They tell me a supervisor will contact me but never does. They do n't make accurate notes on my account on what the conversation entales. They make endless excuses about my account and why I will owe so much after. They have harassed me and my family multiple times througout my loan with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Talbot, Adams, & Moore, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I believe that the account being re-reported to my credit report had fallen off or paid for by me. I am certain that I paid another debt collection or this same collection agency Talbott Adams and Moore spears the amount of {$260.00}. I called the credit collection agency and they asked for a receipt number which i obviously do n't have becuase it has been XXXX years since i paid for it and it was removed from my credit report. I want challenge the accuracy of the information and verification of this debt from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Please see CFPB complaint number XXXX that was just filed on XXXX XXXX 2017. That complaint only covered 2 of the entities involved in this debt collection complaint. Please use the material and information provided in that complaint file # XXXX in conjunction with this filing as they are one in the same.

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 06/29/2016 about Debt collection (I do not know) with Army and Air Force Exchange Service (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I do n't even know this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with Southern Service Systems, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a collection letter from a company called Southern Service Systems on XX/XX/XXXX. Trying to collect on a debt from a home I lived in last year when I was on HUD. I stayed out there for 3 yrs and never had a problem until the new manager came and all the old workers left. I was living month to month, had already fulfilled my lease. I didn't pay any rent being that it was income based. I went to the office and put in my 30 day notice to vacate. During the 30 days an inspection was done on the home. They found no problems. I moved out on XX/XX/XXXX. The amount they are saying I owe is XXXX for an unknown reason. I sent a debt validation letter to the agency requesting proof of the debt and what exactly I was being charged for. I received a response on XX/XX/XXXX. It wasn't what I asked for. It was only a printout of the lease and didn't show any amount owed or explanantion. I then called the company directly to see if someone could explain to me and I was unsuccessful.  The lady I spoke with had no clue of what was going on or what the charges was for. First she said rent, I explained that wasn't possible because I put in a 30 day notice and furthermore I didn't pay rent because I was on HUD at that time. There wasn't any damages because an inspection was done prior to me moving. I paid a $XXXX security deposit before I moved in that was never returned to me when I moved out. If it was something owed then it should have been taken out of the deposit being that I didn't get it back.

Company response to consumer: Closed with explanation