milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2016 about Debt collection (Credit card) with DISCOVER BANK (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX I completely paid off Discover Card pursuant to an agreement ( attached herein ) from XX/XX/XXXX - XX/XX/XXXX ( as agreed ). Approximately four years later I found out ( in XX/XX/XXXX ) that they filed a judgment against me in XX/XX/XXXX even though I have proof of payment ( see attached copies of checks ). I have been trying to get them to talk to me since XXXX, but to no avail. I have sent by certified mail letters to all of the CRA 's and they failed to remove this debt even though I sent them copies of the checks and agreement. They ( Discover ) refuse to remove the judgment from my credit report ; they can not find my file ; they can not prove I owe the debt. I sent them the agreement and copies of the checks and they have never responded or sent any documentation they have on file to show I owe this debt. Apparently this debt has changed hands several times between debt collectors and they can not show that I have not paid. They did not even have my SS # until I sent it to their representative 3 weeks ago. Still no response. I feel they have violated UDAAP and the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2017 about Debt collection (I do not know) with BTH Management (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have never done business with Plaza Services. I do not have a signed contract not any contract with Plaza Services. I have a right to demand a copy of such contract between Plaza Services and myself.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: someone used my name for 10 inquiries with out my permission at Equifax credit burea sent Equifax a letter with picture ID disputing it. All auto dealers think it was a relative because they knew my ss number.Equifaxdid not investigate

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Capital one bank refuses to reverse nsf fees caused by a company whom I instructed to close my account. The company failed to do so and repeatedly tried to debt my bank. Capital one charged me for every failed attempt over nine times at XXXX $ each. Outrageous! There policy is because I authorized recurring payments. It was ok to bill me. Catch 22 for them to ROB me. 
Even though I opted out of overdraft protection!!! 

Now I ca n't even access my records on line. To challenge them because I get online statements that I ca n't see!!! 

Need help please. I am a disable veteran on fixed income. Ca n't pay bank robbers half my check. Smh XXXX XXXX XXXX retired

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX, 2017, I sent a letter to XXXX XXXX XXXX ( see attached ). I requested that their office provide me with competent evidence that I had any legal obligation to pay them. Specifically, I requested that they provide me with a summary of all account activities, including all payments made, late charges, interest, date of payments received, copies of charge slips, invoices, promissory notes and other documents proving indebtness, copies of all documents sent to me regarding this account and copies of any papers that show I agreed to pay what they say I owe bearing my original signature. To no avail. I received a letter from them dated XXXX.17 ; however, it is nothing more than a mere statement their office has generated with no further explanation nor itemization of what is allegedly owed. 

It is obvious their records to provide verification of this debt is non-existent and they are therefore in direct violation of my consumer rights. This blanket balance has no supporting justification and therefore should not be reflected on any of my credit reports.

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 07/20/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Pnc mortgage company is dragging their feet about stopping pmi. I have asked them twice in the last 9 months to take it off. I am now at 68 % LTV and XXXX XXXX 2016 is the scheduled time that it should stop. I want to send My XXXX payment without pmi payment but they say I should send it in anyway. I asked for new coupons showing no pmi on the coupon payment book. They always have an excuse, never get to talk to a supervisor. I am afraid that pmi is never going to stop unless I sue them. I should n't have to since it is the law that it stops at the scheduled time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (ID).
Issue: Application, originator, mortgage broker

Complaint: Can borrower current in their HAMP modifications ( XXXX and XXXX liens ) receive another HAMP modification due to hardship and interest rate increase? Wells Fargo ( my servicer ) said XXXX XXXX ( XXXX ) owns my loan and only XXXX HAMP modification is allowed. 

Any idea why XXXX loans can not obtain another HAMP modification?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Consumer Loan (Title loan) with Southwest Recovery Services, Inc. (MS).
Issue: Can't contact lender

Complaint: Southwest Recovery is not licensed in the state of MS. Southwest has made repeat phone calls. Southwest is in complete violation yet they have not ceased.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (HI).
Issue: Managing the loan or lease

Complaint: I have an auto loan with Santander Consumer USA bank. I have sent in my payments, but unbeknownst to me, the payments were returned. I was not aware of this, nor have I received any calls or notices from Santander regarding this. I sent in a payment with a letter requesting that I be able to pay half of the {$530.00} in 2 monthly payments, on the XXXX and XXXX of every month because {$530.00} taken in one chunk was really hard for me. I did not hear back from Santander with regards to my request. I sent in my payment of {$260.00} on XX/XX/XXXX and a couple of days later, my car was repossessed. I then called Santander and was told that they do not receive any correspondences as the payments go to a different department so any correspondences attached to the payments are not forwarded to the correct department. I sent in another letter, this time to their main address informing them I had submitted a payment and a letter and that I would like them to reconsider auctioning off my car and accepting my request to split the {$530.00} payment into 2 payments. The letter was sent to them on XX/XX/XXXX. It is now XX/XX/XXXX and I have not heard anything back from Santander. No response or phone call. I explained to them that I am the sole provider for my household and that I am not trying to get out of making my monthly payments, but just simply splitting the payment into 2 payments per month. I also sent in a letter to them in XX/XX/XXXX asking for explanation of fees, however, they did not respond. I called the repo company that Santander hired to take my car, twice to ask if I can get my personal items out of my car, however, I did not receive a call back from them either. This was my only means of transportation and they have caused me a lot of stress. What kind of company is this, who does n't respond to their customers?

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit card () with CITIBANK, N.A. (MN).
Issue: Payoff process

Complaint: I have a VISA account with Citi as a result of them being a Costco service provider. I had several issues with their billing and decided I would pay off the account and ultimately close it. I scheduled an electronic payment for XX/XX/2017 based on my statement that paid the stated balance in full. I received the statement for XX/XX/XXXX and there was an interest charge of {$4.00} as of XX/XX/2017. I called and the service rep told me that this was an interest charge on the prior month 's balance. In other words, they are billing me interest even though there is no outstanding balance at the time the interest is being charged.

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 09-10-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: This debt has been on my credit profile for some time. I have filed bankruptcy and this was an added debt, but it has not been removed. I have contacted the company to let them know I did not visit the hospital or receive any type of XXXX XXXX for the dates stated. They have not removed this from my credit profile. It has been reported on both Equifax and XXXX reports. Equifax still has it listed, but XXXX does not.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been fighting with XXXX for over 10 years about my student loans and now i am fight with navient for the same reasons. I was setting of my bank account to autopay my bills, I called XXXX and asked for their mailing address and I spoke to a customer service agent and asked her how much was i supposed to be sending each month she told me {$110.00}. For three months i sent XXXX XXXX dollars and then i notice that i had a posting on my credit report of late payments. SO i called XXXX again and that is when i was informed that the payment was to low. I went by what was told to me by their agent so why should i have to be penalized for her wrong information? THAT WAS XX/XX/XXXX ITS NOW XX/XX/XXXX i have been paying a XXXX to help me remove this from my credit report and ancient has ignore all correspondence from them and me. IT IS NOT FAIR THAT XXXX AND NAVIENT SHOULD BE REPORTING THAT I WAS LATE ON PAYMENT WHEN I DIDNT HAVE NAVIENT AT THE TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This was to be removed from credit file due to the case being dismissed also courts has confirmed this should be removed.I even called on 3 way with the Bankruptcy courts on the line this should be deleted from credit public records file. <P/>Reference Number XXXX Date Filed Reported on XXXX XXXX, 2014 Classification Bankruptcy

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 10/19/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IN).
Issue: Loan servicing, payments, escrow account

Complaint: My loan has PMI insurance. The current principal balance is 74 % of original appraised value and the company is still taking out PMI insurance included in my payments. There are no late payments, loan is current and always has been.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent the the attorneys, XXXX, the firm that is representing XXXX requesting verification of the debt, the original agreement signed by the alleged debtor and other information since this is a debt buyer and not the original creditor. I have not received the original contract but have received unverified billing statements. This is in violation of the FDCPA. They have failed to provide sufficient evidence of the validity of this debt or that I owe XXXX. I sent the first request via certified mail and have sent a second request the same way. Instead, I have received a letter indicating they plan to sue me but have not as of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Consumer Loan (Vehicle loan) with DriveTime (TN).
Issue: Managing the loan or lease

Complaint: My family had outgrown our Honda and due to the lack of credit, went to Drive Time to purchase a crossover vehicle. While we were thrilled with the high interest rate or 5 year terms, we were told that it would be reported to the credit bureau and that was an ultimate plus in our book. Less than a year after getting the vehicle, I had a XXXX issue and work was not an option. I was forced to apply for XXXX. I applied for a loan to consolidate a few bills and make a smaller more reasonable payment than the {$440.00} I was currently paying and found out that Drive Time had never reported anything until I was late. There were no positive markings from them at all. I ended up defaulting on the loan. I contacted Drive Time made a promise to make good on my loan as soon as I received my XXXX. They informed me if they saw it ... they would take it. 
Moving forward ... I received my XXXX and kept my promise with Drive Time, I paid over {$2500.00} and continued making my payments. They were reporting my payments up until XXXX of 2014 and stopped. The amount was written off as bad debt and my credit score dropped by XXXX points. When I inquired about it, they said they would fix it ... it took over 3 months and instead of fixing it, they put {$1800.00} on my report as a new loan. You would think this would be an easy fix. I kept my promise and did the responsible thing ... the average person would n't have paid off a vehicle that is in default and costs more than its value. Being a woman XXXX XXXX, I feel you get what you put in the world and so I did what I felt was the right thing. It bothers me that Drive Time hasnt. As a XXXX person, I should n't have to make numerous calls, get a run around and no results. As of recently I owe {$550.00}. In XXXX I was offered a pay off of a little over {$800.00} ... which I did n't have. So this month I was told {$400.00} was the best that they could do. I just feel like I 'm being hustled and drug along until the very end of my financial commitment to Drive Time. Yesterday I requested my payment history to show credits I 've received for referrals, late fees etc, so I could dispute with the credit agencies and get it fixed ... was promised it yesterday ... I still have nothing. 

I will forever be thankful for the blessings and Drive Time 's patience ... but the things I 've endured the last few years has made it hard to speak great about them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an open case since XXXX with the CFPB # XXXX A quick refresh ; Experian is still reporting said company " XXXX XXXX '' on my credit report. 
" XXXX XXXX '' is conducting business under a new XXXX XXXX, or other XXXX XXXX 
Not XXXX XXXX ''. Yet Experian repeats that they are reporting correctly? 
How in XXXX 's name is that possible? A ghost company is reporting on my credit report? 
I received no validation from XXXX XXXX, because they do not exist. 
I want this removed from my credit report for this reason alone. 
They, Experian is not abiding the law, if not removed by Experian, I will take my complaint from XXXX and sue for credit damages from that date to present. 
I can wait until it falls off in XXXX automatically, it is the principle now. 
That Experian should be held accountable.

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 11/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In 2006 I took a a loan through XXXX XXXX ( now Navient ) in the amount of {$20000.00} to attend XXXX XXXX University in XXXX Michigan. I tried to contact them many times to work out a payment plan and they would ask for an upfront fee in order to ring my account up to date before proceeding. Once I gave them the money they would tell me that they could not do anything for me now and to call back before my next payment would be due to work something out. When I would call again they would not be willing to work out a payment plan. Since then I have stopped answering calls from navient who is also hounding my co-signer. They call on the weekends and at night time hours. Last week my mother informed me that a letter was sent to her home from navient saying that I have until XX/XX/XXXX 2015 to contact them or I would go into litigation. Why was this letter not sent to my address they have it on file. I do not see my parents every day. I have been doing research on Navient and it seems that many people receive agreements on payment plans but since they have not gotten anything in writing those plans are not honored. Many people on the internet advise to record the phone calls you have with them online. Today XX/XX/XXXX 2015 and I attempted to speak to Navient about my loan but NOT A SINGLE PERSON was willing to speak to me with the conversation being recorded and on top of that after inquiring why the representative was extremely rude and told me that she would hang up on me. Not even the account manager or higher ups were willing to speak to me under the condition of their voice being recorded. All I want to do is to be able to set up an affordable payment plan with this company but it seems that they are unwilling to work with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom It May Concern, This letter is to inform of misconduct and poor business practice on the part of our mortgage company, Caliber Home Loans. 
Three years ago, new to the area, we chose Caliber as our mortgage company on the advice of our realtor. At the time they had an office locally where we could have any questions resolved without incident. Our checks were due on the first of the month but not considered late until the XXXX of the month. In XXXX 2016, we received word that Caliber Home Loans was incorporated and we were to hence forth send our checks to XXXX Texas. The local office was closed. 
On XXXX, XXXX 2016, I received a call from a representative of Caliber stating my check had not arrived. 
While on the phone line I reviewed my internet checking and discovered the check had indeed arrived at the post office in XXXX on XX/XX/XXXX. 
The man assured me they had not received it and ask me to stop payment on the check and wire their payment. 
I drove straight to XXXX XXXX XXXX XXXX XXXX ( FCU ) and requested a stop payment on my check. 
While in line at the FCU to wire the funds I checked my Caliber account on my phone and lo and behold the check had been received. 
I immediately returned to the bank officer and cancelled the stop payment and returned home and called Caliber to inquire about the payment. They confirmed receiving the check. 
Two days later Caliber called back and stated they had not received my check. 
I explained in detail what had occurred and they at first suggested the check had insufficient funds and then after heated discussion suggested the check was a " stop payment. '' I contacted my XXXX and they assured me no one had ever attempted to deposit my check. 
I again contacted Caliber demanding to speak to a manager and expressed concerns about the company 's accounting practices endangering our credit rating. 
She was very rude, offering to email me a link to XXXX. I suggested that perhaps she needed the credit counseling. 
She finally informed me that even though they had never submitted the check for payment it had ( inadvertently I assume ) been stamped " stop payment '' and they would require another check and assured me my original check would be returned to me ( it never was ). 
She also assured me the incident would not be reflected on our credit. 
I complied and sent another check for my XX/XX/XXXX payment and the next day sent our XX/XX/XXXX payment early to avoid repeat confusion. 
Last week we received word from a credit agency that our credit rating ( both in the XXXX 's ) was compromised by a complaint from Caliber Home Loans. 

I urge you to investigate Caliber 's business practice and chastise them for their wanton disregard of their customers and insist on having our credit rating restored to its former state. 
Yours Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation