milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was staying at XXXX XXXX XXXX I had paid off everything the apartment was clean and left with no garbage or no damage. I spoke to XXXX asking her proof of damage that was claim that was left in the apartment she said she do not keep these information the collection company has it when I spoke to someone about this they sent me a bunch of paper with picture how can admit to anything when there is no substantial proof I even offer to pay the last month rent to settle they denied it

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax is double reporting things on my report

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: The first and most prevalent situation being the financial, I secured two different student loans totaling {$74000.00} through Sallie Mae, then consolidated them in XXXX to begin repayment. Over the years the loans were consolidated and that consolidated loan was transferred to XXXX  XXXX. During the life of this loan I have made 187 full and partial payments averaging {$620.00} per payment for a total of {$110000.00} paid toward principal and interest on the loan. There have been times that I have deferred payments through XXXX Forbearance option, for an estimated total of 25 months out of the past 209 months. 
A side note, Navient is currently being sued by the States Attorney Generals of Washington and Illinois for predatory lending practices and over use of the Forbearance option which is vastly more expensive for the consumer as compared to other available options for payment allowances. Navients preferred use of the Forbearance is predatory and overwhelming slanted toward enriching Navient. 
This loan is compounded daily at 8.25 % interest, during the forbearance periods that I utilized, the interest is capitalized thus increasing the principal balance at a rapid rate. Meanwhile, at no time does Navient provide monthly statements itemizing the principal balance, capitalized interest added or the new balance amount, thus leaving the consumer virtually unaware of the compounding affect of forbearance on their overall position with Navient. The total capitalized interest as per Navient records during times of Forbearance totaled to {$28000.00}, meanwhile the current principal balance has increased from the {$74000.00} to a new total of {$83000.00}, despite 187 payments totaling {$110000.00}. 
I am not a forensic accountant but I do have a better than common understanding of accrued interest and debt service. these numbers combined with Navients failure or refusal to produce monthly statements itemizing totals and balances, lends me to suspect outright fraud. Navient will only produce documentation pertaining to payment history and capitalized interest ; there is no record of past or new balances on a monthly or even annual basis. If, for lack of any other choices, I continue to pay off this loan through full amortization I will have been required to pay $ 750+ per  month for a total of {$270000.00} ending year XXXX, for an original {$74000.00}, I will be XXXX years old. If this is the price for bettering yourself, what is the point?

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: For over 6 months we were trying to get answers as to why so much money {$1500.00} was going into our escrow account. It exceeded our yearly payments by {$5800.00}. At XXXX point our escrow balance was over {$12000.00}, with XXXX continuing to be added each month, our yearly payments from escrow are {$13000.00}. We asked for an escrow analysis and never received XXXX, never received calls back and would never get any answers to any questions when we called etc.. We also believe we were over charged a number of times with PMI , it was taken out XXXX in XXXX of 2015 at {$240.00} each when PMI is supposed to be paid XXXX a month. We do n't have much paperwork because any time we requested it, it is not sent or is sent missing information. Our mortgage was raised to a large amount a month {$3100.00} and no one could explain why. We believe Ocwen Loan Servicing , LLC broke laws in regards to escrow and has stolen money from us by overcharging PMI and taking our money within the escrow account. Once we really started calling daily we were sold to a new company, XXXX. However when we received our escrow closing statement it only included two months in it, not all 12 months like it should have. On the closing statement it shows the PMI being taken out XXXX in XXXX month ( XXXX ), who knows how many other months this has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: This complaint is regarding the IRS and Equifax and the fact that a no-bid contract was awarded to Equifax by the IRS to perform fraud-prevention services, essentially rewarding Equifax despite their recent and highly public display of gross negligence in protecting consumer data. XXXX and XXXX both offer fraud-prevention services ; Equifax should have been eliminated from consideration. There is no platform for American consumers to voice their outrage over this contract being awarded to Equifax. 

It is my hope that as an honorable, independent institution, the CFPB can and will address this outrage and demand that the contract with Equifax be voided, on behalf of powerless consumers across the United States. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with AQUA FINANCE, INC. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: The company contacted my family member, who 's phone number was never provided to them, divulging the details of the past due balance of {$180.00} on my account. This is a bill that has a monthly payment and I have asked them repeatedly not to contact me. They do not maintain accurate records on their website, which I have requested on several occasions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This unknown caller calls several times a day, and harasses me on the phone, and ask very personal questions. I need these calls to stop. The company is Midland Funding LLC account # XXXX for a credit card for XXXX. There contact phone # is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2017 about Debt collection (Medical debt) with Unifin Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received several calls from Unifin during business hours while I was at my job, but never any voicemails. After receiving 5 calls on a XXXX afternoon from the same number, I called back and was greeted with " How may I direct your call? '' - I let them know that I had received several missed calls from this number and was calling back to see what it was in regards to. I was then directed to a gentleman by the name of XXXX XXXX who told me that I had just been put into collections for a hospital bill that  was over 5 years old. Long story short, ( over the course of a week ) I was told to call 4 different doctors offices and physicians groups to see where the unpaid debt had come from. I was under the impression that debt collectors had this information prior to contacting you, but because I was desperate to be taken out of collections, I called. After calling all 4 places, they all let me know that I was in good standing, and was never delinquent. I called XXXX back for 4 days where I was only able to leave messages. The following XXXX, I had called in again and had spoken to XXXX where he told me yet again to call another doctor to see where my debt had come from. I asked him why that number was n't provided to me originally? He put me on hold where another gentleman got on the line and let me know he was the manager. When I asked his name and the collections agency he and XXXX were with, there was silence on the other line. When I asked again, he very defensively let me know that he was just trying to help me settle my debt and that I was responsible to pay. I told him that I was happy to pay, but I needed to know this information. Again, silence on the other line. This went on for about 3 minutes before I began to get very nervous and started crying. Why are these people harassing me at work and then refusing to tell me who they are when I am trying to do right by my debts and pay them off? I hung up and called back into the main line, asked the man who picked up what the name of the company was. He told me Unifin and that was the only way I was able to find out who was calling me since the other Unifin employees refused to tell me any information. I ended up finding out that this information was false and I did not owe money for a medical debt. This is harassment and terrible business practice. Please beware and make sure to do your research if this company ever calls you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Other debt) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Basically, I used to have an active XXXX XXXX account with a credit card attached for billing purposes. When that credit card was rendered inactive due to being maxed out, I forgot about it multiple times and continued going through XXXX XXXX  toll lanes ( in NY state ), which led to outstanding toll violations and fines. 

Upon my own fault, I kept forgetting to settle the outstanding amount I owed XXXX XXXX. Because of that, XXXX XXXX rightfully referred my debt to Linebarger, Goggan, Blair, and Sampson. I then realized this had to be paid as soon as possible, so I contacted them to pay any outstanding debt. 

I 've already paid several hundred dollars for debt that I owed from XXXX XXXX ( including fines attached ). However, here 's where it all started to go wrong. I was told more than once that I could " settle '' for less than the amount owed if I paid by a certain date, which I did. Upon calling back to confirm such payment has been settled, I was told that there was no record of a settlement and that I still owed more money ( with additional fines attached ). Credit card statements DID show that this collection agency charged the full amount discussed and was paid. At one point, I had several different customer services representatives on the phone, as well as a supervisor. They all gave me different amounts ranging from a total of {$50.00} to a total of over {$600.00} for the exact same debt violation ( s ). I became so confused at this point that I did n't know what I owed anymore, not to mention I was told on multiple occasions that a certain outstanding debt was still owed when I had paid it several weeks prior. 

I have been making multiple attempts to pay this agency the amount that I rightfully owe them, but it 's become impossible. I 've decided that it 's time to involve the CFPB since each and every individual that I 've spoken to has contradicted each other in regards to what has already been paid and what is still owed ( including the amount itself ). 

I have legitimate reason to believe that Linebarger, Goggan, Blair, and Sampson are intentionally using deceptive practices to defraud me as a target of their agency, and that they will continue to do so unless the CFPB becomes involved. I advise any and all individuals falling under the jurisdiction of Linebarger, Goggan, Blair, and Sampson to  notify the CFPB at the very first sign of potential fraudulent practices ( as opposed to making the same mistake that I did by delaying my opportunity to file a complaint ). I also advise individuals NOT to assume that any mistake regarding outstanding debt amounts on behalf of Linebarger, Goggan, Blair, and Sampson are accidental. I repeat, DO NOT assume that such mistakes are accidentally caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Credit card debt) with NAVY FEDERAL CREDIT UNION (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Some opened an account in My name Even though it was {$5.00} still Navy Federal Credit Union is asking Me to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, Experian and XXXX XXXX are ignoring my request to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 07/30/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (VT).
Issue: Taking out the loan or lease

Complaint: The Auto dealer at XXXX XXXX XXXX in Vermont asked me to finance with the bank rather than pay them directly on XXXX XXXX. I agreed intending to send a check immediately to pay off the balance. The financed amount included an additional warranty for {$930.00} that I cancelled the next morning. I was told the amount of the loan would not include that {$930.00}. However for 47 days I could not get any account number or information from GM financial or from the dealer. I did not receive a bill, could not sign up on the account website, and could not get the details I needed to pay off the loan. The dealer said GM financial could not open the loan account until we had VT drivers ' licences. That took us until XXXX XXXX before I had access to the GM loan details. By that time {$730.00} in additional finance charges had accrued, the {$930.00} had not be deducted and hours have been wasted on the phone to both GM financial and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: In XXXX of XXXX, I received a notice that I had paid my mortgage short for the XXXX XXXX statement. I sent in the remainder of the payment amount and upped my mortgage payments to cover the new higher amount. 

Today, while speaking to customer care about an amount due, I found out that my mortgage amount had actually gone up in XX/XX/XXXX ( XXXX XXXX statement ) and no one had told me. Speaking to customer care it became apparent that they were not sending me my e-statements or notices of said statements. They also did not send me my escrow analysis. 

The customer service agent was unable to find the statement I had paid short or explain why they were charging me an additional overage. They would not transfer me to a supervisor to discuss the issue. My statements prior to XX/XX/XXXX were unavailable online. Checking my email history ( including trash and spam ) I was only able to find one notice that they had ever sent regarding an e-statement online. Checking their electronic statement option, it did not have a disclosure that

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (OK).
Issue: Loan servicing, payments, escrow account

Complaint: Round-point is belling me for taxes .The Taxes was paid at the closing the people that I bot the house from pawed half and i payed half. now round-point is trying to bill me again for the taxes. They are giving me the run-a-round. I sent all the paperwork to them they still say I them the tax money. 
I will never do business with the again.

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 09/23/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: This issue pertains to Regions bank and their overdraft coverage policy. 

For the past 3 weeks I have been making countless calls and visiting the local branches to try and have this resolved. In doing that I found out a lot about Regions and their workings. 

This all started because I went out of town on business and had to use my debit card for the hotel stay. Because the hotel put a hold, it caused many transactions to overdraft. 

XX/XX/2014 I turned off all overdraft coverages and protections, to avoid any charges being taken. I do not agree with this overdraft coverage and do n't ever want this on any of my accounts because it 's a negative tool. 

When asking Regions representatives and officers how did this coverage get turned on my accounts, their words were " We do not have a way of finding out how it got turned on. '' To me that was strike XXXX, that your systems do n't have any indication. 

Secondly, they sent me on quite a bit of running around the city. As I visited the XXXX branch, they advised me I would need to see a next level advisor in another branch on XXXX XXXX XXXX, keeping in mind that is 30 min travel to that location. I promptly followed their suggestions, and upon arriving at this location, their representatives inform me, that the other branch had mis informed and XXXX XXXX Branch could not do anything either. 

Now I jump to their phone reps, upon going through numerous calls, which I have logged. As I ask the representatives how did this coverage get out on, he advised me that only customers and no Regions bank officer can change that. I have been told so many stories and seen with my own eyes that they do whatever they please with overdraft protection. I lost close to {$300.00} in fees because they do n't understand what 's going on and how this protection got placed. 

For Regions as a financial institution to do this is extremely unacceptable and I did some research and found out this is not the first time Regions does overdraft maneuvers that affect their clients.

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 monetary relief
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I contacted XXXX/resurgent To pay the XXXX that I owe for a XXXX account. I asked that if I would be able to have a pay to delete done and I was told no they would accept payment but this would still show negativity and would not remove from my credit. I just want to pay this have it completely removed from my credit and move on with my life

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SALE DATE SET FOR TUESDAY XX/XX/2017!!!!! 
A modification package was sent in on XX/XX/2017. Please see attached email confirming that information. The homeowner has a sale date set for XX/XX/2017. We have been contacting SLS on a weekly basis since that week. Each week they have asked for ONE thing. Homeowner has diligently complied with every request to the extent that a full narrative would not be productive. SLS is now stating they did not have the file 37 days prior to the sale date which is inaccurate. SLS is refusing to properly review the file and stated that they are foreclosing on the home. This complaint is being sent in for numerous reason. XXXX has been discriminated against based on his race, ethnicity, language and national origin. The number of times that we have spoken with SLS to check status of the file should extinguish any opportunity to excuse their behavior. 
The attitude from the employees and or managers in unacceptable. Furthermore, SLS does not know how to properly review the file. There is NO reason for this to be happening. The file made it to underwriting and they are STILL refusing to postpone the sale date. They are in violation of the CA homeowner bill of rights and are dual tracking. Today on XX/XX/2017 employee by the name of XXXX confirmed they are dual tracking. he stated " they are aware of California laws and are still foreclosing, '' Supervisor XXXX was informed of all issues and the fact that they had the file since XX/XX/2017, and refused to offer any assistance. The events described above are just a sample of the practices that are taking place with SLS. 
There are additional numerous issues. 
1 ) Failed to timely respond to loan modification applications ; ( 2 ) Failed to accurately inform what information was missing in order to process their loan modification application ; ( 3 ) Falsely stated the application was missing information that had already been provided on numerous occasions ; ( 4 ) Denied borrowers ' loan modification requests without an appropriate explanation ; and ( 5 ) Wrongfully threated foreclosure while a borrower 's application was still under review. 
We will be filing a complaint in district court if the sale date is NOT postponed.

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