milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Debt collection (Other debt) with Critical Resolution Mediation LLC (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received multiple calls from both a local number ( XXXX area code ) as well as calls from the XXXX area ( XXXX area code ). I have answered and spoken with the representative to request a cease of contact and have been still receiving calls. I have worked tirelessly over the past several years to satisfy all outstanding debts and collection accounts and have pulled my full credit report multiple times. The debt in question is posted on my credit report as " legally paid in full for less than original amount '' which should have ceased collection. I have notified the collection company " XXXX XXXX '' that the debt has been settled and to please stop calling me. Phone calls have been from XXXX and XXXX over the past 2 weeks. Even after telling them that the amount has been satisfied, they say I still owe over {$7000.00} for XXXX XXXX. Only remaining collections on my account are XXXX overdue bill and XXXX XXXX overdue bill ; both have been paid and satisfied.

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 06/17/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2017  I am not sure how this happened, I believe that I had made my payments to you when I received my statements.   XXXX  My insurance company was supposed to pay this because I was in an accident and it should have been on legal hold.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NorthStar Technologies (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I submited a Verification of Debt letter to all parties, XXXX and Equinox ( The Collection Agency ) that I do not owe XXXX or Equinox an alleged debt of {$9300.00} being reported ascac Charge Off Collection of a house that I legally and properly evacuated. In addition, I gave the XXXX XXXX XXXX a XXXX evacuation notice. 
The property management and I had worked out a payment schedule for the last month of rent that I owed, to be paid in {$100.00} installments until the debt was paid off. 
On the second month of me sending my payment, the XXXX returned by payment, unopened and send me strait to collections. 
I still have the original returned envelope and the money order ( See attached ) The Collection agency increased my debt from {$1400.00} to {$9300.00} and refuses to listen to me and take the collection of my credit report. 

Please help me. These companies have ruined my life! 

Thanks, 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 04/24/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My Private Student Loans were serviced by XXXX XXXX prior to the 2014 split into XXXX XXXX and Navient. I repeatedly asked XXXX XXXX representatives to be enrolled in the 12-month rate reduction program, and was supposed to be enrolled in the program in early in 2014. However, when I contacted XXXX XXXX after the 3 monthly payments were made the representative stated that I " was n't eligible for that program, but I can make 4 weekly payments instead ''. I have NEVER been able to coordinate the 12-month rate reduction program with either XXXX XXXX or Navient since early 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I found out today, XX/XX/XXXX, that Equifax may have leaked my social security number onto the internet. I used Equifax 's free tool to see if my social security number may have been affected, and their tool indicated that it may have been affected. I placed a Fraud Alert with all three of the agencies moments ago onXX/XX/XXXX. I attempted to retrieve a free copy of my annual credit report from all three companies today, but was unable to do so. As such, I am mailing in a manual request form to the three agencies to get a copy of my credit report from each of them. This manual request is being mailed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had an old dept. and a collection company bought the dept., I challenged them with a letter in accordance to fair credit Act which they had 30 days to respond under federal law and they had to remove it from my credit reports. They have not removed it and they have not responded. I tried contacting them but they are very rude and no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I 've been a c lient of Capital One for  over 5 years. On  XXXX   XXXX     2017  while checking in to a hotel both of my credit cards were declined. I ca lled Capital One customer service. They said there was nothing they can do at the present time and that I wo uld have to wait till the morning for another department to open. I told the cu stomer support representative that I was in the middle of nowhere and was trying to check into a hotel. I was forced to sleep in my car. The next morning I called customer service and spoke to someone at the executive d epartment. They told me that a letter was sent out on  XXXX   XXXX  and on  XXXX   XXXX  they closed my account. What major company does that t o Consumers and give them no fair warning they are closing their accounts. What if I was out of the country stuck with no money. This should not be legal for them to do this to me or any other client they have. There should be a class action lawsuit against them. I never missed a payment and over paid my monthly minimum payments. Sometimes I make double payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have made several attempts to do an open dispute online with Equifax and it will not let me I have updated my current information with Equifax and I know everything that is in my credit file but some reason it will not let me open a dispute this has been an ongoing process in the last month and I need to know why it will not let me do an online dispute. Some of the public information it presents to me does not have anything to do with me whatsoever so I am wondering if this could be identity theft something is just not right. I need to know what steps I need to take to resolve this matter with Equifax and get a free copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (Other type of mortgage) with Real Time Resolutions, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: This property was listed on  XXXX   XXXX ,    2016. There are 2 mortgages on this property. We received an approval from the first bank and they agreed to pay the second bank Real Time Resolutions {$6000.00}. Real Ti me Resolutions asked for the payoff letter from the first bank and then declined the offer and request an amount of {$22000.00}. After going through a divorce, which left me with sole financial responsibility for the property, I depleted my savings trying to maintain the payments for as long as I could. I was then forced to sell the property after being unable to make the payments. I was unaware that my home was in an area that lost so much value. I never expected to sell at a loss since I had already depleted all of my savings. The home is in need of repairs however I currently have a buyer, that was approved by the first lien holder.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: At the beginning of XXXX, 2017, I emailed fedloan requesting a payoff for a direct parent plus loan as I needed to pay off the loan in order to close on a mortgage. I did not receive a response. I called to request the amount one week later. No response. I called the third week in XXXX and finally received the payoff amount of {$3000.00}. I brought this amount to the closing table with the loan payoff details. I verified with closing agent the check was sent overnight. Fedloan did not put the money toward the payoff. I called in XXXX and was told a request would be sent reapply the amount to payoff the direct parent plus loan. In XXXX I called again to request the amount be applied to pay off the parent plus loan. I was first told it should have already been done and would now only take @ 24-48 hours. I then asked who regulated fedloan and was sent to a supervisor. The supervisor stated it would take 7-15 days. All communication for requests could only be sent via email. No one could talk to those that process the requests. During this whole time I monitored my fedloan page for any upcoming payments. Balance was always XXXX. XXXX 2017 would have been my first month coming out of grace period. It has been my experience in the past if I made a large payment over what was due the balance was always XXXX. Now that the payment has finally been processed to pay off the parent plus loan my fedloan page is stating I am past due on payments. States I have not made a payment since XXXX 2017. I made a payment of {$420.00} XX/XX/XXXX. Now it states I am late and have a past due amount of {$930.00} yet still have a XXXX balance due for XXXX. It seems to me this fedloan unethically tries to take advantage of me by putting my payments where ever is the best interest for it 's bottom line. I feel as if I am at a disadvantage and am vulnerable to a loan shark. It took months to resolve this issue and now they are hitting me with past due interest for retaliation for me paying off the parent plus loan. I have always paid off education loans quicker than the designated time frame. My payoff history shows the proof. Now, looking back in my fedloan inbox I see a response stating the payoff was insufficient and my repayment terms have changed. It seems my statement that I would file a formal complaint to who ever regulates them changed their mind and they applied the pay off to the parent plus loan. Now, they have added unrealistic additional interest charges. American students of higher education beware of fedlaon!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been in contact with Experian on several occasions about an entry that I noticed that was listed on my credit file that was not mine, which was reported by a company by the name of XXXX, Account number XXXX. I have also contacted XXXX XXXX requesting proof baring my signature and a copy of a contractual agreement that I had with them to proof that this account was mine. I contacted both entities through the USPS certified return receipt, and I have proof that a party representing their agency signed for the letter that I sent to them. To this day, both XXXX XXXX and Experian have yet to provide me valid proof as required and mandated by the FDCRA, and are both in violation of the FDCRA. Both Experian and XXXX XXXX are reporting fraudulent information on my credit file attached to my social security number, which will hinder me from getting credit approvals from various financial sources, in the future, if this fraudulent information is left on my credit file. I am demanding that the fraudulent entry of XXXX be removed immediately from my credit file, seeing that both entities have surpassed it 's 30 day allowable timely response deadline as allowed by the FDCRA, and can not supply any valid proof that this account is mine, because I have never had an account with 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 non-monetary relief
Consumer complaint received 02/19/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home in XXXX with a 1st and 2nd mortgage. Ocwen currently owns the servicing of both of my mortgages. My 1st mortgage was a XXXX Interest Only and now adjusts every 6 mos. My 2nd mortgage is a 30 due in 15 with an interest rate of XXXX %. Due to the housing market crash in XXXX, I was not able to refinance because I now owe more than my condo is worth. Since I pay my mortgage on time each month and not in default, I was told my 1st and 2nd mortgages could not be modified. Since I am not able to refinance due to my current value vs. what I owe and Ocwen is not willing to help, I am left in a situation to worry about the payment adjusting every month months, rates increasing and paying on a 2nd mortgage with high rate that will be due in 3 yrs,

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has been trying to collect on a bill that I have stated several times did not belong to me. I completed a fraud packet they sent me and mailed it back, I sent them a FTC fraud affadavit form showing and proving that the account did not belong to me. The account was deleted from all XXXX bureaus and recently it was added back on by a collection agency which got deleted again and now its back on my credit report under a different collection agency by the name of Jefferson Capital System LLC. This account does not belong to me and XXXX has recevied all documents showing and proving that I did not open this account. I have even sent a debt validation letter asking XXXX XXXX to send me the signed contract and any other documents they have proving that I opened the account and to this day I have not recevied a response from them.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: Equifax was hacked and I just learned of the potential impact to my credit. I have worked very hard to build out my life and current situation to be where it is. They are only offering free enrollment for their monitoring program but I find their delay in delivering information unacceptable and also the way in which someone could have a field day being me. The potential impact is my detailed information which is enough for some hacker to steal my identity with my birthdate, ss number, drivers license number and then some. This is completely unacceptable. I want them to be formally investigated for failure to secure personal data. I work for a bank where we would be fined and written up for such an incident. I hope that your team does what it was designed to do and goes after this. UNACCEPTABLE breach and honestly if I am a victim I will sue them to no end. It is their job to secure and protect themselves from this type of incident. 143 million people may be a victim. I am a hardworking American and I would sincerely expect you do to something on this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Rewards

Complaint: I signed up for the American Express Platinum card under a XXXX XXXX point offer that required {$3000.00} of spend in the first three months. After meeting the requirements for {$3000.00} in spend, I received the XXXX XXXX points on XXXX XXXX, 2016. I was initially frozen from using these points for one month, per AMEX policy. Once the month was done, I was able to transfer XXXX points to an AMEX partner, XXXX, through the AMEX XXXX website. However, upon logging into my account a week ago, American Express had taken back the XXXX points they had given per the terms of the credit card agreement. I have tried to reach out to American Express via both online chat and by telephone. Online chat directed me to call American Express directly, whom then told me that they would call with a resolution in 2-3 business days on XXXX. As the time has passed and I have not received a resolution to the missing XXXX points, I am writing the CFPB with the goal of being proactive in getting these points readded to my account. 

In the telephone call with the representative, he made a point to note how I received the {$200.00} airline reimbursement on my card ( a perk of the Platinum card- {$200.00} annual airline reimbursement ). I told him that I applied online through the AMEX website and selected XXXX as my partner. I have seen reports online that the reimbursement on these cards has triggered a pullback of the XXXX XXXX points ; this may have something to do with the error in the system. Regardless, I met the appropriate requirements for the card 's offer in question and now the XXXX points are missing from my account. 

To summarize, I met the requirements of the card 's offer I signed up for ( {$3000.00} spend in the first three months=XXXX XXXX points ). I was given the reward In XXXX and had the reward taken out of my account in XXXX, leaving me with a negative balance of XXXX points ( XXXX XXXX points ). There was no explanation for why the points were taken away from AMEX, even after repeated attempts to contact the company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Debt collection (Medical) with Bonneville Billing and Collections (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Had physical therapy at XXXX in XXXX and XXXX 2015. I entered into a payment arrangement with them although I paid my {$20.00} co-pay each time. My Blue Cross insurance has a {$750.00} deductible. XXXX XXXX contacted me several times with an amount of {$980.00} amount owed. I repeatedly told them I have a {$750.00} deductible and that can not be right. I asked them to check with Blue Cross. They refused every time. I contacted Blue Cross and was told that my deductible had been met and they should send the amount to them. I repeatedly told this to XXXX XXXX and Bonneville but they refused to listen or take action. They are demanding {$980.00}. 
My son ( XXXX years old ) also did physical therapy with them. They have been demanding {$660.00} from both me and him even though his {$750.00} deductible was more than met when he had surgery on his XXXX. The worst part is that my credit report shows a derogatory balance of both my son 's {$660.00} and my {$980.00}. First, I am not responsible for my son 's debt as he is over XXXX years old. It should not be on my credit report. Also, there should not be an amount owing for my son as his deductible was met and he paid his co-pay each time. I have contacted Blue Cross. They said I should not owe anything to XXXX XXXX Physical Therapy because I met my {$750.00} deductible also. Bonneville Collections has put XXXX things on my credit report that should not be there. It has hurt my ability to get credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I AM SEEKING A LOAN MODIFICATION. I HAVE FAXED FROM MY BRANCH OF THE BANK SEVERAL TIMES INFORMATION THEY HAVE REQUESTED. THE FAXED MATERIAL GOES THROUGH THE PROCESS AND IS ACCEPTED WITH NO PROBLEMS. THE MODIFICATION PROCESS PERSON TELLS ME THAT THEY DID NOT RECEIVE SOME OF THE IMPORTANT INFORMATION THAT WAS FAXED. THIS HAS HAPPENED TO ME SEVERAL TIMES, AND I HAVE FAXED SOME INFORMATION

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 05/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage if with XXXX. The servicer is XXXX. loan services. Our mortgage is in default but we have taken every step to rectify this mortgage. We no longer have any car payments, credit card balances or tuition payments. We only have our mortgage which we are trying to modify with SPS. They have to date given us no options even though our monthly gross income is over XXXX. Per the suit filed by the XXXX Treasury XXXX was to have programs available for homeowners such as us. They have never made the XXXX attempt to talk to us about our situation. 
We are asking for any assistance from you that would help us stay in our home. 

Thank you. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been pa ying {$360.00} a month for nearly 16 years ( roughly {$70000.00} ). My original principal in   XXXX   was {$23000.00}. Why is this loan not paid off three tim  es over?!! Navient say s its a 7 % interest student loan, but only 50 % of my payment is applied to the principle balance. I 've done the math over and over, I have an auto loan at 7 % and 85 % of my payment goes to principle. What kind of math are they using? This loan should have been paid off years ago. They are thieves! They wo n't give me any explanation ... they just show me where I signed their contract and they give me payment history, but never say why my loan balance is not decreasing at a 7 % rate. I 'm refusing to pay any more. Maybe they 'll talk to me if I do n't pay.

Company response to consumer: Closed with explanation