milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced Recovery Company has posted a fraudulent debt that has affected my credit. I contacted the company after monitoring my credit score. Upon speaking with a representative I was informed that I had an outstanding debt with XXXX XXXX XXXX from the year 2011 that they were now in charge of collecting. Before I paid I decided to call XXXX XXXX. They informed me that I never had any such debt and that I was, in fact, not a customer during this year. I three way called the collection agency with the XXXX XXXX representative. They transferred my call 5 times before hanging up on me. I called the company back and explained that XXXX XXXX had never issued any collection information to them. They insisted that there was a debt. I again contacted XXXX XXXX cable to obtain records showing that I never owed any such debt. I called Enhanced Recovery Company again and was told they would still collect debt even with documentation from XXXX XXXX XXXX stating that I never owed the debt in the first place. I am at an ends as to what my options are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Capital One Bank- In earlyXX/XX/XXXX I wanted to pay balance on my card as I do every month. I called the bank but was put on hold for 2 hours. I also emailed the bank. But received no reply. Concerned that if the card was lost or stolen I would not be able to notify Capital One I decided to close the account. 
After several days of calling I finally reached a live person & closed the account. 
OnXX/XX/XXXX I sent a check for the balance. On XX/XX/XXXX I received a statement for the balance plus interest. I called my bank & was told the check had not cleared. 
I called Capital one & ask to be connected to Fraud Division. The 1st person I spoke to disconnected me. I called back twice & was put on indefinite hold. 

I believe Capital One is holding my check in order to keep the account open & collect additional interest payments. 
I am a Senior Citizen with health issues. Capital One is causing me additional stress which is affecting my health.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Mortgage (Conventional fixed mortgage) with Home Loan Center, Inc. (FL).
Issue: Application, originator, mortgage broker

Complaint: I have been contacted by several financial institutions offering to refinance my mortgage. The representatives told me that they got my information from XXXX XXXX. I did not submit any application for refinancing anywhere. I think that XXXX XXXX gave my personal info to all the financial institutions offing refinancing, because I am being bombarded with e-mail from XXXX, Quicken Loans etc. I want them to stop contacting me and XXXX XXXX to remove my personal information from their scummy database. I did not give them permission to check my credit score or any other information that they seem to get somewhere on line and distributed without my consent to other financial information. I want XXXX XXXX to remove my personal information from their website immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I am submitting a compliant. I have been at my resident for about 20years and is still being accused of owing you way over the amount due. I am requesting that I be cleared from this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Medical debt) with N.A.R., Inc. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a health provider who filed a claim with my insurance company, who in return paid for a percentage of the original bill. The Explanation of Benefits from my Health insurance company showed that I was covered 100 % for the bill, and that I did not owe any amount to the provider. However, the health provider still sent me a bill for the balance of the original total, less the amount paid by the insurance company. The Health provider subsequently sent the debt to a collection agency, who immediately reported it to the credit agencies, XXXX XXXX and XXXX. I have since written letters to both the Health provider and the collection company explaining to them why I do not owe any amount for this bill, and provided them with a copy of my EOB from the insurance company. I have not received a response from either the Health Provider, or the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: This a new credit card. A charge of {$220.00} was due and unpaid on XX/XX/XXXX. On the next ( XX/XX/XXXX ) statement, a {$27.00} fee was charged plus {$5.00} in interest, which together with the previous balance and new charges reflected that payment in full of {$800.00} was due on XX/XX/XXXX. One week before the due date, I called the credit card company, confirmed that the total due on XX/XX/XXXX including all interest and fees was {$800.00}, and authorized ACH payment from my checking account. Pursuant to the statement, that should have resulted in a XXXX balance. On XX/XX/XXXX ( after the billing cutoff for the prior month ), I charged XXXX in purchases. On my next ( XX/XX/XXXX ) statement, in addition to that purchase, interest was again charged in the amount of {$6.00} ( more than the one month of interest that was already paid ). When I sought an explanation from the credit card company, '' XXXX '' told me that this was interest going back to XX/XX/XXXX. Because the credit card company refused to acknowledge any error and presumably consistently applies this fraudulent practice, I have cancelled the card and paid {$26.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/23/2016 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: We have a client in distress we have submitted XXXX offers to the bank we call in every week to check on the status the negotiators " are n't available '' we get have answers and are not properly informed of what is needed on the file. Everytime we send in a document the have XXXX days to review the document and if they need something further they mail the request to an empty house instead of reaching out to the attorney and individual in our office handling the file or heaven forbid telling our office what they need when we call in. We have lost XXXX buyers and about to lose a XXXX buyer because of delays and lack of ability for SPS to move forward appropriately and work with us on getting this file completed. They have no concern for the homeowner and not desire to work with the seller in getting this completed. They wo n't fax a request, call us or email us. They send their request to an empty house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I submitted all necessary documents for a forbearance/deferment to be processed for my student loans, instead of processing paperwork someone in my borrowers office sent my paperwork to the Dept of Ed for default status, ( they did this behind my back even after telling me all my documentation had been submitted on time and they reassured me my loan would not be defaulted, ) I was told by the Dept. of Ed to contact my service provider to have them recall the loan but when I tried to contact them repeatedly I was stonewalled told a supervisor was reviewing my request but, there was not going to be an issue with them recalling the loan, then after calling repeatedly calling the Dept. of Ed. I found out they had turned my loan over to a collection agency unbeknownst to me, I immediately attempted to get a resolution, I am still waiting, I feel I Am the victim of predatory lending not only from the financial institution but, the Dept. of Education, To add insult to injury it has been 10 I repeat 10 years since I graduated and I am working XXXX part time retail jobs barely making ends meet, I am not even working in a position of my field of study. Now I have this over my head? Because someone in the XXXX Office turned my paperwork over with little regard to the consequences it would bring. I can not even further my education because of this. And my life is at a stand still until I can get this resolved. The entire time I have had this loan I have made sure it was on deferment until now, because of the irresponsibility of one or more people working in collusion. I always did that because I could not afford the payment and I did not want to have an adverse stain on my credit report and I always intended to pay it off someday. I still strive to get to an employment position that will allow me to satisfy my financial obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We have been struggling with Caliber Home Loans since XXXX XXXX to correcting errors in our account. Prior to XXXX XXXX, XXXX our loan servicer was XXXX. They made numerous mistakes during the period of XXXX XXXX to XXXX XXXX, XXXX. During this time period we were not only current but paid through XXXX with {$500.00} in our account for XXXX 's payment. Caliber told us that our account was behind. It took quite awhile for Caliber to research it and then we were told that XXXX had made some mistakes. We struggled with XXXX to get our records to pinpoint where the problem was located in our account. 
XXXX repeatedly told us that we needed to work with Caliber because they were the servicer. In a letter dated XXXX XXXX, XXXX, from XXXX XXXX, Vice President, Customer Service, Caliber Home Loans, she states : " Furthermore your allegations are regarding the previous servicer and not Caliber. Please be advised Caliber is unable to confirm any actions or provide any answers in regards to the previous servicer as we are not affiliated with them. In order to have these concerns adequately addressed, you should contact your prior servicer directly. '' The previous servicer ( XXXX ) is refusing to address the issue. Today I spoke with XXXX XXXX at XXXX and she informed me that they had an agreement with you to resolve any issues or complaints or misappropriation of our funds. So I spoke with XXXX ( XXXX ) at Caliber who immediately realized that the problem needed to be addressed by a manager. After waiting for quite some time XXXX ( XXXX ) took my call. She was not especially helpful. She said there is an open complaint and it would take an additional 30 days to " research ''. I let her know that this is unacceptable because we have been waiting for a response since XXXX XXXX that will resolve our issues. She balked at sending us copies of our monthly statements and financial payment history. I requested the records because Caliber has assessed fees and late charges that she says do not exist but I see them on the copies of the statements that I have. She also refused to do a follow up phone call or email to keep us updated on how the research is progressing. She said that Caliber is unable to speak by phone between the research department and customer service. Customer service is also not allowed to phone customers or email them. This does n't seem like customer service to me. XXXX is telling us that we have a single point of contact at Caliber when this XXXX XXXX has never spoken to us nor returned our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX I responded to a XXXX vacation rental listing XXXX # XXXX XXXX for a townhouse located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, FL asking if this property was available for rent for XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX responded by email indicating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL was available for rent for the XX/XX/XXXX period for a monthly rental of {$2000.00} plus a {$500.00} security deposit and a {$250.00} cleaning fee. Payment of these funds was to be made via bank deposit, XXXX or XXXX. 

On XX/XX/XXXX, XXXX XXXX emailed to me a rental agreement form and instructions for the transfer of funds. Funds were to be transferred to a Bank of America account of XXXX XXXX wife - XXXX XXXX. The account # is XXXX and the routing # is XXXX. The bank is located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. 

On XX/XX/XXXX, I completed and signed the rental agreement and faxed it back to XXXX XXXX XXXX XXXX # XXXX ) and transferred {$2700.00} to XXXX XXXX XXXX wife 's bank account, On XX/XX/XXXX, XXXX XXXX confirmed via text, the receipt of the full amount of {$2700.00}. 

I became concerned about internet scams involving vacation rentals and on XX/XX/XXXX I was able to retrieve from the XXXX XXXX Florida public data base a copy of the Warranty Deed for XXXX XXXX. The Warranty Deed indicated that XXXX XXXX XXXX is not the owner of XXXX XXXX and therefore has fraudulently listed this property for rent. 
Subsequently, I spoke directly with the property owner and he confirms that his property is not available for rent. 

I have telephone, emailed and texted XXXX XXXX indicating that I wished to cancel the rental reservation and requested that my deposit money be returned. XXXX XXXX has not responded to repeated attempts to contact him nor has the deposit money been returned. 

Bank of America confirms that XXXX XXXX XXXX bank account has been closed and after contacting XXXX XXXX they indicate that XXXX refuses to authorize the transfer ofdeposit funds back to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Since my student loan accounts have been taken care of by Navient, every time I have tried to get on some sort of repayment plan based on income, they have pushed me towards forbearance or deferment. Because of this my loans have racked up a lot of intrest.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX acting on behalf of one of my investors, Citigroup Mortgage Loan Trust, has violated the Fair Review Process requiring servicers to review and respond to a request for modification within 30 days. Originally I submitted a compliant because XXXX XXXX XXXX moved forward with foreclosure procedures after receiving a full file submission XX/XX/XXXX. The day after filing their response to the CFPB compliant I was decline a modification on or about XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX decided to review my case again for possible modification and requested updated documentation, which was sent on XXXX XXXX via email, which they never responded to confirm receipt of documents, which is required. At that time I was told that now I qualified to be reviewed for HAMP and that 's why they were requesting additional documentation. On or about XX/XX/XXXX I called and confirmed the documents were received and submitted to underwriting for review. On XX/XX/XXXX, I called to check the status of the review and if my foreclosure sale scheduled for XX/XX/XXXX was postponed. I was told that they would not make that decision until XX/XX/XXXX. I then called on XX/XX/XXXX and the sale was still not postponed. When I followed up on XX/XX/XXXX I was told that the sale had been postponed to XX/XX/XXXX. On XX/XX/XXXX I called to follow up on the status of my review and was told my request for modification was declined on XX/XX/XXXX and a decline letter was sent out on that day. It took XXXX XXXX XXXX 40 days for them to review my request and I had to contact them to find out I was declined. Since I filed my first CFPB compliant the phone calls from my relationship manager ceased. 
For the XX/XX/XXXX decline I was told it was because I did n't meet the NPV guidelines. For the second decline I was told because I declined a HAMP modification in XX/XX/XXXX. However, upon review of the HAMP guidelines, I still meet eligibility to be reviewed again for HAMP. I did not default on the HAMP Trail by completing all three required payments and HAMP mod was not completed. There is not rule against declining the modification, which would have raised my monthly payment and set my interest rate higher than my current rate after 5 years. 
XXXX XXXX XXXX has continued to lie to me, provide false and conflicting information and violated CFPB rules in regards to borrowers who are facing foreclosure. Due to this I am looking at filing a Chapter XXXX bankruptcy to save my house.

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 01/24/2017 about Debt collection (Credit card) with Alliance Data Card Services (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I made payment arrangements with XXXX to help resolve debts instead they took my personal information and still filed a lawsuit against me. One of the credit cards were n't part of my debt because the card has been stolen and I am to pay it forwarf.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The case against me was discharged by a judge. I was instructed to have my Credit Report updated with the new information and the debt collecting company continues to dispute a court ordered dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (VA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom It May Concern I am getting jerked around by Sun West Mortage Company. 

What happened is when I first set up my automatic payment I wanted to make a {$1000.00} dollar payment each month. It would cover the payment and anything else was to go to principal. 
Sun West Mortgage Company decided to raise my monthly payment from {$890.00} to {$930.00} That was no problem since I was paying a XXXX dollars per month or so I thought. Turns out they added the {$100.00} the {$930.00} equaled {$1000.00}. It was {$39.00} more than I requested to be taken out. 
Subsequently, I did not have the extra {$39.00} but I did have over {$1000.00} dollars in the account. They said I had insufficient funds so they docked me {$15.00}. I know it does not sound like much but they threatened me with a bad credit score if I did not pay up immediately. I tried to call them over a half dozen times and one day in particular I was disconnected three times and that really chapped my hide. 
Sincerest regards 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 03/22/2016 about Debt collection (Medical) with Med-1 Solutions, LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Med-1 Solutions made demand for ( {$87.00} ) the hospital debt which is not correct. I send register letters to the Med-1 on XXXX/XXXX/2015 and XXXX/XXXX/2015 asking to validate the debt.Did not have respond, and damage to my credit makes me to pay highest interest on my commercial XXXX loan.My damage is over {$10000.00} due to the highest interest I pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Settlement process and costs

Complaint: I went through a non-gov't loan modification with Wells Fargo in 2009 when I was laid off due to reduction in force. I ended up paying more and they took 2 years off the beginning mortgage and added 4 years to the back while increasing my interest rate. I do not recall anyone saying my interest rate would change. Also, they are reporting me to the credit bureaus as late payments although I have n't been late in over 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Account : XXXX XXXX XXXX account number # XXXX was transferred to XXXX XXXX XXXX after the bank failed and closed. XXXX XXXX XXXX, is no longer in business, however, XXXX XXXX XXXX keeps reporting this account even though the account clearly shows account closed/transferred. This type of double reporting has caused my credit score to nose dive, and I am NOT able to get any form of credit. I have tried to have Experian, correct and deleted all entries to this account. They have refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation