milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2016 about Debt collection (Federal student loan) with Windham Professionals, Inc. (MS).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was incarcerated for 4 years and once I was released I tried to set up a payment plan but was told that i could not and would be sued, wages garnished etc. 
When they would call, my mother told them that I was in jail and tried to make arrangements to make payments for me but they could not give her any 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 non-monetary relief
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called  XXXX  twice on  XXXX / XXXX /17 regarding inquiries that should not be on my report. The first gentleman that I spoke to would not allow me to speak and I could barely understand him due to the language barrier. I requested to speak to a supervisor and he discod the line on me.
<P/>
The following inquiries should not be listed.
  XXXX   XXXX    XXXX , PA  XXXX   XXXX / XXXX /17   XXXX   XXXX    XXXX  , NJ  XXXX  which is also showing twice within 30 days.  XX/XX/XXXX  and  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: PRIOR TO SIGNING AGREEMENT REQUESTED A FAMILY MEMBER NEEDED TO SUMMIT AGREEMENT WITH RENT .APPROVED LOAN WITHOUT ADDRESSING OUR FAMILY INCOME FOR BENEFITS FROM DISTRICT OF COLUMBIA FOR XXXX AS WELL AS XXXX SPOUSE.NONCOMPLIANCE WITH ASSISTANCE ADDRESSING CONCERNS FOR GRANTS ELIGIBLE FOR.PURCHASED LOAN FROM XXXX WITH VERY HIGH ADJUSTABLE RATES.NONCOMPLIANCE ASSISTANCE FOR HOMEOWNERS ASSOCIATION FOR TAX CREDITS.XXXX WAS LAST EMPLOYER.SECTION CONCERING XXXX. NEGATIVE REPORTING REQUESTED COMPLETION WITH ANOTHER MODIFICATION ONLY TO TRANSFER TO ANOTHER LENDER. WHICH WAITING WAS TOLD NOT TO MAKE PAYMENTS ONLY TO CONTINUE WITH ADDITIONAL LATE FEES ETC.

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 09/27/2017 about Debt collection (Medical debt) with Io, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX 2017 I received a phone call from a debt collector indicating that I have an outstanding balance from a medical service. I asked for them to send a notice of the debt and where it came from but I never received it. I have no knowledge of this debt therefore, I want this removed from my credit report immediately.

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 12/20/2017 about Debt collection (Other debt) with Solomon and Solomon, P.C. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Solomon & Solomon are attempting to collect a debt in which I 've asked for documents that I still have not received. I 've asked for them to show me that they are licensed in my state to collect a debt. I 've also asked them to send me documentation that shows that I owe them for the debt they allege that I owe to them even though I have never done business with them. I 've asked for them to send me the assignment of the debt to prove that they are the ones to pay any debt they claim I owe. I want to see payment history on this account to prove that the amount they say I owe is correct. I have not received this to this day even though these are my rights according to the FDCPA.

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 01/27/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: The lender was provided a loan modification package on XX/XX/XXXX- was advised on XX/XX/XXXX that they received the package on XXXX and XXXX SPOC XXXX was reviewing the file - then on XX/XX/XXXX we were rudely hung up on when the rep XXXX advised that they did not have our 3rd party auth - called back and spoke to XXXX and he was able to locate the authorization, but then advised a new package was needed due to a delay in documents - which we were never advised were needed. The lender has missed deadlines due to the lack of review on this file and now the client is facing a sale date of XXXX/XXXX/XXXX because the lender did not review the file in a timely manor.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit card or prepaid card (General-purpose prepaid card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Unexpected or other fees

Complaint: On  XXXX   XXXX , I made a    XXXX   XXXX    payment of {$68.00}. {$58.00} of that was to be applied to my  Capital One  Credit Card. To date, the money has still not been applied to my credit card and I want it applied.     I then rented a car from  XXXX  on Thursday,  XXXX   XXXX ,   XXXX  . I was informed that a deposit would be needed of {$66.00} because it was a premium vehicle. I agreed and my pending charges were {$390.00} which included the {$66.00} plus the amount of the rental of {$330.00}.  XXXX  was paid the {$330.00}, however, there remains a pending balance on my  Capital One card of { $66.00}. When I spoke to  XXXX , they informed me that they had removed the pending transactions and had been paid {$330.00} and was not keeping the refund ; however,  Capital One  states that  XXXX  needs to release the money.     I just want my {$58.00} added to my Cap ital One  card because it was a payment made through  XXXX   XXXX  to be applied to my card and I just want my refund returned to me of {$66.00} by  XXXX  or Capita l One but I  want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Requested debt validation for account listed on report, I noticed that it's not 100 percent accurate regarding pay history, under the fcra sec 623 all data reporting must be accurate, complete and verifiable. The creditor and Experian have not provided verifiable proof on file used to validate the accuracy of all data reporting which is required by law upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Unexpected or other fees

Complaint: I authorized two charges on XX/XX/XXXX for Ethereum ( a cryptocurrency ), for {$500.00} and {$120.00}. On XX/XX/XXXX, those charges were made AGAIN to my account, without my authorization, and with no products delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: I have an Amazon.com Credit Card from Synchrony Bank. My payment was due by the XXXX of the month and I paid my bill online on the XXXX. As of today XXXX/XXXX/2015, I noticed my payment has not been posted yet and noticed that a Late Fee was charged to my account on the XXXX after I made the online payment yesterday. I called Synchrony Bank and asked WHY they are charging Late Fees on the exact same date as the due date and they said it 's just their company policy to do so and it should take up to XXXX hrs to process my payment and at that time, they can remove any late fees that were applied. I told them it 's not right to charge Late Fees on the exact same date as the Due Date and those fees should never be charged on the same date, but proper accounting practices should reflect late fees the day after the due date if payment is not received. I asked to speak to a supervisor who told me the same thing ... ( It 's their Policy ) and could not explain WHY they charge these fees on the same date as the due date. This is just a Class Action Law Suite waiting to happen. This is a Very Bad Policy and needs to be changed immediately. This can effect Finance Charges on these revolving consumer accounts and overcharge their customers in interest fees. Back Dating transaction and adding/removing fees is improper accounting and collection practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/28/2017 about Debt collection (Medical) with Kings Credit Services (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I sent a check to pay off the debt for about XXXX . The money was even cleared from my bank account shortly after I sent the check and I am still being charged. It 's only a {$32.00} debt, if I had n't already paid it then it would not be an issue. However I already took care of this payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Mortgage (Conventional home mortgage) with SN SERVICING CORPORATION (TX).
Issue: Struggling to pay mortgage

Complaint: I originated my loan last XXXX XXXX, XXXX from XXXX XXXX XXXX with 6 % interest rate at the time of the purchase of my homestead. Due to my difficulties I refinanced with XXXX XXXX XXXX XXXX ( merger of XXXX ) refinanced my loan home yet through long they claimed that the worth of my house was lower than what I owed. My motive of why I would like to refinance is to lower my monthly mortgage. XXXX had signed me note refinance with 7.370 % rate. 
XXXX XXXX XXXX XXXX, always misrepresenting their Company when they clearly stated that they were merger with XXXX and they confused me always to whom or who was holding my notes and to whom I have to communicate regarding for my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available at law by recouping the government Loan Modification benefits and incentives for homeowners like us and their mortgage servicing doesnt want to accept my request for Loan Modification. 
XXXX XXXX, XXXX, I had undergone medical operation. My health circumstances had affected our finances yet I continue to pay my monthly mortgage & dues of {$2000.00} to XXXX XXXX XXXX XXXX faithfully. I am denying allegation of XXXX XXXX XXXX XXXX  that I failed to remit payments as of XXXX, XXXX and after XXXX XXXX, XXXX which evidence of history payment from XXXX XXXX XXXX XXXX that I can enclose in the future. I had requested for the XXXXederal Governments Home Affordable Modification Program, that made available for home owners. I had already communicated and sent requirements to XXXX XXXX XXXX XXXX yet they did not consider my loan that was originated the Deed Of Trust on XXXX XXXX, XXXX and not after XXXX XXXX. XXXX XXXX XXXX XXXX have not dealt to me in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am a XXXX XXXX and my financial planning is based on the assumption that I will be eligible for PSLF after 10 years of repayments. 

I left one XXXX to start at another XXXX in the beginning of XX/XX/XXXX. My payment date for that month was XX/XX/XXXX, which happened to be the Sunday between my last day at the former job and my first day at the new job ( I worked Monday through Friday at the former job, kept that schedule at the new job, and took no break in between jobs ). 

XXXX XXXX told me that I was therefore unemployed at the date of my payment and that payment would not count towards my PSLF requirements. 

This is obnoxious and unethical. If I chose to make the payment a day later, it would have counted, so I am essentially being penalized for paying my payments on time. 

I could have simply wrote on my employment certification form that my last day of employment was that Sunday, even though I work Monday through Friday, and that would have been fine. But because I chose to be responsible and honest, I am being punished by an irresponsible and dishonest loan servicer with zero accountability to the public. 

Furthermore, to consider me " unemployed '' for not working during the weekend when I have been consistently employed full-time with NO gaps in my employment is pure nonsense. 

I have spoken to multiple people at XXXX about this issue and they have told me there is nothing they can do. According to them, this is my fault - I should have known that they would have considered me unemployed for not working on that Sunday, and rescheduled my payments accordingly. Evidently and counter-intuitively, making things easier for everyone involved by enrolling in automatic payments and paying my payments on time is frowned upon by the loan servicer. 

Any assistance with this issue would be greatly appreciated. The fact that XXXX gets away with this behavior and there is no way for the public to hold them accountable when they are the sole servicer appointed to handle PSLF is entirely unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech switched over their computer system in XXXX 2016, which caused account numbers to change and Ditech actually delayed cashing of checks used for mortgage payments. It took close to 5 months for Ditech to straighten this out. Ditech had my account ending in XXXX ( I have XXXX accounts ) as being paid more than 30 days late in XXXX 2016, despite the fact that I actually send my payment on time every month. I have proof of this. In XXXX 2016, Ditech was still trying to correct their error when they retroactively backed out my payment that was made 3 weeks earlier and put it in escrow, therefore throwing the account in default and in the collections department. I am now in the process of refinancing several mortgages and am having difficulty with this late payment showing up on my credit report. I actually disputed with the credit bureaus, but Ditech has so far refused to correct the erroneous late payment listed. This will cost me tens of thousands of dollars more due to high interest rates because of this error by Ditech. I filed several complaints with the Consumer Financial Bureau, so this situation is well documented.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I signed up for Citibank 's Citigold account via a promotional code ( XXXX ) in XXXX XXXX. The promotion was to to earn XXXX XXXX XXXX AAdvantage miles. I met all the requirements months ago, and yet the miles still have not been deposited into my account. I spoke with and messaged Citibank multiple times over the course of the past few months. Each step along the way, Citibank assured me that the promotion code was good, that I was eligible, confirmed that I had met all the requirements, and that I had met all the requirements in the time required ( i.e. before any deadlines ). NOW, they are refusing to honor the promotion and will not give me the XXXX miles. In addition, I recently received a letter from CItibank telling me the following : I recently received a letter from Citibank stating the following : " Our records indicate that your account was credited {$300.00} on XXXX XXXX, XXXX, for meeting the required terms and conditions for Promotion XXXX. There can only be XXXX promotional offer per customer. Since you have already been awarded a promotional incentive, you do not qualify to receive XXXX XXXX Miles for Promotion XXXX. '' However, I never signed up for promotion XXXX. In addition, I specifically opened a CitiGold checking account using the XXXX promotion code. So, I told Citibank to please go ahead and debit the {$300.00} out of my account, and deposit the XXXX XXXX miles into my XXXX XXXX account instead. However, they are refusing to even do that. They are saying that you have to be " targeted '' for any promotion, even though that is not what they told me previously when I spoke to them several times. Furthermore, I was never " targeted '' for the {$300.00} XXXX promotion, so this goes in direct opposition of what they claim. Finally, I spoke with them MULTIPLE times and they verified that I was eligible and had met all the requirements and that the points would be credited to my account within a few weeks. Now, they are changing their minds.

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 02/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There is a paid collection from 2012 that i had an agreement with creditor to remove after final payment which never happened i faxed copies to all XXXX credit bureaus, they all deleted this collection from my file, transunion was the only agency to re add the collection back on my file after the investigation and deletion further dropping my credit score.

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 06-01-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to work with Ocwen for XXXX years now on keeping home after a job loss, bankruprtcy and a Loan Modification process which included XXXX trial payments made by us with Ocwen implying they would grant us a Modifiation, we filled out final paper work for a modification and then Ocwen proceeded to cancel it without notice despite the fact that we followed through on our end and they are now implying that they are proceeding with foreclosure process. We have had numerous certified letters returned to us as undeliverable even though we mailed them to address given to us directly by ocwen. we have had telephone conversations with their " agents '' who promise a solution us long as we continue making our payments and these " promises ' are turning out to be just spoon feeding us that thee is a solution. We were told they would give us a loan modification only to then be told that due to some technical difficulty it was cancelled and we were never notified of it? Who does business like this? We have stopped trying to deal with them by phone because it becomes he said, she said. We have been doing every thing by certified mail and keeping documentation of such. No one at that company seems to know what the other person at that company if doing. We receive numerous correspondence from them that come after letters that tell us one thing only to be told something else. they are impossible to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid {$3600.00} towards a credit card ; in which my ex-wife had in her possession, charged to the limit and stopped paying. The cashier 's check is dated for : XXXX XXXX, XXXX. This account was awarded to her in the divorce, however, she did not take the judgement serious. Because the card was in my name, of course I had to make good by it. 

Once this account was paid in full, not too long after ; the account was removed from all XXXX credit reporting agencies. In looking at my XXXX report dated : XXXX XXXX, XXXX ; Portfolio Recovery Associates added this account back on my XXXX credit report on XXXX XXXX, XXXX ; it states it is paid ; but it is still affecting me. Also as of : XXXX XXXX ; the 7-year diary has been reached and this account should not be on any of my credit reports. 

I have contacted Portfolio via email on : Twice, disputing their letter written to me on XXXX XXXX, XXXX. Both emails are dated : XXXX XXXX, XXXX, I also sent the emails to them by regular mail. I have not heard back from them, nor have I heard back from XXXX, in which I mailed them a letter on : XXXX XXXX, XXXX ; disputing this same account and asking why, once the account was removed, how did it get added back on my credit report???? I disputed the fact that they have this account on XXXX, stating it is paid, but they are refusing to remove it. It is not legal for a company to remove an account off of a report and then because they feel like it, add it back on ; without my knowledge and even after it was paid in full. Please help me with this issue. I want this account removed ASAP,

Company response to consumer: Closed with explanation