milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/24/2015 about Debt collection (I do not know) with ARVEST BANK GROUP, INC. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: my x wife was taking care of our finances and ran up credit cards in my name during our marriage. in which I did not know about. I ended up in court with law suits and wage garnishments. I ended up paying all off XX/XX/XXXX. the bank we banked at was one that held a credit card that I took to court to fight. I told the judge I did not sign anything and did not make the charges. sense I did not have an attorney due to they took all I had out of my account during court hearings and wage garnishments. I had no money to live on or for an attorney. I went for a week at a time with no food until I could sell things to get food. but I ended up still paiding off the credit cards as the court stated on time. I finally got the court to listen to me after several court hearings. the court awarded me a full refund plus damage charges for the bank to pay me. well I never have seen a penny of this settlement. but all stopped with anymore collection from the bank or credit card. now yesterday XX/XX/XXXX my work gets a call from someone stating they are a collection agency to collect the same depth from XX/XX/XXXX from the same bank and card. again they wanted my company to have me call them in the matter. I called this phone number and they told me I owed the money again on same mess as before. then they told me if I did not pay they would send some one to my work for me. I told them that is not legal and what they claimed I owe was settled in court in XX/XX/XXXX and to never call me or my company ever again. I got another call from them on my cell phone today XX/XX/XXXX with more threats. that if I did not settle with them then again they would confront me at my work. I tried to call them back again several more times with no answers. their phone number is XXXX after their way of messages and live calls I know they have to be a scammer. there is a whole lot more to tell but I will leave it for now with these people need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan modification,collection,foreclosure

Complaint: at this writing please be advised that I am a victim of predtorary lending and senior citizen explortation loan.   nationstar mortgage has not response to my qwr request law office of   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , il  XXXX  cae #  XXXX  is theating foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Trouble during payment process

Complaint: The company has changed hands three times and my escrow information is incorrect they have not gotten this straight and have harrssed and caused me to loss tenants and cause me extreme stress and my balance is incorrect. I have documents to prove it but can not get them to listen.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I did n't apply for these loans the o ugh Navient. The school filled out all of the papers and we were told to sign. They purposely defrauded the students.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Checking or savings account (Savings account) with CIT BANK, NATIONAL ASSOCIATION (UT).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Tried twice to open account online ; bank bounced it " for further review by an accou nt specialist '' bo th times.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Total Card, Inc. (SC).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I had some payments to be returned. Those fees etc were included in the payment when my payment that went through was made. I waited the 14 days as laid out in the agreement. When I called to find out what the situation was, the representative told me that there was a 30 day hold to the account as stated in the agreement. I asked her to show me where it stated that. She advised me that it was not there, but it was something we should just " know. ''

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Student loan (Federal student loan servicing) with GREAT LAKES (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: About XX/XX/XXXX I began working toward filing a request for an IDR plan with Great Lakes Borrower service. They had contacted me regarding an upcoming payment to be made in the amount of {$1000.00}. This is far more than I can afford right now so I went onto their website to attempt to file for an IDR. I was told I qualified for an income driven repayment plan and was directed to studentloans.gov where I began to process my request. Part of the way through that application it sent me to irs.gov where I encountered my first problem. There was some problem with the irs.gov form submitting my information. As it was only a few weeks until my due date, I did not wish to rely on paper mail. So I called Great Lakes, figuring I must not be the first person with the problem. The person on the phone did not even let me finish explaining my problem before telling me just to download the app. She said that if I submitted my request on the app I could use images of my paychecks as proof of income and not have to worry about issues with the irs website. Wonderful. So I downloaded the app and submitted the requested documents, proof of payments over the last 90 days. The service told me that my documents had been accepted and that if they needed additional information to finalize my IDR plan request they would contact me. Today, the day BEFORE my payment was due, I logged in online just to ensure that everything was properly set up, only to discover that Great Lakes had never finalized my IDR, or perhaps they did, their website is so misleading I'm not sure, and they are already processing a payment for {$1000.00}. I was told that my lDR payment would be about {$120.00}. I am a XXXX XXXX XXXX, there is no way I can afford to pay over a thousand dollars a month for anything, let alone a loan which will qualify for forgiveness after 10 years of payments. I tried to contact Great Lakes, somehow they are able to process my payment on a non business day but are unable to answer the phone. I feel as though they have on their website, on their app, and through personal communication attempted to mislead me about what I needed to do to re-new my IDR. I have submitted a complaint with them as well, requesting a refund on the incorrect and early payment or that this payment be applied toward future payments. They are a horrible service, and if it is possible for me to finance my loans through someone else, I would like to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: WIth these inquiries we had never came to terms and have no debt with the lenders, Had I known the terms submitted by the lender we would have never submitted a credit application, These are the following inquiries XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 explanation
Consumer complaint received 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My business closed on XX/XX/XXXX. I contacted XXXX XXXX to cancel me account. They cancelled the account with a written notice from me.. I contacted them 1 month later to inquire about my refund of bill paid. They stated that I needed to return their equipment. I informed them that the equipment was there when I leased the space, and I no longer occupied the space and they would have to contact the landlord. 
I gave them his information. I called the following month again inquiring about my refund. They states that they did not get the equipment and will not issue a refund with out the equipment. 
The following month I received a email from a Focus Receivables Management ( Debt Collector ) demanding I paid {$70.00} for XXXX XXXX. 
I again contacted XXXX XXXX on XX/XX/XXXX to find out why I was sent to collection for a debt I did not owe. 
Also, they failed to notify me of any debt I owe to them. 
The fact is that they owe me my refund of fees paid. 

I then made arrangements with the landlord to give access to XXXX XXXX to access the space and retrieve their equipment. I schedule a time with them on XX/XX/XXXX between XXXX and XXXX I sat in the parking lot from XXXX to XXXX and no one from XXXX XXXX arrived to retrieve their equipment. 
I have tried numerous time to resolve this issue to no avail. 
Any help you can provide is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On X/XX/17, I reviewed my XXXX credit bureau reports, and mailed dispute letters detailing multiple inquires that I did not recognize OR authorize. There were only a few on the reports that actually belonged to me, so they were not included in the dispute letters. I am not sure if this is due to fraud, but I did not ask authorized these companies to access my credit reports. I would like to clear up these multiple errors. I have attached the letters that were sent to each Credit Bureau. The applicable inquiries are listed in the letters. The mailed letters were signed and dated.

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 06/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: BSI Financial bought my mortgage from another company. ever since they have stated that I have not made payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I will be filing a claim with the Consimer Financial Protection Bureau for the devious sales tactics of the concierge desk that we experienced this week. 

Our experience with XXXX XXXX was not representative of the service we expect when booking a higher priced hotel through XXXX XXXX XXXX than what we could get on XXXX. We requested a crib which we never received we were not able to order room service until after waiting an hour for someone to bring us a menu after calling three time and then my wife was not served at the lobby bar because she had our daughter with her. 

We then called Concierge told them about our experience and she assured us that XXXX would reimburse us the cost of the expenses at the hotel of {$460.00} and then proceeded to book us into the XXXX XXXX which was {$800.00} which we were fine with since we assumed we were getting reimbursed for the night at XXXX. 

When when we disputed the charge the digital travel department blamed the concierge desk and concierge desk blamed digital. XXXX employs concierge staff who are incentivized to sell higher room, although in this case, XXXX XXXX, Travel Counselor with XXXX concierge used our dissatisfaction to out us into a more expensive hotel and said we would get reimbursed.
There are clearly no checks and balances with the concierge at XXXX  which had cost us over {$1000.00} this week. XXXX has closed our case with no compensation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To CFPB, we previously contacted you regarding Trans Union and their reporting inaccuracies specifically old addresses Case # XXXX XXXX XXXX. Trans Union did not show in their updated credit report to me that the addresses had been deleted only that the current address was showing, even in their own reports they state that " If we were able to make changes we have done so '' it further states in their correspondence an explanation such as definitions like " Updated, verified, Deleted, so as we have stated, Trans Union did not show those deletions as required by federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Someone took over my lease at the XXXX XXXX XXXX complex. And the new tenant has an overdue bill so now the apartment complex sent a collection agency after me. The collection agency failed to contact me and damaged my credit without telling me about the debt or trying to resolve it with me first. I had to find out from XXXX XXXX. Even though I signed a lease-closing document when I moved out that stated I wouldn't be responsible for any debt the new tenant will accumulate. Now the apartment complex has accepted their wrongdoing and removed it from my credit but I lost 22 credit points because of this derogatory mark and gained none after the error was removed. I was planning to get a car loan and did not get the rate I wanted because of this. I asked XXXX and TransUnion both to do more research on my score to repair it and they did nothing.

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 02/17/2016 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (ID).
Issue: Loan servicing, payments, escrow account

Complaint: Below is a quote of a secure email I sent to Pennymac on their website " We have tried to reconcile some issues with Pennymac concerning our escrow account, we originally called on XXXX/XXXX/2016 at XXXX, I do not recall who we spoke with, but he or she told me they would contact the tax department and someone would call back. 
On XXXX/XXXX/2016 I called again and spoke with XXXX and she indicated top me that she saw we had called, and she said it takes 10 business day for a reply to be generated - it would have been nice if the person that answered my first call would have said that, I would not have wasted my time calling Pennymac on XX/XX/XXXX as that was not 10 days from my original call. 
On Wednesday XXXX called at about XXXX and left a number ( XXXX ) and extension # ( XXXX ) for me to call back. I tried to do so, but the extension we called went to voice mail and we never received a call back. 
On XXXX/XXXX/2016 XXXX called me back and said that there had been no resolution noted, but she would call back when she heard something. 
Today is XXXX/XXXX/2016 and so far as of XXXX we have heard nothing. 
We now intend to file a complaint with Bureau of Consumer Financial Protection about the non-response from Pennymac about our concerns dealing with you about our escrow account. 
We have gone into the XXXX County Treasurer and Tax Collector and they stated that the amount of taxes noted on our tax bill is true and correct and they stated that the amount you project for payment out of our escrow account is WRONG. Pennymac payed the first half of the total years tax in XX/XX/XXXX of {$1400.00} and the balance to be paid in XX/XX/XXXX should be the remaining balance of {$1400.00}. Yet you indicated on the account projections sheet that you are going to pay {$1600.00} in XXXX and the same amount in XXXX 2016. 
You sent us a overage refund of {$360.00} on XXXX/XXXX/2016, we feel that overage should have been about {$360.00} more according to projected continued payment of escrow payments as of XXXX 2016 of XXXX, and yet you are increasing our escrow payment to {$320.00} an increase of {$5.00}. 
I know from previous secure message email to you that it takes to 2 days to get a reply, I would suggest you reply ASAP if you can get this settled as the complaint to the Bureau of Consumer Protection will be dispatched this afternoon. 
I find the non-response by Pennymac to our concerns about our escrow account an affront to my sensibilities and it seems that Pennymac has a truly inconsiderate and unresponsive consumer affairs department. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-11-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: I had an account with Wells Fargo for XXXX yrs. I had a checking account with a savings account. On or around XXXX of 2015 I was on a XXXX in which I had {$2000.00} in my accounts. Some how I got a {$5600.00} charge and knowing I would have to work out a settlement with the cruse line. But Wells Fargo completed the transaction causing me to be over {$3600.00} in the negative. I had no money in over draft protection and in the past if I had a {$100.00} pre authorized payment and only {$90.00} in my account it was declined. ( always ). Never have they paid any transaction if I did n't have the funds available. 
I went to speak to my branch manager he called the main office and they to him it was a mistake on there behalf but nothing they could do nothing about it. 
Resulting in closing my account and keeping me from being able to have a checking account with any financial institution. 

This type of business is unjust. 

Thank you for your help in this matterXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2016 about Bank account or service (Other bank product/service) with Servis One, Inc. (MA).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX sold my loan to BSI Financial and I am trying to pay off my loan. I can not get anyone at BSI to cooperate. My new loan is now stalled awaiting their reply to my repeated requests for a payoff of this loan

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 05/14/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I had an FHA mortgage that was paid in full on XX/XX/XXXX with Ocwen Loan Servicing. In the payoff quote to the title company, Ocwen Loan Servicing included a full month of interest for XX/XX/XXXX when the loan was paid in full on XXXX XXXX. I waited patiently for over a month for a refund of both my extra month Mortgage Insurance premium, the escrow account funds, and the extra month of interest that was paid @ closing. I also had not received a notice that the mortgage was paid in full, but Ocwen received the funds on XXXX XXXX per my Title company. On XX/XX/XXXX I called to inquire and was told that it would go for research and it would take 2 weeks. A few days later I received a notice giving a breakdown of the escrow account and was told the Mortgage Ins. premium had to be paid for a full month because it was an " agency loan '' and it 's not prorated and a check for the net escrow account was included. I waited the full 2 weeks before calling again on XXXX XXXX about the extra mortgage interest that they collected @ closing for 28 days more than was needed. Again, I was told it was an agency loan and that 's just how it was. I asked for the call to be escalated to management and it was and I was told by the escalation dept. that they would research and contact me in about 2 weeks. I waited 3 weeks and heard nothing so I called again today, XXXX XXXX and was told that there was no refund coming. I informed them of the HUD notice XXXX released XX/XX/XXXX by HUD stating that FHA announced that borrowers who prepay their FHA-insured mortgages will NOT have to make interest payments beyond the date their mortgage is paid in full. FHA 's rule applies for FHA -insured mortgages closed on or after XX/XX/XXXX. This rule explicitly prohibits lenders from charging borrower post settlement interest, which is broadly defined as a " prepayment penalty '' by the Consumer Financial Protection Bureau., for all FHA Single Family mortgage products and programs. I gave the Ocwen the HUD notice number and read the above notice and told them as Lenders they are required to keep abreast of changes that affect their industry. I 'm sure thousands of FHA mortgages paid this year with Ocwen have had the extra interest collected against this policy. I was asked to write a complaint letter and attach the supporting evidence. I told Ocwen that they should have a supervisor check into the new HUD guideline and refund my overpayment of interest in the amount of {$400.00} + interest to me as soon as possible, and that a complaint with the CFPB would be made. This is a rip off of mass proportion as it 's been going on for 5 months so far on the thousands of FHA mortgages they 've done payoffs for this year and continue to incorrectly quote payoff figures.

Company response to consumer: Closed with explanation