milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: THIS DEBT COLLECTION AGENCY NATIONAL CREDIT SYSTEMS IS REPORTING/SUBMITTING FALSE INFORMATION TO XXXX. I CALLED THE AGENCY AND SPOKE TO A REPRESENTATIVE WHEN I SAW NATIONAL CREDIT SYSTEMS REPORTED ON MY CREDIT. THE REPRESENTATIVE I SPOKE TO AGREED TO MAIL A LETTER AND EVIDENCE PROVING THE ALLEGED DEBT IS MINE HOWEVER THE WOMAN NEVER SENT ANYTHING. FURTHER LOOKING INTO WHAT IS BEING REPORTED ON XXXX I SEEN THAT THE DEBT COLLECTION AGENCY IS REPORTING LATE PAYMENTS DURING MONTHS ( XXXX 2017 ) THAT I HAD NO SERVICE OR RELATION WITH THE ORIGINAL CREDITOR AS WELL AS AN INCORRECT BALANCE OF XXXX ( WHICH SHOULD BE NO BALANCE ). UPON DISPUTING THIS INFORMATION THIS AGENCY STILL HAS NOT CEASED ON REPORTING FALSE INFORMATION AND HAVE NOT REMOVED/DELETED THIS INFORMATION FROM MY CREDIT REPORT WITH XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Medical) with Kross, Lieberman & Stone, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was never aware of this debt and demand proof

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AP).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm trying to qualify for the HAMP program throughWells Fargo Mortage. They said I was declinedbecause my affordability % was XXXX and Ineeded to be at 31 %. My son offered topay the amount that would have broughtmy affordable factor down to the 31 %. 
The bank said that I was declined againwithout reason

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (WI).
Issue: Closing on a mortgage

Complaint: I am contacting you from an attorney 's office. We are in the process of selling real estate. We ordered title insurance commitment from XXXX XXXX XXXX XXXX, of XXXX, WI which showed three ( 3 ) mortgages against the property. One ( 1 ) of the mortgages has now been satisfied, the other 2 are from HSBC XXXX XXXX ( purchased from XXXX XXXX XXXX ). The title company put in requests for both Satisfaction of Mortgages in early XX/XX/XXXX (  around the XX/XX/XXXX ). Today is XX/XX/XXXX, and we have made MANY phone calls to this company ( after waiting on hold for 40mns each time ) to get these satisfaction of mortgages. HSBC states things like they have put in the request, they are in the process or they do n't know anything about it and have to start all over again. We are about to lose our closing. All we want are the 2 Satisfaction of Mortgages for clear title on this property by a company that acknowledges that these loans have been paid. We will lose our closing on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX telephone ( XXXX XXXX XXXX fax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Navient Solutions has been previously notified on several occasions that the only approved method of communication is via the recipient 's mailing address. As of Monday, XXXX XXXX 2017, the company continues to attempt communication through the utilization of phone calls. It is noted that Navient Solutions is not approved to contact the recipient via phone. A supplementary cease and desist letter will provide the recommended method of contact between both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I filed for bankruptcy XX/XX/XXXX, a Proof of Claim was filed by Nationstar Mortgage XXXX as Trustee as Creditor.Objection to the claim by my Attorney XXXX XX/XX/XXXX because Nationstar Mortgage could not show a transfer from Nationstar to XXXX Bank. XX/XX/XXXX Nationstar Mortgage Claim was ( Denied ) because Nationstar could not show a transfer to XXXX Bank. Incomplete escrow statements. attachment Did n't show what was actually paid from escrow Balance. I received Certification of Resolution. After the claim was denied XX/XX/XXXX I tried communicating with Nationstar and XXXX Bank on the phone could n't get no were just a run around.Doing that time I experience multiple hang-up and call transfer unable to communicate with anyone. XX/XX/XXXX there was a assignment of Deed of Trust filed by Nationstar Assigned Deed to XXXX bank Eleven months after I filed Bankruptcy and was asked show transfer they made up a Fraudulent assignment. XX/XX/XXXX Filed filed for Motion for relief, Stated that I had defaulted on payment. I was current on payment before they were denied payment because they could n't prove owner of note. XX/XX/XXXX I sent Nationstar and XXXX bank a Letter To who was owner ot note. XXXX XXXX received response from Nationstar stated they would get bank with me by XXXX XXXX still have n't heard back from them as of today XXXX XXXX. XXXX XXXX XXXX received response from XXXX Bank stated they are not the Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Lawrence A. Patish, P.C. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I called the office to request the balance of my judgement. They gave me the total balance. I asked what the balance of my judgement was again, she gave me the total. I said, " how many payments have I made towards my judgement '' she told me, " that was what the receipts were for. '' I asked to speak to her supervisor, her supervisor did not want to hear how rude the collector was to me, she ALSO gave me the total amount. I asked her for just the judgement, she began to tell me how I should go about requesting the judgement amount. I let her know I asked her em ployee 3+ tim es and her twice and if someone could just give me the total amount of my judgement only. She gave me the judgement amount FINALLY. I hung up and as I was hanging up called them jerks. When I called back and asked to speak to the attorney, I was yelled at and told that THEY would n't be treated that way. Not one time did they ever give the mini miranda. The supervisor never said it, neither did the collector. I am pretty sure that is required for every collection call. They also never verified I was who I said I was. Not an address, a  SSN  a birthday. They could have essentially been giving my information to anyone who called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Problems when you are unable to pay

Complaint: I had fell behind in my loan and received a settlement offer from the company, and under this letter and I was lead to believe that I would be settling my account for less than the full amount and that would be reported to the credit bureau. Which I figured would be better than nothing as long as I got this bill to me paid off. But to only have the company turn around and continue to report on my credit as late and still owing money. I feel the deceived me into sending them money. But they made no contact to say they was pulling back on that offer, they still wanted their money or even send an account statement after they received that money. I feel I have been deceived and taken advantage of during a time of hard times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2015 about Credit reporting () with AllianceOne Recievables Management (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a XXXX collection accounts that still show up on my credit as unpaid/open when they should be paid/closed as of a few months earlier this year. The collections agency is called Alliance One, based in XXXX, WA.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX out of XXXX of my addresses are correct, # XXXX is incorrect, I am from XXXX and that # 4 address is from XXXX, found at credit report from EquiFax, employment History is correct. 
I think, someone else used my identification, I would greatly appreciate in advance your great support. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Bank account or service (Checking account) with PNC Bank N.A. (CO).
Issue: Account opening, closing, or management

Complaint: PNC Bank can not provide me my 2014 Tax Forms. " There is nobody in our call center that can help you. '' I have now talked with PNC Bank 3 times, where they state that they have submitted the request to change my address and send me my tax forms. As a result, my parents receive a " Password Change '' letter in the mail at their address, which has NOTHING to do with MY address or MY online information. When I talk with anybody from PNC Bank, they recite my OLD ADDRESS which I have changed 3 TIMES!!! Finally today I pushed to get on the phone with the manager 's manager, who put me in touch with the Retail Escalation team. This person was at least able to send me a form via email through a " loophole '' which shows my tax information, and has committed to calling me whenever she is able to get my address changed " in the system ''. Note that when I log into my account online, my address shows as updated, but somewhere in the tangled back-office systems of PNC Bank, my address will not update as expected. I have now also provided a hand-written note requesting my change of address, signed and dated as of today, for proof of my address change. What will be great is when my parents receive a change of address form sent to their home ... 
This is the most rediculous process I have ever been through, and I can not express how dissatisfied I am with PNC Bank. I will be doing everything in my power to get my auto-loan, Home Equity Line of Credit, and Checking Account CLOSED and moved to another bank as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (Medical) with COLLECTION PROFESSIONALS INC (Illinois) (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: my name and credit info was given to this company named Collection Professionals by a XXXX XXXX. I spoke with this company who refused to rectify this debt by way of giving it to the responsible party. i paid the XXXX dollars because i was threatened by this company that they would report it on my credit. This debt is not mine. They even put a XXXX, illinois address on my file which i never lived in XXXX, Illinois. I never agreed to this debt or signed my name to approve any services from a doctor or this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (RI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In XXXX XXXX, I noticed a significant increase in my credit card bill which I utilized for medical treatment. I am an XXXX XXXX service member and am struggling significantly with finances due to frequent combat deployments and military relocation. I have requested that Care Credit waive this nearly {$2000.00} interest fee, and they have opted not to respond. My family and I have served 13 years in the XXXX XXXX and have been devastated by exploitative civilian companies who prey on service members due to our lack of options with relocating. I have been abused, oppressed, and exploited by companies similar to Care Credit due to lack of options and being forced to relocate at the demand of the government.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Signed up for rate reduction program in  XXXX  of   XXXX  . It is for 15 months of automatic payments. Since my account was delinquent I had to pay 3 months in a row in order to qualify for the plan and my account would be brought current. For some reason, there was an issue with the rate plan abo ut 1.5 months into the first three months. I was told I needed to provide my bank account information again, before the end of the three months and that all would be fine. Nothing would change. Today I gave them my bank account information, but I was told my account would not be brought current even though I paid the three months consecutively. They said I would have to pay three more months in a row and I 'd be brought current and the program would be reinstated. I am very tired of Navients deceiving ways to get you to make payments. I paid three months and now my account will   remain delinquent. I do not find it fair that I am throwing away my money for it to just disappear and not be applied to my loans. Something needs to be done. This is not the first time I have had an issue with them

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I previously disputed the accuracy of the last active dates reporting from a collection agency on my credit report. I provided all three credit bureaus Equifax , XXXX and XXXX with a copy of a credit report dated XXXX/XXXX/XXXX for this account. The last active date reporting from the original creditor was XX/XX/XXXX. This item is over 7 years old and is still being reported on my credit report. Transunion completely deleted the item, Equifax has removed the original creditor XXXX from the report but the collection agency Fan Distribution is still reporting and providing them with a last active date of XXXX XXXX. Experian is still reporting XXXX who is now showing an open date of XX/XX/XXXX and a last status date of XX/XX/XXXX. Please assist me with updating my account to reflect the Deletion of this item. I have followed the required steps to dispute this item with the reporting agencies including providing them with the documented proof needed to make an informed and accurate decision but their actions seem to take the side of the creditor, seeing that the creditor has to pay them to have their accounts posted on their reports. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 about Debt collection (Mortgage debt) with SN SERVICING CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received multiple letters XXXX referencing an account number XXXX ) from SN Servicing Corporation regarding a property they claim I own. I have NO knowledge of this property and have NEVER done business with this company, SN Servicing Corporation nor the company, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX 2013, referenced in the letters. 

The multiple letters and statements claims a payment due of {$37000.00} and an outstanding principal of {$110000.00} with no supporting documentation or anything, just simply their " word '' of a mortgage loan owed. 

They claim I am 1465 days late on a mortgage that I never got and that if I do n't pay they will foreclose. What mortgage lender waits 4 years to foreclose on a property? NONE! Also, they send other letters claiming they are attempting to collect on a debt. So some letters state I am behind on a mortgage I never had and then other letters saying this is an attempt to collect on a debt. 

I have called multiple times and constantly transferred to XXXX XXXX XXXX whom is also listed in the multiple debt collection letters sent ) who never answers nor calls back regarding my multiple voicemails. 

I have also emailed multiple times to the ceo and to there customer service department and sent an overnight letter demanding they cease and desist on all contact and telling them I dispute this account as it is not mine. 

My multiple and varied inquiries into this Fraudulent Account are being ignored and there are no signed and notarized loan documents in my name bearing my signature. Therefore, I am contacting a lawyer as well as filing this complaint with Consumer Financial Protection Bureau against this company.

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 06-04-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MN).
Issue: Loan modification,collection,foreclosure

Complaint: Greentree has continued to attempt to collect a debt which was : * discharged debt according to credit report and no longer have right to continue to harass past borrower and continue collection efforts* they received asset and sold asset as full satisfaction of debt* MN Attorney General ruled they acted wrongfully and Greentree paid settlement to me for wrongful actions* Mn Attorney General obtained a signed a settlement and they need to discontinue any further collection efforts

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have requested proof of how the following accounts were verified : 1. XXXX XXXX XXXX.-Account # : XXXX 2. XXXX XXXX # : XXXX ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: After submitting the request information at XXXX, each of the XXXX credit bureaus claimed they could not provide my reports. When I attempted to submit a comment/complaint, the site claimed it could n't even accept a comment. This is a scam. I viewed my credit report at my credit union today and I KNOW what information they have. But in order to get a copy of the report, they want me to provide them with information I know they do not currently have. I am not willing to play that game. They owe me a copy by law. How can I force them to comply?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: This is a loan that has been charged off since 2014. I have not made a payment since 2014, and this account has reported as closed/charged for a long time. Lately XXXX has been reporting it as open, with a late payment report as well. This brought my credit from XXXX to XXXX. I have not called them, or made any agreements to pay off my outstanding debt, and I never will. I need to rebuild my life, and my credit. I am a single father, and I raise my child on my own. I ca n't buy a house for a long time because of this. Or even a new Car.

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 10/17/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: My wife and I are on Income Driven Repayment plans while I am a XXXX XXXX as we have a partial financial hardship. I am on PAYE and she is on REPAYE. Our loans are held by XXXX ( PHEAA ). 

On XXXX/XXXX/XXXX, I received a notification to submit annual loan recertification documentation. My wife and I submitted those documents promptly on XXXX/XXXX/XXXX. 

We received emails on XXXX/XXXX/XXXX confirming the receipt of those documents. However, there was no indication in our online portals that these documents were received or that processing had begun. 

Today ( XXXX/XXXX/XXXX ), I received an email from XXXX stating that I needed to recertify as the deadline was rapidly approaching ( XXXX/XXXX/XXXX ). 

I called XXXX at XXXX XXXX/XXXX/XXXX and waited 20 minutes on hold. The agent I spoke with said " That 's  strange that you received a notification so early. '' and that " Since you submitted so early, your application was placed on hold ''. 

I asked when my application would be processed. She said " 1 to 2 months, but not before XXXX/XXXX/XXXX ''. I expressed my concern that this would be insufficient time as my plan expires on XXXX/XXXX/XXXX. She stated " you have nothing to worry about '', but would not give any sort of confirmation or offer to expedite the processing of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a Capitalone rewards credit card which I opened back in XXXX of XXXX. This card carries a yearly fee that has kept going up and currently stands at {$99.00}. 
I called in XXXX, I believe, because I wanted to switch the cards as I did not see a benefit to having a rewards card. I was told the fee is not due till XXXX, XXXX and I should think on what I would like to do. I called back in in XXXX prior to a vacation. The agent with whom I spoke informed me that she can switch the card to a card without a rewards card but she can also see about waiving the fee but she cant do it until after the fee has been charged on the account. 

Lo and behold, I call in today to see about the fee waiver and I was informed the fee cant be waived and theyre happy to switch the card to a different card. When I informed the agent that was not what I was told as I had called previously, he tells me hell pull the call and if its true the agent advised me of that hell see what he can do about the fee. 
How these lying dogs stay in business is beyond me and is the fault of the government. Ive been through this before. Theyll claim their agent never said that or nothing was ever documented and they ALWAYS document their records. 
This needs to stop. Consumers are already being defrauded by these people. Where does it ever stop? Why would I want to switch the account after theyve charged their fee? I may be a lot of things but I am not stupid!!!

Company response to consumer: Closed with explanation