milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted XXXX to obtain services in XX/XX/XXXX. They informed me I could bundle service with XXXX. I decided that was an option I wanted. I was informed that before any billing would start the installation employee would come confirm that my residence was feasible to obtain services. The installation employee informed me that there were too many trees on my property to obtain XXXX service. He put me on the phone with a manager would informed me that all contracts would be null and void, and he was sorry I could n't obtain there services. XXXX days later XXXX sent me a bill for services rendered. I did n't obtain any services from XXXX as I did n't obtain the bundle from XXXX. I sent certified mail response requesting : 1 ) Proof that I am a customer and had requested services 2 ) Proof that services were in fact rendered at my address 3 ) If XXXX could n't provide proof that they stop sending me collections. I received no reply, but did receive a collections notice from a third party collections agency. I sent the collections agency the same XXXX questions i sent XXXX. The collections agency responded informing me that they in fact could n't prove any services were rendered and would be sending the account back to XXXX. XXXX link then sent me another collections notice on their behalf, and I again sent a certified mail response which received no reply. Now on XX/XX/XXXX, another collections agency is requesting payment of debt on behalf of XXXX at the amount of {$290.00}. This has caused me XXXX as I have NEVER missed any payments to ANY of my creditors. XXXX can not prove I had received or asked for any services. Yet, they refuse to respond to me correspendece. XXXX practices are in direct violation of the Fair Debt Collection Practices Act.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2017 about Debt collection (Medical) with Road Runner Collection Services, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received any notice to verify I owed or am responsible for this debt. I noticed this debt was in collections from XXXX XXXX only once I reviewed my credit report on XXXX XXXX, XXXX. I contacted the debt collector via phone, requesting verification and notifying the debt collector that I dispute all claims that I owed the debt reported on my credit report. The collector viciously argued with me and hung up on me twice, the first time when I was disputing the claim that owed the debt and the second time when I called to inquire the contact information of the original creditor and claims. The debt collector mentioned I did not receive bills or other information in regards to the debt because they did not have my information. The only information that the collector had was my name, date of birth, and SSN, which makes no sense and is not sufficient proof that I owe this debt or why I had not been contacted in XXXX, if I am so responsible for this debt. I have been denied of my rights to promptly, adequately, and sufficiently defend myself from such illegal, and inappropriate tactics used by this debt collector in recovering a debt that does not prove to be mine. I had never received any notice of this debt prior to me investigating my credit report on XXXX XXXX, XXXX and is when I found this debt on my credit report. I have never received any communications in regards to this debt, which has been illegally reported and misrepresents any debt in which I owe or am responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: When I was in college in 2002 I had some non government guaranteed private loans with XXXX XXXX. I subsequently filed bankruptcy, and these accounts were included in the bankruptcy. I was told they may not be discharged. <P/>Since then, the accounts appeared as XXXX XXXX accounts and I had them removed from my credit reports. Recently, they have all been reappearing as Navient XXXX These accounts were closed and charged off over 10 years ago and Navient is reporting them as still active and able to be reported on my credit report. This is in clear violation of the FCRA and the FDCA. <P/>Please assist me In the removal process. I have attempted to contact Navient and also disputed with the credit bureau ( XXXX ) XXXX and XXXX have corrected the issues. <P/>Thank you, XXXX XXXX SSN- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (Medical) with Account Discovery Systems, LLC (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Debt collector left messages for me and my sister this morning. Although I have an XXXX area code, I am currently residing in California and received the call at XXXX. The message simply stated they were trying to contact my mother, with no indication that they were a debt collection agency. My mother is currently suffering from an incurable illness, and both me and my sister immediately assumed this was a health issue with the vagueness and urgent tone of the message.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband purchased a home in XXXX. Here the story his orginal loan was with Homecomings Bank his account was always never had one problem with this lender. Orginal loan was for {$15000.00} on a tiny house XXXX a month this included the insurance as well as taxes.The taxes on this house are only XXXX a year it the location its in. So to pay off early he was making and always has made payments of XXXX or more a month.XX/XX/XXXX it was brought to his attention when he received his monthly statement that it had changed to Gmac Bank. from the get go we would have to call in constantly because payments where being applied wrongly etc ... Then in XX/XX/XXXX a new company OCWEN takes over and it has been a nightmare ever since thats he has contacted you. They told him he had a ballon loan he did not and even so if he did the fricking house would be paid off there no way the most he could maybe owe would be XXXX if even that. When he contacted you they sent out papers but the papers they sent where there break down from XX/XX/XXXX and how they would apply it. It 's not the documents from Homecomings its just insane how much money we have paid on this place and they say basically he still owes {$12000.00} and that they are now going to foreclose. thats ruffly {$3100.00} and XXXX going to taxes then insurance for a house {$360.00}. This house is in the hills its XXXX bedroom very small and then off course you have interest which they send us every year a report and its XXXX. So taxes, insurance and interest {$1300.00}. XXXX - XXXX = {$1700.00} a year should go towards loan give or take and in 15 years that {$26000.00}. And this house he still owes {$12000.00} are they nuts he has had same bank account from XX/XX/XXXX they have every single check they ever paid them from day one and to round it comes too {$45000.00}. There no communicating with these people its they are write and no one else .... I have read numerous sitituation on line and spoke to other people invovled with this company. This is insane completely insane .... How getting away with this XX/XX/XXXX ... Someone has to do something ....

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've just seen a report that the CFPB have, in my opinion, rightly, sued Navient, formerly XXXX XXXX. I had more problems in the beginning of my loan in regards to abusive calling, rising & outrageous interest ( sometimes due to deferment plans ), & unrealistic repayment plans/advice. My main 2 issues, however, would be that when I 've called to remove a co-signer, at least 3 times, they 've made it a much more complicated process than it should be, ultimately always denying the request. One such event was not alerting me to a payment that did not go through on their website and not alerting me, even a month later, that it had caused me to go late. Another was also not communicating correctly that when submitting paperwork to release the co-signer that they required redundant forms and when I submitted the form they cited that it had to be filed within 30 days of the original submission, thus leading to a denial of my request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Using a debit or ATM card

Complaint: Bank of America reversed fees that were charged to my account by XXXX. There was a world wide computer glitch on XX/XX/2016 the day my child & I were scheduled to travel. I had travel insurance from XXXX. Which is a {$100.00} rip off. It claims to compensate the traveler for lost luggage, delays etc repatriation, up to {$25000.00} but it is pointless to buy as they could not help me at all. I bought tickets for myself and my child to fly from XXXX to XXXX because her father is in XXXX. The glitch happened as we were at XXXX airport & no one called us to say it was impossible to change the tickets. It is XXXX, we have a negative {$800.00} account & it seems bank of America will not look at the internet to see that there REALLY WAS A WORLD WIDE computer glitch that caused XXXX a serious problem, and that travelers are getting refunds.

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 09/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Recently, my employer started making $XXXX a month in payments toward my student loans of $XXXX a month, held by XXXX XXXX. Accordingly, I have tried to get my direct debit amount reduced by $XXXX (XXXX XXXX would still receive the same amount each month, but the extra $XXXX  would come from my employer). The $XXXX already shows up as a credit each month on my bill, but XXXX XXXX refuses to lower my direct debit amount to anything lower than the total billed each month (even though they're now getting $XXXX more than that each month); they will only allow me to increase how much I pay in direct debt. I just called them about it today, XX/XX/XXXX. I had previously emailed them on XX/XX/XXXX, and below is what they responded on XX/XX/XXXX. I followed the instructions and it only allows increasing how much to direct debit, not to decrease.


---------- Forwarded message ----------
From: 
Date: Sat, XX/XX/XXXX at XXXX XXXX




Thank you for contacting XXXX XXXX!

To change the additional amount withdrawn through Direct Debit:

-  Sign into your online account
-  Select "Payments & Billing"
-  Select "Automatic Payments"
-  Select "Manage Direct Debit Information"

You will then be able to adjust the information in the Additional Payment Amount column.

We recommend that you use the "Contact Us" links on our website, XXXX, to submit inquiries via a secure email form.  Please use your email address on file when completing this form.  You may also call us toll-free at (XXXX) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX XXXX until XXXX XXXX (ET).

Sincerely,

XXXX
XXXX XXXX

--- Original Message ---
On XX/XX/XXXX at XXXX XXXX
>Message: My employer now submits $XXXX a month in payment, so I would like to lower my direct debit amount by $XXXX a month. I was wondering how I can go about doing that? Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX 2015 I realized that I might have problems paying Suntrust mortgage because the house was struck by lighting. I called and spoke to representative who transferred me several times and they completed a three way call with XXXX XXXX XXXX to provide a credit to cover the XXXX 2015 payment. A three way call with all parties stating they recorded and banking info provided to debit the account. XXXX XXXX XXXX agreed and said they would credit it and then receive the payment from me XX/XX/2015. Suntrust sold the loan to XXXX and never pulled the XX/XX/XXXX payment as agreed, Did n't apply the XX/XX/XXXX payment that I paid and submitted information to XXXX that my last payment was in XX/XX/XXXX with no insurance on the home even though it is attached to the mortgage. I only found out when XXXX sent me my first statement requesting proof of insurance that no payment had been paid to my account. When I called Suntrust they said they have no record of it even though my Bank account shows the opposite. XXXX XXXX XXXX has provided documentation twice to them. XXXX is now my primary mortgage company which a payment was made but my credit and late fees had taken a negative hit due to their negligence because they violated RESPA. XXXX said they have until XX/XX/XXXX to fix the situation which no current statements show any progress. Since they did not pay any payment I am now 2 months behind instead of current which will be currently eventually but not for a while. Suntrust has also refused to take any responsibility since they no longer own the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My credit report shows a negative collection/chargeoff from XXXX XXXX.This account has been closed since XX/XX/XXXX. The full balance was paid. XXXX XXXX still shows a negative account on my report. I disagree with this negative report from XXXX XXXXXXXX. 
This account was opened on XX/XX/XXXX and closed 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 02-09-2018 about Mortgage (VA mortgage) with FIRST GUARANTY MORTGAGE CORP (CO).
Issue: Trouble during payment process

Complaint: I have talked and emailed XXXX XXXX of First Guaranty Mortgage Corporation, my interim Draw Administrator concerning the Monies were not used to pay subcontractors and the percentages that should have been 100 % as per the First Guaranty Mortgage Inspector. all the issues below since XX/XX/XXXX.  I have asked XXXX XXXX for a copy of the Inspectors report and still have not received that document. 

XXXX XXXX XXXX the General Contractor has {$40000.00} of my monies is in his bank accounts. His partner, and himself ended their business relationship on, XX/XX/XXXX. At that same time, XXXX XXXX XXXX, Also he took {$9000.00} from wife and myself as he said it was needed for the excavation contractor. I have asked XXXX XXXX for the signed Lien Release and still have not received that document. 

. During the Reorganization at First Guaranty Mortgage Corporation ( FGMC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, and the change of service administration to XXXX XXXXXXXX a construction management company, who my contact is now XXXX XXXX phone number XXXX. The past Draw administrator let XXXX XXXX XXXX have 100 % of several Line Items which is an error on the FGMC, Draw Administrator during that period. I have contacted the VA Loan Office in XXXX and opened the case # XXXX and have mentioned that this problem is a fiduciary miss management and possibly with criminal intent. I was told to contact the VA administrator for First Guaranty Mortgage, XXXX XXXX, at XXXX and have not heard from her at this point. 

The construction has stopped and XXXX XXXX XXXX no longer involved.

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 03/29/2017 about Bank account or service (Checking account) with BANK OF THE WEST (HI).
Issue: Account opening, closing, or management

Complaint: I received a letter from the Bank of the West where I have a checking account in which I typically retain a significant balance that I am going to be automatically charged a monthly " Paper Statement Fee '' of {$3.00} unless I elect to receive Online only statements. I have had this account for decades and I object to being 'coerced ' into doing business online.

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 07/25/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your Company Equifax Information Services XXXX. XXXX XXXX XXXX, GA XXXX. 
for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously harmed my credit. I have Consider class action Law suit against the Credit Reporting Agency Equifax. claimed that Equifax violated the FCRA by the company Equifax allegedly erroneous reporting of XXXX XXXX XXXX on credit file. 

Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (RI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The address listed on my Experian report is wrong. Credit card listed does not belong to me. I never had the reported credit card listed on this report and never lived at the address on report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (I do not know) with Quality Asset Recovery LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon reviewing my credit report with all three XXXXcredit bureaus I was informed that I have late or missing payments which I do not owe, and have been reported for more than a year as deliquent. Attempts to get written verification proved unsuccessful as the complaintant stated, " they did not have to prove anything to me. '' I am trying to purchase a home and this situation is preventing that from happening due to FALSE information being listed on my credit reports.In other words, this debt is NOT mine! 

Please assist so that I will not have to pay for legal help in this matter.

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 08-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Made a payment by check online with Capital One mobile, I was not aware of the check being returned by my bank. I went to make my next month payment by check like the previous month, thy took the payment. I go to use my card which I had available credit it was denied. I log online to my account and both of my cards are now closed. I called they said because of the returned payment. They closed my accounts but I can still pay my balance by check online. So they take your charging privileges away but yet they continue to take your monthly payment by check. My nsf was a bank error and they didnt offer me a way to correct the issue, just closed two open charge accounts I had. They do n't disclose this information in you customer agreement for. No information giving to consumers about returned nsf items. Capital One close your accout for 2 nsf in 1 year, but do n't tell you this is they practice.

Company response to consumer: Closed with explanation