milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Checked my credit report 4 years ago saw there was a capital one credit card in collection. Filed a dispute since then it has been reopened every year by the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Conventional fixed mortgage) with Sortis Financial, Inc. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX and XXXX mortgage was with XXXX Bank, I requested a mortgage modification for the XXXX and XXXX mortgage because I had a XXXX % reduction in pay. XXXX did modify my XXXX mortgage and reduced the mortgage payment. XXXX refused to modify the XXXX mortgage'they transferred the XXXX mortgage to ClearSprings Loan Services of which is a subsidiary of XXXX mortgage. I have received a Final Demand Letter from them. I want to settle on the debt. or they do a debt forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Medical debt) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Collection service of Athens {$690.00} XXXX XXXX XXXX for {$300.00} for {$94.00} for {$120.00} for {$66.00} and for {$120.00} which was all paid by my insurance company so I do n't owe any collection agency anything. Plus I do n't I never signed a contract with collections of Athens or XXXX agency

Company response to consumer: Untimely response
Consumer complaint received 12-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: With Navient, I have tried to get a lower payment for several years. I told them what I can afford to pay but I am still struggling to pay. I have many misfortunes in the last year that made my income decline drastically. I have asked for help but They are always blunt and not showing any concern. I think I should be able to set the amount to pay based on my budget. I am overwhelmed with debt and considering going back to college to increase my income.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX sent my medical bill to collection on XXXX XXXX2016 which is clearly a violation of the HIPPA law. At the time of the service I was covered under insurance which I called XXXX several times to inform them of my insurance information. This is affecting my credit report.

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 03/26/2015 about Mortgage (FHA mortgage) with Finance of America Mortgage LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015, I contacted XXXX XXXX, who is a Branch Manager ( XXXX # XXXX ) with GATEWAY FUNDING, and learned I can lower my mortgage monthly payment from approximately {$2400.00} to {$2000.00}. I was ecstatic because I would have saved over {$400.00} each month. XXXX XXXX sent me via email the DETAILS OF TRANSACTION detailing I would pay that amount. During the escrow process on XXXX XXXX, I was instructed to wire {$690.00} and thought my application was completed. On XXXX XXXX, XXXX XXXX contacted me and stated it required me to pay an additional {$290.00} because certain expenses were overlooked by XXXX XXXX. I contacted XXXX XXXX about my additional expense to which he stated, GATEWAY FUNDING will refund {$290.00} back to me after I send in the money to complete the escrow process. 

I am complaining about XXXX issues : I learned my mortgage monthly payment was not {$2000.00} as promised by XXXX XXXX, but instead {$2200.00}, and I have not received my refund in the amount of {$290.00}, as promised by XXXX XXXX on XXXX XXXX. When I contacted him via telephone on XXXX XXXX about the monthly payment, he stated he made a mistake. I have contacted XXXX XXXX on XXXX occasions about the refund check. I contacted him via telephone on XXXX XXXX, which he stated he will issue the check on XXXX XXXX, the Friday after the application process was completed. I contacted him on XXXX XXXX, and he stated he would authorize the refund check. When I last contacted him on XXXX XXXX, I was told I should have already received it, then later verified by XXXX XXXX that he check has not been issued or delivered. 

It is my belief XXXX XXXX is taking advantage of my lack of knowledge in the loan application process by informing me of his many years of outstanding services and a promise of lower month mortgage payment only to deceit me to benefit himself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-10-2015 about Debt collection (I do not know) with Daniels Norelli Scully & Cecere, P.C. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX XXXX from Daniels & Norelli called me today at my work place. I do n't appreciate this, and would like to have them stop this. I would greatly appreciate your help with this. 

their phone number is XXXX and XXXXXXXXthank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (Medical) with United Collection Service, Inc (FL) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debtor : united collection servic, agency : experian. 
Acct # : XXXX commerce XXXX XXXX XXXX , XXXX. 
XXXX ( XXXX ) XXXX '' Address I.D . # '' :XXXX1 ) the " debtors name '' is abv. & MIS-spelled. 
( Servic. Instead of service ) 2 ) my " Legal name '' IS : XXXX XXXX XXXX. NOT, : XXXX " XXXX '' XXXX. 
3 ) Please advise above debtor to submit a bill for ALL " unpaid medical bills '' to my insurer, XXXX for payment in FULL. 
Thankx.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Problems caused by my funds being low

Complaint: I have a few checking accounts at citibank. They are linked. One is supposed to be a charity account. For various reasons I had to downgrade the account to basic package ( I work at a XXXX and they had a special deal with citibank that citibank decided to renege on ). On the phone when I was ordering the account downgrade i asked if i needed to keep their minimum balance in all accounts ( since my charity account is constantly being emptied out for charity ). The rep said on the phone " no, the accounts are linked. as long as the total in all the accounts is over the minimum, there wouldnt be a charge '' ... Sure enough, there was a charge. I 've been wrestling with them for 3 days trying to get them to reverse the charge and standby the statement of their phone rep. They are refusing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/13/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company is trying to collect on a medical bill that was a result of a workplace injury. Our corporate office made called the debt collectors, paid the debt, and advised them that it was illegal to collect on workplace injury claims. However, this company has continued to report the debt to the credit bureaus even though they say they have no record of me ever having anything placed in collections with them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Consumer Loan (Vehicle loan) with First Investors Financial Services Group, Inc. (WI).
Issue: Problems when you are unable to pay

Complaint: In reviewing XXXX XXXX credit report, I found that first investors financial service corporation placed the incorrect balance amount along with the duration period of the false balance on my XXXX report. I currently have a pending investigation with CFPB open with their debt buyer XXXX XXXX XXXX, in which they requested 60 days to get the correct balance resolved. Within those 60 days, my first investor financial services credit report balance increased to the loan origination amount. ( indicating that my high loan balance was XXXX ) Please be advised that payments were made throughout the lifetime of my loan. It is basically showing I have n't paid anything. I had gap insurance, along with my car was sold at auction XXXX/XXXX/2014. None of those credits were applied. Based upon the consent order dated XXXX/XXXX/2014, first investor financial services was ordered to pay a XXXX XXXX dollar fine based inflating delinquency amounts. The only difference in this matter is first investor financial services was n't able to inflate my delinquency balance on XXXX and XXXX, they used XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: sw credit for XXXX for {$510.00}. I believe this is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/15/2015 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Making/receiving payments, sending money

Complaint: Hi have an unsecured line of credit with Santander Bank. I also have XXXX checking accounts, a savings account for my son, and my HELOC with Santander bank. I use the unsecured line of {$5000.00} as my overdraft protection account. The interest rate on that account is aggressive, but it does n't bother me because I do not keep an open balance on there for long. In fact, I transfer money over very quickly and the check daily for any additional interest that may be tabbed to that account so I can pay it off. However, the account is set up incorrectly. The online interest balance does not match what is printed on the paper statements I receive in the mail. When I pay the interest online, it is not credited against the interest due somewhere in the account, and I am then billed for interest in a paper statement. However, the balance online is reported as zero. I have called about this numerous times. They tell me the online account reporting does not reflect everything and I have to rely on the paper statements. However, I pay everything online, so I continue to transfer money over to that account, but it is not peroperly reflected anywhere. I have asked for a transcript of this account for the last 2 years, but they will not give me XXXX. I have hiked my complaints all the way up to the main office, but they tell me I need to call customer service. I have put everything in writing but they seem to not understand. I most recently was reported for 60 days late for {$7.00} this past XXXX and XXXX. I used money from this account and paid it back the same week and the next week. I then paid interest the following week. The balance showed XXXX once I paid, and I do not know why they would hand bill me for {$7.00} interest but not report it as interest due online for 60 days. This is very frustrating. I have perfect credit and am never late on any accounts. This small account has caused a great deal of problems for me and is negatively reported on my credit report now. I am not getting any cooperation from this bank. I have had my main checking account for XXXX years, and I do not appreciate being ignored when I point out a legitimate issue with the setup and billing on this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Macy department sto re has allowed other people beside me to make purchases in  XXXX  dollars after I informed them many times that I have been victim of identity theft. I have talked to frauds, frauds analytic, and many fraud department managers and so far they just promise that they are investigating.. I have a documentation of all the above the names of macys employee and a copy of my statements. I have also informed them the history of the theft, the police report, the detective name and her number and the prosecutors office in  XXXX   County  and the name of the prosecutor with the case number and months have passed and they are still sending bills and nothing has been done with the investigation and we have been receiving letters in the mail every month requesting that I pay and I believe they sent my name to collecting agency and I have been verbally abused due to their negligence.

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 01/19/2017 about Consumer Loan (Installment loan) with Navient Solutions, LLC. (LA).
Issue: Managing the loan or lease

Complaint: I have XXXX student loans that I pay through Navient. I went through the online process on navient 's website to consolidate the XXXX loans into XXXX loan. I received notice that the consolidation was approved and had been completed. 

All they did was " consolidate '' XXXX of the loans and raise the interest rate. This loan just had its title changed and I paid slightly more for a short period. 

I have reached out on their website at least twice, maybe up to four times. I have not got any type of response back. 

I recently set up automatic payment, which dropped my rate .25 %. However, this was deduction was taken from the new, slightly higher, rate. 

Please let me know if/what documentation you 'd like me to provide. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery is trying to collect a debt that the bank has discharged and set off to the united states treasury, I dont know how they acquired this information but it IS NOT A DEBT, its only information, Now I say to portfolio Recovery, show me the debt that I owe with tangible proof!! show me the original instrument of indebtedness, in its original form, or show me a valid contract proving my obligation to perform!! I 'm not your customer I 'm not your member and I 'm not your contractee, and I 'm not your consumer get the XXXX out of my life before I call a lawyer and start legal action immediately!!!! THE BANKS DISCHARGE ALL DEBTS TO THE UNITED STATES TREASURY!!! so what kind of XXXX are you trying to pull?? how much did you pay for your information?? 31 U.S. Code 3123 - Payment of obligations and interest on the public debt Current through Pub. L. 114-38. ( See Public Laws for the current Congress. ) US Code Notes Authorities ( CFR ) prev | next ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. ( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title. ( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under section 5151 of this title.
( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited.
( XXXX XXXX XXXX, XXXX XXXX, 1982, XXXX XXXX XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I sent payment via mail last Thursday. This is plenty of time and before payment was due. I am now being charged a late fee. I need this corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have been a customer of Citicards since XXXX and have always maintained a up to date account. On or about XXXX XXXX, XXXX their customer service department contacted me regarding a payment and told me that to avoid a late charge to submit my payment. She informed me that as long as I made a payment that I would not be charged a late fee. I then get a statement and they charge me a late fee. Why in the world would you tell me I was not going to get one if I made the payment and after I made the payment you gave me one. That is not good business. Let alone, by law there is a grace period for making payments. I will be terminating my business with them

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 04-03-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: APR or interest rate

Complaint: I was offered no interest for balance transfers till XXXX/XXXX/XXXX, made large payment for the regular balance that carries interest, payments on XXXX & XXXX XXXX were allocated patially to the regular bearing interest, and as well to the balance transfer portion. nowhere was stated that payments will be allocated to that portion, as a matter of fact the law is that it should be allocated to the high interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit card () with U.S. BANCORP (TX).
Issue: Rewards

Complaint: I have been a loyal member of the US Bank XXXX XXXX Business Visa Credit Card and the main reason for maintaining this credit card and paying the annual fee for the last couple of years has been to utilize the bonus award night feature that comes with this card. On XXXX XXXX, XXXX XXXX has been pulling back the bonus award night feature starting XXXX and replacing it with a free night feature that requires $ 10k spend/yr which I would not be able to utilize as it has excessive spend requirement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Debt collection (Auto) with GENERAL MOTORS FINANCIAL COMPANY, INC. (UT).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: XXXX XXXX called me on XXXX/XXXX/2015 collecting for GM financial I explained to them the the account with GM financial was over the statue of limitations for collection XXXX XXXX explained to me to send them a validation letter and she would send the file back to GM Financial. I received the letter from the company on XXXX XXXX,2015 and sent a validation of account to XXXX in the meantime they inquired on my credit with all XXXX bureaus on XXXX XXXX,2015 after I spoke to them over the phone and put them on notice when I called them XXXX XXXX, 2015 to confront them they told me that GM financial gives them authorization to pull my credit. I did not authorize XXXX to pull my credit and GM financial account is null and void due to statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TRANS UNION have reported XXXX incorrect bankruptcys on my credit file. i contacted courts about. they informed it could be computer error or somebody with same name. XXXX Bankruptcy Clerk informed they do not verify or validated bankruptcy with credit bureau. Trans Union informed me after responses that it was verified. I have a letter from court informing they did not verified. Trans union is still reporting on my credit report.

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 06/30/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have been working with my mortgage company for a loan modification. On XX/XX/XXXX, i was denied for the loan modification and in the letter it stated that i had a 30 day right to an appeal. I submitted my appeal on XX/XX/XXXX and the documents had been confirmed received. Yesterday I called Shellpoint to confirm that there was no sale date on my home. I spoke with XXXX and he advised there was no sale date and confirmed that it was placed on hold. Today we received a call from XXXX XXXX with Shellpoint and he advised that the appeal was acknowledged and the sale date was scheduled for XX/XX/XXXX. After getting deeper into the conversation with XXXX he then realized that they had all the documents to review the appeal but requested that i send solely the XXXX so that he can send it over to underwriting. I just dont understand how i can be so misinformed and my documents to be so neglected considering the circumstances of foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I apologize as i have filed numerous complaints and the most recent one just concluded, I just paid my XX/XX/XXXX payment on XXXX XXXX via the Ditech website, I specifically paid {$2100.00} plus an additional {$100.00} to be applied towards the principle, for some odd reason, Ditech applied {$2200.00} towards the principal and left {$15.00} in the suspense, Why? i wont call because they do not help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief