milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter from CCS ( Credit Collections Services ), stating that I owed money to XXXX XXXX XXXX and demanding payment of {$240.00}. 
I contacted CCS and asked the nature of the claim. They could not provide me with a date or reason for the debt. I disputed the debt with them. 
I then contacted XXXX XXXX Collections department and spoke with XXXX XXXX x XXXX. He checked all our information, telephone numbers, SS #, tax ID and could not find any debt of any type associated with my name. 
CCS indicated that they are unwilling to remove this debt from our record. I am requesting action be taken against CCS and our name cleared of all claims from CCS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America sent me this FRAUDULENT DOCUMENT : IRS form XXXX for XXXX. 
How do I know if is fraudulent? It is because Bank of America has not held my primary mortgage loan since XXXX XXXX, XXXX. 
See letters attached from BofA dated XXXX, XXXX, and from XXXX dated XXXX/XXXX/XXXX I never received any money from BofA, or any correspondence from them ever. I never was awarded any loan modification. I was never paid any refund or credit, nor notified of any overpayment of interest. 
The outstanding principal information on the form is not correct as recorded. 
I had applied to the Bank of America on XXXX XXXX, XXXX for mortgage assistance on loan # XXXX ... .. due to financial hardship. Instead of replying to my application, without warning, they sold my loan. 
On XXXX/XXXX/XXXX I called I called, four times, the customer service number on the letter XXXX and got the following explanations and responses : This amount was from a loan modification ( I responded " I did not get any loan modification '' ) The amount was missed on the XXXX tax statement ( my loan was sold in XXXX XXXX ) The amount reflected overpaid interest in XXXX The amount was missed on the XXXX tax statement XXXX received overpay It is a write off on taxes I requested that they send me XXXX and XXXX tax records I was transferred to the YEAR END DEPARTMENT ( XXXX ) in order to get an explanation on the tax form. I was told the following : something was mentioned about a " post modification bank '' I questioned what this was and was told it was about my loan modification I told them that I never got a loan modification and that my loan was sold XXXX XXXX. 
The person I spoke with said it was to my benefit, and was all good. And, that I just have to give the form to my accountant. 
I questioned this as the form represents income I never received. 
I went to the IRS website to research the form XXXX and saw that it represented a payment or credit. 
I made my FOURTH call to customer service and I talked to someone named XXXX who reviewed my earlier calls. She set up an inquiry and gave me a case number

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 04/19/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: The servicing of my primary mortgage was transferred to Seterus over a year ago. I was sent a notification of transfer but did not receive payment information until well after my payment was due. As soon as I received payment information ( including the new loan number ) I sent off payment. I was assessed a late fee even though it was not my fault for the delay in payment. This late fee is still on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX Account showing up as a collection account is not mine. Possible fraudulent account.

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 11-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I HAVE BEN STRUGGLING WITH NAVIENT FOR ALMOST 2 YEARS IN TRYING TO GET MY STUDENT LOANS ( FORMERLY XXXX XXXX ) DISCHARGED THROUGH XXXX. 
ALL OF MY FEDERAL STUDENT LOANS HAVE BEEN DISCHARGED SINCE LAST YEAR AND NAVIENT IS VERY UNWILLING TO ASSIST ME, OR DO ANYTHING TO HELP MY FINANCIAL SITUATION. I AM LEGALLY XXXX THROUGH SOCIAL SECURITY AND HAVE A LETTER TO PROVE THAT BUT WHEN I GOT MARRIED IN XX/XX/2016, I LOST MY SSI BECAUSE OF THE MARRIAGE PENALTY ACT. 
CURRENTLY MY BROTHER WHO IS A CO-SIGNER ONLY ON MY LOANS IS STRUGGLING TO MAKE PAYMENTS ON THEM WHILE SOME HAVE DEFAULTED AND HAS CAUSED MY CREDIT TO SUFFER WHICH IS CAUSING ME GREAT STRESS AND XXXX AND EVEN WORSE, MY HEALTH IS DECLINING RAPIDLY DUE TO ALL OF THIS. 
NAVIENT IS UNPROFESSIONAL, UNCARING AND MOST OF THE TIME DOES NOT RESPOND OR RETURN CALLS OR GIVE YOU CORRECT INFORMATION. THEY WANT MY BROTHER TO KEEP PAYING BUT HE CA N'T AFFORD TO AND IS VERY UPSET THAT HE HAS HAD TO PAY SO MUCH IN THE PAST TO SAVE HIS CREDIT. MY XXXX ( XXXX XXXX XXXX- XXXX ) IS ONE OF ONLY 4 LISTED AS COMPASSIONATE FAST TRACK FOR BENEFITS BECAUSE OF ITS SEVERITY AND NAVIENT NEEDS TO ADDRESS MY ISSUES AND DISCHARGE THEM LIKE THE GOVERNMENT DID OVER A YEAR AGO. I CAN SEND MY XXXX LETTER BUT WILL NOT GIVE THEM EVERY PAGE OF MY MEDICAL HISTORY BECAUSE IT IS NONE OF THEIR BUSINESS WHAT I AM XXXX FROM AND IF THE SOCIAL ADMINISTRATION LETTER PROVING I AM XXXX IS N'T ENOUGH FOR THEM I WILL SUE THEM UNTIL I XXXX I AM SO ANGRY WITH THEM. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Student loan (Non-federal student loan) with NELNET, INC. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In 2006 I cosigned a private student variable rate loan. The interest rate at the time was 8.68 percent. Today the rate is 8.75 percent .Even though the prime rate has gone down substantially the last 10 years the rate on the loan has not been reduced. It seems that the rate should have dropped. I have called the company and they have not given me a satisfactory answer. I think there is fraud here. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Trouble during payment process

Complaint: I wanted a pay-off quote for my mortgage loan with Freedom Mortgage ( Loan # - XXXX ). So I went to their website and logged into my account to see if I can get it online. In their FAQs section they mentioned the process as below. 
-- -- -- -- -- -- -- How do I request the payoff amount for my loan? 
You XXXX contact our Customer Care department at ( XXXX ) XXXX to request your payoff amount. Freedom Mortgage Customer CarXXXX representatives are available to assist you Monday through Friday from XXXX XXXX and Saturday from XXXX XXXX Eastern Time. You may also send a request to XXXXXXXXXXXX or mail to Freedom Mortgage, XXXX. XXXX XXXX, XXXX, IN XXXX. 
Please be advised, we are not able to send a payoff quote to a third party without the borrower 's authorization. Please ensure the authorization is provided at the time of the request. 
-- -- -- -- -- -- -- So I sent an email request on XXXX to the email address mentioned above. There was no mention of any fee for this payoff quote request in their website. 

Since I did not get response, I called the Customer Service number provided above on XXXX and asked for Pay-off quote. The agent said they are working on it and I will get in couple of days. There was no mention of any fees for this payoff quote request during our conversation. They can check the call recording. 

On XXXX I received the payoff quote by email and in that email also there was no mention of any fee that would be charged for requesting payoff quote. 

On XXXX when I checked my Freedom Mortgage online account in the website, I see that there was a {$30.00} fee that was charged towards this payoff quote request. 

This is extremely unfair to charge me a fee when there was no indication on the website or I was told about this when I spoke with the agent on XXXX. 

I called Customer service on XXXX and they said they can not revert back the fee. Why should I pay a fee that I was not told or disclosed to me earlier? I feel deceived by Freedom mortgage charging fees without my knowledge and they told me it was because of XXXX XXXX charging Freedom mortgage. So how will I know what other third parties charge to Freedom and then I have to take the hit on this? There is no transparency and this is cheating borrowers. 

I would like CFPB to look into this compliant and have Freedom mortgage revert back the {$30.00} fee.

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX RAN MY CREDIT ON TRANUNION TWICE IN ERROR!

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 11/29/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Incorrect information on your report

Complaint: Last year, my mortgage was being handled by DiTech Financial. The mortgage is being handled by a new servicer now ( XXXX XXXX ). Nevertheless, DiTech Financial is still reporting a note on my old account from their office that my mortgage was in foreclosure. My mortgage was never in foreclosure, and I want DiTech to delete the foreclosure note from their account listing, or completely remove the account from my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: SinceXX/XX/XXXX, I have attempted to get Experian to correct incorrect data relating to my name and addresses with varying success. I contacted Experian via mail and supplied evidence, a copy of my ID and utility bills. In XX/XX/XXXX, some of these corrections were made, but with errors ( See Experian Report XX/XX/XXXX ), which listed among other things, only my apartment number and city ( only ) as my address omitting the street name. I followed up with a request in XX/XX/XXXX ( see enclosed ) which resulted in previously investigated and deleted information to return, and an incorrect spelling of my name to reappear. It seems that I am back where I started, and Experian is not properly correcting and reporting previously investigated items.
I am asking for the CFPB for assistance to have these errors corrected by Experian. The information listed is not correct historical data and strangely was previously investigated by Experian and determined to be inaccurate and deleted. This came back!

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 03-06-2017 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: Hello, I am filing a complaint against Nissan Finance located in XXXX, OH for harrassing phone calls. These calls started on XX/XX/2017 and have come at a rate of at least ten calls per day, everyday to current date. The calls are starting at XXXX to XXXX ET. They are coming from XXXX mostly, however, since I am not responding they are calling from several other numbers. I have explained to Nissan that I am running behind on meeting my obligations on time each month however, have paid them each monthly payment, although late. Currently I owe one month ... but continue to receive harrassing calls. 
This company has violated the FDCPA laws by calling before XXXX & after XXXX. They are calling multiply occassions every day. I am requesting actual damages of XXXX per call due to debt collector that has & continues to violate the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receivables Performance Management is a 'supposed ' collection agency that has put an account on my XXXX credit report which is NOT MINE. I disputed this a year ago, XXXX 2014, through XXXX and it was removed from my account. 

Well, when I went this week to get a Home Equity Loan ( 100 % equity in my home and XXXX credit score with XXXX ) I was denied because of a {$83.00} 'collection ' for XXXX XXXX that Receivables Performance Management put BACK on my credit report in XXXX 2014. 

When I called XXXX and AGAIN disputed this I was told about them putting it 'back ' in XXXX 2014, and I was given the name and number for Receivables Performance Management, XXXX. I called the number numerous times and it rings and rings and then you get what sounds like an 'answer ', but it goes SILENT, no person, no voicemail, nada, zero. 

So, I got online and found ANOTHER NUMBER for them and this number just goes to a voicemail for a XXXX '. After reviewing the numerous complaints online I found that XXXX ' NEVER RETURNS CALLS. This is a total SCAM COMPANY. 

Their address is listed as follows : Receivables Performance Management | XXXX XXXX XXXX XXXX | XXXX | WA | XXXX. 

I know that you have had MANY complaints filed about this company, please, please DO SOMETHING TO STOP THEM as they are ruining people 's lives, myself included. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MA).
Issue: Wrong amount charged or received

Complaint: On several occasions, I executed regular market orders with associated " taker '' fees, as advertised on XXXX XXXX XXXX ( and on supporting screenshot ). The fee stated for the smallest volume tier ( which I fall into ) is 0.25 %, however the actual fees charged are consistently 0.3 % ( see supporting screenshot and XXXX for example transactions ). I have re-computed these fees myself over several different transactions ( from XXXX extracts provided by XXXX/Coinbase ) and the problem seems to exist on both buy and sell sides of the transactions, unfairly charging greater-than-expected fees. 

These aren't rounding errors, they're very clearly fee overcharges ( which is likely not malicious, but is depriving investors of expected monies ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Checking or savings account (Other banking product or service) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: For more than fifteen years, I have had a municipal bond account with Citizens Bank in XXXX, Rhode Island. Several years ago all my bonds matured and I had approximately {$40000.00} sitting in an account. I met with a Citizens representative at the XXXX branch office and discussed new municipal bond purchases. I questioned the representative about fees that he would receive, He explained his commission. I bought {$40000.00} of new municipal bonds. 
Several years passed. 
XX/XX/XXXX, 2017 I received a letter from Citizens informing me there was a {$75.00} annual fee for managing my account. If I did n't pay, they informed me, they would withdraw the money from my account. 
I called the information number. They told me the fee had previously been charged only to accounts under {$10000.00}, but it had been changed to under {$50000.00}. The person told me I could complain to a second phone number. 
I called the second number and left a message/ They returned my call and left me a message with the same information. 
The {$75.00} fee amounts to theft. They sold me a product for a price, and I bought it. Then they changed the price, siphoning off {$75.00} a year for the life of the bonds, reducing the value of the product I bought.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I noticed an issue with my billing with I logged onto my mortgage account online. I tried calling the customer service number I usually contact but when I tried to get a representative I was transfered to person 's voicemail. I thought there was a problem with a the system and tried calling back later and had the same issue. I left a voicemail just in case and continued to call for a few days. I then contacted the new mortgages department and asked for some assistance. They encountered the same thing and the person said they would send an email to customer service and see what he could do and get back with me. I got a call back later and was instructed of a way to get through by hitting zero and pound several times. I was able to get through and was told it was because of my account that this occured. I tried explaining that did not make sense and was then disconnected.I send an email through their online system and it instructed me to call my account advisor. She never calls back no matter how many messages you leave. I sent another email and did not receive a respond yet. I ca n't make a payment online, on the phone and ca n't get a call back. It is very scamy and they keep charging me late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX apts turned over a false debt to Southern Management In my name I do n't owe anything to anyone Yet Southern management has put this on all XXXX of my credit files

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 11/29/2017 about Debt collection (Other debt) with STERLING JEWELERS, INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: On XX/XX/XXXX I received a call from XXXX XXXX, XXXX a third party debt collector stating they had placed a lien on my vehicle. They told me I owed them {$1600.00}, but they would settle for {$740.00} and that I missed a court date in XX/XX/XXXX. I was never notified of a court date, I never received any information about a debt trying to be collected. I learned the debt was from XXXX XXXX. My bankruptcy that was discharged in XXXX XXXX, Jared was a listed creditor and was notified of the granting of discharge under section 727 of title 11 United States Code by email on XX/XX/XXXX at XXXX. During the purchase of my home in XXXX of XXXX, I had to get a judgment vacated from XXXX XXXX, the previous third party creditor hired by Jared to collect the debt. The court vacated judgment, as the debt was discharged in my bankruptcy in XXXX. The XXXX XXXX stated they placed a lien on my new vehicle purchased in XX/XX/XXXX. On XX/XX/XXXX I emailed a copy of my bankruptcy to the XXXX XXXX. Today XX/XX/XXXX I called to follow up. I was informed my account has been closed. They told me they closed my account and referred me over to criminal charges, because it did n't matter that my debt was discharged in bankruptcy, it was theft and I stole property. I called my loan company for my vehicle and I called the MVD, no lien has been listed. I 've checked with all courts, I ca n't find record of a previous court date, nor can I find any information about criminal charges. This debt is not owed, I 'm being threatened with my personal property and criminal charges.

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 explanation
Consumer complaint received 01-12-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Balance transfer

Complaint: Hello! My name is XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. I have a problem with Citibank Sears Credit Card. They offered me a Zero percent interest balance transfer with a fee that I agreed for the transfer. When I received my statement of account, they started charging me with 3.99 percent APR. When I called the company, they told me that when I encashed their check, it was a 3.99percent APR. I told them based on my coversation with their agent over the phone he offered me he offered me 0 percent APR. They told me 3.99 percent was for longer payment period and and 0 percent was for a shorter period. Since this communication was not clarified with me by the agent, I was requesting the APR of 0 percent with shorter payment period. When I called and talked to the manager, he said he can not change it. It was the fault of the agent for not clarifying with me the transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation