milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Debt collection (Mortgage debt) with Ditech Financial LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In year XXXX, I had taken a loan amount of {$62000.00} to open up a XXXX in New York. Initially I was delinquent on my payments because my XXXX was n't doing good. In XXXX, I was approached from debt collector company called Green Tree Servicing LLC ( XXXX XXXX XXXX ) and was given the chance to consolidate {$60000.00} of my debt to {$21000.00}. I took the opportunity and paid off the debt in the following two years. I have a settlement letter and bank statements showing that money was taken out of my account. Two weeks ago, I got served with a Foreclosure notice from Debt Collector company XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) requesting an amount of {$62000.00} to be paid off or they will foreclose my home to collect the debt. I want to file a complaint against XXXX XXXX XXXX company for attempting to collect debt that was already paid off.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Hello : I have been given several forbearance and deferments instead of help by XXXX XXXX to get a affordable payment. Now they say I have run out of deferments and qualify for no repayment plan. I notified them I needed help right now because I am in process of purchasing home in program. i can get through with no one on phone like when they used to call for deferments and delaying my payments. They have taking my credit score down 77 points, I am a XXXX XXXX XXXX for 20 years in a XXXX XXXX XXXX. I have been trying to get help with forgiveness but they are continuously charging me and affecting my score and are unreachable on the phone. It unbelievable how XXXX XXXX is taking pride in destroying my credit. I asked them a month ago to take these late payments that they posted right after my forbearance ended. Every month they make my score go lower, This is terrible ... i am a single mother who XXXX and was in the process of purchasing a home for me and my children ... 

Thank you for your help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX 2016, {$200.00} was taken from my checking account. It happened at a XXXX XXXX XXXX in XXXX where my bank is Chase right next door. I was not up at XXXX-XXXX withdrawing money from my account and I would have not used a different bank when my bank was right next door. Chase denied my claim because a chip dept card was used according to their investigation, but they wo n't look at the video cameras. Does n't seem like a good investigation to me. Why would I file a police report on myself it just does n't make sense to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2015 about Debt collection (Credit card) with CITIBANK, N.A. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am the XXXX of a business ( XXXX ). I get phone calls from what is listed on my caller ID as CitiGroup with a phone number of ( XXXX ) XXXX. The call is an automated call that asks to return the call at XXXX. Upon returning the call to inform them that we are a business, I am told that we will be removed from the call list. The call comes multiple times a day but XXXX of those times is right around XXXX. This is the busiest time of the day, any day for us as a XXXX. XXXX of my staff members or myself have to stop assisting our paying customers to answer the phone, in case it is real customer. I have called the company requesting to be removed XXXX times. The last XXXX times, I have spoken to supervisors and they have guaranteed that I would not be called again and our number would be removed from the list. Additionally, the name of the person they tell me they have listed for my number is n't even the last name of anyone I 've ever hired for my business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a Notice of Intercepted Funds for a property claim I submitted to the California State Controller 's office on XXXX XXXX 2015. I had paid the debt these fund were intercepted for months prior to submitting this claim. 

The Notice states " If you were due more than the intercepted amount, you will receive a check for the remaining amount of the property in approximately 30 days of this notice date. '' The notice date is XXXX/XXXX/15As of XXXX XXXX 2015, I still have not received the amount due to me. When I call Allianceone, they keep telling me they do n't have the funds. They tell me their records show the debt was cleared months before the claim was submitted but they will not send me the money due to me. 

AllianceoneXXXX XXXX XXXX, WA XXXX ( XXXX ) XXXXXXXXMy account number with Allianceone:XXXXAnother address is : AllianceoneXXXX XXXX, WA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2015 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Credit line increase/decrease

Complaint: Tried getting a credit line increase on my Barclay card but had to go to their security to verify my identity. They initially pulled XXXX but then I had to talk a different representative and they pulled XXXX too and I want the hard pull removed from XXXX. I 'm very livid that they would chose to do a different pull from a credit report despite the fact that I had only asked for the standard XXXX pull inquiry. They did not inform me that they would n't be using the same XXXX inquiry from the same day but pulling from a different bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (NC).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: My personal check was refused at XXXX XXXX even though my banker assured me that there would be no problem writing a check from the next pack of checks than the ones that were my stolen wallet. A company called Certegy Check Services contracted by XXXX XXXX. I called the number on the refused receipt for an explanation but was given around when I asked how they knew anything about my banking situation. My drivers license number showed no information on their files. I became tired of the run around and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I believe that someone stole my identity and this loan belongs to someone else.

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 01/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended a college named XXXX XXXX XXXX in XXXX, but that school got closed. There 's no information and no transcripts. It 's like I never attended. However, they worked with XXXX XXXX, which later became Navient. The school took the money, but then disappeared. XXXX XXXX XXXX became XXXX. Apparently that school also closed. It is now XXXX College. It seems that the school keeps disappearing after taking money from a private loan. I 'm now told by Navient that I owe them thousands, but I feel the school should be the one paying Navient since they closed and disappeared. Yet I feel that Navient and that school worked together to take away from the people. They expect me to pay, which I do n't feel I should do because I feel that Navient and the school worked together to scam.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Resurgent Capital Services L.P. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a XXXX XXXX credit card XXXX. I closed the account XXXX XXXX due to high interest rates. XXXX XXXX has been reporting XXXX accounts with multiple late payments, negatively affecting my credit score. I only had one account with them. I have disputed with the credit bureau several times regarding this issue, resulting in verified and accurate. Each time I have disputed, dates have changed on the account, causing further inaccuracies. In addition, I have contacted XXXX XXXX on a few different occasions on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NE).
Issue: Loan servicing, payments, escrow account

Complaint: I was working on a modification agreement with Wells Fargo, in the middle of the process they sold my home. I thought I was receiving a modification in the doorway and I received a letter stating they had sold my home. I had paid an entire years with of payments to show financial stability, which I did. When I went to make the thirteenth payment they refused the payment. I then received a modification in the mail which extended the loan thirty more years, I questioned the validity of the extension and mailed to Minnesota from the XXXX in downtown XXXX, in the envelope provided by them. I waited and waited for a response, nothing happened. I then contacted them and they said they never received the document and letter. A long time had passed and expected something to happen, nothing did. I then called them, they explained I would then again have to go through the process once again. I submitted all the copies requested of XXXX forms, pay stubs, financials, including assets and payment made each month with, taxes, expenses, debts on auto loan. Received a letter in my door stating they had sold my home, it was going to be auctioned. You can imagine my devastated mind-set. I am confused the banking industry was bailed out a few years back to stop economic devastation. Banks were supposed to work with consumers to keep their homes not to make the process a confusing mess. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following Inquiries I have tried with all three bureau 's to get them to take these off my report because I did not authorize these company 's to pull my credit. I asked them if they were not going to take these inquiries off my credit report then to send me documents show that I signed for these company 's to pull my report. I know for a fact they can not show me I signed for a credit pull because I don't even know half of who these people are. So far nothing has been done about them and it is damaging my chances of buying a home. I have great credit if it was not for this. I keep getting the problem has been resolved and it has not. 
Here is the list : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX, PA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from 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 07/25/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: MIDLAND FUNDING LLC, HAS CONTINUED TO VIOLATE MY RIGHTS BY THEIR CONTINUING TO CALL ME EVERYDAY WITHOUT RESPONDING TO ANY OF MY REQUESTS FOR VALIDATION. I JUST RECEIVED A CALL FR OM ONE OF THEI R AGENTS STATING THAT " THEY ARE GOING TO FILE A COURT CASE AGAINST ME.   THIS IS NOT MY DEBT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2016 about Credit card () with U.S. BANCORP (NY).
Issue: Billing disputes

Complaint: An XXXX card owned by XXXX XXXX XXXX has been reporting that my autopayments have been " returned '' and fees have been added to my bill. This has been going on since the XXXX 2016 statements. I have checked with my bank and the bank reports that they have not rejected any requested payments. I have written to the company asking for the fees to be reversed and for them to accept the payments and I await a reply.

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 07/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt has been settled for over a year now. Pinnacle Credit XXXX -- an old XXXX bill that I did not owe, yet I paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been unable to gain access to my experience credit report so I can dispute an unverified alleged debt on my credit report. The company who posted this alleged collection account has not afforded me the common courtesy as required by law the ability to dispute this supposed debt and request debt validation. They just put it on my credit report. I hereby dispute this alleged account with berks credit and collection for {$70.00} dated XXXX XXXX 2016. I demand an investigation be performed and removal of this sccount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2015 about Mortgage (Other mortgage) with Escrow of the West (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Thru the purchasing of a new condominium thru auction I was required to pay to Escrow of the West my first and second half property taxes for 2014. The second half taxes went unpaid due to Escrow of the West refunding another homeowner my tax money into this homeowners impound account. Escrow of the West instead of making another payment for second half taxes is relying on this homeowner to make my payment. It is very unethical since I have no relation to this homeowner and they do not represent Escrow of the West. I gave Escrow of the Weat the money to pay the taxes and they have not followed thru. The taxes are delinquent and I need this resolved asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Been in a battle for years for a student lostudent loan I never took, in an educational institute accused of fraud in court and later closed. I had sent documents, lawyer letters, but always denied. They only have a pc of paper with my supposed signature.Ask them to take me to court. They never did, but every year they contact me reclaiming the loan money.

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 11/30/2017 about Debt collection (Other debt) with Gatestone & Co. International Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had purchased a Hotspot ( model Velocity ) at the XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX store, in full, with the unlimited plan on XXXX for {$130.00}, found that the device had no signal where I reside and returned the device under the 14 day return policy on XXXX ( within 7 days ) and was credited {$87.00}. Please see attached copy of my credit card statement. I was assured by the XXXX XXXX XXXX store employee that if I return the product and cancel at the store within 14 days that there will be no charges. I was not even aware that there was a restocking fee, as no one informed me. Please see their website regarding the 14 return policy at : https : //www.att.com/XXXX XXXX  XXXX I returned the product to the XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX store asking one of the agents to cancel the account and payed the restocking fee of {$45.00}. 

In early XXXX of XXXX I received a bill for {$140.00} and a letter that the balance will be forwarded to a collection agency ( please see attached ). I have called XXXX XXXX XXXX customer service many times, each time being put on hold and transferred to countless agents whom none of which knew how to resolve the problem. Finally after investing many days and hours I finally reached someone who was able to change the cancellation code in the system. Apparently, he said, the wrong cancellation code was used by the employee at the XXXX XXXX XXXX store where I purchased. Please refer to XXXX & XXXX recorded conversation associated with this account number for clarification. 

I am now harassed by Gatestone Collections on a routine basis even though I was assured by the last XXXX XXXX XXXX customer service representative in early XXXX that the collections account will be withdrawn. Even though the phone number is in my area code ( XXXX ), after some research, I found that Gatestone HQ is located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, ( XXXX ) XXXX. 

I sent a certified letter on XXXX XXXX, XXXX to retrieve the account from collections and cancel the debt to the following XXXX XXXX XXXX addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CEO XXXX XXXX. XXXX XXXX, Sr. Executive VP XXXX XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sr. Executive VP & CCO XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2016 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (OK).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred to a different lender, who collect my payments such principal interest, and homeowners. As soon as we got a letter from that company we decided to paid our own insurance and cancel the scrow account. That was in XXXX 2016. They has been given us the round around. First we got to proof we were paying insurance and my husband is tax exempt, which we already done that and not luck. Please help

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 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Applied Data Finance, LLC (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: on XXXX XXXX received a pre-qualified offer for a loan ... I went to their online application completed the information and was quoted a 98 % apr. for the use of money ... .A competing company quoted me 13.5 % for the same type of loan. XXXX needs to be investigated on the loan rates they are quoting people and the legality of their rates. 

this is their official offer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Months {$6500.00} 98.50 % {$260.00} biweekly 36Select Other offers you may want to consider AmountEstimated APR*PaymentsLoan Months {$5000.00} 98.50 % {$200.00} biweekly 36Select {$7500.00} 98.50 % {$300.00} biweekly 36Select {$3500.00} 98.50 % {$140.00} biweekly

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Other debt) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX sold this " alleged '' account to XXXX XXXX at XXXX XXXX XXXX XXXX, FL XXXX. I disputed this account and it was removed from one of my credit bureau. It is still on my XXXX report. I am requesting that this debt be removed from all credit bureau as no one has validated this debt and this debt has now been sold to another collection agency called, ERC ERC - Enhanced Recovery Corporation XXXX, Florida XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Toll Free : ( XXXX ) XXXX I do not have a relationship with this company and I am requesting that they remove this debt from all credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation