milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (GA).
Issue: Trouble during payment process

Complaint: Due to an illness ( XXXX XXXX XXXX ) and major sewer plumbing problems in the home in XX/XX/XXXX I got behind on payments. I notified the company and let them know I was having financial problems and I asked for a modification. The company denied my request. I put in for a second request for a modification through XXXX XXXX XXXX XXXX XXXX, XXXX who help me with financial payments. Now PennyMac Loan Service sold my loan to XXXX XXXX XXXX XXXX XXXX XXXX ( Creditor ) on XX/XX/XXXX. After PennyMac sold my loan it places my loan on hold with a dummy number through the new loan company XXXX. XXXX XXXX XXXX. ( XXXX ) while still paying PennyMac. Do n't want to lose my home from one company to the other due to not paying the new loan holder ( XXXX. XXXX XXXX XXXX. ). They sold my loan while I was in a 3-month trial with PennyMac modification and I was n't getting the total credit for payments. They said I had modifications trial base but did not take off anything, that is why I could n't clear the charges. I paid a total of {$9000.00} in late charges and payments while still paying mortgage. Bill was caught up to {$1300.00} remaining but due to interest charge, lawyers fees, and late charges. PennyMac would not and did not adjust my taxes on my home as I requested for base credit. ( My City and county taxes adds up to : {$1100.00} ) PennyMac is over charging me for my home taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My debt is from an emergency room visit that occurred after my health insurance had expired. long story short the doctor that " treated '' me failed to do a XXXX associated with the condition and symptoms i was exhibiting and i was admitted to the hospital with XXXX in the weeks following. I was hospitalized and XXXX for quite some time. The bill in question was unchecked and thus went into collections, however i was never notified of this. I have never received any correspondence through mail, email nor received any phone calls regarding my debt being placed into collections with Transworld Systems. The only reason i ever became aware of it being in collections was seeing it appear in my credit report. Since discovering it i have had it disputed and removed from my credit report only to have it reappear a few weeks later. I disputed it again and this time it was not removed. it was after this i received my first and only contact from Transworld Systems which was a letter attempting to validate the collection. In the letter it provides a website of theirs to use in an effort to resolve the issue. The website however requires registration to gain access. And registration is only possible with a registration code that is supposed to be provided prior to being directed to the website. Which was never provided to me. There is a phone number listed to contact as well which i have attempted to call NUMEROUS times however no representative has ever answered. A prompt plays and asks you to hold until a representative is available however after roughly 3 minutes and 30 seconds the prompt replays and at 3 minutes and 54 seconds the line disconnects. Every single time. The situation is asinine and i want to resolve it as my credit is being severely ruined by these shenanigans and with no way to communicate it is infuriating and incredibly unfair. I researched this company and from what i have read i am far from the first person to be taken advantage of by them. An outstanding number of reviews and testimonials were incredibly negative and if they are true Transworld Systems should be subject to legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with The CMI Group, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am monitorin g My Credit report and I contacted Credit Management   XXXX   XXXX ,  2017  @  XXXX  est. I have no contract with  them 15 usc 1692. I ask for a validation. Agent sta ted that I was n't in their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On today XXXX XXXX, XXXX I received an email from my Experian dispute stating the account I had previously disputed was updated. I contacted Experian, they told me that the creditor responded to their electronic request saying that they did n't have supporting documentation for the account, but the account would remain on my report. I asked the representative if there was no supporting documentation why would they allow it to stay on my report. He then stated the company requested I contact them myself and not through the credit bureau. On a call previous into the same department within minutes apart I asked for the method of verification and the female representative disconnected the call. The account was unverifiable but yet they allowed it to stay on my report. Experian did not really investigate this account they just sent over an electronic request of information regarding the account. I think it is very unlawful to falsely investigate an account and using the time within the 30 days to only send a electronic question for the 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 02/21/2017 about Student loan (Non-federal student loan) with Lincoln Educational Services Corporation (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Lincoln Tech promised me of getting a job after graduating in XXXX and it never happened. They did n't teach me the proper material and were very unprofessional and condescending. They left me with {$9000.00} in debt with student loans paying with interest on top of it. They did n't teach me the proper material to work in the XXXX field and rushed through most of the material in class we needed to learn for our XXXX field. Alot of students their didnt know the basic material by the time we graduated and alot of people dropped out of school while we were there. They put us in the worst internship environment that we could n't work at cause we did n't know the proper material to work there. Please have the courtesy of resolving this issue by waiving or reducing our student loans there for wasting our 2 years and tax payer money we gad to waste there

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: I have tried to pay my car note online at XXXX XXXX for over two weeks. Before they switched their systems. I had my reoccurring payment set up with my bank account for 2 and a half years with no problems. Now, my payment has been rejected two times f5rom the online process through my bank account and would not be accepted via EXXXX Debit Card or XXXX XXXX through their XXXX XXXX. I called XXXX twice and my bank twice. My bank, XXXX, says they are not rejecting any payments from XXXX ( as XXXX emailed me and said my financial institution was rejecting the payment, three times XXXX. I called XXXX twice, the first time they said that it was my banks fault and to try again, which I did. Today, XXXX I called after I received another email saying the payment I tried to give on XXXX ( third time trying ) was rejected and I had incurred a late fee. I spoke to someone in their Customer Service department, but I could not really understand her. She said my bank account information was incorrect ( which it was not ). She said she would waive my late fee and connected me to their payment system XXXX XXXX. XXXX XXXX could not accept my XXXX Debit Card, XXXX Credit Card, XXXX. I checked online and the late fee has not been waived. I am highly frustrated and super inconvenienced since I had all the information in my account previously, and now it is not working. This could affect my credit score, and I have not received any help from XXXX in regards to paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: THIS IS THE UMPTEENTH TIME THAT I HAVE REPORTED THESE PEOPLE!!!!!!!!!! THIS {$5900.00} NEEDS TO BE OFF OF MY XXXX CREDIT BUREAUS!!!!!!!!!! I ASKED FOR IT TO BE REMOVED BEFORE AND IT WAS, NOW, IT 'S BACK ON MY XXXX XXXX REPORT!!!!!!! KEEP THIS XXXX OFF OF MY XXXX REPORT!!!!!!!!!! THESE PEOPLE LIED AND SAID THEY SENT FRAUD PACKETS!!!!! NEVER GOT THEM!!!!!! AND THE POLICE DO N'T DO ANYTHING WITH REGARDS TO ID THEFT!!!!!!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX we broke our lease with XXXX XXXX. We paid in full according to the lease agreement and apartment mananger : XXXX XXXX, {$2100.00}. We have a copy of the check and the managers signature confirming lease was paid in full and we turned in the keys. The apartment complex is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX In XXXX XXXX we start getting collection calls from National Credit Systems, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX we owed XXXX XXXX XXXX {$500.00} for unpaid rent in XXXX. We told him we paid lease in full and that manager confirmed by signing receipt and copy of our check. He warned we will have negative credit reporting unless we paid or sent him proof we do n't owe it. I confirmed he had same information we have showing lease agreement and copy of check. Before this, we have received nothing in writing from the apartment complex or his agency and have been repeatedly getting collection calls all hours of the day even at work. XXXX # is XXXX. We paid this in full and have proof and so does the apartment complex, we are baffled as to why they are pursuing unlawfully damaging our credit when we have copy of early termination lease agreement and copy of check with managers signature and her card stapled to it that she gave us the day we paid her and turned in the keys.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Consumer Loan (Vehicle loan) with CONDOR CAPITAL CORP (FL).
Issue: Problems when you are unable to pay

Complaint: Tried for a few month trying to pay my car payment online ( condor capital Corp ) and when I called the number billing department in New York is not dealing with payment to call XXXX XXXX gave me new number which is now in XXXX XXXX I ask them to send information to me in writing so I can see what I 'm paying for. They told me they need will have to request from manager. and to send secure payment will except XXXX XXXX or money gram. Very confused getting run around since XX/XX/XXXX

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 01-05-2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXXloancare purchased my account from stongate mortgage. My payment was XXXX with taxes, interest, and principal. Insurance is paid in full and not inside the payment, as per the closing Docs. Upon purchasing my loan. loancare autodebited the right payment, and then then immediately raised the payment to XXXX the escrow being taken out was XXXX every month. The total expenditures from that escrow account are XXXX per YEAR. I applied for a another mortgage on a different piece of property and put my current obligations as a XXXX mortgage payment. when they asked for proof and I went into my loancare I realized that they had been debiting my account and extra XXXX for a couple of months now. I reached out to them numerous times to fix this, and even helped trace the error. Numerous times I was told that they would fix within 48 hours and drop the payment down to normal. Its been 3 weeks and nothing. When I requested an email or something in writing to show the bank that Loancare was in fact in error and they will fix it, so they do not think I lied on my mortgage application, they refused. I have a {$10000.00} deposit at risk, and I will probably lose my approval because it looks like I lied to this bank. The last person I spoke to was XXXX XXXX ID XXXX who refused to allow me to speak to a supervisor and refused to let email me anything to explain the situation to the bank I was applying for a mortgage with. That 's a big loss for a family to take because of an accounting error on their part.

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 09-10-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: this extortionist XXXX wants me to pay them for violating thier end of the cardholder agreement. 

refuses to reverse transactions-allow 4 fraudulent trnasactions wo my consent refuses to reissue card ( XXXX refuses to do it ) refuses to update address ( 3mos ongoing, mail was stolen ) refuses to ack IDT.gov report abuses my credit file to extort me for money ( a felony ) but refuses outright to deal with the matter. Ive snet over 6 emails and letters to CEO. keeps munging my accounts. will not close wo payment ( extortion ).
repeatedly " updates '' to avoid penalties w the bureaus ( as do other companies ) yet there is no paper trail whatsoever sent to me.
was never late previously but reports as such and denies me credit because THEY CLAIM I was late. I had upright law firm on retainer. THEY COULDNT COLLECT ANYWAY.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with FIRST NATIONAL BANK OF OMAHA (FL).
Issue: Problem adding money

Complaint: The account was opened on  XX/XX/XXXX  and never was provide the service by the sales person,  XXXX   XXXX  representing the merchant for the use of the credit card machine. In addition, I paid {$35.00} extra for an upgraded wireless credit card merchant processor . Again ne ver received the item. Since then the machine only functioned during the month of  XX/XX/XXXX  never again. I complained serval times to the sales rep,  XXXX   XXXX   ( ev ery month ) and was told that the company would replace the machine which never arrived and that the monthly service charges would be refunded. I was ignored and lied too continuously as no action to correct this matter was taken by the Merchant. I have also been charged an Annual fee of {$120.00}. I contacted their customer service on  XX/XX/XXXX  and spoke to  XXXX , also on  XX/XX/XXXX  and spoke to  XXXX  to complained about the Annual Fee and Monthly Charges as well as to complain about the credit card machine still not working and the sales rep not responding as promised. Both  XXXX  and  XXXX , Customer Service Reps advised that the company would refund the Annual fee and the monthly charges. I followed up again with their customer on  XX/XX/XXXX  and spoke with  XXXX  since the refund was not done.  XXXX  said that she would research what happened as their system showed I was to be refunded. She said that she would follow up with a response no later than  XX/XX/XXXX  but I never received a call back. I called again and spoke with  XXXX  on  XX/XX/XXXX  to explain the above was promised a replacement credit card machine which was received in  XX/XX/XXXX  and on  XX/XX/XXXX  the business was sold. I informed th e Sales Rep,   XXXX   XXXX  of the sale and completed a new agreement with the new owner of the business and that my lease agreement would be cancelled without penalty. The sales rep,  XXXX   XXXX  that same day the new account was signed with the new owner took the credit card machine that was assigned to me. The new owner received a new credit card machine later that week. I continue to receive calls and am being charged for services I no longer am responsible for. This unjust and criminal. As of  XX/XX/XXXX  the total amount taken from my back account is {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Medical) with Medical Data Systems, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have an account that is fraudulent that have been listed with your agency and have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Problems caused by my funds being low

Complaint: Bank of America Class Action Law Suite was settled XXXX XXXX, 2016. All funds were to be deposited into my account which they unlawfully took from me. I have received no money to date. My account dated from XXXX to current. I know for a fact I am entitled to monies in the Settlement. I contact them almost daily. They respond they have to check on it they are not sure and or no reply at all. I am XXXX and have an SSI auto deposit monthly. IT seems as though they are discriminating against me

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 04/28/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NY).
Issue: Problems when you are unable to pay

Complaint: These accounts were opened in approx XX/XX/XXXX-XX/XX/XXXX by AmeriCredit. They have since been sold to GMFinancial. I have the partial acct # of XXXX and XXXX. XXXX was paid in full however XXXX was first delinquent BY the XX/XX/XXXX. GMFinancial is reporting incorrect dates on my credit reports. There have been no activity on these since XX/XX/XXXX. Since it has been over 7-8 years from first delinquency they can not be reporting these to the credit bureaus any longer. I have attached what the report is currently showing and as you can see threy lied on dates ...

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Medical debt) with Ray Klein, Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: When Working  w  ith The Collection Agency Professional Credit Services multiple calls was made to phone #    XXXX   XXXX   XXXX   XXXX   and  XXXX . I Was told on the   XXXX   XXXX   XXXX   by  XXXX  in the litigation Department that a refund of my garnishments was sent back on the    XXXX   XXXX   XXXX   either to  my home address or my employer. This was from a call initiated by me do to the attempt From PCS to garnish my wages for a second time. This was resolved by a copy of a document I had provided by the  XXXX   XXXX  stating they had paid for the balance owed the full debt, through financial assistance. After finally verifying the letter that was a receipt of the full balance being  XXXX ,  XXXX  then explained the garnishment amount was to be returned in full.   I had received the amount of {$440.00} already handed to me in form of a check issued on  XXXX / XXXX / XXXX  and was told that I would need to wait for  XXXX   XXXX   XXXX  to contact the client before I would receive the remaining {$830.00} and when  XXXX   Had  told me of the return of that {$830.00} on  XXXX   XXXX , I had went ahead and used my credit card to make purchases expecting the check to reach my employer or my mother 's by the time I would got paid on the  XXXX . I had already called my employer immediately following my first call with  XXXX  the week prior to the  XXXX  when  XXXX  informing me the check was sent out but yesterday on the    XXXX   XXXX   XXXX   I called the payroll department to follow up on the check to see if I should  use my Credit Card anymore and that 's when I was told that the check has not been sent out yet and that PCS is still deciding on how to send it out.   I have been working with PCS Sense  XXXX  when I first received the notice of the next round of garnishments which ended up happening fo r two p ay checks and PCS immediately returned the {$440.00} when I had sent the documents through email. But to find out that I was lied to several times through multiple calls along the lines of " You are not receiving the garnishments back '' from the first full round taken in  XXXX  too " The check was sent out '' and now the result of  XXXX  's lie is there are purchases on my credit card that will become a financial burden because I was lied to which is deceiving behavior.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My loan was high on intrest and dor some reason I had to apply for more loans to be able to graduate and know.I having trouble paying these loan with ridiculous high interests..

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing statement

Complaint: I have a credit card with Chase bank for XXXX - XXXX XXXX. Online billpay was setup with XXXX XXXX XXXX, and the option to not send paper bills is enabled through that interchange. Chase for a period of 2 months did not send electronic bills, sending account into collections. The Electronic Data interchange ( EDI ) between XXXX XXXX XXXX and Chase is setup in a Push method - Chase has to send them bills. So all Chase needs to do in order to collect late fees and interest is not send bills, which they did in this case. I paid the balance and closed the account. Today I received an electronic bill for another fee related to this issue, and I received it via XXXX XXXX XXXX. So, this issue was entirely manufactured, and I can trust it has affected other electronic banking users.

Company response to consumer: Closed with explanation