milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2016 about Debt collection (Mortgage) with Northwest Trustee Services, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Charged fees in excess of allowable XXXX non-judicial foreclosure fees of {$1500.00}. Did not repsond to mediation request or verify with lender that information was correct. Wrote wrong borrowers names on Notice of Default and failed to respond when notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KS).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was supposed to have income based repayment because I lost my job, but suddenly I started getting default statements. I put all of my loans into consolidation with XXXX and while they were in the process of consolidation Navient pulled XXXX of my largest loans and placed it into " recovery ''. Now all of my other loans have been sold to the DOE and I 'm being harassed by collection companies for the one loan Navient took.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Medical) with CREDIT BUREAU OF NAPA COUNTY, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid XXXX medical bills on XXXX XXXX XXXX, for XXXX medical services at the XXXX of XXXX XXXX hospital, XXXX, with XXXX XXXX XXXX. The XXXX medical services were on XXXX/XXXX/XXXX and XXXX. The bills were for {$810.00} and {$470.00}. I paid these bills in full via a debit card transaction on XXXX/XXXX/XXXX. This was after I had a conversation with Chase Receivables who informed me that the bills were unpaid - and I promptly paid the bills. Despite this I have continued to receive REPEATED harassing calls from Chase Receivables saying I still owed the money, despite my telling them that I have paid the bills. This is both intolerable and totally unacceptable. I attach a receipt for payment from the hospital and a screen grab of my debit card transaction paying the bill.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Making/receiving payments, sending money

Complaint: I found out that a loan I had was with a lender that is void in my state, and that the loan that I had with them was considered void in my state. I notified the lender, XXXX, that the installment loan online I had with them was void in my state, meaning that it should never have been offered to a resident of my state. I also made a letter out to my bank, Wells Fargo, notifying them that the lender was not authorized to debit from my account, and that I wanted them to return monies sent to the originating institution ( lender 's bank ) and to give the ACH transcript for that originating bank. 
I called the bank to see how to and where top submit my letter on XXXX XXXX. I was told that I had to file a claim over the phone with the bank, which I did, and I asked if they could attach my letter and other documentation to the claim filed so that my request was also in writing. I faxed the letter to the claims department as I was told to do. 
When I called to called to check on the status of my claim, XXXX XXXX, I also asked to be sure that they had received my documents and letter that was supposed to accompany the claim. The woman I talked to said that she did n't think the investigator has actually looked at or read the letter or other documents, so she said she would send it again with a note, and that I should call back the next day, XXXX XXXX. 
When I called back on XXXX XXXX, I spoke to a different person, who said that they denied my claim. The banker from the claims department stated that they could not reimburse me because I had signed a contract ( even thought the contract with XXXX is null and void ) and that they had nothing to do with the matter. To get my funds back, I would have to contact the lending company directly. She said that Wells Fargo had rules they had to abide by, and that they had even if the company was working illegally, that they ( Wells Fargo ) would have nothing to do with it. I also never received the ACH transcript that was requested, so that I could request the funds from the originating institution that facilitated a void loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Regarding : CMRE Financial Services Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX In XXXX, I had XXXX and received a bill from the XXXX XXXX XXXX XXXX XXXX, XXXX. I overlooked paying the bill, which was referred this service. Earlier in XXXX, I negotiated a settlement with CMRE and paid the bill in full. Since that time, I have continued to receive harnessing phone calls from them requesting payment. When I spoke live with their representative, they told me that there was a mistake and they would remove me from their system. 

I believe these calls were an attempt to get me to pay more money to them after we have already settled.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Recently, I found a collection on my credit report from the XXXX XXXX which is already over 4 years. 

They have called me anytime including weekend and sent a letter to threaten me to pay for it or put a collection which has been passed a long time ago. 

Pennsylvania, the creditor has four years from the date of the last activity on the account to file a lawsuit against a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home on XXXX XXXX, 2014 with New Penn Financial. In the mortgage document that was executed was an automatic payment enrollment form that states that I can have XXXX Mortgage Servicing ( New Penn 's mortgage servicing arm ), withdraw funds from my checking account biweekly on the start date that I specify. I specified XXXX XXXX. ( By having funds withdrawn bi-weekly, I pay down the principal faster. ) XXXX did not withdraw on the XXXX but waited until the XXXX. I objected that the XXXX was out of sync with my payday and that I wanted the agreement honored. They stated that they only draft accounts on XXXX dates each month and that I had no choice what date they drafted. When I objected they took me out of the biweekly withdrawal program and charged me a late fee. 

I 've been paying biweekly on my paydays since but because I out of sync with their schedule they charge me a late fee plus I am not getting the principal advantage because they do not honor my payments a paying down the principal. To get this advantage they say that I 'd have to pay an additional XXXX up front. 

I want them to honor their agreement, deduct my account on the date specified in the mortgage agreement, and credit my account with principal pay down. 

I 've filed XXXX Better Business Bureau complaints and they 've failed to respond to either. 
They call to remind me that my payment is late every month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2017 XXXX did n't verify me by the last XXXX of my SSN. He did n't provide the mailing address of the creditor when I asked. He said he did n't have it. I asked if this was on my credit and he said he did n't know. He told me I did n't have to mail a dispute letter since I disputed the debt verbally over the phone. 
On XX/XX/XXXX XXXX did n't verify my last XXXX of my SSN. She told that it was n't a requirement. She told me that my account status is not in dispute because I did n't mail a letter stating I was disputing the debt. I told her that the previous rep told me that it was n't necessary. She said she was n't able to provide the address to the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent several letters to Experian disputing items on my credit file that do not belong to me. The Inquiries was one of them. I was a victim of identity theft and somehow my personal information was stolen. Please help me to get these unauthorized inquiries remove from my credit file. Please remove unauthorized Inquiries from XXXX XXXX to 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 02/26/2016 about Mortgage (Other mortgage) with Seterus, Inc. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company is reporting that I have late payments during the time they were processing my modification. ( XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 ). I did not make late payments, I made all payments before they were due. Please see my attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: over the period of several years we have experienced a number of income changes and asked to have loans reduced to income adjusted. Being compensated by 100 % commission, we have had months where the money was not there to make the required payments. Therefore, we have been placed on forbearance numerous times. This has caused the student loans to accumulate to the point of no return. Right now the monthly payment is {$4900.00}. The overall balance as of XX/XX/2016 was {$440000.00} at an interest rate of 7.75 %. This is beyond manageable. I am XXXX years old and will never see this loan paid off. I stay in touch with Navient but they offer NO assistance other than " we can put you in forbearance ... I need help and have nowhere to go. This debt has been accumulated from loans taken to educate our XXXX children. No school or provider was ever interested in any type of student aid. This was the only option.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This company XXXX wanted to check my credit report and I did not give them permission to do that XXXX XXXX sent me an alarm email to let me know this was on my report with XXXX credit bureau and not XXXX. This is the name that made that inquire XXXX XXXX XXXX there phone number is XXXX XXXX XXXX XXXX XXXX, FL, XXXX. I did not give them permission to check my 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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Amsher Collection Services, Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX, 2017, I spoke with Amsher to dispute the XXXX account. I explained to the manager that I did n't owe {$1000.00} to XXXX and that I had never received the itemized bill proving to me valid charges. The supervisor said that she would file the dispute with XXXX and make sure that they send alleged charges to me. She also stated that I would not be reported to the credit bureau. Instead I was reported to all bureaus without a thorough investigation of the charges. I do n't owe XXXX {$1000.00}. Please have them remove this item from my report. 

In that same day you send me a notice telling me you could n't serve XXXX. I advised XXXX the manager that I file a complaint with your office but it could not be served On XXXX. She advised me to give their address. The same day, after being told it would be investigated, they put it on my credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not secure my information properly and it was hacked and stolen. I am not in fear of having my identity stolen. I have spent a lot of time and money now signing up for credit fraud alerts and credit freezes.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Weltman, Weinberg & Reis Co., L.P.A. (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have a complaint aga inst Weltman, Weinberg & Reis , Co, LPA a  debt collection firm. My husband had a judgement entered against him for a credit card debt owed to  XXXX  cards. On  XXXX / XXXX /   2017  a execution for attachment was ordered to collect on the debt. On  XXXX / XXXX / 17  a attachment/interrogatories was served to  XXXX   XXXX   XXXX   XXXX , where my husband an I own a joint account .At this time  XXXX   XXXX   XXXX   XXXX  froze our joint bank account ( at this time the law firm was contacted and offered to settle the debt but was denied ) On  XXXX / XXXX / 17  the Interrogatories was answered and returned with a Certificate  of Service and  is on file at the  XXXX   XXXX   Prothonotary 's  office. My complaint is this judgement is solely in my husbands name, and from my understanding under Pennsylvania law a joint bank account falls under the " tenancy by the entireties '' and because the judgement is not in both our names the account can not be frozen. I have contacted both  Weltman,   an d Weinberg & Reis , Co, LPA an d  XXXX   XXXX   XXXX   XXXX  on this matter. I waited to contact  Weltman and Weinberg & Reis , Co, LPA to gi ve them time to resolve the issue, however the account remains frozen. I contacted the law firm on  XXXX / XXXX / 17  and was told they were in contact with  XXXX  and the issue was being resolved, however, this was not the case, as I spoke with bank manage the same day. The law firm had also issued a attachment/interrogatories to  XXXX  other banks,  XXXX   XXXX  and  XXXX  bank, which neither of us have accounts with. On the same day  XXXX / XXXX / 17  the law firm did contact the  XXXX   XXXX  prohonotary 's office and had the attachment discontinued on the  XXXX   XXXX  account only. I have tried to make contact wi th Weltman and Weinberg & Reis but they will not return my call. Any help in this matter is appreciate d.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Billing disputes

Complaint: My credit card payment with Capital One is due on the XXXX of each month. While having this card, I 've paid it off XXXX and I 've made all payments before the due date. This month ( XXXX ) I called the credit card company and made the payment from my checking account with a representative. I was informed that my payment was late because of their XXXX cut-off time to receive payments. My problem with this matter is the fact that the credit card company received the funds from my account on the XXXX, they will not post it until the XXXX or XXXX before XXXX. How is it legal for a company to receive the funds for an account and withhold posting to that account?

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-03-2016 about Consumer Loan (Installment loan) with Houston Finance Co. (TX).
Issue: Managing the loan or lease

Complaint: Houston finance has been paid off and closed since 2012 and I disputed this account with the credit bureaus and it came back as reported accurate. This account is reporting that it 's 120 days past due and that is impossible if it 's paid off not to mention it was never to the 120 days late. This account is affecting of my credit report and credit rating by inaccurately reporting the status as 120 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Consumer Loan (Personal line of credit) with First Associates Loan Servicing LLC (CA).
Issue: Account terms and changes

Complaint: XXXX did not meet their delivery timeline. So I cancelled the order and they continue deduct money from me in XXXX 's when i cancelled XXXX XXXX. They are looking for me to jump through hoops for my refund, while they continues to take money out of my account. I have instructed the bank to place a stop payment for this debit. Called today and they are requesting after two months and no refund to send bank statements to show they have my money and it two month later.

Company response to consumer: Closed
Consumer complaint received 09/20/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Company calls and does not provide name. It is a robo call that says I will " be sued on my social security number if I do not call immediately. '' I called them back quickly. Original calls receive two years ago from same company claimed it was on an XXXX debt 16 years old, new calls claim its on a Capital One debt 3 years old. When I questioned them, they said yea Capital One took over XXXX. They say I can pay them now or be embarrassed when the sheriff comes to my job to visit me. They used my old married name from 4 years ago and not even my current name so it can not be 3 years old. I do not and never had a card from XXXX. I even pulled a credit report first time they called. Nothing shows up at all for this collection agency nor the creditor that I claim to owe. I asked them to stop calling and they said fine then we will have the sheriff come visit you. They are aggressive on the phone and when I ask questions they say you know you owe money, cut me off mid sentence and tell me to pay. Last time they called me a dead beat.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Beneficial continues to deny the assistance requested with our account and to compensate us for our time and the lack of customer service and the ongoing damage it has done to us. The following are the issues that have not been resolved : On XXXX XXXX, XXXX Beneficial/HSBC erroneously sold our home mortgage to the XXXX XXXX XXXX Master Participation Trust by labeling our account as in default, and/or a distressed loan in trouble. Not only were we not behind in payments we were ahead. As soon as XXXX began servicing our loan we contacted them to let them know that false information had been provided on our account by Beneficial. When XXXX informed us in XXXX XXXX that we were behind in payments we called the customer service number and let them know this was not true and we lodged a complaint. They indicated at that time that Beneficial 's records were a mess and it would take time to sort things out. We had been trying to get Beneficial to correct their mistakes prior to them selling the loan to XXXX XXXX. They did not complete any work to address their mistakes. 

Question 1 : Why was our mortgage sold as a loan in default to XXXX XXXX in XXXX XXXX? 

In a letter dated XXXX/XXXX/XXXX XXXX XXXX of HSBC included records of our account that show the XXXX/XXXX/XXXX payment was made on XXXX/XXXX/XXXX. In a letter dated XXXX/XXXX/XXXX XXXX XXXX included a copy of a letter dated XXXX XXXX, XXXX that states " There was a reconciliation completed on your account on XXXX/XXXX/XXXX. After the reconciliation was completed, your account was due for the XXXX/XXXX/XXXX payment and the remaining amount needed to complete this payment was {$1600.00}. The full payment for the XXXX/XXXX/XXXX due date was not received until XXXX/XXXX/XXXX. '' This is in direct conflict with the XXXX XXXX reconciliation, and the XXXX XXXX records that were sent post " XXXX XXXX reconciliation audit. '' Question 2 : Why was the XXXX payment erroneously applied to the wrong date in our account? 

Question 3 : Why were the reconciliations of our account ignored? 

Question 4 : Why did you tell the NYS Attorney General and the Bankruptcy Court that our payments were up to date and then tell us we were in default? 

A document is attached containing our payment history of our account with Beneficial ( Beneficial provided this document to XXXX and XXXX has asked that Beneficial provide an explanation. ) We need clarification on the following : See attached for remaining complaint information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: I am livid of the way SLS has handle my loan, in order to prolong my case further more behind. I have summited a complete modification packet for review. However the account where I deposit my husbands contribution and the rental income I am collecting, is a savings account I open with XXXX. This bank can only provide me with a statememnt every six months. I have fax SLS my history of transactions showing the contribution and rental being collected. But SLS is refusing to use my Transaction history because they want an actual bank statments. I have provinded all that I can and now SLS is stating that all my documents need to be in before XX/XX/2016. If not my file will be close, I belive SLS is doing everything in their power to deny my loan once again for any assistance. I am in desperate need of assistance I am fighting to stay in my house.I have summited a letter from my bank XXXX explaning the reasons.

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 04/24/2015 about Debt collection (Medical) with SYNCHRONY FINANCIAL (MD).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I never received any communication regarding the debt. Had I been informed of the debt it would have been taken care of.

Company response to consumer: Closed with explanation