milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that MIdland Fuding provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have scheduled automatic payments. The payments are not going through because their system does not process the payments. I have been charged many times a return check fee, and I have to manually make payments.I need full refund on {$20.00} x number of return check fee and the system to process my {$50.00} payment on schedule. The interest of 9.9 % is inhumane, borderline slavery and an embarrassment to all of mankind. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XX/XX/XXXX Nelnet reported to the credit bureaus that I was 90 days delinquent on my loans. I was only working part time as a temporary employee and did not even know it was time to start paying the loans. Once I realized what happened I applied for a deferment. They deferred my loans and backdated the deferment to XX/XX/XXXX to last until XX/XX/XXXX, but kept the late status on my credit reports, thus causing my credit rating to drop drastically and not allowing me to get a loan on a house when I became full time status on my job in XX/XX/XXXX. I have not been able to get a reasonable car loan, cell phone plan, etc., since that time, even though it is out of deferment now and I have paid every payment on time. I asked them on multiple occasions to please take this off of my report and they refuse, stating it is a law, but it is not and now my credit will remain affected until some time XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: American Express contacted my work after I had asked them not to call my work number as I am not allowed to receive those calls at work. They called the main line and then informed my assistant that they were AMEX looking for me. I had asked them already to remove my work number several months before that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2017 about Debt collection (Medical debt) with Sequoia Financial Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: At the time services were rendered I was notified by the nurse that I did not have a co-payment for urgent care services. After checking my insurance she indicated that she was unsure and if I was ok with at least paying {$50.00} to cover it just in case but that no other fees would be associated with this. I never received a letter or bill from the urgent care facility nor did I receive anything from the financial debt collector. I called and spoke to XXXX at Sequoia financial and asked why I was placed into collections he indicated what the debt was for but had no paperwork or any evidence to support the claim. I still have not received anything. We exchanged words and I told him how the admitting nurse told me the {$50.00} co-pay was supposed to cover my visit yet he still was not able to provide additional information. A month or 2 passes and I get a prank phone call to my house from the police station indicating that someone was being held up in my house at gun point being robbed and locked in a closet. This happened on XX/XX/XXXX. The police responded to my home and I could see and hear someone who sounded like XXXX across the street in a black SUV which indicates to me he made the false claim. The police were unable to trace the call back to the originator as it was a masked phone number made from a computer. Not sure why a collection employee would perform such acts however this is still on my report and all other credit agencies have removed it except for XXXX because Seqouia indicated it is a valid debt. I can not be held responsible for charges I did n't approve or tell them to bill me for. I paid my co-payment in full at the time services were rendered and then received an erroneous collection on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Consumer Loan (Vehicle lease) with Optio Solutions, LLC (CA).
Issue: Managing the loan or lease

Complaint: XXXX/XXXX/2015 QCS ITEMFEE CK RETURN FEE ID XXXX CO QCS ITEMFEE CK ACH ECC PPD ACH Trace XXXX {$25.00} {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Payday loan, title loan, or personal loan (Installment loan) with SECURITY FINANCE CORP (MO).
Issue: Problem with the payoff process at the end of the loan

Complaint: The issue im having and so are a few other people with the loan company " Security Finance '' is that they are not reporting anyones credit. They claim its corporate wide with some kind of system issue, which its been like this since XXXX or XXXX. Ive taken out 2 loans one from them and another from " XXXX XXXX '' which XXXX XXXX has reported monthly and also that ive closed the one from them. Security Finance however has not reported even once since ive been with them but yet they can make a hard inquiry on my credit for a 2nd loan, and still not report any of my on time payments. 

There are also many complaints online everywhere about them not reporting anyone 's credit this year..

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 03/19/2018 about Debt collection (Credit card debt) with Radius Global Solutions LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/18, I received a communication from XXXX XXXX XXXX XXXX in an attempt to recover a debt on behalf of original creditor, XXXX XXXX. Contents of letter indicated they were offering to settle the debt at 35 % of balance owed over the course of 24 months. 

I called the office notated on the letter to offer to pay the settlement offer outlined, in full, via bank check, provided they send over a letter, on company letterhead, outlining the following : 1. Verification of debt 2. Verification of authorization to collect debt on behalf of XXXX XXXX 3. Terms of settlement offer 4. Next steps for discharging debt/judgement with XXXX XXXX attorneys ( Satisfaction of Judgement ) The original call center rep, XXXX XXXX, attempted to collect information irrelevant to the settlement offer I was agreeing to pay in full today, such as employment information, why I was in debt, what I am doing to prevent it, as well as information to secure a post dated check from me, or bank routing details. 

I further confirmed that I will await settlement terms above in writing, and upon receipt, will send full settlement offer via Bank check. They seemed unwilling to entertain any conversation that did not entail passing them my personal banking information. 

After conceding to sending the above letter to me via overnight mail, she put me on hold to verify with her floor supervisor, XXXX (? ), who then took the line and proceeded to argue that they would not verify in writing that they are authorized to collect debt or authorize settlement. 

After further escalation to his supervisor, whose name I did not catch, I was told the same, argued with, and essentially prevented from paying the outstanding debt if I would not do so without written verification of settlement terms and verification of authorization of their agency to collect. I was told to contact XXXX XXXX and figure it out myself. 

Further, this agency has contacted various parties outside of myself in attempt to collect debt, and without the above verification, I have requested they cease and desist and further communication, via any channels. 

I then contacted XXXX XXXX to discuss alternate means of settling said debt directly. They opened an internal inquiry/complaint against XXXX XXXX, as they are their contracted firm, and will be outlining to this agency that they are to follow the request I have made in order to settle the debt, as it is reasonable and to the letter of the law, and will alternately consider leveraging a different third party collection agency to settle said debt on their behalf.

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 10/23/2017 about Debt collection (Other debt) with I.C. System, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the debt to the collection company and they keep hitting my XXXX cerdit with new accounts and say that that new account is not payed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This account is a charge off which means the balance is reporting incorrect. I have tried to dispute but it came back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: Seterus is a lying company and they lie that they reply I would like from them to see this ; 1.Seterus must  provide a clear Mortgage Note with my name on it. I am not on the mortgage note and my name XXXX XXXX is not on it. 2. I would like to see a document informing me in 2016 that there is a foreclosure on my property. Everything was done in a top secret close door without anybody being informed which is illegal in any country. XXXX. I would like to see an official document informing as required by law in PA about action of a property including my name on it The sale was for only {$1000.00} which is less than the cost of the refrigerated and there is {$74000.00} stolen items from the house and there is {$260000.00} total loss which is not being financed by institution since they are my private property. I would like Seterus to provide a clear document giving them permission to defraud my property. Everything was done without any court document or order between XX/XX/XXXX until XXXX XXXX, 2016. The company directly responsible for all the illegality which took place is law firm XXXX from New Jersey. Seterus is lying when they say that they responded.I would like to see the repose to those specific question mention in the complain and not their lies. Time for lying is over.CFPB has now specific question Seterus must reply not lie that they responded

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Billing disputes

Complaint: I have been with Capitol One for almost two years now and have never missed a payment. However, I was offered a higher line of credit twice. I started with a {$500.00} credit limit than {$1200.00} and now {$1800.00}. I had a balance of $ XXXX.due XXXX, 2015 of which I paid {$78.00} on XXXX XXXX which left me with a Zero balance owed. Minimum payment was already paid. I also paid {$65.00} XXXX XXXX and {$55.00} XXXX XXXX. ( Interest ). which left me with a CREDIT of {$200.00}. I looked at my account balance last night and from the {$200.00} was as deduction of {$32.00} and that amount? was transferred to my balance owed causing my balance to go back up to {$1600.00} and line of credit reduced to {$160.00} with a INTEREST CHARGE of {$55.00} Due XXXX XXXX, 2015. ( How can Capital One Increase my Balance by taking a payment before it is due and making my balance higher before the DUE DATE? I have not made any purchased since XXXX 2015.ZERO!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX XXXX XXXX XXXX send me a letter stating they will be the new owners of my loan instead of XXXX XXXX. The servicer of the loan is PHH Mortgage Services. 
This is to inform you that PHH Mortgage services with other mortgages companies listed below are trying to foreclose o my house. Sale date is set for XX/XX/XXXX. 
In the attachments you will see the monthly statement I receive has your name on it not all those other banks listed below. 
I 'm requesting you to supply me the following documents please : California Homeowners Bill of Rights, Mortgage in General-California Civil Code : 2923.55 and 2923.6 and 2923.7 and 2924.9 and 2924.17 and all other Civil Codes that applies. 

1 ) Copy of the Note2 ) Deed of Trust3 ) Assignment of Mortgage4 ) Substitution of Trustee5 ) Notice of Intent to foreclose6 ) Notice of Trustee 's Sale for XXXX ) Wet Signature because of ROBO SIGNING8 ) The Letter Fair Debt Collection Practice Act ( FDCPA ) 9 ) Explain Secularized Loan10 ) Explain Silver State Financial involvement11 ) Explain XXXX XXXX involvement12 ) Explain XXXX XXXX Bank involvement13 ) Explain XXXX involvement14 ) Explain XXXX XXXX XXXX XXXX ) Explain Mortgage Electronic Registration System involvement

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Furnishing Certain Deceptive Forms 15 U.S. Code 1692j ( b ) - Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for  failure to comply with a provision of this subchapter. 
15 USC 1692g - Validation of debts 15 USC 1692f - Unfair practices 15 USC 1692e - False or misleading representations 15 USC 1692d - Harassment or abuse Experian Report no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 01/24/2016 about Bank account or service (Other bank product/service) with FIRST NATIONAL BANK OF OMAHA (MN).
Issue: Making/receiving payments, sending money

Complaint: in XXXX of 2015 I received a phone saying I was behind in my XXXX air credit card payments. this was very shocking to me since I have been on auto pay for years and have never had a problem. 
the representative said they were from first bankcard of Omaha. I was also told that they bought my account from XXXX bank. through conversation I found out that when they made the purchase they did NOT transfer any of the auto pay data and that I was 3 months behind and had to make a {$2200.00} payment immediately. of course I freaked out!!! I was never informed of any of this. I do n't read the bill, that 's why I 'm on auto pay. I paid the bill, and worked with the service person on restoring my auto pay feature sto avoid this in the future. 
XXXX 2015 this repeated again with a threat to sue me for the money that I thought was being paid. 
I told them about the XXXX problem, they said nothing was done. I complained that they were acting irresponsibly and this was a trick of some type and told them I would have my attorney contact them. They would n't even talk to them. 
now they hired attorneys to sue me for a problem they created by being incompetent. I 'm not arguing about the money owed. I 'm complaining about the lack of responsibility of there actions that are now causing me damage for no real reason, other that poor banking practices. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (I do not know) with Penn Credit Corporation (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/2016 I was contacted at phone number XXXX, by Penn Credit, looking for a person named XXXX XXXX. I advised XXXX XXXX that I never heard of XXXX XXXX and that Penn Credit has the wrong phone number for that person. This is the second phone call from Penn Credit looking for XXXX XXXX. On XXXX/XXXX/2016, Penn Credit was previously advised that they have the wrong phone number for XXXX XXXX and to please stop calling XXXX. Please advise Penn Credit to stop calling my home and to update their records, Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (I do not know) with Harris & Harris, Ltd. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Since XXXX the XXXX XXXX of XXXX XXXX ' has called my home phone number XXXX times. The robo call stated they are a debt collector and ask for a return call. During this time I have noted XXXX phone numbers. Today I returned their call, the first XXXX numbers are no longer working numbers and the newest one XXXX is a number that does not have a voice mail box set up yet. Due to these robo calsl I have to allow my answering machine to handle all incoming calls. This has the effect of denying me the unrestricted use of my home pone. My home phone number is on the 'Do Not Call ' registry.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with CITIZENS FINANCIAL GROUP, INC. (FL).
Issue: Problem with the payoff process at the end of the loan

Complaint: I moved in XXXX of XXXX to Florida. In XXXX of XXXX, I closed my checking account with Citizens Bank. I then received a note date XXXX XXXX, XXXX, that said I owed an additional amount of {$300.00}. I asked why and they told me that they processed bills to my account. I asked for a statement of those payments, and was denied. I was then told I owed additional money on top of that statement and that I now owed them {$330.00}. Which I then paid to close the account. I then received a call and was told that I owed them {$1100.00} in XXXX of XXXX. Which I sent a check to the address that they gave me. I was called twice after that and told I still owed that amount. Next I received a mail from them stating that I owe {$80.00} for late payments. I complained and they stated they would waive the fees since I had paid the earlier amounts. However, they have called my home 3 times since then and today I heard from my elderly father that they called him about it. This is unbelieveable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: ocwen loan servicing llc got my mortgage transferred fromXXXX XXXX .when ocwen sent my first statementthey added a {$2800.00} fee. my account should be reimburst for any and allfor any and all costs.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I noticed my credit score decreased by a significant amount, from XXXX to XXXX on TransUnion. I called and they told me to go online to XXXX. When I got there and put my information in, I was unable to see my report. The person on the other line told me he would look up my report, and after looking at it he said there was an " error 219 ''. A mismatch due to multiple files on my report. He transferred me and said another person could help me. When I reached the next party, he said there were multiple files on my report and asked ME what I wanted to do about them. I said I did n't know what to do about the error. I was told this is what could be impacting my score and I wanted to know what they 're going to do about it. I was then transferred to another department where I was put on hold for an hour. After an hour I hung up and tried again to get the same question, " what would you like us to do about this error? '' Then he told me the department we needed closed at XXXX ( we were on hold from 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 non-monetary relief
Consumer complaint received 12/23/2016 about Debt collection (Credit card) with NELSON AND KENNARD (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Nelson and Kenard is agresively attempting to collect debt for XXXX XXXX XXXX. When I requested them to validate these debts I got NOTHING back. At the same time XXXX XXXX XXXX validate the ownership of this debt ( see attached letter ) and stated they were NOT connected to Nelson and Kenard .... Nelson and Kenard asked for financial statement in order " to help me negotiate and settle this debt '' after providing them with all of my personal information I got NOTHING back ... is this even legal to do? ... XXXX XXXX XXXX still has the ownership of these credit card debt notes and I was advised to settle with them. However Nelson and Kenard has NOT stopped harassing me, I can never speak to the same person and have to give them my personal info ss # date of birth and etc over the phone to the secretary before I can be transferred to someone .... who knows what she does with my identity and why am I required to shout out my social over the phone to someone I do n't know ... this is a violation of my consumer rights and privacy this must be stopped!

Company response to consumer: Closed with explanation