milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2015 about Debt collection (Medical) with State Collection Service, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I dispute this debt because my XXXX machine is paid off completely and has been over-billed and paid for based on previous correspondence with XXXX and XXXX XXXX. This was paid for in 2013 and now all of the sudden they are trying to get us to pay for it again. 

XXXX XXXX confirmed that the XXXX rental was converted to a purchase on XXXX/XXXX/2013 and was paid off, at most I would ever owe the insured percentage not covered by insurance which would be less than or equal to {$83.00}. This amount was covered by my original payment to you. This information was verified on XXXX separate occasions by XXXX XXXX employees XXXX, XXXX, and XXXX. 

Furthermore, my {$500.00} deductible was met after 3 months of rental payments and thus the remaining payments should have been billed to and paid by my insurance, XXXX per their policy and the pre-authorized agreement. 

I have spoken to this company multiple times and they have stated they will resolve the issue and instead of resolution I get another bill and it has been sold to a debt collection agency. This is beyond unprofessional and is a fraudulent attempt to steal more money from myself and the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX is reporting a different amount owed on each credit report. Non of the balances are the same and they each differ some by over {$2000.00} in balance. I 've sent letters in the past asking them to correct the issues but the balances still remain uneven. XXXX just removed two of the loans but XXXX and experian has not.

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 08-11-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my mortgage in XX/XX/XXXX for 15 years with CitiFinancial Mortgage Co., Inc. The note had a Timely Payment Rewards XXXX which would drop my interest rate by 0.05 % if I completed with XXXX conditions. Good Payment History ( never being late ) and the $ XXXX. Loan Equity Builder where I sent in an additional {$100.00} every month which would result in my note being paid off in 8 years and 8 months, ( per Loan Equity Amortization ). This would result in my note being mature on XX/XX/XXXX. I have been watching the balance owed and noticed that there was more owed on the note than should be. This began several phone conversations with Citi and then I began corresponding in writing. When Citi applied the above mentioned Rewards XXXX, they changed the amount of monies that were being applied to the principle therefore extending the note by ten months. If you take the difference in the XXXX month of the note and apply that to the principle, then my note would have matured this past XX/XX/XXXX. Citi states that they did not apply monies incorrectly and they changed how the principle/interest is applied. I think this is a breach in our contract. I have several letters of conversation back and forth between Citi and myself, which I will attach.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with DISCOVER BANK (NY).
Issue: Other

Complaint: i was a victim of a lost credit card that was used in another country and when the charge went through it was associated with a phony address i have never been associated with. Lost my passport in which was reported to proper authorities and proof of loss reported given to discover along with valid dr notes to prove i was XXXX when fraud happened, Discover called dr offices to confirm my appointments but under the HIPA LAW THE doctors or nurses are not allowed to give personal info on where and what therapy i have had but my legal note were good enough for them they had me guilty before i could prove my innocence and would n't put me on a three way call with my dr to confirm i was at the dr when the fraud took place and accused me of tampering with the dr notes. I also had proof i reported my passport lost they did n't care less i want proof of the debt and want to see the credit card slips with my signature on them. Also i was screamed at by XXXX managers of the fraud dept and was called right out liar i will not be spoken to in this manner. I BEGGED THEM TO RESEARCH IT MORE AND BEGGED THEM TO CALL DR PUT US ON THREE WAY CALL SO I CAN GIVE PERMISSION WITH HIPA LAW LET THEM RELEASE INFO TO DISCOVER THE DR OFFICE THAT IS. DISCOVER BROKE THE LAW CALLING MY DOCTORS AND REQUEST PRIVATE PATIENT INFO ITS AGAINST THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: To whom it may concern We are sending this letter after speaking to one of your representatives and she advanced us to do so. 
You guys increased our mortgage payment without communicating with us! We found out through our credit score tracker. We have been paying our mortgage on time every time. However we had no idea that you guys had increased it. Please take this inquiry out of our credit as it has affected us very much. If you see our payment history you will see that we have never missed a payment. 
We have never received any phone call, email or a letter indicating this increase. 



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 04/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My original loan was sold to a new company who doubled my interest rate which in turn doubled my monthly payment to an amount I can no longer afford.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX XXXX Court House and XXXX XXXX XXXX XXXX XXXX told me that my Tax Lien has been extinguished from public record. I have been sending in documentation that they gave me to give to the credit bureaus to have them delete it from my credit report. Experian keeps coming back saying that the Tax Lien has been released and that 's it. I have been back to the city to verify this a few times and they tell me that this Tax Lien needs to be deleted and that they do n't report to the credit bureaus, so there 's some outside source supplying the wrong information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collection agency has a false statement on my file about a returned check. I called this company and they told me they did not have the check. I called my bank they told me they did n't have it and called the company the check and they told me they had no record of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2016 about Debt collection (Credit card) with NARTEY LAW GROUP, LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The company 's response is not factual. My initial agreement ( attached ) in 2011 was with Kramer Linkie and Taylor, not XXXX XXXX and XXXX. As I stated, XXXX turned the account over to Nartey Law Group without notifying me. When my checks were retuned to me, I called XXXX and they answered the phone as Nartey Law Group. When I asked them about my account, they had no record of me or any payments. That 's when I decided I had better hire a lawyer. I then provided cancelled checks and we agreed to resume payments to XXXX, not XXXX. Then several months later, I received a letter from XXXX stating that they would garnish my account if I did not send them payments. I had never heard of XXXX. I then called XXXX and they told me the account was being handled by XXXX. I then called XXXX again and they said they had no record of me or any payments. I then called my lawyer again and we still do not have a resolution. I asked for a written confirmation from XXXX that clearly stated that my agreement was with them, not XXXX and that my payments would be properly applied and reconciled. I still do not have any confirmation, though I have continued to blindly make payments to XXXX because I do not want my account to be garnished and I do not want to incur more legal fees. I want two things : I want a copy of a written agreement transferring the account from XXXX and XXXX, and I want credit for {$1200.00} in legal fees I have incurred because of the incompetence or negligent handling of this account.

Company response to consumer: Untimely response
Consumer complaint received 10/20/2015 about Mortgage (Other mortgage) with RoundPoint Mortgage Servicing Corporation (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I have had problems with Round Point since the beginning. They are very difficult to get ahold of and it takes 2-21/2 hours to get any answers if I even get them. I closed on my house on XXXX XXXX, 2015. Upon the Title Company requesting the payoff which they did not receive, I called to get it and it took hours on the phone with them to finally get it. They calculated my interest for the entire month when we closed on XXXX XXXX. I have the proof that I will attach that they received the payoff. Since the closing they are calling me several times demanding a house payment. I have explained to them that the house is sold but they still call and demand claiming they did not receive a payoff. They refuse to give me the interest back XX/XX/XXXX thru the end of the month and refuse to refund my escrow balance as well. In turn I can not cancel my home owners insurance since they are still showing a lien on the property. Can you please help with this situation? 
I will be attaching several documents to show that the house has closed and the mortgage is paid in full. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: We have a home equity loan with Wells Fargo, a 15 year with a balloon payment at the end of the term. We have been making extra payments on a monthly basis to pay off our loan early. We have never missed a payment on this loan. In our amortization schedule the payment is mostly interest and a small portion to principal. How they have been applying our payments during the XXXX calendar year and early part of XXXX do n't appear accurate or consistent. For example, we have been paying approximately {$600.00} - {$700.00} a month when the payment amount is approximately {$410.00}. Some months they were applying more of that payment to the interest than principal in other months they have applied nothing to principal or interest. If I look on their website, in XXXX it looks like I only made XXXX payments, however, when I look at my account that the payments are coming out of, I can see that I 've made XXXX. Additionally, there were months where we would get a statement from XXXX stating that we did n't have to make a payment for the upcoming month and that the additional payments would go to principal.

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 reporting, credit repair services, or other personal consumer reports (Credit reporting) with On-Site Manager, Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX Inquiry from XX/XX/2017 There is no company information to dispute this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: A collection account from XXXX has been miss reported on my credit reportwith Equifax. I have disputed this with Equifax for over XXXX years and it still remains. This collection account has been removed from both XXXX and XXXX XXXX and XXXX companies have shared this information with Equifax. However, it still remains on my file with Equifax. I have even spoke with a supervisor at Equifax about this. It 's time they receive a {$1000.00} fine for non-compliance of FTC regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (AZ).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: I was trying to resolve a delinquent debt of {$350.00} through the   XXXX    XXXX   XXXX   XXXX  . I was not comfortable giving my debit card information and offered to send a check, but was told that the debt holders stipulated that they would only accept debit card information and no other form of payment. I requested documents via mail so I could verify the authenticity of the institution that was calling me and I was refused. I requested the name, mailing address, and professional license number of the debt collection agency and was also refused. The paralegal,  XXXX   XXXX , sent an email with a locked document containing the debt information that required my social security number to view, but I expressed unease of providing that information to a company that did not willing verify their full identity. I asked for a physical validation notice instead via mail with the amount of debt and name of the creditor, but was refused. The paralegal then threatened to send a currier to serve me papers and sue me if I did not offer them my debit card information to them on the phone. I agreed to meet with the currier and the paralegal got angry and defensive and told me to never call their office again and hung up. I am would like to resolve this debt but am unsure if this is a legitimate debt collection agency.

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 Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: l relocated to another state, found out my bank did not have any branch in the area. l called my bank to close the account, they told me l need to come to the branch to close the account which l did. the cashier closed my account, gave me my money, he told me this is the money l have. he did not explain to me he gave me # XXXX dollars from the line of credit to borrow of which l could have not accepted that. he gave me a wrong information saying this is all my money l have in the bank. now the bank is teling me i need to pay the money with interest. if l have borrowed the money, l should have talk to them on how to pay the money back. since l was informed wrongly, which was not my fault, l should not be charged for the interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (KS).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX was trying to retrieve an original copy of his modification papers from his loan company SPS. According to SPS when they purchased the loan from XXXX. XXXX did not give us any paperwork because one of their reps said ( and its voice recorded ) it got loss! They were also saying that this loan was a verbal agreement but XXXX XXXX never had the opportunity to make any type of agreement with them. They modified the loan without his authorization. Indeed I was recovering from XXXX at the time of the modification. Now we are trying to get the paperwork because we qualify for a better loan elsewhere but SPS is saying they do not have ANY " Terms or Conditions '' or any paperwork on us at all! My question is since they DO Not have any terms or conditions/paperwork on us then I feel we do n't owe them anything so therefore they need to release us from this non existent contract, what can we do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: During an application for a car loan, I discovered that there were many errors in my Credit Reports with all XXXX credit bureaus ( XXXX ; Experian ; and XXXX ). I respectfully sent a request letter to them to investigate, delete, and forward me the names and phone others of all the people they contact, any documentation as well as a new Credit Report within 30 days per Fair Debt Collection Practices Act ( FDCPA ). 

To my dismay and surprise, I have not received any documentation evidence as stated in all my XXXX letters I sent to all XXXX credit bureaus ( XXXX ; Experian ; and XXXX ). 
I feel it is an intentional action by these credit bureaus to gain from the errors in other peoples credit reports so that we as consumers can pay for very high interest loans as I am paying now. Per Fair Debt Collection Practices Act ( FDCPA ) reuglations they are supposed to investigate any errors and notify me if these have been done. 
I am about to file a law suit against all the credit bureaus ( XXXX ; Experian ; and XXXX ) ; and before I do that I report it to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: there is no clear explanation on how the payments applied. I have {$2.00} daily interest, so if yo multiply that amount on day in month, i should not be charged more that {$70.00} per month in interest. I make my payments every month, never skip a one. however, if I make additional payment ( hoping they would apply it towards principle ) they always apply the biggest portion towards interest even though it was already satisfied by monthly payment. every time I call customer service, nobody can give me an explanation on how the payments allocated and why. they just say : " this is how the Department of Education wants us to apply payments ''. This is wrong. I graduated in 2015 with XXXX in student loan. I have been making payments for 3 years, every month + additional payments sometimes and I am still on XXXX and my principle amount keeps going up and up each month. this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX {$15000.00} was fraudulently withdrawn from our savings account with a use of a debit account. Our bank is Bank of American who we contacted immediately. We reported it to Bank of America, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. Phone number is XXXX XXXX. Their internal fraud report apparently says that some one in the XXXX region open a debit card in my name. Our address is XXXX XXXX, Florida, XXXX. My wife has a debit card but I do not. Apparently the fraudulent card was opened in XXXX ( XXXX ), Florida which is on the west side of Florida and we live n the XXXX side. The person apparently attempted to withdraw money through an ATM machine connected to Delaware from a Bank of American office but was declined. He went to a Bank of America teller and withdrew {$7000.00} and than went to another location and withdrew {$8000.00}. I have been assured that if the money was fraudulently taken I will get it back. My issue is it is a lot of money for my wife and I and we have asked Bank of America twice to at least confirm in writing that the fraud happened and they are investigating and need a certain period of time to complete their investigation. We call the fraud line but get a different state and obviously a different person each time we call and they give no information except that it will take 30 to 60 days. I am concerned that at the end of this period they may not even acknowledge they are working on it. Even though Bank of America has promised to send an acknowledgement letter to us by email and by mail we have not received anything. This may be standard procedure and they may have to be very careful on what they say. This is my first experience in dealing with something like this. I am also surprised they do not make it clearer that we our covered by various financial regulations to help us alleviate our financial fear. The Bank of America local office has been very nice but all they can do is call they same fraud line that we call and get the same answer. I guess I am really concerned that if I am patient that in 60 days they will still not tell us anything.

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 monetary relief