milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted XXXX to inquire about lowering my monthly bill. They suggested I do automatic withdrawal. I decided against having it automatically deducted so I did nothing. I continued to make my payments on the first of the month ( 2 weeks before they were due ). Six months later I decided to change service providers and was told that since I had inquired about automatic deduction ( which I did n't ) I had entered into a new contract and there was a cancellation fee of {$150.00}. I signed nothing, simply inquired about lowering my monthly bill since I am on a fixed income. I either pay or my credit rating is affected.

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 10/20/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (TN).
Issue: Can't contact lender

Complaint: I had to take off work due to my wife having problems with her XXXX XXXX so i called the company and asked to make arrangements due to being out of work and they threaten to take me to court if i couldnt pay in full

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: We have had repeated robocalls from Synchrony in regards to a supposed JCPenney credit card collection. The number they are calling from is XXXX. I contacted JCPenny chat with that information and informed them to stop or I would report them. It has been three days and the calls have quadruapled with no messages now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Fair Credit Reporting Act requirement is for the credit reporting agency within 30 days of a dispute or remove an time. Equifax did not respond within 30 days. 

The letter I mailed along with a copy of my social security card in which I attached to my letter to Equifax are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (VA).
Issue: Struggling to pay mortgage

Complaint: My house that was owned by my mother and willed to me is in foreclosure and set to be auctioned in XXXX. This is happening even though I have been told that I qualify for and fit into modification guidelines for help. My issue is that Di Tech Financial has failed to conduct any type of review of my financial situation or assign a dedicated account manager to work with me. I had some financial issues in the past but my income and employment is steady and my current wife works as well. We could easily afford a reasonable payment if DiTech Financial were to review us for any of their internal or government programs. This is a conventional fixed rate loan and there should be some type of modification program for XXXX XXXX and XXXX XXXX loans that DiTech could look at. Our problem is that they are passing all of this by and just trying to do a foreclosure sale on my home. My problems with this loan began in XXXX when I was going through a costly divorce. I could not keep up with the payments and fell behind. I contacted the servicer at the time ( Greentree I believe ) and they reviewed my information and told me that I was eligible for a loan modification. I began the process but my ex-wife ( who was listed as co-borrower at the time ) was not cooperative. We fell further behind and then together we decided the best thing to do was reinstate the loan and pay all the past due amounts. We did this and then got the divorce finalized and the house was awarded to me. However, I had a couple of bad seasons which affected my employment and income ( I work as XXXX XXXX/XXXX ) and fell behind on the loan again. I am once again trying to resolve this matter and get considered for some type of assistance but cant get to first base with DiTech. My income is back to where it used to be and my current wife is employed as a XXXX and together we earn sufficient income to qualify for assistance programs. The problem is that Di Tech Financial will not even give us a chance to be considered for retention options, even those that they are required to offer on conventional loans. Instead they have moved to auction our home on XXXX XXXX without even giving us a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: regarding account : XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.

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 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: I 've been trying to fix multiple errors on my reports, to no avail.my proof of the error carries less weight than the creditors word. XXXX XXXX XXXX XXXX XXXX ca, XXXX, is the collection agency that is insisting they are correct, when they 're not. My business XXXX XXXX is a XXXX # XXXX corporation number. We wrote a check to by advertisor, just before I had a XXXX XXXX and was forced to close my business. I should have been protected under my corporation. They will not show me a copy of the check, so I can prove my point.the 3 credit reporting agencies, do n't want to here the truth, or fix it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My number is listed on the National Do Not Call Registry. However, I have received XXXX calls from XXXX since XXXX/XXXX/15. They call up to XXXX times a day between XXXX and XXXX This number has several complaints on XXXX. It is identified as a debt collector from Midland Credit Management. This company left a message on my answering machine for a debt pertaining to a person named XXXX. I do not know who that person is, nor how this company got my telephone number, since I have not done business with them or owe them anything. The calls are a nuisance/harrassing. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a bill from a collection agency ( Wakefield and Associates, in TN. ) stating that I owe a bill from a doctor ( XXXX ) that I have never seen or heard of. I went to the hospital in question ( XXXX, XXXX NH. XXXX ) They have never heard of this doctor and certainly this dr. is not on staff there. In fact there are no doctors notes after checking with their medical records, as well with the the billing dept. They in fact have never had me in collections, and DO NOT USE THE COMPANY Wakefield and Associates for their collections. I have contacted Wakefield and Associates which still insists I owe this money and my credit is in jeopardy. I told them there is no XXXX, at XXXX in XXXX, NH, nor is there any records/notes of me seeing such a provider. I also told them to call the billing dept. at XXXX XXXX 's because I have never been in collections as well as the hospital does not use Wakefield and Assoc. for collections. I am sure this is a scam to collect monies that I do not owe.

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 10/28/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: after being XXXX injured almost 5 yrs ago my husband is completely XXXX, he spent 67 days XXXX. and 32 days XXXX, 2 yrs ago XXXX sued him [ g e money bank original credit card ] we explained how we now live off of XXXX ins. they of course did not care, The other day, we received in the mail a writ of execution on our savings ..it was frozen..we have a total of XXXX in the account. These people are threatening to send the sheriff to come and walk through our home and take inventory of our belongings. The total they say we owe is XXXX ... it may as well be XXXX XXXX. they are constantly harassing my ill husband. we live in Pa. is there anything I can do. thankyou,

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Have private loan with Navient and feel cheated many times over. Before I decided to return to back to school for my XXXX XXXX, I was paying extra on my loans and directed all additional funds to be placed toward the principle. However, instead of applying it as requested, Navient/XXXX just applied it to my monthly payments. For example, if I paid an additional {$50.00}, they would just take it off my next payment, not the principle as requested. In addition, there is not an option on their website to apply payments to the principle, you have to call them for this request. After calling and voicing my concerns, I was told there was nothing that could be done about it. So my " principle '' payments were going toward the accruing interest which is lining their pockets even further. 
Also, I have requested a plan of payment that could lower my payments, however, Navient instead pushed me into a forbearance in which I have to pay a {$50.00} fee to suspend payments for only 3 months. In the meantime, interest continues to accrue. Every time I contact Navient I receive a different answer depending on who I 'm speaking with. I, as a consumer who pays her debts, am very concerned that now that I 'm in a better financial position to pay off my private loan, my payments will not be properly applied due to previous experience. I feel helpless and taken advantage of. Navient has definitely showed me many times they are n't interested in helping their customers pay off their loans, but instead saddling them with more debt. At the same time, I continue to receive mailers and emails from them in a lame attempt to have me take out another loan from them. I will NEVER do business with Navient again and recommend anyone to stay away from this company!!!! 
I thank the consumers watch groups for their service to call out these crooked companies and hold them accountable. I 'm not looking for a handout, I just want what is fair. Apply all additional funds to the principle. Because of Navient 's deceptive practices, my private loan has swelled from $ XXXX to over $ XXXX and was NEVER in default! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have call and asked this Collection Agency, Diversified Consultant to remove a collection of {$170.00} from XXXX XXXX XXXX they claim they have the authority to collect. The first time I called they could n't find that I owed a debt and the second time I called they told me that they had an account but my Social Security Number did n't match the XXXX they had on the account. 

This is not my debt I have never had any type of service with XXXX XXXX XXXX. I asked for a verification of the debt and ended up talking with a Supervisor named XXXX XXXX direct phone # XXXX. 

XXXX was very helpful and informed me that the Social Security # associated with this collection account was different than mine.He said they would remove/delete this collection from all XXXX of the Credit Reporting Agencies XXXX, XXXX and XXXX XXXX if I would fax them some information. 

He instructed me to fax front page of my Credit Report and the page showing the Collection Account. In addition to fax a copy of my Driver Licence and Social Security Card. 

I complied and faxed those items he listed to the fax number he gave me XXXX. That phone number is not a fax number but goes to a vice mail box message. 

I have called Diversified Consultant XXXX more time to confirm the fax number and was told both times that is the correct fax number. I ask them to call the number from a phone and it goes to a voice message. I am frustrated!

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I went ahead and placed an order on Samsclub.com for XXXX, buying a bedroom set and mattress set. I went ahead and returned the items, however Samsclub has only credited me for the mattress set, XXXX. I have attempted to have the remainder credited and interest fees since the purchase was made on XX/XX/XXXX and here we are on XX/XX/2016 and the mattress credit was made on XX/XX/XXXX. I have been waiting and waiting with no avail. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Trouble during payment process

Complaint: After Hurricane Irma, because I was in a federal disaster zone in XXXX Florida, I requested from SLS a loan extension, I was given a forbearance, with 3 months to pay two months missed payments. 

My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX statements each have a late fee imposed on me, however, I am not late, as I am in approved forbearance. 

I have called SLS every month requesting an adjustment and it has not be reversed and credited to my account. 

XX/XX/XXXX there is a Fee Billed Accured late Charge of {$120.00} - XXXX Statement XX/XX/XXXX Property Inspection Fee of {$15.00} - XXXX Statement XX/XX/XXXX Accrued Late charge of {$120.00} - XXXX Statement XX/XX/XXXX Accrued Late charge of {$120.00} - XXXX Statement.

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 12-06-2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX has prevented me from accessing my account and making an interest-payment for the year 2016. I 've contacted them over-the-phone and they are in disarray, do n't know how to calculate the interest and do n't know what is wrong with their website. After speaking with a representative, she attempted to calculate the interest payments by-hand, but I am not confident as the numbers I received are inconsistent for the given timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing to document a formal complaint against SLS and XXXX mortgage servicing companies. 

Recently, SLS ( Specialized Loan Servicing Company, www.sls.net ) purchased my mortgage from my previous lender, XXXX ( XXXX ). The transfer process has been very frustrating ; consumers should not be collateral damage in the loan transfer process, particularly given the fact that consumers do not consent to the buying and selling of their mortgages. This has created an incredible amount of work for me and wasted a lot of time, and this clearly has been the case for others too, as evidenced by SLS ' reviews and XXXX online. 

On XX/XX/XXXX, payment from SLS to XXXX went through for the remaining principle ( based on a XX/XX/XXXX calculation ) for my mortgage ; however, on XX/XX/XXXX, XXXX also auto-drafted the monthly payment from my checking account. XXXX does not have record of this on my online profile and they have not forwarded this payment to SLS as both companies have said they would through the transfer process. 

XXXX now has sent my to a debt collector for failure to pay my XXXX payment and plans to auto-draft double my monthly payment from my checking account on XX/XX/XXXX. 

This is unacceptable, and has to stop. Consumers rights need to be protected during the home buying and selling process and the onus of record keeping should not fall to the consumer, the innocent bystander in this process. 

To make matters worse, neither LoanCare nor SLS offers customer support on the weekends. I work a very busy job with long hours and am not available to troubleshoot and clean up the mess that SLS has created during the weekdays.

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 08/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Fair Collections and Outsourcing ( FCO ), a debt collector and assigned agent of the original creditor, XXXX XXXX XXXX, has been attempting to collect a claimed debt of {$3500.00} for various charges associated with my rental of an XXXX apartment at the XXXX XXXX facility in XXXX XXXX California. 

FCO has provided as evidence of the debt, a '' resident Journal '' that depicts debit and credit transactions and ending balance. The problem with this XXXX page report is that @ XXXX % of the report is blurred beyond readability, and the ending perpetual balance does not follow from the transactions, but rather is stated seperately on a page not of the transaction report, and in a different typeset. The report as given is useless for purposes of debt validation. 

FCO is reporting the claimed debt to XXXX, who is reporting it as a delinquent item in collections. 

I have sent to FCO a copy of the report I received from them, pointing out the unreadable areas, and requesting a fully readable version. I also requested that they provide the name and contact information of authorizing and approving agent at XXXX XXXX Communities. 

In response, I received a letter from FCO stating they have " verified '' the debt and will continue reporting it to the CRA, FCO did not respond to any of the requests I made for a competent validation of the debt, and identity of the source of the data.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Bank account or service ((CD) Certificate of deposit) with SCOTTRADE BANK (CA).
Issue: Using a debit or ATM card

Complaint: I attempted to open a Scottrade Bank account after formerly being a Scottrade XXXX account customer. I called Scottrade Bank which instructed me to provide various forms and sign the account agreement. I sent all of this information to Scottrade Bank and heard nothing. 

Roughly 3 weeks later, I was informed by postal mail that my Scottrade Bank and Scottrade XXXX account had been closed. When calling Scottrade Bank for support I was given the run around. 

My simple question was why did Scottrade Bank closed my account but I was met with rude resistance and eventually told that Scottrade Bank only provides support to account holders and become my account was closed they could not assist me at this time. 

Furthermore, in the account closure letter, Scottrade Bank stated that my funds would be returned under a separate cover after 7-10 days. Thus far, I have not received the check and have been unable to access my account. 

I would respectfully submit that Scottrade Bank needs to overhaul their customer services policy and properly assist customers. It is not ok for a bank to give unhelpful answers when the bank still has control over the funds of the customer.

Company response to consumer: Closed
Consumer complaint received 09-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Capital Accounts, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I became single, XX/XX/XXXX, renting a room from a person who leased a original to the city residence XXXX, he was defrauding me and did not pay the company their portion of the rent, I notified the XXXX police and FBI, he was forcefully removed from the property and agreed never to return, leaving me with squatters rights, assembly. being polite and not wanting to be evicted homeless I submitted all personal info too the XXXX XXXX XXXX. A XXXX gentleman married several times I believe perhaps was named XXXX but a XXXX gentleman by admission, came over promptly and marked down tons of historical damage running in the XXXX plus, form original broken built ins, to destroyed hardwood flooring and even prior broken windows, whether I was forced into a lease to remain their is unclear. I later provided a 30 day notice XXXX to vacate the property having witnessed a XXXX XXXX XXXX XXXX XXXX or a.k.a. from a few blocks down where I lived prior, I needed to move, having my life threatened. The office came over same gentleman also added up the XXXX in damages but said this was to protect me and knew it was n't my wrong doing. He the company rep stated not all XXXX employees were aware of the situation regarding the forceful removal of their tenant, Im also fully XXXX on Social Security XXXX Income. He stated there might in the future be an accidental bill like there is now XXXX years later, which California, does not enforce from rental companies to my knowledge regardless of formalities, the FBI has been failing to return my victim of crime inquiries, and the XXXX is also aware and involved, as I was informing to them. So XXXX stated not all employees knew and disregard a future bill now I have a collection notice and feel heavily discriminated. Let alone neglected by the white house and FBI victims of crime. Evidence continually posted on my sites

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed