milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was in default on my student loans due to not having a job to pay for loans. However, I did file my taxes from when I was working and my taxes were intercepted. Once I got a job I contacted Federal student loans and they told me I had a balance of XXXX in order for my loans to get out of default and it would be paid off. I recently pulled my credit report and it has school loans transferred to collections. It is paid and I would like for them to be removed from my credit. It is affecting my score because there are so many listed. I am not working at the moment but I do want to focus on my credit. Ive contacted federal loan servicing to resolve this matter and they stated that it was out of their hands. They had me calling around and still nothing resolved. I

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Wells Fargo has pulled multiple hits on my credit file with wrong social security number submitted to them online.  XXXX  refuses to allow me to dispute the   XXXX   hard pulls on my account. Wells Fargo refuses to speak with me regarding this issue and refers me to the credit reporting agencies. Obviously, this is a cycle that is never-ending, and I as a consumer have the right to dispute hard inquiries on my credit report.
Please help remove these inquiries.

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 05/22/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (VA).
Issue: Trouble during payment process

Complaint: Reference to complaint  XXXX ,  Seterus  stated " Had the property taxes been paid in error, your tax entity would have refunded these funds to  XXXX  ''. This statement is false. The account for property taxes are in my name, irrespective who pays into that account, any refund will always goes back to the account holder. Another example, Seterus payment for home insurance did not arrive in time and  XXXX  called me. To give more time, I pai d one month insurance premium. After Seterus  payment arrived, it resulted in overpayment and the overpayment returned to me and no t Seterus. Seterus  should know this better.     Seterus failed the terms and conditions of account transfer from  XXXX  by opening an escrow account prior to loan modification application.  XXXX  never opened an escrow acco unt. Does Seterus  accepts a letter from  XXXX  confirming that they never opened an escrow account?

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (I do not know) with NE PROCESSING LLC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: North Eastern Processing XXXX call with a recorded message saying they have made many attempts to contact me and this is their final attempt. They said they have XXXX counts filed against me and they are going to call the county clerk if I do n't call them within 48 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: For past 3 years, have been jerked around first from XXXX to Seterus. We fell behind mortgage payments, had to move out of house for major repairs on first floor due to Hurricane XXXX. XXXX promised to do loan modification. It took forever to process, many documents. Wasted time. Papers were lost and resubmitted again and again by us. Loan mod was much too high for us. Now we are dealing with Seterus. No help there either, nothing. After XXXX loan mods we refused the third XXXX and the fourth and fifth XXXX. The past amounts were nothing we could afford. Even a blind man could see that there was no way we were getting an affordable loan mod even if we filed XXXX loan modifications. I had to stop working XX/XX/XXXX. Money became almost non-existent. Nobody can or will help us. Spoke to many agencies, lawyers. Nothing. Can we now do a short sale? And will we be held liable for the difference if the amount of the sale is lower than what is owed on the house? I ca n't get a straight answer. Is there any sign of intelligent life out there? House is for sale XX/XX/XXXX and current realtor has not been able to get a buyer. Nobody shows up for any open houses. The house is in excellent condition because we spent time and money on it. We will leave the house XX/XX/XXXX. We are done here and I understand these mortgage companies do n't care. But knowing we are XXXX they have proceeded to treat us like immigrants who lack intelligence. By withholding info we needed and the delays, everything fell down the tubes for us. Nobody at XXXX or Seterus cares about homeowners. That 's evident to me. They have a bad rap. That 's what I hear all over town!! Somebody needs to do something to make sure others do n't experience the same situation as we have and lose their home where they paid mortgage for 22 years.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Other debt) with Acceptance Rentals, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Sent several certified letter with documents as : proof of residence for the time period this identity theft occurred, send FTC identity theft report as well. Just obtain a police report in which I will upload.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recieved a copy of a collections bill from Phoenix Financial Services and would like debt validation from them and XXXX XXXX I have been disputing the validity of this debt and it continues to not be validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A credit card was obtained using my details but with the SSN changed by one number and when I contacted XXXX I asked them the personal details and they told me that the SSN and it was wrong, they have now reported this as a delinquent payment and this is not my account XXXX Credit CardXX/XX/2015Open - XXXX Days XXXX Missed Payment $ XXXXXXXX % of Credit Limit*Account DetailsLast Reported XX/XX/2015Creditor Name FST PREMIERAccount Type Credit CardAccount Status OpenOpened Date XX/XX/2015Closed Date -- Limit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status XXXX Days LateWorst Payment Status XXXX Days LateDate of Last Payment XX/XX/2015Amount Past Due $ XXXXTimes 30/60/90 Days Late XXXXRemarks -- Payment History2015 OK OK OK OK OK 30XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX30 30-59 Days LateCredit Utilization* XXXX % Creditor Contact DetailsXXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXXSee something wrong? 
Learn more about how to dispute items on your credit report. 
XXXX XXXX RecommendationsFind a personal loan to consolidate high interest balances. 
Use less of your credit limit by transferring balances to a new card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: We have attempted to resolve this matter with the bank several times over the last 4 years. We have dealt mostly with XXXX XXXX at XXXX XXXX XXXX. The bank refused to take payments from us and also refused multiple times to give us a modification. The loan has since been transferred to Nation Star. XXXX XXXX XXXX, our previous servicer, we sued on the basis of attempting wrongful foreclosure the issue is now ongoing for 4.5 years with a foreclosure date of XXXX XXXX, 2015. This has caused extreme emotional distress on the entire family.. I have made repeated attempts to deal with Nation Star in an attempt to speak to someone in authority in order to work out a settlement agreement and I was never allowed to speak with anyone. I was at XXXX time on the phone with them for more than 2.5 hours trying to resolve something and was just passed from person to person all of whom told me the same thing. " that there was nothing they can do. '' There is still no resolution. The home is currently listed and there is a short sale offer pending.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (VT).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have an Checking Account with TD Bank and up until this transaction, I have been able to successfully resolve issues with my account with my local branch, located in XXXX Vermont. On Thursday, XXXX XXXX, 2017, I was charged {$35.00} on my checking account for an overdraft charge on the account. When I signed up with my checking account I specifically denied overdraft protection which I knew would knowingly deny charges on my account when funds are not available to avoid being charged a fee. On this charge, my account was - {$5.00} after the bank allowed a {$1100.00} check to clear. Although it was nice that the bank allowed this check to clear ( which would have cost a {$25.00} return check fee ), I believe that my bank was not legally in the right to charge my account {$35.00} when I denied this protection on my account. When I called the main number, they said that my account was ineligible for a refund and that this type of charge is computer driven and can not be refunded. 
I formally request that the CFPB investigate TD Bank for all automatic charges when the customer has denied overdraft protection. My fear is that many people in my similar situation are being charged this fee. I am sure you do not think {$35.00} is a lot of money but to me given my kids college tuition and my high cost of living expenses, {$35.00} is my weekly grocery bill, so to me, TD Bank has fraudulently taken a weeks worth of food off of my table and probably to many others.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: My complaint is about Wells Fargo Mortgage handling of escrow accounts. I refinanced with Wells Fargo on XXXX of XXXX. You would think that they would calculate local property tax during the refinance and in the middle of the year, but they do n't. In XX/XX/XXXX, Wells Fargo tells me that I owe {$13000.00} in taxes to them because of an error in escrow calculation. So now I am forced to pay {$13000.00}, which I do n't have or {$1000.00} extra in Mortgage which is outrageous. I called the escrow department and they said they only do escrow analysis once a year and nothing could be done about it. Wells Fargo has had a bad reputation on how they deal with customers. My only problem is that this could be a nationwide issue. Wells Fargo is trying to get people to pay more on their mortgage leading to foreclosure or some default. This issue needs to be investigated. I have a good job, so I am barely getting by, but they might be hurting vulnerable customers. Bad and deceptive mortgage practices like this are hurting many homeowners in the past and now.

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 02/24/2016 about Debt collection (I do not know) with Creditors Collection Service (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received numerous calls from ( XXXX ) XXXX and ( XXXX ) XXXX, both of which belong to Creditors Collection Service. However, I only know that because I searched the numbers online. The calls to my phone either do no leave a message, or the message is a recording of a man leaving only the phone number ( XXXX ) XXXX. He does not say anything else in the message. I have records of nine calls since XXXX/XXXX/2016, but there were more before those.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (I do not know) with STONELEIGH RECOVERY ASSOCIATES, LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Someone called my home telephone, using faked caller ID information " XXXX XXXX- '' and number " XXXX '' at XXXX XXXX. EDT on XXXX XXXX XXXX. They left a message identifying themselves as a " debt collector '' named " Stoneleigh Recovery Associates '' and requesting that I call XXXX. ( The first word of the name was unintelligible but I did a XXXX search for " XXXX '' and the results indicated a vast number of complaints about a scammer called " Stoneleigh Recovery Associates ''. The scammer is apparently trying to get credit card numbers. It is an obvious scam because the faked the caller ID information, in violation of Federal law, and also I have no debts, and so certainly do n't have any bad debts. There also has never been any written notification of any debt, much less any written notification of any past due debt. Since I have no business relationship with this party and it obviously is not a legitimate debt collection call, this call is in violation of the Revised Telemarketing Sales Rule, since my phone number is on the DoNotCall list. I have attached to this complaint a copy of the scammer 's recorded message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Debt collection (Auto) with Altisource Portfolio Solutions, S.à r.l. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX  repossessed my car without notification ... I wa s 30 mile s from home on a cane, in a handicapped spot with handicapped plates. I was very late getting home ... almost did n't get home.

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 02/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I first graduated college, I signed up for one of the income based programs. When my payments started, they were much higher than I had been quoted, about double. I paid for a few months until I could n't afford it and entered forbearance. When I got my paperwork confirming the forbearance, it said I had been in standard standard repayment instead of the income based. I signed the original paperwork, but no one at XXXX ( now Navient ) bothered to file it correctly. I did my homework, and now knew to the penny, exactly what my payment should be under the income based. I called to sign up for the income based for a second time. When I was received the paperwork, it again kept me in standard instead of income based. I called Navient and had to fight with a representative for a half hour, while they continually said I was wrong and just did n't understand the program correctly, until they finally admitted that they were looking at the wrong paperwork, and that my income based paper had " never been filed '', yet again. Now I 'm finally in the correct income based program. I entered the my loans into consolidation last XX/XX/XXXX. I have never missed a single payment. I recently went into my account to see how much I shave paid off loan is now about {$150.00} HIGHER than when I consolidated. Even though I 'm paying my payments online, every single month. This company just comes off as a complete scam. I 'm now looking to take a second job even though I already work full time at a XXXX, so that I can pay off these loans as soon as possible, instead of actually being able to use the income based program, because I ca n't trust Navient to not continue to lie, and XXXX up my account constantly. This is a company, that simply takes advantage of students. They should not have a single contract with the Department of Education. It 's criminal the way they are taking advantage of people by simply not doing their job and ignoring and not processing paperwork, and lying to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: In the XX/XX/XXXX I applied for a CitiGold checking account with CitiBank. They were running a very attractive bonus offer : XXXX XXXX XXXX miles for opening an account and spending {$1000.00} on the corresponding debit card AND using their billpay option for XXXX months straight. They even allowed the initial deposit to come from a credit card. Over the course of the XXXX months after opening this checking account I met the terms of the offer AND used secure messaging and at least 1 phone call to their customer support to make sure I was qualified for this offer AND that I had met the requirements. I was assured in both cases that I had. 

The terms required " up to '' 90 days after the statement close on which requirements were met for the points to post. That was around XXXX/XXXX/XXXX for me. No points. In fact, NOW Citi 's customer service is opening " research cases '' that seem to be taking weeks to complete ... what research is needed is beyond me. I am currently on my second pass, the research case is now " escalated '' and I 've waited XXXX weeks with no word. In the meantime, Citi is happy to charge me {$30.00} a month in fees for this account. I 've paid XXXX fees so far and am working to NOT pay another fee on XXXX. 

To be fair, the fees were part of the agreement. However, so was the XXXX miles bonus which Citi is not rewarding. Even better is the length of time it is taking these " research cases '' to complete, all while Citi is charging {$30.00} a month. 

I am sorry I was lured into this offer and I will never trust a deal from Citi again. However, I am positive I am due the promised award of XXXX miles and this is the focus of my complaint. What kind of scam is this, particularly when the CSRs are telling you you are good to go ... until it 's time for them to ante up? 

I will close this account and several other accounts I have with Citi. After many years of doing business with them, I now can not trust them. But I still want the promised bonus particularly since I did all of the work to meet their published requirements with the CSRs coaching me along the way.

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 02/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX has posted a collection account with XXXX XXXX XXXX XXXX Acct # XXXX for {$280.00} for a home insurance policy that was canceled and property was covered by another insurance company. Sent them proof and still no response. How can I be charged for a policy that is not active at the time. I am attaching the complaint letter I sent them. This collection has effected my credit rating. Please help remove this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I logged onto the Capital One website on XX/XX/XXXX to make a payment because I knew a payment was due, but I had lost my statement. I knew it was due the XXXX or XXXX. Once on the website, I set-up the payment for XX/XX/XXXX as it was XXXX XXXX on XX/XX/XXXX. I received an email confirming that the payment was set-up for XX/XX/XXXX. The next email I received was on XX/XX/XXXX to inform me that the payment processed on XX/XX/XXXX. However, today I received an email from Capital One that stated the following : " Your payment is past due -- please make at least your minimum payment today.
<P/>
About your account ending in XXXX XXXX, It looks like you may still owe the minimum payment due on your account as of XXXX XXXX. ET on XX/XX/XXXX. Your card transactions may be declined if your account is n't current.
<P/>
If you 've made a payment that meets your minimum amount due, you 're all set. Otherwise, you can make a payment online or pay directly from your Capital One Mobile app.
<P/>
Thanks for being a Capital One customer. '' This email came to me after I received an email that the payment had processed and the transaction section on the website showed that the payment processed on XX/XX/XXXX. In addition, a late fee was added after I scheduled a payment as there was no late fee on my statement when I logged onto the website & paid the bill on XX/XX/XXXX at XXXX XXXX. I would have simply added it to the the amount due. This evening when I logged onto the chat service, I chatted with two individuals XXXX & XXXX, in that order. Neither of these representatives would answer a single question. They attempted to transfer me to other departments to avoid answering my questions, XXXX informed me that my account had been restricted. I would not be able to use the card in order for Capital One to investigate the matter. It was presented in a way that made me feel the company needed to buy so time to figure how to deal with me as I had informed them I would be filing a complaint. I have all the emails related to this matter saved, included in those emails the dates and times, should they be needed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: credit card was with initally with washington mutual, paid off on time according to terms stipulated. I received correspondence that Chase would be taking over washington mutual but that my account would not be affected. However, when the change went into effect, Chase starting calling me about the credit card payments, having no records of any payments made. When given confirmation number of last payment, they would agree that it was paid off. This went on for several months. Upon viewing my credit report, it now appears as a negative item.

Company response to consumer: Closed with explanation