milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 about Debt collection (Mortgage debt) with Phelan Hallinan & Diamond, PC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX. of XXXX XXXX XXXX XXXX XXXX handled the foreclosure matter on our home. We sold our home on XX/XX/XXXX, 2 months before the scheduled sheriff sale date of XX/XX/XXXX, and XXXX XXXX asked for and received the sellers disclosure on XX/XX/XXXX. We also signed a confidential settlement agreement that XXXX XXXX prepared. However, XXXX XXXX refused to cancel the sheriff sale even after we contacted the sheriff department, told them the house was sold, and the sheriff department reached out to XXXX XXXX to cancel the sale. XXXX XXXX still did not cancel the sale. Our name was wrongfully published for 2 months on every auction website and we were inundated and harassed by attorney and realtor solicitations. We were also contacted by family members and old neighbors advising us that our SOLD home was still up for sheriff sale. The sale was never canceled despite all our attempts to get XXXX XXXX to do his job and cancel the sale. We do n't know why a debt collection firm would behave in this type of unethical and harmful behavior other than to cause our family severe emotional distress and to cause us financial harm. We have tried to settle this matter with them. XXXX XXXX 's response has been to threaten us with in-house legal action when we informed him of our intent to file an ethics complaint as well as this complaint with the CFPB. XXXX XXXX XXXX XXXX XXXX is well known for their abuse of homeowners. In this case, they should not be allowed to intentionally inflict pain and suffering on homeowners who have already sold their home. We sold our home and 2 months later we went to sheriff sale. There should be consequences for this type of criminal behavior. The real question is ... why did he do it? Was taking it to the sheriff sale date an important milestone that needed to be met in order to trigger insurance payoffs or other incentive pay. I strongly suspect this is the case and the CFPB should be looking into this matter closely.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On the XXXX XXXX XXXX I was called while I was abroad in XXXX. 
A country well known internationally for scammers stealing people 's private personal information and using it to scam people out of their hard earned money. 
As soon as the representive call me from XXXX XXXX, and started to tell me the call is being recorded and is an attempt to collect a debt. 
I told her I was not in the united States and can not talk about the matter until I returned to the XXXX. 
She started to read out by personal information over the phone. 
Like my full name, my address, my phone number and my social security number. 
I asked her several times to stop as I 'm not on a secured line and my information can be stolen by scammers in XXXX. 
She refused to stop and continued, she kept talking over me, and kept saying it any ways. 
Wnen I realized she was harassing and battering me I cut the call for fear of her releasing further information over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a personal loan with Tower Loan of XXXX XXXX, MO. It has been a nightmare since. Not only were there harassing calls on my cell phone by a woman who used threats, and very aggressive tone, but it was all because of a mistake on their end because they had my name spelled incorrectly and were not allocating the payments right. payments were being made monthly. I would get an apology, then the next day more aggressive voice mails because she " forgot '' about our conversations. 
Now, a year later, i have changed jobs, one reason being is the harassing phone calls at work. They would have me paged over an intercom system that is used across the entire facilities campus, but if they could not contact me, they asked for my manager. I was called into his office, where at the time i was working on a promotion and was verbally warned about receiving personal calls at work. This was after several times of telling this company they can not contact me at work. 
After that verbal warning, my promotion that i had been working on all year was a shot in the dark. The level of credibility and professionalism was lost between myself and my manager. 
I then decided i need to move on from that company, i had been embarrassed. 
I have been working at my new place of employment ( career move with promotion ) for only 2 months. XXXX. 
There was a lapse of approx 2 months without a payment due to the job change and time between paychecks. 
I received a surprising call from Tower Loan on my work number while sitting with my new manager doing systems training. I dont even know how they got it. im not hiding from them, but i had not put it out there either. i am not only in another city but another state. At that time i told Tower Loan that i am NOT ALLOWED TO RECEIVE PERSONAL CALLS AT WORK. i went into the office, caught up on payments ( XXXX thats 3 payments ) and it has only been a few weeks and i have now received 6 calls on my cell phone and 2 calls on my work phone! 
I have already discussed options to have this loan transferred to another branch, but their business practices need to be brought to your attention. They also have an assumption that i owe double what i do, but they can not prove it, he just says ... my computers math cant be wrong, but will not show it to me. 
This is absolutely unacceptable and i wish i never accepted their loan. i was not even that desperate at the time, it was to pay off a medical bill who were not even harassing me.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: This account is not being reported correctly, this account was paid off because it was in a car accident and had gap insurance. It was never charged off. 

You 've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 9 mos ) Term 72 months Payment History Youve made 100 % of  payments for this account on time. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type Auto Responsibility Individual Remarks Paid charge off Fixed rate Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (I do not know) with Roycroft Management (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: A man from a company he calls Central Mediation Services contacted me regarding a debt that is over {$2000.00}. He asked me to set up payments of {$100.00} on a biweekly basis. I did, because I do have unpaid debt and I thought it was one of those accounts. He told me he could not give me information on the original account holder. However, he stated I would receive an email document with information regarding this debt. I never received it. I have complied with my payments. I called today, XX/XX/2017, to ask for a change of date on my payment due to a low paycheck I will be receiving this pay period. He became abusive because I sniffled on the phone when he said I had to make a larger payment than I could afford. He said I had to come up with the money somehow. I said fine, and he said he would add the remaining amount of my payment from one week from today only if I gave a payment I could n't afford this pay period. I said fine, I may just have to sell an item from my house or something to come up with the payment. At that point he said, " Do n't come up with this sob story about selling something from my house. I will not move your payment. You got yourself into this situation so now you have to deal with it. '' I said " I 'm sorry I did n't mean to come across that way. '' He raised his voice and started saying, " Where do you live, in Southern California? Is that how it is down there with you people. '' I said, " You do n't need to be rude. Fine, I will figure out how to give my payment this pay period. '' And he said, " I 'm not being rude you people get into this mess and you think you can cry and fix it. '' I said, " Fine I will be recording this conversation. Please send me documentation to verify this account so I know who you are and who I am sending my payment to. '' He said, " I will, to your email address, XXXX '' I said yes, " i would like to share that information with my attorney. '' he said, " do n't threaten me with an attorney and yes i will send your documentation. ' i have not received this documentation and I am concerned about the abusive language he used. I feel uncomfortable and do n't know who I am sending my payment to. He said " this is restitution to avoid a Court proceeding and you made an agreement. '' I am concerned that if I do n't send a payment they will send me to Court. But I do n't know if this is a valid debt and I am really worried about the language used in the phone call -- it does n't seem to be coming from a legitimate source. I can not afford an attorney. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with Alliance Data Card Services (CA).
Issue: Transaction issue

Complaint: I returned XXXX items after being approved by the Limited card, I returned the items and was owed a refund of {$120.00}, but the Limited went bankrupt and now Comenity Bank still wants me to pay and I dont have the merchandise as I returned it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-08-2016 about Debt collection (I do not know) with First National Collection Bureau, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a call from XXXX. Rep stated I owed a " XXXX '' monies from XXXX. I do not recall this alleged debt. It was also stated account was opened XX/XX/XXXX, which today is XXXX. I did not receive any mailings from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (ME).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage is serviced by Seneca Mortgage Servicing LLC. Received letter dated XXXX/XXXX/16 requesting additional {$1000.00} in payment on top of the {$660.00} standard monthly payment that had been received ( noted in letter ). No explanation for additional {$1000.00} charge. Online account still noted {$660.00} as the required payment amount. 

Sent email to customer solutions day received letter, XXXX/XXXX/16, after being unable to contact a representative through customer service number in letter and available online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: I went to the ATM to deposit some money and process a small withdrawal. For some reason Bank of america thought it was ok to block my card so that I was unable to use it. They provided me with a printout of the number I could call to resolve the issue. I contacted them at the number they provided XXXX at XXXX and was on hold for XXXX minutes before someone came to the phone. Then I was connected with some fraud representative that told me that I was speaking with the wrong department and that I needed to speak with someone else. She attempted to transfer me to another department and came back after XXXX minutes stating that there was a long hold time and that the reason for my block was due to them needing to verify my deposit. My CASH deposit! She then asked me if I would like to continue to hold and after waiting on hold for about XXXX minutes, she came back and told me that the other department closed at XXXX and I would have to call back on the following business day. I asked to speak with a supervisor and she got me a supervisor. The supervisor said the same thing, there was nothing she could do. So here I am with a bank account full of money, on a Sunday evening being told that I cant use my money! So my family has to suffer the rest of the evening, my XXXX year year old daughter ca n't eat because Bank Of America decided to put a hold on MY MONEY!!!! this is not right, this should never be allowed to happen! How can a bank place a block on your account without even attempting to contact the person firs or at least having the decency to keep the department open long enough to resolve the issue! I asked the supervisor XXXX XXXX ( XXXX ) to give me someone else who could fix the issue, I asked to speak with her boss and after XXXX minutes of back and forth and her telling me that there was no one else in the entire bank of america corporation with a title/pay grade above hers that she could get me to, she finally said she would transfer me to customer service. However she transferred me to a non working number. This lady should be fired she had no empathy ( sure she said i understand your frustrated ) she never even freaking apologized! Here I am with no money because they took my last bit of cash ( the {$15.00} I deposited ) but will not allow me to use my card for purchases. This should be illegal. I asked them to compensate me for the troubles they put my family through and she said they would not compensate me for anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (KS).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: As of today 's date, the amount on my Parent loans is approximately {$36000.00}. The original loans totaled {$21000.00} without interest. The interest accumulated is $ XXXX ... only {$6000.00} shy of the amount loaned! At the time I incurred this debt on behalf of my twin daughters, our household income was {$90000.00}. Now, due to an unforeseen layoff, I qualify for a {$0.00} payment due to my income level from work which is, and will remain {$0.00} since I am XXXX and can not secure work. However, rather than reapplying each year for ( IBR ) or pay as you earn or ( ICR ) until death, it was and is my desire to renegotiate the terms to settle this loan. I tried with the Dept. of Education through both XXXX and now Nelnet to settle my debt by either paying the interest or the original balance or a small portion of what 's due rather than nothing at all and then being forgiven through special circumstances or with President Trumps forgiveness of loans after paying {$0.00} on them after 15 years which would put me in my late XXXX. I know others have renegotiated terms but only after they 've defaulted on their loans ... something I will not do. I want to repay my debt and find it difficult to believe that they 'd rather have me take bankruptcy or be in default so that they 'd end up get nothing rather than renegotiating terms to settle and at least get a portion of what is owed to them. I am willing to pay the initial amount borrowed ; surely they are in a position to waive all the thousands of dollars of interest accumulated up to this point ... from the year XX/XX/2008. We have been at this for a couple of years trying to work with Ombudsmen who have no authority and other agents who have even less with no resolution. I hope you can help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I leased a vehicle with Hyundai Motor Finance in XXXX XXXX for three years. In XXXX XXXX I had paid in full and never had a missed payment however, upon calling one day I talked to someone who was very unhelpful and rude at XXXX. One week later 8 missed payments showed up on my XXXX ( only ) credit report from XXXX XXXX XXXX XXXX and XXXX ( XXXX ) dropping my score 82 points. I called Hyundai who told me I had always prepaid and never had any missed payments, so I filed a dispute with XXXX on XXXX XXXX. By XXXX XXXX I received a letter from XXXX that Hyundai provided them all documentation and Hyundai removed the erroneous information. I never received an explanation of how someone goes backwards XXXX XXXX years and adds inaccurate information though I do believe it was the gentlemen I upset at Hyundai who did it. My credit score went back up over an XXXX and the account was closed in perfect standing and all my checkboxes were green with no missed payments. Today I check my credit score and once again Hyundai reported all the same erroneous information that was just resolved. I contacted XXXX and they verified that Hyundai once again did the same thing on a closed account that Hyundai just removed from the account. The XXXX women told me I should contact you because she too thinks this is very shady and that she has never seen anything like this. To the point she was going to call Hyundai on my behalf. I truly believe Hyundai has a gentlemen on their payroll who is purposely and maliciously opening my closed account and re-reporting information that they just removed. When I called Hyundai, they will not let me speak to the department who reports it, informed me I once again had to wait 30-60 days for them to research it and that they could not tell me why this is repeating itself. As a matter of fact, they are completely not willing to provide me with any answers. I asked them to reopen my old dispute, they said they ca n't. Long story is I can not speak with anyone who can help me in a timely manner, they once again dropped my credit score 77 points and I feel this is going to continue happening over and over again. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2016 about Debt collection (I do not know) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Received a notice on my credit report that I owe money to IC Systems. I have never heard of them nor have I received any bills for outstanding debt.

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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Today I call to Trans Union Represents to ask to remove inquiry which I never Authorized to these Company .I start seeing after there system crash I ask them to remove it please but he could n't help me to remove it .Please help me to remove this error in my credit file. He give me this file Number XXXX.Thank you

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 09/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In XXXX XXXX, I reviewed my credit report and noted that XXXX was reporting an account that was Pay Status in Bankruptcy Date closed XX/XX/XXXX and date updated XX/XX/XXXX which meant that the month and year that this account was to be removed is XX/XX/XXXX. I contacted XXXX and they stated that they have not updated any account and did not include an new account in Bankruptcy. What they did was XXXX consolidated all account and merged them into one. I told them that Trans Union was reporting this account in Bankruptcy and current. They stated in XX/XX/XXXX that they contacted XXXX and it would take 30 to 45 to update. XXXX instructed me not to contact XXXX because they would correct it on their end. In XX/XX/XXXX I received an account alert that stated that I had a recent Bankruptcy and that I had XXXX account in Bankruptcy with XXXX. I contacted XXXX XXXX and disputed the XXXX XXXX account because I was assured by XXXX that it was corrected. I also contacted XXXX and requestd that they update this account and remove all derogatory informaion on my file. On XXXX XXXX, XXXX, I received a letter from XXXX swtated that they would remove all trade line XXXX XXXX ) for the loan that has not been service for XXXX years or more. which would have been the account with XXXX that was open in XXXX/XXXX/XXXX, but Trans Union changed the Date Updated and XXXX to XXXX/XXXX/XXXX. I contacted XXXX again and they stated that they have disputed this account with Trans Union 3 to 4 times and each time they refused to remove the account. On XXXX/XXXX/XXXX, I spoke with a XXXX at Trans Union and they stated that they only received the dispute from Trans Union in XXXX XXXX, which would not explaned the currect credit report that I receive from them on XXXX/XXXX/XXXX. She also stated that XXXX told them that it was in Bankruptcy, and I asked her do I have a current bankruptcy in my file, she stated " no '' so, I asked her how could they report a Bankruptcy in XXXX XXXX, if I did n't have XXXX. 
XXXX, has stated on several occasion that they disputed this account. It 's listed in the Remarks on the credit report. ( Chapter XXXX Bankruptcy, DISP INVG Comp-Consumer Disagrees. The disagreement is not that I had a Bankruptcy, but the date that Trans Union reported this account. 
In XXXX, I was on the phone with both XXXX and Trans Union, they representative stated that the account is current and in repayment. That this account should be deleted. Not only is it inaccurate, its caused several negative hits to my credit report and caused me to be decline for consolidation. I 've worked diligently to improve and maintain my credit worthiness in the last 10 years and its highly injurious that Trans Union has not regards to report accurate information.

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