milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid debt off XXXX/XXXX/XXXX after paying in installments to creditors attorney. I contacted creditor and they said I still owed them. I contacted the court and XXXX and they advised to send certified mail stating that debt was paid and I can/will furnish cashed checks to verify it. Court set up hearing, and creditor did not appear but sent a satisfaction of judgement dated XXXX/XXXX/XXXX signed by their attorney 's office. Credit bureaus are still showing that I owe a balance on the account and that they " verified the balance '' with the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: On my report from XXXX there is a listing from U.S. Bank my bankruptcy filed on XXXX/XXXX/2012 included this account. Fair Credit Reporting Act makes clear that a debt discharged in bankruptcy must be listed as having a 0 balance. FTC OSC section 607, item 6 states : " A consumer report may include an account that was discharged in bankruptcy, as long as it reports a zero balance due to reflect the fact that the consumer is no longer liable for the discharged debt and there should be no additional reporting after the bankruptcy filing date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was told to consolidate which was n't best thing to do do as it increased amount of initial loan amount I was told to use forbearance as I could n't pay full amount of payments as I have XXXX and can only work parttime I have tried to get income based repayment plan started but I keep being told my information does n't match federal records. I will call on that again as my sign in information allows me to view student loans but I am told it does n't match records when I try to do anything by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: On XX/XX/2015, I had a lien placed on my saving account. I receive federal student loans and the Post XX/XX/XXXX G.I. Bill benefits. I was told that my account was under review. I called on XX/XX/2015 and I was told that they could not release the hold unless I had the company release the funds. I told the company that they could not do this. I told them that my account receives only electronic, exempt, Federal direct deposits of Veterans Affairs Benefits and student loans. Three or four times before, their lawyer actually dismissed some liens the same reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Money was not available when promised

Complaint: I sent money thru western union on XXXX/XXXX/15 amounting to {$2700.00} for emergency surgery of my sister and was told that the fund will be readily available. My sister tried to get the money on XXXX authorized western union office in the XXXX XXXX such as XXXX and XXXX but was told that the money is not available and they do n't have enough funds asked to come back on XXXX/XXXX/15 which is 5 days after the money was sent, she as also advised by the XXXX agent to leave the claim form without the money being released which sounded kinda fraudulent. I called the customer service here in the US but agent is not helpful and incompetent to handle the issue, i submitted a complaint to western union website but up to this time i have n't received any form of follow up from them. Pls help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed a chap ter  XXXX  bankc ruptcy on  XXXX   2015  and Experian still showing in my credit report   XXXX   account late, I only have  XXXX  new account, I though that when someone do a bankruptcy it going to be in the credit report but no as late, i send Experian a letter and the Bankruptcy Discharge certificate in   XX/XX/XXXX   and they did not do anything. Can you please help me with this issue. Thanks

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 01-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2017 about Credit reporting () with Experian Information Solutions Inc. (AP).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This has been updated with the other bureaus please update on my Experian report. This balance has been paid and I am no longer accountable for this charge off please remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: I purchased a computer at XXXX XXXX and the salesperson suggested putting the purchase on an Office Depot credit card because there would be no interest for XXXX months. I opened the card at the same time as the purchase. The paperwork that came with the purchase clearly states that purchases over {$290.00} qualified for the promotion ( which my purchase was ) and so did the paperwork that came with the physical card that was mailed to me. I amortized the amount of the purchase over the six months and set my account to autopay the correct amount each month. While reviewing my account I noticed that I was being charged interest on the purchase, contrary to what my paperwork says. I contacted the credit card company ( CitiBank ) and they informed me that I needed to take my issue up with Office Depot. I contacted the manager at Office Depot and he tried to resolve the issue with the card but was unsuccessful. The credit card company is refusing to honor the promotion of zero interest for six months that was advertised in the store and on the paperwork that came with the card. The Office Depot manager offered to pay me the interest in cash, but that is beside the point. The credit card company has clearly charged me interest that it was not supposed based on the promotion advertised at the time of purchase. I doubt I am only person that this has happened too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2017 about Checking or savings account (Checking account) with UMPQUA HOLDINGS CORPORATION (WA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX, a check was deposited that made my business checking account go negative. On XX/XX/XXXX, I used my business checking debit card several times, but that evening I signed into my account around XXXX XXXX and transferred enough money to make the account positive ( covering both the check and the additional charges ) according to the balance shown on my screen. However, Umpqua Bank believes that I signed in on XX/XX/XXXX at XXXX in the XXXX, meaning the charges from XX/XX/XXXX were all subject to overdraft fees. I did not sign it at XXXX in the XXXX, as I was sleeping ( and have witnesses who can confirm ). In addition, I also would have transferred sufficient funds to cover my overdraft fees if I had seen those on my account, since when I signed in, I transferred the amount the bank was showing me, and thought my account was brought current. The next day, on XX/XX/XXXX, I used my business checking debit card again, and knowing my balance was very low and it was likely relying on overdraft protection, I again signed in later in the day and transferred an amount sufficient to bring my account current ( or so I thought ). No overdraft fees were shown from the use of my debit card. It was not until XX/XX/XXXX that I signed in and saw the overdraft fees listed for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These additional fees meant that according to the bank, my account was in the negative for days that I thought it was positive, and each instance of my use of my card during those times accrued another overdraft fee which did not show on my account for several days. If I had received an accurate account balance and if the bank had showed my overdraft fees at any time when I was signing in on XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX, I would have transferred enough money to bring the negative balance positive and avoided all of the additional charges. I contacted the Downtown XXXX XXXX of Umpqua Bank on XX/XX/XXXX and spoke to XXXX XXXX, who said that Umpqua Bank is not responsible for showing an accurate account balance via their online banking portal and that the bank would do nothing further nor refund these charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am XXXX XXXX XXXX XXXX, I was on a Overseas XXXX XXXX from XXXX. On or about XX/XX/XXXX we received extended Orders on my XXXX XXXX which extended my XXXX XXXX. I had been in the process of looking for an apartment in XXXX XXXX, TX at the XXXX. I communicated with XXXX XXXX via email that I was currently XXXX and had limited access to internet and communications. On XX/XX/XXXX I notified them our printer was not working and I would not meet the deadline. According to the written correspondence if I didnt submit the documents by XXXX MST, then they would not be able to move forward with the application or hold the apartment. At that time I had not provided a deposit, so it is their policy for a courtesy hold 24 hours. I contacted them via Satellite phone that my XXXX had been extended until XXXX, but no exact date had been provided. Therefore, due to the extenuating circumstances because of my XXXX XXXX and XXXX  XXXX I didnt know when I would be coming back and would start the process when I returned from XXXX. While XXXX, I received a XXXX XXXX XXXX XXXX, for me to XXXX immediately upon my XXXX. Within 30 days of me returning from XXXX XXXX, I received my XXXX XXXX XXXX XXXX XXXX. I received Temporary Housing at XXXX XXXX due to the short window between my XXXX  XXXX and XXXX to XXXX XXXX, NC. I received Collection Calls from Hunter Warfield on behalf of XXXX, stating I owed the XXXX  money. After repeated requests, on XX/XX/XXXX I submitted my XXXX XXXX, my XXXX XXXX XXXX XXXX, and my XXXX XXXX and email traffic to Hunter Warfield and I was told that the negative remarks and collection account would be removed from my Credit History. This is still on my Credit Report, and I have contacted XXXX, and their Corporate Office about this matter. Based on the email traffic they would not be able to process the application without the paperwork. Additionally, I contacted them and told them that our XXXX XXXX was extended. I should not be charged for a deposit, when I was told it was a courtesy hold until they received the paperwork, I notified them the extension of my XXXX XXXX.

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 12-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, my name is XXXX XXXX. I 've been trying to get a loan modification from Ocwen Loan Servicing since XX/XX/XXXX. They told me that they can give me a modification but the amount they give me was more than the amount I could not pay from the beginning. I need help to get this company to work with me and give me a reasonable loan modification payment that I can afford. How much longer will they play this game? I understand that im delinquent but they are not helping me to get a loan mod that I can afford. 
I have now foreclosure sale date XX/XX/XXXX and am scared that I will lose my home and not get a chance to get approved for a loan mod that I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Citibank published a Notice of Trustee 's Sale for XXXX/XXXX/2012 ( attached ) on our property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, a legal action designed to recover their XXXX Trust Deed Mortgage with a lien against our property. The resultant foreclosure did not generate sufficient funds to cover Citibank 's TD. Citibank now expects us to cover the difference in a second debt collection legal action in direct violation of California XXXX Section XXXX ( a ) [ Single-Action Rule ; also attached ]. I brought this matter to the attention of XXXX at Citibank ( direct phone # XXXX ) who responded that after their legal review they do not believe California 's XXXX Rule applies. Please kindly let me know whether or not the state 's XXXX Rule governs here. Thank you very much. 
P.S. I have also attached a letter from XXXX XXXX XXXX ' Office, California XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Credit card () with DISCOVER BANK (OH).
Issue: Closing/Cancelling account

Complaint: Discover card filed an investigation I received a letter stating I was n't responsible for the charges on the account. Then come to note the lady gets rude and decides to keep my account closed and tells me I need to reapply for a new card. I paid whatever remaining balance was on the account and the account is a XXXX balance and they still wo n't reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I need your help on this file. I received this file after another negotiator could no longer work on it. I have been submitting paperwork since early XXXX. When I spoke to the bank in early XXXX no one could talk to me because they said the client had to fix something regarding my third party authorization. Finally when they fixed it the bank said they could not speak to me because they did not have a FHA addendum on file. When I requested this from the buyers they became angry because they though the short sale process was no were close to being done. 

They have had an offer on this property since XXXX. I can not speak for the other negotiator but I can understand why everyone is frustrated in this process. I received an email from XXXX last weeks stating that she needed additional documents and the XXXX was being order. When I asked her if there was a foreclosure date she said yes and that she would no longer be reviewing the file. 


She contradicted herself because I do n't even think she knew about the foreclosure until I mentioned it. If she was sending letters to the home owner and there were documents missing why did I not receive an email also. My clients speak XXXX so they were probably unaware of the documents that were missing. I received a new offer for this home today and will be getting all the documents in by Monday. Is there anyway that you could please consider stopping the foreclosure of this property on Tuesday XXXX XXXX. I know it is last minute but I will stay on top of this file so we can get his closed ASAP.

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 05/30/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: This company is reporting various names and addresses that have never belonged to me and even though I have provided documentation they have not corrected the information on my credit report.

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 03/23/2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Struggling to pay mortgage

Complaint: Our clients have attempted to obtain a modification with SPS 5 years ago. The Servicer lowered the payment XXXX even though the client 's income reduced by XXXX per month. 
The clients then decided to short-sale the property after which it was denied due to " information not being provided. '' Our company was contacted to help submit the documentation in XXXX of 2018. 

We've submitted the documentation to the Servicer and finally got a resolution on XX/XX/XXXX pending UW review. On the XXXX of XXXX, the servicer was contacted to get a status. They indicated they needed " more time '' for underwriting review. 
On the XXXX of XXXX, the servicer was contacted, and they state they just sent a letter today denying the Short-Sale due to RMA being incomplete. I informed the servicer the RMA was complete and has been submitted XXXX. However, the RMA is in fact complete. The servicer states the " intent '' is not noted in the RMA, however, the proprietary RMA doe NOT have " intent '' section noted in stead it has Section XXXX - the reason for hardship is noted. 

The Servicer understood and wants until Monday to review the case as we pointed out the inaccuracies in their process. 
This, however, isn't enough as the foreclosure hold has YET to be placed or the Facially Complete sent out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Other debt) with North Shore Agency, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: During my last weeks with XXXX, I made several attempts to make payment arrangements for the balance owed on my cellular phone bill. After having continuous phone service with them for 10 years, I was forced to port my phone number and take my business elsewhere due to their inability to work with my financial situation. I was unemployed but was starting a job in the next week ( XXXX XXXX, XXXX ) On the last day of my services I ported my number and transferred my business to XXXX XXXX. 
At the time of the change, I was leasing a phone ( XXXX XXXX ). So I expected there to be some additional fees but not the fees that they tacked on and keep adding to. My final bill was {$260.00} for usage, taxes and fees. There is also a Purchase Option Price for the phone of {$110.00} XXXX totally expected ). Then they added an additional fee of Lease Cancellation of {$590.00}, for a grand total of {$1000.00}. When I called after receiving this astronomical bill, the representative stated I 'd have to pay that fee whether I left or they disconnected my line. So I would not have had a choice. I am so furious with the way I was treated for years before finally getting mad enough to leave. And when I do I have to pay them for the privilege. 
This is wrong on so many levels. And to add insult to injury, They sent my account to collections before I even received a final bill. My last 2 payments with them were XXXX XXXX, XXXX for {$100.00} and XXXX XXXX, XXXX for {$45.00}. But they rushed and sent my account to collections without allowing me a chance to deal with the frivolous charges they added to the account. Also for a period of time after me leaving, they had reps calling me asking me to come back offering me all these discounts. But the fact that they have no one available in customer service to discuss your issues when you 're having the issues and their lack of care for my situation although I had been a loyal customer, no amount of money could get me to go back for more bad treatment. I did, however, ask about the final charges and was told it would be the payoff for the phone and my final bill. The lease cancellation was never mentioned. I also brought to their attention that upon getting the phone I was told I 'd be charged $ XXXX and they were charging me $ XXXX. That was one of the reasons I kept trying to call them. 
Please help me resolve this bill fairly. Thanks in advance.

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