milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2018 about Debt collection (Mortgage debt) with Sortis Financial, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been trying to resolve this Debt as XXXX XXXX XXXX, this is a Bogus Debt from a creditor that some how finds out that you did a mortgage loan refinance and then turns out bills for un contracted or acknowledged fees. I have asked repeatedly for a contract signed by myself and my wife, without success. I am now receiving invoices from Sortis Financial with the same addresses and amounts. I can only assume that this is due to the request to cancel or remove this Debt listed under ClearSpring. 

Please make every effort to remove this from my and my wife 's Credit Reports at is seriously impairing our ability to secure student loans for our children 's college..

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
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 have filed a dispute to have negative items removed that are wrong. I have documents that prove that the results and response of the company just bounce around the fact they have not done a thorough investigation. The basic results were stated, " They are right and you are wrong ''. There was no specific explanation of the investigation. On  XXXX   XXXX ,  2017  the dispute was initiated and on  XXXX   XXXX ,  2017  the investigation was completed with very little to say and no documented proof was provided. The incorrect account that has been reported has caused daily stress as it has caused me and my husband to apply for multiple loans while being turned down. This made it hard to get a reliable vehicle for work and transport our children. In addition, it will hinder us from being able to buy a home. Lastly, the accounts in question have already been removed from my husbands account and the accounts are joint accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Complaint number : XXXX I received a reply today from Citi bank saying that they did not resolve my complaint due to my not supplying proof of original and amended quote from XXXX XXXX. I did indeed submit this information. Attached are photo copies of my email with the attachments. They have had this information for 7 months. 
I hired movers who changed my quote via phone 3 days before my move. I did not use them but they charged my card {$760.00}. Citi bank will not help me resolve this issue.

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 03-12-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I attempted to settle a credit card debt 3-4 years ago. I negotiated with a company trying to collect and the settlement never occurred. Since then several different companies attempted. Portfolio calls on Sunday morning-evenings, several times before XXXX XXXX and after XXXX XXXX. One month they called between 8-12 times a day for over a month. My phone records can verify this. 
This company never leaves a message other than its name. They sent XXXX notices of repayment after months of annoying, continuous phone calls. They are relentless with no respect for the time of day or night or day they call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I wrote to the creditors, Experian, XXXX and XXXX regarding credit inquiries on my credit reports approximately 3 months and I am still waiting to hear from them. I have asked them to provide written proof showing that I authorized XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX to pull my credit. I did not apply for any loans or credit card with these companies. I need these inquires to be removed from my credit report. I will be contacting the State Banking Commission regarding this matter.

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 02-02-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of credit fraud and there has been unathorized inquiries on my consumer report, I disputed this information with the creditors and they informed me that they ca n't do anything about it and that I should contact the credit buruea to remove this inquiries. They are adversely affecting my report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Other

Complaint: I am starting to be harassed by Capital One credit card collections. I do not want any harassing collection phone calls from Capital One. I want this collection action by them to cease and desist from now on. My roommate has XXXX and needs his peace and quiet from these annoying calls. Capital One has already made to harassing calls on a daily basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hello, I am writing to request your assistance regarding an issue with my student loans, because my student loan servicer has improperly and inexplicably increased the principal balance of my loans by {$660.00} between my XXXX and XXXX, 2017 bills. My loan servicer is PHEAA who has been completely useless is resolving the issue with my loans.
<P/>
I am currently on the REPAYE repayment plan, where the monthly payment is calculated as a percentage of income. If the monthly payment does not cover all of the interest that accrued during that month, 50 % of the unpaid interest is cancelled and the other 50 % is added to an unpaid interest balance ( listed as " Outstanding Interest '' on my loan statements ), which does not accrue more interest. Regardless of the monthly payment amount, the principal balance of my loans should not increase.
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I am attaching my monthly billing statements from XXXX through XX/XX/XXXX. I consider the XXXX through XXXX statements to be " correct, '' however on the XXXX statement the principal balance on my loans inexplicably increased by {$660.00}. From the time I enrolled in the REPAYE payment plan in XX/XX/XXXX through XX/XX/XXXX, the principal balance of my loans stayed constant at {$130000.00} ( listed as the " Current Balance '' ), however on my XX/XX/XXXXbilling statement the principal balance of my loans inexplicably increased to {$130000.00}, an unexplained and improper increase of {$660.00}.
<P/>
Because I am on the REPAYE plan the principal balance should not be increasing. In addition to increasing the principal balance by {$660.00} that I do not and should not owe, the increased principal balance will accrue additional interest and this error will substantially increase the amount of interest over the life of the loan.
<P/>
PHEAA has absolutely refused to fix this error, and their general attitude seems to be that a {$600.00} error is too small for them to worry about. They further insinuate that because I am on the REPAYE plan, the entire balance will eventually be cancelled and therefore I should n't worry about it. However, my income may increase substantially in the next few years and I may pay off the loan early, so I would like the balance of my loan to be correct and not be improperly inflated by bogus accounting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I paid the loan in full on XX/XX/XXXX using the pay loan in full option. The XXXX account number is XXXX. 

I received mail saying an additional XXXX was owed. 

I called and was told I had not paid correctly. They also told me that the amount to repay had grown to XXXX and that if I logged in I would see the pay off amount as of today and a " pay loan in full button ''. I logged in and saw neither. Instead it showed an account balance of XXXX as of today. If I went to a secondary screen it showed the XXXX. I have the following comments : 1 ) This is a scheme to make more interest and collect late payments. 
2 ) If I had paid the XXXX specified in the letter and on the screen, I would owe XXXX cents next month and if I did n't know that I should pay XXXX cents or I forgot I would be charged a late fee. 
3 ) This is n't as bad as what XXXX XXXX did but I bet they have made XXXX stringing people out on interest and late fees. 
4 ) I have screen shots of what was displayed. 

XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Our Grandson ( who resides halfway across the country ) listed us as a reference when applying for something. Though we are not sure what. 
We are a elderly/XXXX couple in our XXXX. We have repeatedly informed 'Portfolio Recovery Services ' to stop calling as we no longer have contact w/ our grandson. As we were used ( without prior notification ) as references. 
The debt collectors # XXXX-have literally ignored our verbal request to discontinue calling. At this point, it has become harassment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am sending you the facts of my Consumer Financial Protection Agency complaint against your company, in the hopes that you may use the information to conduct your business in a less predatory / more honest way. 
In 2015 your insurance was added to my account without my knowledge or authorization, resulting in monthly charges of XXXX, totally {$350.00} at present. 
My husband, who is authorized to discuss my mortgage account but not make changes to it, attempted to make a claim, describing to your agent a sewer line problem in our house. After several weeks, your company was able to dispatch a plumber to our house who said the problem could not be addressed because the pipes were not " accessible '', but still charged us {$85.00} for the visit. 
My complaints are : 1 ) The insurance was added to my account without my request 2 ) When service was requested, it took 3 weeks to get a response 3 ) When response was made, a plumber was sent even though the condition was falls within the very broad and very subjective exclusions in your policy regarding " inaccessibility '' of pipes, etc. As if the representative was aware that the issue was not covered, they listed the problem as a water line problem when it was clearly stated twice to be a sewer issue. 
I request : 1 ) Immediately stop charging my Ditech account for the property at XXXX XXXX, VA XXXX 2 ) Refund of {$350.00} I was improperly charged for nearly fictitious insurance, which in any event was not available in a timely manner when it was requested 3 ) Refund of {$85.00} we paid as a result of the incorrect and deliberate dispatch of plumber for issues that were obviously not covered Were you ( or an external regulator ) to impose transparency and integrity on your practices, attention should be paid 1 ) how customers are signed up ( a signature or voice recording would be advisable ) ; 2 ) how exclusions are disclosed upon sign-up and upon service requests.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NY).
Issue: Settlement process and costs

Complaint: My XXXX year old mother is refinancing her home. Her mortgage was recently transfered from XXXX XXXX to Shellpointe Mortgage Servicing. She and her attorneys have been trying to get a payoff statement from Shellpointe for over 3 weeks and they have not responded. As a result, her rate lock on her new mortgage commitment has expired and now she has to pay a higher rate. Shellpointe has not responded to XXXX requests for the payoff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX/XXXX/XXXX I received a credit report from XXXX and Equifax I seen an account from XXXX XXXX XXXX. I tried to reach the company per the address being reported on my credit reports via certified mail.. I noticed the address being different on both reports. Two days later I received both letters back being undeliverable Per the fcra they are reporting false information

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CMRE. XXXX. {$65.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent this agency two debt validation letters on two different occasions and they have failed to validate this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: i have always moniture my credit and noticed previous deleted inquries from XXXX somehow because reinserted on XXXX 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 explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Santander consumer, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a debt against me under XXXX XXXX. I have no clue why or what for, as I have not had an account with them in over a year. I have not been contacted in regards to this. I believe my account was not closed and I have been charged for utilities under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (OK).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: XXXX bank took car back bc I was moving and could n't work at time and they would n't lower payments or help me out with anything just took car back knowing that 's how I made my living and my kids too

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Navient offered me a crazy deal to lower my payments but didnt tell me that this deal that would help me would really cause me to never pay off the principle but only pay interest for the rest of my life. XXXX XXXX was also cheating me. I have paid off many loans in my lifetime and have never dealt with anything as illegal as this situation. Please help me. I have simply stopped paying them. I had consistently paid them {$30000.00} of a {$50000.00} loan but the balance remains at {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: After pulling my credit report I found that I had a collection account from Stellar Recovery Inc . I reached out to them at XXXX and spoke with XXXX representatives. The first agent I spoke with in regards to this matter was unable to locate an account. After getting annoyed by the situation I was then transferred to XXXX who was able to locate the information. When trying to find out why I was n't given the proper notification so I am able to handle the matter at hand I was informed that not only did they not have the correct address on file which the vender Century Link does have to proper address on file. I asked if they verified any information and was informed they did not. I then proceeded to figure out why they went against FTC collections policy and what it was going to take to get this handled and removed. They told me they would not do anything and if I pay it they will just mark it as paid on my report. I also found that they shared my information with XXXX parties which I did not agree to. 

By law all this information was supposed to be verified by the vender including the mailing address. This company failed to follow those compliances the demanded that I pay it so they can mark it as paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Transaction issue

Complaint: The credit cards are not processing the charges in a timely manner. It is impossible in a volatile currency situation to obtain the exchange rate on the day the item purchased is actually charged. Credit card companies may be holding charges to obtain the best possible currency exchange rate especially in volatile markets. The rates charged should be on the date the item is purchased and not the day the item is processed to avoid currency game playing. 

All credit card companies should be required to post the exchange rates they are using so consumers can determine which card to use. Currency conversions should be transparent. Credit card companies are claiming they are not assessing foreign transaction fees but they may be building in the fee into the exchange rate. Transparency will provide a clear indication of what rate is being used so consumers can determine which card to use. 

See : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has not verified an account that they nonetheless continue to report incorrect activity on. I disputed the account well over 30 days ago and they can not verify the account, so under Section 611 ( 5 ) ( A ) of the FCRA : they are required to " promptly delete all information that can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Auto debt) with Experian Information Solutions Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Please delete this off my Credit report ... this account is a ZERO BALANCE.

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 02/19/2018 about Debt collection (Other debt) with Bull City Financial Solutions, Inc (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency Bull City Financial in the amount of {$560.00}. This debt has not been validated by the original creditor or the 3 credit bureaus and are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (CA).
Issue: Trouble during payment process

Complaint: I could not access my account online and the phone tree system was non-responsive to touch-tone entries. I called at XXXX XXXX to XXXX. I 've tried multiple times to reset my password online and the web form simply states I have incorrect information, but I really do n't know what to do to gain access to the account since I do n't know what information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Consumer Loan (Installment loan) with RFNA, LP (GA).
Issue: Problems when you are unable to pay

Complaint: Excessive daily calls.

Company response to consumer: Closed with explanation