milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On   XX/XX/XXXX ,  I became a tenant at  XXXX  at  XXXX   XXXX . I signed a  one  year lease.   Moved out after 10 months on   XX/XX/XXXX   because of I had another place that was available and afraid to lose this opportunity. I paid the  XXXX  month before I vacated.   There was {$870.00} still due..for 12 month rent.   I waited to see if the landlord could rent my apartment to someone else.   Sure enough they were able to rent to a new tenant on   XX/XX/XXXX .    Under Florida  State  law a landlord is not permitted to collect double rent on an apartment, therefore by law I was not to pay the landlord for the  XXXX  month.   The landlord without any notice with complete malice gave the debt to attorney Warfield for collections. The landlord gave me no credit for the  XXXX  month that I paid as well as requested collection for the  XXXX  month.   I did not know this was in collections occurred until receiving a phone call in   XX/XX/XXXX .    This is an error on  XXXX  counts. Please have this removed from my credit report.

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 03-07-2017 about Debt collection (Credit card) with CL HOLDINGS LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received the attached letter dated XXXX XXXX, 2017 from Jefferson Capital Systems , LLC advising I owe XXXX {$780.00} and they will accept {$310.00}. I have no idea from this debt arises and this is a third-party vendor attempting to collect a debt. I believe it is invalid due to the Fair Consumer Protection Act and the Federal Trade Commissions ordinances and laws to protect consumes from such predators.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2016 about Credit card () with CITIBANK, N.A. (ID).
Issue: Delinquent account

Complaint: Citi Bank has an automated call system that will harass you unmercifully seven days a week, and as many as six times a day. When I first contacted them to work out some kind of payment arrangement, all I got was a lot of wannabee intimidaters. That did n't fly very well with me. I would like someone to look into this and tell them to stop.

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 03-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: SPS has repeatedly failed to process my complete loan modification application ( s )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Late fee

Complaint: I have been charged {$2.00} every statement as Finance charges. These charges have been appearing on my statement from XXXX of 2015. I called the company SYNCHRONY BANK in XXXX and all the extra changes were removed and they accepted their mistake and promised that this will not happen again. I called the SYNCHRONY BANK again in XXXX and they accepted their mistake and reverted the charges in XXXX. I have been harassed as these charges have started appearing again. It takes lots of time to to call the company have they promise that this will not happen again and it appears on my monthly statement again and again. I have called then so many time and every time SYNCHRONY BANK promise that it will be taken care and will not appear. I am frustrated as this takes so much time and I feel frustrated and harassed by SYNCHRONY BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Debt collection (Credit card) with Blatt, Hasenmiller, Leibsker & Moore, LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I defaulted on repayment of a credit card through XXXX XXXX XXXX. Received a court summons on matter. I called to arrange payments with listed debt collection agency. Their balance due ( after several payments ) did n't match mine, so I called them. They claim XXXX XXXX is charging me interest on balance. When I stopped making payments, my balance was approximately {$5000.00}. When account closed, balance was {$7100.00}. This was amount on court summons. I ca n't even bring up my old account online. I stopped making monthly payments on original credit account sometime in 2013. I attempted to call and make payments on the debt, but they always wanted repayment in full. I am now able to make regular ( every 2 week payments ) to debt collector mentioned, but do n't understand the high interest charge on a closed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (LA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I recently looked at my credit reports and noticed that Wells Fargo Financial XXXX reported negative marks PAYS 30 DAYS late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a  responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve

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 monetary relief
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.

Company response to consumer: Untimely response
Consumer complaint received 08/19/2016 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt was part of a debt that was illegally placed on my credit report for cedars sinai which recalled all my medical bills due to their violation of not notifying me of this. First of all this was illegally placed on my credit report without first notifying me by phone, mail or any other method. cedar sinai has recalled this which was marked paid. A direct violation of Fair Debt Collection Practices Act ( FDCPA ) Grant & Webber are in violation of the Fair Debt Collection Practices Act ( FDCPA ) no mail, no phone call, no letter was ever sent to me, just parking it on my report on experian.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I requested a XXXX month payment history and it has not been processed yet. I am refinancing my loan through a VA lender and they required the information by XXXX XXXX. The request was made XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I enrolled into a XXXX. I am over {$100000.00} dollars in debt ( due to insanely high interest rates ). I was never able to finish school because I reached a " cap '' on federal loans and I was n't able to receive any private loans. Navient is asking me to pay over $ 500 monthly to pay back my parent plus loan. I make {$2000.00} a month and that is IMPOSSIBLE. They have no sympathy for their borrowers hardships and continue to tackle on fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Credit card) with McCarthy, Burgess & Wolff, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I filed a complaint against XXXX XXXX for attempting to collect charges made on my charge account that were fraudulent. XXXX XXXX sent me a letter notifying me the account was re opened and was going to be investigated. Friday I received a letter from XXXX XXXX stating I closed my claim against them and I have agreed to pay the bill. This is not true. I called the number listed on the letter and stated to XXXX that I did not authorize this action. I filled out the paperwork denying the action and faxed it to the number provided. Today I received a letter from a debt collection agency on behalf of XXXX XXXX / XXXX XXXX and last Thursday I was contacted by a debt collection company trying to collect this debt. 
We are not finished with my open claim. I did not make the charges. We have an open investigation. I am waiting for resolution of this issue. It seems XXXX is railroading me to pay this debt. 
In closing, this claim has not been retracted and XXXX XXXX did not perform their due diligence. This matter was not looked into, the case was opened and nothing else was accomplished on their end. While under investigation this debt is on hold. I do not NOT make the charges not EVER open this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: I have a Mortgage Loan serviced by " Caliber Home Loans ''. I trust, " XXXX '' is the Investor, as they sued me for Foreclosure. 

My mother XXXX XXXX sometime back and we could not afford the Mortgage payments. Hence we became delinquent and are trying to do a Short sale, for the last 8 months or so, to avoid a Foreclosure on our Credit Report. 

My 3rd party submitted several ALL CASH Offers, the last of which was about {$500000.00}. This Buyer is willing to close in 15 Days and take care of all the extensive repairs amounting to around $ 300K (  Inspection Report by a Licensed Inspector and a Repairs Estimate by a Contractor attached ), as also deal with the delinquent tenant. He is Ok with a Short Sale or a Note Sale, whichever is OK with Caliber.
But unfortunately, Caliber is stone walling all the Offers, saying that short sale/Note Sale is not an option at all now. They are not even giving any counter-offer, but only saying that I have only 2 options, namely : 1 ) Deed-in-Lieu ( DIL ) 2. ) Bringing the Loan Current by paying around $ 380K. 

I have told them several times already that both the options are not at all feasible, because : 1. ) There is a delinquent ( XXXX ) tenant, who has not paid rent for about a year now and I have started eviction proceedings against him ( copy attached ). I am told, as he is a XXXX person, the Courts would be much more lenient towards him and the case can go on for a year or more. So DIL is not an option at all. 

2. ) Secondly, to expect me to pay about $ 380K and  bring the Loan current is also a far cry, as I am bankrupt now. In the first place I was not able to even maintain my monthly mortgage payments, which is why, I am in this situation. So the 2nd option of bringing the Loan current, is also not at all feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX I placed an online order with XXXX. Their website refused both XXXX and XXXX XXXX times.The site said the charge was refused.When I called XXXX the person said they got the wrong expiration date while I was looking at the order form which showed the correct dates.The only payment that was accepted by the website was Paypal. When I got the statement from Paypal I asked for a paper statement which I never got.The next month ( XXXX ) I asked Paypal to bill my Visa which they never did. Now Paypal wants late and interest fees when I have already sent them a check for the original amount.This month they want additional late fees even though I have written them to cancel my account. I tried to pay them twice and they refused both. They want my bank account numbers which I absolutely refuse to provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I only want Ditech to modify the loan to mortgage only with auto pay. I was told in the last call that they ca n't change the terms on a service contract. ( It 's not a service contract since it has been sold three times to banks before they got it. ) But in the next mailing, they sent me a modification contract to go from 30 to 40 years for me to sign. Why would I sign that? I have sent 6 copies of the same letter asking for the mortgage only change on three different platforms ( fax, mail and website ). They have responded to none.I will not answer their calls because the verbal abuse you get is not how I will be treated. 
All I want is the same contract they sent with the 40 year change to change the service terms to mortgage only with auto pay. 
Thank you.

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 06/29/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Home Loans assumed servicing of our home mortgage from XXXX on XXXX XXXX, XXXX. For XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX we did not receive monthly statements with Caliber. The first monthly statement we received was dated XXXX XXXX, XXXX. We have repeatedly requested that Caliber send us the statements for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. In response to a previous complaint, they responded on XXXX XXXX, XXXX : " We are still investigating why you did not receive the statements in XXXX and XXXX XXXX and XXXX XXXX. '' To date we have not received the statements for XXXX XXXX, XXXX XXXX, XXXX XXXX AND XXXX XXXX. Please see page XXXX of the attached letter for confirmation of Caliber 's statement. 

We need these statements because XXXX has recently confirmed that they did not post our XXXX XXXX, XXXX payment to our account. Subsequently this caused a cascade of problems with Caliber. Caliber has been unwilling to address these missing statements or provide relief for the mistake made on XXXX XXXX, XXXX. They have corrected problems in our account that occurred in XXXX and XXXX XXXX but have not addressed the XXXX XXXX, XXXX issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: During XXXX our home experience damage, {$20000.00} worth, the mortgage company stipulation on how the funds can be released were too severe and we could not fulfil the demand by the mortgage company. By the time I was able to move out to get repair started the mortgage company started back the repayment plan. I am now renting and they want me to start paying back the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: Regarding Citi HHonors Reserve credit card account : Received letter dated XXXX XXXX 2015 from Citi, stating that Citi had failed to notify cardholders one month in advance of billing for annual membership fee ( as presumably Citi is required to do ). Letter said that refund for fee could be obtained by calling number given in letter, *but that calling to obtain refund would result in Citi closing the account. * Called number, rep did n't know anything about it, said supervisor would call back, never happened. 
Evidently Citi erred by failing to send the required one month 's notice of annual fee ; is required to offer a refund because of that failure ; but is penalizing those who seek a refund by closing their accounts. **The consequence of closing the account amounts to a threat intended to dissuade cardholders who are legally entitled to a refund from seeking that refund. **

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with HSBC NORTH AMERICA HOLDINGS INC. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: We have filed this complaint over and over and once again our request for proof of the debt and requested information i.e. communications from them to us has not been provided. We requested a copy of any correspondence including audio recordings given to us so we can forward to our attorney and to the Attorney General. We will vigorously continue to fight this type of predatory lending where an agreed upon amount is established in court between the consumer and the attorney and then after the consumer has paid off the amount they are told oh no that was not the correct amount. We have the documentation and have sent it to the Attorney General 's office. This is predatory lending at the highest.Attached is a new judgement brought against us without notification from them that they were filing and the attorney who has contacted us. This is the only way we have been notified of any court proceedings after filing. And they still have not provided the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Alpha Recovery Corp (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been contacted twice within a year by Alpha Recovery Corp for a sum of money Scram of California says I owe. I made timely payments while subscribed to the device and never heard anything more until years later when i got a call from Alpha Recovery. I 've never missed a payment on anything in my life. I did n't want to hassle with it last time so I just paid it in full ( {$130.00} ). Now, they are saying I owe that same amount again. I wish to dispute these charges as I do n't even understand where they are coming from and if there will be more another year from now. But the guy from Alpha just screamed at me and told me I had to pay it. He would n't tel me what my options were if I disputed the amount or requested more information on what this was in regard to. I do n't know how debt collectors work but this seems ridiculous. I do n't feel comfortable just handing over my credit card for some amount of money I have no idea how I owe. The threat of ruining my credit made me pay it last time but I ca n't just keep paying this amount every year not even knowing why and Alpha wo n't give me any information other than to yell at me and then hang up on 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 non-monetary relief
Consumer complaint received 09-02-2016 about Debt collection (Federal student loan) with Account Control Technology, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from Act Control Technology stating I owe the U.S Department of Education, but I am currently paying the only student loan I owe to a company called " XXXX ''. I consolidated my student loan with XXXX about one year ago. I received a similar demand letter from XXXX a few months ago and disputed the account with them. I have not heard from them since. Now I am getting another demand for the same loan XXXX was trying to collect. I believe the student debt " Account Control Technology '' is trying to collect is not a legal student debt.

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I had a discharged bankruptcy in XXXX. It is nearing XXXX years, and I was told by an attorney to ask for this bk to be removed from all credit bureaus. Some of the bankruptcies are supposed to drop off between XXXX years. I have submitted a request for removal before on at least XXXX credit bureaus. The other one ( I think XXXX ) requires a XXXX digit code from the item listed on the report. That XXXX digit code does not exist on the page I was to look it up on. I was unable to create a dispute or a request for that bankruptcy to be removed since I 'm past XXXX years and so close to XXXX years.

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