milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2018 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called 7 times at XXXX every day since XX/XX/18. They do not leave a message. They are a company who buys 10+year debts. I have not received anything in the mail concerning this debt. The statue of limitations in the state of Michigan ( in which I am a resident and this business is located ) is 6 years.

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 05/21/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I inherited my mothers house when she passed in  XXXX   XXXX . I have since been trying to assume the loan and the bank will not talk to me because I 'm not on the loan. I have submitted all the documents i.e. death certificate, will and probate papers from the court as well has the executor has contacted them also. I have been trying to deal with this for over a year..I have been living in the residence and paying the mortgage on this property since  XXXX  in  XXXX   XXXX  I was laid off from my job and called the bank to make payment arrangements but again the bank wo n't talk to me since i 'm not on the loan. They keep telling me they are reviewing my paperwork. Now they sent foreclosure papers and I am still trying to get resolution I contacted their attorney the beginning on  XXXX  and they gave me the number for the home preservation dept. and I am now going through the same hassle all over again. I never talk to the same person it 's always someone different and I have to explain the whole story every time its like the first time I talk to them every time. Since  XXXX   XXXX   XXXX  I have tal ked to 3 different depts and 6 different people I was told I have a representative to handle my situation but I can never talk to that person nor have they contacted 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 01-04-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (AR).
Issue: Account opening, closing, or management

Complaint: I was making a PayPal transaction, and I noticed an ad for a {$10.00} dollar discount on my purchase if I signed up for PayPal Credit. I started filling out the form, but I saw that the credit would n't be applied until after my credit report was approved, so I cancelled the process. Later I made another PayPal transaction, and it was charged to my new PayPal Credit account without my knowledge. I paid the balance and explicitly changed the default payment method to my bank account, but my next purchase was charged to the credit account without my knowledge. They now tell me I owe over {$90.00} in interest and late fees and interest on a small purchase. I have contacted their customer service department several times, but they have given me nonsensical responses. They continue to call me multiple times a day. I have closed me PayPal Credit account and my regular PayPal account. I 've read that you have fined them last years for just these practices, but they continue. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-12-2016 about Payday loan () with ACE CASH EXPRESS, INC. (PA).
Issue: Received a loan I didn't apply for

Complaint: Ace cash express is claiming ( by e-mail ) that I requested a loan through them in California. I never did. I have not been to California in years. I do n't want to call them. But I want to see if anybody can go after them for lying and potentially stealing my identity. I have already placed a fraud alert on my account. Here 's the e-mail I am receiving : A cash payment of {$290.00} is due on XXXX/XXXX/2016. 
Visit ACE Cash Express at XXXX XXXX XXXX XXXX to repay your loan. 
If you have any questions please do n't hesitate to call us at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (FL).
Issue: Loan servicing, payments, escrow account

Complaint: PHH Mortgage aka XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, NJ XXXX has been totally misleading, lying & derelict in their duties. I paid off my mortgage on XXXX XXXX, 2015 & to date ( 4 months later ) I have not received my paid in full documents. I have sent 2 letters & spoke with representatives on 4 different occasions without any action, callbacks, or results. They all just lied & said they would take care of it. Just awful

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Io, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My granddaughter received care on XX/XX/XXXX under a XXXX XXXX referral. XXXX XXXX submitted an insurance claim under the wrong last name although the correct last name was given along with name change court order and custody paperwork. I was out of town and they would not resubmit claim under correct last name when my wife called them in XX/XX/XXXX. Instead they turned it over to a collection agency called Receivables Management Systems whom are very rude and threatening in their tone and legal threats. I disputed the debt with them. 

I have provided XXXX the renewed authorization number on XX/XX/XXXX and again on XX/XX/XXXX for payment through XXXX. RMS validated the debt with XXXX XXXX on XX/XX/XXXX which is 11 days after XXXX received the new authorization for the insurance claims payment. Instead of removing the account from RMS after receiving an authorization, they validated it with RMS and it remains on my credit report as a collection when I have fulfilled all my legal obligations to resolve this. 

I asked that XXXX remove the account with RMS as an error of reporting, remove negative credit reporting and file the claim with XXXX. The initial problem was a result of a clerical error with last names not matching the original referral which had the correct last name. 

I am just asking for a common sense approach to this as it was really quite simple that XXXX had a referral for the correct last name but a medical claim from XXXX XXXX for the wrong last name. It was denied and patient first never resubmitted under the correct name even though they were alerted to the possible error in filing. 

Never the less, XXXX has now authorized the claim once again and to date, they continue to validate this as a debt to RMS, their collection agency. Additionally, I only received one notice from Receivables Management Systems in which I disputed. They had already placed this on my credit report before validating the debt.

Company response to consumer: Closed
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I terminated a rental lease for serious medical reasons with the understanding, according to their contrac t ( Article 11 ) that they will work on renting the apartment as soon as possible. I agreed and offered to pay  the months the apartment was not rented but they refused. Instead, they decided on remodeling a property not in need of remodeling and doing so at the expense of the Tenant, which demonstrates the Landlords failure to reasonably mitigate damages and bad faith on the part of the Landlord.     I,   XXXX   XXXX   XXXX   understands the legal relevance of his lease ; however the duty to mitigate damages is in issue here. As indicated above, since the  Landlord fai led to mitigate damages and failed to place the property on the market. Thus  XXXX   XXXX , should not be liable for any amount alleged by the Landlord due to the Landlords failure to mitigate damages.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have called XXXX and Transunion and have sent a multiple inquiry letter to both of them to remove all fraudulent inquiry 's off my report and I got the general card response that inquiries are factual and will stay on my report for two years. I have had a fraud alert placed on my credit file to ensure no credit is issued without contacting me. I explained to the Representative XXXX in the fraud department with XXXX and XXXX with the fraud department of Transunion that I had no knowledge of these inquiries as they are not tied to an account and I did not authorize those inquiries but I was told they are factual & they will not dispute them. XXXX with Transunion was VERY rude as I asked her to transfer me to a US special handling Representative she lied and said she could not transfer me and said she would hang up in my face if there was nothing else I needed. I believe Transunion and XXXX practices unfair procedures and I know for a fact that they do n't investigate anything wheather it 's inquiries or a account that 's reporting incorrectly.

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 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I sent a certified letter to Equifax about inquiries that I did n't authorize or recognized and I asked them to remove the inquires. In 2016 it was some accounts deleted off of my report because they did n't belong to me. The accounts had the same name as me but different addresses. after looking at my credit report I seen all these inquiries and some of them were reporting more than once.They sent me a letter informing me that, they are not required to remove these inquiries, I needed to contact the companies. I contacted the companies and they said I need to contact the credit bureaus. These inquiries have stopped me from getting the credit I believe I deserve. The reason for denial is too many inquiries. I 've asked this company by phone and in writing but nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I moved out of this property XXXX 2014. I went to court in XXXX 2014 to dispute charges of {$500.00}. The judge dismissed the managements charges. After recent review of my credit report, XXXX XXXX has placed {$9000.00} charges to my credit report. After several attempts to contact them, the have recently told me the charges are now dropped to {$6000.00}. I wish to have this removed from my credit report until it is legally disputed in the local district court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (IL).
Issue: Managing the loan or lease

Complaint: I am running a payment behind because originally I was told this loan would pay off a loan I have at Heights Finance. When I sent the check to XXXX it did n't pay them off. So now I have two payments. The manager of One Main, said she could n't do anything. With that said even though I have a payment scheduled in thier system they continue to call and threaten legal action. They have called my employer and sent mail there as well. Now they have also sent an employee of thiers in. My boss and I have both told them not to call me at work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Collection agency continues to call, after I have written to them ( 1 ) disputing the debt ( the debt is disputed, and no explanation has been provided, despite repeated requests from me for such explanation ), and ( 2 ) telling them that continued contact was prohibited after such written notice of dispute. They call from XXXX different numbers, to both home and cell phones, 4-5 times per day, every day.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rauch-Milliken International, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i hired a marketing company to start a Pay per Click ad campaign. I had two months worth of services. I paid for one month of the services and the other month i fell behind because our business started to slump dramatically. We are on the verge of going out of business and i was contacted by this collection agency and they claimed i owe XXXX when in fact i only owe {$600.00}. im willing to make payments on the {$600.00} and only the XXXX XXXX because we are under substantial financial hardship. Thank you

Company response to consumer: Closed
Consumer complaint received 03/20/2016 about Debt collection (Credit card) with Mandarich Law Group, LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I borrowed {$20000.00} on a Visa to pay my Mortgage, it was a secured loan against my house. When the HOA foreclosed, they sold my house at auction XXXX XXXX for {$50000.00}. My attorney told me the HOA assumed liability of the {$20000.00} XXXX Lien. I called the lawyers for HOA and they say they asked for payoff from the XXXX XXXX XXXX collecting for the {$20000.00} Visa but XXXX refuses to give the HOA atty. a payoff amount. I called the XXXX XXXX XXXX and XXXX who I had spoken to before, suddenly adopted a sing-song tone and answered " I ca n't give you legal advice. '' I asked again, I 'm not asking you for advice I 'm asking what is your intention, why are n't you giving the attorney for the HOA a payoff amount and demanding payment? XXXX repeated " I ca n't give you legal advice. '' On XXXX XXXX, XXXX I wrote a letter and mailed by US Post Office on XXXX XXXX with signature required which I am attaching the letter to XXXX instructing them to give payoff to the HOA attorney. I need your help so they will not do a charge off which will hurt my credit. It is on my credit report as a current debt of {$25000.00} for Visa CACH but as of XXXX XXXX, XXXX we passed the date of redemption when the Deed was transferred to XXXX XXXX on behalf of HOA and the HOA assumed that XXXX Lien. 

Please do not let Mandarich Law Group do a charge off and if you can help please force them to demand and not accept anything less than the whole {$25000.00} that was due. I am also attaching their XXXX XXXX, XXXX receipt to me for my last payment of {$50.00} to Mandarich Law Group CACH on XXXX XXXX, XXXX. 

On XXXX/XXXX/XXXX my application could not be accepted to rent an apartment based on my credit report which shows this as a current debt. In order to rent a place I need this debt removed to help restore my credit. 
Thank you for your help to protect my credit and I gave permission to publish for people in a similar position to know the consequences to your credit and if the collection agent refuses to cooperate, the Consumer Financial Protection Bureau is our Champion.

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 06-11-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an account with XXXX # XXXX that is listed on Experian and XXXX as a charge off account even though it has been paid. This account was paid 8-9 years ago and should not be on my report any more. I have disputed it several times to no avail. They have come back and stated that this account was verified but when i ask either the creditor or the credit bureaus for proof of the last date of activity i never get it. 

i 'm hoping you can help me resolve this as this is hurting my ability to obtain employment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint: XXXX acct # XXXX case # XXXX spoke with XXXX from Fraud Dept I was guaranteed that it would be deleted from my credit file the end part of XXXX XXXX due to fraud and they would issue me a deletion letter .This acct was never mine from the begging and I told them this years ago which they told me it was once removed, which they were not telling me the truth.I found out it was still appearing on my credit file.It needs to be removed by Bank of America XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX

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 09/22/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: I am very frustrated with SLS they dont want to offer me principle forgiveness, even though my loan is eligible. I had to pay for the for a new appraisal because SLS was stating my home is not worth {$230000.00} after paying for the appraisal my house was worth {$35000.00} only. However ; now they have increase the value purposely for their own benefit. This needs to stop I have tried to work directly with SLS. But unfortunately they keep making me re-apply. All I want is a fair review, I am tired of all the fraudulent claims SLS is using against me to prolong my loan, making me fall more behind. I am an elderly men and my family is helping me to contribute towards my household. SLS has all the proof of my current income which is {$XXXX}. My monthly expenses are {$2000.00} includes my monthly mortgage payment and utility bills. However SLS still stated I dont have enough for an affordable mortgage even though, I have a {$300.00} surplus. Like I have mention my home is severely under water and is only worth {$35000.00}. But SLS keeps changing the value for there benefit. I am tired all I want is fair review and to keep my house. I can not help but to think that SLS engages in fraudulent and deceptive practices during a modification review.

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 01/26/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (PR).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I currently have a loan with Nelnet. I have the income base payment plan, but the monthly interest is higher than the payment I can made. So my balance is increasing instead of being lower with my monthly payments because I am not paying enough to cover the interest. I write an email to Nelnet to  see if they can apply my payment to the principal, but they respond that my payment go first to interest and last to principal. And that I need to make additional payments in order to lower the principal. I can not pay a bigger amount right now and I feel that I am wasting my money because is not making any difference in my final balance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Shortly after purchasing my first home I was inundated with letters from a company by the name of Nationwide Biweekly Administration , Inc. These letters, copies of which are attached to this complaint, claimed to provide a more " budget friendly '' payment for my new mortgage loan, provided a " 100 % SAVINGS GUARANTEE '', dissuaded me from adjusting the payments I submit to my mortgage servicer to achieve the same promised results, and indicated their offer would expire because there was a date for me to contact them by. However, the letters did not list any payment processing fees or enrollment fees. I called Nationwide Biweekly Administration, Inc. on XXXX XXXX, 2015 to obtain more information from them, and their representative advised me there would be a {$2.00} debit fee for every payment ( XXXX payments x {$2.00} = {$65.00} per year ) as well as a " one-time deferred payment fee '' which would be approximately 10 % of the gross savings. Per their own correspondence, their sample interest savings for my loan was {$190000.00}. Per their own representative, that would translate to a {$19000.00} one-time deferred payment fee, which is egregious to say the least. After asking if I could simply add XXXX of my monthly principal and interest payment to regular monthly payments in order to equal 13 monthly payments and achieve the same results, their representative again dissuaded me from doing so. Their representative also advised me their letters have an expiration date because most savings occur within the first year. Their representative also advised me that they would also audit my payments to ensure payments are being applied correctly, to which I replied payment applications are easily reviewable on a payment history from my servicer. I believe Nationwide Biweekly Administration , Inc. has misrepresented the interest savings I would achieve through their program, has mislead me about the cost of the program, and persists in offering a deceptive program in which I in no way requested materials on.

Company response to consumer: Closed with explanation