milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2015 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I send XXXX check electronically every month at the same time for my daughter 's student loans, and they always arrive on time. NJ Class made a clerical error and did not log the XXXX checks on time, and claim that I paid late and now owe them this month 's and last months checks. I sent them proof of payment and they stated that those checks were for the previous month, which is incorrect. The payment is due on the XXXX of the month, and I always pay so that they get the payments by the end of the previous month, which is a few days early. These loans were for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IL).
Issue: Trouble during payment process

Complaint: 1. We opened a mortgage in XXXX. 

2. Between then and XXXX, we made escrow payments totaling {$4600.00}. 

3. We asked Ditech to close the escrow account in XXXX. 

4. They closed the account in XXXX and refunded us {$1500.00}. This means they still owe us {$3000.00}. 


5. On XXXX XXXX, we sent the following letter : Hi, Thank you for closing out my escrow account. 

In reviewing the documents associated with my escrow account close-out, I believe that you refunded me too little money. You refunded me {$1500.00}. My calculations in the attached spreadsheet show that I contributed {$4600.00} to this account. Please promptly refund me the difference of {$3000.00}. 

Thanks, XXXX 6. They wrote back a letter which I have attached below. The letter says " Enclosed, for your records and review, is a copy of the HUD-1 Settlement Statement.  Please be aware that this statement does not reflect taxes being paid during the origination of this loan. '' 7. Ditech 's second sentence is factually incorrect. The first line on Page 4 of 4 in the HUD settlement shows that we paid {$6800.00} for " 2016 2ND INSTALLMENT TAXES XXXX to XXXX XXXX FOR 2016 TAXES '' at the closing. XXXX XXXX XXXX XXXX XXXX paid our property taxes and refunded us XXXX on XXXX XXXX. This refund posted to our account on XXXX XXXX, see attached. )

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: XX/XX/XXXX- Emergency Room visit.
XX/XX/XXXX - ER bills my insurance company for XX/XX/XXXX ER visit ( {$590.00} ). Claim processed and paid.
XX/XX/XXXX - ER bills my insurance company AGAIN for same XX/XX/XXXX ER visit ( {$590.00} ). Claim processed but NOT paid while insurance investigates duplicate charge.
XX/XX/XXXX - ER sends the second/duplicate claim to collections in spite of obvious billing error.
XX/XX/XXXX - Discovered duplicate claim/bill went to collections during the process refinancing a loan. Contacted XXXX XXXX XXXX  to resolve. Paid account in full because I could not afford to have a open collection account on my credit report while applying for loan.
XX/XX/XXXX - Discovered the New York Attorney General Settlement/Credit Reporting Agencies Agreement ( see below ) III. AFFIRMATIVE OBLIGATIONS AND PROHIBITIONS A. Data Accuracy and Quality 3. Medical Debt Collections c. The CRAs shall implement a process designed to remove or suppress known medical collections furnished by Collection Furnishers from files within the CRAs respective credit reporting databases when such debt is reported either as having been PAID IN FULL by insurance or as being paid by insurance.
XX/XX/XXXX - Faxed proof/supporting documentation from insurance company to XXXX XXXX XXXX  indicating original bill was PAID IN FULL by insurance and the that the second/duplicate claim was due to a a billing error. In spite of this I was told that it still would not be possible to have the account " deleted. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/17 I contacted Experian about unauthorized inquiries on my credit report. I spent almost a hour on the phone and waited for a supervisor so that I could dispute the unauthorized inquiries. The rep I talked to first told me I would be able to dispute or delete them with the supervisor and I was transferred and waited on hold for almost an hour. Once the supervisor got on the phone, he said he could not help me. Every inquiry on my report was not aunthorized by me except XXXX XXXX in XXXX 2017. Every other one is no authorized by me. I would like these deleted.

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 10-03-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am unable to access my experian credit report online. I have a new report number issued XXXX XXXX, 2015 and every time I attempt to view my credit report it gives an error message that they are unable to complete my request due to the number of views associated with that report number. However, the report number is new. I was previously a victim of identity theft and regularly monitor all of my credit reports for suspicious activity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am a veteran, I have recently moved to the state of XXXX. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.

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 02/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I received a notice in the mail that I missed the XXXX 2016 payment on my mortgage from Chase Bank. When I went to the Chase online Bill Pay center to pay my mortgage, the system populated with the following choices : monthly amount due, late fee, additional principal, additional escrow/shortage. Nowhere was there a choice to pay the missed payment, nor an indication that I actually owed two monthly payments. So, I paid the " monthly amount due '' and the stated late fee in XXXX, 2016. Then, I received another notice, stating that I missed my XXXX, 2016 monthly payment and assessing another late fee. 

I believe the Chase Online Bill Pay system is deceptive and resulted in me incurring additional late fees that I should n't have incurred. I now have put through several monthly payments, along with XXXX {$120.00} late fees. That is wrong, particularly for a customer who consistently pays her mortgage on time and simply missed XXXX bill in the mail at the end of the year.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Received an email today, Saturday XXXX/XXXX/XXXX ( Holiday Weekend ), that my car payment is due in 5 days but also that the online pay and phone pay systems have been shut down for maintenance and will not be opening up back up until after my bill is due. I also probably wo n't be able to mail in on time because of holiday schedule, unless I pay extra for expedited shipping, plus I already threw out my bill because I always pay online through a 1-time ACH. This seems like a very underhanded move to get people charged late fees and to put blemishes on their record. I 'm shocked that this could even be allowed. I have paid on time/early on every payment since the loan started. This is completely ridiculous that a financial company can act this way.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PNC Bank N.A. (OH).
Issue: Problem adding money

Complaint: My account is negative because of an XXXX and I need to add money and XXXX XXXX wo n't let me

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (Home equity loan or line of credit) with TCF NATIONAL BANK (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I received a letter on behalf of TCF national bank from an attorneys office XXXX XXXX regarding Loan Number XXXX for property address XXXX XXXX XXXX XXXX IL. XXXX. They are stating that if I do not pay the alleged amount of XXXX. this includes their attorney fees that they will begin foreclosure proceedings on my home.I am disputing TCF Banks claim that I owe them XXXX for a credit line I never was aware of or used. I never authorized this credit line, I believe the representative at TCF bank fraudulently took this credit line out in my name. The first time I became aware of this fraud was when I went to do a reversal mortgage and the attorney I saw for the reverse mortgage brought it to my attention. In between my health issues, I have gone to TCF on countless occasions over the past couple of years asking them to provide me with an explanation of where this money came from as I never took this money out, I never spent this money. TCF can not provide me with any documentation of where this credit line was in fact used who used it or how it was spent. I have complained to TCF many times and reported this fraud to the branch managers at several locations and each time they could provide me with no proof. They have also sent me to other branch locations per their direction to try and find out a solution or documentation about this matter. I have followed TCFS instructions to go to each branch they asked me to and documented who I spoke to all they did was give me the run around. They can not provide me with a signature on the back of the check they say they gave to me which they did not. I am asking that you help me they committed fraud against me and took advantage of my health conditions at the time and now I may lose my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (VA mortgage) with M&T BANK CORPORATION (WY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from XXXX to M and T Bank effectiveXX/XX/XXXX XXXX. M and T bank charged us a XXXX fee with our XXXX payment to them. 
They claimed it was from XXXX bank, but we did not have a balance with XXXX. 
Our account was up to date. I called them and they refused to remove the charge. 
account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I cancelled the contract in less than 3 days with XXXX because I had to move. They refused to allow me to cancel and want money I do not owe! XXXX (? ) Place a collection and it was removed as shown on my XXXX credit report, now Stellar Recovery Inc has it listed as a bad collection debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (I do not know) with Concord Resolution Inc (Closed) (MA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Company alleged that I owed $ XXXX+ on a payday loan, despite the fact I have never received a payday loan. 
They were extremely aggressive and hostile on the phone and threatened to take legal action. 
They never disclosed the " mini-miranda '' or that this call was to collect a debt. 
They also called daily, sometimes multiple times, leaving messages each time they called. 
When I asked to receive debt verification, they claimed that they had already mailed documents previously, but I never received any such documents. They refused to send me any documentation or verification and only got more hostile on the phone. 
Most distressing was that they had personal information including name, address, bank information, and social security number. 
This was most definitely a debt collection scam.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was denied employment because of a judgment against me. 
I was/ am completely unaware of any hearing, never received any notice of collection of a debt by Midland LLC . 
Midland LLC apparently took me to court somewhere without serving me any documents, and won a courts judgement. 
I was never notified of any hearing, complaint, or received notice of collection of a debt by Midland LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan modification,collection,foreclosure

Complaint: A qualified written request was submitted to the lender on  XXXX / XXXX /  XXXX   with no response and no postponement of the sale date to allow time for there research to provide the requested loan information and history to assist the client in keeping there home

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The purpose of this letter is to inform you that I disputing my debt with Ability Recovery Services XXXX LLC of {$2000.00}. The debt that I owe originated from XXXX University XXXX " the School '' ). The reason why I am disputing this debt is because my outstanding debt to the school is {$1600.00}. However, upon receiving a collection notice from the Ability Recovery Services XXXX LLC ( " the Company '' XXXX, the outstanding debt increased by {$400.00}. 

On XXXX XXXX, 2015, I spoke to XXXX XXXX XXXX a representative of the Company to request the actual amount I owe to the School. During my conversation with XXXX XXXX, I informed her that the collection amount sent to me was incorrect and that I was told by the School to ask them how much they were charging me over and above my outstanding debt. XXXX XXXX 's response was that her company was not going to disclose that information as I did not have a need to know about my outstanding debt and that the Company had a right to profit off of me. After writing the attached letter to the Company on XXXX XXXX, I received an Account History Report from the Company on XXXX XXXX, which I have included. 

There are few issues that I would like investigated. The reason for the investigation is that I believe the Company is conducting an unethical business. 

The XXXX item I would like you to investigate is the excess charge of {$400.00} over and above my outstanding debt with the School. The XXXX issue deals with the threats and harassment by XXXX XXXX. XXXX XXXX became threating and started harassing me during the conversation in which she told me it did not matter that I was working with the School as they were going to report my outstanding debt to the credit bureau regardless of the efforts I was taking to address my debt. At that point, I asked to speak to a manager and was not allowed to do so. In fact, XXXX XXXX told me that was not going to talk to me and that they had no reason to do so. She proceeded to hang up the phone on me. 

In closing, I am still striving to work with the School to see if we can settle my outstanding debt and set up payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX, a collections attorney, has pulled FOUR hard inquiries on my Experian file without my permission TO INTENTIONALLY DAMAGE my credit when he could get the same information from a soft inquiry. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 03-03-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collection agency has placed a judgement against me and on my credit report, the person owing the debt is not me. The collection agency has the wrong person, the person they need to contact my son. The collection agency should have done a more through background check and failed to realize their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (SD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had called the original creditor and they said that I had to deal with Portfolio Recovery Associates , LLC. I called them and said that I wanted to settle the debt but would first like to have a debt verification as well as a settlement agreement letter sent to me. They told me that they could n't do both. If I wanted the debt verification, they would not do a settlement agreement. I talked with 3 different people who denied what the person before them said since it was n't in the notes and once guy actually said that since he can tell me my name, address and last for digits of my social ( which they actually asked for when I first called to verify who I was ) the debt was verified. At the end I basically had to give up and accept a settlement agreement letter that says when the company purchased the debt and who they purchased it from if I wanted to be able to settle the debt so I can clean up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX is trying to collect on a debt that has reached the Statute of Limitations. In the letter that was mailed to me, the date of debt was purposefully obfuscated. I called absolute Solutions and I was told that the statue of limitations on the debt had expired. 

XXXX XXXX was rude and disrespectful when I called to resolve the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Other financial service (Debt settlement) with Navient Solutions, LLC. (LA).
Issue: Disclosures

Complaint: In XXXX, I made the required number of payments to rehabilitate my defaulted student loans. I was told by a representative at the time, who was from either Pioneer Recovery , Inc., or XXXX XXXX XXXX, that XXXX XXXX XXXX ) consecutive payments would have to be made to a company called XXXX. After which, my loans would be in good standing ; the collection fees would go away and I could defer the loan if need be. Pursuant to what I was told, I set up the payments for automatic debit from the checking account. After the payments were made, I received a letter from XXXX XXXX XXXX XXXX, saying congratulations on the rehabilitation. I was then told by one of the servicers that I would have to immediately start making {$400.00} payment per mo. At the time, I could not afford to make {$400.00} payments and I therefore requested a deferment and was told that I could not defer the loans. The loans were never placed in good standing, the collection fees did not go away, and a deferment was not available. 
In late XXXX, to resolve my student loan dilemma, I requested detailed accounting from Pioneer Credit Recovery on how my payments had been applied and other information. They supplied very little information. Through all of this, I was receiving correspondence, simultaneously and sometimes conflicting from XXXX XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, c/o Navient, XXXX, Pioneer Credit Recovery , Inc., XXXX, XXXX, and Navient. Dealing with these various companies has been confusing, frustrating, inaccurate, inconsistent and most of all deceptive. I would like a clear explanation of how my original student loans totaling {$55000.00} are now $ XXXX. In closing, these companies have reported inconsistent and inaccurate information to the credit bureaus adding to my frustration.

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