milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 05-05-2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: CAINE & WEINER COMPANY INC,  i was contacted by this company about a debt i was presumed to owe   XXXX   XXXX   (  XXXX  $  ).  I asked kindly for them to forward something in writing. they stated they already had and would not do so again. I tried to explain i had no record and that possibly i had misplaced what had been claimed to be sent. still no luck, then i tried to further explain that with all the robots and scam collection efforts in this country that i really needed this confirmation, I received no less than  4  calls from the same collections person presumably in California, same thing each time, they did insist i contact progressive, I asked if they were the ones servicing the debt? answer yes, again asked them to confirm by mail and assured them we could do something about the debt than all would be happy, still no luck they were unwilling and somewhat inconsiderate and unhelpful in the collections attempt, also disputed was the amount, they would have no part of this, ultimately  XXXX  did contact me about an error in the amount (  XXXX  $  )! !! but by this time the debt had been reported to the credits agencies b y Caine & Weiner.  it would seem unfair if not illegal for a company or person be able to report a debt for collections if they are unwilling or unable to service a debt

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Please refer to case # XXXX. I have applied on behalf of my aged ( XXXX yrs. old ), ill mother to have Chase Bank reduce the interest rate on her mortgage loan XX/XX/XXXX. She is currently paying 7.85 %. The she is retired and on a limited retirement income. The house needs a new roof as the current roof is over 50 yrs. old and is leaking causing water damage to the structure. She is trying to save money to replace it. We supplied Chase with all of the required documents but they have continued to " sand bag '' us by taking their time and requiring each month that we supply additional bank statements, proof of residence, etc. We recently sent a copy of a utility bill ( water bill ) showing that my mother lives at this property. They are refusing to use the document. This has been going on since XX/XX/XXXX, 4 months now. My mother is getting very upset over this. She has made every payment on time since loan inception, XX/XX/XXXX. We need assistance from the Consumer Financial Protection Bureau in getting an answer from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Medical) with Avadyne Health Holdings, Inc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a debt from child birth that was sent to H & R Accounts in XXXX of 2015. I had XXXX medicaid and health insurance, and the medicaid took a bit longer to cover the cost. I have contacted the hospital in which the debt was owed, who state I now owe nothing - I have a XXXX balance, because it was paid. I have contacted H & R Accounts XXXX 5 times in the last few months attempting to get this removed from their records and taken OFF of my credit. I am told different things each time I contact them and I am not sure what else to do. I have disputed this credit, and the dispute did not change anything but H & R accounts came back with a derogatory remark on my credit. The hospital ( XXXX XXXX in XXXX, NC ) is attempting to contact H & R to have this removed. I need help with getting this removed from my credit, since I DO NOT OWE IT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (WV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is about a former creditor  WELLS FARGO HOME MORTGAGE . Address :  XXXX   XXXX   XXXX   XXXX   XXXX , IA  XXXX .  XXXX   XXXX   XXXX   XXXX . The problem here is that it was paid back on  XXXX  in the selling of the property I owned, which I have supportive documents of that sale and the date of the sale and the payment to  Wells Fargo Home Mortgage. But, I was still given a negative report from   XXXX   to  XX/XX/XXXX  for making late payments. It was said I  made a  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX . I tried contacting  Wells Fargo  and they saw the mistake but refused to correct it. On   XXXX   I disputed it to   XXXX  ,  XXXX  and  XXXX  but it still was not resolved. I contacted them once more on   XXXX   and still nothing has been changed.

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 04-03-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Please file the following documents on the CFPB case ( s ) XXXX and prior WFHM and XXXX case ( s ) as well as XXXX XXXX XXXX XXXX  case ( s ) XXXX and prior XXXX XXXX XXXX XXXX case ( s ) filed with the CFPB and other case ( s ) within the Federal Government in regards to XXXX discrimination complaints concerning housing. 

The attached {$50.00} returned check from XXXX XXXX XXXX XXXX, VA relates to pro-rated taxes XXXX XXXX XXXX paid on property address XXXX XXXX XXXX XXXX, VA XXXX in which she was forced out of in XX/XX/XXXX. This amount does not account for the premiums XXXX XXXX XXXX paid directly to WFHM that were utilized and accepted by the third party XXXX XXXX XXXX XXXX, VA in XXXX and thereafter. 

Also, please be advised that XXXX XXXX XXXX XXXX is preparing revised/false tax statements and the evidence is attached for XXXX personal property taxes. All payments can be verified through XXXX. This matter remains a XXXX discrimination case against WFHM, XXXX Bank, and XXXX XXXX XXXX XXXX against XXXX XXXX XXXX, an XXXX XXXX woman. 

XXXX XXXX XXXX will continue to allow the payments scheduled for prorated taxes to be paid to the county of XXXX & XXXX to further support her claims against housing discrimination based on race ( XXXX XXXX ) because this property WAS NOT voluntarily surrendered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Problems when you are unable to pay

Complaint: In XXXX 2008 I purchased a car that was finance with Santander Consumer I was making monthly payments until my bank account was compromised and I fell behind in my payments. I notify Santander, it took the bank some time to replace my funds in my account. Santander stated they was going to place me in collections, when the bank did replace my funds, again I notify Santander and informed them I was ready to pay all payment in the rear. Santander stated if I pay the total balance they would not put any derogatory information on my credit report. I kept my promise and paid them of, f but Santander did not keep their promise. 
In XXXX of this year I found out they did report my account as a charge off. When I called them and reminded them of their promise they change their report to paid after charge offI would like for Santander to keep their promise and remove all derogatory information on my credit report. They have their money

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: XXXX   XXXX   - I overdrafted on my checking account, so I called Fifth Third and signed up for overdraft protection on my account that was connected to my Fifth Third credit card.
<P/>   XXXX   XXXX   - I overdrafted on my checking once more and was charged an overdraft fee, so I called and they said I never signed up for overdraft protection, so they signed me up for it once more.
<P/>   XXXX   XXXX   - The same thing happened. I was charged with an overdraft fee once more, so they set me up with overdraft protection again. I then filed a complaint with the CFPB. They reply letter from Fifth Third lied and said that I denied overdraft protection from the bank.
<P/>
  XXXX   XXXX   - Again, I was charged an overdraft fee. I called, they said there was an error with signing me up so they had to set me up with overdraft protection again.
<P/>
  XXXX   XXXX   XXXX   - I once more was charged for overdraft fees and I called and they again said there was an error setting up my overdraft protection and they said there is nothing they can do for me because they do n't have anything on file of me signing up for overdraft protection.
<P/>
This has gone on for well before last  XXXX . Fifth Third has constantly charged me with erroneous fees that they ca n't explain and I 'm stuck paying for them. I will be switching banks in the next few months once I close my business, but I want these errors and constant fees to be reimbursed. Whether its ignorance on their part or straight up trying to get away with charging fees when they should n't, I should n't have to pay for their issues.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (I do not know) with Everest Receivable Services Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This creditor is harrasing me at work. They are calling my children repeatedly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Monterey Financial Services LLC (FL).
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: In 2015 I attempted to purchase a Time Share from XXXX XXXX in XXXX XXXX. My husband and I traded in our time share to XXXX XXXX for a XXXX trade in price. I started to get bills from our ( thought traded time share XXXX XXXX ) we found the time share had not been in fact purchased By XXXX XXXX and that we still owned the one we thought we traded. We were told the developer at XXXX XXXX was not able to purchase our time share because of inventory issues. Shortly after we stopped paying maintenance fees on the new time share because we don't own it. I received a call from from Monterey Financial a collection company in California ( who has assumed our debt ) telling us that we did not have an agreement for a trade and that we owe for both time shares. Monterey is in California and XXXX XXXX is in XXXX. Out attorney sent Monterey and XXXX XXXX a cease and desist letter. We then had our attorney file on our behalf a letter asking XXXX XXXX to remove it from my credit report since we were in litigation. I submitted three disputes and they came back with a response that the collection " had been verified '' I attempted to submit a letter to the credit bureau and it will not allow me to dispute the issue as it states I have submitted a dispute in 120 time frame. I explained to XXXX XXXX it is severely damaging my credit. They refuse to remove it. Monterey Financial only called me once and immediately put me in collections. Their practices are unlawful and I reserve the right a consumer to have fair reporting. They are not reporting it honestly, it affected my car rate and it is affecting my credit reporting score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Credit card) with Account Discovery Systems, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A man called my work and asked for me. I came on the line and said I am not allowed to take phonecalls at work. He said he is just going to keep calling me at work until I take care of this. He called me 3 more times in 30 minutes. 

I said, " what company are you from? '' several times, and he would not tell me. The number that called me was XXXX. I am not sure if this is a scam or what, so I said send me the information. He said, " If you 've gotten something, why should I send you more? '' I said I thought this was something I had already paid. He is saying It 's something different. So, he needs to send me the info. but instead he just wants to harass me at work. I could loose my job.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (NE).
Issue: Managing the loan or lease

Complaint: I have a car loan through Fifth Third Bank in XXXX, OH. I cancelled my insurance through XXXX XXXX and started using XXXX in XXXX of 2014. They did not receive the change and started adding insurance to my loan. they claim that they were sending letters but I never received them. This month they placed a repossesion order on my car for non payment of over XXXX dollars. This was when I became aware of the insurance added. I sent them the documents showing no lapse in insurance and their insurance department said a full refund had been submitted. This was on XXXX XXXX. He said it could take 7-10 days to hit collections. I then called collections to see if they could talk to the insurance department and get the repossesion order stopped because I am approved for full refund, and all they kept saying was make a payment to stop it and refused to talk to the insurance department. They refused to transfer me to the insurance department, the just continued to badger me to make a payment for something their insurance deparment had approved for refund. It has now been 7 days since the approval and the repossesion order is still out for something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Consumer Loan (Installment loan) with Delbert Services (AL).
Issue: Managing the loan or lease

Complaint: Spoke with the dept of loans here in Alabama and was told this company does not have a license to do business in Alabama and that she had sent these companies I mention in this report to you all for investigation from other consumer. I took out a {$2600.00} dollar loan and paid {$290.00} for a year and my balance is still XXXX With past due of {$610.00} and then tried collecting again through XXXX for the total amount of the original loan, now reporting on XXXX with XXXX as a write off of XXXX $ with a {$1600.00} past due balance. I was told by the contact person for bureau of loans that this was given to you all before and is being investigated. Many states have taken action including voided these loans. Please get these predatory people to shut down. Western Sky is the originator of these loans and the document by Delbert services says refer to Western Sky for questions. This info needs to be verified. Western Sky is not doing loans now. I wonder why? They immediately after doing the loan say they sent info via email that they ( Delbert ) would be collecting on the loan. Please do research and figure why did they sell the customers from western sky to Delbert services and now XXXX XXXX. They are killing my credit report because I am refusing to pay after researching they are under scrutiny with other states. This has got to be illegal. They are now trying to collect with settlements for half the amt of the loan and someone has been calling my cell and not leaving a message. He 's asks for me and does not say. I owe no one to call me discretly. I think it 's XXXX trying to catch me. Please make this go away off my credit report. I have tried hard to fix it and now they have trashed it along with having been harassed for months before contacting you all before. They wrote it off XXXX for {$2600.00} and sent an email to collect again XXXX/XXXXXX/XX/2015 for the XXXX {$.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient will only offer graduated payments which makes my student loan payments over {$2000.00} a month. I 'm a XXXX!! I 've explained to them many times we have nothing to live on, much less keep a roof over our head with a payment like that. I 've managed to keep it in hardship forbearance for several months now. A few months ago my student loan balance was XXXX, as of today it 's XXXX. I have not borrowed another cent since 2012. I 've tried to pay what I can on them, but XXXX a month is just too much on a XXXX 's salary. Besides, is there not a loan forgiveness program for XXXX at XXXX XXXX XXXX?? I asked and was bluntly told I was n't eligible even though I 've been at a XXXX XXXX XXXX  for 9 years! Please help!! These people are going to make me XXXX and homeless!

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I have fr previously submitted a complaint XXXX. The response from Chase bank was n ot what I had wanted. I want a detailed investigation as to photo status of the alleged credit card that I am alleged to have on XX/XX/XXXX am XXXX XX/XX/1994. What yhis did I buy with this card.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I closed on the sale of our home on XX/XX/2016. We then moved into our apartment the following day. On the day of closing, we were advised by the title company that we should expect an escrow payment from our mortgage lender Dovenmuehle. We contacted them and inquired if the process. We were advised that we would need to send in our updated mailing address and the check would be processed 15 days after the loan was paid in full. 

I sent this information XX/XX/XXXX, through several phone calls I have had with Dovenmuehle the address has been verified and I have even received a letter printed XX/XX/2016 regarding the account details of my loan from XX/XX/2016 thru XX/XX/2016. But, I have not received my escrow check. 

My account says the escrow refund was processed XX/XX/2016. 

I have called Dovenmuehle several times regarding this issue and with no exaggeration, I have received a different story each and every time I have called. 

* I have been told the check was sent out and I would have to wait 30 days until they would resend. 

* I have been told the check was sent out and I would have to wait 60 days until they would resend. 

* I have been told a new check was sent the week of XX/XX/XXXX and would be processed within 2 business days. 

* I have been told a request was processed but could not be finalized until 7-10 days from the second check request ( XX/XX/2016 ) * On the most recent conversation XX/XX/2016 have been told I would have to wait until XX/XX/2016, and on that day I would need to call and request a new check be processed. 

There is no consistency, no accountability and a reputation of distrust has been established. I do n't know where this check was sent, but one thing is for certain I do n't have it and for me to get a letter of an Escrow Statement printed on XX/XX/2016 before I got a checked issued XX/XX/2016 lets me know here is undoubtedly a problem, one which they have given me zero assurance that they are taking care of and now they have placed the responsibility on me to make sure their information is sent correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: This morning I saw that the Pennsylvania AG filed a lawsuit against Navient and felt vindicated ; what the Pennsylvania AG is claiming Navient has been doing is EXACTLY what has been happening to me for years with that entity. I have loans that I incurred for my children. The monthly payments were close to {$500.00} a month which I could not afford. I REPEATEDLY asked if I could make lower payments and was told I could NOT. What they could offer, however, was a forbearance which I thought was self-serving because it only caused my loan balance to soar over time. I felt this practice ( not allowing folks a payment they can afford ) was wrong, but as a single individual, was n't sure how to take on a company as formidable as Navient. I am GRATEFUL the Pennsylvania AG is taking them on for us and would like California to consider doing the same. If so, I am IN and would freely offer my testimony as to my experience with Navient. I 'm sure there are thousands just like me who have been disallowed a lower payment and have felt as helpless and taken advantage of as I have.

Company response to consumer: Closed with explanation