milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Struggling to pay mortgage

Complaint: I APPLIED FOR HARDSHIP ASSISTANCE AND WAS DENIED DUE TO THEY CAN NOT FIND A FEASIBLE MORTGAGE PAYMENT. MY HUSBAND AND I ARE REQUESTING FOR HELP DUE TO MEDICAL PROBLEMS, MY HUSBAND WAS DIAGNOSED WITH XXXX XXXX. WHILE WE WERE DEALING WITH THAT WE EMPTIED OUR SAVINGS PAYING OUR MORTGAGE, OTHER BILLS AND MEDICAL. WE GOT TO THE POINT OF RUNNING OUT OF OUR SAVINGS AND KNEW WE NEEDED HELP SO WE HAVE REACHED OUT TO OUR LENDER AND WAS DENIED AGAIN DUE TO COULD NOT CREATE AN AFFORDABLE PAYMENT. HOWEVER, IN THE SAME BREATHE THE DID FIND SOMETHING AFFORDABLE WHICH WAS A REPAYMENT PLAN. THIS REPAYMENT PLAN THAT THEY ARE SAYING IS MORE AFFORDABLE THAN RE-AMORTIZING MY LOAN OVER 40 YEARS WITH A 4 % INTEREST RATE. THE RE-PAYMENT PLAN SPS IS STATING IS AFFORDABLE IS {$3900.00}, HOW IS THAT FEASIBLE OR AFFORDABLE THAN A MODIFICATION?!?!?!?!???? OUR FIXED HOUSEHOLD INCOME NET IS {$4400.00}, CAR NOTE {$300.00}, CREDIT CARDS {$150.00} = {$4300.00} IS AFFORDABLE TO THEM????? HOW IS {$68.00} AFFORDABLE TO PAY FOR GROCERIES, UTILITIES, INSURANCE AND MY PRESCRIPTIONS???? I RAN MY MORTGAGE INFORMATION THROUGH A CALCULATOR AND WHAT IS AFFORDABLE IS A 4 %, 40 YEAR LOAN WITH THE DELINQUENT AMOUNT ADDED TO THE BACK OF THE LOAN WHICH WOULD BE ABOUT {$2100.00}. IT IS CLEAR THAT SPS IS TRYING TO TAKE ADVANTAGE OF MY HUSBAND AND I SINCE WE ARE XXXX YEARS OF AGE. THIS IS THE EPITOME OF DISCRIMINATION AGAINST ELDERLY. I WILL NOT BE VICTIMIZE BY SPS AND HAVE ALSO FORWARDED THIS COMPLAINT TO MY STATE ATTORNEY GENERAL. I HAVE OWNED MY HOME FOR OVER 27 YEARS AND NEED HELP DUE TO MY HUSBANDS MEDICAL ISSUES. MY INVESTOR HAS MADE MORE THAN ENOUGH ON US IN INTEREST TO MODIFY OUR MORTGAGE TERMS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I have now contacted capital one 4x to close my company 's credit card account. I contacted them in  XX/XX/XXXX  after our balance was paid in full. I contacted them again in  XX/XX/XXXX  and  XX/XX/XXXX  after the account was still showing open. They are now charging us yearly membership fees, interest and late fees and refuse to close our account.
<P/>
This card has NOT been used since  XX/XX/XXXX , balance was paid in full and we asked account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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: Following the receipt of my credit report late last year from the XXXX, Experian and XXXX  consumer reporting agencies, I learned of an two separate adverse accounts from XXXX XXXX XXXX  and the U.S. Department of Education. Said accounts reported to all three credit reporting agencies under account numbers XXXX and XXXX - exact same account, reporting as two separate creditors.

I never had two separate student loans. Disputes with the credit reporting agencies were for naught as both XXXX XXXX XXXX and the U.S. Department of Education merely  confirmed the accounts. I complained to the creditors about the duplicate reporting - in writing - and even completed disputes with the credit reporting agencies. They were also ignored with no explanation whatsoever. 


Once again - I never maintained two separate student loan accounts. This companies ignored my concerns despite evidence to the contrary and complaints to the XXXX, Experian and XXXX  consumer credit reporting agencies. My FICO credit scores have been severely impacted as these separate accounts report as collection entries. 

I now file my complaint to the CFPB seeking relief.

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 03-10-2018 about Debt collection (I do not know) with NRA Group, LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received calls on the following date/times : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Answered phone first and second time to inquire as to what call pertained. They said collection was for medical payment for three payments of {$270.00} for copay to local primary care doctor office. Local health network uses electronic accounts and billing, in which all accounts are paid in full and current. Their billing department is unaware of why a collector is contacting me for this. 

I've informed the collection agency XXXX XXXX of this error and to please stop contacting me. They continue to call me every two days, including weekends.

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 01-07-2017 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (NH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a collections letter from XXXX XXXX XXXX for a {$2000.00} debt to PayPal. I do not have a PayPal account and this letter appears to be a scam. The company has offered to settle my non existent debt for {$700.00}. This company address is listed in XXXX but the collections letter was mailed from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other

Complaint: On XXXX XXXX, XXXX, I obtained a copy of my XXXX Credit Report which showed Capital One had ran XXXX requests for credit history information. These inquiries started on XXXX XXXX, XXXX. This was excessive so on XXXX XXXX, XXXX, XXXX XXXX an employee of Capital One, was contacted. He stated credit inquiries are ran as new applications for credit is received. On XXXX XXXX, XXXX, XXXX an employee of Capital One was contacted, she stated that once approval has been given additional credit inquiries are not needed, However, your payment history will be reported to the credit bureaus. On XXXX XXXX, XXXX, XXXX an employee of Capital One was contacted. XXXX stated additional credit inquiries will be made if additional applications for credit is received. I have not submitted any additional applications for credit in over three years. My account is current. If Capital One policy is to run credit inquiries when additional applications have been received, then constant inquiries into my credit history is not warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Collection agency is listed on credit report and attempting to collect a debt that is involved in the cramming class action suit. Please have AFNI first verify that they are allowed to collect any debt and provide a detailed modified bill of actual monies owed considering the cramming charges.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX collections reported an account with the amount of {$490.00} on XXXX XXXX and XXXX XXXX of XXXX. I have never received any mail or proof of Validation nor Verification from the company before they reported this. I am requesting that they send ALL DOCUMENTATIONS THAT SHOW I HAVE A CONTRACT WITH THEIR COMPANY ( I need to see my Actual signature on these documents ) Also send me proof that they have spoken with me before reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Paid mortgage with a check. XXXX would not accept my check because it was not the exact amount due. They did not tell me they would not accept the check. XXXX eventually mailed me back my check and marked me as a late XXXX I paid early with a check. I tried to pay more than my current mortgage payment to lower the debt. XXXX did not cash the check. XXXX mailed the check back a month later with a letter stating o can only mail check for exact amount due and Im not allowed to pay ahead. They took too long to tell me causing me to pay pay after due date. They should have cashed my check or called or sent check back earlier. So now I have a late payment showing XX/XX/2017. I should not have that. I tried to pay and pay ahead.

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 06/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: What is this XXXX? Experian XXXX did n't even try to verify my identity online on this site XXXX XXXX XXXX. They just automatically told me I had to request by mail? XXXX verified my identity, and gave me my report online immediately! They did n't ask me any questions or do any of the other things required of them! I can access my credit reports from other online websites no problem, and did yesterday but not from this site XXXX. It 's complete XXXX! They already have my info. XXXX gave me access to my free credit report instantly online on this site XXXX. 
Every other company under the sun can access my stuff but they block me from accessing it, unless it 's on a pay site! It 's not just me either. I know other people with the same dam problem. They are just turning this site XXXX into a scam to drive people to their pay sites! 

We 're sorry, for your protection we are unable to deliver an Experian Free Annual Credit Report over the Internet. 


We were unable to honor your request. If you entered your credit card information, we did not charge you. 
Sending us your informationTo receive your personal credit report by mail, please mail us this letter XXXX or the information in it XXXX, along with onecopy of a government issued identification card, such as a driver 's license, state ID card, etc., and XXXX copy of autility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and currentmailing address, and the date of issue XXXX statement dates must be recent ). We are unable to accept credit cardstatements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders asproof. To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. 
If you are purchasing your credit report, enclose your check or money order for {$13.00}. 
If you wish to purchase your XXXX XXXX XXXX XXXX report provided by Experian, enclose your check or money order for {$8.00} XXXX includes state sales tax where applicable ). XXXX is owned by XXXX XXXX, XXXX. 
Mail this form, along with payment ( if applicable ) to : ExperianXXXX XXXX XXXX, TX XXXX [ ] Check here for overnight delivery and include anadditional {$20.00} overnight processing fee. [ ] Check here to authorize delivery of overnightpackage without obtaining signature.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I 'm writing to complain about what I think are excessive Late Fee charges over time. After deferring payments on this private loan for the maximum time, a year, because I was n't earning enough income to make my payments, I had to start making payments. I was fortunate enough to get a XXXX job so I could do that but my payments were still often late over a period of XXXX years, so I was charged many late payment fees. Those fees have totaled over {$350.00} so far and I think those are QUITE UNFAIR AND EXCESSIVE, especially considering my interest rate on this private student loan is over 12 %. Congress needs to write laws regarding the maximum late fees allowed yearly on private student loans. Having these private loans has certainly discouraged me from getting more education, something that would certainly benefit me in the job market. So my question is, is that what excessive LATE FEES and ridiculously high student loan INTEREST RATES are supposed to do? Are they supposed to DISCOURAGE people from pursuing graduate degrees? Is that what Congress thinks will be BEST for the economy, or do n't they think in those terms?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (MA).
Issue: Application, originator, mortgage broker

Complaint: I recently refinanced my mortgage with Quicken " rocket ''. Quicken repeatedly tried to charge me points for rate locks where ( 1 ) the cost was not disclosed prior to the charge being assessed ; and ( 2 ) no options were presented with regard to the length of the lock or the cost of various alternatives. I refused to pay and Quicken removed the charges but showed no remorse and apparently think there was nothing wrong with their behavior. I believe this practice is costing consumers many millions of dollars per year in needless charges that they are not astute enough to recognize or complain about. I would hope the CFPB would require fuller disclosure of rate lock costs and options. ( I am a XXXX, and had no idea this type of behavior was permissible ).

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

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 01-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with H. Kent Hollins, Attorney at Law, P.A (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This judgment was filed in XX/XX/XXXX in XXXX County. I found out that the federal prohibits someone from collecting debt after ten years in the state of XXXX. The business alleged debt refers to XXXX, Doing business as LLC. They are out of business and also in the state of XXXX, which is out of the jurisdiction for them to collect from me without filing in the state of XXXX, where the debt originated and since the debt was not sold they are committing fraud. The collection agency that continues to try to collect the debt is a collection agency, which is in the state of XXXX and is the Attorney at Law P.A. Kent Hollins. They use a bogus account number that claims they have a XXXX County case Number registered through the court. I have contact the court about this issue and they have no Judgment listed under the number that the collection agency is using to collect the debt. They are attempting to continue to collect by a the letter sent by them, to persuade me to sign a form that they continuously keep sending, which states if I have a dispute to sign and request a court hearing. My Bank account has been garnished for the second time now and the first time they release the judgment because they found out through investigation that it was bogus and released funds back into my account. The collection agency came back again raising the amount from {$620.00} to {$740.00} on XX/XX/XXXX and then raised the amount XX/XX/XXXX to {$830.00}. I contacted them after speaking with the bank representative to resolve the issue by asking if I can settle out with them by giving them {$50.00} and they refused that offer and requested for more information and after that conversation I told them I would get an attorney and they told me to do this. Since the bank I bank with is a third party to parties that are trying to collect the debt, they are waiting on me to send them a letter and proof of this debt being fraudulent. I am sending my evidence to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted complaint on Wells Fargo. It seems like the only difference is Wells Fargo continues their deceptive practices right under this agencies nose. I have been sending the same documents to them for close to 5 years now, to no avail. It is obvious to me that no one is going to dig deep enough to expose their deceptive practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX until now XX/XX/XXXX- I am a victim of fraud. I told the bureau that the phone numbers, address, and names are not me and verbally they advised it was correct. I have found companies that have slammed me ( XXXX ) with incorrect reporting-per them it was open in XX/XX/XXXX for one month but, you cant have to companies - I sent over information of proof that XXXX was the provider which was on my report. I disputed both the utility and medical but, XXXX violated my rights- I provided the information that was request but, the fraud representative stated the had to do what the creditor wanted regardless. So, I was advised that XXXX will do what the creditor advises only and the other person is not has no rights. The agent was rude and hung up the phone. I called back and the next agent after giving them my info did a blind transfer and it hung up. I call again and asked for a manager and was advised no manager was on duty in the fraud depart. Man was rude and state lets dispute it again but, he never did.. I just check.. I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. However, XXXX XXXX dates are not correct and the bureau is also aware and refused to do anything.

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 02-10-2016 about Debt collection (Medical) with Professional Medical Management, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The collection company, financial recoveries, claims that they sent me the verification letter after they talked to me, but the fact is that 1 ) I did not remembered that they ever contacted me and 2 ) I never received the verification letter. I do n't know this debt until the landlord told me I have a collection record in my credit report. 

The reason I did not receive is might be they send to my old address. It 's their mistake in their job that fails to verify my information before they sending out the document. The key thing is that they put this information into my credit report without sending me the verification letter, nor notifying me that this debt has not been paid by the insurance yet.

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 05/13/2016 about Debt collection (Medical) with Debt Recovery Solutions, LLC (WA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: 2 days ago my wife and i received phone calls from private number stating they have paperwork to deliver with lawsuits, then I received a notice in the mail from Debt Recovery Solutions stating I owe XXXX from a debt that is over 14 years ago that was not even mine. It was a identity theft. I called the number on the bottom of the paperwork XXXX which is a robo number stating I could win a XXXX dollar gift card to merchants like XXXX. I did not speak with anyone. This is a scam company and please review the letter I have attached.

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 12/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I cancelled internet service and returned a router to XXXX, a month later they said they did n't receive it. I mailed them the receipt from the post office showing I returned it. I called and they said they did n't receive that receipt either. I sent everything to addresses they gave me so I do n't understand how come everything got lost and I was sent to collection when I did everything the way I was supposed to.

Company response to consumer: Closed with explanation