milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2015 about Consumer Loan (Installment loan) with The CBE Group, Inc. (UT).
Issue: Taking out the loan or lease

Complaint: CBE Collections put a collection for a medical bill on my credit reports. I do n't even owe any doctor or hospital bills, and I think this is a scam. I think they are trying to get me to pay for something that never existed in the first place. I went out to the XXXX for the State of Iowa where this company has its headquarters and there were many complaints about this company targeting seniors in just this way.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Late fee

Complaint: I opened a " Kohl 's '' charge account which I always have paid more than the amount due. I did not always receive my bill on time, a few times I had been late. I found that I was being charged more than what I owed because of them adding a very high late charge, when I had already sent in the payment. The last time I got XXXX of these late charges I paid it with a small balance on my account. I owed nothing. Next thing I know they send me a bill with a late charge as the balance and a interest amount on top of it. I contacted them and told them what was going on and they just kept trying to collect it, I then received another bill and a phone call, on the call I explained to them what had happened and they told me that there was nothing they could do. I asked to speak to a supervisor, when I did I explained that my bill was already paid off in whole and that their whole balance was in late charges added after the fact. She said she would take XXXX fee off but not the other. I told her I would not pay either XXXX. I recently received another bill with the amount showing an additional charge for delinquency and they also reported me to the credit agencys to drop my credit score. This is why I stopped getting credit cards prior. This kind of abuse of their using my account to try to make money they are not owed. I also told them that I would not pay for late charges after my bill had already been paid in full and I was reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MO).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My husband and I owe Navient/XXXX a total of {$100000.00} for our Private Loans. We also have Federal Loans so we are paying those as well. Over the last year, I have contacted Navient about lowering my monthly bills and they keep refusing to budge. 

We pay {$1300.00} every single month to JUST Navient ( I pay {$810.00} and he pays {$490.00} ). We just had our XXXX XXXX, own our own house, and are trying to pay off our debt but keep overdrafting our bank account due to these high interest loans and high payments. 

I have called periodically to try and lower our payments but they refuse and we are almost out of our allotted deferment time ( one year on each loan ). I put mine on hold for a few months since I was on unpaid XXXX leave and Navient would not consider that Financial Hardship. 

We are both XXXX and our income is only {$4900.00}. Is there any way you could help or send us some advice? {$1300.00} every month to just private loans is too much with a XXXX XXXX, mortgage, cars, and federal loans. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2016 Nationstar sent me a letter in CFPB case number XXXX stating they needed the following documents : new RMA ; two months proof of income ; quarterly profit and loss ; proof of occupancy. I faxed all of these documents to their modification department at XXXX promptly on XXXX XXXX, 2016 and kept the fax receipt. Nationstar responded in CFPB Case number XXXX that they, " ... uploaded these documents to my review file on XXXX XXXX, 2016 ''. 
Since then they have sent me letters stating they need the same XXXX documents on XXXX XXXX, 2016 and on XXXX XXXX, 2016. In between these letters I received a letter on XXXX XXXX, 2016, stating all that was needed for my modification review was a new Dodd- Frank Form and Proof of rental income. This can be verified in CFPB case number XXXX. I have submitted these documents as well. 
All of this pattern of fraud has happened after Nationstar requested the same document ( profit and loss statement ) five times in a XXXX month period between XX/XX/XXXX and XX/XX/XXXX. I submitted profit and loss statements all 5 times which is noted in case number XXXX. 

Furthermore, Nationstar initially denied trying to foreclose on my property while under review for a modification ( dual tracking ) until I submitted proof of the sale dates to the CFPB and only then did they admitted setting sale dates in CFPB case number XXXX. Nationstar 's continued response for years is that they do not have a complete document package to review despite now admitting they have uploaded the documents they request. This is dual tracking or loan modification fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Medical) with United Revenue Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i sent a debt validation to united recovery corp in XXXX, they never responded with verifiable proof and documentation that im suppose to pay, its XXXX now and they still reporting on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (I do not know) with Credit Protection Association, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a new phone and also registered my number w/Do Not Call.gov. I get an inordinate amount of calls from the following phone numbers ( all from the same company ) asking for ( probably ) the former owner of my new phone number. I called this company XXXX times and spoke to different employees, explaining above & asking them not to call again. Apparently their employees are XXXX or incapable of removing my number. I even added my last name to my voicemail message, to no avail. ( They keep asking for a XXXX.I am not wasting any more time calling these XXXX. They most often leave hangups. ONLY other calls are automated. 
If you can help me I would appreciate it. thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 05-06-2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Phone calls from this company more than five times a day, everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax is reporting that an account with XXXX XXXX XXXX is 180 days late from XXXX XXXX to XXXX XXXX. In this time, this account was REPORTED IN BANKRUPTCY so it was protected. I paid on this account as per my plan to make up the late payments. The loan is now paid in full. These payments were removed from my report but reappeared last month when the loan was transferred from XXXX to XXXX XXXX XXXX. I have filed numerous complaints to Equifax for correcting then readding this faulty information. XXXX is being converted to XXXX to cover up their terrible business practices. Equifax has repeatedly said they verified this information was correct with XXXX ... BUT THEY HAVE MY BANKRUPTCY PAPERWORK AND KNOW XXXX COULD NOT BE REPORTING EVEN IF IT WAS CORRECT, WHICH IT IS NOT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Closing/Cancelling account

Complaint: I had an XXXX XXXX Visa Card issued by Bank of America. The annual payment came due in XXXX XXXX and I decided that I no longer wanted the card. I contacted BoA customer service in XXXX XXXX and after their several attempts to retain me they agreed to cancel the account. On XXXX XXXX XXXX I received a bill for the annual card fee. This bill contained a BofA late payment warning fee. I immediately called BofA and determined that, although they cancelled my account, they did not cancel the annual fee and have been reporting my account as past due to the reporting agencies. I spoke with XXXX XXXX at Bof A ( XXXX ) and she assigned case no.XXXX. She assures me that my account will be credited and that the credit reporting agencies will be notified that there was/is no late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/18/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services ().
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XX/XX/2017 XXXX XXXX XXXX Charge {$10.00} I noticed this charge on my credit card statement, has been charged each month for a year. I never approved it, when I called the number listed they were not able to " find any customer info at this time '' and assured me they would get back to be as soon as possible and took my address and phone number. I want my money, I requested a refund of all charges over {$100.00} easy. 
I have documents if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/29/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I can not access my anual report it says I am not me

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: Bank of America representative XXXX called my home 364 days straight in XXXX and also called an hung up when I did not answer XXXX times each of those 364 days but did not leave his name. The calls came in between XXXX est and XXXX est. Sometimes every half hour for several hours. The three years or so before these harassing calls I tried to speak with Bank of America representatives and was cursed at, threatened, degraded, hung up on by them only to be called back every XXXX minutes until I picked up again. I went in person the the local Bank of America Branch to report this and the Branch assistant mgr said she know this is a common complaint and nothing can be done. I was shaking so bad I could barely speak and tell her what they are doing and how much it disrupts daily life to the point I cringe each time the phone rings. To add insult to injury my credit score is damaged and the Bank of America actually states the kind of loan I have - interest only home equity loan - can not possibly be the type I received as it is not allowed by law! I do have XXXX! The interest only home equity loan was given to me XXXX and here it is XXXX and the Bank of America is a nightmare that will not end. I am on the do not call list, have been for years. I am on XXXX since XXXX and all I am seeking is an immediate and final correction and repair of my credit and no longer be afraid to answer my phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2017 about Debt collection (Auto debt) with Foreman Financial Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I originally purchased a car financed by XXXX XXXX XXXX. I had filed a BK XXXX and it was dismissed because I could n't complete payment plan established due to I was injured on the job. I was making on time payment up until the injury at work. After the BK was dismissed XXXX XXXX had the car towed by a tow company with a suspended license then repossessed the car. I was never informed about what happened to the car. I received notification that the debt was XXXX. I filed another complaint indicating that XXXX XXXX was still reporting the debt as missed payments when it was charged off. After reporting this to you FTC, they contacted me to explain why the amount went from {$7000.00} when it was in bk then it went to {$9000.00}. They reported it as {$12000.00} just recently and now have taken the account out of charged off status then added additional fees totaling $ XXXX. I asked XXXX how did it go from {$7000.00} to {$12000.00} and they tacked on additional fees and interest. After taking it out of charged off status they have sent to a collection agency only after my complaint and tacked on more money claiming additional interest. I purchased the car for {$9900.00} I put down {$2500.00} and made payments up until my injury. They added on additional which they stated for finance fees, I never signed a document for {$15000.00} because I never qualified for that amount. They stated that I qualified for the car at {$9900.00} but they added additional finance fees. They are becoming threatening. They denied reporting the account for missed payments but I still receive alerts for missed payments and have been for several months now. They are aware of my situation, they sold the car, I agreed to the repossession and the charge off per my attorney through BK. I feel that they are retaliating against me because I reported to you about their fraudulent reporting of missed payments for this account. I do not owe {$17000.00} for a {$9000.00} car that I no longer have. They never contacted me about payment arrangements after bk, they just picked up the car. I 'm a single mother paying high end rent and its not cheap. They are threatening my income. This debt statue of limitations runs out next year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (Federal student loan) with Allied Interstate LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am a co-signer on my daughters student loan. She has defaulted I am on a fixed income and can only pay {$50.00} a month. They keep calling and telling me they need more money. What can I do to stop these calls

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 05-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have asked Ocwen for loan payoff release documents i.e. XXXX and they say that because there was no XXXX continuation they did n't have to file a XXXX. 
However, how does my loan receives a lien clearance without this document?

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Billing statement

Complaint: I have a Kohl 's department store credit card. Heretofore, I received printed statements by mail. I received a " friendly reminder '' email from Kohl 's stating that my account was overdue. Upon calling Kohl 's customer service I was told that my account was designated as " paper free, '' that I had been sent XXXX electronic statements and my account was 40+ days overdue -- I had not received any Kohl 's statements by any means, printed via U.S. mail NOR electronic resulting in Kohl 's charging a {$25.00} late fee plus {$5.00} interest. I performed an email search and found no Kohl 's email re. an electronic statement. -- My first phone call to Kohl 's customer service was less than helpful where the rep. insinuated that I was lying on all counts. My 2nd phone call to Kohl 's customer service resulted in a reversal / removal / credit back of the {$25.00} late fee. Negligence by Kohl 's to issue electronic statements to consumers result in consumers ' failing to make timely payments, resulting in a company 's realizing unjust interest and late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a notice from AmSher to collect {$450.00} on behalf of XXXX. They wrote they would settle the debt for {$270.00}. I called to explain the situation and inquire how the settlement amount had come about. the issue was escalated to the supervisor who in turn was unable to explain how they came up with {$270.00}. I explained that XXXX XXXX XXXX had reimbursed me only {$190.00} for the phone that XXXX wanted to charge me {$450.00} for and I was gladly refunding that money to XXXX or Amsher on their behalf. The supervisor ( XXXX ) was extremely adamant and recalcitrant that he was right and was n't listening to my argument. I even offered to show proof and evidence. I also mentioned the reason I was unable to collect the rest of the money from XXXX XXXX XXXX was because XXXX had not given me the rest of the documentation I needed on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (NJ).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I had lost my job in XXXX XXXX. I was on unemployment until my claim ended in XXXX XXXX. I was behind 2 car payments due to lack of income. I borrowed money from a relative to make a payment in XXXX XXXX and XXXX. I started working as a XXXX XXXX the end of XXXX. I explained to Ally I only work 30 hours per week and make less money than my previous job. I tried to explain to them that I do n't get for holidays or missing work. I was scheduled for a XXXX XXXX in XXXX causing me to miss a day. The beginning of XXXX I offered to pay $ 100+ a week until I was caught up. I would receive additional hours in XXXX, allowing me to pay more. One representative I spoke to told me that was ok. Then a few days later I received a call from collections representative named XXXX. She was insisting I pay 2 payments this month or my account will go into further collections. I advised her to see all of my previous notes stating my reason for delinquency and I was not able to borrow money from any more friends or family. She found my plan of sending $ 100+ a  week unacceptable. I advised it was temporary until we started getting more hours the next month. I spoke to XXXX again just last week and she wanted me to have a payment in by XXXX and another in 2 weeks. I told her I can try, but I ca n't guarantee it because I do n't always get paid on the same day ever week. I also received a nasty letter saying if I am late again, they 'll exercise their rights without informing me. 

I feel Ally is being borderline harrassing with their calls to me and my father who 's listed on the loan for credit purposes. I believe I am trying to make a fair attempt in paying my car loan. Ally seems to think they are the only bill I have to pay. I have fallen behind in all of my accounts in order to keep my vehicle. I would like them to have a bit more compassion with my issue. I understand I need to pay my loan and I am trying to do so to the best of my ability. Please assist me further with this matter. Thank you for you time and consideration.

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 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery Associates is reporting an inaccurate debt that was in face paid in full to the credit bureaus under my name. This company has harassed me in an attempt to collect a non legitimate debt, and then continued to call me after the debt has been paid in full. Portfolio Recovery Associates is reporting a closed account to all XXXX credit bureaus and has shown to use non legitimate information to verify the debt. I have disputed the account to no avail, and the company refuses to delete it from their record. Even though the account was paid in late XX/XX/XXXX, Portfolio Recovery associates has continued to report this account, the latest time being XX/XX/XXXX. This is an unfair representation of my financial history and should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have had a issue with my account from XXXX XXXX XXXX being removed from my credit file since XX/XX/XXXX. Recently on XX/XX/XXXX XXXX XXXX XXXX submitted a XXXX performance through the XXXX department at Transunion to rectify the situation. I checked my credit report and also spoke with customer service rep and supervisor who were clueless about this information and stated they could not give me any further any further information. I simply would like my account to reflect on my credit report because this is drastically affecting my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2016 about Debt collection (Medical) with Healthcare Financial Services, LLC (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: First, I am a veteran, so there was never a bill for me to pay. The company Healthcare Financial Services ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on no ones authorization put me in collections and on my credit report for bills that I never had. I was about to pay them ion order to get them removed from my credit report, but instead went to the ( XXXX ) and sat down with the director of business office and came to find out that She never even sent them any information or a bill concerning me because there was no bill to send. They also fabricated XXXX other bills that the ( XXXX ) can verify in the total amount of around XXXX dollars. THe hospital ( XXXX XXXX, XXXX ) called them and straightened the matter out, but they ( Health Financial Serv. employee contacts were very rude and laughing about the matter. If i had paid the amounts that were asked for where would the money have gone for a bill that did not exist? They are running a SCAM and need to be totally shut down and I am filing a suit because of the damage that has incurred on my credit report.

Company response to consumer: Closed with explanation