milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2017 about Student loan (Non-federal student loan) with The Regional Adjustment Bureau, Incorporated (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: This is a continuation of complaints filed regarding the collection of my alleged student loan from multiple debt collection agencies. It appears that, once a CFPB complaint is filed against XXXX collection agency, XXXX XXXX simply assigns the debt to another collection agency. Prior case nos. include XXXX ; XXXX ; and XXXX. 
I have determined that, in the newest set of phone calls, I am being contacted by Regional Adjustment Bureau ( RAB ) who has made call to various third parties asking for my personal information including my maiden names, marital status, work address, personal address, and have revealed that they are attempting to collect a debt and are trying to communicate " an offer '' to me. Interestingly, they have MY phone number and email address where I have requested that all communication be in writing. 
Specifically, they have called and requested information from the RECEPTIONIST at my office and have not called ME and left a message at all. The attempt to speak to co-workers and reach me at work is an attempt to embarrass and harass me as they have no actual intent of extending any " offer '' to settle our dispute given my prior demands. 
Recently, through 3rd parties, I had been given a name and number ( XXXX XXXX - XXXX ) who was attempting to communicate " an offer '' to me. When I called this generic number, " XXXX XXXX '' was conveniently on vacation but another fast-speaking debt collector demanded identification information. Since random collectors have no historic information about my challenges to the amounts owed, I told them that I would call XXXX XXXX back. Having done so on multiple occasions, I doubt that XXXX XXXX exists. 
I would reference and incorporate the prior complaints made to establish the long standing dilatory tactics used to collect this debt rather than providing me with the documentation I had previously requested, including ( but not limited to ) the details of an {$11000.00} payment received on the debt that was not credited to my account, and the explanation of late charges on my account AFTER payments were received which continued to accrue interest, etc etc. 
I have communicated my own offer to compromise with XXXX XXXX and its debt collection agency XXXX, without any communications in response. 
The contact with 3rd parties who are requesting my personal information must stop. The contact disclosing their attempt to " make me an offer to resolve a debt '' must stop and is in violation of the FDCPA and TCPA

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 11/15/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CO).
Issue: Application, originator, mortgage broker

Complaint: My wife and I spoke to XXXX XXXX at Ditech, our current mortgage holder, about refinancing. We were hoping to lock in while rates were extremely low. I spoke to XXXX XXXX via email with several questions and was told to call him that evening, XX/XX/XXXX. I left a message and he did not reply. I left another message the next week. He never returned my calls. My wife left him an email the following week and again did not hear back. In the mean time, the rates have gone up a quarter of a point and it has cost me {$12000.00} on my amortized loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: After a home refinance, my loan was repackaged and sold to a new servicing company, Nationstar. I setup my first loan payments on a timely basis as well as an additional amount that I designated to be applied to principal on a monthly ongoing basis. Nationstar started withdrawing only the loan payment and upon calling them back they were able to get the additional principal payment setup. However, the setup was apparently created incorrectly. Although payments approximately XXXX the actual amount due were being withdrawn from my checking account on a monthly basis, they were initially incorrectly applied and then some 5 months later my wife noted that we were getting notices for late payment of the mortgage. I called Nationstar and they assured me they would rectify the problem and it would not be reported and would not affect my credit, this was in XXXX of 2015. Again in XXXX I received a notice from a credit reporting agency that my credit score was being lowered due to unpaid mortgage payments. I again called Nationstar and was again told it would be fixed. I did not follow up assuming after twice being assured it would be done, after already being assured my credit would never be touched. This past week on XXXX XXXX I was applying for a refinance of a business loan and when queried about my mortgage by the banker I went online to check my rate with Nationstar. Since my inception they added an online history of payments section and free FICO reporting. I checked my FICO and was dismayed to find that my score which is normally around XXXX or higher was now XXXX. I again called and now got very upset at the continuous lack of attention to my account and the confabulations and empty promises made my customer service agents who really did not care about my credit. I queried about my prior calls and the logs were very thinly documented with no discussions of any of the issues that they created for me. Keep in mind I have paid almost twice what was due during the past 14 months yet my credit score took a hit due to incorrect reporting of 5 months of missed mortgage payments. I am now being told by Nationstar it could take up to 180 days for the agencies to fix my score. If my interest rate on a $ XXXX refinance of a business loan is negatively impacted by this, I will have been financially damaged by Nationstar. I called my lender to find out who regulates the Mortgage Servicing Industry and found that you are the agency that does this. Please help or advise me if I have a legal case against this incompetent and uncaring organization.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FM).
Issue: Using a debit or ATM card

Complaint: I used a Bank of America ATM on XXXX XXXX to make a deposit and a week later my debit card was used at a XXXX ATM approximately XXXX miles from my home. I notified Bank of America immediately that my card was in my possession as well as notifying them that I did not make the transaction. Throughout the process of the fraud claim I had representatives review my account history, notifying them that this debit card is only used possibly 1-2 times a month. My initial 2 attempts were denied for the fraud case. I 've worked in the banking/finance industry for over 7 years and am aware that ATM machines have been targeted for phishing or skimming attacks. The bank is claiming to do research and is holding me accountable for a balance inquiry fee, 2 ATM withdrawals and ATM fees that total to {$400.00}. Per my account history I only pay bills from the stated account and would not check my balance at a non bank ATM plus do multiple withdrawals that would cost me additional money. I initially sent my request to the XXXX and was referred to submit the inquiry here. I 've been scammed by someone or possibly the bank and as a consumer this seems to be advantageous for a bank and a nightmare for a customer.

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: In XX/XX/XXXX I signed up with a credit monitoring system called XXXX XXXX XXXX. I was able to generate my credit score that month, but the following month XX/XX/XXXX my credit score said unavailable. My card was still being charged so I know it was n't anything on my end. I then called XXXX XXXX XXXX and voiced my concern about the matter. One representative was not sure why that was happening, so she put me on the line with someone higher in rank. That representative told me that my score was going to be back up XX/XX/XXXX. XX/XX/XXXX came and I still did not have a credit score. I then called the three Credit bureaus, XXXX, Equifax, and XXXX to make them aware as well of the issue. They also could not give me a reason why my credit score was and is not available. It is now XX/XX/XXXX, and I currently still do not have a credit score on the Credit Monitoring system, XXXX XXXX XXXX. XXXX  XXXX XXXX, is certain that my score is not available because one the three credit monitoring systems are not generating a score for me. No one that I have spoken with, with either credit monitoring system have given me a reason why i am unable to see my score.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Credit determination

Complaint: This is a very very serious situation with USAA SAVINGS BANK and their credit card department and insurance department and bank department. Due to their horrible credit card department and every department USAA illegally put our credit card in collections. This situation can be proved in court of law and we will not rest until USAA takes care of this. This is the most unprofessional, thieving company that disrespects it clientele and does n't care if people are dieing, homeless, careers ruined or what not from their illegal and highly irrational behavior. In 2012 myself and my co-signer illustrated we were idenity theft through our banking account and lost over {$35000.00}. A person was arrested and we filled out police report. Usaa then shut our accounts down banking and held on to our money for over a month without reason why. This caused a huge rift in our fiances, then we noticed our USAA CREDIT CARD had tons of suspicious activity similiar to banking accounts, well USAA instead of helping us when we asked, they decided to just put our credit card in collections illegally when we were paying more than balance owed on it and I never had missed a payment in over XXXX years. Usaa exhibits this illegal and highly ruthless behavior and when asked to fix it they give the public a blanket statement WE LOOKED INTO AND FOUND NOTHING WRONG. That is it, well there is something wrong. We had FEDERAL TRADE COMMISSION, ATTORNEY GENERAL OFFICE and many other government agencies federal and state. USAA needs to not only be highly investigated and class action lawsuits started but every customer needs be aware. I been with them for 20 years and I lost my whole life and my partner is XXXX cause of their illegal behavior and this needs to be taking all way to to congress if not fixed. I will keep this on this site and go to every agency if not fixed properly. And I understand you have to give them 45 days, I will personally feel I need see a fix in 15 days. I never seen a company behave so illegally and get away with so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Billing disputes

Complaint: Fraudulent charge was made to my account. Case # XXXX. Despite the {$0.00} liability claim, Discover denied my claim and held me fully liable for the full amount of the charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: Amazon.com was offering a promotion for a free XXXX dollar gift card when signing up. I signed up for the card not planning to ever use the card and was greeted by a nasty credit score defect which was corrected by me and charges were successfully disputed. After this was completed the customer service rep said I would be all set and the account would be closed. Assuming this was the end of my relationship with this company and not having received any billing statements ( which is acknowledged at Chase as it is not my legal address or an address I recieved mail. This was corrected in their system on XXXX/XXXX/16 to my legal address at the time and during the dispute which I offered to send proof of residence. Chase is saying there are charges that are not paid on the account which Im willing to pay for however being unaware of these charges even exisiting and thinking this has been dealt with by Chase like was said on the phone I did not know there was a balance. I make more than enough money to pay the charges at the time and now however this is negatively effecting my credit score because they wont acknowledge this is their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Doing my annual check of my credit. Went to FTC and then XXXX Credit report. Successfully downloaded from XXXX bureaus : XXXX and XXXX. Having a lot of problem getting a report from Experian. I tried several times online. Got their XXXX # and called them several times and went thru all the choices. The only way is to pay. I called back XXXX to see if they had another number for Experian ( they were kind enough to give me a different number ). I called this other number and same as the first XXXX I called. Not able to order the free credit report. Only way is to pay. Not able to order the report via phone. Not able to talk to anyone. I called CFPB and they gave me a XXXX to order free credit report via phone. I did order for Experian, I am not sure if I am going to get it ( takes 15 days ). The reason I am writing this is, the lousy service and may be not being able to access of my credit report from Experian like the other XXXX bureaus gave me. Experian should look into the system to provide the report easily like the other XXXX bureaus. Experian is the only bureau that does not provide a human being for the phone service. Horrible service!

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 08/21/2017 about Debt collection (I do not know) with COMMUNITY CHOICE FINANCIAL, INC. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Hi. I had recently received a call from a collector ( Insight Captial ) stating that I have a summons and that they have been trying to reach me but I did not receive anything. They started that if I did not contact them immediately they will send it to my employer. They said that they were trying to collect a debt of over {$700.00} that I owed their client for return payments. They had all my information like SSI, drivers  license number and home address. I told them I do n't know what they are talking about and owe nothing. They continue to push so I decided to end the call. I 'm not sure what they were looking for but the bank they had on file for me was an old bank ( XXXX XXXX XXXX ) I used almost 7 or 8 years ago. I asked them for whatever they have like contract but they would not send it to me. They wanted me to set up a payment plan with them with me going over the information. Thank you in advance, 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 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit score is all over the place, XXXX here, XXXX over there.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: credit collection services XXXX XXXX XXXX XXXX ma XXXX is collecting for XXXX. file # XXXX XXXX acct XXXX for {$460.00}. I wrote to XXXX and CCS about the amount which is wrong. I had secured other auto insurance. XXXX is trying to say this is owed for 20 days?! not true when my monthly payment was {$160.00} for 30 days! I am asking for you to step in and investigate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Medical debt) with Radius Global Solutions LLC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My health insurance was billed for XXXX XXXX  in XX/XX/2016. The insurance company did not pay for the XXXX XXXX although they should have covered the costs. The lab billed me directly for the work ( {$72.00} ) but did not send me any notice.

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 10-01-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I made XXXX payments in XXXX of this year however I miscalculated because the taxes had increased. Instead of applying the additional funds to my account Nationstar held the funds for 90 days. I was unaware but received foreclosure notices in the mail in XXXX. I contacted Nationstar in XXXX and was under the impression everything would be resolved paid the difference that night plus charged an additional fee because of a handling charge when doing it over the phone. To my surprise this did n't get taken care of so I had to call again in XXXX. In the meantime Nationstar had been reporting me late to the bureaus a rolling late since XXXX. I 'm devastated over the issue and the mental anguish\concern has been difficult for us as a family. I received an email regarding late fee charges instead of addressing my issue. I was suppose to receive a letter from Nationstar where they were going to fix the reporting error with the bureau 's however that has n't happened yet. Nationstar had someone come out to my house and knock on the door, left a notice on the door knob as well but it was in another language so we were n't even sure who left it. I threw it away but now I 'm extremely embarrassed now that I know why the person was sent. Not to mention I do not understand the lack of common sense used by this company. Nationstar was aware they were holding a whole loan payment shy of XXXX but did n't apply the funds and sent a foreclosure notice instead.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing on a mortgage

Complaint: XXXX  -  Contacted  Bank  Of America to  inform them that i was selling my condo and to not pay my flood insurance early, policy effective is   XXXX   through  X/30 . When closing date was set, I contacted BOA on   XXXX     to confirm that they would not be paying for a policy that was not due for over a month. They told me they had already mailed the check and that i would have to get the refund on my own. They have constantly been making mistakes while I held a mortgage with them that has cost me hundreds of hours of my time. 4 weeks later I am still trying to get my refund for a policy that would n't even be in effect for another week. In addition, as soon as my mortgage was closed -  XXXX , all of my mortgage documentation was removed from the website. This included year end tax statements that are required to file taxes. How are they allowed to remove the tax documents over a week before taxes are due?     Also, in the closing process they repeatedly sent an expedited payoff amount to my buyer 's closing agent. I contacted them in  XXXX  that I do not authorize any expedited payoff amounts until closing. Any payoff amount should be in the form of the free, non-expedited version At that time, they removed a {$30.00} charge. I did not authorize them to send 3 expedited payoffs, only a final one is required. At closing, I had an amount of {$150.00} to pay instead of {$60.00}  ( {$ 30.00} for the mortgage and {$30.00} for the secon d )  This cost me {$90.00} additional out my pocket at closing. The closing agent confirmed that they did not request additional ones, that BoA just sent it to them.     As a result of their practices and poor customer service, I did not even contact them for the mortgage of my new home that I bought. If they could 've offered me a better interest rate and/or lower closing costs, there is no way I would ever utilize BoA again.

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 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a letter more than 5 days after the initial communication ( a violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the letter did not state that I may request that the debt be validated or verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarMax, Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX, I wrote an inquiry dispute letter to XXXX XXXX XXXX regarding an unauthorized inquiry on my credit report. CarMax responded on XX/XX/XXXX advising a photo identification was requested on order to autheticate the applicants identity before the inquiry was made. Hence, I never provided any such info to CarMax nor has CarMax supplied me with a copy of my own PHOTO identification stating I made the inquiry. The inquiry was made without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended XXXX College in XXXX, Florida for a data entry class costing approximately $ XXXX in XXXX or XXXX. I have paid on my student loan and deferred payments over the years. Now, it 's up to almost $ XXXX in debt with collection calls coming in 7 - 10 times a day asking for monthly payments of {$1300.00}. Looking back I had no idea what I was doing, I was XXXX years old with no guidance through the school that explained the loan.

Company response to consumer: Closed with explanation