milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I applied for a Home Loan modification with Bank of America. I completed the trial period and was approved for a permanent modification in XX/XX/XXXX. When I called Bank of Americain XXXX XXXX to make my monthly payment the CSR told me that they would not accept my payment because my house was in foreclosure. I tried for several months calling every week to make a payment or to find out what was going on and no one could give me a straight answer. XXXX person said there was a " glitch '' in the system and that it would be fixed and I could mail in my payment which I did in XXXX XXXX. I thought the problem had been solved until the day I was supposed to make my next monthly payment, I received back in the mail the payment I had made in XXXX XXXX. Still after that I called every month to find out what was going on and no one at Bank of America could tell me. A year later in XXXX XXXX I hired a lawyer from an online website XXXX out of New York. Needless to say the charged me XXXX dollars a month for 8 months ( XXXX XXXX dollars ) and they did nothing! Took my money and never appeared in court on my behalf. I just found out this Law Firm scammed hundreds of consumers and is now filing bankrupt. To make a long story short Finally this year Bank of America was I guess trying to get their act together but too Late for me they said because im too far behind for them to help me and by the way, what happend to my modification was called " DELAYED CONVERSION '' ... ... .Bank of America recently sold my mortgage to XXXX XXXX XXXX. Im trying to go thru the modification process with them but its not looking good for me. There is a strict foreclosure judgement for XXXX XXXX, XXXX. 
Because of Bank of Americas negligence I am going to lose my home..Not Fair! Please please if there is anything anyone can do for please let me know.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Payment was submitted to Navient and I received confirmation number. Payment was never taken out of the bank account. Navient have said the payment could not be processed, and it was rejected. No reason was given for why the payment was rejected ( insufficient funds, wrong account number, expired card, etc ). No communication was given about the payment not being able to go through. I was not informed until the next time payment was called in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Co-Operative Adjustment Bureau, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I paid the XXXX {$920.00} instead of {$920.00} and they attempted to evict for {$2.00}. The judge dismissed the eviction case and closed it. After I moved out of the property, the apartments filed a small claims judgment against me for the rent money that accrued DURING the eviction case. It is illegal to collect rent during an eviction case. I was never served with court documents. There is court record that XXXX - XXXX XXXX was served, but I am XXXX tall - XXXX and was not given a chance to appear in court. Because I did not appear, the case defaulted and the property has place a {$12000.00} debt on my credit report that I am not responsible for and that has caused me and my XXXX small children homelessness for the past 5 years. I was granted a XXXX to Vacate XXXX but by the time I found out about it being on my credit report, the judge said the case was too old. I also filed a complaint with the XXXX XXXX XXXX XXXX and I spoke with XXXX Consumer Affairs this afternoon and he advised me to take these following steps. Please help us. This is not fair. I am a working, single mother and this is and has been the ONLY obstacle in my way for providing a good home to my children.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2017 about Debt collection (Auto) with Automotive Credit Corporation (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Ca n't remember but said it 's been owed since 1999 to Automotive Credit Corporation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I had a debt in delinquency, which is on my credit report. That debt was sold to a collection agency, which is also on my credit report, so the delinquency is on my credit XXXX. I filed an online dispute with each credit bureau but the company - XXXX - responded that it is valid. My understanding is that the same item can not be listed on a credit report more than once. Thanks!

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 06-09-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Today at XXXX my husband, XXXX XXXX, received a call form Portfolio Recovery Associates from XXXX, regarding a debt for XXXX XXXX, from XX/XX/XXXX, of which my husband is not associated with, he is not a co-signer nor a joint holder on this account. This account was opened before we met and was defaulted on before we met. My husband and I married in XX/XX/XXXX and he was should told this is a debt for XXXX XXXX for {$1100.00} and that he was listed as the contact for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After reviewing my XXXX credit report I noticed an Inquiry on my report from One Main Financial that was reported on XXXX XXXX, 2017. I personally did not authorize to have One Main Financial review my credit report. I sent them several letters including an Affidavit affirming the veracity of my statement that I DID NOT agree to the inquiry. As well as 3 other letters asking them to remove it. They sent back XXXX generic letters claiming that I inquired for a loan online. I disputed that I did so and they sent me an application that was filed in my name WITHOUT MY SIGNATURE. I am stating that I am a victim of identity theft and they are not even acknowledging my correspondence. I sent them a letter stating that I will be complaining and considering suing them and they still sent me another generic letter about me applying online. I am EXTREMELY UPSET that they are not investigating this matter or removing this inquiry! They are just ignoring my correspondence including an Affadavit signed by a Notary!

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been pating {$15.00} a month that automatically comes out of my account every month for over a year. My payments are low due to my income. XXXX 2017 they raised my payment to {$51.00} without any notice or warning they took it out of my bank account when I called them they told me that recalculated my payments so my loan would be payed off in 14 months which is my time limit. I was never told I had a time limit. They said I could n't do time forbearance because I did n't have any left. They said I couldnthink lower my payment back down cause I only have {$780.00} left to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I opened my credit card account in XX/XX/XXXX with XXXX XXXX  XXXX aka XXXX XXXX XXXX, XXXX. The current promotion at that time was sign up for a credit and receive XXXX XXXX miles to use at a later date. When I received my welcoming information regarding this credit card additional details stated that there was an annual {$69.00} fee as well as an introductory APR of 0 % for one year. I was not interested in the annual fee and called customer service on XX/XX/XXXX with Rep XXXX ID XXXX to see what options I had. Per the representative XXXX, I could downgrade to a no annual fee card and still receive the promotional offers from the card I applied for. The only change was that I will not accrue miles at the same rate. I arrived home today to find a statement. Because I bank online I rarely ever open my statements. This time I was curious and opened the statement. I first realized that I was being charged APR which is not what I signed up for. So I called customer service and spoke with Rep XXXX who explained to me that the 0 % APR introductory offer was only for balances transferred to this account for 15 months. I was beyond appalled with this new information that I further asked about the XXXX miles with XXXX XXXX. I was now updated again, against what I signed up for, that my miles were taken from me when the account was changed to a non-annual fee card. I have filed a complaint with customer service under Case XXXX with manager XXXX Rep ID XXXX. I will continue to follow the updates of this case. I will be paying this card off and no longer using it because of misrepresentation of the promotional offers. Please look further into this concern.

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 01-07-2017 about Debt collection (I do not know) with ConServe (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from CONSERVE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against CONSERVE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Medical) with Franklin Collection Service, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did not receive this service that I am being charged for. I attempted to contact this business to dispute this, but they had gone out of business. I was referred to this agency for XXXX, but they closed business before providing me with the service required. They were not very business minded. This is probably why they went out of business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: XXXX  sent me a copy of my credit report file  XXXX  on  XXXX / XXXX / XXXX . Someone applied to  SYNCBBP  DC on  XXXX / XXXX / XXXX  for credit in my name. I initially had a fraud alert on my credit file, then removed it in order to rebuild my credit and establish new accounts. These inquiries that are not authorized are hurting my score and a false representation of facts being reported in my file.    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX    XXXX    Attn : C omplaint Department   XXXX   XXXX    XXXX   XXXX , PA  XXXX  I am writing to dispute the following information in my file. I recently received a copy of my  XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I have been reviewing & disputing inaccuracies a fraud alert has been placed on my credit file, although the damage has already been done. The inquiries are not authorized and I sent supporting documents fro m 2 accou nts as of date stating I was a victim of fraud. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is  for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible   XXXX   (  XXXX / XXXX / XXXX  ) admitted fraud apllication company removed SYNCB/BPDC (  XXXX / XXXX / XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have an account with XXXX Bank, A Secured credit card, I paid the balance, and I have resolved the account and they still would not remove the tradeline. I called sent emails and contacted the company and I 'm not getting any positive responses, after they said they would remove after payment. I have attached a letter from the collection company stating its paid and i have no debt with them so they should remove the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is allowing XXXX and XXXX XXXX systems to report the same account twice on my report. Both are for the same dollar amount and are the exact same debt from Hamptons at XXXX XXXX. I told Equifax which has already admitted the error, and they have done nothing to get this fixed. I 've disputed these accounts 6 times over the past year and was finally told that the account numbers are different which prevents them ( Equifax ) from removing the inaccurate info on my report. I was then instructed by the associate on the phone to contact CFPB to report this ILLEGAL credit reporting. I am contacting an attorney in regards to this matter because it has caused a huge issue in my personal life. Please feel free to contact me regarding this matter. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Signed up the XXXX XXXX Credit Card issued by Synchrony Bank. The signup offer listed XXXX points after {$3000.00} spent in the first 90 days. I have since completed the required spend on the card but have only received XXXX points instead of the XXXX listed.

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 05-05-2017 about Debt collection (Other debt) with ERC (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Re : Acct #  XXXX  To Whom  It May Conc ern : This letter is regarding account #  XXXX  which you claim my account was charged off {$500.00} This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have  ( or ever had ) so me contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including   XXXX   XXXX   XXXX   XXXX    ) fr om your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio  n 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et   seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your response,  I may  be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.    Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collectio n :  Other ( i.e.  phone, health club, etc. ) - [ ] Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount  DESIRED RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NCB MANAGEMENT SERVICES INC (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I initiated a dispute with XXXX via BBB onXX/XX/XXXX and they told me that they are n't required to retain records to validate accounts they just call and confirm name, address, and SSN with the collection agencies. I informed them that if they do not have proper documentation to validate the account it needs to be deleted or if they do it needs to be sent to me. As ofXX/XX/XXXX I have yet to receive the requested info. I also initiated a dispute via their website HOWEVER as of XX/XX/XXXXthe account remains on my account which is clear that an improper investigation was completed. I disputed directly with the company as well on XX/XX/XXXX and as ofXX/XX/XXXX the company has YET to send me the requested proof of validation HOWEVER I 'm confused as to how XXXX " validated '' the account if me, the consumer, has yet to receive any documentation from the company nor XXXX. And it is obviously wayyyy beyond 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have been contacted recently by a debt collector who has threatened to garnish my wages if I do not pay a debt. 

The account was closed in XX/XX/XXXX, and the statute of limitations on collection would have run out in XX/XX/XXXX. I was told " If I do n't start paying immediately, we will garnish your wages. '' This debt is past its statute of limitations, and I 'm being called at work and threatened for a 6 year old debt. 

The amount of the debt has also almost doubled from the amount of when the account was closed, from {$3700.00} to now a reported {$5300.00}. 

I ca n't afford to shrug off over {$5000.00} and they are not allowed to garnish my wages for this old of a debt, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I've contacted XXXX in regards to three hard inquires that were pulled by a company called XXXX XXXX the company did their investigation and found out that it was not accurate information it was not factual information nor did the company have my permission nor did they have my consent to pull my credit. I am a credit fraud victim I have a security alert and freeze on all 3 bureaus. A few months ago I asked XXXX to remove the three inquires on my account they did their investigation and in XXXX they found out that they were supposed to be removed. The company never notified Equifax XXXX  and XXXX. I have since then contacted them with updates in regards to why they have not removed this on all three credit bureaus this is not a factual report this will not stay on my credit for 2 years, this has damaged my credit by 15 points 5 / points per pull I am now legally requesting  that XXXX has the hard and choirs all three removed within 30 days or I will seek legal action in a court of law, XXXX has a very poor customer service and extremely rude customer service they refused to help me and they have refused to remove all three credit inquires from my account they claimed that they are reopening another investigation on to see why they were not removed since then I have contacted all three credit bureaus and every single one said they were not contacted with an electronic message for deletion XXXX also refuses to show me a copy of proof of deletion they failed to give me any type of proof that it was removed that they are removing it and it has been requested to be removed I've asked 3 times for copies for proof of deletion so this way I can send the credit bureau a actual copy however the company refuses to give me this information as of today they have 30 days to remove all three Harden choirs that were already investigated and I was found innocent and they were wrongful credit inquiry pulls should all three inquires not be removed within 30 days I XXXX and will seek Financial reimbursement and legal repercussions for failing and refusing to delete all three records that are not factual I will wait 30 days as of today

Company response to consumer: Closed with explanation