milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: On my car loan its says XXXX finance fee ... but I am being billed at {$15.00} a day. Does the finance rate and the cost per date ... add up ... I have paid {$4500.00}. In XXXX months and only about {$1300.00}. Has been applied to the principle ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Struggling to pay mortgage

Complaint: Bank of America used an appraiser in NC that grossly inflated raw land appraisals in early XX/XX/XXXX. Her name is XXXX XXXX XXXX, and she was forced to surrender her license 2 years later to avoid justice. My lot XXXX XXXX was appraised at {$340000.00}, with 3 other lots nearby appraised at {$340000.00} to {$370000.00}. My purchase price was very enticing at {$120000.00}. Today, it is worth XXXX because a house ca n't be built in it due to a infraction on the front which reduced the size from 80 ' to 26 ', verified by XXXX XXXX. tax assessor XXXX XXXX, which then lowered my tax assessed value by 50 %. BOA used this tactic to garner my mortgage of 7.5 % interest only first 5 years, then payments currently at $ XXXX/month, {$320.00} interest /month. XXXX XXXX XXXX was fined by the NC AG for XXXX XXXX dollars in XX/XX/XXXX for deceptive marketing. BOA so far has escaped but certainly were involved by grossly deceptive Land Appraisal Reports. BOA has been contacted numerous times but refuses to acknowledge. I need help from the US Govt/FTC.

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 11/18/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I was several years ahead on my mortgage when I ran into problems XX/XX/XXXX. PHH said they would work with me and said if I made three payments of {$490.00} they would refinance with me at the end of the trial period. At the end of the trial period I signed the documents and sent them back. They refused to accept the agreement. This year I have been making payments still at {$490.00} per month and PHH refuses to talk to me, is slow crediting checks, hanging on to them up to 3 weeks before depositing, and refuses to give me a payoff amount, constantly sending me foreclosure notices despite the fact that I am still approximately 3 years ahead of my maturation date.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Bankruptcy

Complaint: Please remove this from my credit report. This was discharged in BK in 2012. However, HSBC continues to report that I have late payments when that ; s not that case.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A debt I paid the people are tying to collect they refuse to stop calling me at home and at work and they are going to sue me. I told them to please stop calling me that I ma not paying them and I dispute the debt and XXXX ( collection person ) said we will do whatever means necessary and until we sue you we will not stop. This is their number they called from ( XXXX ) XXXX

Company response to consumer: Closed
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MRS BPO, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have student loans through   XXXX   XXXX  . I pay a company called MRS BPO for these loans. They are paid on time each month for the last 4 years. Approximately 3-4 times per year, MRS-BPO does not provide my up to date payment information to   XXXX   XXXX  . Which then causes them to report a payment as late to the credit reporting agencies. This has now happened again for the month of  XXXX . My payment was made via automatic draft on 4/15 as it is every month. I was just notified of a negative report on my credit monitoring service stating that   XXXX   XXXX   is reporting the account as 60 days late yet again. I am in the process of repairing my credit report in order to buy a house. Their reporting of my account could greatly hinder my ability to get a mortgage in a timely fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Auto) with Byrider Franchising, LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I financed a vehicle from JD Byrider XX/XX/XXXX, when I purchased this vehicle I also had my payments automatically deducted from my bank account. I still to this date XX/XX/XXXX, have this set ujp on my account. XX/XX/XXXX there was a new employee at my finance company assigned to my account, who began to call me regarding my payment, I explained to her that she did not have to call me regarding my payment, my payments are automatically taken out of my account. She continued to call me regarding my payment anyway, as well as asking me if the funds are there, I then would hang up on her. I would later receive a call from my sister telling me that this same woman called her stating she was trying to get a hold of me regarding my auto payment, and when I arrived to work my supervisor informs me that this same individual called my employer regarding my auto payment and insurance on my veihcle. My supervisor explained to her as well as I have that I am not to receive these calls on the job and the woman explained that she was fully aware of that. I then contacted XXXX manaers regarding this issue, and the phone calls stopped for a few months. She then began to call regarding my insurance on the vehicle I explained I have an XXXX insurance you do n't have to verify that with me you can verify that through the state if you want to know if I have insurance. Here we are XX/XX/XXXX and she is calling me regarding my auto payment again. Nothing on my account has changed, my payments have been taken out of my account for a few months with no problem and she is harassing me about my payment again. When I spoke to the XXXX managers they both confirmed that it shows on my account which debit card to deduct my payments from and both confirmed they did not know why this individual is calling me regarding my payment. She wo n't stop harassing me and I need assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Complaint # 1 : In earlyXX/XX/XXXX, I requested an update to my monthly payments with Fedloan Servicing ( or Pennsylvania Higher Education Assistance Agency ). It took Fedloan 3 months to switch me to a new payment plan. In those 3 months, I was in forbearance, which meant I lost out on months worth of payments towards my Public Service Forgiveness Loan program. Please note, I contacted Fedloan before XX/XX/XXXX about updating my repayment plan. 
Takeaway : Fedloan Servicing purposely took their time to switch me over so that I would be in forbearance longer. 

Complaint # 2 : Following the update to my monthly payments, a " late/missing '' payment started appearing on my account homepage and I started receiving letters about it from Fedloan. When I contacted Fedloan ( because I 've been enrolled in direct deposit sinceXX/XX/XXXX, so how can I have a late/missing payment? ), I was informed that the payment update created a glitch on their end and that the " late/missing '' payment was incorrect and would be removed. That was in the summer of XX/XX/XXXX ; it is XX/XX/XXXX, the " late/missing '' payments are still on my profile, I 'm still receiving emails and now inquires about it when I call Fedloan. And when I do remind them that the mistake is theirs and should have already been resolved, I get the runaround. 
Takeaway : Fedloan Servicing incorrectly billed me for a late/missing payment and is incompetent in fixing their mistake. 

Complaint # 3 : In XX/XX/XXXX, a customer service rep informed me of the qualifying payments I have made towards my Public Service Loan Forgiveness Program. When I received the official letter from Fedloan, my qualifying payments were less than what I went over with the rep.I followed up with Fedloan, and of course, no explanation other than it would be put in review, which could take months to address. 
Takeaway : Fedloan Servicing is purposely and unprofessionally, reducing the number of my qualifying payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: XX/XX/2016 my wallet was stolen along with my debit and credit cards. There were fradulent activity on my debit card first and my other bank called me up to notify me. I had similar charges/activity in my Bank of america debit and credit card but they never flagged it. I immediately cancelled my debit card and credit card. But that did not stop. On XX/XX/2016, the thieves withdrew XXXX money from the ATM and also cashed out a check for XXXX $ from the same account which was already overdraft. My BOA credit card was linked for overdraft protection and it kicked in but currently I am not only charged the XXXX $ but also charged interest. To make it worse, I am in the process of buying a house and my credit score is getting hammered because of these huge overdraft fees. I feel BOA was pretty clueless about fraud detection. Every time I called up, they had something missing from the Notes. Also I was put on hold for a very very long time. I even went to a regional branch and they could not help me. I spend almost 2 days ( taking off 2 days off work ) to solve this issue. BOA should have blocked this account knowing that my ID was stolen too ( I had mentioned that I have a police report regarding the stolen wallet ). I am not only losing my peace of mind but also my work hours. This is more than frustrating. They were pretty careless about my account. I do n't see myself doing any business anymore there. I had accounts with them for 10 years.

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX changed to Navient and I had automatic payments and was not notified that the payments were not going to be transferred. Because of the the loan went unpaid and this caused negative marks on my credit, I have called Navient to correct these negative marks to bring my credit score back up and they will not comply even though I corrected the issue as soon as it was discovered and have been making my automatic payments through my bank. Such practices can ruin the credit of a former student making finding housing and purchases impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Illegal foreclosure practices fraud upon the court banking entity pursuing me since 2007.  False affidavits, robosigning, banking entity not operating in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed XXXX items under the 609 law over the course of four months. All disputes were notorized and sent certified mail. Said items are still on my report against the law as bureau never provided me with original documentation of these accounts they are suppose to have on file before the can list it on your credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed an incorrect collection that had been submitted against me from XXXX collection for 6 months now. I had disputed it as soon as it appeared on my credit report which I was alerted by Experian. I called Experian and submitted a dispute against this collection as well as the other XXXX XXXX and XXXX. I had submitted various disputes against that collection with Experian and XXXX and both came with results that the collection belonged to me. I was not challenging the fact whether or not it belonged to me I was challenging the fact that it was a Medical bill that had gone unpaid by XXXX. I explained to all XXXX bureaus that this bill pertained to a No-Fault accident that I was involved in. I was the passenger of the vehicle that was struck from behind. The vehicle I was in was insured with XXXX and the vehicle that struck us was insured with XXXX. My motor vehicle accident took place on the afternoon of XXXX XXXX, 2014. I had made my attorney aware of the bills and submitted it to them. I also made them aware that XXXX collection was contacting me and threatening that if I didnt pay I would be sent to collection. The Representative XXXX who works with XXXX collection was really rude and when I tried explaining my situation she hung up on me. My credit report shows no late payments, my credit history is mint and everything has always paid on time. This is what I have on my side and I explained to the credit agencies that if I were responsible for this bill I would have paid the {$200.00}. But I am not. This collection has stopped me from purchasing a home and has been damaging to me and my credit history. I have tried many times to contact the credit bureaus and with no resolution. XXXX has been the only one who removed and deleted this collection off my report. My attorney has also submitted a letter notifying the collection company to hold off collection due to the fact the case is still open and pending settlement. And they continue to notify no payment/ or delinquent on my credit report. My case is still in litigation and my attorney who is representing me is seeking to schedule an examination under oath so we can finally close this case.

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 11/14/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (LA).
Issue: Managing the loan or lease

Complaint: In XXXX 2013 my sister I were shopping for vehicles and a dealer at Nissan incorrectly put my name on her car loan. I purchased my vehicle the next day from a different dealership. I checked my credit report serveral months later and saw the mistake. Nissan refused to change the paperwork and my credit and dti suffered tremendously from this error. I have disputed this account serveral times and only one of the credit bureaus removed it from my report. All payments made to the account were made by my sister from her bank account and not mine. I believe this was an illegal straw purchase made by the dealer on behalf of dealership to make a sale.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Payday loan) with Kingston Mediation Services (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A company called Kingston XXXX XXXX telephoned me and told me that I had entered in to an agreement with them and I owe them money for a payday loan. I never took a payday loan. I do n't owe money to anyone. They threatened to have me arrested and told me to call my lawyer.

Company response to consumer: Untimely response
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To whom th is may concern : I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau (  XXXX , Experian,   XXXX    )  are neglecting to verify the accounts properly to determine which ones are duplicates o r original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Debt collection (Payday loan debt) with GENTRY FINANCE CORPORATION (UT).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: This company has contacted my employer several times after being asked repeatedly to stop by my boss. I have also told them to stop contacting my work, and they kept calling. They said today XX/XX/18 the only way to fix that is to come in today and pay this. Or youll be getting sued and were working with an attorney now. I replied that I would go pay then as soon as I could but that I didnt want them to contact my employer again. She said it needs to be paid today or we will. I spoke with XXXX at convienient loans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (IN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have never been convicted of any crime, anywhere. This information is incorrect and is harming my reputation. This record is incorrect in it's entirety. The company that supplied this information is : 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 10-07-2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015 I was mistakenly charged {$1700.00} from vendor XXXX XXXX XXXX XXXX selling makeup. I bought XXXX lipsticks and facial cream which should have totaled {$60.00}. 
I did not catch this error for 2 weeks, Once I did, I called XXXX and was informed she did not have the Monies to refund me. I went into my bank ( US BANK XXXX and filed a complaint for fraud. they issued me a provisional credit on XXXX XXXX as XXXX XXXX was not responding to me or them. after 90 days I received a letter from US Bank resolutions dept that their investigation was completed and my credit was now permanent. Upon recieivng this information I thought all was done. Sadlly on XXXX they reveresed their decision and took the monies back stating XXXX XXXX had produced a signed receipt ( which I have never done ) I told the agent she swiped my card on a square card thru her phone and I never signed anything now was i given a receipt ( I know XXXX XXXX as a long time acquaintance and have bought from her in the past ) this reversal of monies overdrew my account and US bank charged me {$140.00} in fees. I was devasted that my bank could do this after giving me a letter telling me the fraudulent credit was permanent. I called US Bank and was told the reolution agent would call me on XXXX and they would aslo send me the receipt all of which I have not received nor has anyone ever called me. I have walked into the US Bank office on XXXX XXXX XXXX XXXX XXXX and spoke with the bank manangerXXXX and explained all to her. She was to investigate and offer me another credit. XXXX did pay me with a cashiers check of {$800.00} issued thru her XXXX XXXX XXXX XXXX account thus the new balance owing me is {$890.00}. I asked XXXX to dispute this new balance and get me a provisional credit. to date Nothing has been done. I was back in her office on Monday XXXX XXXX and she informend me she was still working on it. Yet no one has reacehd out or returned my calls or emails, I went online and emailed customer service thru my account and emailed XXXX XXXX XXXX as well again on XXXX. I am not getting Anywhere and feel cheated and stolen from. I will also be filing a complaint on XXXX XXXX XXXX by XXXX who operates out of her home. I now have to labor this with small claims court as well. How can my bank issue me a credit tell me its permanent and then take it back? I want this resolved and my {$140.00} in fees reversed as well as a permanent credit for the remaining disputed fraud charges to my checking account of {$890.00} balance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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: Hello! my name is XXXX XXXX. and i would like to file and complaint unlawful act. I have try speaking to this company in regarding this matter to get this resolved the company name is XXXX XXXX XXXX and as XXXX XXXX neither of these company. I haven't try to apply for any type of loan speaking with this this matter has became and big issue than it should never even contact me no kind of way about this manner. i did some research and found this information on my own trying to get this dispute because i have no acknowledgement of these inquiry i decide to turn to your company for help to get this matter resolved.

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