milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2015 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Financial Asset Management Systems ( FAMS ) has kept my credit cards on file even after repeatedly telling them that I do not consent to them keeping my information on file. FAMS is engaging in illegal and deceptive tactics in flagrant violation of the Fair Debt Collection Practices Act. I never consented to allow FAMS to keep any card information on file, and even after repeatedly asking them to remove the information they have not done so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Mortgage (Other mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (NY).
Issue: Credit decision / Underwriting

Complaint: I applied for a construction loan with a loan officer, XXXX XXXX. He was recommended by the builder we were using to build a modular home. XXXX XXXX was working for a bank out of XXXX and I met him in a basement to submit the application. After a few weeks, XXXX left the XXXX company and began working for Prime Lending -a Texas based company. He took my financial paperwork ( and never gave the copies back to me ) to the new bank promising it would be a better experience. Come to find out that the builder is not truly a builder and has no funds to pay contractors. Prime Lending does not vet their builders properly. The bank would not release any deposits to the contractors and the contractors would not work without money so I was forced to liquidate my XXXX to lay out funds to pay for work prior to the construction loan paying. I also found out they were advancing funds to the builder without my knowledge of what the funds were being used for and the builder 's contractors did not work on the house for months causing delays. during this time, I was requesting rate quotes daily as XXXX XXXX said there are 6 month rate locks. After a few days of emailed quotes. he stopped quoting me. He said getting rates thru his system was difficult. He never called me- never followed up even after rates started to climb.The whole reason for doing the end loan with them was to save the XXXX mortgage tax that I paid when I closed the construction loan. That was the carrot used to get me to do my permanent financing with them. I called XXXX manager, who did nothing, I contacted Prime Lending customer service and after 30 days of not a call or email back, I just emailed them and they turned me back to the loan officer for rate quotes. I believe Prime lending dropped the ball with quoting rates, I believe the builder and the loan officer are in collusion and Prime is responsible for not vetting the builder to see he had no funds to build a house. Their complaint department does not seem to take this complaint seriously. I would like to have my mortgage tax assigned to my new bank due to having to do all my own leg work, and the bank not quoting me rates in time to lock in to something reasonable - as rates have increased dramatically- was this a ploy as well. 
Their customer service rep ignored my request for assistance. I asked when his response would be and he said give him 30 days. It was after 30 days when I emailed him back to ask what was going on. The same situation was happening with XXXX XXXX. I only got rates when I prodded him. There was little communication and I believe I need to get this out to you so that no other " customer '' will go thru the experience I am presently trying to get thru.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Medical) with GLA Collection Company, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have attempted to communicate with this company to let them know that I am an ID Theft victim, and that these medical bills are fraudulent. I never applied for them, and they are both under my XXXX maiden name. I already complained about one Debt Collection Company. These people would n't listen!!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: On XXXX XXXX my home that has a mortage with Mr. Cooper Mortgage company was damaged during Hurricaine Irma. My home is located in an area that has been designated as a major diaster area. My loss to my home is not covered by insurance and Fema denied help as I do have insurance, even though the damage was not covered by insurance. 
On XXXX XXXX, XXXX I call my Mortgage Company ( Mr. Cooper ) and asked if they offered any type of  foreberance for victims of a national diaster. I spoke to XXXX XXXX, and she advised me that they did offer a plan where she could suspend my mortgage payment for 3 months, and that it would not reflect on my credit and that the payments would be added on to the end of the loan, without any penalty or added interest. Today I received in the mail a letter stating that this is not true, that the option to add the payments to the end of loan was not an option. I based my decision to temporarily stop paying my mortgage for 3 months on what I was told by XXXX XXXX. What help is a forebearance if the money is due at the end of the 3 months. I feel XXXX XXXX an employee of Mr. Cooper gave me fraudulent information that has caused me to now come up with the missed payments or could face foreclosure.

I called Mr. Cooper today and spoke to another young lady who had no definite answer to what will happen in 3 months, she said they could forgive, add it to the end or ask for payment in full. I then spoke to a supervisor who told me that my only option was to pay the missed payments at the end of 3 months. I believe I was fraudulently misled and now I can possibly lose my home to foreclosure if I ca n't come up with the missed payments, that I was told would be added to the end of the loan. This is not truth in lending.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (I do not know) with EOS Holdings, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife and I keep getting phone calls from EOS CCA XXXX Ma XXXX the phone number is XXXX. For almost a year they having been harassing us in an attempt to reach a XXXX. My wife and I have told them that we are not or do we know XXXX Pleas tell EOS CCA to stop calling XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The biller of my student loan is Navient. I have a large loan from XXXX of approximately {$120000.00}. When I tried to pay extra online, they absolutely refuse to let me pay toward principal. I can not find a way to have the extra amount apply in this fashion to further reduce my overall debt. I could not figure out why I had been paying extra, but it was not making much of a difference. I now see that my extra payment has been applied first toward fees, then interest, and finally principal. I was able to consolidate with another company ( XXXX ) at a lower interest rate and they let me pay toward principal. But, I have been paying all this time and have barely made a dent in my loan! I graduated from XXXX in 1997 and still have $ XXXX in student loan debt! I saw that you are suing Navient and wanted you to have this information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Advertising and marketing

Complaint: Bank of America intentionally trapped me as a consumer into a high interest rate poor credit card package by forcing me to sign up with a " pre-paid '' credit card first. I was told because i was young and had little credit history, that they prefer i do a prepaid card. Bank of America uses this practice to Trap younger generations and making it difficult and impossible for them to obtain Fair credit card deals and packages once they have proved their credit worthiness after paying their bills responsibly. Instead, BOA transfers their credit account directly to an interest charging credit card service with an APR exceeding 20 % + charging me annual fees when i generally would not be. I was robbed of the opportunity to have a better credit card service through bank of america, as it already deceptivley trapped me in the prepaid credit card service. Just a couple months after being told i should start with BOA prepaid credit card, i was approved for XXXX XXXX Credit card, which is XXXX of their premium credit card services. I believe Bank of america is intentionally trapping younger generations into deceptive credit card agreements, manipulating consumers into being trapped into accounts robbing them of credit opportunities and competitive deals. Even though i have always paid my bill, ever since my trial period was over with BOA, i have been rejected of new bank of america offers that would grant me the Usual 0 % apr for 15 months plus other card benefits. I believe bank of america is participating in anti competitive practices, consumer fraud, deceptive consumer practices, among other violations against me as a consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account was opened in XXXX and is still reappearing on my credit report. Please remove this Auto Loan from  credit report. Thank you. 
Unfortunately, I do not have any documentation and/or billing statements and receipts at this time. 



XXXX XXXX XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeAuto Lease ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$15000.00} Highest Balance {$0.00} Terms NA On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient is the lender for several of my loans. My original loans were never properly credited. I was always told about deferment or forebearance when I was employed in XXXX working for the XXXX in the XXXX from XX/XX/XXXX to XX/XX/XXXX. I would have been beyond eligible programs for repayments of {$0.00} because my salary was {$XXXX} hr for family of XXXX. When I finally got introduced tip repayment program and how it would work for me I got a {$0.00} payment but reapply every yr was a process. Either my forms werent received so ended up with missed payments. Offered deferment until I sent them in again. Once I was denied for missing spouse information, when Ive never been married. Once denied for only sending 4 weeks income verification. Never understanding those deferments changed my status with company but no correction to credit agencies. This still hinders a person from employment opportunies. I wanted a lot from obtaining my degrees, sadly the market still only affords me a salary under $ XXXX a year. Once I was laid off and used 401k money so it made my payments go up but because I received numerous communications it can be confusing to a genius. The combination of compounding interest, complex communications and settling for deferments is a recipe for never ending debt. Customer service reps seem to ask u about deferment as those its not a solicitation but of course every one will accept it because they cant jeopardize a bad repayment history. I failed to mention I worked on XXXX for 3 years. When I was laid off for 5 months in XX/XX/XXXX I refused to call the lender for fear by credit for my {$0.00} repayment would result to me being put back on forbearance which doesnt help me with payment credit to satisfy the loan just make it were I dont have a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Other

Complaint: On or about XX/XX/2017, I signed up for autopay on my Citi double cash card. The payment did not go through, and I received a late payment charge, which was automatically credited back to my account without my requesting. I subsequently re-enrolled in autopay on or about XX/XX/2017 since the previous registration apparently did not work. 

When I called on XX/XX/2017 and spoke to an employee who would only identify herself as " XXXX, '' she told me that there were no finance charges applied to my account. However, my statement showed a charge of {$22.00} on XX/XX/2017, and when I pointed this out, " XXXX '' acknowledged her earlier false statement without explanation. " XXXX '' refused to reverse the finance charges.

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I sent XXXX, Equifax and XXXX a certified letter advising that XXXX XXXX mandated they remove ALL payment history prior to my bankruptcy chapter XXXX and there are MULTIPLE inquiries I did NOT authorize and would like them removed as well as payment history. All they did is add BANKRUPTCY FILED to my XXXX CLOSED ACCTS with XXXX then knocking my credit score down XXXX more points. This bankruptcy was filed XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. So to add that comment now after over XXXX yrs is irrelevant. AND REFUSE TO REMOVE INQUIRIES I DIDNT AUTHORIZE AND indicating I have XXXX student loans when I consolidated into XXXX in XXXX if XXXX. I have proof all XXXX credit bureaus received my certified letters with signature required. And have done more damage now to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Student loan (Federal student loan servicing) with Windham Professionals, Inc. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have student loans with the US DEPT of Education as well as well as the US Dept of Education XXXX. I had these XX/XX/2011. I have paid these religiously and I am current on everything. I had a company contact me called Windham Professionals and demand XXXX. 
They would n't allow payments. they said the only way to avoid fees is to agree to a lump sum payment. The issue was the Dept of education had crossed XXXX addresses when I updated my address. and when I got this notice from Windham It was messed up as well. The lady I spoke with was horrible and she would n't let me speak to anyone other than her. and then her reply was " just do n't pay it! '' Th

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 11-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Associated Credit Services, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have spoke with this company and advised that this is paid in full and also called the regular creditor first energy on XXXX way with a rep to confirm and this was deleted off my report XXXX weeks ago and now brought back on my report XX/XX/XXXX. This is paid in full and i need this company investigated as soon as possible. I monitor my report and have been through many collection agencies with medical bills that has been scammers and every rep i 've spoke with have gave me different response. i have already spoken to someone weeks ago that already took care of this a deleted it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My AES is currently in default I 've tried talking to them but nothing. Ive been going through money issues last couple of years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and haveXXXX hard inquiry on my Experian credit report thats fraudulent and unauthorized : XXXX XXXX XXXX/XXXX/XXXX. The hard inquiry dont belong to me.

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 03/13/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NJ).
Issue: Making/receiving payments, sending money

Complaint: I sold an item on ebay, and the item was delivered via email. It was stated in the description. 
The person paid, and I shipped the item. They left me positive feedback. 
Paypal refuses to give me my money for this transaction. 

I have an email from paypal, where they said they would release the money on they XX/XX/XXXX, they did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2017 about Debt collection (Medical debt) with R & B Corporation of Virginia (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I did not receive services on the date that the company is stating. I have disputed multiple times as well as asked for a summary of services to see exactly what I am being charged for because I was not seen. I did not receive anything from this stating I even owed anything, the only reason I found out about this collections was due to the fact that I checked my credit report and saw this on my credit report. I have not received any information as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Started off with a federal loan through Sallie Mae Services with out my consent my loan information went to XXXX. Where they charged me several late fees, after my loans where in deferment for financial hardships. Which XXXX appears on my credit as late for non payment which is affecting my credit wordiness.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America mortgage has recently disabled their option to allow extra principal payments to pay our loan down. It used to be on their full website online as an option but they just decided to get rid of it. I was shocked to hear that the only option to make extra principal payments is to go drive to a bank or mail it in. We are unable to even try to do this by phone as BOFA will charge you. After contacting executive complaints Dept even they are aware how ridiculous this is. In today 's technology and especially when this was an option before how in the world can they think they can get away with this?? Driving to a bank or mailing it in is not only inconvenient, time consuming and costs us consumers interest and money not to be able to pay off our loan. It 's clear they are trying some deceptive option to make it difficult for us to pay off our mortgage quicker. I hope this gets around and something gets resolved or fixed. I 'm sure it will affect millions of customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: There was several accounts reporting on my credit file that did not belong to me. These accounts are reporting as a result of identity theft. I submitted the credit agencies with copies of a police report earlier this year and these items are still reporting on my credit file.

Company response to consumer: Closed with explanation