milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with American Credit Acceptance, LLC (AZ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I purchased the vehicleXX/XX/XXXX financed with American Credit Acceptance. The loan was reflected on my credit report for approx 2 months. After being denied an new auto loan due to lack of Auto loan credit history I investigated. American Credit Acceptance was not reporting my auto loan. They post on their company website they do and each customer service rep I spoke with stated they do. XX/XX/XXXX I called several times to their customer service, wrote to their credit dispute department several times without any response. XXXX I wrote to their Corp office, which I revived a letter stating they made an error. XXXX andXX/XX/XXXXthe loan was reflected on my report. XX/XX/XXXX I was notified my score dropped major points. After researching and reviewing the loan fell off all 3 major credit reporting agencies. I called XXXX 3 times without any resolution. I have had the auto loan since XX/XX/XXXX and as of today my fico score has dropped 15-20 points, I have been denied Credit, Autos loans, Job offers and rental homes due to their inaccuracy to report as they stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit card () with DISCOVER BANK (OH).
Issue: Late fee

Complaint: My Discover Card connect to an account I had removed it from. However, it was charged without my knowledge I was thinking I still had a XXXX balance after paying off XX/XX/2016. 
Since I never received my statements from Discover I was n't aware of a balance. Discover let this balance, past due balance and other charges continue to accumulate late fees and finance charges for months without trying to make other contact. Whatever the initial charge was of less than XXXX -dollars from what the CS told me. The bill was now {$260.00} before they finally called my grandmothers house to speak with me about the delinquent account. They let this bill go until it had accumulated over {$200.00} in fee. My grandmother spoke to them in XX/XX/XXXX and paid them the total due. Later she inquired about the charges and was told the charges were late fees and interest since XX/XX/2016. I have no knowledge of what was charged to this account that led to the fee. My grandmother ask them to mail the previous statements this is my first time seeing any of this. They sent nothing showing me the initial charges. My mail for this now goes to my grandmothers address.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Trouble during payment process

Complaint: We have a home equity loan with Bank of America. We have to carry flood insurance on the home-which we do-now they want us to pay for flood insurance on out buildings-a garage and a 3 sided barn because they think we could live in them. When we last check with FEMA they don't cover out buildings. We tried to resolve this and had our insurance agent send the information that they asked for. They ( BOA ) decided we needed flood insurance on a three sided barn still. They also stated that the insurance agent didn't send the info on her letterhead. As far as we are concerned this is harassement. We have never missed a payment and have great credit. BOA seems to want more money any way that they can get it. Our land value along with no buildings is worth more than the loan. " XXXX also stated that the garage was now not having to have insurance but got the insurance papers in the mail the dame day we got a letter that they were reviewing this issue.

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 07/21/2016 about Debt collection (Credit card) with Second Round Limited Partnership (NJ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Case number XXXX, XXXX, XXXX I have attached a copy of my husbands credit report provided by XXXX. Second Round LP is still reporting " open collections '' updated XXXX XXXX, 2016. Attached also statement from case listed above where Second Round LP " ... decided to close this account and DELETE it from the credit bureau. We have asked our servicer to provide proof they have proper controls to assure all required verifications take place. '' To date, it has not been deleted from my husbands credit file.

Company response to consumer: Closed
Consumer complaint received 08-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX I booked and fully paid for a cabin rental with XXXX XXXX for a stay from XX/XX/XXXX-XX/XX/XXXX. 12 days after we departed ( XX/XX/XXXX ) I was charged an additional {$460.00} for " damages ''. We did not cause any damages during our stay. Discover Card allowed the merchant to charge me and refused to reverse the charges after I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (I do not know) with Audit & Adjustment Co. Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is not an account attributable to me, someone has obviously been using my SSN to gain access to services under my name. This is not my debt and needs to be cleared from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a collection company that is reporting a bunch of medical debts that are unknown to me, I have disputed and requested validation and nothing has been received and this information is still on my credit file which is in error.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (Home equity loan or line of credit) with FIRST NATIONAL BANK OF OMAHA (KS).
Issue: Credit decision / Underwriting

Complaint: On XXXX/XXXX/2016, I called First National 's automated system to check my available credit. It stated it was about {$330.00}. My statement also confirms this, Specifically, it states {$350.00} is available. Therefore, I paid {$300.00} on a credit card that I used to pay for an air conditioning repair. 

On XXXX/XXXX/2016, I received a letter in the mail from First National stating the check was returned for {$300.00} ; Moreover, they charged a {$33.00} NSF fee. When I called their automated system, it stated the balance is now {$8700.00}. So there is money that is unaccounted for on the account that has recently come through that they never informed me about through the mail or through their online system. Moreover, the {$300.00} paid to the credit card company is the only recent transaction completed by me on this account since about XX/XX/XXXX. They never should have returned this check and they should given the correct balance when I called.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-11-2017 about Debt collection (Medical) with Franklin Collection Service, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I would like to submit a complaint regarding Franklin Collection Services, located at XXXX, Mississippi XXXX, for reporting time-barred, obsolete unknown medical accounts ( # XXXX, XXXX, and XXXX ) on my XXXX credit report # XXXX and my XXXX credit report # XXXX. I have mailed Franklin Collection Services at least numerous letters during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; requesting their company cease and desist collection activities and to validate the unknown, time-barred, obsolete medical accounts/debt they are reporting on my credit report ; in accordance with the federal Fair Debt Collection Practices Act, 15 USC & 1692g, Title VIII Debt Collection Practices and Louisiana and Mississippi collection laws. Franklin Collection Service has not ceased collection activities and has not validated the unknown medical accounts/ debt in the specific guidelines set forth in the letters per the Federal Debt Collection Practices. 



Moreover, I have repeatedly asked/requested via letters I mailed to Franklin Collection Services to produce a signed contract signed by me for these unknown medical account ( s ) /debt/services, and Franklin Collection Services has not produced a contract or any of the other requested information I asked this company for to validate these unknown medical accounts/debts. In addition, the unknown medical accounts/debt are time-barred in Franklin Collection Service home state, Mississippi. Per the debt collection laws in Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Clearly, not only is Franklin Collection Services violating Mississippi state debt collection laws by attempting to collect a time-barred debt/account ( s ) but the federal debt collection laws as well, per the Fair Debt Collection Practices Act at 15 USC 1692 et seq., and which states in relevant part : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, '' which includes " the false representation of the character ; or legal status of any debt, '' and " the threat to take any action that can not legally be taken, '' all of which are violations of state and federal debt collection laws, as well as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with BARCLAYS BANK DELAWARE (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: BRCLYSBANKDE Shows as a hard inquiry I have not authorized any credit checks with this or any institution. Please investigate and remove this inquiry that is negatively impacting my score. 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 03/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I had a student loan from my school XXXX that at one point went into default I had stated to make payments to the first collection company that then took them out of default so I could attend school again. I then enrolled into school then about two months after the school was shut down. My loan was then turned over to Navient. They are the most unprofessional company I have ever had to deal with, the send emails daily just about with all my personal information to be displayed and they then call me every day 2-3 times a day from different numbers and leave messages constantly. I have 34 voice mails all from them in less or around 30days. I spoke with a lady that stated I can be on a XXXX a month payment plan and they will send a email that i have to respond to in 48 hours or I cant enroll in the program the email was send days later and then the letter she stated she would send was never sent. I feel so harassed and I also feel I should n't have to pay this not only because the barrage of calls but the fact the school was shut down due to there legal issues. I feel I want to place a lawsuit on this company for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: someone used my stolen identity information and created several accounts including this one from getting services and things that i was not apart of yet the information that was stolen was used this account is fraudulent and from id theft and needs to be taken off asap

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: My husband was laid off in XXXX, creating a financial hardship. I contacted Ditech when we realized it was going to take a while for him to get his old job back. Upon doing this Ditech told us that we could apply for loss mitigation. They assured us that we did not have to worry about making our house payment during loss mitigation because nothing would happen during this process they could not do anything about it, there would be no foreclosure taking place. They also told us that if the loss mitigation application was denied they would work with us on making repayment to Ditech. One representative quoted {$1500.00} a month and ask us if that was doable. Other representatives gave us conflict thing information on a regular basis. But overall we were told we did not need to worry about our mortgage payment repeatedly. Now Ditech is telling us that we have to pay them almost {$3000.00} in order to catch up our payments. They will not except just one month to start. Although they did except it once before but now they 're telling me they wo n't. So instead of being able to work with them to set up a repayment program as they repeatedly told us they would do, they are requiring all late fees and two months worth of payments in the next 13 days or foreclosure proceedings will start. They have lied XXXX 's repeatedly during this process, one representative after another with different information. Some agents told us that we would have the payments tacked onto the end of our loan, some representatives told us our interest-rate would be lowered, some representatives told us that our loan would be put out to a 40 year loan. Again repeatedly assuring us that we did not have to worry about making a mortgage payment that they would work with us if our loss mitigation package was denied to set up a repayment program. None of this turned out to be true.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am writing about a collection on my XXXX credit report. The collection comes from XXXX XXXX. Portfolio Recovery XXXX is handling the collection. I have been a victim of identity theft and someone setup account with several credit card companies acting like me and never paid them. I have report this on all my credit reports. There is a fraud alert too. The amount is showing up as {$910.00} and as a negative collection. I need Portfolio Recovery XXXX to remove it completely from my XXXX report. I am refinancing my home and they indicated that it would have to be removed and corrected before I can move forward. I am just being honest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I faxed a complete modification packet sinceXX/XX/XXXX to Rushmore to be review for a modification. However ; they were refusing to review my packet due to having an active foreclosure for XX/XX/XXXX.I filed an emergency chapter XXXX Bankruptcy the same day of my sale date, and due to the automatic stay they cancelled my sale. Since my intentions are to keep my home, I contacted Rushmore on XX/XX/XXXX and spoke with XXXX XXXX id # XXXX he confirm my sale date was canceled, and he advised me trough a recorded called that he was sending an email to my point of contact so they can start my modification review. <P/>That did not happened when I called Rushmore again onXX/XX/XXXX I spoke with Agent XXXX she told me I have exhausted the times I can be reviewed. I told her that was incorrect because this was never told to me when I faxed them my packet. I told her the reason why my loan was not being review was due to having an active foreclosure. <P/>Rushmore is refusing to work with me, even though I have an increase of income. The last review dated XX/XX/XXXX Rushmore only used {$1400.00} as my source of income. The application I submitted onXX/XX/XXXX I  am presenting rental income since I was able to rent a room in my home for the amount of {$300.00}. My income has increased and I am confident with this new source of income I will be able to be provided an affordable trial payment. my intentions are to keep my home with an affordable mortgage payment. I am tired of trying to work with Rushmore when they dont even want to review my new application. I am an elderly person and I honestly believe Rushmore is using fraudulent and deceptive practices in order to prolong my case making me fall further behind. I am asking for an opportunity to be reviewed for a modification, a fair review.

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: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient did not respond to my initial complaint filed through CFPB regarding payment application. Also, received my 2016 XXXX year end statement that is reflecting an excessive amount of {$21000.00} in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My home was foreclosed on XX/XX/XXXX by M & T Bank. I had a " Get Started Loan '' with them I found information that they have a law suit against them with this same kind of loan and during the time my home was in foreclosure the lawyers that was handling case also had a law suit against them and I was not notified of this information, only that they changed there name, XXXX XXXX XXXX now The XXXX XXXX XXXX. I am asking for my loan to be looked into from XX/XX/XXXX to XX/XX/XXXX. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Hi, In XX/XX/2017 my husband referred me to open an AMEX SPG Business Card. Since I have a XXXX XXXX and own a XXXX XXXX I thought it could be a good idea to try to keep expenses separate. I used his link, applied and was approved for the card. The offer stated that I had 90 days to spend $ XXXX to receive XXXX SPG points. I received the card in XX/XX/XXXX and used it right away to pay some expenses. I spent $ XXXX by the middle of XX/XX/XXXX and waited for the points to post. Normally, bonus points post the next cycle. After not seeing them post, I called and inquired. They opened up a case and said it can take 6-8 weeks. I inquired every now and then via chat and was finally told in early XXXX  that I was not eligible. I asked why and was told it was because I had the card before. I informed the customer service representative that I have the personal card and not the business card. I asked what date does it show me having the business card and he could n't tell me. He checked via my SSN number and agreed that I never had the card before. He said he would open a new case, but it should be resolved quickly. Thinking it would be quick I called a few times in XX/XX/XXXX. Last week I spoke to a supervisor. She told me that case is still open, but it would not go in my favor since my offer states a bonus is not available to those who had the same product. Again, I explained I have the personal card, but I never had the business version. She said they are the same and there was nothing she could do. To be honest, my husband and I love AMEX. I use the SPG cards and he does as well, along with his Blue Cash Preferred. Their customer service has been terrific except in this case. For some reason, they refuse to honor their agreement and provide the bonus SPG points.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX, I received my XXXX file. File number XXXX. What was reported by Bank of America, my mortgage loan was that I have a Fixed Rate Mortgage. It was reported twice. The first date it was reported was on XX/XX/XXXX as a Fixed Rate. The second date was reported on XX/XX/XXXX. First and foremost, I have not refinanced my mortgage with Bank of America. My loan was bought when Countrywide Home Loans was purchased by Bank of America. I have never had a FIXED RATE MORTGAGE with Countrywide Home Loans or with Bank of America. I have a 30 year Conventional Adjustment Rate Mortgage. I have taken pictures of what was reported to XXXX. Additionally, I 've taken a picture of my latest mortgage statement that shows I have a 30 year Adjustable Rate Mortgage, that is affiliated with the one year Libor. My mortgage rate is adjusted every year. My new monthly mortgage payments change on the first month of XXXX of every year. Please investigate this matter thoroughly. As I do think Bank of America was colluding with XXXX and XXXX. My Bank of America Account number is XXXX. My XXXX Equity Line of Credit number was XXXX. My XXXX Account Mortgage Account number was XXXX. I, honestly believe I 'm a victim of Libor Rigging Scandal. Or a victim of Credit Debt Swapping.

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 06-11-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Application, originator, mortgage broker

Complaint: I initially entered a Bank of America branch on XXXX XXXX to apply for a home loan. I spoke with XXXX XXXX, gave him some documentation. He promised he would get back with me the following Monday. He blew it off. I contacted XXXX XXXX at Bank of Americato assist in completing the mortgage. He frequently ignored my calls at XXXX point I had notheard from him in 11 days. On XXXX XXXX I received a letter stating Bank of America promised XXXX back if they did not close witjhin 30 days. It has been 3 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief