milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX names on my report that I ave never used and dont use as well as XXXX addresses. This information is also kinked to XXXX credit card accounts that I have never had are not in my name and that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have private student loans from XXXX different schools. I have tried to make payment arrangements on these loans, but the lenders are not willing to work out or offer an affordable or reasonable loan repayment plan. I receive letters and numerous phone calls with the same end result.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Trouble during payment process

Complaint: I received a notice in the mail, dated XXXX XXXX, XXXX, from Wells Fargo Home Mortgage stating that I had a escrow account shortage of {$4900.00}. My mail was being held by the post office, so I did not get the mail notice until today, XXXX XXXX, XXXX. The shortage was caused, allegedly, by Wells Fargo buying home owners insurance due to a cancellation of my policy. In fact, a cancellation notice had been sent due to a late payment. Full payment was made and a reinstatement notice was sent. Wells Fargo claims it never got the reinstatement notice. My insurance broker stated that if Wells Fargo got the cancellation notice, it got the reinstatement notice, Wells Fargo 's attempt to get {$4900.00} from our mortgage account is the result of gross negligence or a deliberate attempt to bill for unneeded insurance..

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 01-03-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America is guilty of conducting XXXX without the authority to do so. In this instance, Bank of America has failed to properly execute and record any mortgage related document by associating the document with my private property and home. Specifically, only XXXX properly executed and recorded document has been associated with the assigned assessors ' property number ( APN ) of the subject property. Therefore, no default can be had or may be claimed on the recorded XX/XX/XXXX Deed of Trust. 

Just to be clear, neither Bank of America or XXXX ( XXXX ) hold the power of sale under the XX/XX/XXXX Deed of Trust in which the XX/XX/XXXX Notice of Default ( NOD ) and the XX/XX/XXXX Notice of Trustee Sale ( XXXX ) has been associated with and recorded as the XXXX is incorrect as it appears on these and other documents recorded since XX/XX/XXXX by Bank of America and their representatives, including the currently named trustee, XXXX. From this date forward, Bank of America and XXXX can no longer claim ignorance as to this fact. Any action from this point forward is fraudulent in nature and scope as well as evidence of a XXXX ( XXXX ) banking, mortgage, and real estate enterprising scheme intended to defraud honest, law abiding, and unsuspecting good folk of their homes. 

Since beginning the loss mitigation process with my request for mortgage assistance ( RMA ) in XX/XX/XXXX, Bank of America has done everything to separate me from my home.rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( XXXX XXXX. Bank of America continues to refuse to make the requested corrections of the errors made knoen to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America XXXX Bank of America defaulted on 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 explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I called capital one on XX/XX/2018 at XXXX and tried to have account closed. 
They told me I could not close the account and that it was restricted. 
I can not make payments nor close the account. 
I requested an arbitration hearing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a property in XXXX, Oregon with a mortgage with XXXX. An XXXX Deed was filed on XX/XX/XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX sold the mortgage to PNC Bank. PNC Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact PNC all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took PNC XXXX YEARS to finally finished the foreclosure of a property they already owned in XX/XX/XXXX. At that time, the credit bureaus updated my credit report XXXX 5 years after the recorded XXXX Deed XXXX that the mortgage was foreclosed. The incorrect handling by PNC and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.

Company response to consumer: Closed
Consumer complaint received 06/19/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My wife and I applied for a home loan through a major bank. To our surprise, there were XXXX ( XXXX ) accounting errors, and a bill for a person that is not me. 1. Tax Lien {$1600.00} My tax debt was settled XX/XX/XXXX, the balance is {$0.00} and it is paid in full, this should have been removed over 7-month 's ago. 2. Child support monthly payment {$660.00}, my daughter turned XXXX XX/XX/XXXX, my support was reduced to {$150.00}, this should have been corrected over 3-years ago. 3. My name is XXXX XXXX, I have no idea who XXXX XXXX XXXX is, this person 's credit history should not be connected wit mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: On or about XXXX 2003, I attended " Financial Aid '' assistance programs at University of XXXX XXXX. We were pushed to secure high cost " private loans '' through XXXX  XXXX/Navient and was led to believe that we would get high paying jobs. I distinctively remember that they touted salaries of {$100000.00} for starting graduates. The very first year, the student loan amount was small, but every year the loan amount required to pay for the year nearly doubled. The student loans show this progressive allocation of increased costs per year. 

Fast forward after graduation, my Private Student loan payment was nearly {$1500.00} a month. My initial bi-weekly net pay with my {$36000.00} year job was approximately {$1100.00}. Since then, I have lived a nightmare of having {$170000.00} of private student loan debt with no ability to pay it without leaving in a homeless shelter. I still do n't have a six-figure job! 

I have made every effort to work with Navient with these student loans and they continue to call me frequently and aggressively state that they will seize my assets, garnish my wages and put a lien on my house. I live in constant fear that I can not live a normal life based on the sizable burden of debt on myself. 

No company in their right mind should give a XXXX year old student six figures of student loan debt. It is single-handly the worse decision I ever made in my life. I pray that the CFPB can stop this practice and give our next generation a more secure life. I am asking for CFPB 's assistance to make Navient aware that they gave a loan out that no one could afford and come up with a rational solution so I can live my life.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I had to file a bankruptcy back in XXXX because of a lose in my income. In XXXX I was contacted by Portfolio Recovery abut me owing them money. I sent them a certified letter in XXXX telling them I did not owe them a penny and to not contact me any way, shape or form in the future. Well, fast froward to XX/XX/XXXX and I was contacted twice by there office. I received a phone call earlier in The month and about a week ago I was sent a form saying that they decided not to try and collect this 10 year old debt. They listed on the form, XXXX, that this decision was made on XX/XX/XXXX, over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I receive repeated harassing letters from Credit Protection Association after I have explained to them each time that I never received the phone services I am being billed for. They have said they will go back to the originating phone company but they have not.

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 11/13/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: I signed up with XXXX on the internet to receive recipes. I thought it was {$9.00} per year. The ad did not specify the time period. After the initial trial period they started billing my credit card {$9.00} per month. I called my credit card company, American Express and opened a dispute. I canceled the subscription on XXXX XXXX, 2016. American Express told me on XXXX XXXX and XXXX XXXX that a merchant block had been placed on my account. This company refuses to honor my cancellation and continues to bill my American Express card. I have contacted American Express who says that do n't know why or how the company continues to bill me. The latest charge was XXXX/XXXX/2016, completely unauthorized. I spoke with American Express again on XXXX XXXX, 2016. They told me there was a block on my card but the merchant can bill me anyway. Something must be done about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Credit card debt) with Synovus Bank (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$320.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AmerAssist A/R Solutions, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They are trying to collect a debt that is my mother not mine. 

I have called them since XXXX to supply me the details for the debt and every month they state that they did n't get a response from the person they are collecting. 

The debt is co-payment for my mother drugs from a XXXX XXXX that missed billed her and I told them that they missed billed. 

I have the invoices that they are trying to collect it is clearly for my mother and nothing to do with me. I think if they ca n't show how this debt is mine after 60 days then they should know they are in the wrong. 

The woman from the collector told me that they do n't care and it is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Conventional fixed mortgage) with Finance of America Mortgage LLC (OR).
Issue: Application, originator, mortgage broker

Complaint: I applied, was given XXXX choices in writing to 'lock in ' my mortgage rate on XXXX/XXXX/2016 1 ) I chose the {$1800.00} rebate %, the 'middle ' choice 2 ) AFTER I paid for the appraisal and incurred other closing costs I was told the 'rebate ' would be only {$300.00} 3 ) I complained and was told I could start over with a higher interest rate and another 'promise ' of a 'rebate ' in writing on XXXX/XXXX/2016 This is n't a choice, it was leveraged theft. If I started over I could be out more than the {$1500.00} they were taking from me. 
I closed on the refinance and am now complaining. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: filed section 609 or verification was not verified and not deleted!

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 06/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: USAA sent me a letter dated X/XX/2016 stating they received a response to a billing dispute for a charge from XXXX XXXX for {$430.00} which they stated was a valid transaction based off documentation received from XXXX XXXX. This transaction is being used to deem a larger credit card fraud claim my responsibility as well. <P/>The problem with this response from USAA shows they did not accurately investigate the billing dispute. They must have not even looked at the reply from XXXX XXXX or they would have spotted the immediate errors : * Dispute was for XXXX, documents received show two charges for {$74.00} and {$120.00}. These do not add up to the amount being disputed which was a single charge and not two charged. * The documentation received was from XXXX not XXXX XXXXy * The documentation showed receipts for a sale which took place in Florida * The documentation states the bill was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL * The receipts show a card swiped with a different # and being issued to XXXX XXXX XXXX not me. * The signature in no way resembles the one they have on file for me * The supplied Tracking numbers should have shown this merchandise was never intended for or sent to me. <P/>Despite the overwhelming evidence this charge was not performed by me or even mine, USAA held me responsible for it saying they investigated it fully. This charge is now being used in a credit card fraud billing dispute USAA decided to reverse a year later in violation of the consumer protection time frame to finalize billing dispute. USAA states their investigation showed I was responsible. One of the reasons being I have a XXXX XXXX rewards number. I 'm unsure what that has to do with it, seeing as this charge obviously was not mine. Having a Rewards Number does not automatically make me responsible for any charge from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am called multiple times a day at all hours ranging from XXXX to XXXX even though my loans are not in default.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I took out private and federal loans for XXXX XXXX XXXX in XX/XX/XXXX. The school was located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. I attended that school for 2 years graduating in XX/XX/XXXX. I obtained a XXXX in XXXX XXXX XXXX Learning that in XX/XX/XXXX XXXX XXXX schools closed all over the country questions my degree 's integrity and merit. I am in the process of payments for these loans that have only grown because of interest. My debt has grown. My federal and private loans are about 40000 in total. I originally took out this loan to further my education. XXXX XXXX XXXX does n't exist anymore but my debt is still very real.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: We disputed this charge with our credit card company ( Barclay ) to XXXX XXXX XXXX.  We signed up for this service while on vacation and after returning and investigating the company we found that it was Fraudulent inducement and under the direction of our attorney were told to not make any payments, dispute the charge, and cancel the card. We have received absolutely NO goods or services from this company. None. We disputed the charge but Barclay denied our dispute despite the fact that we have no goods or services received. Now it is showing up on our credit report and we have always had scores of XXXX and above until this hit our credit. We have never been late on a payment of any kind for any loan.

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 10-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hard inquiry on my account that I did not authorize.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Payday loan, title loan, or personal loan (Installment loan) with Michael Wayne Investment (VA).
Issue: Struggling to pay your loan

Complaint: I had a loan with XXXX XXXX Investment XXXX XXXX XXXX XXXX in XXXX however was unable to continue to fulfill making the payments and returned the vehicle which I was advised by the salesman during purchase that would be perfectly fine. I was then garnished for the first time in XXXX however never received any notification from VA XXXX XXXX XXXX as I reside in XXXX, VA. I never received any information about the debt or even that the vehicle was auctioned which is standard process. I did not know what happened as I never received any information or phone contact. This is illegal as I should have been given the opportunity to go to court when this was a warrant in debt. I believe this company purposely did not send me any information so I would not come to court and unable to argue the debt. I feel forced into this accepting the garnishment or debt because I was not given the right to a court date. I have advised the company I am unable to afford this debt as a single mother and I also feel they are personally attacking me as they continue to begin the garnishment process during my birthday month of XXXX and prior to the holidays. I paid {$350.00} per paycheck in this garnishment as I was garnished twice last year and the amount showed I owed $ XXXX in XXXX now it is {$14000.00} in XXXX after paying payments in the garnishment. The company is very corrupted and what they are doing to people is illegal. It should be illegal to charge anyone these amounts of interest. I believe I paid this car off as the car was worth {$3000.00} yet on the lot for {$10000.00} however I paid a year worth of payments at {$380.00} paid into a garnishment last year and they have begun another garnishment. I am at the point of losing everything because of this company and I do not understand how this is even legal. They broke fdcpa laws and many other regulations yet they are allowed to continue to do this to people.

Company response to consumer: Closed with explanation