milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2016 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Loan modification,collection,foreclosure

Complaint: In 2003 I took out a Home Equity loan on my residence through XXXX Bank XXXX XXXX for approximately XXXX. A short time later in 2003 I also refinanced my residence mortgage with XXXX Bank XXXX XXXX for approximately XXXX. The loans were absorbed at some point by Bank of America where I had been paying on regularly until up until about a year ago. 

At that time I went through a divorced and my income level was reduced. I have had trouble paying on the loan for XXXX and the loan was handed of to XXXX XXXX. During my discussion with XXXX representatives about what was my first ( primary ) mortgage and what was the second ( equity ) I discovered that Bank of America had reversed them. I have since been in contact with the Mortgage Department at Bank of America who do not seem to understand that the mistake has been made. 

I have since spoken to a Bank of America manager who advised me that it did n't matter what was the first or second mortgage. That same manager stated upon speaking to the Mortgage Department they reaffirmed that the equity loan had been turned over to XXXX and was being treated as the primary mortgage. 

The primary mortgage on my residence has always been the lower of the XXXX loans. Contrary to what Bank of America personnel are saying it does matter which loan is considered the primary mortgage on the property. The reasons are many and especially given that XXXX was turned over to another lender and I am working to secure a refinancing program through them.

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 11/24/2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NC).
Issue: Problems when you are unable to pay

Complaint: I purchase a XXXX XXXX XXXX on XXXX/XXXX/XXXX in at the time they charged me a high interest rate of 9.64 %. I was a college student and I paid faithfully until I was injury on my job as a teacher assistant, then they came and taken the car from me in the year of XXXX, after I informed American Honda Finance Corporation my status, that I was on workman comp and I paid faithfully and they the American Honda Finance Corporation just up and taken my vehicle, which caused me hardship. The company did not even try to work with me, and I was paying what I could, the American Honda Finance Corporation repossessed my vehicle. I feel like they did me wrong, after I had purchased XXXX XXXX most of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: They reported me after they said they had made the mistake of charging me and that it would n't go against me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Did not receive right of notice to dispute this negative incident before it was put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (Credit card) with Gordon, Aylworth & Tami, P.C. (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Several years ago I had a balance of {$2000.00} on a credit card. Due to life issues I ended up not being able to pay and then honestly forgot about it as there was no contact for years. About a year o r two a go they drained my entire bank account and sent me info saying that I now owed {$7000.00}. I understand that this was my debt but that 's just crazy. I have now paid off $  XXXX  of it which seems more than fair in my opinion. However they are still asking for $  XXXX , 200 % of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: At the age of XXXX my husband was laid off from his company. He continued to work at XXXX to make ends meet. At age XXXX he was diagnosed with XXXX XXXX XXXX. He was unable to work. We repeatedly called to ask if we could lower our payments. Navient said no but we could do a forbearance. At the time the loan was approximately {$45000.00}. Everytime our forbearance was up we ask for a lower payment. They said no we can only do a forbearance. At one point I tried to pay interest only but could not do that with medical bills, prescription costs, etc. At age XXXX we called again and were told no, ... .the only option available was forbearance. Meanwhile at 10 % interest the loan is well over {$70000.00}. There is no way that we can ever pay off that amount. Now we are receiving calls from multiple companies to " help '' us pay off the loan. I have read that these are scams. I ca n't sleep at night because I know there is no way we can ever pay if off. If we do n't I have read that they can take everything. We do n't have much but what we have we have worked hard for when we were younger and would like to keep. I was never notified that Navient would be our loan servicer until after it happened. I am extremely upset and wondering what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I live in XXXX, CA and my loan servicer has changed 4 times and I can not finalize a loan modification. The current loan servicer is Carrington Mortgage Services and they have violated my homeowners rights. My attorney has filed a complaint outlining XXXX causes of action.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This dispute concerns my Paid Collection Account [ XXXX, XXXX ] on my Transunion Credit Report file ; The original creditor for this collection account is XXXX XXXX XXXX XXXX. It is my understanding that a Collection Account ( Potentially Negative Account ) is deleted from a credit report file 7 years from the date of 1st delinquency with the original creditor [ XXXX XXXX XXXX XXXX ]. My Transunion Credit Report File only shows the date that XXXX, XXXX received the XXXX XXXX XXXX XXXX account for collection, which was XXXX XXXX. The date of 1st delinquency with XXXX XXXX XXXX mobility should be reported as XXXX XXXX, not XXXX XXXX. I have disputed the accuracy/inaccuracies of this collection account with Transunion, but they apparently will not conduct a thorough investigation which should include contacting XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collection put a debt on my credit report which does not belong to me. It is a medical bill which belong to a child. When I called the company regarding the debt they told me I had to find out the information for the child in question and give it to them or that they would continue to report it as my debt. I told them I did not know anything about the child in question. I only knew the child 's name because one of their nicer creditors told me. I called the hospital in question regarding the debt and they said, clearly the debt do not belong to me and they have no record of any debt for me. When I called the collection agency back and informed them what the hospital stated, they said I had to send them in writing a letter disputing the debt which I did. They intern, sent me back a response stating " due to the concerns outlined in the letter I sent, their office has reviewed the account. According to your dispute, the account in question does not belong to you. In order to complete our investigation and resolve this matter, we need your assistance. Please provide this office with a copy of your Driver 's license/Identification Card and Social Security XXXX so we can verify your identity. Am I suppose to send them these documents. They used my SSN when they placed this debt on my credit report. I have been a victom of identity fraud before and am not comfortable with sending my documents through the mail. Why ca n't they just remove the information if they know that it is not accurate. North Carolina Permit # XXXX The company is Syndicated Office Systems , Inc. dba Central Financial Control Inc XXXX XXXX XXXX XXXX. XXXX, CA. They listed this same debt three times on my credit reports under both company 's name Please advise on sending personal identification to collection agency for the purpose of removing debt that does not belong to me. Thanks for your assistance.

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I '' m a victim of fraud and I have a file with the Federal Trade Commission. While preparing to check my credit for incorrect information, I have noticed there are six inquires that I have no knowledge of nor do I have or ever had any accounts opened with the companies, please will you help me in solving these issues? 

1.XXXX/XXXX ... .National Credit Cards/Airlines 4.XXXX XXXX .... 
inquiry date : XXXX inquiry date : XXXX 2.XXXX/XXXX .... 5. XXXX XXXX .... 
inquiry date : XX/XX/XXXX inquiry date : XXXX 3.XXXX .... 6.  XXXX XXXX ... 
inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 2 Months ago, I checked my credit and found that someone at  XXXX   XXXX   XXXX ,  XXXX , Florida  XXXX , Stole my Idenity by using my Name,  XXXX   XXXX  and SS # to apply for a  XXXX   XXXX  credit card. I immediatly, contacted  XXXX   XXXX  and denied the application was mine and requested a freeze on the fraudulent application. my credit score was effected.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Despite significant reprimands from the government, Citibank continues to screw its customers over. I am foolish enough to hold a mortgage with them, for which I pay over {$1200.00}!! PER MONTH in interest ... yet earlier this year, Citibank decided they needed to charge me {$30.00} per month for a checking account which I barely use. When I went to the branch manager to discuss the fact that I had been with the bank for over XXXX years, and that I was paying {$1200.00} in mortgage interest monthly, he refused to waive my monthly checking fee, and instead offered me a " basic '' checking account - XXXX which charges me {$15.00} for overdraft ( despite the line being attached, and which used to automatically cover overdrafts - which is what a line of credit was designed for ) and for every other " service '' they offer. The branch manager " explained '' to me that my mortgage balance did n't count because it was with a " different '' division of Citibank ... in other words, since the P & L was n't under the control of the bank management, the customer should be screwed. It 's very clear Citi should simply get out of banking because the morons running the US have no idea what they are doing. I will be closing my accounts this month. After XXXX years. XXXX XXXX, please, if you do nothing else, please get the stupid ex-Card management morons out of the banking business. They are destroying the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Requested this company to c ease and desist and send the debt back to the creditor ... they did not still receiving letters when I asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: For them to remove the items off my credit report like they should have already even without me having to dispute them. 
There are 3 or 4 total that I have disputed with them from XXXX and XXXX. 
1 is XXXX, another is XXXX, another is XXXX, and there are XXXX XXXX XXXX credit cards that are all really old. But the companies either changed the dates or sent them to collection and started them from that date. But either way I only had these cards for a short period of time and they are well over XXXX years old. And for them to refuse to remove them is illegal. Please help, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD).
Issue: Incorrect/missing disclosures or info

Complaint: According to Walmart MoneyGram website, it states transfer money within XXXX minutes, but when I called to inquiry, I was told up to XXXX hours. The XXXX minutes was highlighted next the the fee of {$4.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Debt collection (Other debt) with National Collection Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have contacted National Credit Management regarding Account # XXXX  at the address listed below via certified mail on XX/XX/XXXX and XX/XX/XXXX regarding unverified invalidated inaccurate information listed on my credit file with the credit reporting agencies, I have received back a letter from this company that i have attached that list account numbers, dates and charges but nothing that indicates that i am the account holder or responsible party for these accounts. I have demanded several times to have these inaccuracies removed by the company and by the credit reporting agencies but have not been successful. After researching the company and the debt collection guidelines in Texas ( in which i am a resident ) National Credit Management is not bonded with the state of Texas to collect any debt.

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Collection Agency Information National Credit Management XXXX XXXX XXXX XXXX MO 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 12/17/2015 about Debt collection (Medical) with Collection Bureau Services, Inc. (MT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX, XXXX Dear CFPB, I have paid in full a medical collection account in the amount of {$940.00} from when I had and was treated for XXXX XXXX and they are refusing to remove the collection account. 
On XXXX XXXX, XXXX I was turned over to collection by XXXX XXXX XXXX, XXXX, Billing office XXXX, XXXX, MT. XXXX a division of XXXX XXXX XXXX XXXX by XXXX XXXX, XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , MT. XXXX. 
After being denied a payment plan which was granted by all other affiliates and divisions of XXXX XXXX XXXX XXXX and after being turned over to collection there was back and forth about what was actually owed I received XXXX, XXXX ( division of XXXX XXXX XXXX XXXX XXXX ) statement dated XXXX/XXXX/XXXX in the mail with a balance due of {$940.00} which I paid in full within 3 days and have a cancelled check # XXXX in the amount of {$940.00}, see attached. 
Recently I pulled my credit and the collection account is showing on my credit report. I forwarded a copy of XXXX, XXXX XXXX/XXXX/XXXX statement and a copy of my cancelled check and the XXXX XXXX XXXX XXXX wrote back and stated ; See attached " Hi XXXX, Collection Bureau confirmed that the original creditor is XXXX XXXX and XXXX XXXX has not recalled the account and it still has a balance of {$1000.00}. You can call Collection Bureau at XXXX. '' XXXX XXXX CUSTOMER CARE SPECIALIST - FCRA CERTIFIED CREDIT TECHNOLOGIES XXXXXXXXXXXX XXXX EXT. XXXX I then called Collection Bureau Services , Inc. A Debt Collector XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, ( XXXX ) XXXX XXXX and spoke to the Manager, XXXX XXXX XXXX who confirmed the balance due is {$1000.00} and that XXXX a division of XXXX XXXX XXXX XXXX has not released the account. 
I asked XXXX XXXX, " IF I have a balance due then WHY have n't I heard another word from you in over a year, one year and four months to be exact? '' and XXXX replied " okay XXXX, okay. '' XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are in on denying me my rights to show a XXXX balance, collection paid on my credit report. 
I paid this bill ONE YEAR and FOUR MONTHS ago and this is the continued harassment from Collection Bureau Services Inc., and XXXX XXXX XXXX XXXX XXXX XXXX is blatant. I demand they remove this collection from my credit report immediately! 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , MT. XXXX XXXX and XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (I do not know) with GREAT LAKES (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received several calls and letters from the debt collection company Great Lakes. They have failed to state who the original creditor is but insists that I will be subject to wage garnishment. I received a letter from them stating that if I do not set up a payment plan with them then wage garnishment will happen by XXXX XXXX, 2016 The letter they sent says the amount owed but it does not state the reason or the company it came from. Great lakes is not listed on my credit report so I do n't why they are bothering me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted the bureau and the company XXXX XXXX on several time.. I have not been late on my payment. They are presently hurt my credit reporting this information inaccurate.

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 12/24/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I still have not heard anything back from this credit bureau. This is my 3rd complaint and i 've sent a total of 3 disputes as well with everything requried by identitytheft.gov and the ftc. The attachment has my ID theft report. Thank you so much for helping 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