milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-03-2015 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Taking out the loan or lease

Complaint: I have been a customer of Bank of America for over 15 years with a credit card. I have always paid the monthly fees and my FICO score is in the XXXX. I NEVER asked for a credit increase, but instead of sending me credit cards, B of A keep sending me odd letters saying that there is a problem with an " restricted access notation '' on my consumer credit file. '' This is bogus -- a lie. I called B of A several times, including a talk with XXXX on XXXX/XXXX/2015 at XXXX with the credit dept there. She said that there was a problem with my address, which they had it all along- NOTHING to do with my consumer credit file. 

She apologized and said that the cards were going to be released. Today, XXXX/XXXX/2015, instead of getting the cards, I get another bogus letter from BofA dated XXXX XXXX, 2015, mentioning the restricted notation (? ) again. I tried calling the credit dept. today, but it was closed. I talked to a regular rep at B of A and she can not tell why I 'm not getting the cards. 

I want to know why I 'm being harassed like this. This is scary. 

The credit cards expired in XXXX 2015 and I received new cards. However, next I received a letter saying that an " Unkown '' business has been compromised, and that I was going to get new cards. Then I got another letter saying that B of A will be sending me new cards with chips. I noticed a transaction that I did n't recognized online, I contacted the bank and was told to cut the cards and that other ones would be sent out. These never arrived. I contacted B of A again and was told that the cards were NOT to be cut out and replacements would be sent to me. However, because now I 'm caught in this credit request I never made, I never receive any cards. The situation is insane, and I do n't appreciate people playing with my credit and credit history like this. I do n't like that B of A is telling me in writing to contact the credit bureaus, when the problem is their internal mess. This is not right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Receivable Performance Management did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature

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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: This is unfair, the two accounts listed on my credit file have been re aged by the credit reporting agency and both are inaccurate, untrue and can not be validated. 

XXXX XXXX XXXX # XXXX {$280.00} XXXX XXXX # XXXX {$3000.00} I have disputed these with a response back now stating XXXX X/2017 which is false information. These are outdated, inaccurate and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (MA).
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: I have provided the following information to XXXX, XXXX, and OCWEN Loan Servicing LLC : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copies of the reports I received from XXXX and XXXX. 
This item, OCWEN Loan Servicing LLC, Home Equity Line of Credit is inaccurate because the date of first delinquency ( DOFD ) is either missing or inaccurate. As a result, the negative information associated with this specific tradeline is listed in my consumer file longer than legally permissible. 
The XXXX report does not specify a DOFD. The XX/XX/XXXX report indicates a Last Payment Made of XX/XX/XXXX. More than ten years ago. In addition, the property securing the Home Equity Loan was foreclosed on in XX/XX/XXXX. I have enclosed a copy of the Foreclosure Deed as additional proof. The Foreclosure Deed was recorded in New Jersey with the XXXX County Clerk on XX/XX/XXXX. 

I am requesting that the information in your records be corrected and that the item be removed from my XXXX and XXXX credit reports to correct the information in my file. I have disputed this item with XXXX and XXXX and have not been given an explanation as to why the file has not been corrected. 

Enclosed are copies of the Foreclosure Deed and the relevant portions of my XXXX and XXXX credit reports along with the disputes which support my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

OCWEN is providing incorrect information to XXXX and XXXX. There were no payments made in XXXX. The last payment date shown by XXXX  is XX/XX/XXXX. The date of first delinquency is over ten years ago. In fact the property securing the loan was foreclosed on and the foreclosure deed recorded on XX/XX/XXXX. Nearly nine years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (Other debt) with NCC Business Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed several accounts with this company, I have never done business with this company nor owe what is listed on my personal credit file. Nothing has been received from this company. 

NCC Business XXXX NCC Business XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit card () with WELLS FARGO & COMPANY (IN).
Issue: Other

Complaint: A Payment to Wells Fargo for the full balance was made. Wells Fargo continues to hold the payment even now 6 days later. We have made large payments to Wells Fargo in the past and experienced the same issue repeatedly.

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 09-11-2017 about Debt collection (I do not know) with Berman & Rabin, P.A. (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: threatened me with a lawsuit if I did not pay a fraudulent debt they claim I owe. I do not owe any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I am submitting this complaint regarding my student loan with Navient previously known as XXXX XXXX. I have taken out a loan in XXXX for XXXX. Now the cost is over 5000 and they are claiming that I am in default. One loan i have is paid off, the other is still in repayment. If the payments are grouped together, how is one in default and the other not? I have submitted transcripts to Navient and also a request to delay payment while in college. The transcripts were from XXXX XXXX at XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. They have refused to accept them. I have been paying my loan as my monthly statement becomes available paying anywhere between fifty dollars to a little over two hundred dollars. I have been paying on time and current for over* two years. When I logged into my account I have three loans. One is listed as paid in full, another as paid in full the final one I am still paying on. The issue is that, while one stated paid in full was later changed to Paid in full by the Department of Education. I was never notified of this by Navient. I was later contacted by a collection agency assigned by the Department of Education, XXXX  They have been calling me mercilessly at work and home. They have been sending letters to my home. I have set up a payment arrangement with them in the mean time, me that the past six months. They have been telling me they would send me information that I am in a rehabilitation program. They have not done so. They have changed their story every time I called them. Now they are threatening to garnish my wages within the month. This upset me because I should not even be in default. I am still in college, i attached my payments. Now that this is posted on my credit i can not apply for financial aid either. Another reason, I have been paying the agreed amount to XXXX What they have done to me is unethical and illegal. Attached are my transcripts, copies of Navient payments, letter threatening to garnish wages and past checks sent to XXXX. The most convenient way to contact me is via email, I work days. If you chose to contact me via phone, please leave message and I will return it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am being charged for a credit freeze and have been a victim of fraud and online hacking. Transunion and really all of them are doing a major disservice to people by collecting ans then storing my info ( data ). In the past someone used my credit info to open charge accounts and those XXXX pay loans. I am so sick and tired of companies and people making money off my image and my data ... illegally or what society has allowed to be considered legal. In order to collect my data or to house it on a computer you must have my permission to access, house or use my info and my image and I have not granted permission to any of them, ever and they continue to use my image which is my data. To turn around and try to sell me my own info or to lock my info is wrong and should be illegal. I am filing complaints with consumer complaint organizations as well as the Federal Trade Commission and my Attorney Generals office in XXXX, OH. These companies need to lock my info immediately and they DO NOT have my permission to retain my information on me on any system any further.

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 11/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Trinity Financial Services, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I had XXXX mortgage companies with loan XXXX. the 1st mortgage agreed with modification, but the second mortgage unable to contact with me, and unable to negotiate. I tried several times, but unable to reach then. Please I need help because, I 'm working alone, my husband is XXXX, and i want to keep my home. thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (CA).
Issue: Managing, opening, or closing account

Complaint: I requested a prepaid debit card from XXXX, which is issued by NetSpend, so that I could have access to my funds paid to me by XXXX.I was denied the card, because NetSpend is saying I owe them {$72.00}, and would not give me an explanation as to why I would owe them money owe a prepaid debit card.I donot owe these people any money, and I need to know why they are saying I do? I believe this a scam.I ask them to send me an explanation, he refused?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit card () with DISCOVER BANK (MA).
Issue: Billing disputes

Complaint: I mailed a check for my monthly Discover credit card payment on the day the bill arrived ( i.e. in plenty of time to reach Discover before the due date ). Because I am carrying a balance on the card, I am particularly meticulous about paying on time since they have the right to hike up the interest rate if the payment is late. I recall making the payment, and my checkbook contains an entry for the payment and a carbon copy of the check made out to Discover. 
Discover claims they never received my payment ( according to a letter they mailed me ). They billed me {$27.00} for late payment, and might increase my interest rate from the current 4.99 % to 17.99 % ( I have not received any notification of an interest rate change yet ). 
I have a 20 year history of *never* being late making a mortgage payment, or payment on either of my XXXX credit cards. 
The dollar amount of this complaint is so tiny that I am not asking you to spend any time trying to recover it - you have real crime to fight ; - ). However, I am wondering if Discover plays this game routinely ( pretending to lose payments ) so that they can charge fees and increase interest rates? I want you to know of my experience in case I am just one of many people experiencing the same issue with Discover. 

I also noticed in the complaint database ( thank you for the database! ) that other Discover card holders have been offered cash back on their Discover card if they sign up, only to find that when they are about to qualify for some cash back, the offer is rescinded. I had exactly this experience 20 years ago when I signed up for my Discover card. Because of this, I never used the card until just recently. I only used it about four months ago, and already I feel I am being scammed once again by Discover. 

Finally, I am now paying Discover electronically, and verifying each payment via a phone call to Discover immediately after making the payment. 

Thank you, and keep up the great work!

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a letter to have LVNV Funding LLC to have them Verify my debt In XXXX XXXX XXXX with my signature of where i signed, payment history, etc. All they sent me was a letter to settle the debt. Also, LVNV funding LLC is not licensed to collect debt in the State of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Managing the loan or lease

Complaint: MY NAME IS : XXXX XXXX XXXX XXXX ) XXXXI BORROWED {$7000.00} FROM SPRINGLEAF FOR XXXX MONTHSAT {$3000.00} INTEREST FOR SAME PERIOD. I HAVE PAID TODATE {$8000.00}. I BELIEVE THAT I HAVE PAID THIS LOAN INFULL PLUS {$1000.00} IN INTEREST. 
NOW THEY ARE SAYING THAT I BORROED {$10000.00} AND I STILL OWE THEM {$2000.00}. THEY WOULD NOT TELL MEHOW MUCH OF MY {$280.00} MONTHLY PAY WAS APLY TOTHE INTEREST AND HOW MUCH WAS APPLIED TO THEPRINCIPAL. I AM ASKING YOUR HELP IN THIS MATTER. 
THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a letter to Trans Union in XXXX, asking them to investigate errors that appeared on my credit report. Over three months have passed, and they have yet to respond.

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 07/26/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Billing disputes

Complaint: Chase Visa did not properly protect my rights as a consumer when I disputed a charge by a XXXX '' company. I had to call CHASE numerous times to get the information card mailed that provided the instructions to dispute. They were not very cooperative until months later. Thankfully I had clear cut email documentation of the vendor failure AND I provided email documentation from the XXXX '' Company that proved they had not provided services as advertised to CHASE. 
Chase summarily found in the vendor favor. I FIRMLY BELIEVE THEY NEVER REVIEWED THE DOCUMENTATION Until I escalated the complaint to Chase Visa " EXECUTIVE '' Office and fought for my rights. They finally agreed to dispute properly. I followed up with Chase Executive Office and was never called back to discuss my treatment. I gave them plenty of time. WATCHING THE XXXX SPEECH by the widow who was a victim of the scam reminded me that CHASE was more than willing to give me NO SUPPORT with my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I received a check and letter of explanation from Wells Fargo Account XXXX property address XXXX XXXX XXXX XXXX, XXXX, IL XXXX for {$150.00} I had a mortgage with Wells Fargo and there was a PMI amount inlcuded in the payment. The letter explained about incorrect information on how to get rid of my PMI payment. First, my complaint is that Wells Fargo never explained how their refund or settlement was calculated. Second, in the letter Wells states that they may effect my income taxes. Third, I asked about getting rid of PMI since I first got my mortgage payment in late XXXX. I had to make my first payment to XXXX XXXX XXXX, then Wells and I did inquire about getting rid of this mortgage payments and several improvements I  had to my property. What I am asking for is for Wells to refund my PMI since it was first misinformed which is late XXXX, next explain how Wells miscalculated and explained that in case of further litigation that I can still be a party in but not limited to a class action lawsuit or settlement. Lastly, Wells Fargo is responsible for covering any federal and state income tax liability and penalties their mistake cost. Including that cost of refiling both state and federal income tax with my accountant. I have been researching different cases involving Wells Fargo and do not trust them as a financial institution. When Wells sends a letter or sends a check I am suspicious of their intentions. I would like to use this situation to alert the regulators of more problems that Wells has caused, and I will reach out to my senators and US representative and members of the press to show another example of problems with Wells Fargo.

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 10-04-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with NEW YORK COMMUNITY BANK (OH).
Issue: Trouble during payment process

Complaint: New York community bank aka Ohio savings bank called the heloc XXXX XXXX years early due to no longer writing heloc and requested full payment of the balance. I attempted in XXXX and XXXX to make a payment over the phone to keep current so I could refinance with another bank and offered to mail a pmt. All payment requests were refused by the lender and the phone representatives only concern she asked me was if the calls to pay was on a recorded line. They have reported me as delinquent and I am unable to refinance because of their reporting. The lender originally lied and stated the loan has reached its maturity date which I was able to quickly prove the maturity date of 2012. Furthermore I was billed approximately XXXX per month throughout the term both by mail and on the automated system. I paid XXXX per month when billed for the lesser amount. Just last week In speaking with a customer service rep at the bank was advised the payments were approximately 450.00+ per month. I was never advised of this previously at any point nor was I in default prior for the supposed short payments.When first notified of their decision I was advised by a representative at the bank that i was not able to sit down with anyone t the bank to discuss their " offer to help '' paperwork nor was there anyone at the bank who I could call to discuss. The lender has been very deceitful, provided incorrect information and lied during this entire process besides refusing to take payment then reporting me as late to the credit bureau. I attempted to refinance and now can not. I did not want to do business with this lender any longer but was forced to go back to them due to the situation to try and rectify the issue. customer service representative at the bank assisted me with the loan application paperwork but is not a licensed loan officer. That is a big concern.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Credit card debt) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (MS).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Below is the text of an email I sent to the Collector today. I also attached the certified cease and desist letters. I received a voice mail today from your firm and returned the call this afternoon. I spoke with an XXXX who stated I had two accounts assigned to your firm and only those two accounts. I received 30 day notices for two accounts with your firm in 2015 and sent certified cease and desist letters. I have the letters and return receipts. Your agent stated neither account was marked cease and desist. I find this hard to believe considering it has been a little over two year since hearing about this. I believe the more likely explanation is that your firm has a policy of calendaring accounts for some time in hopes the debtor has n't kept the records to prove a cease and desist letter was sent. I am on Social Security XXXX and I have no assets. Regardless of the explanation this is a clear violation of The Fair Debt Collection Practices Act. I will be sending a copy of this email and copies of the certified letters with receipts to the Consumer Financial Protection Bureau for whatever actions they deem necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On Friday, XXXX XXXX, XXXX, Equifax informed me through their status portals that my credit has not been compromised, when in fact it was.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: my forbearancea never updated correctly. proper paperwork never received no options were ever given to me to how to handle my situation. i am confused to where my accounts are half the navient accounts say one thing and then others say something else. this should n't be i navient updated all the loans i have with them.at the same time.. which is effecting my payment history

Company response to consumer: Closed with explanation