milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Closing on a mortgage

Complaint: This has been going on for quite some time and my home of 30 years was foreclosed in  XXXX .   There are so many layers to my problem I do n't know where to begin. Let me start. Around  XXXX  I was convinced to refinance my home. I did so and set up bi-weekly payments. The payments went to about  XXXX  companies ... finally they went  to Countrywide, then  to Bank of America. The payment were automatically withdrawn from my account. Then ... suddenly I received a notice from a debt collection agency ...  XXXX   XXXX   XXXX   XXXX . I did n't know why. My payments were automatically deducted from my account twice a month and from time to time i would add a little extra so I could pay off my mortgage sooner. Well ...  XXXX  took the money from my account ... they just did n't credit the mortgage. There were many phone calls back and forth and eventually  XXXX  convinced me to refinance my mortgage AGAIN. .The problem continued. A rep from   XXXX   told me there were always problems with computers when the companies chang ed ( news t o me ) then I was also informed they were a division of  XXXX ! Eventually  XXXX  changed their name to  XXXX . There is way too much paperwork to cover here but the bottom line is after spending thousands and thousands of dollars on NOTHING I eventually lost my home of 30 years to foreclosure. This did n't ' have to happen. I paid for my home many times over just trying to deal with the debt collection agency. It seems that Bank of America simply robo-signed my mortgage to  XXXX  without reading it. If they had they would see that I had a stellar on time record of payments and a wonderful credit rating. Not any more. Due to this fiasco I lost my home, almost all of my savings  ( inc luding my retirement account ). my good credit, and it is now almost impossible for me to find employment because I am labeled as a deadbeat. I contacted a lawyer who recommended I file for bankru ptcy. ( This h as caused even more problems )

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 10/20/2015 about Debt collection (I do not know) with Blatt, Hasenmiller, Leibsker & Moore, LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have called my place of business and called numerous numbers I received over  XXXX  messages from co workers that they called their personal number trying to reach me and my co workers told me they were a debt collection company. Any company I have dealt with on a business level has my personal number and mailing address so they have no need to call me at work. I am not allowed to have personal calls at work. I can loose my job from having debt collections calls AND it 's definitely a bad idea for them to just call random numbers at my job!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Dear XXXX ; My name is XXXX, my address is XXXX XXXX, NY XXXX, and I became disable on XX/XX/XXXX. In XX/XX/XXXX I applied and submitted my discharge application for Total and XXXX with Nelnet for my student loan to be dismissed, and again in XX/XX/XXXX I submitted all the documents that are need for my student loans to be dismissed, and as of today Nelnet have not dismissed my student loans. In the mean time, my student loans are incurred interest and Nelnet has been issuing XXXX and XXXX every time. I have called them and been getting the run around from Nelnet representatives. My account number with Nelnet is XXXX, and XXXX. I have submitted the Discharge Application for Total and XXXX XXXX XXXX XXXX Department of Education, XXXX Servicing, XXXX, XXXX, XXXX, phone number is XXXX or XXXX. Nelnet email address is XXXX. Went I looked at my credit reports from all major credit reporting agencies it shows I have XXXX student loans when in fact is not true. Nelnet is reporting wrong information to all major credit reporting agencies, and is doing nothing about it to resolve the issues. It has put me in the position to seek help from Consumer Financial Protection Bureau to resolve my issues, since I am not getting any help from Nelnet. I can be reach at the address located in the beginning of my complaint letter, and you can also contact me at XXXX. I want to thank you in advance. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I recieved a letter from them today stating th at they are a debt collection agency and that i owe them over {$900.00} for ( what i assume from the name )  a cell phone. I have had the same cell phone company for about 20 years. I contacted cell company and double checked that i am current on my payments. Then i called the  XXXX  # provided by the company and got sent to  XXXX . The representative informed me that they were collecting a debt and that i need to send them the money. I told them that i am disputing this, that not only do i not recognize said charges but that i have had the same cell phone company for almost 20 years and owe them nothing. They proceeded to tell me that i owe the money and that i need to send them a check today or they would be calling the police to have me arrested and have all my assets taken. apoun further inspection of " said debt '' I proceeded to tell them ( per there own collection paperwork ) that it states that the " debt '' is too old for collections, they will not try to sue me and they will not report it to the credit agencies ... .they hung up. This was/is a scam trying to get money from me that i do not owe yet they still try to harass me on.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX I took about a student loan with XXXX XXXX XXXX to cover my XXXX year at the University XXXX XXXX XXXX in XXXX, CA. Before my XXXX year was over, XXXX had notified me that my loan would no longer be serviced through them. My loan was then taken over by National Collegiate Trust, and soon began to be serviced by American Education Services. Since XXXX of XXXX ( 6 months after I graduated from the University XXXX ), I had made payments to fulfill the terms of this loan. 
In XXXX of XXXX, my parents began to the process to file for bankruptcy. My father is also the co-signer for XXXX of my XXXX private loans, including this loan. I found out on XXXX XXXX, XXXX that due the fact that my parents had filed for bankruptcy that my loan that was being serviced through AES auto-defaulted and I needed to contact National Collegiate Trust. I was given a phone number to reach NCT at, however this number was for XXXX a XXXX party debt collection agency. I called XXXX, to find out what the next step was for this issue and they stated that I was not in their database. 

As of right now, my loan is defaulted yet no payments were missed ( with the exception of a 3 month approved financial based hardship deferment ) and I wish/am able to continue to pay this loan and wish to fulfill this financial obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: JP Morgan Chase Loan : XXXX Over the past two months I set up an autopay with JP Morgan Chase on the above referended loan. I gave them the accurate details for the autopay and they continually attempted to take money from my " Savings '' account not my " Checking '' account. The two have the same number and numerous other companies have been cabaple of taking from the " Checking '' account. 

Two days ago ( X/XX/17 ) without any phone or mail notification they Repossessed the vehicle. I spoke with XXXX yesterday ( X/XX/17 ) who escalated to his supervisor XXXX yesterday and was informed that the only option was refinancing and they stated this several times. 

Today I was able to get refinancing from XXXX XXXX and when I was on the Phone with XXXX XXXX she told me that they could not accept the refinancing because they can not bring the account current. 

All in all I would suggest that JP Morgan Chase has been very shady in all of their dealings with me on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I co-signed 5 of my daughters navient loans and had a draft of {$500.00} dollars taken out of my bank account automatically each month on the XXXX of each month. I have made 27 payments with one problem because they said that it had to be renewed each year because the amount was more than what they said I had to pay. I was able to pay off the loans on the X/XX/2017 in full. I kept checking their website and say that all the loans were at {$0.00}. I thought that the auto withdraw was canceled and that was that with these XXXX XXXX. Well, It was n't. Another {$500.00} was stolen from my account on X/XX/2017. I called to get my money back and took up 4 hours of their precious time being passed back and forth between about 20 customer service members being told 20 different stories about getting my money back. I got from it will be a check to it will be electronically transferred back to me, I see it the XX/XX/XXXX, XX/XX/XXXX, or by the XX/XX/XXXX. Then I was transferred to the so called president who said that I had to send them a bank statement to show that the money was pulled, it showed it was taken on their own website, or conference in my bank so that they can verify that it had cleared, again already showed it had from their website. I did find out that I overpaid by {$300.00} and probably would not have found this out unless I kept after them. They gave me no choice but to complain to some one who might get a straight answer from these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I am being sued by a debt collection agency called XXXX XXXX XXXX out of XXXX XXXX, Michigan. For background purposes, I lived XXXX from XXXX until XXXX of XXXX when I moved to XXXX. In the late XXXX 's, I had entered into the credit card contract with Wells Fargo Bank while living XXXX, and any charges made on that account would have been made XXXX. According to XXXX XXXX XXXX, they state that the last payment I made on the account was XXXX XXXX, XXXX. XXXX has a 4 year Statute of Limitations on these types of debts/written contracts, so the SOL for this issue ran out on XXXX XXXX, XXXX. Despite knowing this, XXXX XXXX XXXX are now trying to sue me for the outstanding amount as well as their legal fees and 8 % interest on the balance ... even though the SOL has been expired for nearly one full year. I would like to point at that since the original contract for the account was signed and entered into in the state XXXX, this contract has nothing to do with the state XXXX and the 6 year SOL XXXX can not be applied against me just because I moved to this state. This is backed by XXXX 'Borrowing Statute ' XXXX Rev. Stat XXXX " If a cause of action arises in another state or territory or in a foreign country and, by the laws thereof, an action thereon can not be maintained in that state, territory, or foreign country by reason of lapse of time, the cause of action shall no be maintained in this state ''. 

XXXX XXXX XXXX is supposedly a " XXXX XXXX XXXX '', so they should know the laws set forth in the states in which they conduct business, which I 'm sure that they do, but are banking on the fact that the people they are bullying do not and will hopefully collapse under the weight of their intimidation tactics. The fact they KNOW that the SOL has already come and gone, yet they continue to prey on me, someone who is less educated in the ways of the law and force me to spend/waste ample of amounts of time and money that I do not have, to defend myself on a frivolous claim they know will not stand up in the court of law is egregious and disgraceful. XXXX XXXX XXXX and companies like them, need to be punished for their actions and have more stringent laws and guidelines placed on them so as not to fill the courts with these frivolous lawsuits.

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 07-03-2017 about Debt collection (Other debt) with Credence Resource Management, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Since XX/XX/XXXX Credence Resource Management frequently harassed me in attempt to collect an alleged phone bill debt I owed. I asked them to verify the debt, they ignored the dispute letters I sent and reasserted their claim I owed {$690.00} on my XXXX credit report. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. <P/>On XX/XX/XXXX, I decided to pay them the money to stop the harassment and delete the negative trade line off my credit reports. Till this day they continue to report derogatory information on my XXXX credit report. Given that Credence Resource Management acted in bad faith, and have not complied with federal and state laws, I told them I will seek damages against Credence Resource Management seeking damages for Defamation, Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

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 02-05-2017 about Debt collection (I do not know) with Choice Recovery, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This. company Choice Recovery appears on my credit report for {$550.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/30/2018 about Debt collection (I do not know) with Resurgent Capital Services L.P. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Per the companies arbitration clause they should not have sold any debt to XXXX  or resurgent capital and any reporting of it is a violation of the FCRA. They breached a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Struggling to pay mortgage

Complaint: ( XXXX ) This is the third complaint against this company who changed their name from Nation Star to Mr. Cooper, but the complaints are the same. CFPB closed the last complaint because the company responded, that seems to be a common result ... as long as they respond the complaint will be closed. This company has not offered any other help after we have made it clear these payments are not acceptable. We were told that once we made three trial payment our payment would be much lower. The trial payment were made but this resulted in higher payments and the company responding my XXXX exemption was not 100 % and XXXX XXXX sent tax payments out, although the tax were sent back several times. It seems that contacting this agency for help is not working as it once did and mortgage company like this one will continue to play games, hire unqualified people write garbage explanations back to homeowners. I will take this to another agency for help

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have paid off my loan but have not received my remainng escrow funds. I paid the loan off on XX/XX/XXXX and it is now XX/XX/XXXX. Per Bayview policy, I am to have my funds " forwarded to me 21 days after the payoff date ''. After ( 2 ) phone calls I was told it was mailed on XX/XX/XXXX ( which is past the 21 days as well ) but that it would take " up to 21 days to get to me in the mail ''. This is alarming as no mail takes 21 days and for the company to make such a statement should be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America AGAIN ... .for the past year BOA has been either saying I did n't submit a payment ( when they credited MY payment to someone else 's account ) ... telling me they sold my mortgage ... then telling me did n't sell my mortgage .... telling me my payments were late ( when they were n't ) ... and the latest That I applied for some kind of LOAN. I have NOT applied for new loan ... modification or any other program Bank of America has. This is the continuation of the tactics they are using to confuse consumers or coral them into a program or loan that they did n't apply for.This bank needs to be made accountable. If they keep HARASSING me I am going to file a law suit for discrimination. ( age, race, gender )

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 03/25/2017 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Advertising and marketing

Complaint: Was walking to my gate in XXXX XXXX when was approached by a sales rep for Delta Amex cards. He asked if I already had a card said yes ( Gold card ) and he proceeded to try to upgrade me to the Platinum card. I waffled because I told him I had literally just paid my annual fee on the Gold card and one of his selling points was that the fee for the first year for the Platinum card was going to be only {$95.00} and then {$190.00} annually after that. Just received my first bill and lo and behold not only was my card not upgraded it was an entirely new account and I was charged {$190.00} for my annual fee. I have called the company on XX/XX/XXXX and today XX/XX/XXXX. I filed a complaint with Amex on XX/XX/XXXX about the false advertising and for my troubles was told they would issue me a {$40.00} credit which would post to my account within 48 hours. I checked today and the {$40.00} has not posted and is not pending so I called Amex again, spent another hour on the phone just to be told they need to investigate the first complaint because they are not showing I was to receive {$40.00} credit. My complaint is obvious false and deceptive advertising on the part of Delta Amex. Not only was I immediately charged the {$190.00} when I was told it would be {$95.00}, I have not been credited back my pro-rated portion on my Gold card fee ( cancelled that card back in XX/XX/XXXX ) and was told I would not receive my Companion Ticket which is supposed to be issued upon invoice on the annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt is not mine in the sence that I am a medicaid recipient and due to their lack of filing the claim incorrectly, or so I have been told by medicaid, the bill was not paid. Medicaid also informed me that it is illegal to bill a medicaid directly for a medical bill. I have done my best to first try to get the bill paid, then try to work with these people to get the issue resolved. They will not return my calls and the one time I finally spoke with them to get their fax number, which they were very relucunt to give me, they continued insisting that I was liable for the bill. Your assistance with this matter would be greatly appreciated. The Debt collecter has bween nothing but helpful, my issue is not with them. It is with the original holder of the debt. I do not wish to file a complaint againt the debt collecter, only the original debt holder. I did n't reaqlize I needed to clarify that until later in the process. I apologize. Thanks again for your assiatance.

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