milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: COUNTRYWIDE HOME LOANS, INC. ( hereinafter " BAC CORP OWNED ASSET '' ) is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX 's '' ) took out a loan with XXXX XXXX XXXX, XXXX ( hereinafter " XXXX '' ). 
To secure repayment, the XXXX 's executed a Mortgage with XXXX XXXX XXXX XXXX , XXXX ( " XXXX '' ) as nominee for XXXX which was recorded in the Bureau of Conveyances of the Federal State of Hawai'i as Document Number XXXX. ( See " Attachment '' ). 
BAC CORP OWNED ASSET is stating that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the Bureau of Conveyances of the Federal State of Hawai'i as Document Number XXXX, XXXX OWNED ASSET is now the mortgagee of record. ( see " Attachment '' ).

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 12-10-2017 about Debt collection (Medical debt) with Jon Barry and Associates, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Notice a collection account was added to my credit report on XX/XX/17 that does not belong to me. I recently had my identity stolen and have a police report to support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, 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 08-10-2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Closing on a mortgage

Complaint: Bank of America filed a fraudulent lien during financing of XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX VA XXXX. Double liens were filed, and when alerted about it, Bank of America is not taking any action to correct the lien status

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 03/29/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (TN).
Issue: Trouble during payment process

Complaint: I dispute roughly {$2000.00} in charges added to the payoff. These were for foreclosure procedures entirely the result of the loan servicer 's failure to provide regular statements during the entire term of the loan and it's inability of the company 's call centers to explain the charges. 

A compromise offer was made and repeated in a previous CFPB complaint. The companies response implied the matter could be discussed by calling a phone number included in the response. That number reached the same call center whose personnel are unauthorized and unqualified to negotiate. 

The company 's response avoided the issue of the settlement offers. Instead, it used the response as a ruse to close the complaint and move swiftly within days to foreclose without notice received. Surely this kind of extortion must be illegal. 

Throughout the dispute I have been misinformed as to who owns the lien and who I might reach for oversight to correct the malfeasance of the loan servicer and its foreclosure agent. 

This is a new complaint against actions the company took immediately after its misleading response to a previous complaint, as well as its failure to address the central issue or to defend the malfeasance that led to the charges in dispute.

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 10-02-2016 about Credit card () with First National Collection Bureau, Inc. (CA).
Issue: Other

Complaint: Received demand for payment of " delinquent '' account that was assigned to First National Collection Bureau, In., from its client XXXX, with the alleged original creditor named as XXXX This debt is barred by the California Statute of Limitations of four ( 4 ) years and the creditor is seeking to collect on an invalid debt. This action constitutes a violation of state and federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: As of this moment in time I do n't have specific dates but on multiple occasions I have been deceived by how many individual loans there are, how much is being payed toward each one, how the accounts are setup, then when I call in and set up my auto payment I am told one thing then another and after setting it up I have to still call back again and again and again to make sure they are processing the payment. Once payment processes it still does n't happen the way it was set up ... the consistent misallocation of funds and waistling of my time ( can only call while at work otherwise they are closed or you have to talk to someone who does n't understand what your explaining ) has stressed me out and caused my patience to drop to below zero. This company is a horrible representation of banking, loans, and customer service! As of this moment in time I will have paid 5x ( or more ) the original inception to pay off these loans. And only 8 years in! All because they misallocate or lie and deceive you so that they make higher profits I.e. Repayment of 150 % or greater. <P/>If you or anyone you know has Navient as their provider I am truly sorry and I hope that you can get out from their tyranny

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Credit card) with Praxis Financial Solutions, Incorporated (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Praxis Financial solutions is trying to collect on a debt that has reached the Statute of Limitations. In the letter that was mailed to me, the date of debt was purposefully obfuscated. I called absolute Solutions and I was told that the statue of limitations on the debt had expired. 

XXXX XXXX was rude and disrespectful when I called to resolve the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I had an outpatient procedure at XXXX XXXX XXXX. I got a bill from the out patient facility, XXXX XXXX XXXX and from XXXX XXXX XXXX. 

On XXXX/XXXX/XXXX, I called and spoke with XXXX XXXX XXXX because there was an error in the insurance billing and I had already paid a portion of the bill when I had the procedure done. I spoke with XXXX in customer service at XXXX and he said he was putting the bill on hold until they could sort out the insurance. 

Around XXXX and XXXX I called XXXX to check and they were still working on it. 

On XXXX I got a letter from CMRE XXXX. On Monday XXXX/XXXX/XXXX I called XXXX again and they said they had sent a bill and the insurance was corrected. I said I never got a bill. I called BCBS while XXXX was on the phone, verified the insurance and billing were correct and immediately paid the bill with XXXX. I got the payment confirmation number and immediately [ XXXX/XXXX/XXXX ] called CMRE explained the situation and gave the representative the payment confirmation number. They assured me it was n't on our credit and said they would close the file. I pulled my free credit reports and verified nothing had been reported. 

On XXXX/XXXX/XXXX I get another call from CMRE and they are attempting to collect this debt again. I again gave them the payment confirmation number and explained what had happened and that I had already called them with this information back on XXXX/XXXX/XXXX. The representative was very rude and dismissive and hung up on me. I called back and asked to speak with a supervisor and was told there was no one available and before I could say anything put into a voice mail box. I called back again and was asked for my information and push right through to the same agent who said, " I 'm not speaking with you. There is a process and I will verify if you made the payment when I can! '' and then hung up. I tried calling back several more times to speak to someone who could help and I kept getting pushed to voicemails or thrown into their phone system to push one to talk to so and so ... .etc.. 

I then called XXXX and let them know what was going on. They said since I made the payment online/over the phone there are 2 different payment systems and sometimes this happens where XXXX is n't notified. I asked again for a supervisor and spoke with XXXX XXXX who apologized and said that she would call CMRE and verify payment today.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Billing disputes

Complaint: I have a credit card with Sleepys that is through Synchrony Financial. Every month I have paid XXXX which is more than my minimum payment. I set up the payment to come automatically through my bank on the XXXX of each month. I unfortunately had not looked at my statements for over a year. I recently opened one up and noticed they charged me a late fee. I opened up old statements and found that they too had late fees associated with each payment even though the payment was received by them each month around the same time. I called to ask how I could be charged a late fee each month when I was paying each month, let alone that I was paying more than the minimum. 

I was told my payment had to be received before the due date each month and each month it was received after that date I was charged a late fee. I understand that the XXXX payment would be late, but is n't every payment after the XXXX one I was charged the late fee just early? I understand how the bank needs to charge late fees because they are not receiving a payment more than the minimum each month. The bank was getting more money than I was required to pay and they were charging me a late fee every month. 

This to me is a practice that is meant to maximize the amount they can charge the consumer rather than an attempt to recoup money due the company. It to me seems wrong. 

They assured me they were allowed to do this under the consumer protection act and they were following the law. If this indeed was the intent of the law then it is clearly a loop hole in the law so financial institutions can continue to charge excess late fees only to help their bottom line. Of the XXXX late fees I was charged they waived XXXX and assured me that was more than they had to do and I should be happy they were doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Non stop calls asking for XXXX XXXX, ( who is deceased ). Saying if you are XXXX XXXX, stay on the line, if not hang up. 
I hang up, because I am not XXXX XXXX, but the calls continue. 
I stayed on the line, hoping to talk to someone, but never get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Credit card) with LTD Financial Services, LP (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The collector contacted people around me who has no idea that I owe money, and they are people who are my family member and my friend who has nothing to deal with my personal life. They stated who they are, but then when ask for more detail, they just keep asking to speak with me. My sister has told them not to contact any other third parties other than myself, yet they tried to contact my ex room mate the next day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2017 about Debt collection (Credit card debt) with Forster & Garbus LLP (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: On  XXXX / XXXX /  XXXX   my employer received a judgement to garnish my wages. The garnishment started about a month ago. I called my HR person who informed me that the creditor was  XXXX   XXXX , whom I have not had any bad debt with for ove r 10years.  The entity that bought this debt  is Foster and Garbus ,  XXXX   XXXX   XXXX   XXXX  NY  XXXX . Their phone number is  XXXX  when I called I was transferred to Ext.  XXXX . The statute of limitations on unpaid credit card debt in NY is 6 years, therefore this is illegal an illegal debt for them to collect on. Furthermore I was never issued a summons to appear in court for this so called debt. I have emailed and cal led Foster and Garbus  and no one has gotten back to me with the information I requested ie date of the debt, the name of the court the judgement was issued in etc. I did a search on  Foster and Garbus  and found many such complaints dating back 5 years. Why is this illegal activity allowed to continue? You are my first step in trying to get some answers.     Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XX/XX/2016, I filed a 609 dispute letter with Experian via certified return receipt mail disputing the following items : XXXX Re : Acct # XXXX XXXX Re : Acct # XXXX XXXX XXXX XXXX ( XXXX ) Re : Acct # XXXX XXXX XXXX XXXX ( XXXX ) Re : Acct # XXXX I received a response dated XX/XX/2016 Re : Report # XXXX, stating that these items have been verified and will NOT be re-investigated. Despite my previous XXXX written requests, the above mentioned disputed accounts, these unverified items still remain on my Credit report with several inaccuracies between the XXXX bureaus. Experian has ignored my requests to provide me with copies of the documents that were used to verify the above mentioned items. Experian 's failure to delete these disputed accounts is evidence that they can not and did not verify any of the disputed accounts as they have stated they have, and is also evidence of their willful disregard of Federal Law. Experian has clearly parroted information provided to them by other sources and shifted the burden back to me to contact the original Creditors which is clearly a violation of Section 1681 ( a ) ( 4 ).

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 11-12-2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Managing the loan or lease

Complaint: I took a title loan out with Wilshire Consumer Credit, an extremely high interest, short term loan, for about {$2600.00}. The terms were 10 % per month. I intended to only have to make one payment before paying them off but I ended up making two, XX/XX/XXXX & XX/XX/XXXX but then I had the funds to pay off the loan XX/XX/XXXX. Because I had to wait for a check to clear I called in to provide my account information on XXXX XXXX, I was given a payoff amount, was told that the funds would be removed in the next day or two and my pink slip would be returned in about 5 to 7 days. on XXXX XXXX I started receiving calls from Wilshire. When I responded I was told by the lady who answered that they had not been able to take the monies owed because I had given them incorrect account information and that I now owed an additional $ XXXX. I told her that I 'd given the correct information and asked why I would intentionally give them an incorrect account number. I also asked why they had n't called me back and at least leave a message immediately upon realizing there was a mistake. I was told that I should 've realized the monies had n't been removed and since I wanted my pink slip it was my responsibility to contact them. I told the lady that I was happy to pay the payoff amount given on XXXX XXXX but no more. Her reply was that was n't going to happen and she passed me on to her supervisor, XXXX XXXX. XXXX initially i.d . 'd himself as being XXXX XXXX for some reason. XXXX then proceeded to intentionally mangle the pronunciation of my last name, XXXX. Then when he reviewed the matter, he also stated that I had given them an incorrect account number. When I rejected that notion he became very condescending and told me that there was a tape of the conversation, that he would listen to and then decided if I had given an incorrect account number or not. I told him that we should listen to the tape together. He rejected that and said that was n't possible. Through out the conversation XXXX was extremely condescending and very unprofessional in that he repeatedly cut me off and talked over me, many times being merely repetitive. He ended the call by saying he would listen to the tape & make his judgement. I did n't hear from XXXX until XXXX/XXXX/15, when I received a collection call. I checked my account & they still have n't removed the funds. I just went through the same initial call that I went through before but with a more polite and professional individual. The results have been the same, he attempted to pass me off to his supervisor but the supervisor was in the meeting. To me it 's very clear what they 're doing. They intentionally wrote down the account number wrong and want to collect an additional few hundred dollars. It 's probably a way they pay their employees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Mortgage (FHA mortgage) with CITIBANK, N.A. (FL).
Issue: Struggling to pay mortgage

Complaint: I was behind in my mortgage with Citibank at the end of XXXX due to temporary loss of income, I talked to them about a loan modification and they put me in a plan. I offered to make partial payments and they asked me not to, that they wouldn't take it. 

The waiting period was for many months, in the meantime they put me in foreclosure proceedings, while they were waiting for the underwriter to make a decision on my modification. At all times they told me to do not worry, that the foreclosure was normal while this process is in the works. 

Eventually in XX/XX/XXXX they modified my loan and ended my foreclosure proceedings. 
I was elated. A few months after they sold my mortgage to XXXX XXXX. 
Since then I've been able to keep my mortgage in good standards. 
Fast forward to XX/XX/XXXX, I am trying to refinance my mortgage with XXXX XXXX, they have been very helpful, I fully qualify for it, but they explained to me that they can not refinance until 3 years after my foreclosure proceedings, and they informed that my loan modification with Citi was for 37 years instead of 30. 
I know Citigroup had other ways to modify my loan and still make a profit, but they chose to do it putting me in foreclosure proceedings and extend grossly the term of my loan to maximize their gains. 
I find this actions despicable. Now I am not able to refinance as soon as I need to, and I was lured to a loan that was not clearly explained to 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 12/28/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: The Bank simply refuses to provide me with an accounting of the total amount due to bring my balance current. I mailed a certified Debt Validation letter to them, and all they will provide is a payment history from XX/XX/XXXX - XX/XX/XXXX, a copy of the Note and Deed of Trust. They will not provide an accounting from XX/XX/XXXX to present at how they arrived at a {$180000.00} amount currently due. They remain in violation of the FDCPA and do n't care. I was hoping to work out a settlement or loan modification with them, but ca n't until I know what the real balance is .... not just an inflated amount they pulled out of their hat. At this point they just want to sell the home, and remain unwilling to comply with the law.

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