milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Our Home Loan was sold from XXXX XXXX XXXX to Carrington Mortgage Services on XXXX XXXX, XXXX, to date ( eleven months later ) our account is NOT SET UP. I have not gotten a statement from Carrington since XX/XX/XXXX. 
They have not applied over {$18000.00} in payments all of which were sent via EFT from my Credit Union to Carrington, all of the mortgage payments sent by us ( and by our Bankrupcty Trustee ) have not been applied and are sitting in a suspense account. 
I had to call to get our account number so I could send the payments, then I started calling regularly after two months when we were getting statement showing a huge 'past due ' on our statements. I was told numerous different reasons why my statements showed that way but ultimately I was told that they had a backlog and our account was n't set up and that 's why we could n't access anything online. After calling them for months I suddenly stopped receiving statements ( I got statements from XX/XX/XXXX-XX/XX/XXXX ), when I called to find out why i was told because we were in Chapter XXXX we could n't have regular statements unless they recieved a letter from our bankrupcty attorney allowing it. My lawyer sent the letter immediately, I called a week later and they said they had it but it had n't been 'processed '. I called a month later it still had n't been processed, when I called in XX/XX/XXXX I was told yep it was recieved on XXXX XXXX but not processed but XXXX assured me they now had a dedicated staff to process those requests. A few days after that phone call I got a call back from XXXX telling me that eventhough their system showed they had the letter, they ca n't find it and I need to resend. She gave me an email address to send it to, the email failed. I refaxed the letter using the same number my attorney used. 
I then got a letter in the mail from Carrington asking for my SSN number, not sure how they can have our loan and not know my SSN. Anyway I filled that out and sent it back along with a HARD COPY of the letter from our attorney asking that statements be sent to us. It 's now XXXX and I have n't gotten a statement. When I called to inquire I was transferred around and no one could give me an answer. Finally I was put on hold by 'XXXX ' and then he disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX & XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX {$190.00}

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 01-03-2018 about Debt collection (I do not know) with The CBE Group, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been contacted multiple times in the last two months by a company that identifies as CBE Group. I have blocked their numbers but they continue to call from different numbers. Today, they called from the number XXXX. I called back and a female-sounding voice answered the phone. I asked, " Who is this? '' She responded " CBE Group. '' I said, " No, who are you? '' She responded, " I am a manager. '' I said, " You will not give me your name then? '' I told her that they have been harassing me for over a month, and I understand my legal rights ; do not call my phone number again. 

I have no debt collection that I am aware of. My credit score is in the " Good '' area, I pay every one of my  bills on time, and the only debt that I have is the debt from XXXX XXXX  that I am not expected to pay until I start work as a XXXX XXXX this XX/XX/XXXX. This is harassment, and I expect this company to be held accountable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Conn's, Inc. (TN).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint: In  XXXX  of this year I purchased a new washer and dryer fr om Conns Homeplus a month later the washer stopped working I called Conns regarding my washer has stopped working it took about a week for them to get a technician to come out to my home, then my dryer stopped working and it took a week to send a technician over to repair my dryer. The technician stated the dryer was fixed. A week later the dryer stopped working again. I called Conns again, and asked if I can exchange the dryer for another one. They stated that the technician would have to come out 3 times and tell them that dryer ca n't be repaired. Conns stated that they do n't have a technician and it 's going to be another week before anyone will be able to come out. I bought a warranty for these products and it appears that Conns does n't want to live  up to the contract. I am so frustrated with this company. What can I do to rectify this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$1200.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/XXXX, I pulled a copy of my credit report from TransUnion. There was an account for XXXX / XXXX contained therein. On XX/XX/XXXX, I wrote to TransUnion disputing said alleged account and asked for validation. 

TransUnion failed to respond to said dispute within the 30 day time frame. 

On XX/XX/XXXX, I again wrote to TransUnion requesting them to immediately delete said item since they did not respond to my XX/XX/XXXX letter in a timely manner. 

To date, XX/XX/XXXX, the alleged account has never been validated nor has TransUnion marked my credit report as being " disputed '' ; although, TransUnion continues to report said item.

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 05-05-2015 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Company consistently contacting regarding payments yet are posting payments incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: THIS ACCOUNT IS OVER XXXX XXXX XXXX AND SHOULD BE REMOVED FROM MY CREDIT REPORTS. 
XXXX XXXX XXXX WAS PAID FULL AMOUNT OF {$XXXX} IN XXXX AND ACCOUNT SHOULD SHOW AS SUCH AND CLOSED ( PAID IN FULL ). PLEASE REMOVE THIS HARMFUL FALSE INFORMATION FROM MY CREDIT FILE. 
THIS ACCOUNT IS REPORTING FRAUDULENTLY.

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 10/13/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: There is a third party debt collection company called " General Revenue Company '' that continues to call me, numerous times a day sometimes back to back, concerning a " student loan '' that is roughly 10 years old. They have contacted XXXX or more people who are not family members trying to " get information '' about me. I returned the call and updated all of my demographic information and told them that I would not speak with anyone about this until I receive written correspondence. They continued to call. I called them back today to let them know that they are harassing me and I would be following through with a complaint and XXXX stated that I owe student loans and they will move toward " garnishment '' of my wages. I hung up on them. 
I have a call log and they are on it daily, numerous times a day, even after I requested that they do not call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: im a XXXX veteran, my home has a {$8000.00} foundation repair issue i have been trying to get help from bank of america an the department of veterans affairs, the past " four '' years i have gotten no help from either agency ... ... ... ... .. 

i about to loose my home an they are refusing to give me relocation assistance, to help help me with my move,,,,,,,,, ,my foreclosure sale date is X/X/2018 i have no where to go, i have no help .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX XXXX ( XXXX ) XXXX cell

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 12-12-2017 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have no knowledge of the collection I pulled my credit fill and this collection was listed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Bank of America sent me a letter saying they were closing 2 of my credit cards with them for " Inactivity on this account ''.
These are my oldest credit accounts. I was given absolutely NO warning of this happening and out of the blue my accounts were shut down. Since these are my oldest accounts, my credit rating will drop significantly because of this. Again, I was given no warning in any way or form of this happening. I just got a letter out of the blue saying my accounts were closed.
When contacting the customer service rep about this, I was told there is nothing they can do to activate a closed account. This is absurd. My credit score will fall by about 50-100 points because these are both my oldest accounts. I also bank with Bank of America and have done so for a while. I do n't understand how this could happen.

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 01/29/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Account : XXXX I have a loan with XXXX which I presumed closed and paid in full in XX/XX/XXXX but I come to find out whilst filing my taxes this year that it is still open with a balance of {$770.00} with an extended due date of XX/XX/XXXX. When I made a lump sum payment of {$58000.00} on XX/XX/XXXX, at the time I assumed my loan was paid in full because this was the total amount and even if it wan'ts in full, I would not assumed that Nelnet would automatically EXTEND my due date so that I can unknowingly continue to pay interest until XX/XX/XXXX. Customer service informed me that I paid off the principle balance but neglected the interest, if I would of known I would off paid it off the following month when my statement comes but since they automatically extended the due date, I wouldn't have known unless I received an email stating that my tax documents was ready- which I usually ignore since I know that I paid off the loan in XX/XX/XXXX thus nothing to report on. 

This automatic due date extension is extremely deceptive. You can pay off your total amount due ( or what you presume is due ) but since interest is compounded daily, you actually wouldn't of pay in full unless you call and get the actual total for that day. I never consented to this automatic due date extension. My intentions when I paid $ XXXX in XX/XX/XXXXwas to pay off the total, not to have a lingering amount to help Nelnet accrue interest off me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My American Express credit card number was stolen and used fraudulently for purchases at XXXX different locations of XXXX XXXX in XXXX. I was completely unaware that my card was compromised until American Express finally blocked a card. I follow everything that American Express told me to do : filed a police report, completed a fraud form and submitted it to American Express. After three months of so -called ''investigation '' i received a letter from fraud investigation department stating " We regret to inform you that your claim can not be accepted as a fraud and your account is turned to a collection department ''. On the date XXXX XXXX, 2015, when the fraudulent purchases were made at XXXX XXXX XXXX, XXXX, for {$2900.00} and then again at XXXX XXXX, XXXX, for the same amount {$2900.00}, i used my card in XXXX, XXXX to pay for lunch at cafeteria at the hospital where i work. I would assume that this should bring red flag and prompt American Express to take some action, but no, those charges went unimpeded. After successful shopping at XXXX those criminals had a chicken lunch at XXXX, XXXX and paid with my credit card {$29.00}. Also they serviced a car at XXXX, XXXX, for {$75.00}. Next they waited and used my credit card numbers on XXXX XXXX, 2015 to shop again at XXXX XXXX in XXXX, XXXX, for {$2800.00} and at XXXX XXXX in XXXX, XXXX for {$3600.00}. Those charges went unimpeded as well. On XXXX XXXX, 2015 i used my credit card to pay for parking my car at the parking garage in XXXX. American Express Fraud Investigation Department conducted so called investigation and came to conclusion based on ''history and notes '' that this is not a fraud and therefore i have to pay for fraudulent unauthorized charges on my account which they, by the way, closed and opened another account for 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 monetary relief
Consumer complaint received 06/14/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am in the  Public Service Loan Forgiveness Program . As a result, I was forced to transfer my student loans to the world 's worst loan servicer, Fed  Loan Servicing. I   was approved for the PSLF program in  XXXX   XXXX . I began making and accruing qualifying payments in  XXXX   XXXX  but continued to go to school. I filled out multiple in school deferment waivers during the period for each loan sequence because my current school kept adding loan sequences. In  XXXX  of  XXXX  I put in another deferment waiver for a SINGLE loan sequence from  XXXX  and Fed  Loan Servin g erased all of my qualifying payments for all of my loan sequences and reset them to zero. Of course, I have made multiple calls and been unable to resolve this with the loan servicer because their customer service is horrible, abysmal, and the worst in  America.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (Payday loan) with Enova International, Inc. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Earlier today I received a phone call in regards to a pay day loan from XXXX from Cash Net USA I want them reported. Not only was I disrespected but I was threatened. I was told that I would be arrested at my place of employment within XXXX hours if I did n't pay {$500.00} at that moment. This was after I received a phone call from XXXX and a voicemail message to return the call. The XXXX I called I spoke to a woman I do n't remember her name. She recited to me my email address XXXX of my former addresses and the last XXXX digits of my social security number. She became short with me when I told her I did n't have {$500.00} today that 's when she told me I would be arrested at my job. The XXXX time I called I spoke to a gentlemen who was very rude and threatened to have me arrested after I offered a payment plan option I could only afford {$50.00} and I was told I needed to get back to work and get the money and if I did n't have {$210.00} now by XXXX the close of business I would be arrested after my information was sent to the States Attorney Office. I have no problem paying a debt if I owe. I will not be disrespected or harassed to do so. If these people had my email address how come since XXXX I have n't received an email or anything stating an attempt to collect a debt?? Please report these people. Thanks for reading this email.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (UT).
Issue: Account opening, closing, or management

Complaint: Hi, This is regarding Netspend which offers XXXX dollar bonus to both the referrer and referee when the referee orders a new card and loads it with XXXX dollars. I have referred my wife and she has ordered new card and loaded that card as well with XXXX dollars. However, neither me nor my wife have received any bonus now. I can see online as well that my referral that she has loaded her card. I have contacted at least 10 times to customer services of Netspend and every time they assure me that I will get the bonus by next day but it never happens. We have met all the requirements for the bonus but we have not received the bonus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: I am refinancing a reverse mortgage that my XXXX mother had on her home. The problem is that the payoff quote from XXXX XXXX had a " past due appraisal fee of {$700.00} '' which I and my lender questioned. We both do not know where this fee is from and was told that they are allowed to charge a 'past due appraisal fee '' even though an appraisal was never done by them. After trying to clarify the fee they agreed that is was an error and they removed the fee of {$700.00}. However, by the time this was corrected on XX/XX/XXXX, which the quote was only good through XX/XX/XXXX it was too late and my loan did not fund. So I called the following Monday XX/XX/XXXX to request another payoff quote that was good through XX/XX/XXXX. The faxed the payoff quote on XX/XX/XXXX with the added " past due appraisal fee of {$700.00} again. So, again I called and requested a corrected payoff quote without the {$700.00} past due appraisal fee and was told they would not remove it because they are allowed to charge this fee, which makes no sense. I feel that I am getting deceived by this company. Also, when asked if I can see the so-called appraisal they could not provide one and could not even give the name of the company who did this so-called past due appraisal.

Company response to consumer: Closed with explanation