milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2017 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am behind on my Mortgage payments, I have had poor-paying jobs for a few years, plus mental and physical health issues. Since end  of 2016,  I have tried to work with the Co, to resolve some title issues on my property. I understand that I have the right to request the complete closing docs, from the original closing ; but the Mortgage Co has been very slow and in-cooperative with my request for docs. Finally, after several verbal requests, I was informed to put a request in writing, which I did.  Now there may be  a  Sherriff 's sale on m y property, while I am still being delayed by the Mortgage Co, over my requests for info. I shall probably go forward with the Dee d in Lieu of Forec losure, since I am running out of time, caused directly by the in-cooperative movements by the Mortgage Co. Please advise if I have any leverage over the  Mortgage co. wa sting so much of my time. I do not have any money for an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit card () with AMERICAN EXPRESS COMPANY (OK).
Issue: Customer service / Customer relations

Complaint: American Express, inquired on my credit report. I sent a certified letter to American Express at their correspondence address advising I did not recall said inquiries or application to Amex for any of their services. I explained if they found I was in remiss to send all supporting documents to me for review. The time American Express is allowed by law has transpired and the inquire remains. I have tried to call several times however, American Express elected not to have fraud in America, in an effort to protect my self from Id theft I refused to provide my social security number to any agents other than those in the U.S. which is at my sole desertion. American Express has informed me that I am XXXX and elected to disconnect several times. Sadly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Student loan (Federal student loan servicing) with ACS Education Services (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX issues. First is I had a debt paid off with ACS over a year ago, last month I got a letter from them stating that they overcharged me XXXX dollars XX/XX/2013 and are now refunding the money. In addition the letter they sent which I will attach, is incomprehensible and makes no sense at all stating some people received more or less money than I did so they are refunding my money. 
The second issue is that account has been closed for over a year and last week I got an email from the company with an access code to access the account, which I did not sign into or try to access, I then logged in myself and it says that the account had just been accessed so it appears they have been hacked, my wife then had a similar email and her loan was paid off a year or two before mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft. I previously mailed this company notification of the identity theft and did not hear a response ( although I mailed it to XXXX and to be fair they were hit by a hurricane a few days after ). I did not live at XXXX XXXX XXXX, nor have I ever. My address at the time was XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX. You XXXX call the XXXX Apartment complex and confirm that is where I lived. I never met or spoke to any representative from XXXX XXXX which is the apartment building located at XXXX XXXX. My apartment at XXXX XXXX XXXX was robbed and my identity documents were stolen. I filed a police report with the XXXX Police Department after the theft. The police report number is : XXXX Several utility and credit accounts were also opened in my name using this fraudulent address. I alerted all creditors who did an investigation and found the accounts were not opened by me and they removed the accounts from my name. I filed an FTC identity theft affidavit to alert to FTC to this fraudulent address being used in my name. Attached to this complaint are letters from creditor & utility companies that used this fraudulent address to open these accounts, my ID and the FTC affidavit. The police report can be confirmed by calling the XXXX Police Department 's automated system and entering the police report number.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (KS).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: My credit card has offered promotional rates on balance transfers in the past, which I have taken advantage of. According to my XXXX 2017 statement under " interest charge calculation, '' I had a {$6000.00} balance at a promotional rate of 0.00 % through X/XX/17 and a {$4000.00} balance at a promotional rate of 1.90 % through XXXX/XXXX/XXXX. My purchases balance ( at 12.65 % ) was {$4.00}. In XX/XX/XXXX, I took advantage of a balance transfer offer on a different card and transferred {$2400.00} of this card 's balance out ( effective XX/XX/17 ). I also made payments of {$98.00} and {$930.00} on XX/XX/17 and XX/XX/17, respectively. As I understand it, credit card companies are supposed to apply payment to the balance with the highest rate first now. When I received my XX/XX/XXXX statement, the promotional rate of 0.00 % applicable to the {$6000.00} balance had been changed, without my request, to XX/XX/17. Almost all of my payments/transfers out had been applied to the {$4000.00} balance ( at the 1.90 % promotional rate through the end of the year. ) I do n't think it 's right for them to manipulate my promotional rates, even by extension, in an attempt to force me into paying more interest. As it now stands, I will be paying 12.65 % on the entire {$6000.00} balance starting in XX/XX/XXXX. This amount should be closer to {$2600.00}. I believe what USAA has done here is fraudulent, and they could be doing this to a lot of people.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2017 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Stolen my information on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: In light of the XXXX data breach, I have made attempts at all three credit reporting bureaus and their services have been unable to process my request after several attempts over the past three days ( XXXX ). This is likely due to the volume of requests.

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 05-02-2017 about Student loan (Federal student loan servicing) with NEW MEXICO EDUCATIONAL ASSISTANCE FOUNDATION (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I am getting calls everyday. I ca n't access my account online, the customer sevicers are rude. My payments do not show on he statements I am given and since I can not login to my account they have made it very difficult for me to keep track of my payments and charge me without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My credit report from Experian has a wrong address listed on my report. I reported that I am not and have not nor never been associated with the address of XXXX , MI XXXX or XXXX. They sent me a report back with the same address listed on my report but with an additional address that is not associated with me XXXX, MI XXXX. They sent me credit report back with the same addresses that are not mine, still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I discovered that the interest rate on our Citibank credit card was increased to 24.74 %. I called and inquired why this happened. Citi 's representative said that we paid 10 days after the due date in XX/XX/XXXX ; it's now XX/XX/XXXX. We've had this card for several years and have never been late prior to or after this single occurrence. Our credit bureau is also spotless, no late pays anywhere. Again, this happened over 13 months ago with no late pays recorded. Citibank said we " were not yet eligible '' for a rate decrease. I've now paid the account to a XXXX balance. This seems predatory. I say this because our credit limit was increased around the same time the rate was -- we are such a credit risk that they increase or limit.

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 05-03-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NJ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX   XXXX   XXXX   XXXX   run  by Comenity contacted  a family member of mine ( my sister ), and gave them all of the details of my debt including how many payments I was behind, how much I owed them, and possibly more that I am not aware of on  XXXX   XXXX ,    2017. I   find this to be completely unethical, and dangerously reckless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tirelessly tried to resolve this matter with this collection company but to no avail. I found this company had reported an account to my credit report which I believed was an invalid debt not belonging to me. I sent them by certified return receipt mail a debt validation letter dated XXXX XXXX, XXXX, which they conveniently ignored. Concurrently when I disputed the item with the credit repositories, I was told that the debt collection company responded back to them affirming that this account was valid. I am appalled that this company continues to violate my rights and refuses to delete the account despite not being able to provide the original debt instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Debt collection (Medical) with Alorica Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Global Receivables Solutions is attempting to collect a debt I have on a medical bill from XXXX XXXX XXXX XXXX, and have been doing so for the past 2 years. 
However, I am already paying this debt back through a different agency called XXXX XXXX XXXX XXXX XXXX, and my account with them is open, in good standing, and has been since XX/XX/XXXX and has not been transferred to any other agency. 
This is the third time Global Receivables has attempted to collect this debt, and the third time they have been able to attach a collection notice to my credit report. 
On Friday XXXX XXXX, 2016 the most recent collection was removed from my credit report after I filed a dispute. However, XXXX XXXX, 2016 the notice is back. 
This needs to be corrected immediately, and I would suggest that the FTC look into this companies practices for debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: {$20000.00} theft at the closing table on XXXX XXXX on a home re-fi by XXXX/agent of XXXX, with an inflated appraisal of $ XXXX for a $ XXXX note, then GMAC took over and raised my payments from {$1800.00} to {$2700.00} BASED ON THE FALSE APPRAISAL. 
Filed lawsuit XXXX in the corrupt XXXX XXXX XXXX, they got a summary judgment XX/XX/XXXX, AFTER THE CFPB-OCWEN CONSENT ORDER in XXXX XXXX. I am still in my home as the note was paid off by XXXX, XXXX and my tender.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Contacted Navient on XX/XX/17 for justification for monthly interest rate increases on variable rate private student loans ( XXXX XXXX XXXX XXXX XXXX ). The customer service representative claimed that the US LIBOR rate has increased for the last 6 months ( XX/XX/XXXX-XX/XX/XXXX 2017 ) and this resulted in increases in the rate. This information is inaccurate. The USD LIBOR rate has not increased every month of this year. Additionally, other instances when the LIBOR rate has changed ( increased or decreased ) the interest rate of the loans has not changed accordingly. These interest rate increases have corresponded with paying additional money towards the principle each month and is suspicious. Further, as soon as these loans were placed in auto debit ( and therefore eligible for a 0.25 % interest rate deduction ) the following month the interest rate was raised to match that 0.25 % decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Credit decision / Underwriting

Complaint: On XXXX XXXX, 2008 the credit market for my MBS contracts/contracted was restricted to the wider credit market by this unknown alleged finance entity on record on my real property credit contract after " Tender '' under Federal law was offered to the unknown party removing them from contract with/for TILA rescission 15 U.S.C. 1635. I have been discriminated against based on my MBS contract to a wider market. This unknown party had to be removed them self 's so Tender could be offered. 
Tender was Offered if the procedures were followed. As such you do not get a House. Tender was offered you have no legal standing after Tender was offered by Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Problems caused by my funds being low

Complaint: I had banked at BB & T for years. Recently for the past 2 years I have been ripped off multiple times by this bank. I had XXXX checking accounts. XXXX with my debit and XXXX that was strictly for paying my bills. I calculated my bills rounded the amount to the next dollar amount and transferred the funds. My account was exact and was perfectly balanced at ALL times. Until XXXX and a charge BB & T could not explain to me occurred. Causing a avalanche of XXXX charges. The banker I was accustomed to dealing with apologized that other workers at the bank could n't play fair? I got no refunds back leaving my accounts both in the negative. Prior to this most recent XXXX from BB & T I would make a online payment for lights, car etc and the money would be in the account, but instead of crediting the funds to my account XXXX they did the debits and payments causing the XXXX fee. I would say that in the past 4 years I have paid over XXXX in fees to BB & T. I was also told by # XXXX banker after going into the local branch to discuss XXXX of the above occurrences " Sorry you got caught in ITS cross heirs! '' Needless to say I changed bankers and have now changed banks. I feel that practices by BB & T are fraudulent and unjust. It also seems it has happened to ALOT of others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Prepaid card (Government benefit payment card) with Comerica (NM).
Issue: Unauthorized transactions/trans. issues

Complaint: Direct Express/Comerica failed to stop an automatic payment I had set up on my account for XXXX XXXX. Direct Express/Comerica then processed another payment from XXXX XXXX after my stop order and is therefore unauthorized. They are now trying to shift the blame to me ( this was not my faulf ) and are refusing to return the money ( {$46.00} ). What transpired in trying to have this corrected is nothing short of surreal due to the reprehensible behavior I encountered. Im attaching a full statement and supporting documentation for my case.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (NC).
Issue: Problems when you are unable to pay

Complaint: I am disputing the credit information being reported on my credit record by : WELLS FARGO DLR SVC/ almost {$5000.00} CHARGE-OFFXXXX XXXX BUREAU XXXX, XXXX are reporting this as an involuntary repossession on XXXX 2015. 
We requested a voluntary surrender of the vehicle as we had a job layoff that affected our monthly income, but they did not provide us with information to do so. They claimed to have sent us the information, but we did not receive it even after repeated attempts and multiple conversations via phone with multiple departments and persons. They finally sent us paperwork and had the vehicle picked up for months later and then reported it as an involuntary repossession instead of a voluntary surrender and undersold the vehicle for less than its current value. 
We had to spend extensive time chasing them down for a voluntary surrender, had to store the vehicle until they sold it, maintain insurance coverage and vehicle tags for four months, and am now suffering defamation of character ( involuntary repossession is totally different than voluntary surrender ). Being a middle-aged, XXXX female, I resent having to call to attention false statements and unethical practices that border the grey edges of legal practices such as this that insult my intellectual abilities, defame my character, and threaten my ability to attempt to reenter the workplace, obtain housing, and/or improve my credit status to better myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2015 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Suddenly I received a letter for debt collection from Paypal. I have no clue where and what type this debt came from. I do not have a Paypal account. Nor have I ever made any transaction via Paypal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried reaching out to XXXX, XXXX and TRANSUNION with regard to multiple inquiries being reported in my credit reports without my permission or consent. I have been unable to get this resolved after multiple attempts to dispute. I have made phone calls, as well as sent certified letters. I have even had to do my own freeze on my accounts until this is fixed! This is putting a significant amount of undue stress on me. Credit bureaus are SUPPOSED to properly verify the accuracy of items listed on my credit report! Please help with this.

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 02-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted twice by representatives claiming to be from Diversified Consultants , Inc. saying that I owe more than {$200.00} to XXXX. These representatives have asked for my credit card information, my social security number and my physical address. I have spoken with XXXX and have been assured that my account is paid in full and that I have not been sent to collections. I have also checked my credit report through XXXX and I have an excellent score. I am concerned that either my identity has been stolen or that the phone calls are pretending to be DCI.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXXXXXX XXXX is reporting a car loan on my credit report that does NOT belong to me. I contacted XXXX XXXXXXXX several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are accounts that are not mine on my credit report. I am being punished for accounts that are not mine but are counting negatively. I have let the credit bureau no and have received no help.

Company response to consumer: Closed with explanation