milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: This concerns Bank of America and my active mortgage there. I have had trouble paying over the past several years. Due to the bankruptcy I filed in 2009, they are not able to give me pertinent information about my loan unless I specifically define what I am asking. In addition, every time I speak to a CSR, I am given the run-around - from additional numbers, to spouting rules that they can not provide a copy of. This has happened numerous times over the last several years, and more recently in the last 6 weeks. My loan is currently in foreclosure, with {$2200.00} dollars in attorney fees ( when the attorneys have only sent me a letter, and filed for a title search ( which is not even necessary in the state of GA ). When I question the fees, I am told I must pay them to reinstate the loan. Since I can not afford to lose my home, I am between a rock and a hard place. 
When I ask who I need to speak with about the fees, I am referred to a supervisor and no one above that supervisor. When I complain, I get a phone call back from the complaint department which turns out to be a " I hear you, and I am sorry '' conversation. 
Different CSRs have given conflicting information, and yet, whomever I am talking to at the moment can only reiterate what is in front of them - which does n't help at all. Bank of America has been a thorn in my side since they purchased this loan from Countrywide. I have had payments returned. I have had payments accepted over the phone for a later date, then the payment not processed, because the loan went into foreclosure before the payment date. I have never seen a banking system more designed for the consumer to fail in my life. The level of customer service is deplorable at best.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX was included in my husband 's bankruptcy case. A discharge was ordered. XXXX forwarded by file to a collection attorney. My attorney wrote 2 letters for which XXXX attorney responded he would withdraw the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. The XXXX, XXXX in the XXXX XXXX stated " They can do whatever they want. She does n't have to follow the rules. I should have been responsible ''. XXXX has my credit bureau noted as collections-charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided and XXXX said " to bad '' that is n't my bankruptcy. I attempted to explain to several employees on several occasion their attorney dropped the case. The response was and is each time I call them, collection can be dropped but they can still report how they want to the credit bureaus. Copies of the letters mailed along with discharge papers will be attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I wanted the correct information listed on my credit report as being paid off on my XXXX. Instead the agency deleted it from my report. And still has the defaulted student loans that I no longer have on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 about Debt collection (I do not know) with AFNI INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This is the third time this company has placed a trade line on my credit report with out valid proof of debt or even proof they are authorized to collect. 

I have requested this information on 2 separate occasions. Once in writing and another by dispute. Both times this company was required to remove this information as they did not provide significant information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Other debt) with GC Services Limited Partnership (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: After receiving a credit alert from XXXX XXXX, I noticed a collection account, from GC Service 's Limited Partnership, that was posted on my credit report. I immediately wrote them a letter disputing it. I have not received any responses from the letters I mailed GC Services Limited Partnership, but I did receive a fraudulent XXXX Statement from XXXX XXXX, who supposedly conducted the investigation, which they changed the mailing address on an account I never opened only because I opened a complaint with the Better Business Bureau. I noticed this because my name was misspelled, or missing a letter, then immediately noticed the address which is my address. I called them on the phone and this is how they knew of my mailing address and they would not provide me the address that was listed on this account they claim I owe. So I believe they took down my information and switched up what was originally on file with XXXX so they can fraudulently claim I owe them money. Why have n't I received any mail before even reporting to the credit bureaus? I have never received anything from GC Services and I had to contact them myself in order to find out what this account was about. I then contacted XXXX who clearly stated that the address GC Service Limited Partnership claims to have on the statement they mailed me is incorrect and I asked XXXX to verify this by sending me a copy of what they did have on file or what they can mail me as proof and I received a statement totally different than what GC Services Limited Partnership sent me. GC Services Limited Partnership clearly provided me a fraudulent statement from XXXX by changing the address on the statement. Please see attached documents. I had no idea that Collection Agencies would go this far as I never had to deal with any before, but lucky me I have a friend that works for a Collection Agency and guided me on how to report bad companies like GC Services Limited Partnership. I hope I do not have to file a lawsuit, but most certainly will if GC Services Limited Partnership continues to report to my credit reports as I never authorized or gave GC Services Limited Partnership any permission to be or report on my credit reports and demand they remove this immediately and remove my name from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Lloyd & McDaniel, PLC (KY).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I had a market and owed XXXX XXXX around XXXX when I had to close the market in XXXX XXXX. I had paid the original invoice down from XXXX XXXX. In XXXX an attorney started threatening me, and took me to court for the debt. I called XXXX, but they had went out of business and XXXX bought their inventory. XXXX is the company trying to collect my old debt to XXXX. Their attorney LLoyd McDaniel took me to court, but could not produce an invoice. I agreed to settle out of court, and pay XXXX to XXXX within one year. I sent XXXX check to them and they cashed it but would n't adjust the amount, and send a receipt, or stay in contact with me. The attorney filed a garnishment on my old bank, but I have XXXX assets, have a small XXXX pension in ky of XXXX monthly and the bank put XXXX. They have now contacted XXXX XXXX Bank after filing another garnishment, and attached XXXX to my wife 's cd, which is her back pay for ss XXXX. Teller XXXX XXXX attached the lien without checking the cd to see that her money is exempt, she had no ownership in my business and they can not legally garnish me on her money. I filled all this information in a few minutes ago, but the computer went down, so you might be able to pull up the completed form. I have asked for a receipt, and tried to send them another XXXX dollars but they refused it because it was on my wife 's checking, but my wife gave me permission, I am her representative, and have to monitor the account for the ss administration so my name is on all our accounts as rep. We need help, we are both very sick, she has numerous XXXX issues, and is now close to XXXX due to having our little amount of ss benefits attached. I am suffering from XXXX, and a XXXX we XXXX stay in the hospital with health problems..This company has been ruthless and has been using the district clerk in XXXX XXXX Ky. as their enforcement arm, even though we had a court signed agreement that I had until XXXX XXXX to pay the money. They are claiming several XXXX more, did n't give me credit for my payment and I have the check where it was cashed by XXXX 's. I only gave in on this because I have XXXX when I leave the house, and I have to monitor my wife constantly because of her XXXX state.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: When I transferred schools Navient took my student loan off of deferment. I was not notified until I received rude phone calls that my payments were several months late. When I told them I was still in school they promised to remove the fees and charges and put my loan back on deferment. They put it on deferment but left the late fees which they are now charging capitalized interest on. Not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I allowed someone to sublet my apartment XX/XX/2013. They did not pay the final amount due on my XXXX bill. A debt collector called me a couple months later and I paid the debt. Today, I got a call from a collector saying I owed XXXX for my debt. I told him I paid it and he asked for proof. I do n't have proof because I was assured that I settled the debt. I paid the XXXX again. I just do n't want this to keep happening to keep ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (FHA mortgage) with loanDepot.com, LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: This is the second email message I have received : Rate Information for XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX via XXXX XXXX XXXX ( 3 days ago ) to me Hi XXXX, New rate information has been posted. 

Please use the link issued below to obtain our new rate and contact us with any other questions. 

Check our new rate in Texas. 

Sincerely, XXXX FHA Rate Guide FHA Rate Guide XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX NY, XXXX This message is not affiliated with XXXX XXXX. 
To stop receiving our emails please unsubscribe. 
I contacted XXXX XXXX XXXX my mortgage lender and they stated this is a fraudulent email that it does not use email messages. I completed the information requested when I received the first email. Upon completion LoanDepot name showed up. LoanDepot has made several attempts to get me to make a loan from it to consolidate bills and I refused. LoanDepot stated that due to my credit score I did not qualify for refinance on my mortgage loan. However, LoanDepot continues to call me via telephone and send bogus emails. I do not know what can be done in this regard. However, any assistance you can provide is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Bank account or service (Checking account) with Empowerment Ventures, LLC (TX).
Issue: Deposits and withdrawals

Complaint: I use Rushcard services for my military XXXX deposit, my money goes in on the XXXX and I try to pay may bills but the card is decline. The card I 'm using expiration date is XXXX. So I call customer service and they say the card no longer works because the new card they sent out came back to them for the wrong address. I tried to explain to them that my card is good til the end of the month but the service rep told me that 's how their system works. Even though I have to accounts with them I still can not touch my money. Now the rep tells me to verify my address so I did, the rep then says the card would be in the mail in 2 days. Those days have pass and still no card because they sent the card to the wrong address again. We are now on day 3 and I 'm told they sent it to the right address and ups got it wrong. Mean while I have XXXX accounts with them and they would not make my money available to me. I have child care, cable bill and etc that are due when due otherwise there are no services. A rep sent me an email at XXXX stating they know how frustrating it could be and I might have a card in 3 to 5 days but if I need my funds immediately to leave them my contact information so I left my contact information and now there 's no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Wrong amount charged or received

Complaint: On XXXX XXXX, 2016 I went to the Western Union @ XXXX XXXX XXXX XXXX, XXXX, GA XXXX ph # XXXX @ XXXX. The agents name was XXXX XXXX who transferred money he had not reviewed the tape yet, therefore, I called Western Union customer service at XXXX from transaction # XXXX for {$800.00} from XXXX XXXX XXXX in NJ. While I was there a female customer was too close for comfort ; so. I turned around to see what she was doing. XXXX XXXX was counting the money so when I turned back around he gave me the money without doing a recount for its trustworthiness. I left the store and went to XXXX XXXX a few blocks away and came home without buying anything. I counted the money the XXXX XXXX had given me which was {$700.00} short by {$100.00}. I called the store back and made an appointment to review the store 's security tape @ XXXX, but due to a transportation problem I need to go earlier around XXXX. XXXX XXXX said no, but he would call me back at $ XXXX. He called me and said he did not review the tape but, would call me the next. This happened again, but he would never review the tape to clear up the error. After least XXXX calls I ask for his manager 's name which was XXXX @ XXXX. He too has given has put- off since XXXX/XXXX/2016. I called today on XXXX and XXXX and XXXX the agent referred me to their website @ https : //www.westernunion.com/us/en/file-complaint.html # GEORGIA to file a complaint by state. This directed me to the Georgia Dept of Banking and Finance more, which redirected me to CPFB.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Trouble during payment process

Complaint: I recently refinanced my mortgage with a new lender on XX/XX/XXXX, and my previous lender SPS , Inc. was paid in full on XX/XX/XXXX. My current city and county taxes were paid by my new lender, and a double payment was made by Select Portfolio Servicing , Inc.. It has been over 90 days for Select Portfolio Servicing , Inc to resolve this issue. I filed a dispute with Select Portfolio Servicing , Inc, and I was sent a letter stating the loan was paid in full and they could do nothing. I received this letter from XXXX XXXX in the Consumer Ombudsman Department at Select Portfolio Servicing , Inc. stating this issue was resolved. I had to contact the tax office for my escrow refund, but they are holding the funds as they can not send them to me directly. XXXX XXXX at Select Portfolio Servicing , Inc. has refused to contact me or the tax department to resolve this issue. I have repeatedly requested a phone call to explain my issue, and could most likely be resolved with a phone call by Select Portfolio Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Other

Complaint: In XXXX, after holding an American Express personal green card for 11 years, American Express solicited me to open a Gold Card account. I was a XXXX at the time, and as most XXXX, ours was run completely departmentalized. All my department 's finances were my personal responsibility. The credit backing for my gold card is mine, not my former XXXX. Indeed, I have n't even been at that firm since XXXX XXXX. Yet I only just now found out that American Express chooses, when there is a company co-listed on the account, to only provide reporting on the company 's credit, not the individual 's. I am and was XXXX. I need that credit history. Nobody explained to me at the time that by opting for the Gold Card they solicited me for, that it would mean I would give up the right to have my positive credit management reported positively on my credit reports. On XXXX for example, age of credit is the SECOND SINGLE LARGEST FACTOR in the score, and here, because Amex chooses not to report the positive credit history on my personal report, despite the full 19 years of the account being 100 % handled by me, personally. It is my credit that got the account, it is my credit that handles the account, and it is my credit management that just got the revolving limit increased by Amex of their own, unsolicited volition, to {$50000.00}. My personal credit score would be about XXXX points higher if they would just start reporting my 19 year positive history. There is no earthly reason for them not to report the positive on my personal bureaus other than their own stubborn choice. There is no law or prohibition, and indeed, would n't it be good public policy for a XXXX person to have both their XXXX and themselves personally get the credit benefit? Indeed, Amex would sue me if I failed to pay, yet they do n't give me the positive reporting for timely paying over 19 years. This is an outrage and a travesty. American Express 's only solution here is to cancel the existing Gold Card account, and have me apply for new credit. Which would FURTHER destroy my credit, because it would comprise both a hard credit inquiry, which would bring my score down, and it would comprise a brand new, one month old, not nineteen year old, line of credit, so it would make the average age of my credit even more artificially young than it already is with them giving no reporting at all on my private report. This has got to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Data Breach at Equifax. Flawed and haphazard financial system where the " plumbing '' consists of multiple for profit and lightly regulated companies opportunities acquiring our data only to handle it irresponsibly while daily selling elements of it to the highest bidder. We receive no compensation in return, but essentially, our private data is the " product '' these outfits monetize o a daily basis and it adds up to billions of dollars a year in revenue for them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (WI).
Issue: Loan modification,collection,foreclosure

Complaint: Could not afford modification terms so I filed for short sale and received an offer. The mortgage company denied the offer and now I am not getting any offers, I changed the paperwork to deed in lieu of foreclosure and have been calling the company XXXX week to find out what the status is. I am being told I am not able to talk to the correct department because my file is closed. I have been kept on hold for up to an hour well a different department tries to figure out what they can do to get this file going. No one know what to do or where to send me and I keep getting transferred to other areas or disconnected only to call back and start all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Credit card debt) with Recovery Management Solutions LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX from prelegal office for covering management solution has called SEVERAL TIMES. Every time he has stated we have to call back by end of business today and in addition when he talked to my husband he told my husband that they were going to garnish his wages, and seize his vehicles. There was never a lawsuit filed. We have NOT received anything via Mail, just harassing phone calls. I called him back and he told me it was a recorded line and I asked him if he had a judgement and he said no I told him that he has not sued us and he can not threaten us like this and he preceded to talk over me and told me to visit their website.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Medical) with Firstsource Advantage, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For months I have written One Advantage collection company, requesting a validation on debts they have issues on my credit report. They have issues a total of XXXX accounts ( # 's XXXX,XXXX, and XXXX.Please have this company validate these account and inform me of their finding.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation