milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2016 about Debt collection (Federal student loan) with TRANSWORLD SYSTEMS INC (ME).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My complaint is against NCO Financial, formerly XXXX. Enough months ago to have cleared up this matter BEFORE losing my tax return, my husband received a phone call from NCO. They identified themselves, and made it known that I had about {$6000.00} in student loan debt and they were looking to collect on it. My husband informed them that I had been paying on my debt to rehab it and things turned sour there. He asked them to please not call again. The next day we received another phone call from them, to which my husband was told what I owed and it was an attempt to collect the debt. Things got even more sour and they were told to not call again. This company has my address on file, I had to verify it upon my phone call today to find out why they had taken my student loan with out given me written notice of my debt. I was not able to obtain any information only told that they can help me clear up my debt by making an arrangement. I never at any point prior to today 's conversation was made aware in writing that I owed a debt. I am filing this complaint today because even though they made a phone call and divulged my personal information to someone who was not authorized to have that information, they have not sent me, in writing, notice of my debt and subsequently took my tax return, without giving me ample opportunity to made good on the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed XXXX items with XXXX, they did great and took care of me. They were adequate and thorough. Although, Experian and XXXX will not remove what XXXX removed. I will attach all documents involving my cases in XXXX. I attempted to call XXXX and XXXX but I need to buy XXXX credit report first. I used my annual free credit report and called. They said it has already been disputed and those were the final results. I am asking you for help to remove my negative accounts when I am paid as agreed and to completely remove XXXX because of my separation agreement and final divorce decree naming XXXX ( ex husband ) the car, also stating he is solely responsible and has been since XXXX of 2013.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Had my mortgage refinanced through a modification program. Received the new payment amount and schedule and made the first, and all subsequent payments, in full and on time per contract. The company has reported the first 3 payments 120 days to all XXXX credit bureaus. I have filed several disputes with supporting documents and ALL have been denied and this company is unwilling to remove the negative marks from my credit. The payments they are claiming 120 days past due were all paid ON TIME and in the FULL amount owed. Please see all attached paperwork. I am filing in hopes that my credit report will be updated with the correct and TRUE information that I NEVER made a single late payment to this particular mortgage creditor. It is greatly and negatively affecting my credit score with false late payment information.

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 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax is reporting  XXXX   XXXX  as a duplicate account already paid and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is reporting this account as charged off in a chapter XXXX bankruptcy and the account as closed. This account was never included in my chapter XXXX and was paid on time on the outside of chapter XXXX. The account is open and being paid in a timely manner as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Mortgage (Conventional fixed mortgage) with PULTE MORTGAGE L.L.C. (IN).
Issue: Settlement process and costs

Complaint: I was asked to close on the house when there was still an outstanding issue with outside bricks. There were too many chipped brick installed. A stain was used to match the chipped bricks which made things more worse. I was told that they would take care of the issue after closing. It 's been over two months after closing and the issue has not been resolved. Now, they have told me they ca n't do anything about 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 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX and XX/XX/XXXX XXXX charged me for an item I never received ( a hot spot, now called mobile data device ). I communicated with the XXXX representative, XXXX, and he acknowledged that it was an error by the company ( see attached letter ). However, the charge was never removed by the company. XXXX eventually referred the case to a debt collector Convergent, which has negative impacted my credit score. Even after my attorney sent them a cease and desist order, they continue to dun me for an item I never received or used.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I need to refinance my home to cash out and pay some loans. I was asked to do an appraisal which I did and was told everything shout be fine. this started in XX/XX/2017. I provided them with all the documented required for refinancing. the appraiser came to my home but did a drive-by. today they lady called me and said that they won't go forward with the refinance and didn't explain to me why i very disappointed in navy. with the way, I was dealt with my case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: InXX/XX/XXXXI bought my 1st house with Countrywide Financial Mortgage Co. As well known litigation XX/XX/XXXXallowed me to refinance my house with BofA , HARP program staid no closing cost, but I was charged the closing cost that was added to my outstanding balance. That time one benefit was no appraisal required by BofA. I asked BofA remove my PMI monthly payments, but they rejected my request. I paid PMI sinceXX/XX/XXXX {$98.00} x 12 month x 11 years = {$13000.00}!!! just PMI!!! beside interest ( 4-6 ) % on top of this.XX/XX/XXXX, last year, I asked BofA calculate for me how much I have to pay down to avoid PMI, that really unfair charges that sound like penalty to the first time home buyer!!! instead of benefits I got penalty!! Well since that BofA replied my with the general letter. I went twice in local branch : XXXX XXXX XXXX XXXXKS XXXX, tel XXXX. XXXX XXXX /NMLS ID XXXX/ and he was not able to tell me exact amount of pay to avoid PMI. I decided make own calculation. I borrowed $ XXXX from BofA, my resent balance $ XXXX, then ratio is 82 % ( XXXX:XXXX ) O.K. the general letters said my ratio need to be at least 80 %. Well, I paid down other $ 20K. Now my balance is below $ 100K, compare to borrowed amount $ XXXX it is 68 %. If take for consideration XXXX COUNTY APPRAISER 'S my house market value {$170000.00}, and the ratio will be 58 %. But BofA refused to accept XXXX COUNTY APPRAISER and force me to do an appraisal from they list that cost me $ 500- {$600.00}!! why do I need trough my money UNNECESSARY to somebody instead of to make payments against my principal? Why BofA was able refinance me in the first place without appraisal, and refused now?? I see only one answer : GREED!! the vain hope of finding work.

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 06/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (WI).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: This was a debt incurred by my ex wife. She used my name to secure this credit. I have other debts she created including her divorce attorney debt that I got stuck with. I am just trying to rebuild by life and credit.

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

Complaint: My personal information was stolen during the Equifax security breach. This is unacceptable, they need substantially better cyber security.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I submitted a complaint to the consumer finance protection bureau on XXXX/XXXX/16 ( complaint number XXXX ). The complaint was regarding airline miles for a checking account sign up bonus through Citi. Citi responded to the complaint on XXXX/XXXX/16. In response to the complaint, Citi agreed to honor the XXXX XXXX XXXX miles that I had been told by their representative I was entitled to. In their response, they indicated I would receive the miles within 60 days. 

It has now been over 60 days, and I still have not received the miles. This was the third time Citi agreed to provide these miles ( initial sign up, as indicated by a representative, and indicated through their complaint response ). It has been over half a year since I was originally supposed to receive the miles. 

Citi did not hold up their agreed upon response to my original complain, so I am opening yet another complaint.

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 10/24/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (KY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XXXX/XXXX/XXXX I paid Santander, via XXXX certified check, {$1300.00} to close my automobile loan account # XXXX. On XXXX/XXXX/XXXX, a recurring withdrawal in the amount of {$240.00} was debited from my XXXX account and posted to my 'closed ' Santander account. On XXXX/XXXX/XXXX, XXXX credited my checking account {$240.00}, pending investigation. On XXXX/XXXX/XXXX, XXXX reversed the credit to my checking account. When I inquired, I was told by a XXXX customer service representative that a representative from Santander confirmed the charge as valid. Since, XXXX/XXXX/XXXX, I 've spent hours on the phone with XXXX and Santander to correct this situation to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (VA).
Issue: Shopping for a loan or lease

Complaint: Misleading and deceptive use of XXXX services to induce customers to buy or lease Lexus automobiles by Lexus Financial Services by promising XXXX months forgiveness of lease payments if a new vehicle is lease or purchased. While they encourage buyer to continue to make payments and providing written assurances that the coupon mailed is valid until XX/XX/2017. Not so and thus consumers are being double charged for XXXX or more monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Us B ankruptcy  XXXX  I went to the courts they have nothing matching my social security. They could n't give me proof because they do n't report to the credit bureau. They told me they could not help because they do n't have any record for me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Other debt) with Michael Harrison, Attorney at Law (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: It all start calling me late in night and saying I Have to Pay this bill or it will get reported. I Told them to contact my lawyer and Michael Harrison reject my lawyer because he do n't have a licence of New jersey.
So then my lawyer told me that my case is not worthy for him and he quite my case.by this time I have only 60 day left to get reported to credit agency.
After my lawyer did this to me I contact Michael Harrison and inform them that I will contact my insurance and they will make a payment. 

I email XXXX a lady work for Auto insurance company. and told her all this. she made payment but there were two codes that was not paid. Now at this point they start sending me bills as a new account. mean they restart my 90 days period. 

so after receiving another paper form Michael Harrison saying its my first warning and I have 90 days to pay off the rest amount I contact them and ask what is the issues they explain me that there is still money left on account.so I contact my insurance lady again and she made the payments and everything was clear. 

after all this done. 6 month later I find out that Michael Harrison report to my credit that I owe them 900 something. 

I call then again and The manager call rude and said mean things and say she cant do anything even when she is wrong. they want me to fix it by reporting to some agency. 

I have all the bills and emails saved please help me to stop these people hurting American tax pay citizen. 

Please help me and give me justice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2017 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Struggling to pay mortgage

Complaint: I have tried to do a harp refi because I want to stay in my home, however each time I tried this bank of America has lost, not received or time has ran out to proceed. Out of 5 times I have tried to get help they came back with short sale or deed in lue. the first time I had to have XXXX and was out of work for 8 months I begged and borrowed to make my payments till I got back to work. I recently had XXXX again and also had a XXXX XXXX all with in the same month. I tried to refinance with my local bank but due to my filing of XXXX XXXX they were unable to assist. it seems like BofA does n't care about there clients unless they are elected persons that will give them special perks. if paperwork is needed to verify my medical conditions that I have told I will provide, except for the first XXXX which my house burned down in 2012 and I lost all that paperwork, which brings up another problem with this company when I was rebuilding it took this company 4 months to release the funds to finish paying for new home including speaking with my state senators and representative and manufacturer all speaking to this company to get them released.

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 11-04-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am XXXX and I receive SSI social security benefits in the amount of {$730.00} per month. Prior to becoming XXXX I had about {$54000.00} in student loan debt that was in good standing under the income based repayment plan. My payments where XXXX dollars per month. I could have left them like this indefinitely. Several years ago, the federal government changed the rules on how student loan debt can be discharged and I was encouraged to apply as I was eligible under the new rules. My credit score was XXXX prior to applying for this relief. I was granted the discharge and my credit score went from XXXX to XXXX overnight. I was aware that I would incur a tax liability for the XXXX debt and I am OK with this. I was not informed that my credit would be destroyed in the process. This has happened to hundreds if not thousands of XXXX people who have sought and received this " relief ''. Furthermore, this is not happening to everyone who applies but it is to many. It appears that it may depend on your loan servicer. Mine was NAVIANT. The legislative intent of the rule change was to help relive XXXX and poor borrowers of debt they will never be able to pay off, not to destroy the credit of people already under significant financial pressure. I was encouraged by XXXX to take an action to destroy my credit without being informed of this. I did research the topic and did my due diligence but as I said it appears that this depends on the servicer so you can not get consistent information to make an informed decision. I contacted XXXX and asked if I can undo what I just did and they said I can by sending them a statement but I have no guarantee that my credit will be restored to its prior standing before this occurred. I can see a scenario where I re-assume this debt AND my credit remains destroyed. So, I am stuck. This is unfair. IT violates the spirit and intent of the law. It is also not uniformly enforced and is thus dissimilatory since it depends on what servicer you were fortunate enough or in my case unfortunate enough, to have. We all know how vital good credit is today. You need it to get and maintain housing and should I ever be able to again, returning to work. I was led to believe this was a good move to make. It has been the worst decision that I have ever made. Had I been informed of the implications of this I would never have initiated it in the first place. Because my loan was in good standing prior to all this I could have let it stay this way forever. The net effect of this decision for me, at the end of the day, was to destroy my credit. Nothing good has come from this. This is even happening to veterans who are XXXX and seeking this type of relief. This is unfair. I am not the only one. There are many of us in this situation. Can you help me to right this wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (I do not know) with LAW OFFICES OF CRYSTAL MORONEY, P.C. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX XXXX I received a notification from XXXX XXXX stating that I had XXXX new collections reporting on my credit report from XXXX XXXX XXXX XXXX stating they were all opened in XXXX XXXX. I have no knowledge of this debt nor have I ever received any written notification, phone calls, or proof of the alleged debt.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed some unauthorized and unknown inquiries on my credit report. Please remove these unauthorized inquiries because they are negatively affecting my credit report. The unauthorized inquiries are : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/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 08/25/2016 about Debt collection (Medical) with American Collection Services, Inc. (OK, TX) (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had insurance at the time along with Medicaid. Medicaid paid bill in full except {$3.00} which is my portion.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (TX).
Issue: Fraud or scam

Complaint: Hello, I attempted to purchase concert tickets to a XXXX XXXX concert in XXXX, Texas on XXXX/XXXX/XXXX @ XXXX PM. I responded to an ad on XXXX as someone was selling their tickets at face value. I was communicating with the person via text and they stated that they would send the concert tickets, once I sent a qp ( qualified payment ) via XXXX. I was immediately suspicious and called XXXX XXXX XXXX ( XXXX ). I asked if I would be protected if I never received my concert tickets. The XXXX rep stated that I had two hours to cancel the transaction, so I thought I was protected. I sent {$240.00} electronically to the seller who had a Wells Fargo Account. I transferred the money using XXXX, which was recommended by the seller. Once the money was sent over, the seller stopped all communication with me, and the tickets were NEVER sent. I immediately called XXXX back and was told the seller picked up the funds and there was no way for me to cancel the transaction. 

I opened up case # : XXXX with XXXX ; however, I was horrified to learn the that Wells Fargo would need permission from the seller to take back the money, that was stolen from 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 non-monetary relief
Consumer complaint received 08-12-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: Macy 's credit card did n't make any investigation on a dispute charge and add up late fees.

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