milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Settlement process and costs

Complaint: I got a divorce in XXXX, I was unable to afford my mortgage. I applied for a program called making homes affordable and was accepted. All documents needed where returned to Bank of America as requested multiple time before the deadline as requested. Multiple loan document packages where sent and returned as many as XXXX. I was told my ex-husband did not need to sign the documents as long as I sent a copy of the divorce and property settlement as well and the deed, all of this was sent to Bank of America, but the packages kept getting rejected because my ex-husband had not signed, so with great difficulty I got my ex-husband to sign the papers, but low and behold the documents were allowed to expire by Bank of America. I had to get him to sign the documents three more times after that. Finally XX/XX/XXXX my loan entered an normal loan status. I was notified by Bank of America that all was complete. I was also told after six months this should reflect as a normal loan status on my credit, which would have been in XX/XX/XXXX. I thought all was finally resolved. I recently tried to refinance my loan in just my name and was told that my loan is being reported as making partial payments and not in a normal loan status. I contacted Bank of America and now they are saying they need another loan packet agreement, that the loan is not in a permanent loan status.This has been going on for five years now. They have also been sending me conflicting tax statements for the last four years. This program by XXXX was meant to help people not hurt people. Please help me resolve this issue that is ruining my credit. Also there was an incentive of XXXX dollars per year for every year you make your payments on time. I have never received any incentive payment. All of this must be illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Debt collection (Medical) with Account Resolution Corporation (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company Account Reoslution Corp in XX/XX/XXXX concluded via a dispute directly through XXXX and XXXX that this debt was invalid and removed it from both reports as of XX/XX/XXXX. On XX/XX/XXXX this account was reinserted to my XXXX report, reporting a balance of {$260.00} which is not my debt. I also was not notified of this debt before it was reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XX/XX/XXXX and XX/XX/XXXX, I XXXX XXXX XXXX, had reported fraud to all XXXX Credit Bureau. Someone got a hold of all my credit cards and social security number, and was purchasing things in my name. XXXX XXXX XXXX is not my debit. This has been ongoing for 9 years now. If this was my debit I would have no problem paying it, but this is not my debt. Can someone look into this so I can put this behind me? At the time that this happen in did n't know I had to report this to the police and get a police report. I went to apply for something and when they rejected me I asked them why and they told me I had too many negative things reported on my credit report. When I told they what happen they asked me do I have a police report on this, and I said no they told me I should have report it and I did. The law office was provided with old credit report to show that I had a fraud alert on my credit and I also provided police report to both XXXX, XXXX as well as the law office involved in the case. XXXX XXXX XXXX from XXXX in XXXX is my financial counselor helping me ; her phone number is XXXX, you have my consent to discuss the matter with her.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Medical) with Firstsource Advantage, LLC (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A company is trying to collection many medical debts which are also listed on my personal credit file. I have requested several times for verification which this company will not furnish a signed authorization allowing medical bills obtain. They just furnish a statement which proves nothing. I asked to validate the numerous listings on my personal credit file and again all I receive is statements. Years ago many years ago I did have a bunch of medical bills but were taken care of years ago. Is n't there laws on validating a debt a collection agency is trying to attempt to collect? I know that every time you go to the doctors and or hospital they have you sign an authorization form. Please help assist me with these. There are a total of XXXX listed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I received my credit card statement today, and noticed that the minimum payment due had increased by 5 %, rather than decrease as anyone would expect ; given that there were no new charges, late fees, or APR increases. I called the company and was told that it was because I had only made the minimum payment due, which is mathematically inconceivable : If the interest does n't change and the balance is reduced, the payment due should be reduced too. I spoke with a supervisor who did understand that something was irregular about the situation, but did n't have any way of correcting it immediately, she said she would bring it up in their next meeting. This does not help me or the XXXX people, rich or poor, that are being subjected to usury credit card formula 's by Synchrony Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Their customer service would not help and take care of the negative inquiries reporting to your credit report. 

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 XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This letter is regarding account #  XXXX , which you claim I owe {$1200.00}. This is a formal notice that your claim is disputed.  <P/> I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have  XXXX  or ever had  ) so me contractual obligation to pay you.  <P/> Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX   ) from y our company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDC PA 807 [ 15 USC 1962e ] ; ther efore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.  <P/> Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.  <P/> Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for  : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection   Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.  <P/> For the purposes  of 15 USC 1692 et seq., t his Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.  <P/> Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.  <P/> Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Settlement process and costs

Complaint: Selling my house, got XXXX payoff statements from Bank of America and XXXX verbal amounts. All amounts agreed. This loan was modified XXXX. I asked if there was an additional outstanding loan. I was told no by XXXX BOA employees. I was told everything was rolled into the modification. The closing on the sale of this house is XXXX XXXX, and in the title search, BOA stated there was a {$22000.00} balloon payment due HUD. They would not provide title company with how to pay this off, nor contact information, nor documentation. I have never received any documentation on this loan. I was assured XXXX times ( XXXX verbal, XXXX written ) this loan did not exist. It did not show up on my credit report. I have no documentation for this debt. BOA refuses to give validation of this debt. I began this process 4 months ago, and now with just over a week to closing BOA now says there is another loan against this property. They kept the title company representative on the phone for an hour saying my signature was not valid and they would not release information to the title company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Phoenix Financial has repeatedly called and harassed me via phone. They call from a XXXX number no less than 4 times a day, without leaving a voicemail. I first received a " bill '' from this company on XXXX XXXX, 2017 on behalf of XXXX for a debt that XXXX themselves cleared with the original debt with both myself and the initial debtor, XXXX XXXX XXXX. Ii contacted the company with this information as well as supplied sufficient information, yet the calls have continued as well as placing a fraudulent claim on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We rented an apartment on XXXX XXXX XXXX XXXX XXXX # XXXX XXXX mn XXXXWe were XXXX people and we paid the rent on time until we moved out, when we moved out they found few damaged things on the kictchen and they wanted us to pay {$710.00} dollars and they all refused and they went ahead and put all this money on my credit alone, now am trying to rent aplace and this credit agency by the name hunter Warfield phone XXXX they are threatening me that l alone am responsible for this amount, why do n't they give my share since we were XXXX people who used to live on the apartment, the manager of the property as said he as nothing do do with this amount and they have spoken to the place a want to rent because I was a good tenant and they have refused. This is not a good business act to me, they are acting rude to me and punishing me .I need help so that this thing can be removed from record

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 12/21/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: After three attempts to provide me with a bed mattress that worked for me, XXXX XXXX agreed to issue a full refund for the purchases to the lending agency they offered to me. 

I have been going around for several months between XXXXXXXX XXXX anXXXX XXXX  XXXX about an unresolved credit refund issue. 

XXXX XXXX says they issued it, XXXX XXXX says they never received it. 

I get nowhere with either company and can not find anyone who can help me get the two communicating to resolve the issue. 

I am receiving threatening letters from XXXX XXXX now about being turned over to a debt collection agency for a balance that XXXX XXXX says I do not owe. 

I have never had even a blemish on my credit history before dealing with these two companies and I want some resolution.

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 05/17/2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: when original note are challenge to provide original black ink sign at the time closing, the co-conspirator XXXX, JP Morgan bank of new York debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX forge the note just like a criminal will forge a check the co-conspirator XXXX, JP Morgan XXXX XXXX new York debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have spoken to Transuion about XXXX different hard inquiries on my credit report. They do n't seem to want to help me when I have asked them to provide paperwork or start and investigation to those inquiries. For example I had one XXXX XXXX XXXX Credit card ( which I have closed now, ) however, I have XXXX hard inquiries from them on my file which is outrageous. The customer service advisor and his supervisor were extremely unhelpful and would not assist me.
Below are the following listings : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Utilities & Fuel ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX  XXXX XXXX XXXX Inquiry :XX/XX/XXXXBank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (NC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: When I was relocating from XXXX to XXXX, I called XXXX XXXX to inform them I needed to cancel my gym membership. I was told to email a check stub as evidence of my new address. Well I emailed the check stub and a signed later from my supervisor confirming my new address and job. The documents were sent to XXXX @ abcfinancial, but I never got a response. I found out some time later than I was being charged still after I already left XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I hold both private and federal student loans with Navient ( formally known as XXXX ), I originally borrowed close to {$65000.00} at about 7.1 % interest for a masters in XXXX at a graduate school named Oregon XXXX XXXX XXXX XXXX. For 6 years after graduating I was on an Income Based Repayment plan ( IBR ) as I could not afford to pay large payments. As my income improved I decided that I could afford more and wanted to pay my loans off in 10 years. So, I called XXXX XXXX and asked the best way to proceed. The agent on the line told me to let the IBR lapse, that my account would default into a 10 year repayment plan, and then to start paying what I was billed. Immediately, after my IBR lapsed my 'interest was capitalized ' which ballooned my owed principle to over {$90000.00}, I was NOT informed previously that this would occur. Also, my monthly payments went from {$0.00} to over {$800.00}. Sometimes I pay double to try and pay my loans down faster but it hardly makes a dent. After noticing this I again called then Navient ( XXXX ) to inquire why the payments were not going farther and also asked what repayment plan I was currently enrolled in? After 3-5 confusing conversations I was told I was NOT on a 10 year repayment plan but a quasi- IBR plan in which I would be lucky if I was paid off in 25 years. I was extremely surprised, stressed and frustrated! And asked, " if I was still on an IBR plan how come my interest was capitalized and how come I was not on a 10 year plan like the original agent had told me? '' The answers were ( are ) unclear and I feel extremely mislead and taken advantage of by the Navient agents. I continue to pay {$900.00} a month which is {$100.00} more than they are billing a month, but the principle does not seem to reduce very quickly? I will call them again soon to ask to be re-instated on the original IBR with lower payments. I am hoping your agency can help investigate to uncover the wrong doings!

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed this fraud account that is being reported on my credit report to Experian account XXXX XXXX for an amount of {$160.00}. I also provided a police report and a Federal Trade Commission Identity theft report showing that this account is fraud and does not belongs to me. Experian performed their investigation, and responded back to me stating that my ( MAILING ADDRESS IS INCORRECT ) ; yet they mailed me the notification to my address and ignored the issue that fraud is being reported on my credit file. 

Experian ignored my notification that this account being reported on my credit file is fraud, and the copy of the police reports and Federal Trade Commission Identity theft 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 01/23/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I got a notice from XXXX XXXX stating I owe a debt. The original creditor was XXXX XXXX. 

I explained to XXXX XXXX on more than occasion that I did n't have a XXXX account and never have I ever had a XXXX account. 

This has been going on for about a year now. I reach out to XXXX XXXX and explain the situation. They did an investigation and found that what I said was the truth. 

They send me there finding from that investigation, and I sent the same letter to XXXX XXXX proving that I had nothing to do with this account, yet they refuse to remove this negative account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Midland Funding has XXXX judgements that are liens on my clients ' properties. I have short sale contracts for these properties. I need to clear these liens so I can close. However, Midland said that they can not release the liens because of a pending agreement with the CFPB. They refuse to discuss any type of negotiation regarding these liens. In fact, they refuse to discuss the liens at all because of the CFPB. I need help because I need to get these liens cleared so I can close on these transactions. Time is of the essence because the buyers want to close or they are going to back out of the sales. ( The communication problem is that Midland WILL NOT communicate. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted transunion to get hard inquiries off my credit report my ex wife was doing and the8. 
XXXX XXXX XX/XX/XXXX 9. 
XXXX XXXX XXXX XX/XX/XXXX 10. 
XXXX XXXX XXXX XX/XX/XXXX 11. 
XXXX XXXX XXXX XXXX XX/XX/XXXXy would not remove it an neither would the company. 

XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to modify my mortgage with Citimortgage for 5 years. They have never turned me down for a modification. I have submitted complete paperwork per their request over 15 times. They tell me my paperwork is with underwriting. After a few weeks, they request more docs. After I submit those docs, they assign a new loss mitigation specialist to my case and the process begins again. They never inform me that the modification has been accepted or denied. They have now sent me a sale date on my property while I am still in underwriting for modification. To my understanding, this is dual tracking. They have also not exercised reasonable care to obtain docs and have never informed me whether or not my modification ever officially gets denied or approved. I am trying to get the sale stopped while I am still with underwriting but nobody will help me. The sale is shceduked for XXXX/XXXX/16.

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