milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2015 about Mortgage (Home equity loan or line of credit) with Madison Management Services, LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I currently own my home at XXXX XXXX XXXX XXXX, XXXX, AZ XXXXIn 2010 I filed Chapter XXXX and choose to keep my house. I had a XXXX and XXXX mortgage which I choose to service at the time and attempt to modify. My XXXX mortgage was successfully modified but the XXXX with XXXX XXXX Mortgage was not. They sold the loan during this process to XXXX XXXX. I could not come to terms with XXXX XXXX and as I understood it was discharged in my Chapter XXXX bankruptcy as shown on my XXXX credit report. That was in 2010. 
Recently, Madison Management LLC, from my understanding has purchased this old debt and is now trying to collect. They are doing so by foreclosing on my home. My research has brought me to the conclusion that this debt was purchased for pennies on the dollar. So not only is Madison Management, in my opinion harassing me on a Chapter XXXX discharged debt, but also have exuberantly inflated the amount owed. I 'm not sure if these strong arm tactics are legal because of my Chapter XXXX bankruptcy, and if it is legal, im not sure if this inflated debt owed is legal. In a settlement letter from Madison Management, they openly admitted that this debt was purchased at a discount and then a few sentences later say I owe approximately {$55000.00} when the original debt from XXXX XXXX was only {$36000.00}. Please help! Please let me know if I have a valid reason to stop these foreclosure proceedings. I am in good standing with my first mortgage company and also so you know, my home is still " underwater '' in value. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: A loan was supposed to be placed in in-school deferment and was not, despite assurances from Navient that the loan qualified. I contacted Navient both through their online form submission system, and via phone call prior to or shortly after enrolling in my final classes for graduation XX/XX/2015. ( In school period was XXXX 2015 through XXXX 2015 ). It was then reported delinquent to credit bureaus and has destroyed my otherwise good credit. I have a long history with student loans through XXXX XXXX / Navient and have had a great record of payment. I have attempted getting this resolved through Navient and have been told incorrect information, had the phone call disconnected, not received return phone calls or emails, and have had a dispute outstanding with them for over two months. Most recently I was transferred to work the dispute with their customer advocacy team and have experienced the same slow and lacking communication, no follow up on their promised deliverables or timeframe, and a complete misinterpretation and misrepresentation of the initial dispute I filed with them. This is causing extreme financial hardship as I have sold my home and am unable to qualify for a new mortgage because of the incorrect delinquent reportings on the student loan accounts. It has also caused financial hardship to the co-signers on those student loans. In addition to the in-school deferment issue, there was also an issue where several requests for due-date changes were never applied to the account thus resulting in additional delinquency reportings despite my best efforts to keep the account current. When the account was transitioned from XXXX XXXX to Navient is when all of the issues began occurring. Nearly every phone call I attempted to make to Navient at the start of the issues was transferred several times, often the call was disconnected, and I was provided incorrect assurances in several instances. I have never experienced a company so misleading and difficult to work with, and have never experienced so many technical and phone system issues. It is terrifying that they are in the student loan business. They have destroyed my credit, and I will be without a home and with no means of getting a loan in three weeks because of their inaccurate information and lack of responsive and responsibility in handling the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: In 2017, Best buy charged me the full interest for 2 item amounts that were interest deferred : Total ; XXXX $ All interest rates across all charges/promotions were the same All payments were applied to regular purchases, even in the 2 billing cycles leading up to the period when the deferred interest expired. 
After that month, my interest rate increased by 1 % across all charges without notice. 

I noticed this in XXXX before XXXX and called Best buy rep and complained asking why payments were never applied to the deferred interest promotion. Rep said that payments are always applied to the highest interest rates yet, my rates were all the same. I became frustrated asked for 3 years of statments then canceled my card.

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 03/20/2018 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I made an agreement with the XXXX XXXX courts to payoff amount of XXXX dollars to XXXX XXXX   XXXX in XXXX Arizona who was representing XXXX XXXX of XXXX XXXX, CA. I agreed to pay XXXX dollars biweekly which I did and paid of and settled the account XX/XX/XXXX.  XXXX still shows a balance originally of XXXX dollars which I paid XX/XX/XXXX whci was my last payment. Then on XX/XX/XXXX XXXX increased the amount owed by XXXX dollars. I called them to ask them to remove the collection off my account and it is still on the report. They promised to remove it by XX/XX/XXXX and it is still there. They have been very difficult to work with and hard to understand. I just want this paid off collection to be taken of my report I am trying to buy a house and I did do my due diligence to pay my debt they should remove it a timely manner.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, an Auto dealership ran our credit to finance a new wehicle, I asked the dealership not to run our credit more than once, and only to a bank we have done business with for many years. But instead they ran it through XXXX different banks, My husband and I have been married almost 30 years and have excellent long term credit and have only lived in 2 locations. Anyway, we received 4 letters from different banks denying our credit, but one of them stood out because it has an agency listed on it we have never heard of, SageStream , LLC, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. They stated no score for my husband and one over 200 points lower than my actual score and stated, 1. limited history for consumer at address or phone ( present add. 11 1/2 yrs, same ph. # for same. 
2.limited credit history 3. Proportion of satisfactory trades too low??? 
THERE NEEDS TO BE ONLY ONE CREDIT REPORTING AGENCY

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 07/21/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This is a formal complaint against SouthWest Credit Systems, located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable collection account on all 3 of my credit reports and not to mention an account in which I 've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Southwest Credit Systems has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (CA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I have asked CHASE to VALIDATED these accounts this is my 2nd Certified letter to them and all 3 credit bureau 's as I have requested an Certified Copy of the accounts that shows it has been VALIDATED with Certified Copies of the TRUE BILL these request has been refused as they are stating it has been VALIDATED & TRUE BILL has been voided I NOW DEMAND I BE SENT COPIES OF ALL ACCOUNTS TO BE REMOVED OR VALIDATED & CERTIFIED COPIES OF THE TRUE BILL & VALIDATED ACCOUNTS BE SENT TO ME ASAP TO POST OFFICE BOX XXXX XXXX XXXX CALIFORNIA XXXX along with sending copies to me at XXXX ASAP they has responded to Experian stating acct was VALIDATED ON XX/XX/2018 I'm in New York I'm unable to check my mail I herby demand copies of the Certified TRUE BILL & Accounting & the VALIDATED accounts be sent to me ASAP to my email address @ XXXX and I'm Demanding the 2 original instruments ea. for {$7800.00} be returned they were kept and I was sent back copies ( receipts ) back if they weren't used why were the original kept stating they were non-negotiable but they were kept ... FRAUD they were signed in blue ink by the living man they owe me {$15000.00} with interest or send back originals instead they sent back copies ... I will be filling a claim/lawsuit against CHASE BANK I'm writing and making a valid complaint to be on file that I have did everything to settle this matter and to prove my standing in Equity Court as this is FRAUD CHASE BANK has said that the accounts were VALIDATED and has refused to send me the proof as I have requested by certified mail # 2 times all of the accounts from CHASE Bank I HERBY DEMAND TO BE SENT ALL ACCOUNTS THAT HAVE BEEN VALIDATED WITH CERTIFIED COPIES OF THE TRUE BILL ( 1 ) CHASE BANK {$7800.00} # XXXX ( 2 ) CHASE BANK {$5300.00} # XXXX ( 3 )  CHASE BANK {$840.00} # XXXX ( 4 ) CHASE BANK {$2100.00} # XXXX I demand the VALIDATED account information and Certified Copies of the TRUE BILL to show these accounts belong to me the living man, ALL ACCOUNTS WILL NEED TO SHOW MY ORIGINAL ( WET SEAL SIGNATURE ) on all documents ( NO COPIES ACCEPTED ) I will be filling a lawsuit within 15 days of this complaint and reply for CHASE BANK send all information and updates to my email address and by mail to XXXX address change and update to XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX UCC 1-308 WITHOUT PREJUDICE I'm out of town due to this I need all replies to be sent NY mail and email

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Medical) with Grant Mercantile Agency (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An ambulance company ( nobody now is clear on whether it was XXXX XXXX in XXXX XXXX, from XX/XX/XXXX ; or XXXX, from XX/XX/XXXX ; anyway ... ) sold a debt to Grant Mercantile Agency ( XXXX XXXX XXXX ; XXXX, CA XXXX ; XXXX ). If in fact I was in an ambulance of theirs for any reason, and that is indeed how they collected my information, the point is, I have had Medicare since XX/XX/XXXX and they would have covered any ambulance pick-up or transport -- THIS IS NOT MY DEBT! I had insurance, they knew it, and I never should have been personally billed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fraud or scam

Complaint: On the XXXX we had a scam phone call from " IRS '' and " sheriff department ''. They asked us to pay them {$4900.00} through Bank of America. Because we got afraid we did that. However after we checked with police department in XXXX XXXX, CA we found that this was a scam. We tried to stop transaction but it was too late. The bank does not like to give us money back. We need help to recover our money back. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: In  XXXX , I was unemployed and became past due on my student loan. This information was reported to the credit agencies.  Navient re ports that I was approx. 200 days past due. In  XXXX   XXXX , I submitted appropriate documentation to resolve the past due account which was back dated to  XXXX   XXXX   XXXX . I then enrolled in school in  XXXX   XXXX . I recently contacted Navient to obtain documentation that the account issue was resolved in  XXXX  and became current. Navient indicates that I was not sent a notice indicating that I applied for an unemployment hardship deferment. I have had a difficult time obtaining documentation that my student loans were current in  XXXX   XXXX -todate in  XXXX .     The past due account was reported to the  XXXX  credit bureaus. In order to obtain a professional license today, the state license committee is requiring me to submit documentation that my student loan past due accounts were resolved and have since been current. I have had a difficult time obtaining this information. Navient employees had been rude and have provided incorrect information concerning my accounts. I need to resolve the matter as quickly as possible.     In addition, I would like to know why the back-dated documentation resolving the past due amount did not prevent the account from being reported to the credit bureaus as a negative transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: This is the substance of my complaint against Capital One. They have employed one stalling tactic after another in processing my home equity loan application. I believe early on they realized the interest they were collecting on my Capital One credit card balance was about the same as they would be collecting on this much larger home equity loan, so they put my application on the back burner. Is this not illegal? They have cost me and my son ( to whom I am going to gift a part of the loan proceeds ) more than {$1000.00} in additional interest on our credit cards. If one instance of this behavior is not illegal, should they not be investigated to determine if a pattern of this consumer abuse exists? 

You are able to monitor the progress of your application on their XXXX. It offers no communication, secure or otherwise. For nearly two months there has been nothing for me to sign, nothing for me to provide, yet, over that time, it has consistently reported, " 9 complete, 2 [ documents ] in review. '' When his subordinates ceased communicating, I sent an email to XXXX XXXX, Manager ( the text is attached to this complaint ). Nearly ten days have gone by and he has not responded. Read this and you will get a full timeline and details. 

The next document I am attaching is a letter from Capital One advising that they are exiting the home equity loan business. Why send this to me? My application had already been in process for three months! This makes me wonder if any of the people with whom I have been communicating still have a job at Capital One. 

The next communication I received was an email asking me to take a survey. After I checked boxes critical of their customer service, I was INVITED TO CONFIRM THAT I WAS WITHDRAWING MY LOAN APPLICATION! Of course, I did not do this, did not submit the survey. What kind of trickery is this?

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, I own a Credit Card from XXXX. 
I log in to my account from XXXX and I choose automatic payment withdraw for monthly payment. After 3 weeks I XXXX to log in to my account to look at my balance. I XXXX to many times to log in to XXXX Website, I decide to cool Customer Service regarding this problem with they website, They told me my Account is close and they block my Credit Card for IDENTITY TEFT and they will send me a new one and not to worry about that. I just have to wait to resave my new Credit Card and log to my account. I have to find out on my Credit Report XXXX charge me let fee and reported on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX. 
Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 146 days and counting And still I can not prove I own the home I live in.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I ASKED BOTH COMPANIESXXXX XXXX AND XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: In XXXX XXXX we applied for a loan modification. All requested paperwork was turned in on a timely manner. In XXXX XXXX, XXXX we were told our income was not enough. Our income changed in XXXX XXXX, XXXX our income increased and proof was turned in. On XXXX XXXX, XXXX we were informed it was too late and a foreclosure was in process. We objected but were told it was too late in XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX account # XXXX I did not sign up for XXXX in XXXX. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (MA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I have an auto loan with Wells Fargo for a XXXX XXXX XXXX. They charged me XXXX fees for not having insurance coverage even though I have maintained full coverage for the entire period of the loan so far. When I refused to pay the extra fees, they began applying my monthly payments to the erroneous fees and then charging late fees. Finally they have charged off my account and will not correct their errors despite over 10 phone calls, email exchanges and discussions through the mail. They are also inaccurately reporting the incident to the credit bureaus, which show that I have not been making payments even though I make the agreed-upon payment ( from the initial contract for the auto loan ) every month and have never missed a payment.

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed a bankruptcy for chapter XXXX in XXXX and the discharge of it went out since XXXX. Van XXXX years of that process and still Equifax shows the same in my credit report.

Company response to consumer: Closed with explanation