milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2016 about Debt collection (Federal student loan) with Kirschenbaum & Phillips P.C (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Kirschenbaum, Phillips & Levy P.C. in an attempt to collect a debt they have illegally placed a levy on our checking account. My family has no access to funds to pay for childcare, diapers etc. Kirschenbaum & Phillips did not have the authority from XXXX University at the time of their banking hold to work on their behalf. They were operating without consent of XXXX University and withheld access to my banking accounts using outdated documentation. And while doing so, attempted to collect over {$20000.00}. Over the course of four business days, they told me XXXX different amounts of money that they HAD to receive before being able to remove the hold on my accounts, and went so far as to demand pay stubs and banking transaction information. 
We have been in contact with the original debtor and they have stated that they no longer have a contract with Kirschenbaum , Phillips & Levy P.C.. However, Kirschenbaum, Phillips & Levy P.C. refuses to release the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Delinquent account

Complaint: We ordered an edger for my birthday ( XXXX XXXX, 2015. That day we called them and their person in that area said it 's XXXX junk and that the carborator was bad. So, we called to return it. They told us that their home delivery would come and pick it up. Then no one showed. We kept calling and kept getting different answers. Then we were told XXXX had a call tag. This was charged to my charge ( its the only thing on there ). Mind you it never worked from day one. I still do not have it picked up after buying a box for it because XXXX first said empty gas and oil. We did that, then they said the box was not firm enough. We bought a box, then he said not good enough because the box we purchased only one in our area had to be cut down and taped to fit the thing. Then, we had it sitting on our porch for almost two months. l then called and they told me its off your charge throw it away ( dispose of it ) you can listen to their recordings it 's there and i can give the guys name. I repeated him twice. Then he did remove it from my charge. I called to check on it and told the girl I was leary of throwing it out until I was sure it was off. Then she put it back on my charge. Now they are sending me another XXXX tag for the edger and want to get it back. They put it BACK ON MY CHARGE and are ruining my credit. They are now sending me another call tag U

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/25/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (NJ).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I was reviewing my car note statement notice that the principal had reach to a total of {$280.00} as XXXX/XXXX/XXXX and the interested rate {$75.00} dollars. I was wondering if the company was charging and extra fee for the car even though the APR was 5.990 % .quote on quote is state if you are late paying it 's only {$2.00} a day after the 4th day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I called Calliber customer care department XXXX and spoke with XXXX. To my surprise, he said that XXXX XXXX 's modification was denied for missing documents. He also said they had not received documents since XXXX, which is untrue. 
The servicer has a complete modification package. I spoke to a rep on XXXX and they requested a Profit and Loss as the last piece of documentation needed to reach a decision. Yet XXXX stated on XXXX the document was never received which was sent via email on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishandle d MY loan mone y so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgiveness because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Equifax/XXXX Credit Reporting Agencies Credit Report DatedXX/XX/XXXXUpon receipt of credit report datedXX/XX/XXXX, I noticed I have a " Derogatory public record or collection record '' contributing to my FICO score and I would like the detail of the this record. I have no knowledge of this problem and I would like to go back to originator of the comment and determine if an error has been made. In the event that remark is accurate, I would like to resolve amicably. <P/>I have called Equifax and XXXX on a multitude of occasions and have yet to speak to a human being or get any detail related to derogatory mark. <P/>I have attempted to use Equifax Online Dispute page ... .only to find the website complaint page unresponsive ... ie. after entering my data, I select submit and nothing happens. <P/>I am quite frustrated. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I started to miss payments in XXXX of XXXX because my mortgage had increased by {$500.00} per month. I tried to call Freedom Mortgage to see what the problem was and they never could explain exactly why. They kept flip-flopping between something to do with the property taxes or the insurance. I never got a clear answer. I asked about possible loan modification/repayment options during the early part of XXXX in order to catch up with my payments but was told that they did not offer any of these services. I told them that my friend had received assistant through his bank with an FHA loan but Freedom Mortgage said, sorry, either you pay us the full amount or sell the house. In addition, I tried to refinance but they said no because I was behind. I ended up pulling money from my XXXX in order to reinstate the loan and wired the money to Freedom Mortgage on 8/16/17 which was one day before the sale date. I called Freedom mortgage to let them know and they said that my house would not be sold because I wired the money and they said not to send them any proof because they would review the wire when it came in. I offered to send them a copy of the wire receipt but they said that they did not need it. I assumed everything was ok but it turns out that the wire information provided to me by the bank was erroneous and my wire was rejected because of this. A few weeks after I received a letter on my fence telling me that the house had a new owner and to contact them in order to set up a " cash for keys ''. In a panic, I resent the money to reinstate the loan to them again but they sent me a check back telling me that they would not accept the funds. The mortgage has been reverted back to the lender and every time I try contacting them, they tell me sorry, nothing we can do and are not being responsible for the sale of the home even though I wired the money. I truly believe that the bank is acting in bad faith in that they did n't even bother to postpone the sale date after I notified them of the wire transfer. I have proof I sent the money in on the XXXX. My home was sold unfairly!!

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 08/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (VT).
Issue: Rewards

Complaint: In XXXX I was approved for and received my American Express Platinum card. I began using it and eventually reached a spending threshold which awarded me XXXX of their Membership Rewards ( R ) Points, as promised. On XXXX XXXX I was charged their {$450.00} annual fee and I have continued to use this card and have no balance due at this time. After other charges I now have, as the time of this writing, XXXX points and my Membership Rewards ( R ) Program Number is XXXX. My credit card ends in XXXX. I have been a customer of American Express for decades and have good standing with them and good credit as well. I followed any and all terms and conditions for this card when making purchases and for earning or trying to use points. 

These points can be used to transfer to airlines or other services for travel or commerce by simply linking the American Express account online with other listed programs such as airline accounts, etc, and then make an online transfer after filling in their online forms. I have done this in the past with American Express Member Rewards Points transferring them to my XXXX account. In XXXX I tried to do another online transfer of XXXX of my points to XXXX XXXX and received the following error online : " Unable to process your request We are unable to complete your order. Please do not attempt to resubmit the order, as this will only delay the process. Please contact us at XXXX between XXXX and XXXX, Sunday through Saturday. '' I called American Express and spent no less than 45 minutes on the phone being transferred up a chain of CSRs and supervisors, all who thought my account was fine, and eventually reached someone who told me that my account is being reviewed at the corporate level, which could take 6 - 8 weeks. She could not tell me anything else. In other words, my points, which I properly earned, can not be used. Why are they in my account if they can not be used? I think American Express is pulling a bait and switch of sorts if it offers something like this but now does n't let its customers actually take advantage of it. If they have some sort of internal issue being worked on by corporate, they should have solved that before hand on their time and stop wasting mine. I have actually visited online forums and have learned there are many others with this card experiencing the exact same issue. 

What I want is for you to help me get them to release any hold they have on my points and NOTIFY ME IMMEDIATELY without me having to contact them and fight for an answer again. Why did I pay {$450.00} for a card that has no intention of letting me use its benefits?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Debt collection (Medical debt) with DCI Credit Services, Inc. (ID).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I pulled my credit XX/XX/XXXX and seen that there was a collection placed in XX/XX/XXXX for a medical debt in the amount of {$770.00} from XXXX that I am unaware of. I have disputed it several times, XX/XX/XXXX and again in XX/XX/XXXX asking to verify that this account is in face mine or delete this as it is holding my credit at a stand still and I have received nothing from anyone. I looked the company up and they do n't seem to be able to collect in the state of Idaho which I currently live in and have the past 2.5 years and they may be in violation of my HIPAA rights by having access to this account which may be why I have received  nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX XXXX did try everything that I can thru Experian and they are not providing any documents. While other credit bureaus they corrected. the despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified I 'm sincerely requesting a copy of ANY original documentation if not please promptly DELETE all information which can not be verified I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX  Unverified Account Account Name XXXX XXXX Provide Physical Verification Account NumberXXXX Unverified Account

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 02-02-2018 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have been applying additional principal payments to bank of america auto loan. I spoke with BOA and stated I would like any additional payment be applied to principal and not next months payment. A customer service representative told me I would have to go into a bank or pay by check and could not do this online. If I do not have checks, no checking account with bank of america and I do not have a bank of america near me these things are not possibly. BOA is dictating how I would like my payments and stating it can not be applied towards principal when I am meeting my monthly obligation. I would like this investigated immediately, I believe it to be false and deceptive bank practices.

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 11-03-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Struggling to pay mortgage

Complaint: MY HOME IS BEING FORECLOSURE WITH A FRAUDULENT ASSIGNMENT THAT IS CLEARLY DEFINED AS A ROBO SIGNED DOCUMENT. FRAUD CAN NOT BE THE BASICS OF OBTAIN A DEED THE CUT OFF DATED OF THE ALLEGED LISTED IN THE POOLING AND SERVICING AGREEMENT FILED WITHIN THE UNITED STATED SECURITIES EXCHANGE.STATES THAT ALL MORTGAGES HAD TO BE CONVEYED PRIOR TO THE CUT OF DATE IN SECTION 201 I ALSO REVOKED THE POWER OF ATTY THEY ARE USING TO FORECLOSE ON MY HOME I HAVE ASKED FOR A MODIFICATION, AND THEY HAS REFUSED

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: borrower requested short sale approval for XXXX lien with Navy Federal Credit Union and can not get response since XXXX/XXXX/15. when I spoke to XXXX of the NFCU loss mitigation reps I was told that they would not accept the XXXX offered for the settlement and would pursue the borrower XXXX for the deficiency, and that their normal business practice is to wait until the XXXX trust approval is close to expiration hoping that agents and buyers will become frantic and pay them more than the initial offering. this particular sale is a VA compromise sale and the XXXX lien holder was offering them XXXX the buyer has offered some and I have offered commission to get them XXXX and we can not get a decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan is being serviced by LoanCare ( LoanCare, a XXXX company and indirect subsidiary of XXXX XXXX XXXX ). I received my first payment letter that instructed me to make the payment by check while the ACH auto draft was being set up. I made my payment on XX/XX/XXXX and then on XX/XX/XXXX they auto drafted me for my mortgage payment. I called to request a refund and they refused and said I would be always be a month ahead. They said my only option was to cancel my auto draft for XX/XX/XXXX and reinstate it in XX/XX/XXXX. I then called my mortgage broker who lodge a compliant with them. They said they would send me a check and the next thing I heard was they were wiring me the funds back. The wire never arrived meanwhile the payment was taken off my account. When I called to inquire on the wire they then said they would overnight me a check. That check never arrived. Now it is XX/XX/XXXX and XX/XX/XXXX payment is due. I had enough so I told them just to keep the funds and I would cancel my audit draft. The notice that my auto draft was in place was dated XXXX/XXXX/16 and I did n't receive it until XXXX/XXXX/16. Also I just received my tax forms on XXXX/XXXX/16 which is late. I have already filed my taxes. Based on the hold time I know I am not the only one with issues. When they processed the 2nd payment they applied it to principal and interest not to principal only. It appears their system does n't pick up on duplicate payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For nearly a month, TransUnion has been reporting a collection from " XXXX '' a/k/a XXXX XXXX XXXX on my credit report, tarnishing my name and making me unqualified to obtain an auto loan with XXXX due to this collection. 

I 've disputed this collection with reporting agency and TransUnion but TransUnion reported that the reporting meets requirements of the FCRA. IT DOES NOT. 

On XXXX XXXX, 2016, I called the original creditor of the debt, after investigating, XXXX XXXX discovered that the payment I made before my account was turned over to XXXX was credited improperly. XXXX pulled my account out of collections. 

The debt collector, XXXX companies, says that TransUnion is reporting the information on this collection account and they 've already requested to have it removed from my credit file. 

TransUnion is tarnishing my credit file and making me ineligible for auto financing. I demand they stop reporting this collection. XXXX and XXXX have n't reported on this debt in over 3 weeks and TransUnion says it meets FCRA requirements. 

I am willing to speak to the media about TU if necessary.

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 02/18/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted my mortgage servicer to be reviewed for a modification to reduce my interest rate. I started this process XX/XX/XXXX. I was told they could n't do anything for me unless I went onto a temporary forbearance plan first, then they would review me for modification. I went on the plan, paid the forbearance payments for XXXX and XX/XX/XXXX, and then resubmitted all my information for review of modification. After reending documents over 4 times when the stated they " could n't find them '', I received a letter today stating that if I do not pay the full amount due by XX/XX/XXXX, they will foreclose. WHen I called, I am told it is with underwriting but they can not guarantee that a decision will be made before the deadline. When I started this process, I was not delinquent. I entered into the forbearance because they said that is the only way they would consider a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I entered into a forbearance in or around XXXX XXXX XXXX as i needed to resubmit my recertify for my ibr. After XXXX attempts to get my application to them i was to be told in XXXX XXXX they never received it. Until this time i was not notified they never received an ibr or a me. I had talked to someone in XXXX entetring into a forbearance, until my ibr was approved. So in XXXX the Fed loan placed a 120-150 day late updste on my credit report ruining my credit. Even if i was late, which i wss not, it still would not have been 120-150 days late as the forbearance was for 3 months. I also never received any letters or phone calls to notify me that i was supposedly late until XXXX XXXX which i returned the phone call back to them. At that time i informed the man that i filied for a recaluation of my payment XXXX diffetent times. Plus a forbearance of 3 months in order to prevent it going delinquent. This place is ridiculous on not receiving paperwork or claiming to not have a record.of my phone call. I beleive i talked to them on XXXX, XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation