milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I am filing a complaint against Bank of America because on XXXX XXXX 2017 I had a wire from prosper market place in the amount of {$33000.00} and I also deposited a check from a line of credit that was approved in my name in the amount of {$10000.00}. Bank of America is claiming that they received a call from XXXX Bank in reference to the valid deposit. The loan is in my name and valid yet XXXX wants to do further research. I have already provided XXXX with proof of identity and gone in to the branch but they are giving me a headache after the check has already cleared with Bank Of America. Because of this Bank of America has place a hold of {>= $1,000,000} on my account and is not letting me access any of my funds. This is illegal that they are holding even the wire that has nothing to do with XXXX bank deposit of {$10000.00}. I need my funds released 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 explanation
Consumer complaint received 09/17/2015 about Mortgage (Other mortgage) with ARVEST BANK GROUP, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Once again Arvest mortgage aka central mortgage once again has tried to downplay the seriousness of my formal complaint and its attempting to deflect the seriousness of their misconduct and playing games and deceiving the Federal Government. I filed a complaint please see attached documents with cfpb. They have lied to you saying that they do not have the proper documents and paperwork which is a lie. I filed a complaint on XX/XX/2015. Case number XXXX I called you and told me to fill out another complaint wich I have case number XXXX. Please understand that they broke into my home change locks damage my front door and had several personal things stolen by there company and affiliates. Imagen and if you could put your self in my shoes. Another Lie is that they say Central mortgage is not a bank but it 's own by Arvest Bank. So they tell me that they do not have to follow Banking Laws. The thing is that what XXXX did with a gun this company doing with a pen. I thank you in advance XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: MY ATTORNEY RECOMMEND THAT XXXX XXXX XXXX DO A CREDIT ACCOUNT REVIEW ON XXXX  ONLY! AUDIT TRAILS AND PROFILE DATA IN CORRECTLY MATCHING CAPITAL ONE INFO. 

WHEN APPLIED FOR THE 2 CARDS THEY PULLED A 4-1 ON ALL 4 BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NC).
Issue: Managing the loan or lease

Complaint: I do n't know if this is a complaint as much as it is a question concerning what rights I have as a consumer. My son starts college in XXXX and I have a large unexpected tuition payment due. My options are to apply for a loan ( which I do n't know that I will qualify for ) or have him apply for a loan, which I would rather not do because I do n't want him to begin his life in debt like I did. I never bounced back. Hence, my present financial situation. 

I have a car loan with GM Financial and called them, in good faith, on today XXXX XXXX, 2016. I called to allow myself plenty of time to work out an arrangement with them to have my XXXX payment moved to the end of the loan. I explained my situation and how extending the XXXX payment would greatly help me. I explained that this was an unexpected payment and that knowing how much has to be paid will give me time to prepare before his next tuition payment is due. I have paid GM Financial for XXXX months, never missing a payment, always making my payments early. All that I ask of them is to extend XXXX payment on this XXXX occasion. The GM service rep. put me on hold and came back saying that they could make payment arrangements with me but, that they could not extend the payment at this time because it would n't be wise to add so much interest to my account ( apparently interest continues accruing in spite of the fact that I am requesting a payment extension ). I explained that I am willing to make the sacrifice of the interest considering that I am already paying a lot of interest on this vehicle so, $ XXXX more would n't make much of a difference. The rep said that they could make payment arrangements with me since there is so much time before the payment is due. I explained that if I had money to make payment arrangements then, that is what I would have requested. I know how much income I have and what I will be able to manage before the end of XXXX. Besides, I explained, payment arrangements would also incur the same interest fees being added to my loan. I asked to speak to a supervisor who explained that GM was not willing to make an extension " on this account '' at this time. Granted, I do have poor credit due to taking on this loan and helping out a friend who is waiting for social security XXXX payments. However, my record with GM is clean. I am paying $ XXXX always on time. At the end of this loan, I will have paid over {$45000.00} for a {$25000.00} car. I know that it sounds crazy but, unfortunately, that is the agreement which I signed at the time. 

My question is what are my rights as a consumer. If GM does payment extensions and my payment history with them is excellent, can they refuse an extension on my account? What are my options here?

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I asked XXXX XXXX XXXX for a discount on my automobile insurance they stated that they did not have any discounts, so I obtained another insurance company XXXX and told XXXX I do not owe you money they sent notice that if I showed them my Declarations page they would delete the purported money I owed them I do not have to send them any more of my personal information I do not have insurance with them any longer. So this what I received in the mail in XXXX. I do not have an account with this company. This is IDENTITY THEFT pursuant to 16CFR 603.2. I have contacted this DEBT COLLECTOR. I am feeling upset, about this and I try to sleep but ca n't do that much because of my Credit Report being torn apart just because when I want to secure things for my personal, family or household use, I have intruders trying to steal everything I have in the name of DEBT COLLECTION I did not give my permission for this DEBT COLLECTOR CREDIT COLLECTION SERVICES to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR CREDIT COLLECTION SERVICE to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I do not know how this DEBT COLLECTOR Obtained my non-public private information which is a GRAMM LEACH BLILEY ACT violation. This is IDENTITY THEFT pursuant to 16CFR 603.2. This DEBT COLLECTOR CREDIT COLLECTION SERVICES is trying to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR CREDIT COLLECTION SERVICES, this is aiding and abetting fraud on the Consumer who is a natural person. I do not know where they got some figure saying I owe them they are strangers into my private affairs. 
This Debt Collector has violated and harmed my consumer natural person according to the Fair Debt Collection Practices Act ( FDCPA ) pursuant to 15USC1692c, d, e, f, g, and j respectively. Because of this CREDIT COLLECTION SERIVES DEBT COLLECTOR is subject to 15USC1692k and it must be paid so they will not make this mistake again with a natural person consumer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit card () with U.S. BANCORP (MA).
Issue: Unsolicited issuance of credit card

Complaint: I sent US Bank two letters, providing evidence that their claim that the signatures matched did not have merit and asked US Bank for proof of indebtedness - proof I applied for or accepted a card offer, US bank responded with a letter dated XX/XX/2017 stating : Transactions claimed as fraud were transacted by cardmember.

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 06/22/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Our Bank of America XXXX mortgage was included in our Chapter XXXX Bankruptcy XXXX, XXXX. We completed the payment plan and the bankruptcy was discharged XXXX XXXX. After the bankruptcy was discharged, Bank of America starts reporting our account as 180 days delinquent and over {$10000.00} past due. I sent documentation to their XXXX XXXX location on XXXX XXXX, XXXX, revealing the papers and discharge. So they remove the {$10000.00} past due and show a XXXX balance on the account, but failed to removed the delinquencies that popped up ( XXXX and XXXX, XXXX, 120 days past due ) and then XXXX XXXX. We are trying to refinance our mortgage under Harp before the program expires in XXXX. You can not lawfully report delinquencies on an account when the trustee is making the payments and there was no breech to the contract. Please help

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 03-08-2017 about Debt collection (Credit card) with Account Discovery Systems, LLC (WI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Account Discovery Systems had called my employer after I specifically requested them not to. I work for a XXXX and not only did they contact the XXXX I work at but the XXXX district! I am mortified as I am attempting to get a full time XXXX there next year ( I am an XXXX now ) .This has made me look really bad. They have sent several calls to my husband as well as his mother and father who have nothing to do with my personal debt. Now they know and call me asking why creditors are calling them! I feel harassed. I told them I would pay them when I have money but I do n't right now. They have even threatened to have me sign a form that they will give to my employer to garnish my wagesI did n't even know this was legally possibly unless thy pursued a court case against me which they have not.I ca n't sleep at night because of the XXXX of having to come up with the money to pay them so they can quit harassing me. All I want is for them to stop violating my privacy and calling my employer and my husband and his family.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (VA mortgage) with Ladera Lending, Inc (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XXXX XXXX, I was contacted by XXXX XXXX XXXX a loan officer at a company titled XXXX XXXX in Southern California. I was looking to gain information regarding refinancing my home via a 5-7 year adjustable rate mortgage. 

XXXX XXXX, later that day sent me correspondence for a 30 year fixed loan and an ARM loan, the ARM loan being not what I wanted, he said but did not tell me why I did not want it. I explained to him that I wanted an ARM loan due to it not needing an appraisal or pest inspection and the fact that it also offered me a lower rate. 

When we spoke again, I was told he had found a 30 year fixed-rate loan and no inspection or appraisal would be needed. I explained to him then for the first of many times, I could not afford the inspection and appraisal. At another time he told me that unfortunately, the appraisal would be required but he would assume it in the cost of the loan, not to worry. 

I decided to go ahead with the 30 year loan because the apprasal would be assumed into the loan and the old pest report could be used.

Time passed and he called me back and told me he needed a copy of my debit card to submit to the underwriter to get the loan approved ( that without the debit card print out the underwriter would not approve ) but he would not run it. He told me that he could find a way to assume the appraisal cost of {$600.00} in the loan. I agreed after again, telling him that I had no money in the account. To make a long story short, the appraisal that should n't have been required, was ordered by XXXX XXXX and the debit card was run, debiting {$600.00} from my account. I tried to handle it on my own. I canceled the pending refinance and chose another Iender and wrote the President of the Company regarding the Matter. I told them what happened and requested my money back I was contacted by the company twice, but only given the run-around. I do not understand why these companies are provider so much leeway to take advantage of consumers. Thank you. 

XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 12-01-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For Months I have been trying to reach out to XXXX, who is reporting negative information on my credit report. I have written letters asking for debt validation ( not verification ). I specifically asked for original contracts with my signature, as I have never had any accounts or have done any business with them. I also reached out to XXXX XXXX bank who XXXX says is the original creditor and they wrote a letter saying that they do not have any information regarding any account with them ( letter attached ). 

XXXX has NOT validated the debt that they are reporting on my credit report, however, they continue to report negative information. Also, they have sold the debt to Resurgent, which is illegal because they NEVER validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stillman Law Office (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Schlee & Stillman , LLC claim I owe XXXX to XXXX, a XXXX account. I have not purchased anything from XXXX Since XX/XX/2014, XXXX fraudulent orders were placed on my account subsequently for XXXX products which I have no use or need for. Prior to these orders being placed, XXXX was advised to close account. However, request ( s ) were ignored and orders were placed thereafter. There is tracking info for only XXXX of the XXXX orders, supposedly signed for by XXXX. For the record, I do not ever sign my name as XXXX. The XXXX order, also an XXXX product, does not have any tracking info or a signature. XXXX was advised numerous times that I did not place these orders and did not receive them. Several affidavits were sent in, however, nothing done and insist I continue to send in additional ones which I refused to do. Complaints were filed with XXXX against XXXX and XXXX as well as with FDIC, CFPB ( Consumer Financial Protection Bureau ), all unresolved. They insist I pay the debt for items I did not order or receive and claim to have " thoroughly investigated '' the orders. Their " thorough investigation '' consists of verifying billing and shipping address which proves nothing. Obviously the billing and shipping addresses match, otherwise the orders would not have been processed and shipped. I have not ordered anything from XXXX since XX/XX/2014 because their prices are extremely high, you can find most of their items for less at most retailers, their service is VERY poor as I have described above. Please advise Schlee & Stillman , LLC I refuse to pay them or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am co-signer on a student loan taken out by my daughter about ten years ago. It was taken out through XXXX but is now serviced by Navient. Due to problems my daughter experienced in collecting her pay for her job, she stopped making payments. She did n't tell me. The loan has recently gone into default. The only written ( US Mail ) notice I received from Navient was recent, telling me that the loan was already in default. ( There may have been email correspondence telling me to login to their web site to see a message, but these things come all the time for less significant events. ) Then a series of phone calls started from Navient collections. First, they offered me XXXX lump-sum options, XXXX to release me as co-signer, the other a settlement in full. I did not have the tens of thousands of dollars available to me, so I declined. Both those offers came in the form of an email letter on Navient letterhead. 
The most recent phone call ( yesterday ) from Navient conveyed an offer that if I paid the back amount due on the loan and then made a monthly payment slightly above the most recent monthly payments that I could pay off the loan balance that way. The interest rate would be 0.1 % ( why? ). This sounded hopeful to me but there were obviously terms and conditions that I wanted to see in writing so I could talk them over with my spouse. Besides, my hearing is n't perfect, the phone connection was poor, I had to go outside my place of employment so there was road noise, I had no writing material or place to write, and the agent had a thick accent. It seemed so reasonable for me to ask for this offer in writing, but they refused. Instead, they said I had to make these payments for some number of months and then I would get something in writing. 
We went back and forth for a while, with my insisting on an offer in written form. The agent seemed to think that obviously I ought to trust him ( " This call is recorded and I would get fired if I lied to you. " ). This insistence on no written offer seemed so outside the norm -- more like a loan shark than a reputable company -- that eventually ( after much repetition ) I just hung up. 
I will be making those payments ; obviously I should, and they are close to the payments for the original loan. One big worry is what effect this will have on my credit rating. I already ca n't refinance my mortgage and save 2 % interest because of my credit score. At my age I probably never will. I also worry about the effect on my daughter 's financial future. 
I think that this " no offer in writing '' policy is outrageous ( and obviously not XXXX compliant ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have been a victim of identity theft and my report has been shared without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Billing disputes

Complaint: I disputed an account with Chase with the XXXX major credit bureaus and directly with Chase. The credit bureaus and Chase both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Specialized Loan Servicing LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The mortgage servicer - XXXX XXXX XXXX - incorrectly used the wrong property address, whereas the Mailing Address Certification form the loan origination had the correct address listed on it. So they were sending mail to the wrong address and I never received any mail from them. No statements, nothing. When I pulled my credit report, I noticed a 90-day late on it. Then I called the company and found out they were my loan servicer. I immediately paid the amount due, and became current within 2 days of finding out who was my loan servicer. Now I have a negative mark on my credit. I spoke to a very nice, informative gentleman from the CFPB. He was very helpful and thorough. I am really glad you all are here looking out for homeowners. Thank you.

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 12-07-2017 about Mortgage (FHA mortgage) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Struggling to pay mortgage

Complaint: I fell behind on my mortgage when I went through a financial hardship from a divorce. I requested a modification through the mortgage company which was denied. Every month a payment was made but after the mortgage was 3 months in arrears, however, on my statements every month there was a charge of $ 12.50- {$22.00} for home inspection fees that has now accrued to {$510.00}. I feel that is an unnecessary fee that the mortgage company has charged. I have managed to obtain a contract to sell my home before it goes into foreclosure and that fee has been included in the final payoff of my mortgage. There was no benefit that I as the consumer received from this fee. I believe this was free money that the mortgage company was able to gain at my expense. This an unfair practice that should be investigated.

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 09/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I filed a complaint w/CFPB XX/XX/XXXX, ( which has not been resolved ) regarding how our lender ; Nations Star handle payments our trustee had been sending for the past five years. In what seems like intentionally backlash or retaliation our payment has gone up even higher than the initial complaint, causing us to believe this lender is trying to force us into unfair foreclosure. Our last complaint stated our payments were {$1000.00} then increase to {$1800.00}, we were told as of XX/XX/XXXX ( which ironically is the month we are no longer in bankruptcy ) our payments will be {$2100.00}. I 'd like to take this further, as I stated this seems as if we are being forced out of our home.

Company response to consumer: Closed with explanation