milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: I do not even have an account with Ally Financial, however the constantly called my cell phone looking for someone by a different name whom I do not know. After being told numerous times they have the wrong number they continued to call and harass me at all times of day. Even told me I was lying to them. Sometimes I would receive XXXX calls from them at the same time. I attempted to contact corporate offices and was told I would receive a call from someone in a couple days approx XXXX month later, I received a call from a blocked number being allied at XXXX in the morning which is illegal, stating they had no record of any calls made to me. Of course this is after I threatened to file a report. They refuse to provide any contact to the legal department and although I have cell phone records of all calls they have deleted all records on their side in a coverup attempt.

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 12-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: This is my 3rd and hopefully my last Complaint. 
If OCWEN really wanted to help me, they would give me the time to get to a closing and not put the property on foreclosure sale only days prior to me concluding a deal and going to closing. 
Every time I get to a point of potential closing, I am thrown under the bus and put back for foreclosure. Now XXXX/XXXX/XXXX - 4 days before XXXX. 
I can not close by XXXX/XXXX/XXXX because in qualifying for a Reverse Mortgage I had to get married, Correct my credit, pay back Taxes and Provide additional income to prove I could pay for Taxes & insurance on or before time so as not to cause another foreclosure. 
I have sufficiently done so, but my Partner of 25+ years works as an XXXX jobs had to submit XXXX & XXXX Taxes although no Taxes were due because actual income was below Taxable amount for XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have  XXXX  store credit cards with Synchrony Bank. A Belk Card, and a   XXXX   XXXX   Card. Within the last 2 months, they have reduced the credit limit on both accounts just when I had the balance down to under 50 %. This has damaged my credit because by lowering my credit limit, they have increased the balance to credit line percentage to 97 %, and 99 % respectively.
In addition, they made this decision by pulling my credit report, and judging my credit history, not from the credit lines I have with them, but by using my entire credit report against me. I have worked very hard to bring these account balances down, only to have that work against me because of these big credit limit reductions. For my Belk Card, they reduced my credit limit from {$300.00} to {$200.00}. The   XXXX   XXXX    card was reduced from {$300.00} to {$140.00}. These changes were not gradual, but immediate.
I asked them to send me any documentation showing that I gave them authority to pull my credit whenever they felt like pulling it. All they would give me was their website for their bank terms. They also said, they had the right to lower my credit limit. Should n't they lower, or increase my credit limit based on my account with them, not others?
They have ruined all the progress I made on those accounts.
The refuse to restore my previous credit limit. They wo n't fix any damage they have done to my credit score. By lowering my credit limit, they have sent a clear message to every other creditor, that they do n't believe I can handle my account. It 's not true. I got these cards to build up my score so I can buy a house, they have hindered my, and does n't seem fair.
Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with ZWICKER & ASSOCIATES (RI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX /17  - This company has been calling my  Mother  's home repeatedly.   I have several different numbers for them :  XXXX   XXXX   XXXX  They are Zwicker and Associates www.zwickerpc.com  XXXX   XXXX   XXXX   XXXX   XXXX  MA  XXXX  I have sent letters to all companies I owed debt to explaining I do not live at my Mother 's.   I am currently ill, filed for  XXXX  and have no job and no income. I have asked many times that they not call my Mother due to the fact she is recovering from  XXXX   XXXX   XXXX  and still undergoing treatment. These calls are harassing and I have no means in which to pay them right now so I can not resolve this until I have income.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: this company is trying to collect an unknown debt, I requested verification and validation of this debt including a signed contract of me agreeing to pay this debt. not only did this company not provide it, they are reporting this to my credit which is violating several laws. 
It is also reporting twice on mt trans union report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In XXXX 2015 I received telephone call from a debt collector representing the office of attorney XXXX XXXX XXXX. The representative offered a settlement for a past XXXX debt. We agreed to a payoff of {$380.00}. I paid and a manager indicated the amount agreed would reflect on my credit report. My credit report shows the debt paid however not the {$380.00} agreed. 

Please see the attachment from XXXX XXXX XXXX 's office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. 

There have been several disputes submitted to Experian regarding inaccuracies with more than XXXX account ( XXXX and XXXX were submitted through this portal ). 

There are approximately XXXX accounts on file at Experian that appear tot be incomplete. They lack an Account Type, Balance, Pay History, or have a Monthly Payments that are & gt ; XXXX, when the account is either closed or - has no balance. 

Additional issues are also highlighted for an Account that I never opened, an account where the Pay Status does not equal the Pay History as well. 

My Acct with XXXX as an example ( Issues XXXX ) has been disputed previously and Experian has stated they verified this account. 

There are some XXXX accounts with no " Account Type '' Classification, when this appears to be required as part of the metro file/cdia/crrg requirements I have seen. 

1. Please verify the status of this account, as it is not accuratea. The Account Balance is inaccurateb. The Payment History is inaccurate and incompletec. The last paid date is inaccurateA summary is attached alog with screen shots from Experian 's Direct credit monitoring service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: I had line of credit with bank of America. 
I requested some document under Act ( FDCPA ) to send all this information but XXXX XXXX XXXX XXXX XXXX saying on email this loan was sold to XXXX XXXX and not providing any document. I have court date with XXXX and Bank of America is my original creditor. I do n't have any sign contract with XXXX. still I send the requested to them but I did not send me any is bein more then XXXX date.

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 10/16/2015 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (AR).
Issue: Account opening, closing, or management

Complaint: Case # XXXX For XXXX XXXX status shows the account was closed, reported lodt or stolen, and never got re issued or assigned new account instructions for the acct to be re opened for by the bank, on both accounts in which now are closed or in active, unable to access online banking as well, the original opening date of the first acct is platinium relations, in XX/XX/XXXXby me online and by some unauthorized person who received my status and did not maintain the account, then in XX/XX/XXXX I was issued a reg. XXXX debit card, that was stolen no sooner than I got it, this was reported as well never received by me, as it says now on file the account had multiple cards, and they are all now closed ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Navient has been extreme ly difficult to work with. My husband is a   XXXX   XXXX    and  the program takes  five y ears. During this time money is VERY limited. He has been  XXXX  on my family and I to try and make these payments. We are trying ! Navient  has NOT been willing to help us I any way. In the meantime they are hitting my credit every time I turn around. It 's not fair and needs to be fixed! I have explained to them that I will be done with   XXXX    XXXX   XXXX   in  XXXX     2017 an d at that time can begin regular payments. I feel like I have been charged additional interest and fees that need to be fixed. We are supposed to be on a rate reduction plan but every time we turn around they are telling us that we are no longer on the plan and calling us every single d ay three tim es a day and charging us more in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX is all paid up and they promised to remove any late fee 's and tell the creditors that it is all paid up with no problems. 

I have looked at my credit and have yet to see this updated. I called around XX/XX/18 to make sure this situation can all be settled and was told It would be done.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I hold XXXX consolidated federal student loans serviced by Navient. I sent a check for {$13000.00} to Navient on XXXX/XXXX/16 for my consolidated loan XXXX ( Acct. # : XXXX ). It was cashed electronically on XXXX/XXXX/16 by " XXXX XXXX XXXX ''. The money has not been used to pay off my student loan. When I called Navient they said I sent the loan to the wrong processing address. However, Navient is part of XXXX XXXX as a government sponsored enterprise. Whether the processing center is at XXXX ( where I sent the check ) or XXXX PA ( where they said I should have sent the check ) is used Navient processes the check. They have held my money for two weeks which has not been used to pay my loan. According to the person I spoke to at Navient on the telephone they do n't intend on using the money to pay off my loan but stated they will send me a check for me to cash. I am supposed to cash that and issue another check to send to the processing center in XXXX. However, Navient is the processor regardless of the processing center. Navient is holding my money, without interest, and not using it to pay off my loan. I have not received the check. I also have an electronic pay agreement with my bank to currently make my payments which they could use for a refund. My recent loan payment does not reflect the money they have received to pay off the student loan. Navient is misusing and misappropriating my student loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (WA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Step 1 : What is this complaint about? I complained about Nelnet a few months ago. I have an existing account with CFPB : XXXX. Step 2 : What type of problem are you having? I was not contacted that my income based repayment plan application was not received or offered assistance to complete the application even after they reported to CFBP that they received my complaint.
Step 3 : What happened? I called Friday XX/XX/XXXX at XXXX and spoke to XXXX or XXXX for 9 minutes about my income based repayment plan application. They told me that my income based repayment plan was not currently applied and that I never submitted the application. If you read my complaint you will note that I received an e-mail stating that I was approved for the income based repayment plan. Sure enough, I was offered and I accepted the one month forbearance which just catches up my account. The monthly payment of about {$1500.00} is too much for my income and my credit rating has gone down because of this! Step 4 : What company is this complaint about? Nelnet Step 5 : Who are the people involved? I have the usual contact by email but not on this issue. I spoke to XXXX or XXXX on Friday at XXXX for 9 minutes and explained what had happened and she gave me the one month forbearance. She said, we never received your application for income based repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Conventional fixed mortgage) with BANCO SANTANDER PUERTO RICO (PR).
Issue: Loan modification,collection,foreclosure

Complaint: iI 'm trying to refinance my mortgage thru the credit union. We need a letter of mortgage cancelation in order to proceed. My current financial institution, Banco Santander almost deny such letter. 
They charge {$10.00} for it and it can not be pay. They sum it to the mortage. 
I need the letter for the XXXX of XXXX. Banco Santander say that it can not be before the XXXX. 
These is clearly an obstruction for me to refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Medical debt) with Bull City Financial Solutions, Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I've contacted the company by certified letter with no response and incorrect address provided by the credit bureaus for the past 7 months. Certified letter to depth collector be returned because of undeliverable address. I've also requested validation from both credit bureaus and company directly with a certified letter with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (SD).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company NatuonStar has refused my payments. I fell behind but have been trying to pay what I owe. A few months ago I sent a {$3000.00} payment which they never put towards my debt just kept suspended, when I trod paying another {$1000.00} they refused to accept it. I pay electronically. I have called so XXXX times and they do not answer, I have been on hold for over half an hour and messages left never get a response. At my wits end I asked for help from my local XXXX and they say my loan inand I needed to pay {$6000.00} to bring it out if forclosure Which I did. They had mailed me a check for {$3000.00} I had paid over a month prior and used my own money as well as a loan from my mother. I sent a cashiers check certified mail. My XXXX person said they had received it but there would be some legal fees. The very next week Nationstar returned my cashiers check and claimed I owed {$8400.00}, ni explanation why I owed so much more in the letter. Ironically the same day I reviewed a regular invoice saying I owed {$6900.00} ... Which was the {$6000.00} plus my XXXX payment. When we called the person had no idea where the {$8400.00} figure came from and that she would get a amount to me within 24-48 hours for the total due, payments and fees and that if I overnight ex the check it would be taken care of. However she did not get back to me and when I called I was put on hold for 20 minutes. My XXXX person did get a hold of the and they now say because it 's gone into XXXX I owe {$7900.00}. They say {$1300.00} is legal fees.. Which they refused to send an itemized explain action of claiming it 's their policy not to. Had I paid before the end of XXXX, which I would have had they called me with the amount due in the 24-48 hour time frame they gave me. So instead of {$560.00} in fees thy day I now owe {$1300.00}. I personally feel even the {$560.00} seems high and wanted to bring the invoice to a lawyer to see if it 's unreasonable or not, also I should b or have to pay & XXXX extra because they failed to get back to me in the time Fran quoted by them. I feel this is extortion or fraud. I have called and left messages with a local lawyer and the South Dakota attorney generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Credit card) with Sharinn & Lipshie, P.C. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter form Sharinn & Lipshie, P.C XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, NY XXXX XXXX..stating that i owe a debt from 2009. I advised the the representative that this is a fraud debt. I have never owed this money nor have i made these charges. The representative hung up and the next day they froze my bank account. When i asked for the XXXX paper work to show that they had the right to freeze my account. They advised me that they do n't need to send me any paper work. I notified them that this is all fraud and they state that they do not care, They will continue to freeze my account. I filed a fraud Affidavit and sent it to them as well.I need my bank account release and my name remove from this debt. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 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: Account status incorrect

Complaint: I consolidated my Federal Student Loans with XXXX in XXXX 2016, but XXXX is still currently showing that I still have a Federal Student Loans with them - the 3 accounts are opened, showing the 3 accounts with a balance, showing that my payments have been deferred - in good standings, and that I still owe them. 

I have been contacting XXXX both verbally and in writing about correcting this information. XXXX is no longer the agencies for my Student Loans, the accounts have been paid in full to XXXX, the accounts should be closed - show a XXXX balance. But they have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was supposed to receive a credit for the account assure being charged on my victoria secret card and to date have not received anything. I 've been paying for this service since before  XXXX     2016. T here is no answer when you call the phone number they provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to file a Complaint against Bank of America Home Mortgage as it pertains to erroneous escrow [ Insurance ] charges to my Acct -- which is a XXXX year fixed rate conventional mortgage with a monthly fixed payment. We have provided numerous documents to B of A proving seamless, and correct coverage .I purchased my insurance through a reputable insurance agent who simply made a change in the underwriting but not in my coverage back in XX/XX/2016. There has been no lapse of coverage proven, and no non payments of the original mortgage amount. i have received a past due notice for the mounting amounts for the erroneous escrow charges. Upon visiting a local B of A office this am, i was told i must first pay the erroneous charges before they will relieve them from my account. According to the local B of A office at XXXX in XXXX, NC XXXX XXXX # XXXX, " their '' mistake has been on file/record for months but they can not correct the erroneous billing error. This is an unfair banking practice to have me, as a consumer, pay hundreds of dollars in erroneous escrow charges first BEFORE they will correct " their mistake ''. Yes, i said before B of A will relieve all escrow charges from my account. Apparently, this is a scheme to hold a loan customer XXXX, i worry that it may impact my credit as well.. Please advise -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/18/2015 about Consumer Loan (Title loan) with Auto Now Financial Services, Inc. (AZ).
Issue: Can't stop charges to bank account

Complaint: i missed XXXX payment and made arrenagements to pay in person as this company has payments coming from out my account, however they charged my account anyway and i received several overdraft fees and even when dealing with the bank they were not able to correct the issue and hug up on us. now they contantly harras me at work home via email and text message i have asked to not be called at work which i never gave the number and my company does not allow personal calls they do not respect my wishes and contact both me and my manager

Company response to consumer: Closed with non-monetary relief