milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I stopped making payments over 7 years ago to this loan and the bank never foreclosed on the property. They file foreclosure papers in XXXX XXXX, then voluntarily dismissed the case in XXXX XXXX. Case number XXXX is on XXXX XXXX XXXX XXXXXXXX XXXX & XXXX & XXXX XXXX I have not made any payments since XXXX XXXX. This mortgage tradeline fell off of my credit for a brief period last month and then was added back in due to some escrow reversal payments that Bank of America performed and are incorrectly stating that I have made payments. I believe this was done in order to reactive the delinquency period and I do n't believe this is legal. 

Attached are a copy of my XXXX and XXXX XXXX bank statements. 
The XXXX statement shows the bank made Escrow Payment reversals on my behalf in order to reactive the late payment status. The total amount was {$24000.00} I believe they did this knowing that the 7 years of late payments were going allow the tradeline to fall off my credit which it did for a few days. 

Along with that I will now most likely receive a IRS XXXX form for Interest I did not pay. 
XXXX statement : Principal Balance - {$160000.00} Contractual remaining term - 26 years 8 months Total Amount Due - {$73000.00} Days Delinquent - 2512 days ( PDF page XXXX, Delinquency notice ) XXXX statement Principal Balance - {$150000.00} Contractual remaining term - 24 years 2 months Total Amount Due - {$49000.00} Days Delinquent - 1628 days ( PDF page XXXX, Delinquency notice )

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX, XXXX, XXXX and Greatlakes reporting loan payments 60-120 days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with M.A.R.S., Inc. (MI).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Tried to call company and ask for information about debt. Caller took down my information and explained to me the debt which was fine. Then I started asking credit information as far as will it be removed from my credit report once it is paid. She told me that they made several attempts for me to pay the debt and I would not so therefore they are not going to take it off my credit report even after I pay it. I told her, I never heard of that, usually if you pay it they will take it off your credit report unless it is public records. She said I need to do my research, got mad at me for disputing what she told me and hung up on me. So I called back to try and talk to another rep. I explained to her what had just happened and she was being just as rude and told me the reason why she hung up on me is because They Are Busy. I told her they are rude and do not worry about it and I hung up. Then I called back just to get the company name.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MI).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have a Chase credit card, and have it for 8+ years. I always pay my statement balance in full, and therefore am never charged interest. However, this past month, I did not pay my full statement balance. This left a difference of {$140.00} subject to interest charges. However, on the following month 's bill, my statement said {$820.00} was subject to interest charging. 

I called Chase to get an explanation. They could not provide an explanation, but credited my account for the full amount of interest I was charged. This makes me worry that Chase -- a large financial institution with a history of deception practices -- may be overcharging consumers. I consider my knowledge of finances to be above-average. But I fear that the typical consumer would not raise any issue, and then be overcharged for interest they should not be paying. 

I would appreciate someone investigating this potential abusive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (I do not know) with Midwest Recovery Systems (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Per the Fair.debt collection practices act and the fair credit.reporting act All debt have to be validated and the consumer have the right to dispute the debt before a debt collection agency report it. I did not receive this from the company as the company reported this information before I was given the right to dispute and the information was validated. Therefore they violated the law. I want this information deleted off my credit report. I 'm sure that other consumers was treated this way, I have consulted an attorney for a possible class action suit

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I opened a savings account at Chase Bank on XXXX/XXXX/15 with a {$1000.00} cash deposit. This money was the security deposit for a rental property. When I asked Chase Bank why I could n't see this account on my online banking I was told they could n't find my savings account. The banker I spoke with made some phone calls and he was told that the account was closed because there was no activity on the account. However, there was no letter mailed to me advising me of this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is the bane of my existence! I have been dealing with them and these issues for over 3 years!  They lie through their teeth about actually taking care of anything. I have been the victim of identity theft about 3-4 times so there is all kindf variations on my name. Bills, addresses, and phone numbers of states I never been to like FLORIDA! I was told I needed to reestablish  credit. I tried, and due to their incompetence, I was turned down. Also medical bills are on my account that the hospital never reported to my insurance company due to the fact they illegally held me against my will. I called my insurance company and they had no idea that I was admitted to a hospital in Ohio which abused me,  and tried label me XXXX XXXX to protect themselves and retaliation. Medical doctor laughed in my face, and bragged they were teaching me a lesson for reporting their illegal practices to the federal government. I confronted the hospital, and they claim there are no records of me that exist in their databases. XXXX is not doing their job. I plan on suing them if I have to for damages because of all the hassle, and frustration this has caused. Enough is enough!

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 09/20/2017 about Debt collection (I do not know) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NATIONWIDE RECOVERY SV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious NATIONWIDE RECOVERY SV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Account Name : Credit Protection Association Account XXXX This account is not mine as my social security number was given by another person, Identity theft, and no valid and consistent explanations of fraudulent debt This account was disputed directly with Credit Protection and they continue to fail to provide adequate proof of this account. This account is disputed as : -This Creditor, Credit Protection Association , has been verified through Florida Office of Financial Regulation , as NOT having an Active License in the State of Florida . - this account belongs to my Ex-husband and I was never notified or have permission for him to transfer his account to my Social security number. -I was never notified of this debt, even with my address change & forwarding set up & documented with USPS . -No Signed Contract & account was " Transferred to my social '', without my knowledge & permission, and not created by my with approval. -Multiple changes in explaining the charges of this disputed account. -When asked, the Credit Protection rep confirmed that His Social Security number used to create the account was not valid, thus leaving my social security number, fraudulently added, on account. -When asked for Proof, I was sent print screens images of the Amount due, not a detailed list of charges they are billing for. I was told XXXX different excuses on why the account was originally reported as {$370.00} but now reports as {$630.00}. -My name is reflected wrong on this account. This is the only account that reflects my name wrong, XXXX XXXX ( Identification number XXXX ). I never have used or authorized this name to reflect as such. All Aliases are reflected on my credit report. This disputed & fraudulent account is the only account reporting a wrong name. Lastly, I am demanding this account be removed as I have provide adequate reasons to why this debt is fraudulent & not mine. In the event that no record exists, please delete this damaging account information. <P/>Account Name : Credit Protection Association Account XXXX Your report number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We requested to Green Tree Servicing to terminate PMI on our mortgage on XXXX XXXX because we have paid over 70 % out of the principle and PMI should be terminated immediately. The customer service told us that we have to do appraisal and we have to responsible cost of that to process any further on PMI request. As we do research the PMI should be automatically terminated after you paid over 22 % of the principle. Green Tree Servicing is trying to keep us paying on PMI which is technically illegal and they refuse on the process if we do n't do and pay for the appraisal first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with MORGAN STANLEY & CO. LLC (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This complaint is necessary to ensure the recovery of a collection firm 's fee s (  excessive relative to the small size of the note ) are not the determining factor in a foreclosure sale currently set for  XXXX   XXXX . Consideration of that issue is requested relative to mortgage complaint #  XXXX , as well as directly related complaints #  XXXX  and #  XXXX  on the issues that precipitated the collection action.

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I disputed a Chapter XXXX Bankruptcy through a letter to TransUnion ( TU ) dated XX/XX/XXXX. I received a letter from TU dated XX/XX/XXXX, which discusses their investigation procedure for public records. They said in their procedures they will either make changes to my credit report with the information I provide or they will investigate the dispute by contacting the source of the information. In this case, the source of this information is the Indiana Federal Court-XXXX. 

I received the investigation results from my dispute with TransUnion dated XX/XX/XXXX. The bankruptcy record on my report is " updated, '' according to TransUnion. They failed to remove this Chapter XXXX Bankruptcy from my report. 

I previously sent a letter to the Indiana Federal Court-XXXX, asking how they verify information with the credit bureaus. They state they have " no control over the information added to or appearing in credit reports maintained by credit reporting services ... '' Also, I have have completed security freezes with XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). 

All documentations are attached to this complaint.

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 04/18/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I ca n't access all my credit cause at the time to verify my past information it those not matched and is because i have some stuff under my credit that is not supposed to be in my credit and that i dont have no idea what they are

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with ERC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted this company and asked them to cease and desist collection because the account doesn't belong to me. They removed from my credit profile, waited a few months and then started back reporting. I have a letter stating they would remove it. I am filing a complaint to get them to have them cease and desist and sent back to creditor to find out who account it really is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion has been reporting on my credit report since 2013 charge off bad debt on XXXX account ending in XXXX. This was sent to court in XXXX 2013 with a ruling of dismissed with prejudice and also stating I am not liable for said debt account. I contacted XXXX in whom the account was sold to. The case has been deleted with them and also they reported the corrected information to all three credit reporters on XXXX XXXX, 2013 with a AUD number of XXXX. However it continues to be reported as bad debt and derogatory. I have enclosed the court documents an advise Transunion to delete this account off my credit report and I can not imagine how this has impacted my scores and credit worthiness. Your company did not investigate this as then you would have found out if you contacted the proper channels this debt should not be reported in such a manner. Please take note of the violation in place here on your company for doing this for almost three years. Take it off thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I feel that I was given bad information and encouraged to put my student loans in forebearance, rather than other reasonable options, income driven payment, nurse loan assistance etc. I was never given information and encouraged into forebearance, now my interest and student loans are well out of control in excess of {$450000.00}! I feel lost, a victim, scared for my family 's finincial health etc

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Last week Equifax improperly handled my wife 's and my own credit reports. They are offering a year of free credit monitoring through their own provider. Most likely our compromised information will come in to play years from now and could potentially effect us for the rest of our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been a long term customer with Navient. I was never afforded the opportunity to to apply for an income adjustment because I was always pushed to a deferment although I stressed I was unable to afford payment. In addition, my account suffered XXXX days past due and has affected my credit tremendously. The representative at Navient never tried to accommodate me in my best interest. Therefore, my accounts are in distress as well as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a XXXX in state of California with my dad. We opened the company back in XX/XX/XXXX and had some employees at the time. So we fell behind with payment for Employment Development department ( EDD ). So in XX/XX/XXXX and XX/XX/XXXX they put few liens on the accounts. Since then we resolve all the past due balance with EDD and are in good standings, but they wo n't remove the state tax lien from my credit report and is really frustrating. The name of the business is XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Managing the loan or lease

Complaint: My Vehicle was Reposed Due to my Late payments and a Botched agreement with my Finance Company Santander. 
When the Vehicle was Reposed by a Contracted Truck Company that is when the Problem Occurred. I was Assaulted by the Truck Driver and Damage was Done to my Vehicle in the amount of $ XXXX {$8000.00} to the Side Passenger Side Door Panel ( Exterior ). 
Which resulted in the Police being Called by Me and a Police Report Filed and Charges being Brought up on the Truck Driver. The Company ( XXXX XXXX ) of Arizona. 
Police Report # XXXX From the XXXX, Arizona Police. 
This Incident Resulted in me Losing My Job ; Because the Incident took Place at my Employers Parking Lot. There is a No Tow Truck Zone Filed with the State of Arizona for My Previous Employer 's Parking Lot. So, The Tow Truck was there on the Property & Premises against A Written & Filed Order. 
On the 2nd Repo My vehicle was Damaged in the Interior Driver Side Arm Rest attached to the Driver Door as well as Theft of my Belongings. 
List of Belong 's : 1. XXXX ( XXXX ) 2. XXXX XXXX 3. XXXX 4. XXXX 5. XXXX XXXX 6. XXXX XXXX 's 7. XXXX The situation with the License Plates Has caused me to be pulled over by the Police on XXXX Occasions and Ticketed on ( XXXX ) Occasion. 
Causing Issues to my Life and way of Living. Stated Below Pain & Suffering * School Work not being Completed ( Due to Stolen XXXX ) * Lack of Job Search & Employment Retention ( Due to Stolen XXXX ) * XXXX ( 2 ) Piece Special Order for a XXXX I 'm apart of & Paid to be a Member of ( Loss Wages ) {$400.00} XXXX @ XXXX XXXX Missed ; Due to XXXX. {$1200.00} Loss * XXXX having to be reordered thru the state of Minnesota {$10.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Bank of America will not return my calls I 've tried many times and I get forward to a voicemail manager who never return my calls. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation