milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Struggling to pay mortgage

Complaint: More than a year ago, my home ( which was an investment property was seized by the Board of Directors in a Lawsuit and Fraud was in question when the Board and the Management Company imposed a XXXX assessment on a 30 unit condo building in which I owned and rented one of the units. I currently have a lawsuit for malpractice against the attorney who handled my case. 
I have no idea who is living in my condo, and it appears that the Board and the Management Company has extended their stay. 
I contacted Bank of America 's Loss Mitigation department, and the Bank refuses to initiate any type of investigation. 
The Bank is neglecting to foreclose so I can get my home off my credit report, and is charging me monthly thousands of dollars to pay a mortgage when I wanted a Mitigation Loss investigator, and my home has been in foreclosure for more than a year. I have made this request several times and the bank refuses to investigate.

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 07/27/2017 about Debt collection (Medical debt) with ARC Management Group, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received an alert showing a collection account that I had no knowledge of. I never received a letter or call about any amount owed to this company. I was not given the proper chance or time to pay this account because I did n't received any notice. I have tried to advise that I was not contacted but no one is helping me. I see a collection account for {$34.00}. The proper steps were not taken to insure that I was aware about this account so that I can pay it. Not my credit report took a hit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (WV).
Issue: Shopping for a loan or lease

Complaint: I needed to buy a car and went to JD Byrider in XXXX WV. They say they do not do a credit check and they do not base their decision on my credit but they did. I checked my credit report and they did an inquiry on my credit. The sign out front said no credit check. I did not get a loan through them but they are false advertising I feel.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problems caused by my funds being low

Complaint: I was charged {$140.00} in overdraft fees on four transactions on XXXX XXXX, 2015 by Bank of America. I had {$53.00} in savings account linked to overdraft protection. The transactions came in the following order {$350.00} first, {$25.00} second, {$25.00} third, {$2.00} fourth. Money from savings account did not apply to XXXX transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/16/2016 about Debt collection (Credit card) with First National Collection Bureau, Inc. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: First National Collection Bureau , Inc. through XXXX is attempting to collect a debt that has long passed any legitimate time frame to collect. In FTC XXXX ( 2009 ) the Federal Trade Commission made is clear the defining terms on a legitimate collection. The first one being that is the debt collectible within state guidelines of the consumer 's domicile. This time line has passed several years ago. I have attached a copy of my complaint directly against XXXX for doing illegal collection practices and for re-aging the legal timeline for removal. I demand that my file with First National Collection Bureau , Inc. be purged immediately and permanently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: I 'm contacting you because after the XXXX breach I 'm attempting to place holds on my credit with all the bureaus and doing so with Experian has been supremely difficult to the point that I think they are purposefully trying to stop people from doing it. Both the other companies allowed me to freeze my credit over the phone using the keypad. I tried calling and waiting for 40 minutes the first time and more than 30 minutes the second before I had to hang up ( wonder if they even HAVE customer service representatives ). Then I tried to do it online, entered all my information in correctly and answered all the questions correctly THEY DENIED THE FREEZE!!!! They are requesting that I mail them a ton of sensitive information. This is INSANITY! Fix this!!!!

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 05/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This dispute is regarding student loan accounts that have inaccurate information listed on my credit report. First I contacted these companies requesting them to validate this account and the account information that they have reported to the credit bureaus and never received a response. Being that I did not receive a response, I filed a complaint with the Consumer Financial Protection Bureau against them for failing to validate their claim. I disputed these accounts and the information they reported with Transunion ; Transunion responded by stating that they verified the information was correct. These accounts are currently listed as Chapter XXXX bankruptcy, when in fact they are not in Chapter XXXX bankruptcy being that the bankruptcy was dismissed which I know that to be fact. Being that the companies failed respond to my request by validating this information, I would like to know exactly how did Transunion verify this account as being accurate and what competent proof that they received to validate this claim ; especially since neither one of these companies responded to my request and the numbers listed are not valid numbers that would reach a customer service agent. I do n't believe that Transunion investigated my dispute fairly. It 's on record that my bankruptcy was dismissed so how can these companies validate information that is not true? It is a violation of law for them not to provide validation of their claim, the account they are reporting and the information regarding the accounts ; especially if it is detrimental to my credit. I filed a claim against these companies with the CFPB in which they have not responded to my complaint either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have  XXXX  bankruptcies on my record that are not mine I 've sent in letters showed proof they advised they verify through  XXXX   XXXX  who advised they have NO RECORDS on file for me. I have filed many many disputes now it will be here and better business bureau

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Billing disputes

Complaint: Credit card merchant paid disputed charges without my consent. Merchant went on to file deceptive report with credit bureaus. Credit card company misrepresented merchant dispute later fictitiously listed as late payment, missed payment and merchant charge-off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i received a letter from this company stating that i owe there client nationwide insurance a balance of {$230.00} i told them i did n't but i was still willing to post date a payment for the XX/XX/XXXX while i contact my insurance agent and got this squared away they said that even if i maid that secured payment arrangement they are still going to report me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (Medical debt) with Grant & Weber (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The hospital had given my bill to the debt collectors who for 6 years have been sending it to the wrong address. I only found out recently about this debt when i saw it on my credit report, which it had affected very negatively. I have called the creditor collectors and told them that I never recieved a letter from them all these years if they can remove my debt from my credit report so they can give me a fair chance. They refused and demanded I paid in full in exchange for removal from credit report. This is not fair. 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 explanation
Consumer complaint received 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I am carrying a large balance on a Visa card issued through Barclays. I recently discovered that my job may soon be phased out. I contacted Barclays to request a lump sum settlement of my balance before I fall into financial trouble. At first I tried requesting that they discharge the high interest charge they had placed only 3 days prior. The phone rep kept refusing to waive any amount. I then asked for a supervisor or manager. I was place on hold for several minutes until someone else took the call. Again I was given the same speech about how they can not waive the interest. I kept trying to explain that all I wanted was to pay the balance but needed help with a discount or minor discharge on the balance so that I may pay a final lump sum settlement. I explained that I wanted to settle this account before I start falling behind due to my future employment status. Due to their continued refusal of how they could not change any information on my account, I again asked to speak to a supervising manager/director. I was again placed on hold for a long period of time. Periodically I heard clicking on my end of the phone but no one else would speak into the phone. After 52+ minutes, I heard some # key tones and then disconnected altogether. I feel this type of behavior is unprofessional and hurts the consumers who want to be able to keep a good faith relationship with these types of companies/services. It is shameful that they would rather see their consumer fall into dire financial hardship due to their unwillingness to compromise on what amounted to be a few hundred dollars to a couple thousand. When at the end of each day, they close their books largely billing billions of dollars.

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 10-02-2017 about Debt collection (Other debt) with ProCollect, Inc (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, 2017 I submitted information to the emails XXXXXXXXXXXX and XXXXXXXXXXXX at the company Procollect. They requested that I submit copies of my utility bills 3 years back proving that I did n't live at the stated address of the utility bills and a police report stating that identity theft had taken place. 

After complying with this request my account was escalated to a XXXX XXXX, who I was told would call me regarding the account. This never happened. I did however get some paperwork that stated that my accounts were now zeroed out. 

Eventually I signed up for a monitoring service and noticed there were still some issues with them. They somehow did n't connect the dots and realize that the other fraudulent account was related. 

I have since contacted XXXX XXXX at procollect and he has yet to contact me, I have not received any notice that the accounts were corrected and I have checked XXXX XXXX and I am still able to see the issue. No one else will speak to me at the company because my account has a special status and only XXXX XXXX is permitted to speak to me. 

Any assistance with this issue would be appreciated as it seems I have exhausted my own resources.

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 04-09-2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Other

Complaint: I was coerced into applying for a credit card with a larger balance at a Chase bank location, advising because I had a great credit score and debt to income ratio with little to no credit card debt, I would be approved. After waiting for several days, I called in and was told I was denied due to too many accounts opened in the last year. When I asked for more detail as that is counter to what I was advised, they refused. I then asked if I was getting a hard hit on my credit report for their mistake/mis-communication, she said yes. I was lied to and am now dealing with the repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit card () with NAVY FEDERAL CREDIT UNION (CA).
Issue: Other

Complaint: I was an Authorized user on a Navy Federal Credit Union ( NFCU ) Credit Card the account went in default, I requested that all XXXX major credit bureaus remove this negative information from my account because NFCU refused to do so even after they acknowledged that I was only an Authorized user. XXXX and XXXX removed the negative information immediately. XXXX will not remove any negative information regarding NFCU I have tried twice with no luck please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Prepaid card (Gift or merchant card) with U.S. BANCORP (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: I bought couple of prepaid cards at XXXX in XXXX, TX around XX/XX/2015. When I checked the balance couple of days later I found unauthorized charges on these cards. Someone had called and registered those cards in their name and made few online purchases. 

I called issuing bank on XX/XX/2015, they said they will send an affidavit for me sign so they can start investigation. I was told the affidavit would arrive in XXXX days, but it never came. I called again on XX/XX/XXXX, they took a fresh complaint and said the affidavit would arrive in XXXX days. Again no affidavit. I called again and again and again ... .. Finally affidavit arrived on XX/XX/XXXX!. I filled and faxed it the same day. No response from them so far. 

My funds are stuck for XXXX days. BTW, the issuing bank is U.S. Bank and the card type is Master Card ( Gold colored ). This is what they told me : certain prepaid gift cards in similar situations would first refund the money to the consumer and then they do their investigation, but not with this card. So, stay away from these type of cards ( US Bank National Association issued Master Card gold colored prepaid card ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Struggling to pay mortgage

Complaint: I have tried numerous times t o reach OCWEN to be told that I have to wait on hold for a number of callers in front of me. When my turn arrives, the automated system disconnects my phone call. I regularly wait in excess of 50 minutes, just to be disconnected. Today, I waited 53 minutes to be told by a recording that the offices were " now closed '' even though  it was  XXXX  and the recording said the office hours were until  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Credit card debt) with Weber & Olcese, PLC (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Weber and Olcese has sued me without providing any information to me. The only notification I got was from the court saying I was being sued. The debt was owed to XXXX XXXX XXXX for a credit card I struggled to pay. The amount was over {$2500.00}. I immediately called them to talk to them and find out more about what was going on. I set up a payment plan and began to pay. I ran into a hardship and was unable to pay one month and they immediately went to the court to get an order to garnish my bank account, both checking and savings. They stole over {$2000.00} in my student loan money without notice. From what I 've read, that in itself is illegal, to take federal student loan money. They blamed the bank for the amount of money they took and said it was up to them. I checked this with the bank and they vehemently denied that and said that they were only doing what the court order said. They refused to release the funds back to me and continued on their business. I once again set up a payment plan. This time I had learned a lesson and was faithful to my payment plan. The agreement was to pay {$50.00} every month at the end of the month. I did so, yet after I made my second payment to them, they garnished my bank accounts once again. I was told that once I made an agreement to pay monthly installments, this would n't happen. Needless to say, I am beyond furious because this is the second time they have taken every penny from me and left me without rent money, jeopardizing my housing situation. I believe this is poor conduct and probably illegal. I called them after finding out about them draining my account and they would n't talk to me about why this has happened. They say there was no payment agreement in place but I explicitly remember having a conversation with XXXX XXXX. He failed to put that in place or to even make a notation on my account to indicate such an arrangement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2017 about Debt collection (Medical debt) with RS Clark and Associates, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: R.S.Clark and Associates are inaccurately reporting to my credit repor t (  XXXX  &   XXXX   ) a debt that does not belong to me. This debt as been disputed several times and they are continuing to report it as " verified ''. This debt collection ag ency is in direct violation of my rights and the Texas law by not being properly licensed and bonded in the  State  of Texas to be a debt collector. They are reporting false information monthly on my credit report, as well as not being legally authorized to do so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is  my 3rd attempt at  trying to resolve this matter with FEDLOAN.    FEDLOAN re fuses to update inaccurate and misleading information on my credit report. Due to the multiple number of accounts listed with this servicer, the reporting of this erroneous information has caused me missed opportunities for lower interest rate opportunities as well as caused me great   XXXX     XXXX  and  XXXX  trying to communicate and appeal to the servicer to adhere to the FCRA advisory opinion which is attached and thus state s : " Section 623 ( a ) ( 2 ) of the FCRA addresses the  duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. (  1 ) T hus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. ' ' FEDLOANS failure to u pdate the CRA of the RETROACTIVE forbearance status that ultimately corrected the late payment history is a direct violation of the FCRA S ection 623 ( a ) ( 2 ) as well as Section 607 ( b ) which should promptly be addr essed.

Company response to consumer: Closed with explanation