milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2018 about Mortgage (Conventional home mortgage) with Paramount GR Holdings, LLC (CO).
Issue: Trouble during payment process

Complaint: I was in the process of refinancing my home past autumn. Told my they would need $XXXX for my home to be appraised. On XX/XX/17 they took $XXXX out of my credit card. Then I was told there could be no peeling paint on my house and to fix my house for the appraiser. To paint in XXXX. in Colorado in not an option. I changed my mind and backed out of the loan. I wanted my $XXXX  back as they assured me I could do. Have not been able to get my money back. Have not been able to even get a phone call back. I have called many times. No calls back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2016 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (VA).
Issue: Deposits and withdrawals

Complaint: I deposited a check for {$160.00} into my XXXX XXXX acct on XXXX via mobile deposit. I do not get credit for this deposit until XXXX. That is too long. The {$160.00} check cleared my acct at my credit union on XXXX. Is this a violation of Reg E?

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Closing/Cancelling account

Complaint: I arranged for a payment plan to make good on late payments and when I attempted to initiate the payments, Citi informed me the account was closed and they could not enforce any agreement. Over the last 2 years I contacted Citi via certified mail at the address indicated in my credit report to confirm the balance amount and to enforce the payment agreement and they repeatedly did not reply. Since this is in contravention of credit reporting standards, I have legitimately asked them to stop reporting the debt and no effort has been made to comply with my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Overcharged financing. After XXXX minutes on the phone with a rep who barely spoke English she could not give me a reason why I was charged 24.75 financing on a card account with a {$25.00} balance. One purchase of {$25.00} with a financing rate of 19.9 % should n't accumulate a {$24.00} financing. The reason she kept giving me was its a " Daily Variable Rate ''. So I paid it ( {$49.00} XXXX just so I can find a new credit card company and not have to deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Original credit card account was opened in XXXX. Last payment on the credit card was made in XXXX. In XXXX, I received notice that they were going to put my house on the sale list to pay off the debt. After working with an attorney we resolved the issue and they took it off the sale list. In XXXX, I went to mediation and met with representative from the collection company and provided all information requested. Since that time we have heard nothing in regard to the debt. On XXXX XXXX, after logging into our online banking saw our XXXX banking accounts were all negative XXXX. We called XXXX XXXX XXXX to resolve the issue and was notified that our accounts were put on hold because they were now to be garnished by the state of texas. No documentation was provided by the debt collector since XXXX. They explained that they tried contacting us in XXXX to an address that we had n't lived at for XXXX years. No phone calls were made and no other certified mail had been sent. Address changes were made each time we moved. He explained that was n't his problem to keep current information, although he had my current phone number and mailing address on file. We are now without any money and XXXX kids in our home. XXXX and other money is all gone. There are no judgments or liens outstanding on us.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Deposits and withdrawals

Complaint: My wife went through the drive-thru at Bank of America on XXXX. She had XXXX checks totaling {$5100.00}. She deposited {$4600.00} and took {$500.00} in cash. She received a deposit slip which showed {$4600.00} deposited. I received a letter on XXXX stating there were only XXXX checks and that {$25.00} would be taken out of our account. How can they do this once we have a deposit slip proving what we deposited. They could claim they did not get any checks or even a teller could take it. In this case they found the check XXXX days later and put it back into our account but if they did n't what would happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Holst & Boettcher, LLP (CO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Holst & Boettcher  continue to harass and use demeaning effor ts of contact. Holst & Boettcher has come to my place of employment to serve dated and inaccurate information. This is both demeaning to my reputation and unnecessary. It may be a violation of both legal and consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Consumer Loan (Vehicle loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (CO).
Issue: Managing the loan or lease

Complaint: I refinanced my auto loan. On XXXX XXXX I overnighted a check to SNAAC. On XXXX XXXX I called to verify they received the payment for the full loan amount and to make sure they would not pull funds from my account. I was told that no payments would be taken because they did receive the check. In fact, I was informed that I had a XXXX dollar credit that would be sent to be my mail. I was lied to. my full regular loan payment was withdrawn on XX/XX/XXXX despite being told that would not happen. Luckily I had the funds in my account, but with it being SATURDAY I am left with little to take care of my family this weekend. I called my bank but the process on their end takes up to 45 calendar days. I am really disgusted that a company can do this to people. I was given a blatent lie, and I feel like they told me what I needed to hear to get me to go away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Mortgage (FHA mortgage) with EMBRACE HOME LOANS (GA).
Issue: Application, originator, mortgage broker

Complaint: I was refinancing with the same company I started my original loan was with, which is Embrace Home Loans. during my refinancing process the loan officer assured me with a signed contract that as long as my appraisal came back with at least {$100000.00} I can get up to {$13000.00} cash back and about {$3500.00} debt paid. needless to say, after paying {$500.00} for an appraisal that came back at {$110000.00} the refinance is not going through. per my current loan officer ( XXXX XXXX ), the {$5000.00} that I received for down payment assistance through XXXX has to be paid back. this was n't informed at the sign of my original loan nor did my current loan officer know this either. he said to me, " all the loans he has seen in the past those loans have been forgiven after 5 years ''. therefore, he told me to call and check on it. of course, XXXX states i owe the money. Now, there 's a {$2000.00} modification lien i did in 2014 that according to my loan officer denies me from refinancing for 3 years and 1 day ( it 's a hud modification ). I 'm not sure, I 'm in the process of getting those papers. my complaint at this time is the fact that i was told to pay {$500.00} for an appraisal without the loan officer looking though my paperwork thorough because he wanted to close early over efficiently. what i want is a refund of my {$500.00}. i was trying to refinance to get out of debt, now I 'm {$500.00} more in debt. i ca n't afford my current mortgage and all the extra bills that come with. I 'm tired and i need help! please!

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: hi - everyday i receive calls from southwest credit systems, XXXX for someone else to my tel # listed in desired resolution field. they call every day sometimes 3 times a day starting before XXXX. they were told a year ago the person they are trying to reach does n't live here. i am a senior citizen and this is n't right. Now they call and ring three times and hang up if i do n't answer. It is harrassing they call me for a debt i do not owe. 
collection tele # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian has been provided with prima facie proof that fraud is involved with respect to XXXX XXXX XXXX Account number " XXXX ... '' ( Truncated on Credit Report ) yet elects to be willfully complicit in said fraud with XXXX XXXX XXXX. 

Experian has a fiduciary interest in asserting that said account number was 30 days late when it knows of said fraud and is thereby engaged in racketeering. After being provided with proof, Experian has engaged in willful obstruction by not permitting us to dispute the account online citing that our disputes are frivolous. 

Our disputes can not lawfully be deemed frivolous since Experian is aware of the Fraud. 

Populating our accounts with " Fraud Alerts '' ( as Experian has done in it 's efforts to willfuly obstruct us ) does not exonerate it 's responsibility under the FCRA. Populating our accounts with Fraud Alerts causes injury to Experian 's claim that no Fraud is involved. 

This is Experian 's Notice of Intent, binding upon it in with respect to administrative body or court of law that it has now violated the Fair Credit Reporting Act on several counts. 

I kid Experian not, we will wind up in court REAL FAST if the derogatory information for this account is not removed from our credit reports soon.

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: " XXXX XXXX XXXX/NELN '' and " XXXX XXXX XXXX XXXX/XXXX '' both appear on my [ XXXX ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Equitable Acceptance Corporation (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX I decided iwanted to get some help with my student loans ; have my loans forgiven or reduced.I then started doing my research and came across XXXX XXXX i gave them a called andspoke To XXXX XXXX I briefly told him about my stitutaion, He then Instantly told me that he could help me, and i came to the right person.He told me how XXXX XXXX been around for a long time, helped millions of students around the world with their loans and also XXXX XXXX was apart of the obama student loan forgiveness.He then asked me for my ssn DOB address, place or employed and so on. so he could get started, I proceed by doing so.After I was finishing giving him all my information, he told me that he would get back to me in a week or so he had to send my information to the DOE. after a week i notice that i was getting calls from different numbers, i got scared and told them to cancel my application.on XX/XX/XXXX a charger of XXXX was posted to my Credit report from equitable Acceptance Corporation on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (I do not know) with Harris & Harris, Ltd. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Harris & Harris Debt Collection Agency calls my home number nearly on a daily basis and has been for several months. My credit is in perfect standing. At first I assumed it was a mistake, but I continue to have robo messages left on my answering machine and asking me ( only using the word you, not my name specifically ) to  call them. First off, it 's difficult for me to take a business seriously who is trying to collect a debt using an automated call. Second, in light of my 1st statement, how do I know this is n't a deception by a criminal attempting to dupe me into giving out my hard earned money. Lastly, I 'm looked at as a tier 1 borrower and all my lenders are in good standing and if Harris & Harris is a legitimate business they need to quit harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Medical) with United Consumers Inc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2015 I had a XXXX ordered by my Doctor. Medicare refused to cover the cost. So, XXXX turned the bill over to a debt collector. I appealled the Medicare decision and they reversed their earlier decision and paid XXXX. Meanwhile I keep getting dunned by the debt collector since it appears they do not know that Medicare paid the bill and they ignore my communications.

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 09/23/2015 about Debt collection (Medical) with American Collections Enterprise, Inc. (WV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Received credit report and noticed that an account was turned over to collections. I was shocked and appalled. Do not recognize this account. However I do recognized XXXX XXXX. Services were provided in 2013. I never received any notices that bill was past due. I also felt that XXXX was to have filed a claim on my behalf in accordance with XXXX procedures. I checked with MEDICARE and was informed that they show no records of any claims in the amount of {$850.00}. A duplicate bill in the amount of {$850.00} along with XXXX form was sent to XXXX. XXXX stated that in order to process bill, I must completed the XXXX form and return along with the bill. No correspondence ever received stating that claim had been denied. Lead to believe that bill had been processed. Feels like I am getting the run around and am being penalized for the non-actions of others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have previously sent letters requesting verification of debt to Collection Bureau of For XXXX XXXX for two accounts and XXXX XXXX XXXX immediately after noticing the collections on my credit report. They have sent me copies of bills with procedures performed with my maiden name, XXXX XXXX, and my birthday, which I have not used since 2010. I also had to give them my address because the address that they had on file was not mine. I made copies of these letters and sent them to Equifax with a letter explaining that the bills did not belong to me. To begin, the bills that were sent did not have my signature, a name that I actively use nor an address that I actively use. Furthermore, I was insured when the bill was incurred. I requested that Equifax send me the documentation that was sent that convinced them to verify the debt. Equifax responded by telling me that they could not and to speak with the company directly, which I have done for multiple years now. XXXX and XXXX was unable to verify the collection so it was immediately removed. However, Equifax refuses to remove incorrect information from my credit report. I will seek legal action if this issue can not be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Delinquent account

Complaint: My brother has a Bank of America credit card he quit paying on a few years ago when he lost his job. He XXXX is a U.S. Army retiree with XXXX, XXXX, XXXX and physical injuries XXXX. He has an XXXX and needs another XXXX. He had XXXX XXXX about 2 years ago, he has spent months in XXXX to no avail, he has had to call XXXX three times in the last few months as he has no memory and takes too much XXXX forgetting he alredy took it. He can XXXX and can not manage his affairs. He lives on about {$1400.00} per month and Bank of America is trying to garnish his bank account where his XXXX social security is paid into. Bank of America has been provided all this information but persists in collection despite having proof his only, meager income is exempt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with DISCOVER BANK (FL).
Issue: Getting a line of credit

Complaint: I was denied credit by this lender and the fact they w ere notified my credit reporting with all three major agencies was never noted on the rejection letter. Furthermore since bankruptcy I have NOT been in collection. We have no way of knowing who these other agencies that report on us are and as with XXXX XXXX who had the incorrect information. Do the others such as XXXX XXXX Or XXXX have similar incorrect information? My concern is where did they gather this alleged information since

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient loan ... XXXX XXXX XXXX, XXXX, XXXX ... XXXX XXXX XXXX XXXX wants to be released. 
# XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has submitted paperwork to release co-signer XXXX XXXX XXXX from loan. 
Navient has not responded, in violation of their stated protocol for releasing co-signers two weeks after paperwork is submitted. Why is our son being discriminated against? XXXX XXXX XXXX is retired and needs the peace of mind to be released from XXXX duty. XXXX XXXX XXXX, XXXX is paying loans on time by auto pay on schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (Non-federal student loan) with URS Holding, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( Enterprise Recovery Systems ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX the loan servicer, Enterprise Recovery Systems ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . Enterprise Recovery Systems reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX. The representative from Enterprise Recovery Systems further advised me that XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " Enterprise Recovery System '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was told previously that my payments could not be reduced and so I was told i should go into forbearance so I did not have to pay anything back at the time. however, doing so my loans collected lots of interests and now I have to pay a very large amount of money back and can not afford it. I am now in the REPAY program and of course that balance is still collecting interests. Their is no lead way for borrowers struggling such as myself to have my loan forgiven or even a partial. I have been with my XXXX job for 3 years gping on XXXX in XXXX and the fact that I am not a full time employee I do not qualify for the loan forgiveness. I believe being with the company for this amount of years should could as some sort of acceptance to have my loan forgiven. the years should factor into this option of loan forgiveness even if it is not the entire loan. I was tricked into going into these plans that only made it harder for me to have the ability to buy a home or car without having a co signer. my credit is only ruined because of my loan. My loan was taken out at University XXXX XXXX. The fact that people have to pay such large amount to attend school is what makes people not want to attend any longer, thus causing the higher education rate to decrease tremendously.

Company response to consumer: Closed with explanation