milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
Issue: Loan modification,collection,foreclosure

Complaint: We filed our Chapter XXXX bankruptcy in Iowa in XXXX, it was granted effective XXXX XXXX. It was discharged in XXXX. Our mortgage company at that time, Bank of America, held XXXX mortgages. Both were filed with the bankruptcy filings. We received paperwork on XXXX mortgage, but not the other. I called BofA to inquire and they said only that no further money was due on the second mortgage. We proceeded with the filing, leaving the second mortgage amount listed. Although we did not discover this until much later, in XXXX of XXXX an " Insurance Company '' filed a lien on our property for the original amount of the second mortgage, almost twice as much as the amount I had contacted BofA about. We had never heard of the Insurance Company. I tried to contact the Insurance Company, sending XXXX or XXXX ( ca n't remember ) letters and calling on several occasions, but was never able to connect with anyone either by letter or phone, getting no return mail or telephone calls, even though I left several messages. 
We first learned of the lien after the bankruptcy was discharged, when we tried to get a mortgage on our home in order to do some necessary repair and major maintenance work. Due to the presence of this lien, which we knew nothing about, we were unable to get a loan of any kind. They have never contacted us or tried to collect, except once, after receiving notice from the court that the bankruptcy was discharged. They apparently contacted Bank of America first, and were told contact us, asking us to tell Bank of America to send them any money that BofA had collected during the bankruptcy that belonged to them. I did so, apparently BofA did send them a check. During my conversation with BofA, I learned that BofA had purchased " mortgage insurance '' from this Insurance Company, and the Insurance Company had paid off the loan to BofA, which was why it showed that nothing was owed to BofA on the second mortgage. 
I think this entire exchange was underhanded and possibly illegal. We were not told the loan was sold. Can you help us to clear our title of this lien? Thanks for any help you can give.

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 08-07-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: It seems that my mortgage company is holding partial payments I make in an account they call unapplied funds. The funds are not applied to the balance until the due date, not the date they were received. And if the partial payments do equal the total payment due by the due date, then nothing is applied until the total payment is received. 
It seems to me that holding the funds, since there is no prepayment penalty, gives the mortgage company more interest. And would defeat any attempt on my part to cut the interest by making early payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Other debt) with Capital Credit and Collection Service, Inc. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I had student tuition fees that had been unpaid and I got taken to court for them on XX/XX/XXXX, by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. We negotiated the amount down to {$1400.00} being owed by me and that I would pay {$150.00} on the XX/XX/XXXX of each month for 12 months to XXXX. I called the office and set up automatic payments, Ive paid two payments of XXXX so far. I received a letter on XX/XX/XXXX from XXXX saying I was being contacted for debt collection for {$3900.00} being owed to XXXX XXXX XXXX ( the original debt amount before negotiated and settled in court ) and to call XXXX at XXXX. I do not understand why I am being contacted for a debt that has already been settled in court and Ive also made payments toward. I have the case number and documentation stating these things.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit card () with First Data Corporation (IA).
Issue: Closing/Cancelling account

Complaint: I received a telephone solicitation from XXXX offering to handle our credit card processing at my business. I asked if the agreement was cancel-able and was told yes. I received equipment from the companies provider and one of my employees set it up and started to use it, but I disconnected it, and called XXXX to cancel. All equipment was returned to First Data. It took many weeks to get XXXX to cancel and in the mean time my bank account was charged for lease payments. I called First Data Systems to tell them I had cancelled but was referred back to XXXX. First Data is now trying to collect XXXX dollars for the cancelled lease. I requested they stop withdrawing payments from my bank account but they continued to do so I finally got the bank to quit accepting their debits. First Data have turned this over to a collection agency who says they will charge us XXXX dollars to settle and garnish our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: University XXXX report debt to GLA collection after my health insurance paid for my child doctors visit. I contact GLA and show proof that bill was paid by sending them a EOB an explanation of benefits that show proof that they have paid. The collection company refuse to remove inaccurate information from my credit report. I do not owe this debt they need to remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Debt collection (Payday loan) with NPS GROUP (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX with the NP Group XXXX called me about a online loan that he was trying to collect on. He had my social security number and the last XXXX of my checking with an address I lived at from late XXXX until XXXX XXXX. He said the original amount was XXXX but with the fees and interest it was at XXXX now. He said I could pay XXXX to satisfy this debt. I asked for the name of the company the debt came from. He told me XXXX XXXX XXXX. I asked him for their contact info at XXXX XXXX XXXX and he told me that he did not have that. I do n't believe this is a real debt and suspect it it is a scam.

Company response to consumer: Untimely response
Consumer complaint received 07/14/2015 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Balance transfer

Complaint: I opened a credit card with American Express with the express purpose of transferring a balance from another American Express product. This was clearly stated in the conversation that I had with the American Express representative. Not only did she state that I could transfer the balance, but that it would also be allowed under the 0 % for 6 months offer that they were running. I opened an XXXX account at that time. When I called to transfer the balance, they told me that they could not transfer balances between American Express products. They offered no remediation. I subsequently closed both my new " Blue '' card and my American Express " Green '' card. I still have the " XXXX True Earnings '' card that was the original card from which I wished to transfer the balance. I feel that the American Express agent selling me the credit product intentionally committed fraud to make a sale. I have reported this to their own fraud department who refuses to call be back at this writing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NRA Group, LLC (DE).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a copy of my credit report, and that is when I notice the collection account for National Recovery Agency. I was never notified by the collection company, so I was unable to dispute the account for which they are reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
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: There is fraudulent accounts on my report. I have asked for them to supply me with the contract I have with these companys. I have asked for them to show me the original contract with my wet signature. And said audit trail. They did not supply me with that information nor did they remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (MA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: I bought a Netspend card at XXXX in XXXX, MA on XXXX XX/XX/2018 at XXXX XXXX  for {$68.00}. I called the company and activated it then attempted to use the card but It wouldn't work. I called Netspend back and tried to resolve the issue the same day. I ended up asking for a supervisor. While talking to him they said they could issue a refund and it would arrive in 7-10 days. I told him that would take too long and asked if there was any other way to resolve this sooner. he said no. I then informed him I rather keep the card and he told me it was too late they had already cancelled the card. Since this started I have spoke to Netspend around 5 times and XXXX around 5 times as well. It's been 17 days and I have yet to receive a refund. There is no tracking number and no one will further assist me. At this point Netspend constantly claims " you will receive it by mail tomorrow, '' which is never true and XXXX refuses to help at all aside from telling me to call Netspend. Hopefully you can hold XXXX responsible as well as they refuse to take any responsibility at all. I just want my money back and I feel like I have been robed by XXXX and Netspend. Neither seems to care at all.

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENT, I WAS XXXX  TO XXXX BACK THEN AND MY PARENTS MADE A MISTAKE AND ONLY ONE PAYMENT WAS NOT SENT ONETIME.
I TRIED TO CALL THE MTG CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE.
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARK FROM MY CREDIT REPORT I NEED TO REFINANCE THIS HOUSE.
MY RECORD IS SPOTLESS EXCEPT THAT TINY TIME WHICH I WAS NOT AROUND.
APPRECITAED

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 03-03-2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Check systems is continually breaking the law and they lied to me and when I attempt to have them talk to them North Carolina attorney general or the local police they refused. They have been reporting XXXX accounts XXXX being XXXX and the other being XXXX and they have been reporting this since XXXX. I proved that these accounts were not mine and yet check systems feels it 's in their power to ignore the law or overwrite the law with their policies. When I attempted to correct them they refused and hung up on me. Instead they would rather harm me by reporting known and proven fraud as if it 's mine instead of doing the job that they 're supposed to do and investigating properly. My XXXX account is now owned by XXXX and XXXX has already given me the identification number for them attempting to get check systems to remove the reporting of their account because they know it does n't belong as being reported to check systems. I 'm going to include ChexSystems lies where they say that they contacted the financial institution and verified it in the financial institution says they never called. So I 'm calling to report ChexSystems has breaking the law ignoring the law and thinking their policies supersede the law. I was exonerated of any wrongdoing fraudulent by the police and the courts period ChexSystems seems to feel that a police report has a statute of limitations on how long it 's good for the same offenses. They need to be told very clearly that there is no shelf life for fact in the law and they can not stop doing something because they believe they 're right when they are a XXXX percent wrong. So I 'm hoping that the Consumer Financial Protection Bureau can get check systems to do the right thing and hold them accountable to Breaking the Law because my account was closed because they wrongfully reported XXXX and XXXX up until XXXX of XXXX My First Merit account was closed in XXXX of XXXX because of that wrongful reporting period chexsystem refuses to acknowledge anything except their lies and wrongful treatment of customers.

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 11-03-2017 about Debt collection (Medical debt) with Kansas Counselors of Kansas City, Inc. (MO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They are calling my job and my cell phone all day long. I am XXXX, work part time and have no way to pay this emergency room bill. I have explained that they are wasting their time but they keep calling and calling my employer is going to get me in trouble.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2015 about Consumer Loan (Installment loan) with Quick Click Loans, LLC (GA).
Issue: Problems when you are unable to pay

Complaint: I took a loan with Brookwood Loans ; XXXX, Ga. For XXXX months. After about a year, I was hurt on the job ( still not working ), I was Late with XXXX ( XXXX ) payment, over XXXX days. I then came back and paid the whole loan off early ( almost XXXX months ). They reported the late payment to the credit reporting agency. My complaint that even though I made XXXX mistake, why am I not allowed another chance? They say they would be lying if they told the credit reporting agency that we corrected this situation, what if I told everyone I knew not to do business with them and all their new business stopped!!! How does that work?!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I went to XXXX Jeep/Dodge dealership only to inquire on a vehicle that I saw online. They had me fill out a what they called " a survey '' asking basic info and what kind of vehicle we currently drove. They said it was to see what prize we won because of special promotion that day. They gave us a scratch off lottery ticket ( our prize ) then told us the XXXX we wanted to ask about was actually {$11000.00} more in price. I did not fill out a credit application as that vehicle was more than I could afford. My last words to them were to please not run my credit since I was not interested in the vehicle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SECURITY FINANCE CORP (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Security Finance of XXXX, Texas has been calling me to collect a debt. They have called me numerous times at work. The calls started XX/XX/XXXX in which Security Finance contacted the Administrative Offices at my Job. I was sent Emails about these calls and warned about personal calls. The phone number was always the same number which is from Security Finance. XXXX, a man by the name of XXXX called me, a XXXX called me, XXXX called me. I received numerous calls and I asked the Security Finance not to be calling my job. They were sent a written notice in the mail XX/XX/XXXX. On XX/XX/XXXX, XXXX from Security Finance called me on my cell phone regarding the debt. I told her I did n't have any money right now and that I am pending a filing on the bankruptcy. XXXX said well, call me back to see if you can make a payment. I told her to make sure no one calls my job. This is the XXXX time I told this to XXXX. On XXXX, a call was made to my job after a notice was sent and Security Finance notified not to call me at my job. A young lady picked up the phone by the name of XXXX. She was very rude and stated that she did n't see any notes indicating I asked not to call my job. I asked to speak with a Supervisor. I spoke with a lady named XXXX and told her of the incidents. She claims they did not see the notes. Today, I was told that I could not get personal calls at work in Administration. I was verbally warned that if the calls continue, I would be written up and possibly fired. I feel that Security Finance has over stepped their boundaries of calling my job when told numerous times not to call. These type of calls have led to harassment type of calls. Security Finance 's excuse was that they could not get a hold of me which was a lie because I had just spoken with XXXX XX/XX/XXXX and they called my job XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2015 about Mortgage (Home equity loan or line of credit) with PHH Mortgage Services Corporation (IL).
Issue: Loan modification,collection,foreclosure

Complaint: PHH yet again denies us due process to receive fair access to assistance under any program in its considerable power to secure, commensurate with our need, particularly concerning Loan # XXXX. It is clear PHH is committed to continue, unabated, the practice of serial omissions and repeated failures intentionally designed to subvert fair and equitable services rendered in response to any hardship affidavit we might submit. Certainly the varied and detailed descriptions of our hardship condition ( s ), you dismiss even now, submitted on your demand, in formal application of a reasoned repayment plan, Forbearance or HELOC Refinance ( modification ) programs, plans readily available even prior to our early attempts to obtain a realistically structured solution, are adequate to your need - you provided written acknowledgement the hardship affidavits, detailed household expenditure submissions, tax transcripts and federal filings received and in your possession were adequate to complete several previous application packages concerning Loan # XXXX ( and # XXXX ) free of arbitrary or capricious currency limitations, the applications denied apparently by use of whimsical fancy, without fact based application of any information demanded we provided ; PHH betrays a committed resistance to any serious effort to evenhandedly administrate any program available, based on the financial and budgetary facts we submit ( ed ) representing an accurate debt ratio assessment. PHH demonstrates an interest solely in drawing out the process in hope to cause, discover, and/or exploit any infraction occurring as a result. 

We, along with XXXX XXXX, have cause to believe, based on evidence of the conduct by all operatives, representatives, agencies, and consigns working on behalf of the company encountered during this process, PHH does not intend to cease engaging in unfair practices, resulting in preventable injury, financial and personal disparagement ; and, PHH remains in violation of the federal programs ' fair standards and practices guidelines, and rules of conduct, by continued engagement in deliberate acts of harassment, the cause of undue emotional distress ; and, continued policies and practices of resistance to full disclosures, negligence, intentional " stonewalling, '' and refusal to honor requests for response to correspondence, and fair and open exchange of substantial information, important to achieve mutual understanding of facts in evidence, to establish the common ground and good faith required to reach just and equitable solution ( s ) or compromise ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I never had a credit card that was in this large amount of {$13000.00}. I did have a card in 2006 but it only had a limit of {$5000.00}. They would refuse to accept any of my offers to pay them smaller amounts. I have no proof that this was the same card. This debt has been sold over and over and XXXX , XXXX has harassed and scared me with letters over the years. I never received any phone calls and now I am receiving a summons to garnish my wages! I have no job and XXXX children. I have a bank account set up under my father that I do not want them to touch. This is his money, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I pulled my XXXX credit report and it disclosed 6 accounts in derogatory status. I recently discharged from a chapter XXXX bankruptcy on XXXX XXXX 2017. I contacted the debtors whom advised me to make a complaint with CFPB.

Company response to consumer: Closed with explanation