milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/16/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America offered me a modification on my home loan in XXXX XXXX, I signed the documents and sent them back in before the deadline. My next payment was not due until XXXX/XXXX/XXXX per the paperwork. I was spoke with my relationship ship manager she confirmed the paperwork was received and that as soon as I made my 1st payment on XX/XX/XXXX, they would bring my account current for XX/XX/XXXX and XX/XX/XXXX. That has not happened and Everytime I call Bank of America I get the run around no one knows what 's going on they ca n't seem to find my payments and my bank statement clearly shows the payments made to Bank of America. Also I actually made both my XXXX XXXX, XXXX and XXXX XXXX payment on the phone with Bank of America. They have been miss applying my funds and putting them anywhere except on my mortgage payment. The are not being honest and I not about to loose my home behind there misconceptions. They need to be investigated. This is the 2nd time I have had to file a complaint against Bank of America.

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 12/29/2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Received a judgment in the mail from Cavalry Investment LLC no knowledge of debt. Judgement was filed in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The collection to XXXX was paid electronically on X/XX/2017 for the amount XXXX from my wife XXXX checking account. 
I can submit the statement as proof. 
Its been more than one year this account was paid and it is still listed as delinquent.

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 03-07-2018 about Checking or savings account (Checking account) with UNITED BANKSHARES, INC. (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/2018 at XXXX, XXXX XXXX from XXXX XXXX called from phone # XXXX and called my cell phone at XXXX and my other cell phone at XXXX. XXXX left a voicemail on my XXXX number at XXXX. He was calling in regards to an overdrawn account. Federal law prohibits such calls before XXXX. XXXX XXXX ( located in West Virginia ) and my residence ( located in Ohio ) are in the eastern time  zone. I can provide proof of call logs and voicemails upon request. I am sure XXXX XXXX keeps and records calls as well. 

Below are the guidelines businesses must follow per the FCRA. 

Prohibited Collection Practices Call you before XXXX XXXX or after XXXX XXXX, based on your time zone Call you at work, provided the debt collector is aware your employer doesnt approve of these phone calls Harass, oppress, or abuse you Lie to you or falsely imply that you have committed a crime Use unfair practices in an attempt to collect a debt Conceal his or her identity on the phone Disregard a written request from you to cease further contact

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 02/19/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a debt that was purchased and then resold to XXXX companies that harassed me and later sued me and are now garnishing me for a debt in which I had a credit protection on my account in case I had stopped working. This debt is so old but being that it has been resold it it still alive. I tried to fight it stating I was not served the documents in questions ; however, the case was mute and my wages are garnished because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Medical) with PlusFour, Inc (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The company stated it was illegal to delete the account according to the Fair Credit Reporting Act and that statement in itself, is actually a violation of the Fair Credit Reporting Act '' or " the company agreed to delete the account for payment, after the fact they said they will not delete the account and therefore violating our original agreement ''.

Company response to consumer: Closed
Consumer complaint received 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Closed my account with XXXX 2 years ago. Received a collection notice from this collection agency almost 2 years after debt was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My wife and I have several credit cards that we have charges on that are fraudulent. We were gullible when contacted by phone for grants and internet web site development. We put large charges on our cards to pay for what I mentioned but nothing came about from them. When we filed for a charge back on the cards the banks refused to give us back our money. We want to know how we can get our money back from scammers that promised much and did nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing statement

Complaint: I wanted to check that Amex was accurately calculating my interest charges on my credit card account for any given month. I reviewed the Cardmember Agreement and other materials on the Amex website. Then I downloaded my monthly transactions and balance information. I tried to calculate the balance subject to interest, and the interest charge, myself, for one month. I was not able to match what I was charged. 

I called the customer service number to ask for help in understanding the calculation method. The customer service I initially received was very poor. I had to speak to XXXX different people before I got anywhere. It is clear that the customer service reps are trained to tell customers why they received an interest charge ( and I had no issue on whether I should/should not have been charged - just trying to understand the amount ), but are not trained on how the interest is actually charged. Finally, after an hour on the phone, somebody referred me for a " billing reconciliation '' by a specialist, who would get back to me within weeks. 

In the billing reconciliation, a customer service rep emailed me, again only explaining why I was charged interest at all, and again not providing any details on how the amount was calculated. They also refunded the interest charge for that month. However, nobody at the company was able to show me how they got the exact number that they did for the balance or interest charge. The customer service experience was very frustrating. More importantly, as far as I know, the interest charge amount was inaccurate. And this could be happening month after month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2016 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Credit card protection / Debt protection

Complaint: I was offered to sign up for a store credit card by an employee. i like to shop but i felt ripped off. because alot of the items i purchase was low in cost. first the cashier told me my payments were only XXXX a month and it would not change and when i look my card was getting hire in cost. well i did make several arrangement that was not kept by the customer service. it starts of good with these cards then they become harrasing charging over the limit fees and late fees and other hidden charges. there was some insurance they ask me to sign up for and they ask me to call all over to remove the service. I felt i made small purchases and my account should not have went over. they also tried to sign me up for some hard ship program and later close the account with out me knowing or keeping it open. That the product i purchase on my card was not allowed to be returned to the card. they need to check and make sure the items that they are selling are really from their store.

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 07-07-2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (DC).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I having been working with GM Financial regarding my loan. I was told numerous times by representatives that I would be able to get a deferment on my loan after I have made 6 payments to  them. I have been making payments to them when I can due to financial difficulty. I have also had the website again blocked and paying each time I pay my car note XXXX dollars in fee to use my CC. They said also by representatives that they can what they want when they want. This is my second complaint against them still with no real resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Problems when you are unable to pay

Complaint: In XXXX XXXX I took out a loan with Springleaf Financial. I spoke to the lending clerk before coming into the office and she told me to make sure that I bring in my driver 's license, birth certificate, social security card, and a voided check. When I got into the office she quickly went from page to page having me sign where needed as it was close to closing time for them. She told me what to write in for the collateral items for the loan, and also told me to write in whoever for the references as she was not going to call them she said. Lastly during this visit she asked me if I wanted to set up automatic payments using my checking account, I said no that I would prefer to pay it manually, however she made a copy of my check and said that this was for proof of a checking account and sent me on my way. After having a chance to read through the loan terms I found many many things that were deceptive. Like the extended first payment charge which I did not request and would have been against if I would have seen that during signing. 
Now a little over a month later, Springleaf pulls the payment from my account exactly like I asked them not to do. So I had this payment returned through my bank. Now upon this being sent back to Springleaf is when they realized they did not even have my signature to pull the payment and called me asking me to sign the form that was sent to me in the mail, which I still have in my possession because I did not allow this. This happened on two more occasions where they pulled money without my permission, once being a double payment to make up for the prior month. Which working in a XXXX, I know this is against ACH originator rules and regulations. 
In the meantime I tried contacting them through email regarding the situations on XXXX XXXX XXXX. I gave information to identify the account and prove I was a customer and never heard back from them after this. I said in the email that I did not want to be contacted by phone, only email. However they still continue to call. Once having even calling my employer, which I never gave permission for either.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-04-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I have been trying to get a modifaction and been turn down about four time I have Reach out to keep, your home califorina, and was told that I was approve with them and my lender Wells Fargo choose to opt Out But there goal should have been to take the rears On What was owe they so they I could have been making my payments back on the loan that happen in 2015 and I have done all I can do to deep my home I have A total of seven Members in my household and my credit is ruin and Wont be able to Rent anywhere with those Scores I have Enough Imcome to support My Mortage I lost XXXX XXXX Right after I purchase To House But restore The imcome in less then six months Please Reach out To Me with Some 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 02/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with United Consumers Inc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The situation is as follows : In XXXX 2015 I started a summer internship in XXXX. I looked for a gym in the vicinity of my organization and since XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, # XXXX, XXXX, XXXX XXXX ; Phone : ( XXXX ) XXXX ) ( Club ) were in the same building, I want to see if they have any good deals. They informed me that they have a special offer, which entails to try this gym for free for a month. Then if I chose to I can renew the membership, or terminate it any time. 
I knew that my internship is temporary, and I wo n't be in this location more than a month ( and I live in XXXX ), so I specifically asked several times if I would be able to terminate this any time, and the person, Per XXXX, who was signing me up clearly said that this is a month to month deal and I can get out any time. I was asked to do an electronic signature. I asked if there is a contract and they guy from the gym said that there is no contract. Per XXXX said that the signature is just so that I can get my pass to try the gym. He asked me to enter credit card info as a standard practice ( also as a requirement to do this free month ). I never signed any contracts and was never shown one. All I did in XXXX 2015 was my electronic signature on a machine to state that I agreed to one month free membership to try this facility. You can check their documentation - you will not see my signature in ink, because I never intended to be in this location for more they a month or XXXX. 
After a week my internship moved to another location in XXXX and later to XXXX, so I never tried this gym. I did not attend it even once. XX/XX/2015 I contacted the gym, explaining that since the trial period was over and I was not interested in continuing and if there was any paperwork I needed to do to properly exit the Club. It is only then I found out that they signed me up for a year membership. I attempted to explain the situation to them, saying that I only signed up for the trial because they told me that there are no obligations and my member ship can be terminated any time, but they told me about the contract that I never signed, which they consider to be signed by me because apparently my electronic signature was transferred there. 
In short, the only reason why I ended up in this situation is because the representative, Per XXXX, who welcomed me to the gym told me false information and used my signature on a document I never signed. 
Now they put me or collection through the collection company XXXX XXXX , XXXX. 
Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX On behalf of XXXX. , United Consumers , Inc. requested I to pay them {$1200.00} as annual membership fee even though I never used this XXXX. 

Thanks, 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
Consumer complaint received 11/13/2017 about Debt collection (Other debt) with St.John Cobb Inc (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Collection Agency XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Closed Date -- Balance {$600.00} Placed for collection Disputed XXXX/XXXX/XXXX for the second time Disputed the first time XXXX This account is fraudulent. I am not aware of what I am being charged for what so ever. It has also been transferred to another agency but remains on my credit after dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My loan recently transferred to a new serviced XXXX XXXX is first payment ). With my previous servicer, I was sending an extra amount for the last several months to pay down the principal. The new servicer adjusted the payment schedule to require the higher payment every month without asking me. Sent me a letter saying to account for the payment you like paying, weve adjusted your payment schedule. 

By doing this, my extra funds, when I have them, are no longer going towards principal alone. I called on XXXX to ask them to put it back to my original monthly payment. The payment amount listed on all the material they sent me in the transfer, and was told theres nothing they can do. Best they could do is offer me a payment that is {$100.00} higher than my normal payment. Essentially still cutting into how much my extra funds, when i have them, applies towards principal. Navient is shady.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Student loan (Federal student loan servicing) with MOHELA (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Essentially I dont have the funds available for room and board and I essentially borro0wed enough to deal with this issue and nothing is being done about it in fact i feel my civil rights have been obscured.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Debt collection (Medical debt) with SCA Collections, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Requested validation of this account and have not received sufficient documentation

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 11/29/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted XXXX XXXX and informed them the debt from XXXX did not belong to me. In return, they sent a bill ; they DID NOT provide proof of a signed contract, signature or ID verifying that the debt is mine. XXXX XXXX  continues to report to XXXX this erroneous debt although they DID not verify nor validate the disputed debt. In addition they are reflecting this account was opened in XXXX 2016. I did not open an account and did not give anyone permission to obtain an account using my personal information and are not responsible for the charges they are reporting. This needs to be removed from my credit report in its entirety and not return.

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 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is my Son old address ( XXXX ) XXXX, HI XXXX I have never lived at this address, ever. 
Please Remove from my Trans Union Information

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX , WILL NOT REMOVE THE ACCOUNT.  XXXX   XXXX   XXXX   XXXX . ITS A OLD ACCOUNT, THAT IS A FRAUD ACCOUNT. THIS IS NOT MY ACCOUNT.  XXXX   XXXX  ACCOUNTS ARE FRAUD ACCOUNTS, I WILL FILE A COMPLAINT WITH THE FTC AND  FILA POLIC E REPORT.   XXXX     XXXX , FRAUD ACCOUNTS.  XXXX   XXXX  /  XXXX   XXXX  HELP ME.

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 01-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Customer service / Customer relations

Complaint: I was enrolled in a premium auto protection by American Express. There was a charge on my account that should have not been charge. They are stating they are unwilling to do anything as its a valid charge. I have tried to do everything to get this resolved and they have been unwilling to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Credit reporting companies XXXX, XXXX and XXXX are reporting credit limits that existed before a HAMP loan modification in XX/XX/XXXX. The loan taken out in XX/XX/XXXX with Aurora was for {$600000.00} and was a negative amortization loan. As a result of the recession, I could only pay the minimum payment. By XX/XX/XXXX, the loan balance had climbed to {$700000.00}, and I qualified for the HAMP. Nationstar took over as the loan servicer in XX/XX/XXXX. My balance now shows {$640000.00} with a credit limit of {$600000.00} and a Debt/Credit ratio of XXXX %. I have not missed a payment in 4 years and believe that the Credit Limit should show as {$680000.00} not {$600000.00} since the $ XXXX was the balance at the time of the loan modification. This ratio is very negatively affecting my Fico score by inflating the total Debt to Credit ratio which would be XXXX % and not XXXX %. The mortgage D/C ratio would be XXXX % vs XXXX %. This is an undue burden on anyone diligently paying off HAMP or HARP loans and does not reflect excellent payment history.

Company response to consumer: Closed with explanation