milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I XXXX XXXX make a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from XXXX XXXX, XXXX does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX XXXX XXXX, XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that Bank of America obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by XXXX XXXX, XXXX and Bank of America, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.

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 07/19/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: ShellPoint XXXX XXXX Estate of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX This short sale has been on-going since XX/XX/16 when it was with XXXX. It was service released to Shellpoint on XX/XX/16. Since then ShellPoint has been an absolute nightmare to work with. The list below has not only been ongoing with this short sale, but has also again happened on our most recent phone call with them YES this ALL happened in one phone call with them. The point of contacting ShellPoint was to get HUD approval to be able to close on Friday. We sent ALL the docs they need to review prior to closing on Monday WELL WITHIN TIMEFRAMES NEEDED FOR REVIEW. Today we were told that EVERYONE ASSIGNED TO THE FILE WENT ON VACATION INLCUDING THEIR MANAGEMENT!!!!! Clearly there is no oversight or supervision at this company. ShellPoint did each of the items below just on THIS call alone : 1 ) No SPOC 2 ) Lack of enough staff -- we have been told that they dont have enough people there by our negotiator, management, and front end staff 3 ) No designation of fill in employees when management and staff all go on vacation at the same time 4 ) Condescending attitude when asked why there is no one assigned to a file scheduled to close 5 ) Shellpoint ( or whatever their name is this week ) does n't take loss mitigation, XXXX, or FDCPA seriously and believes that it is a joke 6 ) No one returns calls. Their messages say calls will be returned in 24 hours but i have never had anyone call me back 7 ) We have to throw a fit to get them to do anything at all especially if they have to find the appropriate person to take care of the issue 8 ) ShellPoint doesnt care about deadlines or making sure a short sale closes on time. They have no sense of urgency or obligation to their investor or borrower. They will be the first to blame this on the borrower and then just cancel the file out of spite. ****We have closed over XXXX short sales and ShellPoint does all of these things on EVERY file we have ever had with them. No doubt by now they have accumulated enough complaints to be fined hundreds of millions of dollars likely even into the billions at this point. When is the CFPB going to fine them like they fined XXXX for their illegal and unethical behaviors?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-11-2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX ( Sunday ), I made a mobile deposit which places a hold ; however, it posted to my account on XX/XX/XXXX which Regions charged me a {$36.00} overdraft fee. My balance with the deposit posted was {$63.00}. Supposedly, they say my deposit is not " available '' until XX/XX/XXXX ; however, if that was the case, it would not have posted to my account on XX/XX/XXXX. They are erroneously posting overdraft charges which should not be incurred. I can provide sufficient documentation to show this. Also, the customer service representatives thru internet banking keep contradicting themselves. This issue needs to be resolved. 

I was sent a letter by the company ; however, unfortunately, I do not agree with what is in their letter to me. My deposit of {$110.00} was available to me as it posted to my account that night which my total balance to pay items was {$780.00} ; therefore, there were no charges posted that would have caused an overdraft fee of {$36.00}. They are saying that my deposit was not available ; however, if that was the case, it should have still been pending, NOT posted to the account. A statement of account has been provided to BBB. The charge should be reversed.

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 05-05-2017 about Debt collection (Medical debt) with Harvard Collections, LLC (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: this company says it is a collection agency I have never done business with this company no ever had a contract are anything with them they are harassing me I would like for them to leave me alone this company say I owe them XXXX yet I have never heard of them and they also that they are a debt collection agency I have never done any business what so ever with this company and have never heard of them I believe they are an illegal company its against the law to put a collection on a persons account with out contacting them 30 days prior and in do n't no this place are who ever they say they are remove this from my credit report all 3 major reporting agency. called no answer phone ring then go busy.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My loans have always been deferred and I have never had to make a payment because of my income. I have always sent my paperwork in on time but they have reported to all 3 credit bureaus that I was 120 late in XX/XX/XXXX and XX/XX/XXXX for the exact same months. Other than that they have been in good standing and are now consolidated but the delinquency to no fault of my own is hurting my credit.
I need to know why anything was done retroactive when paperwork was sent in correctly and on time. I want to know from the beginning of XXXX  taking over from XXXX XXXX  when my loans were actually due each year for renewal of deferment etc.

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 09/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am XXXX XXXX for my mother XXXX XXXX. ( XXXX acct XXXX XXXX XXXX XXXX ) XXXX went into a rest home XXXX/XXXX/2015 and my brother, XXXX tried to have her XXXX account cancelled on XXXX/XXXX/2015. He was not on the account and not being a cable subscriber unacquainted with the rigors of account management for this type of service. He was told that he could n't cancel for her so he told XXXX that he would stop payment. The bill was being auto-paid from her bank account and since he is on XXXX bank account when the XXXX/XXXX/15 payment of {$78.00} went out of her account he stopped payment and had the funds restored. On XXXX/XXXX/15 XXXX pulled XXXX from XXXX bank account and my brother had that refunded the next day. 

I got involved XXXX/XXXX/15 and in a compromise attempt tried to do a name change and reduction of XXXX to internet only. I refused to pay the amount they wanted for internet after cancelling phone XXXX and was pretty clear about that. XXXX actually spoke with them at this time and they claim the I was added to the account then but when XXXX handed the phone back to me the line was dead ... the call had been dropped. Knowing we could n't call them back directly we waited for them to call us back. They never did. 

Numerous calls later the account has been turned off as of XXXX/XXXX/15 and we have been sent to collections for approx. {$200.00}. I disputed the collection amount and charter has reviewed the case and credited us {$40.00} leaving a balance of {$150.00}. 

We feel like we delivered the message to turn XXXX off over and over and pretty clearly ... even if not by their requirements. My brother should have been helped to meet their requirements rather than antagonized during the XXXX call. Or if I was on the account as they claim they should have called me. 

We would like XXXX to honor the XXXX/XXXX/15 cancellation of service date. I am not sure if that would reduce our bill to {$0.00} or not but we tried and tried and tried again. they finally honored our request but quite some time later. She went in the home XXXX. we are giving them 5 weeks of pay for time she was already gone. it seems a bit exorbitant of them to want a couple months extra.

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent several letters to the reporting agency. It has been more that 45 days since they received my letter yet I have not received a response nor have they corrected the errors involved

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I cosigned a XXXX study loan for my daughter, XXXX XXXX, in XXXX. It was originally with XXXX XXXX. She passed the XXXX just as the economy crashed and lawyers were not being hired but being released. She started taking court appointed cases in an effort to make some kind of living and has been doing that ever since but barely squeaking by. I have been paying on the loan for 6 years. When it was with XXXX XXXX, I paid {$75.00} a month which was fine when I was employed but once I retired I had far less income, approximately 40 % of what I had been making. Navient took over my daughter 's XXXX loan two years ago and continues to hold it. This past year they let me be in a rate reduction program where I paid {$90.00} a month and more of the money went to the principal. They informed me this year that I no longer qualify because I had opened new lines of credit. XXXX being, the purchase of the park model which we purchased to live in. The other was a credit card that I had opened at XXXX XXXX at XXXX because by doing that they gave me 20 % off of a XXXX gift. I have a small payment left to make to them and it will be completed and I did cut up the credit card. They also noted that we had leased a new car. We had a XXXX truck with XXXX miles on it that needed major repairs. The car dealership took our truck and used it as a {$2500.00} down payment on a car lease. Since we needed transportation we figured this was our best option. Obviously it was not a good idea but at our ages ( XXXX & XXXX ) we ca n't walk. My husband and I have always maintained separate checking accounts and we each have bills we are responsible for paying. My husband did not co-sign the loan with Navient but they told me last week his income needs to be considered in the new payment they are asking me to make which is XXXX. The original loan was {$15000.00} and now it is {$17000.00} and this is after I have paid over {$6000.00} in payments. According to them the loan accrues daily. I wo n't live to see it paid off I am quite sure. I am facing some XXXX with large co-pays, but they say that does n't affect my ability to pay them. I have been managing to pay them {$90.00} per month in a rate reduction program but that has been a struggle. At this point I do n't see that paying them and never having the amount reduced is reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I neglected to pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My student loans are repayment and serviced by Navient. Earlier this month, I was late in paying. However I made a payment on XX/XX/2017. Yesterday ( XX/XX/XXXX ), both my mother and friend received letters in the mail from Navient stating that they needed to speak with me about the delinquent account. I never provided Navient with the names or contact information for either of them. Additionally, I never authorized Navient to contact anyone about me. This is an invasion of my privacy. They have no right to contact anyone about my personal financial matters. I demand that they stop this practice and remove any unauthorized information from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: Bank of America , N.A . lost 14 years of trust records in which I am a beneficairy and never informed me that it lost the records. Bank of America can not account for large sums of money missing. Bank of America refuses to compensate me for the lost funds. Bank of America has not reported to lost records and funds as it is required to do under the patriot act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX RE : THE ACCOUNT HOLDER HEREIN REQUEST FOR COMPLETE AUDIT OF THE ACCOUNT I XXXX XXXX, HEREIN ATTEMPTED TO REQUEST FOR A COMPLETE AND THOROUGH AUDIT REVIEW OF HIS CITIBANK CREDIT CARD ACCOUNT. THROUGH THE CITICARD SECURE MESSAGE SERVICES, AND SOMEONE DID N'T WANT ME TO FILE MY DISPUTE. SO THEY DENY ME ACCESS, AND BLOCK ME FROM FILING MY CLAIM. AND FOR THE ADDITIONAL REASONS WHICH FOLLOWS : ( 1 ) I HAVE REASONS TO BELIEVE THAT THERE IS SOME INACCURACY IN MY ACCOUNT BALANCE AND BILLING. I 'VE BEEN MAKING MY MINIMUM MONTHLY PAYMENTS. 

( 2 ) THERE WERE CHARGEBACKS, AND REFUNDS TRANSACTION ... .THAT WERE MISAPPROPRIATED, AND OR NOT APPLIED AT ALL. THROUGH THEIR DECEPTIVE PRACTICE CALLED CONDITIONAL CREDIT. 

FOR EXAMPLE : IF YOU WERE TO FILE A LEGITIMATE DISPUTE CLAIM. CITICARD ACCOUNT, WOULD GO AHEAD AND GIVE A CONDITION CREDIT. WHILE INVESTIGATING THE CLAIM. THEY IN TURN WOULD FABRICATE A STORY AND SAY ... THAT, THE MERCHANT OR BUSINESS DID NOT HONOR THERE REQUEST FOR REFUND. THEREFORE, THEY ARE TAKING BACK THEIR CONDITIONAL CREDIT. AND WHEN I CONTACT THE BUSINESS. THEY WOULD EXPLAIN THAT A REFUND WAS GIVEN. 

( 3 ) MY BELIEFS IS ... THERE IS SOME FORM OF INTERNAL DISHONESTY AND THEFT, THAT HAS BEEN TAKEN PLACE AGAINST MY ACCOUNT. ..AS FAR BACK? ..WHEN THE ACCOUNT WAS OPENED. 

( 4 ) SOMEONE WITH ACCESS ... WITHIN CITIBANK CREDIT CARDS ACCOUNT HAS REPEATEDLY BLOCKED ME FROM FILING MY CLAIM THROUGH THEIR SECURE CITICARD MESSAGE PORTAL. WHICH MIGHT BE THERE ATTEMPT TO COVER-UP THEIR WRONG DOINGS. 
PLEASE FORWARD THIS MESSAGE TO SOMEONE WHO IS ABLE TO INVESTIGATE THIS MATTER. 

RESPECTFULLY SUBMITTED BY 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 03-02-2018 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After numerous phone calls and a threatening letter about reporting an unknown debt of {$1100.00} owed to GE Capital on an IRS XXXX, I advised the collection company The XXXX XXXX that this debt is phony, unsubstantiated and/, or long pass the statute of limitations for legal collection.

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 02/22/2018 about Mortgage (Conventional home mortgage) with Statebridge Company (IL).
Issue: Trouble during payment process

Complaint: In XX/XX/2017 I closed a contract agreement with the Illinois ( XXXX ) in conjunction with XXXX   XXXX XXXX XXXX ( XXXX ). XXXX would pay Statebridge ( SB ) {$19000.00} to bring my mortgage account current, and make monthly mortgage payments to my account for 12 months. During this period SB has charged fees to my account for late pays, foreclosure fees and sent adverse information to the credit bureau, which violates their agreement with XXXX and me. ( see attached paperwork ) SB has recently threatened me with foreclosure even though they have been paid on time by XXXX. Because of the fraudulent information on my credit report I can not refinance etc. SB practices burying money upon receipt and post on account whenever they feel like it, usually after the 15 day mortgage payment grace period. XXXX and I have been told while talking by phone with SB, that it may take up to 45 days for payments to post. ( Rather convenient since all mortgage payments are due no later than the XXXX of each month. )

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Greetings : I called XXXX XXXX customer service to purchase a diamond ring over the phone through XXXX credit card so I made the purchase over the phone and the agent took all the information needed to complete my purchase however I have not received the order since XXXX XXXX 2017 So  I have called several times to resolve the issue, so XXXX customer service response always was contact XXXX since the shipment supposed to be delivered by them so I called XXXX to report that issue so they opened the case however I have not gotten any calls from their investigation department to resolve my issue so please assist me with that Issue. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (I do not know) with WELLS FARGO & COMPANY (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A stupid woman with an XXXX accent called and asked for me by name, she then asked to speak to someone named XXXX and called her my wife. I have NEVER been married, I told her this ang said I did n't know the person she was looking for. She said the I did know her as my last name was the same as the debtor she was looking for and she demanded I pay her loan, she threatened to put my name on a list to be attributed to the debtor. She was very rude and vulgar as all dummies from XXXX are, and she hung up when I tried to correct her. The caller I.D . traced back to the Wells Fargo Bank, on XXXX XXXX, in XXXX Il.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief