milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (AR).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX XXXX TX XXXX was my mothers house. She did a reverse mortgage with reverse mortgage solutions before she died. When she died we reached out to reverse mortgage solutions trying to get details and pay off information to settle the account. We were told we were n't on the account. My cousin XXXX XXXX was on the account. We called with her, and still go no information. We wrote letters requesting pay off and still got no response. On XX/XX/16 Reverse Mortgage Solutions filed for foreclosure at the courthouse. We have again tried to contact them for payoff and been unsuccessful. Basically this company hired a 3rd party company to manage the property breaking into the property and removing the locks and switching them out so we now have no access to the house or the contents. We contacted the courthouse and explained we we knew they had filed for foreclosure but there was no date given, and they had never contacted us. According to the courthouse there has NEVER been any sort of contact made with us and no citations have been issued. There 's no foreclosure date on file. This company is trying to steal this property.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am resubmitting my claims from a previous complaint from case XXXX and XXXX XXXX. I thought this was a XXXX card but it said Bank of America. I went back and looked at my credit report to see if I had any judgments for a Bank of America card and I do n't even see that I had a judgment or even ever had this card! I have never had a card in this amount of almost {$14000.00}! This law firm sent me a letter telling me they had been sold my case and would be reviewing it and now I am getting a garnishment summons!!!!!!!! I will sue everyone, if they do not correct this now! I have already contacted a lawyer. I never received a judgment or notice that they would be garnishing my bank account. And now I get this summons!!!!! This should be fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company asked me for the same documents over and over again. gave me conflicting information about what they want, My loan modification was denied for improper reasons, While i was in modification process with XXXX my loan was transferred to Caliber home loans and no one told me and the new mortgage company made me start the loan modification process all over again, and their policy is not to accept my payments while i 'm applying for modification and now they add attorneys fees and late fees, which i did not want to be late, We have full intention to keep our house.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been contacting Navient for all of XX/XX/2016. I am unable to log in to my online account and I am not receiving paper statements. Aside from checking through XXXX XXXX, I 'm essentially blindly paying Navient every month because of this. When I log in I get 'We need to take you to the previous website while we make adjustments to your new online experience. ' When I click the link to the previous website, I get the exact same error. Every time I speak to them they give me a roundabout answer speaking to my 'account being set up on XXXX XXXX so it 's taking time to transfer to Navient. ' For all I know the money is not being allocating to how and where I set it up and my interest is going through the roof. Ironically, I received my XXXX last week which I was able to log in and retrieve, then when I click 'my loans ' I get the usual error : 'We need to take you to the previous website while we make adjustments to your new online experience. '

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I pulled my annual credit report XX/XX/XXXX and noticed I had incorrect and fraudulent accounts that were being reported. I sent a dispute letter in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX. I contacted XXXX Bankruptcy Court in XX/XX/XXXX. stating that incorrect information is being reported on my credit report. Bankruptcy court replied, '' they do not report to credit agencies for me to dispute that information with the credit reporting agencies. '' Therefore I sent out the letter that I received from bankruptcy court asking them to remove it. And XXXX and Experian refuse to remove it.

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 12/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AFNI has ruined my credit by placing a debt on my credit report which has gone into collections. The original debt was for XXXX XXXX, which I have never owned. The debt on my credit report give as little information as possible except that I owe {$75.00} I called XXXX to confirm the original debt and they could not find any information on me by my personal information. I looked online and AFNI has has a history of listing invalid debts on people 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: XXXX NAVIENT Complaint To whom it may concern, NAVIENT Called me today. It seems that my conversation with them last Friday, XXXX XXXX, XXXX was not documented XXXX XXXX, I made my first-ever payment to the NAVIENT department online, I also set up a direct deposit account as well. This would ensure my payment would be met, on time, each month. 

Friday, XXXX XXXX, XXXX, at XXXX, I answered my phone to a woman representing the NAVIENT department. The woman was calling to inform me that I had missed both XXXX and XXXX payments and that I was delinquent. I told her I would be able to pay the full amount on XXXX XXXX, in full. We agreed this would be best. She than directed my phone call to an automated message stating the terms and conditions of forbearance on my student loans. After the recording finished, the womens voice returned and she asked me if I agree to the terms and conditions stated in the automated voice message, I said No Way. We both agreed that it would be best to not forbear my loans and that I can pay the full amount in XXXX. 

Today, Tuesday, XXXX XXXX, XXXX, at XXXX, I answered my phone to a different woman representing the NAVIENT department. The woman was calling to inform me that I had missed both XXXX and XXXX payments and that I was delinquent. I told her I would be able to pay the full amount on XXXX XXXX, and I also talked with another representative of NAVIENT last week. She then told me that her college must not have taken these notes and that therefore she is calling today. 

We both agreed that it would be best to not for bare my loans and that I can pay the full amount in XXXX, only this time, I told her I do not, in any way, agree to for bare my loans, She stated, If you do not forbear your loan it will look much worse than if you were to just for bare them until you can pay the full amount!. Again, I told her No and No again! She kept trying to get me to agree to the stupid forbearance. 
Finally, she ended the conversation with, Fine if youre not willing to forebear your loan than we will continue to call you every day until you pay in full, I said, Fine, and we were disconnected. 

I set up AUTO Pay in XXXX, after checking my account today, while on the phone with her, I was presented with a screen stating, my loans were not eligible for Auto Pay. 
As I write this, I am watching my account, and it has been pushed from In Grace to Past Due. 

This is not okay, I should not be past due, I should not be bullied into placing my loans in forbearance! 

Respectfully, xxxx

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Portfolio Recovery constantly contacted me about debt owed to XXXX XXXX and XXXX although I told them not to. Also they reaged the debt and rudely informed me that I would have to pay or else. They said they would continue to ruin my credit. I was coerced to pay it and was promised that the items would be deleted from my report. The items are still listed on there although I have disputed them. One of the supervisors was also really nasty to me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I am interested in citi prestige credit card and went to citi XXXX branch in LA last Saturday XX/XX/XXXX. 

I was waiting in the lobby for about 20 mins then a lady named XXXX showed up to help me. XXXX tried to get rid of me the moment that I mentioned I want to apply for prestige credit card. She does n't know this particular credit card very well and also try to persuade me to apply for another cards. She keeps selling other credit cards to me and meanwhile she said if I want to have prestige card then the annual fee is {$450.00}. I asked if she could let me open a priority account to reduce the annual fee to {$350.00} ( which everyone else is doing ). She did n't want to help me at all at that point and said I should JUST GO HOME AND APPLY ONLINE because " if you apply online, the annual fee is {$350.00} '' - which is a totally lie! I know that If I apply online the annual fee is still {$450.00}! 

After I told her this is not true, she went to ask her manager. Then she told me that I have to have a cashier check with {$50000.00} to open a checking account. I am highly doubt this is the truth. They are just trying to get rid of me. The general fee for the checking account is $ 30 monthly and hold {$50000.00} in the account will waive the monthly fee. That 's it. It 's not a criteria at all to have {$50000.00} to apply for the checking account!!!
Her manager even told me that they are afraid I 'll close the checking account after I got the discount for credit card so that they are not willing to open the checking account for me. They want to see the cashier check first to prove " I am serious about it ''. I told them that I would go home and ACH the {$50000.00} to the priority account from other bank. But they just do n't trust me at all and treat me like a liar or trick me like a fool. 

XXXX and her manager can not just trick customers like this! They are so unprofessional. I drove more than two hours to the XXXX branch because there is no citi branch in my town. XXXX and her manager has wasted another 40 mins with their bad and inpatient attitude!

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 09/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I have spent countless hours and thousands of dollars cleaning my credit report and monitoring my credit and scores through a membership with Transunion in order to get my credit to a point where I could refinance my home. I recently hit a level that I believed was satisfactory based on the scores provided in my membership and I applied for a loan. This loan was denied based on the credit score that was provided to the lender which was XXXX. However, the score that I am shown when I log into my Transunion account is XXXX, which is a XXXX point difference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ProCollect, Inc (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Pro Collect is reporting a eviction that the apartment complex has no file of I 've called old owners and they do n't have file so why is it on my report

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Credit card) with Zakheim Law Group, P.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Back in XX/XX/XXXX my wages was garnished for a credit card debt that I had no knowledge of. I did not know about the debt until my wages was garnished. At the time of garnishment my employer gave me the contact information for the debt collector. I disputed the debt XXXX XXXX, XXXX. The garnishment was dismissed. Now, on XXXX XXXX, XXXX a motion to continue writ was filed by another firm. I did not receive a letter from them, XXXX XXXX XXXX, XXXX. until XXXX XXXX. I again filed a motion to stop the garnishment and also filed an exemption due to me being the head of my household. The debt does not belong to me and in addition to that they failed to respond to my dispute as required by the FDCPA. The debt also seem to be time barred because the case is from XX/XX/XXXX and I can only imagine the date that the account was opened or the last time they receive a payment from the person who the account belong to. The is company is violation FDCPA for trying to collect on time barred debt and for not responding to my dispute within the required time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: problem : all of the above. failure to remove slander ( via fcra part 209 ) failure to update accounts correctly ( actual debt owed in some circumstances misreported by extortionist debt collectors when settlement is active ) failure to respond and remove " debts '' after 30 days has expired, ( XXXX, XXXX especially ) when creditors have not replied in fact to complaints. allowing creditors such as XXXX XXXX to report things when they are in violation of other laws such as the cardholder agreement ( refusal to reissue cards and remove fraudulent transactions ) and consumers right to settle debts with 3rd parties ( some of which are not involved because creditor refuses to use them-XXXX XXXX, XXXX, XXXX ). showing outdated debts ( 10 years back ) and refusing to remove them. failure to respond to legal notices sent certified mail to all 3 bureaus. refusing certified mail. failure to acknowledge reciept via certified mail of personal information ( " required '' to update the database ) to unlock files repeated demands to " verify '' consumer according to fraudulent data in files repeated " verification '' sent back to me when there are no changes to the file, or changes are removed. in fact no means of challenging debts were sent back to me as required by law. posting information from unknown sources and not from XXXX co courthouse about illegal eviction when complex remains on fire and landlord from ohio was summoned ( extortion and retailiation, both illegal ). refusal to sync accounts with other bureaus data as per deletions. refusal online or otherwise to allow access and correct files and/or report fraud, yet freezes files wo consumer consent. If consumer wants to freeze files, its a nightmare.

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 04-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I keep getting loan offers an cars approved loans tellamarketers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: I was a victim of fraud. I am a XXXX. I was contacted through the Internet by a group that said they were a non-profit healthcare agency and they wanted me to edit a pamphlet on XXXX by an author whose native language was not XXXX. It was a legitimate piece of work. They said they were sending the check to pay for it ( {$200.00} ), and then told me they wrote the check for the wrong amount and asked if I could send them the difference. I asked why they did n't stop payment on the check, and the answer was the usual garbled flakiness you hear from a non-profit. When the check came I took it to my bank, with whom I had a 20+ year relationship. They usually give me immediate credit for any check, no matter how large. They said they wanted to hold this XXXX for 24 hours so they could make sure the money was actually in this company 's account, and when the funds were released, I could take the money out. I waited, the funds were released, I transferred {$2300.00} to the non-profit 's account, and then the check bounced. 
The bank took the {$150.00} in my checking account to apply to the arrears and said I owed them {$2100.00}. That 's a huge amount of money for me. I 'm on the wrong end of the age scale and have been trying to get a fulltime job since 2008. I live on social security and what I can earn XXXX and doing XXXX. I 'm barely making the ends meet. At the bank 's direction, I filed a police report and they also investigated. They determined that fraud had actually occurred, but are insisting I pay the money back to them, even though their teller told me that when the funds were released, it meant that the bank had determined the funds were really in the specified account. 
Please contact the XXXX XXXX, MD Police Department XXXX XXXX at XXXX and ask for XXXX. The case number is XXXX. They have all the pertinent documents in the file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Loan sold from XXXX XXXX XXXX to " Carrington. '' Within 2 months of sale, escrow payment skyrockets. As apparently as it was explained to me by " Carrington '' XXXX XXXX XXXX did not require a " 2 month cushion '' in my escrow, but " Carrington '' does. Therefore, my escrow skyrocketed. I had no say in this, no warning, no nothing. But a {$140.00} increase in my monthly payment 2 months after being sold to " Carrington ''. They waited 2 months to hit me with the bad news. They say to pay off my " 2 month cushion '', I need to pay them nearly {$3000.00}. What " Carrington '' has done is INCREASE MY MONTHLY PAYMENT FOREVER by adding " their own '' requirement that has nothing to do with my loan. I was NEVER given the opportunity to ask questions, to understand this would be coming, to shop around for a different mortgage holder -- nothing. My loan was simply sold and my escrow skyrocketed. What other new amount will " Carrington '' add to my loan WITHOUT NOTIFYING ME? When will " Carrington '' mandate that I have to have a " XXXX '' cushion?

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I HAVE PAID THIS ACCOUNT IN FULL AND HAVE SUBMITTED ALL RECEIPTS, THIS IS STILL SHOWING A {$3500.00} BALANCE ON MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Dual Trucking regulation is violated with CFPB rules Establish strong Protections for home owners facing foreclosure.Need your help Fay Servicing is in process looking a workout solution to keep my home but at the same time XXXX XXXX. wants to precede with the foreclosure the property they are requesting at the XXXX county court XXXX XXXX hearing date is coming on XXXX XXXX at XXXX room XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit card () with ARVEST BANK GROUP, INC. (AR).
Issue: Overlimit fee

Complaint: Security Bankcard Center , Inc. advertised as if they were ARVEST Bank. I have a corporate card. I have been paying my monthly credit card bills, up until XXXX 2015. I found out that Security Bankcard Center has been charging me over $ XXXX {$100.00} per month for my pending balance on my credit card. This was never listed in the contract that this company would charge in excess of $ XXXX {$100.00} for carrying a balance. They advertised in a false manner. I do want to pay the card continuously, but after the card company reimburses my card for all of the money they have charged over a year just because I had a certain balance. I do have the contract. I want this matter resolved fairly.

Company response to consumer: Closed with explanation