milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Debt collection (Other debt) with Bison Recovery Group, Inc. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I have received several calls from XXXX with BRG. She informed me that it was for my XXXX XXXX account. As the call started she was very rude, she then began to harass me and ask " why have n't you made any payments, I mean you have n't paid in MONTHS '' in a very demeaning tone. I then ended the call. She then called my work phone and tried to get a response from me while I was at work. I called back and informed them that they have no business calling my work. She then called a friend who was a reference on the loan but in the voicemail she stated that it was an attempt to collect a debt which they are not legally supposed to disclose. After that she then called my sisters, husbands parents in which I do n't even know so they called my sister and told her that I am being sued and this lady XXXX keeps leaving voicemails stating that it is pre-legal and attempt to collect debt. Once again breaking the law disclosing personal information to people I do n't even know. I then got a call from her supervisor XXXX who wanted to follow up on a phone call that XXXX had with me. He was just as rude and said some people get loans and never intend on paying them. Most people will do good and pay their stuff but some do n't. I informed him of the calls that XXXX had been making and informed him I was waiting on hearing back from a lawyer as I read up on my rights. I informed him that XXXX was very rude, he then replied we are n't in customer service we are debt collectors we are n't here to baby people. So I ended the call and have not heard from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage has just been sold to shellpoint mortgaging services in XX/XX/2016 ... i received a certified letter today stating i owed monies ... .they only monies i owe is this month XXXX ... the letter is certified and threatening to me ... .default with acceleration and balance is this month plus next month. the letter makes it seem they can take my home from me if balance is NOT up to date ... i have seen many complaints from this company for same reasons on google and SOMETHING NEEDS TO BE DONE. i am current ... i should receive these letters if i am over 2 months late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (VA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Forebearance/Cancellation of Debt

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: CAPITAL ONE BANK has reported to the credit bureaus falls information for an account thats not even belong to me, and that cause my financial life a big damage

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have listed several inquiries on my credit file that remain and should be gone. At this point i have items on my file that also are not mine and have forwarded time and time again corrected data to these agencies with no help. The following inquiries are not mine XXXX XXXX, XXXX none of these inquiries are mine. i should have XXXX inquiries at this point, XXXX XXXX account # XXXX was a result of fraud my husbands ex wife opened this account and i have told them this several times yet it still remains on my report, XXXX XXXX account # XXXX was a fraudulent account opened by my husbands ex wife as well, Though i have contacted all agencies multiple times these items remain on some reports. If we can just get these inquiries that i did not authorize off ( the excuse they give me is that they are of factual record, The factual record is I DID NOT GIVE MY PERMISSION for these inquiries and want them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (MS).
Issue: Settlement process and costs

Complaint: This Complaint is regarding the United State District Court Judge XXXX XXXX XXXX. On XX/XX/2015 the above Judge ordered saying that the Defendant [ Green Tree Servicing / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX [ Attorney General office of the State of Mississippi ] has attempted to resolve this dispute without court action the Attorney General XXXX XXXX never tried to resolve this, never tried to show good cause and has been illegal day XXXX. It has been [ NO ] federal court cases regarding this illegal Corp. in the State of Mississippi. Now we have an illegal Federal Judge XXXX forgetting the People that was hurt by this corp .My address [ was and is ] XXXX XXXX XXXX XXXX , Mississippi .This corp. and its illegal Lawyers deals in the Mississippi Courts illegally, Sends illegal papers of foreclose of properties all day long, Never have an Judges order never. But that illegally transfers Deeds from State to State wrongfully and Federal Judge XXXX XXXX XXXX ca n't read that! NOT even the illegal Federal Lawyers can, t read this [ WHY? Who Got Paid Off? ] This federal case cost the people XXXX dollars for what?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Short-term forebearance. Lasts around 3 months, then calls about 3-4 times a day. 
Unwilling to lower payment amount. 
School closed down. Was essentially strong-armed into taking only private loans as the financial aid advisors told me I could n't qualify for any other financial aid. Was made to renew every semester with the claim " you do n't sign it, you ca n't continue/graduate '' Did n't receive diploma until loans were paid, even after graduation. 
Was told I could n't get forebearance, then told I could. 
Non-stop calls once forebearance/deferment ends

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX, my XXXX XXXX XXXX was charged {$6400.00} by XXXX XXXX without my knowledge or authorization. I did not supply XXXX XXXX with my credit card number, nor did I receive any goods or services from them. 
Dispute : Fraudulent Charge of {$6400.00} on my XXXX XXXX/XXXX XXXX XXXX XXXX by XXXX XXXX on XX/XX/XXXX. 
This card was only used at XXXX XXXX store and gas stations. There was never a transaction for an amount greater than {$1000.00}. This charge was not authorized by card holders and the card number XXXX, now changed to XXXX was never given to merchant. XXXX XXXX is the primary card holder and XXXX XXXX an authorized user, who has been removed from the account XX/XX/XXXX. 
XXXX XXXX now holds XXXX XXXX for {$6400.00} as well as XXXX XXXX for {$6400.00}. 

The charge was completely fraudulent

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 07/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
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: I charged a headset on a Bank of America card that was sold to me as an " open box '' item that was missing a part. I had to make multiple trips to the store and they insisted that I buy the missing part. I did so but it was the wrong part and the store admitted that they did not have the actual part and that I would have to buy a whole new unit. Since I had also bought a warranty that required the store to replace the defective item with a new one I wanted to do a trade ( the normal procedure ). The store refused and I told them I would be disputing the charge.
I disputed the charge but it was not processed in a timely manner. When the store challenged the the dispute I was sent a letter that arrived on XXXX XXXX, 2017 and gave me only until XXXX XXXX, 2017 to respond. I did so by fax but Bank of America refused to process my dispute.

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 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have a XXXX credit card that was charged off in XX/XX/2014. This debt was sold to a debt collection once then went back to XXXX. I believe this debt is part of the settlement when cfpb brought action against XXXX. This charge off is negitively impacting my credit report and I believe it should be removed from my credit reporting since it was from the cfpb settlement. I contacted XXXX to see if they would remove the account however they would not.

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 05/20/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My husband died XXXX years ago. He took a Home Equity Loan from Chase. After his death I continued to pay interest only as was the original agreement. As soon as the payments were converted to interest and amortization, it more than XXXX the payment. I could not afford this change and was unable to continue my payments. I have made repeated attempts to contact Chase, without success. I even went down to a branch to show the Death Certificate and Estate docs, so I could speak to anyone who could help with a loan modification. Again, I was unsuccessful. I am trying to honor my husband 's debt, but ca n't get anyone to speak with me in order to restructure so I can afford to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax disclosed my personal data due to a security shortcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from AFNI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit card () with DISCOVER BANK (NV).
Issue: Other

Complaint: XXXX/XXXX/16 Discover XXXX XXXX XXXX XXXX, DE XXXX XXXX : CFPB case # XXXX This case was instituted to address ALL prior disputes in particular case # XXXX. 

By my action in case # XXXX, ALL previous disputes on this single issue, are satisfied and closed. 

The reason is that the state of these XXXX ( XXXX ) Discover credit card accounts have been addressed to meet with my satisfaction. 

Account # 's ending in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Credit card debt) with Malen & Associates, p.c. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I have found out this firm has opened cases against me but i've yet to be served. I've previously informed them that my income is from social security and is protected. I am XXXX years old with XXXX and still recovering from a XXXX, this is becoming an undue stress for me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (MO).
Issue: Loan modification,collection,foreclosure

Complaint: us bank mortgage keeps giving me the ran around about my final modification, i just completed my 3 month trail period, and now they will not send me the final modification paper work, I have called everyday and still get the ran around from very person I speak with. I am assigned a relationship manager, but they are never available to speak with me about my mortgage account, and every person I speak with at us bank home mortgage have little knowledge of what they are doing, and can never give good information, they just keep suggesting that I made a mortgage payment of {$910.00} until my final paperwork is sent out and I am not going to keep giving them money and have no final modification amount set for me to pay yet. US BANK HAS HAD MORE THAN 45 DAYS TO GET T HIS INFO OUT TO ME, BUT OF COURSE THEY ARE SAYING THAT IT IS IN THE FINAL STAGES, BUT NOTHING DEFINITLEY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I currently have an account with XXXX XXXX XXXX for XXXX with XXXX. XXXX are charging me with giving back the equipment which I already did. I have my recent and XXXX still has n't changed the information. This account should have never been on my credit report and I 'm requesting removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2016 about Debt collection (Payday loan) with High Point Asset Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted today by XXXX ( extension XXXX ) from XXXX XXXX XXXX ( XXXX ) and advised that she was calling in an attempt to collect a debt. Knowing I have no accounts in collections or accounts with debts owned on my credit. I could only assume this involved the previous debts I disputing with High Point Assets in previous CFPB complaint XXXX and XXXX. XXXX confirmed the XXXX accounts had recently been purchased and wanted to know when I would be making payment. I advised the her company purchased fraudulent debt and the amount I was being accused of owing was already in dispute with the FTC and the XXXX, and issued her complaint numbers. She did not care. High Point Assets was never able to validate the debt they said I owed yet were able to sell this supposed debt to another agency. I humbly ask XXXX to break this cycle of buying and selling fraudulent debt and resolve this issue once and for all. In the mean time I will be issuing a certified letter to cease and desist communication attempts.

Company response to consumer: Untimely response
Consumer complaint received 10/31/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We had a home for 15 years in XXXX XXXX, NJ and my husband lost his job in XXXX of XXXX. We tried to sell the property in short sale, but XXXX denied XXXX separate short sale offers. We went into a backdated foreclosure in XXXX of XXXX and had moved out of the house at that time. XXXX then got caught up in the robo-signing mess and our foreclosure was put on hold. In XXXX, we were told that the XXXX forgiveness act was expiring and we should file for bankruptcy against the house due to it still being in our name and again in active foreclosure. The home was discharged in XXXX XXXX. Our loan had been sold to XXXX when XXXX went under, and they were notified of the bankruptcy. They assured me that they would put the home in sheriff sale, but during the XX/XX/XXXX, 6 years after initially leaving it, we were told it was sold to Seterus. Seterus has been calling me weekly ( every 5 business days ) on my cell phone to try to collect the debt, though they know we were discharged and they have been given the file number repeatedly. We also get weekly or bi-weekly collection notices through the mail. 
The house is still in our name though it was turned over to XXXX in XXXX, and we are forced to still rent due to the inability to attain a mortgage because of the lien in our names. 
We have been given varied directions by attorneys, such as to rent the property and make some money, do a deed in lieu, which had already been offered and refused, or just wait it out. 
We need help!!! There is no end in sight at this point, and it is severely preventing us from moving on with our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Other transaction problem

Complaint: Western Union canceled a money transfer of {$120.00} on XX/XX/XXXX and said i would receive a refund within 7-10 business days. I never received it as of XX/XX/XXXX Western Union said they needed to have the Receivers Id to process the cancellation. I emailed that to them and they emailed me back within a couple of days stating my refund had been sent. Now it is XX/XX/XXXX and i still have not received my refund i have contacted Western Union multiple times and they keep telling me i should get my refund they promise to call me back and never do so I am hoping you all can resolve this issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX has called : my cell phone ( understandable, and in all honesty I cant answer when they call because Im at work ) my workplace a co-worker at home my XXXX XXXX XXXX niece my sister-in-law at work ( and asking her employer to confirm HER employment ) And these are just the calls I know about. I get it. I owe for my student loans. Honestly I dont care that any of these people know that I owe money to the federal government, but harassing them isnt going to miraculously put enough money in my bank account to pay my loans back.

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 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Today I checked my credit report from Equifax. My score drop four points for no apparent reason. Equifax also continues to show accounts and inquires on my account that is passed the seven year time period. They also show accounts where they have not received any viable documentation that the debt is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX 2015 I locked a loan with Bank of America XXXX BofA XXXX. XXXX XXXX was the loan officer. The interest rate was 3.5 % and the APR was 3.519 %. On XXXX XXXX I was informed that BofA could not honor the loan interest rate that we locked on XXXX XXXX. They stated that they could do that days rate which was now 3.75 %. I cancelled the loan with BofA and moved to XXXX bank where I closed a loan at 3.75 % interest rate in less than XXXX weeks. 
I had moved to BofA from XXXX originally because XXXX had enticed me by stating that he can beat on the rate and closing costs. XXXX had offered me a 3.5 % interest rate and XXXX had stated he would beat them at the closing cost amounts and at least match the interest rate through what he called a 'competitive match ' situation where he obtained approval through his boss. There are supporting documents that show the 3.5 % interest rate lock. Also, XXXX received documents that day. I 'm unaware of what they entailed. Please let me know if you need more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: NAVIENT has change my Federal Student Loan to a Personal Loan and they are trying to send my loan to a collection agency, even though my other loans that Navient has on their books are in Forebearance

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Flagstar Bank is my current mortgage servicing company and they are showing me as having made late payment during XX/XX/XXXX and XX/XX/2016. I have received a letter from Flagstar Bank research department in which they state this was a mistake on there part. I would like Flagstar to resolve this issue ASAP and report my payment history to reflect as current and no late payments. 

Thank You.

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 05/15/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my requests to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation