milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased a property in XXXX ( XXXX XXXX ) and used Bank of America to finance the 1st and 2nd mortgage on it in XX/XX/XXXX. Unfortunately, the condo I purchased was involved in a real estate scam and as a result lost its value. On top of that, I had an unfortunate tenant issue where the tenant got diagnosed with XXXX XXXX and was dealing with mounting medical bills, and eventually could no longer pay rent. I tried to work out a coop short sale in XX/XX/XXXX with Bank of America but they basically ignored me and then foreclosed on me less than a year later in XX/XX/XXXX. The first mortgage account got closed out in XX/XX/XXXX, but it took Bank of America another 2 years to close out the 2nd mortgage account in XX/XX/XXXX, which prolonged the derogatory marks on my otherwise pristine credit score. To add to the insult to injury, when the 2nd mortgage account was closed out in XX/XX/XXXX, there was apparently unpaid interest due ( {$44.00} ), but Bank of America never notified me of the amount due. In XX/XX/XXXX, I received a letter from Bank of America notifying me that my 2nd mortgage account was closed, and my account was " paid in full '', so I assumed that the nightmare was finally over and that my credit score could finally come back. However, this was not the case, because when I tried to qualify for a mortgage for a home purchase XX/XX/XXXX, I was notified of the {$44.00} that Bank of America claimed that I owed, and, since they could not collect ( since I did NOT EVEN KNOW ABOUT IT ), they closed the account ( AGAIN ) XX/XX/XXXX with derogatory remarks, which caused my credit score to go down again! I am upset with Bank of America because there was never any notification of this unpaid interest when the account was closed. Additionally there was the misleading letter that was sent to me that indicated that I did not owe anything, since the account was " paid in full ''. I called the Bank of America recovery department and they were not apologetic to my case, and even mentioned that there is no communication between the active loan department and the charge-off department, so therefore consumers are not educated on the fact that there COULD still be monies owed, even if the account is closed!! This issue is basically preventing me from being able to purchase a house for my family, and this foreclosure happened FIVE years ago!

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Applied for loan with  XXXX  and was denied due to the following reason : Unable to verify personal information or identity.   
The credit reporting agency is LexisNexis Risk Solution Bureau Consumer Inquiry D  epartment  XXXX .  XXXX   XXXX   XXXX , GA  XXXX  Toll free number  XXXX  I have never heard of this agency and can not get my report because they can not verify my identity. I do n't know where they get their information from but how do I get this corrected? I ca n't verify it is me according to them to fix the information that I am denied for. When I enter my ss to request report the recording tells me it is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Identify Theft. Macy 's American Express sent a second card to to a different address and also increased my limit to {$10000.00}. Person charged {$42.00} at a gas station in XXXX and then tried to charge {$1300.00} at a XXXX was declined and tried again with a different amount of {$1100.00} at the same XXXX a few minutes later. Macy 's American Express contacted me with this information and gave me their Citi Fraud info to file. They did not remove the {$42.00} from my card ( which I am not responsible for as it was not me and they caused this from the beginning ). I refuse to pay this and am getting finance charges plus fees and as of XXXX/XXXX/16 total due is {$70.00}. I have tried to deal with them directly but can not get any satisfaction. All my answers to my questions get the response no I can not connect you to the person in charge of your case in the fraud department. This is been going on since XXXX XXXX and has not been resolved to date. I followed all the instructions given so I am not sure why Macy 's insist I pay the fraudulent charge. This should have been written off on XXXX XXXX, 2016. Even Citi Identify Theft Solutions can not get this resolved with Macy 's American Express. I have cancelled my Macy 's American Express as well as the Macy 's credit card.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Total Card, Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a card with XXXX XXXXXXXX XXXX XXXX XXXX. This account is paid and closed. The creditor is still reporting this account with a balance as a charge off. 
When i made the arrangement to pay the card off i was told after the payment that the account would be deleted from my credit file. 

I also asked for this is writing after the payoff which was over a month ago and i never received anything and the account is still reporting incorrectly on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (IL).
Issue: Struggling to pay mortgage

Complaint: Home purchased with former spouse in XX/XX/XXXX with assistance of XXXX XXXX XXXX XXXX XXXX ( XXXX ) ; divorced in XX/XX/XXXX, did quit claim deed ; laid off in XXXX, underemployed in subsequent job acquired in XX/XX/XXXX, on XXXX in early XX/XX/XXXXas result of complications due to XXXX XXXX ; received assistance from Illinois ' Hardest Hit but require authorization from former spouse to continue ; have no contact with former spouse ; have never had a loan modification ; mortgage company denied request for modification stating an additional {$1200.00} must be brought in monthly to even consider a modification, but if I had an additional {$1200.00} per month I would not need a loan modification ; my ultimate desire is to remain in my home especially given the stress of my chronic medical condition.

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 09-10-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Mortgage Company : Shellpoint Mortgage Servicing Loan # : XXXX The servicing of our loan was transferred to Shellpoint. I had questions about the transfer. On XXXX/XXXX/XXXX I sent a Qualified Written Request to XXXX asking if the transfer was done correctly, was MERS used and who has the title/line. 

Today is XXXX/XXXX/XXXX. I have not received any response to this QWR. I sent follow-up letters on XXXX and XXXX asking for a confirmation of receiving my QWR. .I have heard nothing. RESPA requires a confirmation within 20 days and a response within 60 days. I have back up for all those letters including proof of delivery using US PS priority mail. 

I also believe they have reported negative information regarding my credit and status during this period when they should have been working in some reply to my QWR.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Managing the loan or lease

Complaint: I refinanced my vehicle loan through my bank ( University XXXX Michigan XXXX ) after my loan went into collections with my initially loan company ( Santander Consumer ). I have since paid off the loan in its entirety but the company ( Santander Consumer ) continues to post a negative status to my credit report monthly causing my credit score to be affected negatively. I 'm currently in the process of purchasing a home and this is causing issues with my home loan. I have the documentation of the payoff amount and date is was paid but they still refuse to stop reporting to my credit report after multiple requests from myself and my mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with M. G. Credit, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There are no contracts or signature verified

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I believe they purchase a credit card debt Portfolio Recovery have been harassing me with phone called, since 2013 to date I even change my number they obtain my new number illegally and continue to harassed me after I repeatedly asked to stop put me on a do not call list, thet continue to from endless different number I usually put them on my block list they just continue from a new number all time off the day and night. PORTFOLIO RECOVERY NEED TO STOP HARASSING ME. PLEASE. THIS WAS THE LAST NUMBER THEY CALLED ME FROM XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: " XXXX '' employee XXXX of Sears ( my phone however indicated that the call was from " Citi '' ) called one business day after another such caller called probing in the same way about a non existent debtor in my home. Both were told that they did not have the debtor they sought. XXXX asked if I denied a relationship with the debtor despite my comment that on my belief and information the debtor lived in XXXX, not XXXX. I also informed her that I was born XX/XX/XXXX. She promised, as did the caller the week before ( Friday ) not to call again. The phone number XXXX dialed from read out XXXX 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 non-monetary relief
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX 2017 I sent a certified letter to all three credit bureaus stating that I had multiple inquiries on my report I did n't recognize and I did n't authorize these inquiries. I have yet to hear back from the companies. I decided to call Equifax on XX/XX/XXXX, and was told they received my certified letter but they put the information in wrong and they will start the investigation all over. I was never notified of anything prior to calling on this day from either XXXX, XXXX or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Problems caused by my funds being low

Complaint: I have called Chase on multiple occasions to confirm their process on overdraft fees and was consistently told pending charges process at XXXX eastern ( one person even said XXXX ). I have on at least 3 occasions now been charged overdraft fees for charges listed as pending after this time and for which a deposit was made. excuses range from 'that shouldnt have happened ' to 'your deposit was pending '. I have never been charged an overdraft fee or been denied access to funds when my direct deposit hit, so I do n't know they are consistent in answering this. To date I have paid at least {$170.00} fees in this manner, where a charge is listed as pending after their processing time, a deposit is made, and I am still retroactively charged an overdraft fee. I have also paid fees, even after Chase 's settlement, for their stacking of charges to maximize overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2017 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I notice that this company is on my credit report. I never received any outstanding bills, any notices from this company no information about this collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX has inaccurately reported to XXXX and TransUnion Credit agencies that I had a late credit card payment in XXXX of 2016. This is not accurate. After speaking with XXXX XXXX on multiple occasion they informed me on those multiple occasions that I do not have any late payments. When I contacted XXXX they have informed me they have sent multiple off-cycle updates to the Credit Reporting Agencies to update the inaccurate information. This has not occurred as the same late payment is still on my credit reports. 

I have disputed the late payments multiple times and nothing on the reports has changed. Either XXXX XXXX is not responding to the disputes or the Credit Reporting Agencies are not truly investigating and providing the same inaccurate information when they receive the disputes. All said the issue is not resolved and its been 3 months since the initial dispute was filed and XXXX along with the Credit Agencies have been contacted about the issue. 

I do not want to have to resort to legal means to get the issue resolved but will if it is not handled immediately. This is black and white, I did not have a late payment in XXXX yet it is being reported as late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP. I had attached a chat that I had with a XXXX Representative that confirms my statement.

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 07-08-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt collector actually owes me a refund. I have been repeatedly told since XX/XX/XXXX that they have refunded the money. Mailed to wrong address, returned to them, deposited to my account, mailed to my home. I have still NOT received the refund. Check was supposedly mailed from XXXX to XXXX, still have NOT received it. They refuse to supply a check number or verification of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a co-signer for my Daughters school loan. I have XXXX loans. She has been XXXX. I have informed Navient in the past that she was XXXX and that the max she could pay them was {$150.00}. It seems that they never document her account because I have had this discussion EVERY month for the last 8 months. 
I received no phone call or direct mail to inform me that a payment had not been made. 
I called to discuss that as the co-signer was not properly notified. I would bring my account up to date. That because I was not properly notified as the co-signer I request that they remove the delinquent from my credit. 
I had difficulty with the representative, XXXX XXXX # XXXX. 
1. He does not speak XXXX very well. When I asked for a fluently XXXX speaking representative XXXX was not " available '' 2. I was told XXXX different numbers that needed to be paid. XXXX ( her monthly agreement {$150.00} ). 
total bill of {$670.00} or the total bill of {$940.00}. 
3. He told me he would not remove the late payment ( remember I am the co-signer and I was not properly notified ). I asked for his supervisor. XXXX was not provided. He then told me he COULD remove it from my credit-IF I gave him authorization for auto debt from this point forward. I do n't do auto debt. There have been some complaints filed of Navient messing with peoples bank accounts that I read on line. Another concern was he told me XXXX different numbers that needed to be paid. {$280.00}, {$670.00}, or {$980.00}. The monthly payments are {$150.00} I thought about going ahead and giving him an account number if it meant removing it off of my credit. He told me in another sentence he WOULD NOT be able to remove it from my credit. 

I then got frustrated and pointed out how many times I repeated myself and had to explain things. That he was telling me XXXX different things. The amount owed and his authorization to remove from credit. Also that a supervisor was not available-but I could hear someone in the back ground coaching him? 
The bottom line was I was only able to talk to him-the communication was confusing- I was told to give him my bank account number or he would disconnect the call. 
My call was disconnected ... .... The End

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Debt collection (Medical debt) with Uptain Group, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On or about XX/XX/XXXX, I noticed an account on my credit reports for {$430.00}. I immediately sent the company a letter asking for validation of alleged debt, and proof with my signature that I have any obligation or contractual obligation to pay them. I received a piece of paper showing the alleged amounts I allegedly owe nothing that I asked for in my letter to them. I again sent a follow-up letter dated XX/XX/XXXX have not received any response nor have they noted on my 3 credit reports as per Federal and State law that the account is being disputed.

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 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed Chase and XXXX accounts and hard inquiries ( XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX ) I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: Appeal was sent to lender : Not review  for HAMP lo an when application received by lender on  XXXX / XXXX / XXXX  but no decision made until  XXXX / XXXX / XXXX  - review of HAMP decision not defined or even mentioned.  <P/> Attaching denial we received fro  m Ocwen.
<P/>  Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulatio  n X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
<P/>
The denial letter that you provided indicates that your company failed to evaluate this borrower for HAMP Tier II or an equivalent program that should have been available as an option. Please re-evaluate this borrower for all mandated and in-house loss   mitigation options.

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 04-09-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call repeatly sometimes every hour. I have requested them to stop the calls. I am very sick and having XXXX problems. This has contnued for 60 days now. They call even on Sundays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2016 about Debt collection (Payday loan) with Apex Resolution Group LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company calls my family members and threatens a lawsuit. They have threatened to call the IRS. They have threatened to have my bank accounts closed. They continue to call my parents and my siblings and provide personal information. 

Continually calling my mobile phone without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Contacted at XXXX XXXX EST on XXXX/XXXX/2015 from phone XXXX sears department to my cell phone at XXXX. I told the rep that I will make payment on the next due pay because I had tried to make a payment extension to avoid late fee and it was not granted so I received a late fee. Rep told me if I wanted to make an automatic payment on the due date and I said no. Rep then told me that If did not set the automatic pay I will continue getting calls. I said that 's ok I am busy good bye.

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