milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Credit Management/Midland Credit Management over the last couple of months i have requested validation a couple of times for a debt that is listed on my credit report by this company. I have asked for evidence that bears my signature that shows a contractual obligation to pay Midland Credit Management or Midland Funding ( It uses more than one name ) depending on which credit bureau that you check with. I sent a certified letter to the one address listed on the credit report only to get it back with a forwarding address. This company has different names and address listed which is inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit card () with CITIBANK, N.A. (TN).
Issue: Unsolicited issuance of credit card

Complaint: XXXX hard inquiries by CBNA ( XXXX XXXX, 2016 and XXXX XXXX, 2016 ) appear on my credit check provided by XXXX. Neither of these hard inquiries were requested nor approved by me. I was not only living overseas during this time period but also delivered a baby -- seeking an additional line of credit is not something I did. 
XXXX is unable to resolve the unapproved inquiries as they said they only report on the facts. Thus I called Citibank who would not provide me any information other than requested I " contact the credit bureau '' and suggested perhaps there was fraud. 
I believe either CBNA made unauthorized checks on my credit history or someone was attempting to fraudulently open a line of credit in my name.

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 04/20/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Credit decision / Underwriting

Complaint: My XXXX mortgage was sold to OCWEN in XX/XX/XXXX. Since that time my escrow has been miscalculated requiring yearly catch up. Also, they transitioned to a new " web '' system and now I can not retrieve any payment info prior to XX/XX/XXXX which is affecting a refi with another bank. They are not responsive and have horrible outsourced XXXX based customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (VA).
Issue: Trouble during payment process

Complaint: In  XXXX   XXXX  I decided I wanted to Pay Off my mortgage loan. I started checking my Principal and Interest balance. I noticed t hat ShellPoint Mortgage Servicing ha d the wrong final payment date on my loan.They said the maturity date was  XX/XX/XXXX  By my Promissory Note the date was  XX/XX/XXXX . When I spoke to them they agreed to  XX/XX/XXXX . I then told them that the Principal and interest balance was off also. They told me I needed to put in writing a complaint which I did on  XXXX . I sent them a  Amortization Schedule w ith my loan imformation. They said they had 30 days to respond which they never did. Every time I would call and speak with someone they gave me the run around. As of today my Principal and Interest should be  XXXX  not  XXXX .   Loan started on  XX/XX/XXXX  first payment  XXXX .  XXXX  is my principal and Interest payment per month. loan was for  XXXX  at 15 years for 180 Payments with a fixed Interest rate of 7.9 % .When I asked them to send me a Amortization schedule they said they did n't have to.This loan has never been modified or any payments deferred The loan is current. I appreciate your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have been disputing a debt Nationstar Mortgage , LLC has been trying to collect since XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Nationstar responded to a CFPB complaint declaring they were the servicer for Bank XXXX and the account was XXXX payments delinquent. On XXXX XXXX, XXXX, Nationstar 's counsel sent me a letter advising they were rescinding the acceleration of the debt. This contraverts the response on XXXX XXXX, XXXX indicating the loan was XXXX payments delinquent. Nationstar never purported to accelerate the alleged debt. There has been no activity on this account since the alleged transferred. I have never made any payments or executed any loan agreements with Nationstar. In conclusion, On XXXX XXXX, XXXX, XXXX days after the alleged Rescission, Nationstar responded to the XXXX credit dispute indicating the account and past due balances of the account were {$0.00}. Nationstar has consistently given conflicting information referencing the alleged debt. It appears they have n't done any due diligence to investigate this account ; after I 've vehemently disputed it. PLEASE HELP ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My employer received a letter from a law firm to let them know about a garnishment against my salary, I was surprised by the news because I have never received a call or notification to contact me. 
I really I am trying to find out what was this debt the law firm has not clarified to me that it Belongs, so I proceeded to look for information and try to contact someone in XXXX but The company is no longer valid or open for business and The person whom I talked in the law firm does not give me information I proceeded to check my credit report it does not show any type of debt in XX/XX/2009 for the amount they are trying to collect. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (TX).
Issue: Problem with the payoff process at the end of the loan

Complaint: I have called several times on my account getting quotes of the payoff. Customer service representatives are quoting me different amounts that is owe for the payoff. I was quoted on XX/XX/XXXX that the payoff for XX/XX/XXXX is {$570.00}. I made a payment on XX/XX/XXXX for {$320.00}. I understand that there is a daily accrue of interest for this loan. I do not know how it come that I call on XX/XX/XXXX that the payoff is now {$440.00}. I do not understand this math. I was also told on XX/XX/XXXX that I my contract states that my last two payments are in XX/XX/XXXX on a bi-weekly basis when I only get paid monthly. I do not see how this is fair practice with pay day or installment loans.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: After several attempts to log in and get my credit report Experian keeps stating they are having tech trouble. Every single time? All the time?

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 05/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Forbearance / Workout plans

Complaint: I entered a hardship repayment agreement with American Express through their customer service process over the phone. I was told that I agreement was to make {$950.00} a month payments until the debt was paid off and that my account would remain in good standing. American Express accepted the payment but still reported me as delinquent which dropped my credit score, raised my payments with other creditors and increase my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX 2014 I sent a letter to XXXX XXXX XXXX, Chief Financial Officer of Bank of America requesting certified copies of " any and all documents '' relating to my loan ( see attached ). I received a response from XXXX XXXX, Consumer Advocate with Bank of America which contained several documents. None of the documents were signed or stamped by a notary or had any indication that they had been certified to be true copies of the originals. 

The documents indicated the ( original ) lender to be America 's Wholesale Lender/Countrywide Home Loans. There was no document advising that the loan had been transferred among the documents sent. 

On XXXX XXXX 2014, I again sent a certified letter to XXXX XXXX XXXX, Chief Financial Officer of Bank of America stating that the documents received had no indication that they had been certified as true copies of the originals. I also informed XXXX XXXX that there were no documents indicating compliance with Title 12, Chapter 27, Section 2605 of the USC. I again requested certified true copies of the original loan documents as well as certified true copies of the notification of transfer of the loan. 

I again received a response from XXXX XXXX, Consumer Advocate with Bank of America which contained the same documents sent previously. Again, there was no stamp, signature, or letter to indicate that the documents had been evaluated by a notary or other impartial entity and determined to be true copies of the originals. Again, conspicuously absent were copies of the transfer notification documents, certified true or otherwise. 

The nature of my complaint is as follows : Bank of America has violated Title 12, Chapter 27, Section 2605 of the USC. Specifically, Bank of America has failed to provided requested documents on more than XXXX occasion as provided for in paragraph ( e ), ( 2 ), ( C ), ( i ) of the above referenced code. Specifically, Bank of America ( and America 's Wholesale Lender/Countrywide Home Loans ) failed to provide timely notification of my loan transfer as directed in paragraph ( f ), ( 1 ), ( A ), ( B ), and ( f ), ( 3 ). 

Based on Bank of America 's inability ( or refusal ) to provide the requested documents, and coupled with the fact that Bank of America has been fined for 'irregularities ' in its handling of mortgages it is doubtful that Bank of America is in fact the legal mortgagee and that I am actually indebted to Bank of America XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02-09-2017 about Debt collection (Credit card) with Northstar Location Services, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Northstar Location Services continually calls my employer after I told them not to.

Company response to consumer: Closed
Consumer complaint received 11/30/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My wallet was stolen in XX/XX/2005. My I.D . and social security card were in it. Since then collection bills, installment loans, and credit inquiries are now showing up on my credit report and I have to dispute them directly with the credit bureaus. I have had no success in having these items removed from my report so far. I am requesting that a further investigation into these claims against me be looked into by the consumer financial protection bureau. To protect my rights as a borrower, and to exercise my rights into the Fair Credit Reporting Act.

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 05-01-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We have already submitted several complaints about same situation and now I have just found out more information which is destroying us and needs rectified immediately. One of past complaint numbers is XXXX. This should help you get the other and all past case information. Thank you. 
The new case info I just found is that Bank of America placed info in our credit file that states we had a foreclosure started. I warned them at least 2 years ahead of situation that was coming and they did not do mod until we missed payment. We made late penalty and then made payments during mod process until we were advised by BoA not to any more. But BoA still kept late payment time adding up.BoA messed up several times delaying everything. When finished mod. BoA only extended high interest rate ( 5 3/4 % ) and made loan 40 yrs instead of 2 % for 30 yrs even though our monthly set bills where over the ratio required. Then we missed the XXXX mortgage payments also with BoA and so we went through Save the Dream Ohio and BoA messed up again even with us warning them ahead of time up front not to make the mistake they did. BoA just brought it current which was of no use as we could not make payments and needed it paid off with Save the Dream funds. It took several more months to get BoA to get act together and finally with the remaining Save the Dream funds and added funds we borrowed from Family got XXXX paid off completely. We were told we could refi in 1 year on XX/XX/XXXX. Now have tried and just found out BoA messed up again. BoA placed foreclosure inforemation on our credit report such that 1st they do not have the late payment off untill XX/XX/XXXX not XX/XX/XXXX, then also because of foreclosure info ( which we did not have ) making a XXXX on some refi banking thing. We can not refi untill XX/XX/XXXX at all. BoA is killing our finances and Family. BoA executives should be taken to jail as we at a point were working with the executive offices of BoA. All this requires fixing immediately and even compensation for BoA 's hardships, pain and suffering they have caused us and I am sure many others. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (I do not know) with Midwest Recovery Systems (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is my second request for " validation of debt '' in regards to this account. Why am I having to send a SECOND REQUEST? If you are confident enough in the accuracy of this account 's content to report it to the credit reporting agencies, why are you unable to honor my request in a timely manner? This is a simple request of validation that should be easily provided and not a refusal to pay. Would you just pay anybody just because they said you owed them? 

I work too hard for my money to just hand it away without sufficient proof that I am the correct debtor and am being billed the correct amount. The fact that it is taking so long for you to validate, makes me think that you are stalling due to not having proper documentation. I am formally and once again requesting a validation of the aforementioned debt. 
I would like to see : Copies of any signed documentation obligating me to pay this alleged debt. 
The name, address, and phone # of the original creditor, since you are a third party collection agency. 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A detailed history of ALL transactions on this account including but not limited to all payments, refunds, interest, fees, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Credit card) with Alliance Recovery Group (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a call informing me that they were processing an order in regards to a complaint filed against me and I had the opportunity to provide my address to the " information center '' so documents could be served to me at either my home or work address. I was given a case number. When I called the number with the referenced case number, I was told I had a delinquent account from XX/XX/XXXX, which was sold to a group of attorneys and finance company to collect funds. I was told it was a XXXX XXXX XXXX credit card I opened XX/XX/XXXX and was delinquent XX/XX/XXXX. I was told I could pay {$800.00} on a {$1800.00} delinquency. A document was sent to my email to sign to clear the delinquency and avoid legal action. They also explained that the phone call was to determine if the delinquency was purposeful or inadvertant. I explained I was unaware I had a credit card from XXXX and that I was going to check with XXXX to determine if this information was accurate. Upon speaking with several representatives at XXXX, I learned I did not have any credit cards with XXXX, and none that were charged off as delinquent. I called the " agency '' back and informed them of their error. I did receive their full mailing address and the agency name : ARG & Associates ; XXXX XXXX XXXX XXXX ; XXXX, AL phone number XXXX

Company response to consumer: Untimely response
Consumer complaint received 03/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Rewards

Complaint: my credit card company ( capital one ) stopped giving me reward points several months ago when i complained they said they would correct the problem but it would take a while. after waiting for a couple monts i called them again and they told me that i had exceeded the rewards maximum, i told them that there is no maximu according to their rewards agreement. i want to file a complaint against them, and get the money the owe me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I requested my free credit report on XXXX for all three agencies. The XXXX loaded fine and I saved it. However, the XXXX  report failed to load and the Experian report did n't load properly in my browser but reloading the page requested the report again. The second time it said my request could not be honored and I had to request it by mail. I called XXXX to order the free annual report but the automated system wanted to charge me since I requested the report online, even though I never received or viewed it. The Experian website to request a report did not work when I tried to submit documentation for a report by mail.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My name is  XXXX   XXXX  not  XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX    XXXX   del  XXXX  not  XXXX    XXXX   XXXX   XXXX    del  XXXX   XXXX   XXXX   XXXX    XXXX   del  XXXX   XXXX   XXXX    XXXX   de  XXXX , and the last for digit of my social is  XXXX  not  XXXX , and my phone number is  XXXX  not  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Trouble during payment process

Complaint: Specialized Loan Servicing, LLC has not had an operational website since my loan was transferred to them in XXXX 2017. As they refer you to their website to obtain information about your account it would seem logical the site would work.

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 09/29/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: On or around XXXX XXXX, 2016 identity theft and fraud claim was reported on a checking account in which I am a joint owner. Both myself and the other account owner made a report. In addition to the verbal report to USAA on XXXX XXXX, 2016, a police report was filed on XXXX XXXX, 2016 and a copy was provided to USAA. 

During the course of USAA 's investigation, USAA has frozen all accounts in which I was a sole owner, preventing me access to my money, and by locking me out of online account access, USAA has prevented me from updating other products that I have, i.e. Auto & Property Insurance, Life Insurance and investments. Furthermore, USAA sent a notice requesting that I pay {$12000.00} in overdraft fees in which I am not liable according to USAA 's Terms and Conditions. 

USAA 's policy states that account holders have 60 days to report fraud. The report was made well within the 60 day timeframe. In addition to the verbal report, the debit card associated with the account was reported as lost about a week prior to the fraudulent activity being detected. The {$12000.00} is excessive and goes against USAA 's written policy regarding fraudulent charge reporting. The investigation into the matter was opened on or around XXXX XXXX and as of XXXX XXXX, I have not received any information or updates about the findings of USAA 's investigation or how USAA came to the conclusion that the account holders were liable for the {$12000.00} in overdraft charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MN).
Issue: Settlement process and costs

Complaint: Ocwen called us about our Mortgage, said we were behind, we were NOT in fact we had paid over what we owed. We pulled bank records etc to proved where we paid and asked where it had gone, no response. Next I know we are getting letters stating our home is going in forclosure and going to be offered on a sheriffs sale unless we take this Modification they are offering. after going back in forth with them for weeks, months we were forced into taking this modifaction just to keep our house, then find out after we sign it the added a balloon to the loan and has hurt our credit. I was at an  XXXX   credit score  now I am at a  XXXX . Oh also our payments went up, not down, however I cant find another company to take over the loan as they have hurt our credit, added all these fees etc to the loan resulting in thousands of dollars, what does one do? please let me know what we do at this point.

Company response to consumer: Closed with explanation