milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Late fee

Complaint: I have a Bank of America ( BOA ) credit card. I enrolled in BOA 's " e-Bills Automatic/Reccuring payments '' which automatically " Delivers the payment on the due date. '' The most recent payment due date was XXXX XXXX, 2016. I received confirmation that " The payment of {$250.00} will be delivered by XXXX/XXXX/2016 with confirmation number [ ... ] ''. BOA then processed my payment on XXXX XXXX, 2016, stating " This payment was transmitted electronically to Bank of America Credit Card on XXXX/XXXX/2016. '' However, BOA did not actually withdraw funds from my checking account until XXXX XXXX, 2016. As a result, BOA charged me a Late Payment Fee of {$25.00}.

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 02-02-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient reporting 120 day late payment when I have been on required auto debit from my bank account. I have filed a credit dispute with them since I have proof that Navient misapplied my payments and I was told that they would remove the late reporting and they never did. Navient has denied my claim to remove this late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For a little over two months now I have been working with Portfolio Recovery Associates to get accounts removed from my credit report and stop collection activity because these 3 accounts were opened from a previous address where I lived in XXXX. I was living in XXXX during the timeframe notated in their documentation. I asked them to provide some additional proof beside billing statements because all of that documentation shows and address where I was not living at that time. However they continue to send the same documentation and say that it 's verified. I need some help getting to the bottom of this issue and getting it resolved. I filed a better business complaint and the company did not respond so I am hoping you all can help. I have sent my offer letter from my job here in XXXX, utility bill, and lease agreement. I also have current accounts opened with the companies they are stating that I owe and I am unsure how they would allow me to open new accounts with charged off accounts in their system. The three cards are two XXXX XXXX cards and one XXXX XXXX XXXX XXXXXXXX. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2015 about Consumer Loan (Installment loan) with EXPERT GLOBAL SOLUTIONS, INC. (NC).
Issue: Problems when you are unable to pay

Complaint: In XXXX, my husband lost his job and I had to file bankruptcy chapter XXXX. Within that first year, I voluntarily vacated the bankruptcy and made settlements with all my creditors. On XXXX/XXXX/XXXX I received a settlement letter from SST, signed by XXXX XXXX, stating if I paid {$1600.00} by XXXX/XXXX/XXXX, my accounts status would reflect Closed-Settled. 

Since then, neither XXXX, XXXX or XXXX reports, " Closed-Settled. '' I filed several disputes over the years and made numerous calls to correct this error. Just here recently, on XXXX/XXXX/XXXX, I spoke with SST 's operator XXXX and she stated, she was not changing the status and it was going to remain there for the next XXXX years. I called SST back on XXXX/XXXX/XXXX after I located my letter ; again I spoke with XXXX and she refused to even listen to or acknowledge my letter, until I offered to fax it to her. At that point she finally admitted to locating the letter in her system. After several more minutes of speaking with XXXX, I began to feel she was taking this issue personally and was n't going to be of any help. 
Finally, I asked to spoke with a supervisor and XXXX stated, I 'm not connecting you to my supervisor, but I 'll connect you to a supervisor ( unnecessary comment ). Within a few moments, XXXX came to the phone. At first, XXXX was upholding XXXX position until she read the letter for herself. She then informed me, she was going to have XXXX add notes to the account to reflect closed-settled. I informed XXXX, the letter does n't mention " notes '', and this was unacceptable. She read the letter again and agreed to have XXXX update the status of my account with all XXXX agencies by the end of the day. Well, today is XXXX/XXXX/XXXX and the status was updated with XXXX to reflect that I was in Chapter XXXX Bankruptcy-Dismissed, something I never filed. To add insult to injury, comments were posted, " Account paid in full or less than full balance ''. Moreover, my XXXX has n't been updated at all, it still reflects Charge-Off.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAINE & WEINER COMPANY, INC. (MI).
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: On or about XX/XX/XXXX I sent a letter to XXXX XXXX and XXXX to dispute the amount reported from XXXX XXXX Card to both credit reporting bureaus. I frequently utilize XXXX XXXX to monitor my credit report, upon doing so I discovered a mistake that was made by XXXX XXXX XXXX XXXX. 
Issue : On the credit report XXXX clearly did not indicate the payment that was made to them on XX/XX/XXXX ( {$54.00} ) & XX/XX/XXXX ( {$64.00} ) to both credit bureaus. Please see uploaded document form my XXXX XXXX online account billing invoice highlighted for supporting documentation. 

2nd Issue : I mailed a dispute letter to XXXX & XXXX XXXX to correct XXXX XXXX 's mistake. XXXX XXXX notified me by mail stating that this this information was disputed and updated. Upon receiving a new credit report from XXXX XXXX ( pg. 5 out of 12 ) still have down that I was thirty days late with payment. My XXXX XXXX card is due the XXXX of each month. XXXX XXXX failed to report this information correctly to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Account opening, closing, or management

Complaint: I have been a victim of identity theft and have since engaged XXXX to monitor for account openings, financial activity, etc.. using my SSN and/or name. On XXXX XXXX, 2015 I received multiple notifications from XXXX stating that checking/savings accounts had been openend in my name using my SSN. I quickly contacted Wells Fargo, provided all identifying information and offered to go to a branch and provide my ID and SSN cards as proof. I was informed by XXXX that XXXX checking accounts ( with XXXX debit cards ) and a savings account had been opened using my SSN and name however the ID info was different. I informed XXXX that I did not open the accounts and they had been opened fraudulently. I requested the acocunts be CLOSED IMMEDIATELY and was subsequently told that the accounts can not be closed until I obtain a police report and complete a Wells Fargo form. These accounts are opened in MY NAME AND MY SSN but I can not close them without taking off from work and going to file a police report, then having to take off AGAIN to go pick up the police report and submit along with the Wells Fargo form so they can conduct an investigation before the accounts can be closed. This is Ludicrous! I have had a mortgage with Wells Fargo for several years and they can clearly see I live in XXXX yet they knowingly opened accounts in XXXX without properly verifying the identification of the individual because if they would have verified the ID they would have realized it did NOT MATCH what they had on file for me! Wells Fargo has failed XXXX and XXXX responsibilities and I am being punished for their lack of concern for these policies!

Company public response: Company chooses not to provide a public response
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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have inquiries I do not recognize by these companies on the dates as follows : XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Debt collection (Auto) with URS Holding, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm called a lot between XXXX and XXXX.. Also, I was hoodwinked when trying to set up a payment plan with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Credit card) with Shermeta Law Group, PLLC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: In my request for production, plaintiff is unable to procure documents showing the transferring of alleged contract or account information from XXXX over to Shermeta Law Group who does not even practice in the county or state that I am in. 
Counsel objects to my request to provide a contract, agreement and assignment or other means demonstrating that the plaintiff has the authority and was legally entitled to collect the debt. 
They admit that no such assignment has occurred but they are not required to by law. They cite an XXXX v. XXXX XXXX District XXXX XXXX, but their firm and the original alleged lender do not practice even in XXXX County. 
Furthermore, I am not employed and I am on XXXX and they threaten to garnish my wages. In their letter which has conflicting dates as to when it was sent and when things are due is confusing. 
And MOST alarming is the statement that says, " It is to your advantage to avoid garnishment of personal earnings because the extra burden on your employer could possibly cause you to lose your job. '' That is a threat and a fear tactic and illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with Credit Karma, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never had an XXXX account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Please refer to a previous case number that was closed and should not have been : XXXX. 
I am attaching more files for reference : Email sent to Navient on XX/XX/XXXX however the dispute had been closed and should not have been. 
I was told over the phone on XX/XX/XXXX, that as part of a forbearance Navient would show the account as current and Navient would remove any negative reporting. Based on the information provided by Navient and its representative, I agreed to the forbearance. 

34 CFR 682.211 ( c ) allows lenders and borrowers to agree orally to a forbearance as follows : " Except as provided in paragraph ( d ) ( 2 ) of this section, a lender may grant forbearance for a period of up to one year at a time if both the borrower or endorser and an authorized official of the lender agree to the terms of the forbearance. If the borrower or endorser requests the forbearance orally and the lender and the borrower or endorser agree to the terms of the forbearance orally, the lender must notify the borrower or endorser of the terms within 30 days of that agreement. '' In this case, the terms of the agreement were stated in the XXXX XXXX, XXXX telephone call. The call was recorded. I have requested a copy of the recording on multiple occasions, both in writing and over the phone. Navient has refused to provide the recording which states the terms of the forbearance agreed to. Additionally, on XXXX XXXX, XXXX I requested ( via email ) a copy of Navient 's policy regarding releasing phone recordings. See attached. Navient has refused to fulfill my request. Because Navient has failed and refused to produce the oral forbearance agreement, Navient has not addressed my complaint. 

In addition, Navient NEVER sent me the letters dated from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX which purport to put me on notice concerning the loan status. When I log in to my Navient account, it shows all the correspondence that Navient has sent me. See attached. Those letter are not showing in my inbox, and I NEVER received any of those letters in the mail. Since the letters were never sent ( as is confirmed by their own website ), any required notice to me was defective. If Navient is generating these letters after the fact, they need to be investigated. Demand is hereby made for Navient to remove the negative information reported to the credit agencies pursuant to our oral agreement on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Debt collection (Medical debt) with Herbert P. Sears Co., Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: HP Sears showed up on my credit report saying I had unpaid debt, my credit score was reduced by over 40 points and I now have derogatory remarks. This was on XX/XX/XXXX. I freaked out because my credit score is important to me, so I paid the {$440.00} to HP Sears. I then realized that there's no way I could owe {$440.00}. I checked with my health insurance company ( XXXX XXXX of California ) and this charge, which was for the XXXX XXXX XXXX of XXXX XXXX in XXXX XXXX, was actually covered by my insurance. The insurance company was a bit late in authorizing the coverage, but it did go through. I have the explanation of benefits to prove it. All I owe is {$25.00}, and I never received a bill for the {$25.00}, but I would absolutely pay it if they sent me the bill. I tried to get in touch with XXXX XXXX XXXX and have had no luck. I was on the phone repeatedly with HP Sears.  I sent them my explanation of benefits and they tried to accuse me of lying. I called to get them to admit they received my email with my proof. They admitted it. They said they'd issue me a refund. A month goes by and I noticed on Saturday, XX/XX/XXXX that my credit wasn't resolved. I even filed a dispute with XXXX, but they didn't take my side in the dispute even though I have evidence and contacted all the companies involved. So I called HP Sears yet again. I saw my credit card history and they NEVER issued me the refund that they promised, and they obviously never resolved the mistake they made that messed up my credit. I told them I wanted their agreement in writing, and I still have yet to receive that. I was able to get my {$440.00} that I was never supposed to pay in the first place back by contacting my credit card company. But HP Sears was supposed to be honest and issue the refund because I never owed the money, this was all due to their mistake, and they told me they had issued the refund. They've been scamming me and lying to me. I've been making phone calls again all night ( it's Saturday, XX/XX/XXXX ) and I can't get through to anyone. I have the proof. All I ever owed XXXX XXXX XXXX is {$25.00}, and they never sent me a bill so I can't pay it but I will pay it immediately if they would just send me the bill. I never owed {$440.00}. So my credit has been ruined because of this mistake and I have the proof that shows they messed up but no one is helping me fix it. I just want my credit score returned to normal. I don't know what else to do. The amounts aren't even consistent. I had to pay {$460.00}, and they attacked my credit for {$460.00}. The explanation of benefits said the original amount was {$440.00}, but that was before it went through insurance so I never owed anything anywhere near those amounts of money.

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 02-11-2018 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (DC).
Issue: Closing on a mortgage

Complaint: After filing my complaint with cfpd Pennymac contacted me. Once I recieved the letter detail all but one of my request. I contacted the agents phone number listed but they have not responded to my cal over a month and a half ago. My question had to do with the borrower who has refinance FHA-to-FHA and the refund of my Up Front Mortgage Insurance Premium. According to the FHA Loan Handbook, HUD 4000.1, The UFMIP is not refundable, except in connection with the refinancing to a new FHA-insured Mortgage but only within a certain time limit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: To Whom It Concern I disputed an open collection account with  Hunter Warfield Inc on   XX/XX/2017    in regards to an account for original creditor   XXXX   XXXX   for the amount of {$750.00}. For the record I requested debt validation for the debt due to me not being 100 % positive as to who I owe this debt to. I tried researching and to my understanding   XXXX   XXXX   is a property management company. I have currently been living at my recent place of residence for more than for  XXXX  years. In my previous residence I lived for more than  XXXX  years my lease was not broken and unit was properly cleaned and taken care of. Any damages that would 've been noted were due to normal wear and tear due to the fact that I was there for more than 7 years in which the property would assume responsibility. If indeed this company believes I owe any additional monies I believe that my rights to a itemized listing of whats owed is due to me in which they have not replied to my request in the pa st 30 or m ore days. This company has gone to great lengths to change wording and spellings of names and listings of multiple address that makes it hard for the consumer to properly request info thats needed. I ask that if this company can not provide proper documentation within a timely manner that all negative reporting be removed from all of my credit reports.  <P/> Thanks  Advance

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am not receiving a statement of any kind for our mortgage. Have contacted their customer service dept by phone and email the last few months but have been unalble to get the matter resolved. Not sure if they are being deliberately obtuse or are just poorly trained/uninformed. Would appreciate any help you can give us to resolve the matter. I do n't like paying my money but not having any info on how that money was applied!

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: OCWEN AND XXXX ARE FALSING REPORT OLD MORTAGE LOANSMortgage account number XXXX and mortgage account number XXXX XXXX I started the hardship process with XXXX XXXX XXXX weeks prior to the closure of the short sale the loan servicer XXXX bundled my into a bulk sale/transfer of an new servicer Ocwen . Subsequently Ocwen providing false or misleading reasons for denying short sale and refused to handle my loan modifications without me first making a payment. The customer service agents at Ocwen suggested I take a loan from my XXXX account to prove I was serious about resolving the matter. A loan was taken from my XXXX payments were made to Ocwen up to XXXX XXXX and I was still unable to get assistance with a short sale or modification. XXXX year later, the deed of the property was transferred to the HOA and later sold in a sherrif sale. Attached is a summary of attempted interaction with OCWEN and Experian. 
XXXX is the only credit bureau who has refused correct the reporting mistakes by OCWEN both XXXX and XXXX have been compliant with my request. 
Attached : XXXX XXXX Experian list Ocwen as verified/updates with incorrect dataAttached : XXXX report of XXXX reporting agency show the account status as deed in LieuAttached : Sheriff Sale of the property AttachedAttached : Deed transfer in lieu of for foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: The cash store turned my debt over to XXXX XXXX XXXX who have a guy named XXXX XXXX calling me and My employer, demanding to speak with the XXXX. He has repeatedly discussed that I owe money and that they are serving me in XXXX hours with a law suit. My employer is becoming angry over this and have asked them to stop but they have n't. He said today that the debt was from the XXXX. 
I have many recordings of his statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Focus Receivables claimed to be my electric company and threatened to shut off my electric if I did not provide my credit card or a check over the phone in the amount of {$1400.00}. XXXX bill is paid up and I believe they are actually working for XXXX. Debt is only XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation