milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Nair & Levin, P.C. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: the Law Firm of Nair and Levine, debt collector for the XXXX XXXX XXXX XXXX XXXX, is taking me to court for a debt that I have disputed for over 7 years for exhorbitant billings based on estimates, and faulty equipment, which was on my credit report, then removed after I wrote the CEO XXXX XXXX explaining the situation believing he would see my good faith efforts in trying to resolve the issue that was placed on my credit not due to come off for another year and blocking me from obtaining a mortgage. Rather than a reply the matter was turned over to debt collector and a scheduled court date is XX/XX/XXXX. The company in the collection of this debt has threatened me, mispresented its billings, embarrassed me publically claiming I owe this bill when I have disputed it from the first billing. I have tried every way to resolve this matter that is only met with the alleged bill increasing in what I am said to owe, other issues including the malicious litigation that is scheduled this week. I continue to dispute this debt for which from the status conference on XX/XX/XXXX, it is obvious that the purpose is just to grant the company and debt collector judgment and taking action to secure money for them that I have strenuously protested through out that I do not owe. I have documents to support all my defenses and what I setforth in this complaint.

Company response to consumer: Closed
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get calls ev eryday 6 or more tim es a day they start at  XXXX  until  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2017 about Debt collection (Private student loan debt) with National Enterprise Systems, Inc. (PR).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On    XX/XX/XXXX    I began a payment plan for my   XXXX   XXXX  / XXXX  student loan. After few months of paying, I got  laid   and become unemployed for several months, until  XX/XX/XXXX  through  XX/XX/XXXX .     I paid as I could.     On  XX/XX/XXXX , after a family loss, I talked to  XXXX  who has my account about it. I wanted to pay {$50.00} on   XX/XX/XXXX   but did n't find the money. I tried to reach them but as always, and as I told to  XXXX , is impossible to reach them.     Yesterday,    XX/XX/XXXX    - National Enterprise called to my mom house and gave her information without my consent. My mom told me that the person who called told her she was authorized when she was n't.     First, I just allowed my mom ONCE to use her bank account. I never said she was authorized to get my information. How do I know? Because lots, and lots of times I said I do not want them to call me to my mom 's house. They did n't do it for a while and then yesterday happened.     I believed all this is recorded.     The article 805. Communication in connection with debt collection of the Fair Debt Collection Practices Act in section b says Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 submitted an investigation for a dispute on my XXXX  and Experian credit reports. last month XXXX XXXX XXXX and there was no change. I disputed the following items : Disputed Experian Items - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX CO XXXX MyPointsRewards/ XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries BELONG on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed XXXX Items - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *These inquiries BELONG on my XXXX credit report : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 10-12-2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (SC).
Issue: Problems when you are unable to pay

Complaint: In 2005 Chrysler financial gave debt details to my chain of command. XXXX. I was behind on payments and was aproached while in XXXX. My pay was being withheld by my chain of command because I was disciplined for XXXX ( I was XXXX and a XXXX vet ). Therefore I was n't making enough to pay bills. I was ridiculed as a bum and as irresponsible.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 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: Problem with personal statement of dispute

Complaint: Beginning in XX/XX/XXXX, I submitted certified letters to XXXX XXXX XXXX in reference to a charged off balance of {$1000.00} and XXXX XXXX XXXX with a collection balance of {$1000.00} asking for validation of the alleged debt owed. ( eg. my signature showing that I had entered into a contract with them ) I was sent a copy of an invoice from the collection agencies, and a letter from the credit bureaus stating that the account had been verified. I then sent another dispute to the collection agencies asking them to provide me proof and not an invoice showing that the debt was indeed mine. I again received a copy of an invoice and a letter from the bureaus stating the account was verified. 
In XXXX, I sent dispute letters to XXXX and XXXX  requesting validation of the debts reported negatively on my credit reports. I once again received a letter from the bureaus stating the accounts had been validated, but I have received no proof. 
In XX/XX/XXXX, another dispute letter was sent to the bureaus with another response from then stating " validated '', but with no proof of the validity. 
I have been diligently working to have these items removed from my credit file as these items have been impacting me negatively in my pursuit to purchase a home. All I 'm asking is that I am provided with proof that these items belong to me- An invoice is NOT proof. 
Any help that you can give would be greatly appreciated. 
Thanking you in advance!

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 07/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Protas, Spivok & Collins, LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/XXXX XXXX Apartments ( now represented by Protas, Spivok & Collins filed a Warrant In Debt against me. XXXX This is regarding the same dept. complaint filed XX/XX/XXXX CFPB case number XXXX XXXX XXXX XXXX XXXX I have reached out to attorney XXXX XXXX XXXX of Protas, Spivok & Collins several times requesting documentation to support the balance due. ( The same issue I was having with the previous dept collectors XXXX XXXX XXXX. This balance has yet to be substantiated and the direct communication to the attorney to obtain documentation is being ignored. The original hearing was set for XX/XX/XXXX and it was noticed that there was a billing error as they tried to obtain judgment for {$8400.00} XXXX double the original amount ordered ). Due to this error the case was continued to XX/XX/XXXX. On XX/XX/XXXX the balance although adjusted still was not correct, and the judge ordered a bill of particulars to be mailed to my address within 15 days form XX/XX/XXXX and the case was continued again to XX/XX/XXXX. On XX/XX/XXXX they filed a nonsuit and no new court date has been set. 

As of today I still have no documentation to support the current balance, and no date to anticipate when this matter will be resolved. When I ask the attorney XXXX XXXX for the information she does not respond to my email requests.

Company response to consumer: Untimely response
Consumer complaint received 03/20/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Settlement process and costs

Complaint: I have a XXXX loan. 80 % with XXXX and 20 % with green tree. To refinance my loan for a lower rate I am refinancing the 80 % ( XXXX ). Green tree has asked for authorization form to release information. I signed the form and resubmited it. Green Tree has since asked us to change the verbage XXXX times on the authorization to release information. When contacting Green Tree their representatives can not help us and have no idea what to do but will send a letter. Normal quick refinancing with no money out takes 3-4 weeks, I have been waiting for 4 months all because of Gree Tree. I have no idea how this company is still in buisness. I have had several other issues with Green Tree. I am now seeking out other loan options to buy out my existing loan with Green Tree so that I will no longer have to deal with their incompitence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is regarding the Equifax hack. I just checked my credit score and it is down XXXX points. I am actively trying to repair my credit in the hopes of buying a house soon. This will set me back and I am not pleased.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My account has been in force since XX/XX/XXXX till suddenly closed on XX/XX/XXXX by Bank of America. On XX/XX/XXXX, B/A informed me that my home equity line of credit is scheduled to end on XX/XX/XXXX. XXXX XXXX, B/A Home Eq department stated via phone that this is in error, as the terms of the agreement were to be for 15 years, and could not end till XXXX. 

B/A Home Equity Supervisor XXXX on XX/XX/XXXX, or XX/XX/XXXX stated by phone she could not understand why I could not have access to my account before XX/XX/XXXX, so filed for review, # XXXX, and told me I would hear within 3 business days. It is now past 5 days.

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 11/28/2017 about Debt collection (Mortgage debt) with WELLS FARGO & COMPANY (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: My mother XXXX and has an outstanding home equity loan. 

We have been making attempts to pay towards it. 

The bank has been threatening foreclosure. My sons live there. The house is worth XXXX, we only owe {$40000.00}, How can we go into foreclosure? 

If they could just work with us, and stop the threats.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XX/XX/XXXX I electronically filed an investigation on XXXX XXXX XXXX accounts : 1 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$170000.00} and 2 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX. I asked it to be removed from my credit reports based on the Independent Foreclosure review performed by the Office of the Comptroller. Per this review, the Office of the Comptroller concluded that XXXX XXXX XXXX practiced " deficient mortgage servicing and foreclosure processes. '' As due diligence does not appear to have been performed by any of the CRAs on this matter, I am asking that these items be removed from my credit report immediately and a rapid re-score be performed. 
Also, I am seeking damages as this derogatory information based on " deficient mortgage servicing and foreclosure processes. '' caused me to be denied employment.

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 09/15/2017 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX try to cancel a warranty never did after 4 months nothing happend

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (MA).
Issue: Closing on a mortgage

Complaint: The name of the current holder of mortgage is Caliber Home Loans INC., number of contact XXXX XXXX and XXXX XXXX. is their representative as attorney number of contact XXXX XXXX. I simply put in for a request of payoff and it was to be sent to fax number XXXX XXXX attending XXXX XXXX XXXX. located in XXXX Massachusetts close to 4 weeks ago. 
My name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, Massachusetts XXXX. I am a current tax payer of XXXX years of age. I am simply looking for a payoff amount but they both have refused to provide me with one for up to four weeks, I have discussed this with many of their employees and they have strung me along and lied outright stating it was sent we have it but cant issue it to you and then others are stating that it was not sent over yet, Sent but will take 24 hours by fax. I have a number of credible witnesses that can give sworn statements as I have discussed these matters over a speaker phone line. Even had a conversation with Attorney XXXX on the line with XXXX XXXX. but all empty promises of completion. What can I do???

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage with Nationstar and in 2012 they approved a short sale and it was complete XXXX. However, they did a new update in XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Settlement process and costs

Complaint: b of a botched my refi. they dragged it on for months, claiming issue was name change. when we went to closing, name not changed, bad number given for contact, rates had gotten lower. they variously spammed me with email I did not want, refusing to stop, yet refused to provide contact email for the responsible parties/ refused to respond to email. their customer service is terrible. I have asked them to fix the rate and/ or refund fees, which they did not earn based on the terrible experience with refi. they refuse to be held accountable. innumerable phone calls, emails, faxes, letter, withholding payment have not led to resolution. they unilaterally instated escrow against my express wishes to the contrary. they refuse to be held accountable

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 07-11-2016 about Student loan (Non-federal student loan) with KEYCORP (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a {$54000.00} student loan with key bank that is serviced through XXXX XXXX. I have tried for several years to get a lower monthly payment until my wife and I get higher paying jobs. I am willing to pay every month and did as well as I could but I came to a point where I was unable to pay for a couple of months. They then gave my loan over to a third company that I would have to deal with on top of XXXX XXXX and Key. I have asked repeatedly for any kind of assistance with lowering my payment, deferment or anything that could help my situation. I can not afford the {$450.00} payment and they are completely unwilling to help. I can not consolidate the loans because they loans are too big. My only options are a lower payment or bankruptcy which is something I sincerely do not want to do. I want to pay my debts but I can not right now. If there is anything that Key would be willing to do to lower my payment I will listen. Please help me with my student loan so that I can pay it. Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Credit card protection / Debt protection

Complaint: I have a BP Visa card previously issued by XXXX and sold to Synchrony. I did not receive a final bill from XXXX, but when I received my first bill from Synchrony, I was told I was delinquent for failing to pay my last bill. While the interest charges are minimal XXXX {$4.00} XXXX, I have never missed a credit card payment before and would not have missed this one had XXXX & Synchrony taken better action to transition the account. Further, I am concerned about a negative mark on my credit report. From speaking with a representative at Synchrony, I am informed that my bill was posted online by XXXX XXXX paperless billing ) on XXXX XXXX, but that the account was removed by XXXX XXXX. At that point, I had no way of knowing how to make my final payment. Further, I do not recall seeing this final bill from XXXX online. 
If this practice was widespread, then the interest charges from other consumers could add up to a more substantial amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (DE).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I do not have the dates off hand because it happened over 2 years ago, but after reading the following forbes article, I can definitely state that I was a victim of at least 4 of the 6 common complaints that were being made about Navient. XXXX XXXX XXXX XXXX XXXX 1. created obstacles to repayment by providing bad information ; - Almost every 2-3 months for over at least 2 years, I was provided applications to submit for income-driven repayment plans that I would fill out and re-submit and A ) was told they never received and B ) was told was the wrong form. Each call ended up in a forbearance with interest accrued. The total cost of my loan has gone up dramatically since. Needless, to say it was an endless cycle of torment.
2. processed payments incorrectly ; - Upon finally agreeing to begin making the monthly payments, I was given on three different occasions 3 different addresses to send the payments to, which subsequently caused a return of payment to my bank, and delay in paying off actual student loan. This took over 3 months to get resolved.
- failed to act when borrowers complained ; - I asked on dozens of occasions to receive my payment or any correspondence via post-office mail and not e-mail as it was not reliable for ensuring that I was receiving my applications for refinancing / monthly payment adjustments / statements, and until today, have not received a single letter via standard post office mail.
- illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; - My original federal student loan amounted to only XXXX and I had under 3 % interest and it was highly recommended that I consolidate everything and go to a private vendor to simplify everything ... .I now have an interest rate of 6.5 % on my student loan with a monthly payment of over {$1300.00} now and a total loan of over 100k. I feel that I was GROSSLY cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian has my XXXX XXXX XXXX card showing Negative and there has not been no late payment in over 18 months. Experian says on my report it will be XXXX before it goes positive. 

There should be no negative showing considering nothing been late in over 18 months FTC been file on Experian as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Struggling to pay mortgage

Complaint: I am not happy with the previous outcome of my complaint. I started the process before my loan was sold to  XXXX  in  XXXX    XXXX  . I spoke with the account  specialist assig ned to my account and was told she had all the paperwork. Listen to the recorded calls. Bank of America dropped the ball again! The need to remedy the situation and stop passing the buck.

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