milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XX/XX/XXXX and XXXX, 2017, I received repeated and harrassing calls/voice messages from XXXX, one XXXX XXXX, representing XXXX XXXX XXXX and saying he is calling about a debt. He advises me to call XXXX for any questions yet this number goes to Bank of America mortgage which is where I have a home loan which is current and not unpaid. 
Please help with this harrassment which has consumed two days for me. I have tried to contact XXXX XXXX at the above number at extension XXXX but he is not at his desk and has not returned by phone voicemail. 
Thank you, 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 02-02-2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Picked up said " hello? '' a man responded " hello? '' I said " hello? '' again and he said something I couldn't quite make out to the effect of " picked up phone. '' which indicates the use of a computer diler. 

I stated that I did not identify the debt and do not believe I owe the money also told the rep that she was calling my cell phone I she does not my consent to keep calling it. 
I Also requested that proof of the debt be mailed to me and to stop calling my cell phone. 
She continued her attempt to collect and I asked why was she ignoring my requests she then proceeded to tell me that if I wanted the company to stop calling I would have to sent a written request which I do not believe to be true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Debt collection (Other debt) with AFNI INC. (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: Date XX/XX/XXXX A man named XXXX XXXX XXXX born XX/XX/XXXX has driven a vehicle not fully in my name that was on a temporary loan based upon. 

Conditional delivery, '' or driving your new or new-to-you car home while a dealer ... If you have n't started investing yet, these tips will help get you on the right track .... to give back the down payment or trade-in if the deal is not approved. ... because the value drops precipitously once a car is driven off the lot. 

Too sum it these individuals took this car without permission resulting in the arrest of one individual, and other ran from the scene during this car accident. 

A YEAR LATER I GET A LETTER FROM AFNI SAYING I OWE XXXX IF NOT ALL THEN SOME OF THE MONEY. I EXPLAINED EVERYTHING TO THEM RESULTING IN OUR DISAGREEMENTS OF TRYING TO FIND PROOF THAT THE VEHICLE WAS N'T MINE LEGALLY IT WAS STILL THE DEALERSHIP NOR WAS I MAKING MONTHLY PAYMENTS YET WHERE I HAD NO DEALER ONLY TEMPORARY DEALERSHIP TAGS WHICH CAME FROM. 

XXXX XXXX will not cover this incident based on my identity being compromised and AFNI is trying to deceive me by theft and deception. They made threats that can impact my credit report saying I was negligent and I was not even the driver nor passenger. Also they made threats by notifying the DOT from suspending my drivers licence and registration privileges. 

XXXX XXXX XXXX at XXXX XXXX WebsiteDirections XXXX XXXX XXXX reviews XXXX dealer in XXXX XXXX, Colorado Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, CO XXXX Hours : Open today XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (Home equity loan or line of credit) with POPULAR BANK (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We are trying to sell our home, checked the XXXX if we have any claim against our property in XX/XX/XXXX. None recorded. While opening escrow, we received the preliminary report from the title company that we have a XXXX lien against our property by Banco Popular North America. They sold that XXXX lien to XXXX. This sale is on paper but never has been officially recorded. XXXX XXXX in XXXX, CA XXXX needs to have a recording. We tried several times to get Banco Popular to record this transaction. They refuse. We ca n't sell our home. 
The above process took place in XX/XX/XXXX, while we were under chapter XXXX bankruptcy proceedings. The XXXX Bankruptcy XXXX XXXX XXXX California declared the above XXXX lien to be entirely, permanently, and for all purposes void and unenforceable in 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 non-monetary relief
Consumer complaint received 04/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The Consumer Financial Protection Bureau responded and acted on my complaint immediately. Navient responded with an action, but it was minimal and did not take care of the main issue. A policy change that is ethical and fair for divorced consumers with consolidated loans must be made. 

Many years ago, when Navient was still XXXX XXXX my ( then ) husband and I consolidated our loans. At the beginning of our marriage it did n't occur to us that a divorce may be looming in our future. It did. I have been requesting that our consolidated loan be separated, per the divorce decree since we divorced many years ago. They refuse. I am very kindly asking for CFPB to put pressure on this corporation by calling them, writing them, and asking them to correct this policy. If Navient is willing to allow married couples to consolidate loans then they should have a contingency plan and policy in place for those that divorce ; especially if the divorced party has a court decree stating that the loan amount be separated. This refusal by Navient seems unethical on many levels. One human should not be responsible for another human 's debt, which I am because of Navient. XXXX ( ex-husband ) XXXX initially chose to be a deadbeat dad, and is currently being garnished for child support payments. He refuses to pay his part of the loan, leaving me carrying the weight of his debt becasue I want good credit. Now, as a single mom, a XXXX, daughter of a deceased veteran, and an honorable citizen that votes and pay taxes, I am left struggling because of a debt I am having to pay for another individual that refuses to be honorable. I am also in XXXX XXXX trying to further my XXXX career. Navient refuses to allow me to defer my loan payments even as a XXXX at XXXX because my ex-husband and I have this loan together. Yet they refuse to rewrite the loans. This is an injustice to many divorced people in this situation. Please hear my request and demand Navient to make an amendment to their consolidation policy for divorced couples. ***I want them to defer my loan while I am a XXXX especially since I am the only one paying the debt. *** The ex-husband refuses to pay his part, and I have proof, and have sent that proof to Navient to no avail. Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2015 about Debt collection (I do not know) with The CBE Group, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They have been calling numerous times during the day, everyday.They called at XXXX XXXX. and my fiance spoke to them and stated they were trying to contact a relative and would not state what the call was for, how they received my number, and requested the relative 's informatio

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

Complaint: This is in regards to the Equifax breach. Personally, I think it 's disgraceful that the executives at Equifax felt obliged to sell shares of their company before going public with this news, a clear-cut case of insider trading. 

This will go down as the largest and most severe consumer personal information breach in history do far, and agencies in which consumers have no choice in sharing their information with should be held to significantly higher standards in regards to privacy and information security.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I HAVE NEVER HAD SERVICE WITH XXXX, NOR HAVE I EVER SPOKEN TO XXXX IN REGARDS TO AN ACCOUNT, AND HAVE NOT RESPONDED TO VALIDATION OF DEBT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/16/2016 about Debt collection (Medical) with The Law Offices of Burr & Reid, LLP (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: The Law Office of Burr and Reid XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX have committed several of the above listed violations in the attempt to collect a debt. Continuous threatening letters were sent, some with false court papers attached. They threatened to send me to jail, garnish my wages, sue me and contacted old employers.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Income tax lien filed by the XXXX XXXX in the XXXX XXXX Court. I have lived in State XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer.

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 04/15/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (KY).
Issue: Loan modification,collection,foreclosure

Complaint: I am behind on mortgage payments due to medical reasons. I applied for assistance from my loan servicer Seterus. My mortgage account was charged ( XXXX ) in legal fees seven days after submitting application for assistance. The following month I was served foreclosure papers. I feel Seterus is in violation of The Dodd Frank Act.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Home Depot credit services called on XXXX XXXX, 2017 saying a payment was overdue. I told the person on the phone I had NOT received a statement from Home Depot. They insisted I make a payment over the phone, so without a statement to review I went ahead and gave them my XXXX XXXX checking account information to pay the balance in full and close my account. A couple of weeks later, I received a letter from Home Depot stating my payment was refused by XXXX XXXX. I knew this could not be true the charge was {$290.00} dollars, I immediately went to the local branch of XXXX XXXX they had no record of a transaction being declined on my account EVER. I then went to the local Home Depot customer service to straighten out the error it seems the person that called on XXXX XXXX  from Home Depot credit services did not enter my account information in correctly which resulted in XXXX XXXX being unable to process the payment on XXXX XXXX. Home Depot switched my statements from paper to estatement without my consent or knowledge with caused the late payment. Home Depot 's credit card services entered my checking account information incorrectly causing my payment which was one day late not to process. When I noticed a XXXX point drop on my FICO score I  called Home Depot 's credit card services and was asked by the person on the phone, what do you want me to do about it? I am considering cancelling my Costco membership and Citi savings account due to this unpleasant experience.

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 02-09-2018 about Debt collection (I do not know) with Integrated Recovery Services (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: called my work phone on XX/XX/XXXX and XX/XX/XXXX from a XXXX Service number XXXX trying to verify information for me to pursue legal action left number of XXXX then proceeded to contact my husband 's cell phone immediately after calling my work phone both days. We have ignored all calls, but its a scam and harassing. Based on what I can find on the internet I have no idea if they have called other family members.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (I do not know) with Source Receivables Management LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: NCB Management Services , Inc. is not only calling my cell phone every day, but they are also calling my work 2 to 3 times a day, and I just found out they have been calling my Mother 's cell phone as well. They have violated the law, and I want them to stop calling. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Law Office of Cynthia Hitt Kent, LLC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This mater is in reference to a collection placed on my XXXX XXXX HOA account going back 7 years. I have made numerous payments on my account but the balance never decrease. Based on my account records with the Law Office if Cynthia Hitt Kent, LLC there a number of payments that has not been credited to my account. I have contacted the collections office on many occasions identifying this issue. No action has been taken to update my account with the collections agency ; in turn there are all kinds fees and interest charged to my account. In my communication I have submitted copies of checks chased on my checking accounts. Fails information is forwarded to my HOA Board and they are taking legal action against my assets.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Mortgage (Other mortgage) with BB&T CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Recently received calls from BB & T telling us that there are modification options available to us. We have submitted a complete modification package for review two times but have not received a confirmation of recept. According to the Bank 's lawyer nothing has been received. So we asked her for her fax number to send her a copy to see along with our prior fax confirmation records. The fax that she gave us would not accept our fax, we tried numerous times ( sent bank 's lawyer record of failed fax transmission ), so we sent her the documents via XXXX. She claimed she could mot see the Application in XXXX. So we asked for a second fax number as there was something wrong with the first, she then reveals that she gave us the wrong fax number. So we faxed off the application for about the seventh time for the day and asked for confirmation of receipt which she has not done. Nevertheless she has set a court hearing to ask the court for a sales date with full knowledge that a completed modification application has been submitted for review and she was in receipt of a copy for yourself to see.

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 08-07-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: Chase bank is the issue. I made a purchase with XXXX XXXX about two months ago and attempted to cancel the flight as there are numerous emergency landing in the past 8 weeks and also a cabin was smoky. I was told that there is a XXXX cancellation fee for each person when the website stated XXXX dollars. When I questioned this by calling the airline they stated that the fee is XXXX dollars for each. I tried to explain to them that the site uses the word " segment '' not round trip and they is very misleading. Every other airline site has very clear policies. I called them to resolve they will not, I told them I was a credit for the cancellation and all they will do is provide a voucher which means I 'm forced to fly with them EVEN THOUGH I do not feel safe. I 'm flying with a XXXX year old, I refuse to take my child in an unsafe airline, they are holding my money hostage, I have not used their service all I want it my money. I contact Chase via social media XXXX and they took the claim and gave me some non sense that the claim might not be approved after explaining to them these people are fraud and mis leading, I have never filed a claim with Chase ever, been a loyal customer, and I though credit card charges were protected in events as such. There is still no response via social media, I tweeted them about an call and their response was " We will call you when we are able '' extremely unsatisfied, not professional at all! All I want is my funds back on my CC, I have used the service, they are unreliable and unsafe and my credit card should protect me in instances as such instead of siding with the merchant. I have NOT benefited from anything I NEED HELP ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (I do not know) with Riverwalk Financial Corporation (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received notification that a new account was reported to my XXXXn credit report on XXXX/17 XXXX XXXX XXXX reported a collection that I have no knowledge of. I have never done business with this company before, I also have no contract with this company. 
Never received any sort of documentation in reference to this company. I also called XXXX on three different occasions to rectify this information, was on hold for over 30 minutes and was unable to speak to customer service at any time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Credit card) with CITIBANK, N.A. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've received 5 phone calls on XXXX XXXX, 2015 from the same phone number. Initially the missed calls did not result in a message of any sort. After googling the number online, there were no search results pointing to a company. Upon calling the number back, it was " Citicard '', a credit card I do use. An automated message asks to dial in my 16 digit credit card number which I chose not to do. Instead, I contact Citicard direct and expressed my concern. The representative who seemed irritated at me, did n't bother listening, decided it was a good opportunity to verify a payment instead of addressing their obviously flawed system. As of today, I received 2 anonymous phone calls from 2 different phone numbers I 've never seen. This un-professional behavior shown by Citicard representatives and their scam-like system should be addressed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation