milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Credit decision / Underwriting

Complaint: Bank of America has gravely discriminated against me, delaying Loan Modification for 4 consecutive years. The employees at Bank of America were caught on recording denying the modification based on XXXX and demographics. This unethical and unlawful behavior created a long battle to getting the modification that I was very much qualified for and finally XXXX 2015, the modification was completed. My credit is n't destroyed because of my negligence but because of Bank of America, constant violation of Unfair, Deceptive, or Abusive Acts or Practices and Fair Credit Report Act. I want my Credit to be completely reflecting in good standing with Bank of America. I want ALL delinquencies removed from my credit report immediately. 

On XXXX XXXX, 2015 I met with XXXX in person at Bank of America, and he ensured me this would be repaired, on XXXX XXXX, 2015, I forward over the dispute letter regarding my Credit being corrected and not reflecting any delinquency rating at all from Bank of America. XXXX XXXX received the letter and stating he was working on it. I have called Bank of America thereafter to inquire about my credit, but to receive rude, disrespectful employees and no end results. The law requires my credit to be corrected, if no response from the credit regarding the matter within 30 days. It has been since XXXX XXXX, 2015 my credit is still damage and they are in complete violations of the FDCPA. 

Moreover, they are charging addition fees that they are not entitled too. Recently, received notification, Bank of America, added in {$8000.00}, forecloses fees stating they maintained my property landscaping, utilities and more. The refused to remove those fees, and has started billing despite the evidence I have to show, I maintained my own property that I reside in and paid my own utilities bills. This is fraud/theft by deception. 

I want my credit completely corrected as it relates to my loan number XXXX and I want the extra fees Bank of America has added to my loan removed or I will be suing the company. I refused to speak with them any further, as they added to my health issues but constantly upsetting me. The only way I will speak with Bank of America and that is the CEO himself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I opened a checking account at Citibank based on a targeted offer for XXXX XXXX XXXX miles after certain criteria were met. As I understood from the personal banker, I made sure I had met those qualifications. Also, I was never given any paperwork stating specific qualifications for the promotion. I followed up and was told by a customer service representative that I had met the qualifications. Then I was contacted by the personal banker stating that I had not met one of the qualifications. I followed up with customer service to try and resolve the issue ( because the personal banker was not helpful ), but it was not resolved. I was mislead and the bank is not willing to resolve the problem.

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 05/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Convergent Outsourcing, Inc. sent me a letter of " Attempt to collect a Debt ''. This company was asked by XXXX XXXX to collect an alleged debt for {$420.00}. I have already filed a complaint against XXXX at the FTC for the same alleged amount last week, explaining that XXXX received the equipment in full in emails for that effect. Convergent attempted to call me, by phone, and was as expected rude and insulting! They received the same courtesy they afforded me and more!. These parasites deserve that treatment, and more, as they are not in full knowledge of the facts of the case from XXXX. This is a feudal effort, by XXXX, to collect any amount as no matter how small it is, even a XXXX cent is too much for their inferior services throughout the XXXX years we have had them. XXXX continuously violated the terms of our agreement through lies and removal of channels as well as promises made by phone, even when we fulfilled the XXXX year contract with them. It is an out and out attempt of extortion ( the practice of obtaining something, especially money, through force or threats ) by Convergent and XXXX! 
I leave you with this for all to see ; It is by law, between XXXX parties, that a contract or agreement or commitment written or otherwise, is an obligation by the XXXX parties and not XXXX sided. In conclusion, this is a closed and shut case since XXXX XXXX, 2015 as it was admitted by XXXX in a communique, email, on that date. Convergent must not attempt to peruse this case further!.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Federal student loan debt) with NELNET, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX Nelnet, Thank you for the response. Now you are stating that these are tactics and this is fraud, but did not provide any information requested by affidavit ( commissioner of the court ) to prove that this debt has indeed has not been paid. Are you stating that the law HJR 92 IS FRAUD? Are you stating that these options of ACCEPTED FOR VALUE and exemption is FRAUD? Please provide the REAL STATEMENT OF ACCOUNT that will show you that this IS NOT fraud and your company is committing fraud and this has been paid. I am not afraid of the law and a commercial lien will be filed. Now you have attached a contract ( NOTHING WITH YOUR NAME OR COMPANY NAME ON IT THAT SHOWS I CONTRACTED WITH YOUR COMPANY ) nor did you attach your jurisdiction are the full statement of account on the private side to prove this debt. All these items have been requested from your company because my student loan is closed on my credit but was apparently sold to company and that contract was requested as well. You are a collection agency and again are no where listed on my loan. Your company did not loan me anything. Have the company that is listed on the loan to contact me or show me your jurisdiction contract with the company and lets see who the fraud is. I attached the still existing law that states what FRAUD is. 
1. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and NELNET to pay debt collector which will give your company jurisdiction to report this debt on my credit. Please mail are attach all requested information by affidavit that has been sent to your company, with the AUTHENTIC statement of account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX placed a collection on my Experian, XXXX credit report and XXXX  credit report on XXXX XXXX, 2017 stating that I owe a balance of {$3900.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company

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 08-10-2015 about Student loan (Non-federal student loan) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have a private student loaned serviced by the American Education Services ( AES ). Although this company has my most current contact information, they have been calling my references and discussing my student loan information with them. Specifically, they have harassed my father and disclosed information about my loan, even though he is not a signer on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit card () with U.S. BANCORP (FL).
Issue: Closing/Cancelling account

Complaint: e : CFPB Submission # XXXX I am submitting this through the formal complaint process in the hope you can resolve a dispute over my request to close a credit card account. As attorney-in-fact under durable power of attorney for my aunt, XXXX XXXX XXXX, who resides XXXX, I have closed all but XXXX of her many credit card accounts following the death of her husband. However, the bank that issues the XXXX credit card ( U.S. Bank ) refuses to close that account ( ending in XXXX ) unless I agree to add my name to it by providing the bank with my SSN, DoB and other personal identifying information. I have furnished all relevant documents to the bank, at its request, documenting my status as her representative specifically empowered by the PoA to close her financial accounts. I even have provided a medallion-stamped attestation of proof of identity signed by the XXXX XXXX XXXX where I do my personal banking. ( I have sent copies of all correspondence to CFPB at the time they were mailed to the bank. ) Meantime, U.S. Bank has sent her a new credit card on the account ( which I have shredded ), increased the credit limit and is mailing monthly statements which, while showing XXXX balance, spell out the account number in full. As my aunt 's financial representative, I am responsible for paying her very substantial monthly full-residential-care and medical bills, a responsibility I take very seriously. For that reason, I have worked diligently to make sure that all of her credit card accounts are closed and to eliminate risks to her financial solvency. At the same time, I am protective of my own personal identifying information, which I do not share with financial institutions other than my own. Please let me know if you require additional information/documents to proceed with this formal complaint. Thank you.

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 11-01-2015 about Mortgage (FHA mortgage) with Nationwide Biweekly Administration, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I revoked Nationwide 's authorization to debit my account several months ago when my insurance and taxes went up. They continued taking {$330.00} out of my account every two weeks for a couple months after several requests for them to stop. I finally worked with XXXX XXXX XXXX and home mortgage and determined that XXXX was taking my money and placing it in a secondary account. Since XXXX XXXX does n't accept partial payments, my mortgage was n't being paid, resulting in a letter saying I owed them {$1600.00}. I paid this out of pocket and XXXX XXXX opened a fraud claim against Nationwide. My bank credited me {$990.00} out of the {$1300.00} that they determined that Nationwide owed me. I 've been waiting for the additional funds that Nationwide owes me, when I receive a letter from them stating that I owe them {$320.00} or they will turn me over to a collection agency. I called Nationwide in regards to the matter and they claim that they were paying my mortgage, when XXXX XXXX home mortgage confirmed they were not. I have spent in excess of 12 hours dealing with Nationwide and XXXX XXXX home mortgage trying to resolve this matter and thought it was resolved through XXXX XXXX, until Nationwide tries this deplorable attempt to further extort fraudulent funds from myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion reports that my account balance increased by {$11000.00} due to a student loan with XXXX. I have always had that loan, so it should not have been reported as a new debt. They knocked my credit score down by XXXX points. They should have not done that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Was told debt sold to midland  and agreed to pay as long as would be deleted from my credit report and they agreed and when paid and called to see status they said original creditor would need to delete from report and they couldnt help then original creditor says they cant help because they sold debt Im going in circles. These two accounts are paid and are to be deleted as stated by midland. XXXX XXXX   a # XXXX XXXX XXXX  a # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (Other type of mortgage) with BANCORPSOUTH BANK (MS).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX, XXXX was in arrears by approximately $ 20K on a mortgage loan with BancorpSouth Bank as of XX/XX/XXXX. The amount remaining on the loan was approximately $ 120K, as evidenced by the invoice attached. On XX/XX/XXXX one of the buildings located on the property was destroyed by fire. After the tragedy, it was discovered that the property was foreclosed on XX/XX/XXXX. No notification of pending foreclosure was ever received by XXXX XXXX XXXX. The property was appraised at $ 240+ in XX/XX/XXXX ( please see copy of appraisal attached ). BancorpSouth contacted the insurance company and requested that insurance proceeds be sent directly to them ( please see attached email ). The building that was destroyed was insured for {$150000.00}. 
A check in the amount of $ XXXX was made payable to XXXX XXXX XXXX XXXX, BancorpSouth Bank, and Small Business Administration. If repairs were made within a certain period, then the additional coverage amount would be forwarded. As of this date, no check has been forwarded to XXXX XXXX XXXX. The bank now has the property and the insurance proceeds, which is much greater than the $ 120K that was owed. This seems unfair and unjust. XXXX XXXX XXXX paid the insurance premiums and seeks the insurance proceeds received for this loss.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been getting monthly automated calls from " ERC '' asking me to contact them about a debt at this number:XXXX with reference number : XXXX. In the past when I answered the phone call with a human voice on the other end, they would ask for an individual I have never heard of and would ask that they not call again, I have since stopped answering the call and now get a the robotic voice mail. I need this repeated calling to cease as this is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05-11-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: my name is XXXX XXXX, my school was XXXX college, from which I never graduated and was there for 3 years. now i have a huge monthly payment on my private student loans that i can not keep up with. i dont make a whole lot and with small children at home and other bills to pay it 's almost impossible to pay them. I have asked for deferments, forbearances, and tried to enter into plans but the payments are still too high. I am worried about defaulting on these loans and ruining my credit but i have no other options. the monthly payments are just way too high and i simply do not have the money to pay them. ive tried researching other avenue 's but there isnt much help out there for private student loans. I 've called Navient ( sallie mae ) several times asking for help but they dont seem to care about every day problems people are facing, they just want their money, bottom line, and i do not have it. i struggle to keep a roof over my kids head as it is and now i can not pay the amount they have given me to pay ... If i have to choose between food for my kids and paying my loan, well, my family comes first. I ran out of oil a couple weeks back and had to miss a payment in order to get fuel to heat my home and now im in danger of defaulting on these loans. They want me to pay an amount I can not afford, for a student loan for a college i never graduated from. I do n't have a college degree because i never finished school and i work a blue collar job that pays very little ...

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I was in Chapter 13 bankruptcy and the mortgage company at the time ( XXXX ) was directed from the judge to modify my mortgage ) XXXX processed it gave me a temporary modification and when it was to become permanent, they sold my loan to another lender who used FAY servicing. Apparently Fay was not being held responsible to teh court ordered modification, agreed after a year to give me a trial mod but they required me to give them XXXX down, in which I did. I was given a permanent loan modification in XX/XX/XXXX, soon after I was diagnosed with XXXX and was making monthly payments, I apparently missed 2 payments, because of my Chapter 13, they did not contact myself or my husband ( who is co on the loan, but not included in the bankruptcy ). Next, the {$10000.00} that I gave them, they put toward past due escrow payments which I had believed would go toward paying down the loan. The modification they gave me resulted in my mortgage payment being XXXX a month, I have been struggling to pay them, finally out of chapter 13, realizing they did n't extend the loan out, just added the P & I back into the loan, missing 2 payments and finally the loan was put back online for me to access last month, now I received 1 notice saying I owed money - yesterday I received a letter saying I was in pre-foreclosure status. I do n't know what to do or where to turn to for help. I had to make a payment arrangement with them to pay 3 months by XX/XX/XXXX - which I did, but now will not be able to pay anyother bills.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (ME).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On or about XX/XX/XXXX I observed a charge to my card that was not made by me. I did not recognize the amount posted to my statement. It was a small amount, however, so I paid it. On or about XX/XX/XXXX I notice another charge on my card and this time I called Barclay 's to inform them that my card had been stolen and used and that I wanted a new card. I also told them that I had paid the XX/XX/XXXX charge but that I would not be paying any other charges. I was assured everything would be ok and was issued a new card. To this date, I have not called to turn the card on. I was assured everything was going to be fine. 

In XX/XX/XXXX and for the last two months I have been getting charged with late fees and 'minimum ' charge amounts by Barclays . I have discussed this and also have trails of electronic messages to and  from Barclays and have had no resolution. I have since observed on my Credit Report that they have reported late payments on this account, which has hurt my score. 

Since XX/XX/XXXX I have received ZERO help from these people and they have decided to not only disregard my requests but also not to remove the charges and then charge interest and fees on fraudulent charges. I have read that everything the company has done so far may violate many of the regulations they are supposed to follow. Please, help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ME).
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: Addendum to complaint number  XXXX . There is NO unauthorized third party. Please proceed. Thank you.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had my first bankruptcy for a failed business in XX/XX/XXXX-XX/XX/XXXX. My lawyer had me list all creditors including my utilities. I had no issue with paying that, and was never late, I just listed it. I ca n't find the old paperwork for that, but just by looking at the dates gives it away. For XXXX XXXX XXXX way back with my first business, which only lasted 2 years. Just reseach it, I had a medical BK in XXXX but it did n't mention XXXX XXXX  XXXX in that one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2015 about Consumer Loan (Vehicle loan) with EQUIFAX, INC. (LA).
Issue: Shopping for a loan or lease

Complaint: I went to purchase a new vehicle and authorized the dealer to check my credit. I now have XXXX inquiries on my report although I only authorized XXXX. It has severly damaged my credit score. Equifax is showing XXXX recent inquiries.

Company response to consumer: Closed with explanation