milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2016 about Bank account or service (Checking account) with BB&T CORPORATION (AL).
Issue: Account opening, closing, or management

Complaint: Hello the nature of my situation is that branch banking and trust has placed a hold and or closed my checking and saving accounts and they will not release my funds to no one but the account holder which is I however I 've talked to the corporate office of the bank in XXXX north Carolina and filed a complaint although my complaint was forwarded to in investigator name XXXX XXXX whom informed me that bb & t can not con firm my identity because the bank do n't have a signature card on file and that I was never sent XXXX when the account was opened moreove I ask the investigator that will a power of attorney will do and a copy of my birth certificate and social security card he insisted that the bank will not accepted it I advised the investigator that I am incarcerated and that what you are asking to visit a local branch I can not due however he advised me that he will be back in the office on Tuesday XXXX XXXX, 2016 and that I should contact him to gat a status update I did and was advised that my account will remain blocked and eventually donated and closed then sent to the state of Alabama and I would have to collect it from them furthermore I asked that I can send my finger prints for verification he insisted that it want do the investigator confirmed I was incarcerated so therefore any documents I would try to send to verify my identity want do because they want me to come into the branch in person I even assigned my aunt to be my power of attorney although investigator will consider that and I 've talked to several attorneys whom also advised me to contact this bureau for immediate assistance I ask that this bureau to find a solution because that bank is going beyond the scoop of the banking laws it just not right 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 explanation
Consumer complaint received 10/30/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address on my Equifax credit report that is incorrect. I have never lived in that city in my entire life. I know the street name is XXXX and the city is in XXXX, Michigan. This is the address I 'd like removed. Please investigate and let me know what I can do to get this address removed. It 's not on my XXXX report. Not sure if it 's on my XXXX report. I appreciate your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (I do not know) with CAC Financial Corp (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do n't know what this debt is for -- - TWO DEBTS ARE LISTED ON MY CREDIT REPORT FOR THE FOLLOWING AMOUNTS : 1. ) {$790.00} 2. ) {$180.00} 1. ) CAC Financial nor XXXX of XXXX Texas explain what these debts are for. 

it is noted is was reported on XXXX XXXX, 2016 NOT ENOUGH INFORMATION HAS BEEN REVEALED FOR THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Since  XXXX     2016 I  have been going back and forth to have these accounts contained in my credit file removed. This company has had over   XXXX  accounts listed a s me being the debtor. I contacted this company was told that checks written and was returned. I requested documentation and documentation was provided to me however. The identificaiton number listed on the checks is not mines. I  have provided this company with a copy of my drivers license to verify the license number listed was not mines. They have removed a great deal of the accounts however there are still  XXXX  accounts reporting.I do not have the time, and money to continue to send letters. I have provided all the documenatation I possibly can provide. If you look at the   XXXX   different checks I attached those numbers are not the same. I am not sure how they linked me to this account but I want this matter resolved once and for all.

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 11/28/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Using a debit or ATM card

Complaint: I opened a new business account in XX/XX/2016 and was offered a bank business credit card with a 0 % interest for 6 months linked to my business account. I had late payments twice but on both occasions paid within one to two weeks of the due dates. 
The interest rate on the credit card was raised to over 27 %.

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 01/21/2018 about Debt collection (Medical debt) with Franklin Collection Service, Inc. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I mailed out debt validation letters to Franklin Collection Service in XX/XX/XXXX through USPS Certified  Mail. The collection agency received my request on XXXX XXXX 2017. In my letter, I requested for both accounts to be validated. I did not receive a response for account number XXXX. The collection company is allowed 30 days to respond, but I still havent received a response. IT has been well over 30 days. However, Franklin Collection Service did respond to the other account that they have on my credit file. That account number is XXXX. Although they responded, they have directly violated my rights. I was sent a bill with a list of procedures that was performed. This was a direct violation of my HIPPAA rights. They had no right to have access to my personal medical information. I will provide the paperwork that was sent to me from XXXX XXXX XXXX. I have already contacted them to try to resolve this issue. I want something to be done because this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Auto debt) with Chaparral Inc (OH).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have told XXXX XXXX whose number is XXXX several times that my husband has lost his job and will be back at work at the end of this month. Via email and phone. Today I get a harassing text and phone call from someone stating that they are an investigator named " XXXX '' and that they are calling the Sheriff to come to my house. This was also communicated to my parents and friends I have listed as references on this motorcycle loan. The person than began to text message me repeatedly after I asked them to please stop. This has caused more stress than our financial situation we are currently going thru. I want this harassment and threats to end. We have never been late on any payments until this loss of employment happened. We should not have to deal with such harassment

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/19/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (VA).
Issue: Loan servicing, payments, escrow account

Complaint: As of today 's date XX/XX/XXXX I have not received my end of year paper showing all of my taxes and interest paid. I called the lending group and I was told that the papers were mailed out XX/XX/XXXX. My son has the same financial group and he has not received his neither has XXXX other friends of mine so apparently this group has not mailed out their papers

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There has been an open XXXX XXXX account on all my credit reports every month since XXXX 2008 that they ( XXXX XXXX ) can never seem to find in their system. I want to close it but they are no help at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I found a XXXX account reported by RCVL PER MNG collection agency ( XXXX ) on my credit report. I sent two verification letters XX/XX/XXXX and XXXX and I have n't received response yet. 
I would like to have a verification letter about this debt. I want to resolve this account. 
XXXX Balance : {$3700.00}

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 explanation
Consumer complaint received 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Already paid in full have a letter and receipts to prove it plus a letter stating they have requested the credit reporting agencies do you have the account referenced above in the letter removed from the credit report the deletion process takes approximately 1 to 5 business days that was back in XXXX 2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am a minority, single, XXXX woman in Bankruptcy Chapter XXXX and I was working with XXXX to modify the mortgage. XXXX either sold, owns, or is the servicer of the mortgage to XXXX XXXX XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that myself and my ex-husband XXXX XXXX executed them and that XXXX is out Attorney in Fact. The attorney for the Servicer who notified for regarding the Sale set for XX/XX/2017 id XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The Notice of the Sale and security Deed is XXXX as Nominee for XXXX XXXX XXXX, transferred to XXXX Investors. 
I spoke with XXXX representative and I told them that I was presently in Bankruptcy Chapter XXXX but wanted to do a modification and asked them to send me the paperwork. The representative said that would not be a problem and that they would work with me on modifying the mortgage. I also told her I wanted to make sure of the real owner the mortgage as XXXX send me another letter saying they are still the servicer. Then I received another letter that XXXX was and another that XXXX was. This IS very confusing and unethical! 
I never received the paperwork for the modification and then received a notice of from their attorney, XXXX. I replied to the attorney in XX/XX/XXXX and let him know I am in Bankruptcy as all their correspondence said they were a debt collector attempting to collect a debt. 
The next correspondence I received was a Foreclosure Sale set for XX/XX/XXXX in 3 weeks. I called the representation and explained again that I had never received the paperwork for the modification. She then told me it was too late to do a modification and that it was set for sale. I explained again that I am still in bankruptcy and she argued with me and said my bankruptcy was dismissed which it is not! I told her they could contact my attorney and he would tell them I am still in Bankruptcy. She said there was nothing she could do. 
I am still in Bankruptcy and it is active. My attorney 's name is XXXX paperwork and case number attached. 
The representative said I have 3 weeks to get my furniture and personal items out of my house or I would lose even my personal belongings! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 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 went into a XXXX XXXX store. I had purchased a phone that I could use with their services and wanted to transfer my phone number over to them. Once there I provided photo ID ( Driver 's License ) and my Social Security #. They informed me that someone with a different name had an account already opened with my Social Security number. 

At the time they wanted me to fax a copy of my social security card to their activation department, which I grabbed and brought with me to the store, but there was no fax machines on location. They told me to call customer care. I have called customer care six times now, starting on Sunday XX/XX/XXXX, and no one has been able to help me in correcting this fraud. One of their customer care phone operators, XXXX, guided me to this website to file a claim. 

I have received little to no help, I have found out that multiple employees did not file fraud claims as they said they would. I have received differing stories on how long this process will take, and have been told multiple different and conflicting ways to handle 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 12/22/2017 about Payday loan, title loan, or personal loan (Installment loan) with AMERICAN ADVISORS GROUP (NV).
Issue: Getting the loan

Complaint: On XXXX XXXX, XXXX, XXXX Montana AAG Vice  President, personally assigned me to his loan officer XXXX XXXX XXXX. In my conversation with XXXX XXXX, specific requirements pertinent to obtaining a reverse mortgage loan were disclosed. They included purchase agreement, counseling, FHA appraisal, and financial disclosure, all of which were provided. Nothing more was requested or deemed required. I explained my current and past residency and lack of credit history. XXXX XXXX clearly indicated this was not a problem since I was " the perfect candidate for a reverse mortgage considering my age, marital status, and substantial net worth ''. 


Since that time, endless amounts of data have been requested and furnished whether the data was relevant or not. In early XXXX the account was reassigned to XXXX XXXX XXXX immediately after XXXX XXXX XXXX had called to advise the loan had been rejected due to a conflict between the XXXX  XXXX XXXX XXXX XXXX, and FHA requirements. XXXX XXXX XXXX 's explanation of the facts along with my email to XXXX XXXX XXXX, AAG CEO resolved the issue overnight. The loan was then reinstated. 


XXXX XXXX has repeatedly lied, misled, misrepresented and failed to disclose requirements initially, and throughout the loan process. XXXX XXXX  's standard answer is " I do n't make the rules '', but he certainly knows how to break them This has placed all parties at financial risk, and in my case, resulted in health issues. 


The UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU ADMINISTRATIVE PROCEEDING File No. XXXX of XXXX XXXX, XXXX levied a {$400000.00} fine against AAG, it 's Officers and Directors for fraudulent actions comparable to that of XXXX XXXX Once again AAG has violated XXXXederal Law, and will be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Was called and told about a unpayed credit card. I explained I thought it was payed off and have not received any notice. Thy replied that thy sent letter and ask about address. My address has been the same for 20 years and they did not sent to right address. I asked if they could resend to confirm the unpayed card and they said no that if I did not pay they would be serving me papers the next day. I ask to give some time they said no. They wanted payment now or I would get sued. The scare tactics was horrible. One of the women started yelling at me saying she was doing me a favor and if this is the only chance to talk or there would a judgemental against me in the morning. I asked if the call was being recorded and she got mad and called me uncooperative that she did not have do put up with this that 's she had what sounded like hospice at home and she didnot have to pUT up wits this I replied that i am wan ting to hand let what eversion i owe bUT wold lIke proof of some kind. She got mad and saI 'd if i dI 'd not pay she wold be getting a judgment agains me and cost me more.She said you need to make pay what you owe this would n't happen. I tried to make a deal paying half and making payments on the rest and she a I 'd no that that option past when I did not respond to letter. I said you sent letter to another address and you have correct address and did not send to it. She got mad and hung up saying I would be getting sued. That she new available amount on my bank card wanted payment Another XXXX called back and work a one time payment out after more scare tactics leaving me unsure if I did right by paying. While waiting at bank to clear money another person called my wife 's phone to see if we where going to pay XXXX her We both were aafraid of getting account seized

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am writing to the consumer financial protection bureau to remake a complaint concerning a matter which I previously made a complaint on in XXXX of 2015 ( complaint # XXXX ) on my private student loans. At that time I made the complaint that even though I was paying my bill, Navient was still harassing my aunt who is a cosigner on my loan and was suffering from XXXX, had a XXXX and had XXXX at XXXX XXXX and XXXX XXXX Hospital in XXXX XXXX, where she lives. She has now been diagnosed with a mass on her liver. When I complained to you and your organization, you got in touch with Navient and the harassing phone calls stopped to my aunt. I continued to make payments and arrangements as I will outline in the following but my major worry is that they have yet again started harassing my aunt. I would seriously request your help in making them refrain from harassing my aunt suffering from XXXX who is not responsible for the bill and only a cosigner. I would like her removed as I have been making the payments. 
As of right now, I had spoken with Navient and had been told if I submitted bank statements and pay stubs that I would be qualified for a program to reduce my interest rate to 1 % and my payments would be {$250.00} a month. I submitted the paperwork and they took a payment of {$250.00}. Navient left me a voicemail saying I was approved but they needed to speak to me. When I called back, they said I was not approved in complete contradiction to what I had been previously told and with the amounts of money taken out of my account. Of course no full names were given to me and they did not give me any other options. In the mean time they have taken XXXX more payments of {$250.00} out of my bank account. They have continued to call my Aunt who has been battling XXXX for years having XXXX, a XXXX and been through XXXX treatment and recently discovered a XXXX. My XXXX continually receives calls at home and at work, day and night. The last person I spoke to at Navient told me he needed to speak with my aunt to set up the program. When my aunt spoke to the man he was extremely rude and said " You can pay your bills but not us. '' That is completely wrong to say that to someone who has been paying medical bills on top of her own family matters and who is not responsible for this bill and is simply a cosigner. It can not be legal for Navient to take payments and then say I am no longer qualified for the program let alone verbally abuse my aunt on the phone. I am trying my best and have been making payments but Navient continues to break their word and not work with me and harass my aunt which I have previously put in a complaint about.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I discharged a debt in chapter XXXX bankruptcy that was owed to XXXX XXXX XXXX College. Despite this fact this debt keeps being sold to new collection agencies and I keep being contacted in an attempt to collect this discharged debt. I have informed XXXX previous collection agencies that this debt was discharged in bankruptcy and included as a listed creditor in my bankruptcy. Instead of this being the end of it the debt just keeps getting sold to a new collection agency and I 'm again contacted.

Company response to consumer: Closed
Consumer complaint received 04-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar continues to tell us that there is no scheduled foreclosure sale date on the subject property, however, the borrower received a notice of trustee sale. Today, I talked to Nationstar and was told that once again there was no notice of sale. I called the trustee company and much to my surprise, the trustee company is owned by Nationstar. This trustee company said that they have not recently been specifically told by Nationstart mortgage to foreclose, however,. the file had a notice of default filed in XXXX and therefore a notice of trustee has followed. There is NO DATE on the Notice of Sale, NO SIGNATURE on the notice and NO RECORD OF RECORDING the notice on title. It was simply POSTED to the borrowers door.

Company response to consumer: Closed with explanation