milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America was XXXX position mortgage on my home and failed to perform a title search and subordination agreement with XXXX lien holder XXXX XXXX XXXX XXXX. When I went to sell the home the XXXX lien holder told me they were in XXXX position as Bank of America failed to perform the appropriate title search. Contacted BOA and asked for them to process a title search and subordination agreement with XXXX. I was told to send a fax to the subordination department, which I did on XXXX XXXX, 2015. Called to follow up. Transferred four times. Disconnected from the line. Called again. Transferred three time. The final agent told me he could n't help me and did n't know where I needed to go. He asked me to start with a loan officer. One hour on hold and the bank does n't know how to file the appropriate subordination agreement and title search? This process has been ongoing for over two years in trying to get the house sold while avoiding foreclosure with Bank of America now failing to perform a title search and subordination agreement with the second bank now telling me to work with the first bank ( BOA ) and them not knowing what to do to fix the problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: overwhelmed in student loan debt can not find a career in the field of choice that pays a decent wage. will eventually stop paying loans to support my family better

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Money transfers (Domestic (US) money transfer) with Alliance Data Card Services (TX).
Issue: Other transaction issues

Complaint: I paid {$420.00} for a retreat, but immediately attempted to cancel it ( within the hour ), through PayPal. The reason for the cancellation was because certain details about the event made it difficult for me to attend. These details were revealed only *after* payment was made. I spoke to Paypal who suggested that I speak with the merchant about getting a refund. Through email correspondence, the Merchant agreed to a full refund. I provided Paypal proof of the email conservations I had with the merchant, granting full refund of {$420.00} but to this day, PP has refused to honor the refund. In addition, the purchase should have been eligible according to PP Buyer Protection refund policy. Also, the immediacy of my dispute was way in advance of the event and should not have posed an issue with PayPal or the merchant to reolve the issue. If anything, the transaction could have easily been written off as an incomplete. As clearly shown in email correspondance, the Merchant recognized that leaving out certain event scheduling details, could mislead customers and therefore, in my case, became an unusable product. I used PayPal for such transactions as a way to provide me with protection and resolve any disputes. I expect this amount to be refunded and retrieved from the vendor or PayPal in a timely manner. Thanks in advance for CFPB 's assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Medical debt) with AVANTE (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been recently monitoring my credit report, and found an agency called XXXX XXXX I have never heard of this company nor did I do business with them. I called  XX/XX/XXXX and spoke with a representative asking how did this agency obtain my information that is now on my credit report. She asked me for my phone number in which I presented the agent the number but she could not find me according to my phone number. I refuse to give some unknown agency my personal information which can be used to damage my reputation. I did not receive anything in the mail granting this agency access to my medical history. I did not receive anything in the mail claiming that I owed this allege debt. this agency is asking for a total of XXXX which they say I owe. this agency has been on my credit report since XX/XX/XXXX of this year, when in fact, I had no derogatory remarks or ever using any services. XXXX had a breach that affected millions of consumers and since then agencies such as the one above have been getting my personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, XXXX Cavalry Portfolio Services LLC ( CPS ) filed a complaint against me. They served me on XXXX XXXX, XXXX ( docket is attached ). I filed a Notice of Dispute requesting debt validation into the court record on XXXX XXXX, XXXX. I never received debt validation. I filed my Motion to Dismiss on XXXX XXXX, XXXX after requesting an extension of time to respond. The Plaintiff 's attorney filed paperwork into the court record without providing me any copies on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the Plaintiff filed an Account Settlement into the court record without my receiving or agreeing to it. A hearing was set for my Motion to Dismiss on XXXX XXXX, XXXX. Prior to that I filed a Motion for Leave to Amend the Motion to Dismiss on XXXX XXXX, XXXX because there was new information I found. At the hearing on XXXX XXXX, XXXX, I informed the court that it had no jurisdiction over me because the complaint was filed XXXX and I live in XXXX. I also informed the court that the Plaintiff lacked standing because the Bill of Sale and Assignment of Loan attached to the complaint stated that loans were sold to Cavalry SPV I , LLC ( SPV ) and it did not identify me or any account of mine. CPS and SPV are XXXX different entities. CPS is from XXXX and SPV is from XXXX. The Plaintiff 's attorney told the judge that if she granted my Motion to Dismiss, the Plaintiff would be unable to file a new lawsuit because it would be outside of the statute of limitations. Incredibly, the judge allowed the Plaintiff to be substituted on XXXX XXXX, XXXX! It is not my fault that the Plaintiff lacked standing because the attorney named the wrong Plaintiff. Furthermore, the Plaintiffs have never validated any debt to me nor provided any assignment of a debt contrary to XXXX Statute XXXX. I timely filed my Objection to Substitute Plaintiff on XXXX XXXX, XXXX and requested a hearing, which still has not been heard. My Amended Motion to Dismiss will be heard on XXXX XXXX, XXXX. This debt collector has affected my reputation by having a complaint against me since XXXX which was served in XXXX. These debt collectors had no right to sue me when they never provided to me any debt validation including loan level documents, contracts, terms showing the interest changes, how the amounts were calculated, who the original creditor was, etc. 
The court is permitting this debt collector to change the party suing me almost five years after the lawsuit was filed. It is not my fault that this debt collector has faulty records and does not know what it is doing and who it should sue. I do n't understand how a Plaintiff can be substituted after more than four years in a lawsuit. The Plaintiff was conceding that they had no right to sue me as CPS and requested that the court allow them to continue to harass me by permitting the change of Plaintiff.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo has denied my request for loan modification several times. They send me several letters which state they do not have contractual agreement to modify my loan, but then they will send me another letter stating that the income reviewed is not enough or letters stating I have too much. I have tried everything possible, request upon request. I have gone to mediation where no decision is made. I have filed bankruptcy. I feel that they are purposely finding ways to put me, an elderly woman and her elderly husband out on the street. They very well could be discriminating against me due to age. I just do n't understand how so many others with less than me or more than me can save their home, but yet, me along with so many Well Fargo victims are forced into situations by Wells fargo and their representatives which clearly demonstrate how well they get around the law. They hire big shot attorneys to who only respond when they feel the need to and then find a way to put blame on you. As I am sure this complaint will also be answered to by them, somehow finding a way to clear themselves of any wrong doing. Its all politics and no one cares for the people who make this country what it is and what it could be. I truly hope that this complaint will be read and that a true investigation into the unfair practices of Wells Fargos and those attorney 's representing them will be reviewed in detail. Your assistance is greatly appreciated.

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 04-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient changed my loan terms without informing me or obtaining my conset. I was on a 10 year repayment plan with auto debit, and they converted it to a 30 year plan paying only interest. When I called they were not helpful, and did not clarify why this was done. I am not sure if this is going to be corrected as they told me it will take a couple of weeks and I will need to follow up closely on this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: As part of my move from XXXX to XXXX in XX/XX/XXXX had paid of XXXX for XXXX services in full. However, XXXX ended updating their records incorrectly and handed off my 'closed account ' to a Debt collection agency called 'Debt Recovery Solutions - DRS '. 

DRS was contacting me for the payment, during this process my discussion and explanation of the closed and fully paid account was not accepted. I was time and again warned about the 'negative consumer credit reporting ' consequences of this collection and was pressurized to pay of {$280.00}. 

Despite not owing to pay anything to XXXX or DRS on a low moment I paid off the {$280.00} when DRS promised to delete the 'negative consumer credit reporting ' as an error on their side by XXXX of their collection agent by name XXXX XXXX on XX/XX/XXXX. 

However, DRS did not keep up its promise and continues to report this debt as a 'collection ' on my account. Fully paid though. 

This issue negatively impacts my credit rating at the XXXX, XXXX & XXXX and request your intervention with DRS to get this deleted as 'No Fault ' of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: This is my XXXX dispute regarding erroneous information on my credit report which the agency has had over 30 days to investigate and has provided no proof of said investigations which has willfully defied the FCRA and FDCA.

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 10/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Loan servicer has refused to contact customer who has resided in the home over ten years and with perfect payment history regardless of settlement reached with Department of Justice and continues to fail to negotiate. Additionally, when contacted by customer, loan servicer states " check is in the mail '' and after three years has received nothing. Servicer has decided to proceed with illegal foreclosure against the outlined conditions of the setttlement agreement obtained by the Supreme Court. Customer obtained Federal grant money through the state program for foreclosure prevention and foreclosure by the Servicer will nullify and put in default the agreement of the grant and thus making it into a loan what the United States and the State granted the customer due and payable by the customer immediately which was not intended as part of the agreement and is counter to such agreement for assistance and the prevention of foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit card () with SYNCHRONY FINANCIAL (SC).
Issue: Other

Complaint: Due to an overpayment, I had a large negative balance on  my Lowe 's store credit card. I requested a refund of this balance per Lowe 's policy. This was 50 days ago. I was initiall y told it would tak e 7 to 10   days to process the refund. Several days after that time had lapsed ; I was told it would take up  to 20  additional days for them to resolve my refund. It has now been 30 days since they said that and I still have not heard anything from them. At this point I can only assume that they plan to not release the balance to me. Can you please contact them and ask why they are witholding funds from me against my will? Thanks

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 03/20/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I found out about late payments on my loans ' histories, and called to challenge their legitimacy. I spoke with a woman named " XXXX '' ( ID XXXX ) from Fedloan Customer Service, who advised me to file a Credit Dispute Form. I faxed this form directly to Fedloan, and uploaded an additional Goodwill Adjustment request online. Essentially, I pursued both formal, and informal, requests for Fedloan to " hear me out '', as I did not believe they failed to provide any proper notice. " XXXX '' reviewed my account and disclosed the address that one letter, over the lifetime of my 20+ late payments, was not listed. In addition, the email address was invalid, and no records of a phone call existed in regards to the late status of my account. 

Later in this complaint I will attach the PDFs of both the Dispute Form, and the Goodwill Request, the latter of which contains the record of my XXXX Credit Report to verify the listing of the late accounts. These were submitted on XX/XX/2017, and I have not received any contact, via email, phone, or letter in regards to these claims. With this being day 31 since the dispute was filed, I would like to report Fedloan 's inaction to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Debt collection (I do not know) with Allied Interstate LLC (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I 've started getting calls from the company Allied Interstate LLC recently. When i asked what the call was about the person on the phone would just say " an important business matter '' or " personal business matter '' and then ask for me to confirm my social security number without telling me what the call was about in detail. When i told them they needed to state the actual reason for the call and if it was being recorded they would tell me that if i didnt confirm my information the would submit it to the legal action team. I 've attempted to block calls from their numbers and direct them to my lawyer and tell them to stop calling and yet it continues.

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 03-06-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX. 

I placed two complaints - see CFPB complaint # XXXX and # XXXX. 

This was debt was removed from my XXXX credit report - and has not been removed from my XXXX Credit report. I'd like it removed immediately. Thanks 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 05/17/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (SC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Account closed by company stating due to annual review and lo w credit score no   balance on card

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 11/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a " good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from XXXX XXXX XXXX. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen in early summer. Soon after trying to fight the discrepancy, I received a letter from XXXX XXXX XXXX that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited " recent delinquencies '' and " insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with XXXX XXXX XXXX trying to get the issue resolved.

Company public response: Company chooses not to provide a public response
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. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I read in the news on XXXX XXXX, 2017 that the credit reporting agency Equifax had an enormous amount of personal data stolen through a network hack. After checking the website Equifax provided I was informed I was most likely one of the individuals who had their data stolen. I have put a fraud alert on my account which causes massive problems being that we are about to apply for a home loan and have just recently purchased property. This breach will most definitely set up back several months at the least.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NV).
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: In the beginning of XXXX over a three month period my American Express was charged {$2900.00} total in many many XXXX charges that were not mine. I have sent over the 49 page dispute to American Express 3  times and they finally confirmed receipt of it. This has been going on for one year and nine months now. I was only given credit of approx. {$400.00} of the total of {$2900.00}. I have called American Express an additional nine times over the last year and have been told every time its still in process and will be resolved shortly. In the start of this in XXXX XXXX I was told it would take a few months. After 5 months I was told it would take a couple more months. After calling nine times, the last 6 calls I was told they would call me back within 48 hours after the look into it and see why I had still not received the credit. I NEVER have received a call back. I had to pay the full {$2900.00} as this is a platinum American Express and is due in full every month, there are no partial payments. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received numerous telephone calls attempting to collect a debt from " XXXX XXXX. '' I do not know an " XXXX XXXX '' and told the company that during the XXXX - XXXX attempt they made to contact me. 

I also told them to take my name ( " XXXX XXXX '' ) off the list and that I would report them if they called again. 

I received a call from XXXX XXXX which seems to be from XXXX Maryland. However, the person on the phone said that her company, RPM was located in Washington. She said that she did not know the address ( but apparently had made it to work that day at some address ). She stated that her name was XXXX and that her supervisor was XXXX XXXX (? ). She was very hesitant to provide me with any information on the company or how to contact them.

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