milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2015 about Debt collection (I do not know) with EOS Holdings, Inc. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get frequent calls from XXXX but when I answer they do n't respond. I did some XXXX research and learned that this number belongs to EOS CCA, a debt collection company that apparently buys uncollectable debt from various companies and then tries to collect on it. As far as I know, I do not have any unpaid debt and I have no adverse actions on my credit report, so I do n't know why they keep calling me. And since no one responds when I answer the phone, I ca n't even find out from them why they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (Conventional fixed mortgage) with EQUIFAX, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I have had millions of dollars stollen from my identity. XXXX houses in the U.S.A. and all with close spelled names. I think even a car loan too.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Consumer Loan (Installment loan) with Avant Credit Corporation (WI).
Issue: Managing the loan or lease

Complaint: Twice they have reported missed payments to my credit bureaus, I still have n't gotten the first inaccurate info removed and now they have done it again. I have proof that this loan has been paid monthly with no missed payments. I have also been unable to get them to give me a written statement showing what I have paid and what is still owed on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been repaying my student loans via Navient and XXXX XXXX XXXX ; the loan was issued by them, NAVIENT PRIVATE LOAN TRUST and XXXX. They 're both a variable interest rate that has NOT adjusted to my income or basic principals of adjustments. The payments are insanely high whilst the loan itself will not reduce as the years tick away. The school that the loan was issued for is now going under as well ( XXXX. ) I have issued both federal and private loans for this school. I finished my education at XXXX University and am understandable with the federal loans provided. My concern is the the XXXX private loans I have, XXXX from Navient and XXXX from XXXX that are impossible to sustain and pay off. I have tried to address this several times and am struggling to find a way. I was told they should 've been forgiven given the circumstance but no point of contact is available for both the school or providers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CO).
Issue: Problems when you are unable to pay

Complaint: My wife and I have a joint loan with GM Financial for the purchase of our XXXX XXXX. I believe we got the loan XX/XX/XXXX. My wife, XXXX XXXX, filed for bankruptcy and it was discharged XX/XX/XXXX. GM Financial will not let me speak with them about my account because of this and more importantly, they are not reflecting my timely payments that I have made for a year now. I am trying to refinance the vehicle and am getting turned down because GM Financial refuses to have my payments reflected on my credit report. I believe they are unlawfully doing this. Can you please help me to get GM Financial to reflect my payments on my credit report? Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I was denied credit as a co-signer for my son 's student loan due to CitiMortgage 's error in process/posting a paid-in-full check from my house closing. In addition, the law firm hired by Citi, XXXX, XXXX, XXXX XXXX XXXX ( XXXX ) also exhibited servicing abuse in regards to this transaction. 
Timing in life is everything. I sold my house on XXXX XXXX, 2010. See attached closing statement. On that same day I received a letter from the law firm acknowledging this transaction so both lender and law firm were cognizant of the closing. I was unaware that the credit bureaus were going to receive inaccurate information that I have forclosed. I was never informed of this error AFTER the closing or allowed to remedy this situation CitiMortgage should have released the law firm the day of the closing. No one acted on good faith and it is a cruel act of servicing abuse where there should have been a PAUSE in the foreclosure process. This is just sloppy and fraudulent practice on their part. I ( and I 'm sure others ) were NEVER given a chance to restructure. 
Unfortunately, the lenders have a history of deficient practices that must stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient has taken my work number off of my co-signer release requested and continued to call my job to collect student loan payments. Further, navient has called my work and home phone number to harassing extents. Navient has incorrectly written payment reversals on my account to put my loan in default despite the money being debited from my account, and mislead me to believe a co-signer could be relieved. I submitted a co-signer release request which was denied despite having years of payments and sufficient income.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Other debt) with Brennan & Clark, Ltd., LLC (UT).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I received my first call from this company AFTER they contacted my former in-laws and gave them information about my supposed debt. My forme r MIL ...   former by 7 years ... .called me with the number to contact  XXXX   XXXX   at Brennan and Clark . She told me that   XXXX   claimed she was an attorney and that   I needed to get this squared away so I did n't get taken to court. This was the FIRST TIME I HEARD OF THIS COMPANY. How incredibly embarrassing. This debt is a recent debt from a car insurance company that cancelled my insurance. I called  XXXX  back. She apologized right away for giving away my personal information to " secondary contact ''  ( former inlaws ).  She knew right away that what she did was not acceptable, and illegal. I have NO idea where she got their information ... from a   XXXX   search of my name? This is when she got my phone n umber ( a number that has been the same for nearly 4 years ). This was under four weeks    ago. When she spoke with me, once again, she claimed she was from an attorney 's office. The debt is obviously mine and instantly I said I would pay half the debt within the hour and that she could call me to pay the rest in  one  month. She has been relentlessly calling while I 'm at work, for several days. She has le ft two add itional voicemails to " fix my debt '' but today left a threatening voicemail that their lawyer will contact me if not " fixed by   XXXX   XXXX  . '' I immediately called back and asked her if she worked for an attorney. She said no. I asked if she were part of an attorney 's office. She said no. I asked if any attorney 's worked in that office. She said no. She said she believes that a department works with some type of legal services. At that point she would no longer answer any of my questions and tried to send me to her supervisor. He did not pick up but his phone but his extension is  XXXX . I called her back to get more information but she will no longer pick up. Her phone number is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a Sam 's Club Discover card. Sam 's club changed to MasterCard and I declined the card ( at the store ). Today I received a bill thru email on the same MasterCard I declined. I did not receive a paper bill ... I had no account number that I was aware of. I never received or activated a MasterCard.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit card () with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Billing disputes

Complaint: I made a payment towards my Peoples United Bank Card Services credit card balance a few days before due date on XXXX XXXX, 2015 at the local Peoples Bank office here in XXXX, CT. But when I checked my credit card balance a week ago, that payment had not been applied and my balance was now approaching my limit without said payment. 
I have been in regular touch with Peoples United Card Services for the past week. I have talked to multiple people, managers, over managers and nothing has been resolved to date. They have ALL the info they need i.e. faxed form from Peoples Branch in XXXX, CT showing that I made the payment, email from me showing the check I wrote and the money having left my checking account. They acknowlege that the payment was made but they have STILL NOT applied it to my credit card. They have charged me a late fee, they are charging me interest every day AND this is affecting my credit rating which was excellent. I need IMMEDIATE help with this. Peoples United Bank Card Services has demonstrated abysmal customer service to someone who has been a customer for almost 25 years. I have paid my bills on time and for many years in full and this is the way they treat their customers. I need your help to urgently resolve this matter. I will be taking my business elsewhere after this and will never use Peoples Bank, Peoples United Card Services again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with BANCORPSOUTH BANK (TN).
Issue: Using a debit or ATM card

Complaint: I am a student at XXXX University in XXXX. I am originally from XXXX. In XXXX my debit card was stollen. There was a charge of {$73.00} on my account to XXXX. XXXX is a XXXX website that does not have any contact information. Bancorp South reimbursed my account three days after. In XXXX XXXX responded saying that I was a Cardholder since XXXX and provided a fake name and address that did not match anything the bank has for my account. XXXX XXXX while I was home in XXXX break Bancorp South sent me a letter stating that I would have to write a rebuttal letter by XXXX XXXX, XXXX in order to receive my money back. I returned to XXXX Monday XXXX XXXX, XXXX and received this letter Monday XXXX XXXX, XXXX. The bank has withdrawn the reimbursement of {$73.00} because I did not respond by XXXX XXXX, XXXX even though I did not receive any notice until XXXX XXXX, XXXX. They will not return this money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Bank of America Mortgage Loan # XXXX The lack of processing of our loan has thrown us into default within the terms of the Purchase Agreement. Due to my husbands future ( retirement ~ date unknown at this time ) I was told he would need to be removed from the loan application because he would not have the wherewithal to meet his financial commitments if he retires. When we applied for the loan our birth dates were stated ~ retirement is a fact of life as is XXXX. I retired XX/XX/XXXX with a reasonable pension from XXXX. We paid for an appraisal ( {$560.00}? ) which was completed and requested the appraisal be sent to us so that we could use it elsewhere. That has not occurred. Most importantly, we requested a letter stating the approval or the denial of our loan, which as of today 's date XX/XX/XXXX has not been received. We have pending damages if we fail to close on XX/XX/XXXX. Only personal note is that my credit score is XXXX and we are creditworthy applicants.

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 09-10-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: One day, maybe in XXXX or XXXX, I took out a student loan with a bank that was not Wells Fargo ... I never originated a loan with Wells Fargo ... Ive banked there for over 20 years ... Never anywhere else ... Never a loan ... 

I assume Wells Fargo purchased the bank with which I originated the loan. How can Wells Fargo have rights that the originator never had? Wells Fargo, out of the blue one day in XXXX of XXXX, did an offset to my bank account for {$1500.00} for a loan with a bank that would have to go through the legal system to get rights to my bank accountPlus the loan would have originated in XXXX or XXXX so it seems that the statute was up. 

To this day, I do n't know what loan this is about, and when I called Wells Fargo back in XXXX XXXX, I talked to an underwriter named XXXX who was offered no explanation. When I submitted a complaint form, I got a letter from a person identified as XXXX on Wells Fargo parchment letterhead dated XXXX/XXXX/XXXX. She basically states that Wells Fago was within its rights, and still did not tell me the name of the origination bank. 

Wells Fargo put me in duress by taking {$1500.00} of my bank balance and telling me that if I would not agree to a monthly payment plan they could reduce my bank balance by 75 % whenever they please. The scenario was stunning, and has caused me emotional distress. I was intimidated and to this day I feel like Wells Fargo may go into my account for whatever reason they deem acceptable. 

I went to University 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 06/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with United Recovery Solutions (OH).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Received phone call, the caller first would not explain why they were calling and asked for personal information and family information. Caller became very aggressive and made threats of legal action. Caller made personal remarks about my family. Caller was degrading. Call was very one sided and accusatory. Calls have been made even since company was informed the debt was settled. Caller made comments as to my parenting and teaching my children to steal. Hung up when I requested to speak with a supervisor, refused to transfer me, or give supervisors name. This company is very unprofessional, the tactics that they use are threatening, abusive, rude, in violation of the fair debt collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: during the week of XX/XX/XXXX, I had XXXX inquiries, XXXX public records and XXXX collections accounts removed from my Transunion credit report. 
I then checked my credit report on XX/XX/XXXX, the inquires, public records and collection account were added back to my credit report. 
It is my understanding that the credit reporting companies are suppose to contact you within 5 days of adding back any information that was previously removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Inaccurate late payments are showing on credit report. Loans were in the process of deferment and multiple late payments were reported.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have called Capital One multiple times regarding crediting the interest charges for three months due to impacting by recent hurricane Irma in Florida for all three of my accounts and they only gave me one interest charge back when I requesting for three months of interest to be refunded. Also I noticed they reported my accounts to the credit reporting agencies eventhough I was supposed to be on a natural disaster relief program and I was told I wasnt supposed to be reported to the credit bureaus for being late.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Bank account or service (Checking account) with PNC Bank N.A. (NY).
Issue: Account opening, closing, or management

Complaint: PNC bank offered promotion {$300.00} for creating account. 
I applied for account XXXX/XXXX/2015 over phone and agent emailed me coupon with conditions. 
One of required conditions was to have total Direct deposit at {$5000.00} within 60 days. 
This and all other conditions were met by XXXX XXXX, 2015. 
Account was created according to PNC papers on XXXX -- XXXX/XXXX/2015 and corresponding documents were sent and delivered to me on XXXX XXXX, 2015. 
Until that I did not even know for sure that account will be approved moreover did not have account number. 
PNC did honor their obligation to pay Promotion bonus. 
It is likely because they started counting from their internal work for account creating rather than from the moment I as account holder became capable to handle my account and in particular assign my Direct deposit to this financial institution. 
Until I received paperwork it was their account though on my name and it was not mine. 
I requested to compensate delay on those several days because in no way I could use my account before having account number. By the way PNC failed to email me any info confirming account creation and when I called over phone their agents twice could discover status of my account. 
I found this as dishonest practice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Prepaid card (ID prepaid card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: I have an American Express XXXX card for my daughter I have had the card now for three years this was the first year that I set up automatic withdrawals I have not been checking the account until this month and there has been a debit coming from the account for XXXX dollars every month for XXXX music which was not authorized I called number on card to report fraud I was informed I would receive a email for fraud three days ago I had not received it yet so I called to check on it and there was no record that I even called I asked to speak a supervisor I called from my cell and have literly on hold for one hour and forty five minutes now and have yet to speak with anyone there was no phone number XXXX under transaction to contact them that is a total XXXX dollar as of this month deducted that I did not authorize I do n't know what kind of company this is and what games they are playing I need a refund for unauthorized charges and this account closed. ASAP

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Struggling to pay mortgage

Complaint: Through an extensive investigation and evaluation of our mortgage documents including the Deed, Corporation Assignment of Deed of Trust, Adjustable Rate Note mortgage note by an expert with special skills including handwriting analysis, we have discovered that our mortgage documents that Bank of America has used in filing multiple foreclosures against us contain extensive fraud and defects, those defects include backdated documents, wrong county crossed out, falsely stated dates of transfer or no dates of transfer at all, fraudulent notarizations, forged signatures, signed by employees of the servicers or document preparers who often falsely claimed to be officers of the originating banks and other entities up the chain of assignments, and were robosigned ( i.e., signed in bulk ). <P/>Exhibit A ) Adjustable Rate Note the signatures on the document are forged, the county is wrong, all the lines for signatures have the same defect. Exhibit B ) Corporation Assignment of Deed of Trust, filed XX/XX/XXXX ; however, this date contradicts the closing date on Exhibit E ) Pooling Servicing Agreement, which states a closing date of XX/XX/XXXX, therefore Bank of America filed the fake, robosigned Corporation Assignment of Deed of Trust FIVE YEARS TOO LATE. In addition The Corporation Assignment of Deed of Trust is also backdated with a effective date ofXX/XX/XXXXXX/XX/XXXX the reason the document was backdated because Bank of America was foreclosing on our home without standing from XX/XX/XXXX through XX/XX/XXXX, so Bank of America filed this fraudulent document back date their standing for foreclosures from XX/XX/XXXX through XX/XX/XXXX. Furthermore, The Corporation Assignment of Deed of Trust is also signed by a ROBO SIGNER XXXX XXXX Assistant Secretary.  In addition, the defects in the The Corporation Assignment of Deed of Trust states Certificateholders of XXXX, XXXX XXXX XXXX XXXX-XXXX   Trust XX/XX/XXXX-XXXX is listed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Bank of America Corporation , XXXX XXXX XXXX XXXX XXXX..listed as Exhibit A of List of Trusts That Used Fraudulent Mortgage Documents PLEASE SEE EXHIBITS ATTACHED Exhibit A Adjustable Rate Note Signatures on this document are forged Exhibit B Corporation Assignment of Deed of Trust This document is completely fraudulent Exhibit D Pooling Servicing Agreement states attached is a copy of prospectus supplement dated XX/XX/XXXX, received in this Commission on XX/XX/XXXX, under the name of XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX-XXXX , File No. XXXX.. Exhibit E Pooling Servicing Agreement stating that trust closed on 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 explanation