milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2015 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (NH).
Issue: Application, originator, mortgage broker

Complaint: Initiated loan refinance with amerisave in XXXX 2015, it is XXXX and loan is not closed. My credit my ability to pay and documentation have been provided. The damage to me financially by not closing in a reasonable amount of time ( I consider XXXX days XXXX is at {$1200.00} and counting. This company has now restarted like this is a new loan asking for all same docs already provided and running a hard push on my credit report and ordering a XXXX appraisal on property. I think I am being scammed the interest rate I locked in XX/XX/XXXX is not offered I ca n't move on to another lender because of application fee and appraisal fee I have already been charged and I am not willing to forfeit. 
Please advise

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Closing/Cancelling account

Complaint: Bank of America account # XXXX I disputed this account in XXXX 2016 to all XXXX credit bureaus. XXXX and XXXX has fixed error. XXXX has not fixed the error. The account settled over a year ago in full. I have XXXX to prove it. This my final attempt with XXXX to fix it or I will be contacting a lawyer to handle this matter. This account was settled and should be CLOSED and have a XXXX balance. My case number with CFPB is XXXX. The XXXX confirmation numbers XXXX dated from XXXX XXXX, 2016 and XXXX XXXX, 2016 are # XXXX, # XXXX, # XXXX. This is the final dispute. If not fixed, I will hand it over to my lawyer. I am trying to fix this before I apply for a new car loan in XXXX 2016. 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 non-monetary relief
Consumer complaint received 09-11-2017 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: Credit inquiries on your report that you don't recognize

Complaint: My complaint is about the security breach from Equifax. Upon visiting their website to see if I was affected by their gross negligence, I read their terms of use. In their terms of use they require that I waive my right to be part of a class action lawsuit. Not only has their negligence created a 44 % chance that my personal information has been jeopardized, they seem to be bent on protecting themselves rather than protecting the 143 million Americans that their company has affected.
As reparation for the breach, Equifax has offered a year of free identity protection to all citizens of the US. After the year is up, the consumer will automatically be charged to continue the services. 

To add to this monumental act of negligence and the ensuing act of hostility to the consumer 's right to their own information and their knowledge of the safety of their information, there was a {$2.00} XXXX sale of corporate stock by high level executives shortly after the company learned of the data breach, but prior to the breach being publicly reported. This is trading on information not readily available to the public and therefore insider trading.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Other debt) with Capital Recovery Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Capital Recovery Systems located in Michigan. They claim I owe money for judgements to a PA court from XX/XX/1998. This was something resolved with another Court. Additionally, they are claiming ridiculous amounts. 20 years ... really? 

Collection Agencies shouldn't buy ( get consign ) old debt to harass people. I am in process of buying a new home for my Mother. She had a XXXX and the XXXX system failed her ... so I am doing what I can to make her life easier and help her recover. In the midst of making progress, Evil ( Collection Agencies ) try to stop progress. 

HELP!

Company response to consumer: Untimely response
Consumer complaint received 12/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I need someone to address this issue expeditiously : Two years ago the XXXX turn our account account over to a unethical, unlawful collection agency that harass you and tell lies to get money out of Americans who has loans with the XXXX XXXX XXXX. Something needs to be done about the company ASAP there name is Pioneer Credit Recovery they are a collection agency out of New York that does bad business practices. In 2014 they took my tax refund because they lied and told the XXXX that my XXXX XXXX XXXX XXXX was a Student Loan Something needs to be done about this Company ASAP. Send out a Stop and Decease Letter ASAP these people are misrepresenting the XXXX XXXX XXXX which is a Federal Agency. Pioneer Credit Recovery Needs to Be Stopped By the Government for Misrepresentation of Government Loan Accounts. 

On last Friday ( XXXX ) my job gave me some papers that will be giving a XXXX Collections XXXX the right to garnish my wages after I sent them in supporting documents explaining my financial condition. In the letter Pioneer Credit Recovery sent to your oXXXXfice they lie, and said that I did n't send in my XXXX. I can send the information that I sent them. Plus I have always told them that I could afford only {$300.00} dollars a month this Company XXXX XXXX Wants to receive {$550.00} a Month which I ca n't Afford. This company has lie on me I 've been advised to Sue them by an Attorney for wrongful and unethical business practices, because have harassed me by continuing to call and not except my financial agreement that I was willing to pay. Now they want to garnish wages at there amount which will greatly affect my bill agreements that I currently have. I 've never missed a payment with Pioneer Credit Recovery XXXX agency they are just unfit to represent the Federal Government. Feel free to call me at : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
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: I am appealing a rejected dispute regarding the adjustments I should have received along with my disputed credits. I 've been receiving generic responses about this. I am disputing some charges made by Capital One. Betwee
n 8/2016 - XX/XX/XXXX you should notice monthly fees.. all of which were about {$5.00} each month described as Interest Charge Purchases. Since XX/XX/XXXX there werent any transactions. The entire total was purely due to XXXX ( disputed merchant ) recurring {$9.00} transaction that was quickly adding up but now is all voided due to my dispute with them. The total balance throughout those months would have been low.
In the adjustments received onXX/XX/XXXX labeled as Fee / Financial Charge, I only received deposits of a few cents each, all around but mostly below {$1.00}. Those Interest Charge Purchases credits should have been greater for those 11 months. Its about {$55.00} in fees that were accumulated unfairly. I only received {$15.00} from those fees in the adjustments. Meaning, I still am pending a credit of approximately {$39.00} based on fees into my XXXX XXXX XXXX.
The {$9.00} credits are for the " XXXX '' disputed transactions but I am referring to the fees. Again in XX/XX/XXXX, I was being rebilled {$29.00} which may have caused an increase in fees. " XXXX '' decided to deposit that amount into to my card since Capital One was n't crediting it even though I sent documentation with evidence that I know was received repeatedly. I 've tried to resolve this via phone, chat, and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Medical) with Meade & Associates, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Paid debt on XX/XX/2016. There is no law REQUIRING a debt collection agent to keep a debt on a credit bureau file once it is paid. I have had several removed already, but Meade and associates will not remove a paid file from the credit bureau. They insist on keeping it on their and it reflects as derogatory credit. There is no LAW requiring this. This is the only company who has refused to do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Vehicle loan or lease (Loan) with BANK OF THE OZARKS (NC).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: XXXX XXXX XXXX  XXXX XXXX, XXXX. now named Bank of Ozarks obtained the bank in a Merger. The subject is a XXXX XXXX XXXX that I purchased then with good credit and score from XXXX XXXX  dealership of XXXX, NC was begged/ conhersed with 9.99 % interest rate. 
XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX now Bank of Ozarks and the salesman told me they'd lower the interest rate before my first payment. The President of XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX spoke to me in depth about XXXX XXXX reporting late payments months after month lowering my credit score and reading my credit reports violating my FCRA - Fair Billing Act while maliciously reaged my credit report while the XXXX XXXX XXXX in XXXX XXXX possession and voluntarily was already sold illegally by XXXX XXXX ( Collections Department ) and XXXX XXXX ( President of Bank of Ozarks ) Employee of XXXX XXXX XXXX/Bank of Ozarks. XXXX XXXX was undeterred in her actions against reporting fraudulent activity to my credit report while loosing me contracts, homes, other nicer vehicles hurting my good character. The Lt. Governor XXXX is my friend and worked on several projects in the community together spoke to XXXX XXXX told Lt Governor XXXX the vehicle repossession was correctly reported XX/XX/XXXX Lt. Governor was disappointed that The President of the Bank was violating my FCRA and Fair Billing Reporting Act. Lt. Governor XXXX also was concerned about Collection Practices of XXXX XXXX and Collections Practice 's. XXXX ( President of XXXX XXXX XXXX  XXXX XXXX, NC.caused me Great Hardships Financially, Socially, Mentally, by not acting according to NC Law. 
I have a Notarized Copied and Dated Copy from XXXX XXXX employee of XXXX XXXX XXXX XXXX XXXX, NC proving my XXXX XXXX XXXX was voluntarily returned on the date of the Notarized Bank Document signed on the day of XX/XX/XXXX without the knowledge of XXXX XXXX until after XXXX XXXX XXXX was returned by my fianc XXXX XXXX. XXXX XXXX volunteered and telling XXXX XXXX Thank You most people have to have their cars involuntary repossessed it was refreshing to have XXXX XXXX to act responsibly. The completeness and or accuracy is on the financial services institution to be reported correct on my credit report. While XXXX XXXX used the vehicle of XXXX XXXX XXXX as a weapon with the approval of President XXXX XXXX to violate my FCRA Rights viciously attacking my credit report Everytime I dispute their errors.The contract I signed also with XXXX XXXX XXXX   XXXX XXXX/Bank of Ozarks and the collections practices speaking to neighbors about my account while voluntarily returned the XXXX XXXX to the XXXX Branch. My privacy rights were violated maliciously without any regards to NC Laws by XXXX XXXX and XXXX XXXX. It was important to violate my rights so the merger would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013, XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 01-04-2016 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Deposits and withdrawals

Complaint: MY LOCAL LOWES STORE SUBMITTED MY CHECK FOR {$10.00} TO US BANK AFTER I HAD RETURNED MERCHANDISE TO THE STORE. THE STORE REFUNDED THE {$10.00} TO ME FOR THE ERROR. I CONTACED US BANK AND ADVISED OF THE ERROR. US BANK STATED THEY COULD DO NOTHING ABOUT IT BECAUSE THE TRANSCATION WAS A CHECK. XXXX RECEIVED PAYMENT FOR THE CHECK FROM MY US BANK ACCOUNT. A COUPLE WEEKS LATER AN UNKNOWN CHECK FOR {$25.00} THAT I DID NOT WRITE AND XXXX DID NOT PRESENT WAS LEVIED AGAINST MY BANK ACCOUNT. I CONTTACTED US BANK UPON SEEING THE CHARGE PRIOR TO THE CHARGE BEING DEBITED AGAINST MY ACCOUNT. I INFORMED US BANK THE ITEM FOR {$25.00} WAS UNKNOWN TO ME, WAS NOT A CHECK I WROTE, PRESENTED NOR AUTHORIZED FOR PAYMENT TO ANY PERSON OR COMPANY. I REQUESTED US BANK IMMEDIATELY INITIATE STOP PAYMENT AND A FRAUD INVESTIGATION. US BANK REFUSED TO DO SO, PAID THE ITEM AND CHARGED MY ACCOUNT $ XXXX- 4 TIMES IN OVERDRAFT FEES. LOWES DID NOT PRESENT THE {$25.00} CHECK TO US BANK FOR PAYMENT. TO DATE AS I ADVISED US BANK NO PERSON OR COMPANY HAS EVER CONTACTED ME REGARDING AN NSF CHECK. ADDITIONALLY I HAVE COPY OF THE ORIGINAL {$10.00} CHECK AND IT HAS NEITHER A STAMP NOR INDICATION UPON IT AS RETURNED NSF TO XXXX. US BANK IS AND WAS AWARE OF XXXX ERROR IN DEPOSITING THE CHECK. AS WEL US BANK EMAILED ME A STATEMENT DOCUMENTING IF LOWES REFUNDED THE {$10.00} TO ME ALL OVERDRAFT FEES LEVIED WOULD BE RETURNED TO MY ACCOUNT. YET TO DATE US BANK HAS REFUSED TO RETURN ANY OF THE OVERDRAFT FEES BACK INTO MY ACCOUNT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I got a call this morning from a Nationstar representative calling in regards to a letter I sent two weeks ago requesting : 1 ) payments to be applied, 2 ) my dedicated loan specialist to contact me, and 3 ) info I have been requesting but have not received. The representative told me my account was proceeding with foreclosure. I asked her : 1 ) why my dedicated representative has not contacted me, 2 ) or sent me info, and 3 ) refused to provide me with an email. She said it was their preference not to provide it. I have not been able to reach her by telephone and my voicemail requests have not been answered. I should be able to request info by email and they can send it to me securely. 

I let the representative know that on multiple occasions funds I had submitted were misapplied or not applied since last XXXX and to current. I have proven that multiple times. This is another example of Nationstar calling me with no account detail and history. My account discrepancies should have easily been resolved. It should not be in foreclosure status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Citibank HELOC team informed me that they would correct my late payments once my account was up to date. The representatives were trying to help me modify my HELOC. The process did not work and I ended up paying every penny back on my own. It 's been a while and I am trying to buy a home, my mortgage broker told me this account is holding me up. Can someone help me? Please.

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 04/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been trying to renew my income driven repayment plan. I have sent the information in by mail twice and also directly uploaded the required forms t o FedLoan 's webs ite. The only response was a form email telling me I was missing information, but I have no idea what that info could be! I also emailed them, as instructed, to suspend my direct debit payment since without th e IDR my p ayments are more than I can afford. I did n't get a response fo r four days at wh ich time the response told me I was too late to postpone but it was only late because they did n't answer me for so long!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: This company does not care about its loan Borrowers. Their website is terrible you can not sign in I called them to resolve it and I still ca n't sign in. I do n't even have public loan forgiveness anymore so I should be transferred elsewhere and they could n't be bothered either way. I believe I received incorrect information from the customer service. And I am incurrening interest while trying to pay these bills down due to the negligence. I also use their email to contact them to complain and never received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Debt collection (Credit card) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Fifth Third 's credit card division is saying I did not pay the settlement agreement that was agreed upon over 5 years ago. That was paid by a check over the phone and all I received was a letter saying that out of x amount of dollars, I owe {$500.00}, which was paid. I never received a statement saying it was paid in full, the person I was communicating with from 5/3 said that is what they issue. Unless I can find a bank statement from 5 years ago with the charge, they are threatening to take me to court and freeze all my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Settlement process and costs

Complaint: I requested my mortgage payoff amount on XXXX/XXXX/XXXX and was told that I should receive payoff amount in 3-5 days. I called again on XXXX/XXXX/XXXX and was told that the payoff quote has not been generated and that a request was put in on XXXX/XXXX/XXXX. I called the bank again on XXXX XXXX, XXXX. They told me that my payoff quote was mailed out on XXXX XXXX, XXXX, and I should receive payoff quote on XXXX XXXX or XXXX XXXX. As of today 's date, XXXX XXXX, XXXX, it has not been received. I asked for payoff quote to be verbally given over the phone and was denied the request.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Midwest Recovery Systems (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went to check my credit score on XXXX XXXX ( as I do several times a month ), and I noticed a significant dip in my credit score from one of the reporting agencies ( nearly XXXX points ). After digging through my reported items, I noticed my score dropped because of a newly reported collection account from Midwest Recovery Systems. The account stated that I owed {$690.00} and that the account was opened XXXX XXXX 2016. The collection account was reported to the credit reporting agencies on XXXX XXXX, 2016. I never received a written statement saying a debt was owed, and I have n't received any phone calls from this collection agency. Also, I have no record of any debt owed to the company listed as the original creditor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Have not received correct information

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I was served by Midland Funding LLC. The person who Midland sent to give me my debt claim citation presented himself as an XXXX County Deputy officer. When I asked for his officer batch, he refused to show me his batch.

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 05-06-2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: APR or interest rate

Complaint: I accepted a short term offer around XXXX to use my existing Visa card, with a balance of only XXXX dollars, up through XXXX time with no interest charges for six months. I charged XXXX during the period. Then I made quadruple the minimum monthly payment until I paid the balance off last month. They did n't charge me interest labeled as interest per se : they charged me a {$1.00} FEE per month labeled " minimum interest charge ''. In my dictionary " no interest '' means no fees, by any name, for the use of money.

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 05/19/2017 about Debt collection (Medical debt) with CBC Credit Services, Inc. (MI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: On Friday XXXX XXXX 2017 I received a letter dated XX/XX/17 from CBC Credit Services Inc Which stated that they new where I worked, and made some assumptions about my means to pay. The letter closes with a very thinly veiled threat about how this company will proceed. Fair Debt Collection ActAs amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) 807 section 4

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had contacted all the collections on my credit score. None of them could provide any proof that they had saying it was my debt. I asked them to remove the debts and they stated they couldnt do so. I called them about 2 months ago and I had been told to reach out to you guys and get the items removed.

Company response to consumer: Closed with explanation