milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: 1 ) Navient has called me every day or multiple times per day for an extended period ( months? a year? ) 2 ) I do n't owe anything to Navient. I have no debt, and have never had any debt, serviced by Navient.
3 ) Navient 's calls are automated and I can not speak to anyone on them.
4 ) Attempting to call Navient back results in a " our office is closed '' message. This is seconds after I receive the call, which means they are autodialling me when they do n't even have the base decency of having staff on hand.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Consumer Loan (Installment loan) with Collection Services, Inc. (IN).
Issue: Managing the loan or lease

Complaint: I received a phone call from a " collection agency '' who claimed I still owed a debt to XXXX XXXX XXXX XXXX in excess of $ XXXX. That debt was dismissed in bankruptcy over 30 years ago and the credit union no longer exists. They wanted me to send some money to them and they would make the debt disappear. The phone number they use is XXXX XXXX XXXX. They had called several times a week or XXXX earlier This is an obvious scam. You have the expertise to look up their number, find out who and where they are, and do something about it. If you do not want to do anything about it, tell me who they are and where they are and I will handle it myself. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Hi, on XX/XX/17 I went to my bank JP Morgan Chase to withdraw cash, after I insert my debit card and enter my pin I was asked to provide ID, well I handed it to the teller, just after that she called her manager and they started asking me too many questions like my SSN where I live etc..I asked to get my ID back and they refused saying that I look suspicious to them, well I started getting nervous because they were speaking too loud that all customers looking at me as a Scammer ... after more than 10 years I was treated like a Thief..i never experience this kind of behavior in my entire life and hoping that your Involvement with make it the last for this Bank. Thank you for your collaboration. Sincerely. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Unsolicited issuance of credit card

Complaint: Bank of America ( aka Merrill Lynch ) hereinafter referred to as " the Bank '' issued to me a credit card years ago. ( Credit card ending in XXXX - last XXXX digits ). At all times the consumer credit relationship was well managed with timely payments at all times. XX/XX/2015 I abruptly terminated a Wealth Management Investment Account with Merrill Lynch for frivolous, unauthorized trading by my Merrill Lynch Financial Advisor. Shortly thereafter, without notice or my prior authorization, Bank of America/Merrill Lynch closed my consumer credit card ending in XXXX. Then, and again without consumer authorization or prior consent Bank of America unilaterally opened and assigned an unwanted new consumer checking account ending in XXXX, Without my authorization Bank of America allowed previously authorized automated payments from the XXXX account to flow to the XXXX account for which I had no prior knowledge that the account existed. To this day Bank of America has not communicated the issuance of this new account. I became aware of this unauthorized Bank of America credit card when a accoun statement appeared in the mail, and ; when when XXXX+ FICO score was impacted by a tri-bureau inquiry performed by Bank of America for opening of the unauthorized account. 
This maneuver has the appearance of unethical business practices by Bank of America in direct retaliation to the terminated Merrill Lynch Investment Account for the unauthorized and frivolous trading conducted by the Merrill Lynch Financial Advisor which was ultimately investigated by XXXX and resulted in consumer restitution.

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 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX & XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XXXX Creditor Name : XXXXXXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed all these accounts with all three credit bureaus. 

Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these credit items several times with each bureau.

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 01-10-2017 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Problems when you are unable to pay

Complaint: My husband and I got XXXX car leases from American Honda finance corporation they did a trade-in for my XXXX XXXX XXXX and they gave us XXXX XXXX XXXX XXXX then a couple of months later they turned it into an auto loan what they did is they had me co-sign for my husbands & my husband cosign for mine. They knew what they were doing because they manipulated the paperwork. I went to the Honda dealership in XXXX CA. I just got a letter from a lawyer 's office stating that they were having some type of lawsuit due to the fact they would hive higher APR 's for minorities XXXX XXXX ( my race ) XXXX and XXXX than XXXX people. The cars were later repoed voluntarily. I want this removed from my credit report because if they crooks & gave people higher APR 's I should n't be responsible for what they did, & to put me & others in a financial bind I am looking into talking into a lawyer or I would love for you guys to take this case. Please get original paperwork. Also they denied me to get my belongings out of XXXX of the cars because it was repoed. They told me I must pay before I can retrieve any items.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: i submitted a shortsale package to ocwen on XXXX, this was prepared by a lawyer and absolutely flawless, it included all the documents and forms the lender department of justice required to be reviewed for a hafa shortsale. after probably XXXX hours of utter mystery ocwen today send me a letter telling me that we do not have enough time to do a shortsale. is this a joke i say. they as in ocwen use a 3rd party XXXX to list my property at auction at a price that was over XXXX of my home my house is worth about XXXX and in horrible condition bottom line unlivable, but i manage in my slum. how can they do this when they listed it for over 60 days on this auction. i was told the foreclosure would be on hold during and after this XXXX time period the auction completed and there were no offers, not urprising. this is absurd how this is happening. i live in my house i am a veteran and i am getting frclosed on when i have been trying to get a shortsale approved since XXXX. this is unfair and i am contemplating legal counsel to contact ocwens legal department. i should not foreclose and ocwen should be more attentive to their investors files. please help my foreclosure is XXXX ocwen is XXXX and in another XXXX XXXX country for crying out loud. can you have an XXXX that i can understand contact me please. no offense XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (IL).
Issue: Trouble during payment process

Complaint: We have an  Equity line of Credit with PNC. The first 10 years were interest only and then reverted to a principal and interest payment plus a percentage. We have tried since the beginning of this mess to get answers from PNC and ha ve never received anything but promises that we will be receiving something. In  XXXX  of   XXXX   our letter of written request was approved by  PNC 's i n house counsel  XXXX   XXXX . As of today we have not received anything in writing to our questions. We have contacted  PNC by   phone, we have sent registered letters and still silence. We did modify the loan into a 15 year fixed principal and interest payment but we are not clear the amount that was modified is correct. All we want is our questions answered.

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 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: It is showing on my credit reports that Ally Financial did a hard inquiry on XX/XX/17. An inquiry letter was sent to the company to provide explanation for the hard inquiry. Ally Financial responded by stating that my credit was pulled on behalf of XXXX of XXXX. I have never visited XXXX of XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received or been offered any services or financing from XXXX of 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 04/18/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: X/XX/XX  - Submitted a request to Myloancare.com to remove my PMI as soon as the payment I just mailed arrived. The check would put me over the 20 % equity in the house, I have consistently paid on time, since I 've purchased the house. And it 's been longer than 5 years since I owned the house, as a principal single household residence.     On  X/X/XX   XXXX  XXXX  XXXX  responded with, " Our records indicate that your loan was originated on  XX/XX/XXXX . In order for your mortgage insurance to be removed you will have to pay ( MIP ) for at least 5 years and the LTV will have to reach 78 % on a 30 year FHA funded loan per the FHA guidelines. FHA does not allow appraisals or additional principal payments to remove MIP early on 30 year FHA loans. At this time, your loan has not met these requirements '' On  XXXX , I responded w/ the Homeowner 's Protection Act and how I have met all the qualifications needed to cancel the PMI. I sent them the link and specific quotations to verify my request. Their auto response suggest giving the m 5  business days ... .. X/XX  and  XXXX  I have followed up replying to the e-mail chain, requesting that the PMI be cancelled and submitting the backup and ticket number provided with the original request. Today,  X/XX/XX , is the end of the 6th business day since my last request and in my last message, I had let them know that my next step is contacting the  Consumer Protection Agency of the issue.

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 01-11-2018 about Debt collection (Medical debt) with Experian Information Solutions Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Experian never responded to my letter in regards to a medical debt that they claimed i owed. I do not owe any medical debt from XXXX XXXX. I sent a written letter asking them to validate on XX/XX/2017 and verify that the medical debt was mine and recieved no response.

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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: On XX/XX/XXXX, I initiated a dispute with Experian regarding 4 XXXX accounts. I explained that these accounts were Fraudulent Accounts. I later called Experian back after reviewing several copies of my Experian report and informed them that not only are these accounts Fraudulent, they are changing the charge off date and re-aging the pay history which in turn causes great damage to my credit score and resets the Statue of Limitations. This was information that I wanted Experian to be aware of but instead they closed my dispute of these accounts being Fraudulent Accounts and changed it without first informing me that this will happen and second without my right to decide how I wanted these accounts disputed. OnXX/XX/XXXX, I received a dispute results letter indicating that XXXX updated information ; however, nothing has changed on these 4 accounts. I contacted Experian several times on yesterday. One representative told me that my complaint with CFPB has been closed because my documents do not show anything and XXXX can change the charge off date if they choose. One representative told me that the dispute with XXXX is closed and it will take 30 days for the database to change anything on my report due to the XXXX Breach and Experian being overloaded with paperwork. One representative told me that my dispute onXX/XX/XXXX should have not been changed without my permission but it was. One representative told me that the dispute results I received was computer generated and no one has control over what letter is printed all they have control over is the name on the letter. I was also told that Experian is not required to validate anything ; They just wait for the creditor to tell them yes or no to the disputes and whatever it is they take the word of the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Debt collection (Medical debt) with Amsher Collection Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: AMSHER COLLECTION SERVICES ; DATE ASSIGNED : X/X/2013 ; ORIGINAL AMOUNT OWED : {$190.00} ; AMOUNT NOW OWED : {$180.00}. This is showing up on my credit report as a collections issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (NC).
Issue: Settlement process and costs

Complaint: I recently refinanced my house ( paperwork signed XXXX XXXX, 2016 ). Last week beginning XXXX XXXX, I checked my mortgage balance with the old mortgage lender ( Branch Bank & Trust ) to verify that the old mortgage balance had gone to XXXX. It had not. I contacted the new mortgage company, XXXX XXXX XXXX to verify the transaction. They provided me with a document that showed that XXXX XXXX XXXX had transferred, through XXXX {$270000.00} to BB & T on XXXX XXXX, 2016. I have called the mortgage lending group of BB & T almost every day since then to check on the status of the wire transfer. I have called all of the parties involved XXXX XXXX XXXX, XXXX, XXXX, and BB & T multiple times and am unable to get a clear answer on exactly what happened to the {$270000.00} ). The money seemed to have disappeared : XXXX claims they have records of the transfer and BB & T seems to have no records of the transfer. And I seem to be on the hook for two mortgage payments now.

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 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I attempted to start cell phone service with  XXXX   XXXX   XXXX  but cancelled withing the 14 day return period. The agent failed to document the return correctly and a bill was charged to me for {$740.00} in error. I received a call from a credit collection agency in an effort to collect what they though I owed. I got the necessary documents from  XXXX   XXXX   XXXX  and submitted a receipt and letter explaining the error. Now we are receiving calls again from another collections agency after  one yea r from original issue. I explained the situation to them but they will not except my explaination and is continuing their collection efforts which is calling several times a day and hanging up. They are also leaving messages with my employees stating that the company owes a debt that it does n't. The company harrasing now is RPM, under the names of  XXXX   XXXX  and  XXXX   XXXX  (  XXXX  ) Fax  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 06-07-2016 about Debt collection (I do not know) with URS Holding, LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Called my job phone instead of my personal number. I do not know how they got the information but the contact number was never given to them. It is for some debt that I do not know anything about as well. They are using information that was not given to them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Deposits and withdrawals

Complaint: I am in currently going thru divorce proceedings and living at a new address, a change of address was filed with the US Postal service as well as the company,. A retroactive check was sent to me by my company but they sent it to the wrong address. My estranged wife received the check which was made out to me, signed HER name and deposited it into her account ( at XXXX Bank ), which is NOT a joint account. When question why, i was informed that its their policey to accept and process third party checks as long as no complaints were put in, as long as it was under a certain value. I went back to my company and filed a fraud complaint. They in turn filed a fraud complaint with their banking institute ( Bank of America ) and the claim was denied be cause the claim I benifited from her cashing of this check. I am still trying to speak with the analysis who determined that I benifited from her fraud.

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 10/19/2017 about Debt collection (Credit card debt) with Advanced Call Center Technologies, LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling me, I do n't owe any money to them

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (FHA mortgage) with GUILD MORTGAGE COMPANY (CA).
Issue: Settlement process and costs

Complaint: I am concerned and would like to bring this to light. I applied for a home loan with Guild Mortgage, XXXX XXXX branch. The Loan Officer was XXXX XXXX, who is also the branch Manager. What concerns me is I never met with him. I met with his assistants, XXXX and XXXX. They reviewed my documents, went over a loan scenario with me, quoted me interest rates, my payment, down payment, etc. I asked when I would be meeting with XXXX since his name was on all of the douments I was signing, and was told he was not available but they were his assistants and they could help me. I asked XXXX why her name wasnt on the forms she said she was not a licensed loan officer and XXXX was the licensed loan officer of record. I asked if XXXX was licensed since she was the person explaining all the forms I was signing. She also said she was not and didnt need to be. That made me feel very uncomfortable. I had XXXX unlicensaed people explaining all the legalities of my loan to me, yet the actual licenseed " professional '' was no where to be found. I would like to know if this is normal practice?

Company response to consumer: Closed with explanation