milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2018 about Debt collection (Other debt) with Ballybunion Enterprises, Inc (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: I was sued by the original creditor XXXX XXXX in the state of VA. It took a while but the lawsuit was removed from my credit report. The account was also removed, but they keep putting it back on. It has been removed from XXXX as of now but is still reporting on the other sites. I would like them to remove the accounts and have the lawsuit removed from my record.

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 03/14/2016 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America was servicing my mortgage up until XX/XX/2014. Bank of America made it blatantly clear that I would have a new mortgage company which is XXXX XXXX, effective XX/XX/2014. I have received to correspondences from XXXX XXXX, XXXX from the office of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. According to the court documents they are representing Bank of America in a foreclosure on my property? I am confused ... because all of my monthly statements are with XXXX XXXX ... looking at the court documents ... I see that XXXX XXXX is not with current events because XXXX is still listed along with other items that should not be listed ... the mere fact that these items are listed I am wondering why XXXX XXXX who claims to be representing Bank of America is harassing me. I am in the process of deeding my property back to bank ... .that bank is XXXX XXXX XXXX If you review the responses and history you will see where Bank of America disassociated themselves from the issues I had with them when they transferred the property to XXXX 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 01/30/2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (GA).
Issue: Taking out the loan or lease

Complaint: I applied to receive a loan from Big Picture Loans.com XX/XX/2017. The loan was approved for {$550.00} and the funds were deposited in my bank account on XX/XX/2017.The agent stated if the loan payment is made 3-4 days prior to the due date, no finance charges would apply. I contacted the company on XX/XX/2017 to repay the full loan amount of {$550.00}. At this time the agent stated it could not be done due to the over {$200.00} finance fees. I requestd to speak to a supervisor and was transferred to XXXX # XXXX who stated I needed to cancel the loan within 2 days or repay the loan by XX/XX/2017. The loan agreement does not state to pay by XX/XX/2017 in order to avoid finance fees. I only used this {$550.00} less than 30 days and impossible to cancel within a 2 day period when that option was not clarified. Plus the effective date of XX/XX/2017 was for funds could be received prior to this date has nothing to do with repayment by XXXX. Had I had been thoroughly made aware of BiqPictureloans, com interpretation of the loan agreement versus what I understood it to mean, I would not have accepted this loan of {$550.00}. I believe this company is deceitful and predatory. I want to repay the loan amount I received and nothing more on XX/XX/2017 and have the loan closed out. I want to report this company to your department that is attaching a 559 % annual to their loans. Please forbid this company from doing business in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Mortgage (FHA mortgage) with FIRST CALIFORNIA MORTGAGE CO., INC. (CA).
Issue: Trouble during payment process

Complaint: I applied for a mortgage loan with First Cal mortgage phone # XXXX was approved the escrow went through and we moved in and my first payment was due XX/XX/XXXX, ,I received a letter XX/XX/XXXX ( dated XX/XX/XXXX ) that a new servicer XXXX/XXXX  XXXX will be accepting my payments so I called the provided phone numbers from each company and verified that I have to make the payment to new company with a new loan number, XX/XX/XXXX I made my first payment with a check draft out of my checking account, on XX/XX/XXXX I received a statement from First Cal demanding payment for XX/XX/XXXX and XX/XX/XXXX so I called them to verify and they said it 's probably a clerical mistake I asked them please to correct their statement and this is causing a great deal of XXXX for me and my family the lady on the phone promised it wo n't happen again,, on XX/XX/XXXX late in the afternoon I had a message left on my voice mail from First Cal collection department which I tried to call back but because of Hollidays could not get hold of no one this has turned into a nightmare, I have followed instructions from First Cal whom to make my  payments to and now they are demanding payments again I need some help please.

Company response to consumer: Untimely response
Consumer complaint received 05/20/2015 about Consumer Loan (Installment loan) with CURO Intermediate Holdings (CA).
Issue: Problems when you are unable to pay

Complaint: The company is called Speedycash. It is a pay day loan service, but they also have gaming consoles, and electronics such as laptops and tablets. Having had an old computer I decided to get a laptop though them since it seemed an easy process to do. To sum it up. I got the laptop. Payments are automatically ( required ) to be taken out on your paydays per their stipulations. My pay days were every other Tuesday, so they debited the XXXX dollars out of my account every other Tuesday. The problems started when I changed jobs. With the new job, my pay days are every other Friday instead of Tuesday. They kept taking my money out of my account every other Tuesday like those were still my pay days, which caused my account to be over drawn twice. I called them and told them this. They said they would make the changes in my account of my new pay days so the payments would go through on the correct days. The changes did n't happen and my account was overdrawn again. I called them again and told them this, which because of all this caused me to be behind XXXX payments to them because they were drawing the money out on the wrong days. I called them and told them the problem yet again. Spoke to two different representatives and set up a payment arrangement to be taken out of my account to catch me up the following Friday. The following day another major problem happened. I called again to ask another question about my account and when I verified my information ( my name and ssn ) they said that the info I gave them did n't match what was on file. ( mind you I had just spoken with and verified my information with two different customer service reps the day before ). Frustrated, I was told I had to call one of the local Speedycash stores and give them my information again and the customer service rep at the store had to the call customer service center and give them my information. This did n't make sense to have that level of incompetency happen that fast with my personal information. Once that was cleared up just in the last few weeks and the day of this writing they have been ( attempting ) to take money out of my account on days when I have n't authorized. The day of this writing, XXXX dollars was taken which caused my account to be overdrawn again and the same amount was tried last Friday, which caused me to be late on my car payment. The only thing I am left to do is to change the account # on my account information that they have so they wont be able to just go in my account Something needs to be down about this company and their shady business practices. They have lied to me when I have called and asked about how and when my payments go though my account, saying that its all up to a computer system and that they have no control over it. I was even told that payment arrangements are n't always honored because of this so called system. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. ().
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XXXX, I took a {$55000.00} private student loan from Sallie Mae for financing my second year XXXX at XXXX XXXX. I started repaying this loan amount post graduation ( i started repaying in early XXXX ). Aside from capitalized interest ( {$5000.00} ) added to my principal amount, an amount of {$1800.00} was also added to the principal as repayment fee on XXXX XXXX XXXX. I have called and asked about the fee and have been told that its in my contract. This fee was neither disclosed during loan discussions or disbursement process and adds and extra burden during repayment. Can you please help figure out how this addition to the principal is allowed, even in a private loan? This looks like an underhanded approach to add interest income indirectly for the issuer and directly from this amount added to principal at time repayment begins. After repeated efforts the servicer now ( XXXX ) can not even provide documents showing this fees was part of the loan. 
Thanks, XXXX XXXX Sallie Mae A/C No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had XXXX at the XXXX. it is XXXX per XXXX UNLESS you opt for the lifetime assurance, I did that, the bill then was XXXX. I have no paper work and no one will provide me any either. REGARDLESS, they breached the contract a year later when they neglected to see me. I tried explaining this to care credit that owned the debt but they sued, used XXXX and their attorney that told me it did not matter that the debt wasnt valid, the judge would believe them, and i could claim head of household and they wouldnt collect due due that status but to be clear the judge would side in their favor anyway. I was scared and I signed the paper. Now XXXX attorneys are trying to garnish me for this debt I dont owe. XXXX XXXX at the XXXX said I dont owe the debt and that I couldnt use the lifetime, she stated she would call XXXX. I also did a XXXX complaint and in that they replied the debt had been sold, they know nothing about any payments and if i wanted I could come back anytime. this is totally contradicting the information that took me numerous calls and a solid week to collect -- I do not want to do this it has been since 2005 when I had this done. I would never trust them to do anything to my XXXX. I believe the statement was false to make it seem on the XXXX that they were accommodating. The main point is they breached the contract and I just want to be held accountable to the once and done pricing of XXXX a XXXX which i believe is fair to all parties and was paid the XXXX year. After they failed to honor the contract, I defaulted after that because the company always made excuses to " return my calls '' " computers down '' and answering machine messages were my only contact options -- at that time they told me I had to see them for the lifetime yet they made NO attempts to allow me to see them.Someone needs to contact XXXX and XXXX and tell them they purchased a fraudulent debt and are pursuing a single mom head of household supporting my son person. someone should then investigate the XXXX for their shady practices. I should not own this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Portfolio Recovery Services continues to report an erroneous tradeline on my credit reports and they additionally attempt to try to collect on it, clearly in violation of the law since they refuse to validate the debt despite my numerous attempts to get them to do so. My most recent attempts were XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have made several attempts to get Transunion to change my Tax Lien.. They were sent a notice to vacate. Please help me on this as well as the XXXX Lien is pad. Thank you and I will attache. The paper work. Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2016 about Student loan (Non-federal student loan) with AES/PHEAA (NH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My mother has been paying this loan we took out together for about 8 years now. I am unable to pay anything towards it at this time and paid very little in the past so honestly I have not paid much attention to it and her payments until recently. The original amount borrowed was XXXX. The school told us it was the best loan, cheapest and easiest to deal with. We have had no prior loan experience. And none of my other siblings attended college so we were completely new and in the dark about it and used the school financial adviser for our information. They told me, at just XXXX yrs old and very naive, and my mother, who just lost her younger sister in a XXXX, that I was eligible for financial aid but had missed the deadline so I could apply the following year when application opened again and they would cover most of if not the full loan. So we trusted them and jumped in. Well that was all untrue. I signed up for the financial aid immediately after I graduated and was told that was not allowed bc I had to sign up BEFORE I went to school not after ... So back to today, My mom recently showed me a bill which shows we 've paid about {$27000.00} at this point but the balance is still just over {$50000.00} ( Come down only about {$4000.00} ). We are in over our heads and the loan company has not been helpful with options. They gave us our XXXX allowed forbearance early on and had us pay just interest at XXXX point for a year or two as well if I remember right ( I can get all this exact info later if needed ) but otherwise it seems we 've exhausted all our option and now my mother is about to move out and wo n't be able to afford the bill so she wants me to pay it and with my own children to care for ( including tuition for XXXX ) and a high rent for our home plus car payments etc there 's no way I can do this. I am so worried about my kids and I ending up on the streets over this and my older son having to leave his school and really need some help getting some of the {$27000.00} paid towards the loan itself and not whoevers pocket its going into, or getting the loan lowered and affordable. Also the school president at the time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX MA was apparently stealing money at the time I went to school and I ca n't help but wonder if he paid of the financial aid woman to lie to us incoming students about getting financial aid just to get us to get loans to pay him : ( Please help if you can. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: On late XX/XX/XXXX we brought a {$690000.00} check after we sold our residential house, to TD bank for XXXX, where I have checking account, the XXXX direct us to talk to their so called investment personnel, she persuade us to put money in Annuity, she claimed interest rate is high in Annuity, we told her we need money soon to purchase a house, right now we are renting, she said we can close account when we need it and get prorated, now we want to purchase a house and need down payment, we instructed her XXXX weeks ago to sell all my annuity which was {$500000.00} and deposit back to my account, then we realized she only could closed XXXX account {$300000.00}, and also found out the other {$200000.00} she open a XXXX years term XXXX, which can not close prematurely, there is penalty of {$17000.00}, to avoid penalty we have to wait XXXX years, XXXX tried to block me from contacting Delaware XXXX she suggested we need money we can get mortgage or home equity, we were shocked to find out after we contacted XXXX that the interest is XXXX % only and XXXX said her TD bank can give us mortgage, and leave Annuity open for XXXX years, everybody know mortgage is now XXXX % more, but after we complain to Better Business Bureau that she never showed us the annuity policy, just gave us paper to sign, if we saw the policy, we wo n't agree to put the money to a account that we can not close until XXXX years later, TD bank stated there was miscommunication, it was not miscommunication, we signed the paper of annuity because we trusted her, we never imagined she lied and cheated to benefit herself for bonus, and TD Bank showed us the copies of what we sign, and found out she made up story of how we do n't need money in 5 years and we want a higher yield then checking account and so on, even go further to make story up that we sold rental house and do n't need any money, so she decided XXXX is very suitable for us, TD bank has no sincere to solve the problem, just insisted that we signed papers so no more argument, we all know customers usually do n't read every single line just trust whatever seller said, or signed at whatever paper seller want to show

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have been dealing with Equifax for over 2 months about 4 accounts that is on my credit report. XXXX has agreed to delete the account off of my credit report. I have sent 2 letters from XXXX and they still have not deleted the accounts off of my credit report. The only thing they have done is restart the investigation, If I have proper documentation from the company agreeing to delete the account then that is what Equifax is suppose to do. They have restarted the investigation under the terms of validating the account, which they are n't suppose to do because I was n't asking for a validation, it strictly for the agreement that XXXX and myself came to, which is to DELETE off of my credit report. They have BOTH letters on file and they still refuse to delete off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I previously disputed a creditors account with Transunion. I was first alerted to this delinquent account from " XXXX XXXX '' when I received an email from a credit monitoring service i subscribe to called XXXX XXXX, they alert you to any changes on your credit report. I immediately called on XXXX/XXXX/2016 the creditor " XXXX XXXX '' and asked for an explanation as to why this account was on my report, they could not give me any reason. I then asked for the information verifying the debt to be sent to me and to and to this date have received nothing. Below is an except I have copied directly from the CFPB website. 
" If the debt collector does n't provide that information in the first contact with you, it is required to send you a written notice including that information within five days after contacting you '' To reiterate I have not received any information from this company. Transunion states they verified the debt which I find highly impossible considering I was never sent information backing this claim. Please delete the account " XXXX '' from my credit report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My home is currently in active foreclosure, I fell behind 2 years ago XX/XX/2013 due to loss of income from employment. I have now submitted over 10 applications requesting assistance with modification of my loan and I always receive the same response " incomplete application '' I 've made contact over the phone with there representatives and never receive the assistance that I need I 'm always been told of additional info that is needed and when I send it and follow up on it. I get told by someone else a different story, the biggest problem is not having a point of contact to be able to assist me with what info is needed and receiving a follow up or confirmation that all is in process. I want nothing more than to be able to save my home for my family and I. But I save been dealing with this for almost 2 years and not getting anywhere I feel that my Mortgage company continues to give me the run around to eventually evict me. I ask that you please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Other

Complaint: I received a XXXX Cancelation of debt for this account. Please remove this account from my XXXX Credit Report as the retention time has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Customer service / Customer relations

Complaint: I inadvertently overpaid my Chase Freedom credit card by {$5000.00} and change. I contact the credit card company, they were going to issue a refund. I called back, and was told no refund had been issue and it was over $ XXXX so they could not. I asked for a supervisor, was told a refund had been issue but they did not know where it was. I asked for an escalation and was told I would receive a phone call in 3 to 7 business days which I never got. I have been trying to deal with them by phone and or secure message, have been told repeatedly I was getting a call never did. Today I did receive a call and a voicemail message, so after over a month they are apparently sending the refund. The way this was handled and the flippant way they said we regret any inconvenience was absolutely disgusting. I lost over a months worth of interest on the money I had to wait for to be return, which I still do not have, they had no regard for the fact that perhaps I needed that money.

Company response to consumer: Closed with explanation