milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Settlement process and costs

Complaint: My husband and I were facing foreclosure back in 2005 for property located at XXXX XXXX XXXX in XXXX, Texas. We had a mortgage insurance policy in place at the time. We approached the mortgage company, XXXX, regarding a short sale to prevent the forclosure process. XXXX told us that we could " only sale the property if we signed a promissory note to pay back the insurance company '', XXXX XXXX XXXX We sold the home and are currently paying back a non-collateral promissory in the amount of {$20000.00}. We recently discovered that this practice was inappropriate/and illegal for both mortgage and insurance companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone opened up a XXXX card in my name and I am being held reliable for this. I have disputed this identity theft numerous times and the credit reporting agencys just keep updating my report. I have made phone calls ... .written letters ... etc.

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 08-10-2016 about Debt collection (I do not know) with ROC Asset Solutions, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: There is a debt collector calling me and my children for something my ex-husband owes. The are constantly calling and trying to get information I do n't have nor would I share if I did. The are scaring my children stating the have warrants or his arrest. I asked them today to stop calling and the man told me he would now start calling all the family again. Their number is XXXX, we have saved all the messages, they are giving out personal information. They are looking for a XXXX XXXX, he is my children 's father and my ex, this needs to stop. They made fun of me today for saying that we are saving all the messages, the man said " oh like a collage, how cute ''. I do n't know how to stop them, I block them and they call from a different number.

Company response to consumer: Untimely response
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security breach exposed my personal information which I never authorized Equifax to possess and will cause me unrequested hardships in the future as I will need to be cognizant of potential misuse of my information for tens of years into the future.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: Regional Acceptance Corporation effected a predatory loan against me, charging me both 18 % Interest as well as Compound Interest. I requested assistance with my XXXX Payment when my pay was affected by my reportage of VA Violations to Congress in XX/XX/XXXX. My original loan was eliminated and I was charged XXXX per month. In lieu of working with me they used my good faith against me to charge me more, when I made a legal good faith payment as I could not afford to continue with the XXXX Payment .XXXX XXXX of the Regional Acceptance Corporation office in XXXX Texas CLOSED my XXXX account, disabling my ability to pay, reported my account as 'Charged Off '' on My Credit Report. When I complained to the State BB & T their general insurer Responded in a Letter and via the internet stating that they would NOT refinance me nor would they repossess my vehicle. Unable to live with this situation I returned the vehicle in a Voluntary Repossession XX/XX/XXXX In XXXX Texas. 
I desire that all record of this company and their " debt '' be deleted from my credit report. 
I also want to seek damages via their General Insurance Provider, But BB & T refuses to give me a copy of their General Insurance certificate as of this writing.

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I sent in letters to all three credit bureaus to have the bankruptcy taken off my report because its causing me a world of trouble. As of today XXXX took the bankruptcy off my report but equifax and XXXX will not follow suit. This should not be reporting my my credit report because they cant verify the information. I want this deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have had XXXX service for the last XXXX years. I had an account at a previous address that was current and active, and I transferred my service to a different address when we moved. I was then told I had a previous balance from a different address of {$66.00}. You are unable to get any service at a new address with a previous balance, which means there should have been no balance as I already had an account. I never received notification of any debt or my right to dispute the debt although they had my current address. I am disputing I owe anything to XXXX, as I still have their service currently.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (AE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been attempting to make payments to my private loans with Sallie Mae since XXXX/XXXX/XX/XX/XXXX and in each instance the payment I had submitted has been reversed, therefore incomplete. the total payment amounts have been amassing to ridiculous totals since no payments have been processed by Sallie Mae, and because of this, in XXXX XX/XX/XXXX I was forced into forbearance as this was the only solution they could offer me. Now, in XXXX XX/XX/XXXX I am STILL experiencing the same issue after many hours spent dealing with Sallie Mae customer service and reaching no solution. I do not wish to enter forbearance again, I simply wish to be able to make my payments in good faith as I have been trying to do so for quite some time. My interest continues to increase while Sallie Mae can not resolve the issue. Insufficient funds on the payment card is NOT the reason for this. I am a military wife living overseas with my husband and I can not afford to pay thousands of dollars towards my loans each month with building interest because Sallie Mae is unfit to handle and process my loans on time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Consumer Loan (Installment loan) with Avant Credit Corporation (SC).
Issue: Taking out the loan or lease

Complaint: I am a victim of identity theft dating back to XX/XX/XXXX, my wallet was lost, in it were my ID, and social card. This company name Avant Inc, Acct # XXXX .... out of XXXX, let someone get a fraudulent loan in my name for {$3300.00} in XX/XX/XXXX. I went to my local police when I saw it on my credit report. They told me since I could n't prove it happened in their jurisdiction, they could n't issue me a report, there was nothing they could do. They told me to contact the credit bureaus and have them take care of it. So thats what I did. I have disputed this information until I am blue in the face. The credit bureaus wo n't remove this account. 

XX/XX/XXXX I contacted Avant Inc directly by mail. I told them this was a fraudulent account, I asked them to send me copies of the loan agreement contract, so I can compare the signatures. As I know it would n't be mine. They never sent me anything. Of course they going say they did n't receive the letter. So I disputed the account again and it was n't removed. 

So XX/XX/XXXX, I wrote them again and again asked for them to send me copies of the loan agreement contract, so I can compare the signatures. Of course they going to say they did n't receive this letter either. I also spoke to a lawyer, that told me that once, I get the the loan agreement contract, do a notarized affidavit of forgery, and send back with the loan contract signature, and that would be enough proof to show I did n't take out a loan or sign the loan papers, and the company would remove the account from my credit report within 30 days. The lawyer said it was simple business contract law. The signatures do n't match, so the fraudulent contract would be invalid and I would be released from liability, because I did n't opened the account. 

Today is XX/XX/XXXX and Avant Inc, still has not replied to any of the letters and never sent me any loan agreement contract, with my signature. They have not sent me anything. 

How can this company, place a fraudulent account on my credit report? I requested documentation on 2 occasions, they will not send it. This is the 7th month since requesting copies of the loan agreement contract. 

They will not respond, because these documents do not exist. They try to take advantage of the little person, because they are a big multi national corporation. I want this account removed from my credit reports. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Debt collection (Medical debt) with R.M. Galicia, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After several phone calls and emails, I found that I was lied to by a staff member that told me to make a higher offer to settle my account. When I spoke with the manager, I was told that they do not accept pay offs and the only reduction I would see would be a couple hundred of dollars off the interest. I was told I needed to make a {$1000.00} deposit and then have payments of over $ 350/mo to pay off the balance. I am ( like most of their clients ) not able to pay {$350.00} a month after putting down such a huge deposit. I want to reasonable payments of $ 100-150/mo. This company does not respond to any emails, though they direct you to send emails to make offers and this company does not even accept offers for pay off, in other words, they run you around wasting your time whilst adding more interest every day. 

I sent this letter to XXXX : I am enclosing a payment of {$200.00} toward the balance on my account. I was informed ( incorrectly ) that you accept payoff offers, and made and offer of {$1800.00} ( the highest I can go is {$2200.00} as this balance will be moved to a credit card ) and that offer was declined XX/XX/2018. 

I will sending a copy of this letter to XXXX to let them know that I am attempting to resolve this issue by either making a payoff or setting up reasonable payments ( $ 100-150/mo ) in the attempts to settle this issue. I have also opened a case with XXXX since I believe that I was seriously mislead by one of the employees, and this can be confirmed by listening to the recording of the conversation. 
My intent is to settle this account, as my debt counselor advised me that having this account in collections is negatively effecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian is continuing to report outdated information on my credit reports which violates the FCRA. Accounts are over seven years old, or have been more than seven years since any activity. 
XXXX acct # XXXX no activity since XX/XX/XXXX XXXX account # XXXX car was voluntarily reposed in XX/XX/XXXX all of the above accounts are past the statute of limitations ( XXXX ), but experian has still not removed the items from my report and they continue to report as current delinquent accounts.

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 12-07-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: My vehicle, originally financed with Capital One Auto was traded to XXXX XXXX on XXXX XXXX, 2015. On XXXX XXXX, 2015 I contacted capital one to advise of this. My concern was that a payment was due on the XXXX ... .the rep advised me that she would note the account accordingly that the payoff would be received. There were problems with paperwork, dealer placed incorrect vin on contract so I had to resign. I contacted capital one to advise and express my concern with over XXXX and to advise of the reason for the delay. The rep advised me that if the payoff was n't received by the XXXX, they would correct the account once the payoff was received. I continued to check daily and there was an overage that was due to me as well. After the payoff posted on XXXX XXXX ... I contacted Capital one again. They submitted the dispute on my behalf and it was denied. I asked why and explained what I was previously advised when contacted. There was no concern. My account was never paid late during the two years I had the loan and I would like for the XXXX to be removed from my credit report. If that was n't the case, capital one should advise their agents to provide correct information to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Due to a recent ( successful ) credit card application, I received a notice that I could get a free credit report within 60 days. The notice gave a phone no. for Experian ( XXXX ) which I called. After answering the prompts on the phone tree, I got a message that said if I did n't have internet access, to stay on the line to get a report mailed to me. I waited and the message cycled through 3 times then said something like, " I 'm sorry you 're having trouble. Pls try again later. Goodbye. '' I called again and this time, pressed " XXXX '' at that same point, which was for people who wanted their free annual report. ( Since I was n't trying to get that, well, I did n't know if it was the same thing or not, I did n't go that direction on my first pass. ) So, from " XXXX '', I got a message that said to go to the website and, eventually, ended the call, similar to the first time. ( One of the options in the phone tree was for those who had received a negative response to a credit application. I did n't go that route because I had received a positive response. ) The bottom line is that Experian says they will mail you a copy of your credit report and that you can order it by phone but then, it does not let you do that. Now, I came over to a relative 's house to use the computer and went to Experian.com, where they list a 2nd number to call ( XXXX ). I did so and got the exact same phone tree and the exact same recordings that led nowhere. It was the same as the first time, I called and pressed " XXXX '' and waited there until they hung up on me, called back and pressed " XXXX '' until they, again, hung up on me. 
Luckily, for me, I have fairly reliable computer access, so it 's not a big deal but what does someone with no access to computers do? Experian 's phone response is all automated, so it 's impossible to actually talk to anyone and ask questions, get help, etc. Experian is not servicing our consumer community as it purports to nor is it servicing us as I understand it is obliged to by law. What do you think?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2015 about Debt collection (Payday loan) with TMX Finance LLC (NV).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Title Max has called me before XXXX on XXXX separate occasions. I spoke with them to let them know that they were not suppose to contact me before XXXX or after XXXX. But they still did it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: Chase has finally approved a Short Sales, offer on my home. they also will provide me with a $ XXXX relocation allowance ( $ XXXX is the maximum HAFFA will allow ). Now I owe the IRS some back taxes. The IRS want to take my $ XXXX moving allowance to satisfy my tax liability. 
But I need this $ XXXX to move rent a house, and secure employment, without it I become a homeless statistic. 
Please convince the IRS that I do not profit from this relocation allowance, and although it sounds like a lot, it really is not. Please convince the IRS, to allow me to keep this, and it is in there best interest, as once I am able to establish full-time employment, that I will at that point, will be able to set up a payment plan to repay, what I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Debt collection (I do not know) with Advanced Collection Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with Experian Information Solutions Inc. (AK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been trying to work with Experian to take off a debt can no longer be reported by Law. The length of time has passed. somehow, The date that has shown reported since, has changed. I provided a copy of a old credit report that shows the correct date. When I try to dispute with experian. they say they verify with the creditor. But they should just look at my evidence to show that the original creditor is not providing the correct information. I also saw that in just the previous month. It had been removed and then put back on with a later date to remain. This is very concerning because experian is the only one left that is having a problem removing this debt and not following the reporting law for length of time. I am including another copy of a previous credit report to PROVE that the dates are incorrect. Creditors should not be allowed to just change dates when ever they feel like it.

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 04/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: Bank of America, : I had a mortgage account of {$56000.00} established in XXXX. In the year XXXX I refinanced my mortgage with another bank in order to obtain some of my equity for medical reasons. During those XXXX years, I was late on paying my mortgage in XXXX instances : that was on XXXX XXXX. I paid a late fee to the bank the next time I paid my mortgage. I do not believe that XXXX episode need be labeled as a negative connotation. There service to me contained many withdraws negligently and without reason taken out of my account then " corrected '' and put back after my correcting the bank in their error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation