milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2015 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (MN).
Issue: Managing the loan or lease

Complaint: I leased a vehicle in XXXX 2014 from XXXX. The current fair market value of my lease is less than the residual value of my automobile as listed on the lease. There is still 26 months left on the lease. The residual value of the vehicle as documented on the lease appears to be inaccurate based upon current XXXX by XXXX XXXX XXXX and other requested trade in values. The inaccurate and misleading information regarding the residual value has left me with a vehicle that is worth less after 14 months than it was advertised to be worth after 39 months.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a checking/debit account on friday, XX/XX/XXXX. I deposited my paycheck of {$270.00}. I was told the funds would be available XXXX on the XX/XX/XXXX, the next business day. The mobile app gave the same info. On the morning of the XX/XX/XXXX, my balance still showed {$0.00}. I went to the branch. The first represantitives answer was basically, 'if you do n't like it close the account. ' VERY helpful. The second rep I spoke with was the woman who I opened the account with. She now informs me there 's a 1 week hold on all my funds. She tells me this is normal procedure. That 's not what she told me the day before. Now according to their app, my check was cleared and the funds made available and instantly froze my account for 7 days. Now I have no money, have no paycheck, and am left with the burden of traveling to work for a week with no money, food or gas. Their underhanded tactics and lies are going to cost me my job.

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 04-05-2017 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Currently, I am XXXX in the military and my place of residence has been foreclosed on. As a result, I have obtained a military stay, however the associated lender and mortgage company has not respected the court and violated Fair Debt Collection Practices. 

Caliber Home Loans and XXXX as Trustee for XXXX XXXX have violated Fair Debt Collection Practices. They have sent people to my place of residences to to question my family and roommates. They sent a vendor by the name of XXXX ( XXXX ) to harass my wife and threatened to evict her if she did not sign a document. My wife asked that he would not return to the premises and he came back to harass her on XX/XX/2017 at XXXX. XXXX called her and threatned her to evict again on XX/XX/2017. She and XXXX argued for over an hour. She sent XXXX a copy of her lease via email and he continued to harass the other tenants and scared them into signing the documents. As a result the other tenants moved and left my wife and I stuck with all the utility bills. 
On another occasion, these XXXX companies have sent someone by the name of XXXX on XX/XX/2017 at XXXX to question the contractors that were mowing the lawn at my place of residence. The contractors informed me of the questions that were asked of them. 

I have documentation of the emails, letters and court notices that were received by XXXX and Caliber Home Loans. They have violated a number of times. 
I understand that each time constitutes {$1000.00}. I would like them to pay me for each violation. If they do not want to respect my family then I will take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I vist www.annualcreditreport.com I put my info in and it time me out when I went back to get my free credit report it said i already recived my 1 free credit report and I tried to put it timed out with out giving it to me!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/18/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I tried to get my Credit Report and score via Experiam.com and was not able to do so online. 
I received a email from Experian with a phone number to call instead to get get my Credit Report and score. 
When I called the number XXXX the level of disrespect, professionalism i received was unbelievable. Never in my life I experience customer service as bad as thatXXXX call- could n't help me and transferred me to a machineXXXX call- could n't help me and transferred me to another line that did n't workI called again, for the XXXX time. This time a male agent try to help me and he could n't either. 
I ask to speak to a supervisor and i was on hold for 15 minutes. supervisor finally came on the phone and said there was nothing she could do for me. She now transferred me to another department after I had to hold for another 20-30 minutes. At this point had been on the phone for about 1 hour and 30 minutes. and all I wanted is my credit report or if they cant give to me to give me a reason why not. No one at Experian could do that for me. 
This next person I talk to was completely rude, unprofessional and mean. she started screaming at me saying that there is simply nothing she can do for me. I ask to speak to her supervisor and she said I could n't. unbelievable! I asked her for her name. she said she could n't provide that mind you I 've provided this person with all my info : name, address, birthday, social security ... you name it. yet, she would n't tell me her name or transfer me to a manager. After I pressured her to get her name she said her name was XXXX '' from the XXXX department. I then ask her for her operator # and she would n't provide that either. So I hung up and now I do n't have my credit report from them and I dont have a reason as to why not. I was disrespected and its sad that a company as big as Experian would treat people like this

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (I do not know) with First Data Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filed a report on    XXXX    to the FTC after received first letter from TRS Recovery Service s , Inc.  and had called the number provided on the letter. My FTC Ref # was  XXXX . I have received no follow up from FTC, and was s ent another letter from TRS Recovery Services , Inc. on  XX/XX/XXXX .   I k now this claim that I wrote a check to "  XXXX  No.  XXXX  '' is false. They are demanding I pay  XXXX  and try to direct to a website, www.firstdata.com/trs to provide personal information in order to dispute or have them draft funds from my account. I did not provided personal information or go to their website.     Today I received a phone call that is a scam claiming to be from the  US Federal Grants Dept.      i have verified my number is on the  Do  Not Call  Registry sinc e  XXXX , and I am a member of  XXXX  since  XXXX . Why do I keep getting these misleading and threatening communications?     Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My first name is different than the one Portfolio Recovery is using in a wrongful collection action. Six years ago, on XX/XX/XXXX I sent Portfolio Recovery a letter stating that I had never had an account with XXXX XXXX, that I was not the debtor and ordered them to cease collection efforts.
Now, again, on XX/XX/XXXX Portfolio appears to be attempting to collect a false debt with XXXX XXXX again, and the same wrong name. And on XX/XX/XXXXthey followed up with a letter offering payment options, as if they were offering a layaway plan, instead of collecting from an innocent consumer. This wrongfulXX/XX/XXXXclaim is for {$690.00}. By the way they also make the absurd assertion that if I do n't go out of my own way to contact them within 30 days, then they 'll " assume the debt is valid. '' Why is it my responsibility to contact PRA because their sloppy collection efforts have threatened my credit record? I urge that the CFPB investigate PRA 's failure to comply with the standards of the FDCPA.
I will send them another " No, I am not the consumer you seek, it is n't me, I never had an account with that bank and stop your collection efforts '' letter, but I thought that the CFPB should know. It is unfortunate that consumers have to defend themselves against a company with such very low accuracy and verification standards.
BTW, they also came after me inXX/XX/XXXX for a debt with XXXX, another bank I 've never had an account with. They 'd purchased that alleged debt from another debt buyer, XXXX. Portfolio Recovery is a maddening company to deal with. How many consumers who are wrongly and falsely chased simply end up paying them to get them to go away?

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I currently have XXXX joint student loans with Navient. For over the past 6 months, my daughter and I have been trying to determine how the funds we are sending each month towards these accounts are being credited. Navient has listed XXXX account delinquent over 60 days. After several unsuccessful calls directly to the company, regarding how the funds are being applied I directed them to contact my daughter. I have continued to send funds on XXXX loans, but until there is a clear understanding of where the funds are going that my daughter is sending has provided Navient a clear field to report this account delinquent. In addition, I get several telephone calls per day demanding payment. Their representatives are very unprofessional. There have been times they can not answer my questions and although they will acknowledge receiving a payment ( not the full amount ), their reps can not explain how the funds are being applied. I have asked for explanations in writing and assistance to help bring the balance current. I have been given the option to accept a resolution over the telephone yet the company has denied providing me the information in writing. I just want this account to reflect correct information. All my other creditors are being paid timely ; however, Navient has refused assist me by providing clarity of this account and how the funds they received are being applied. 
Any assistance you can provide will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Balance transfer

Complaint: A few months ago, I took advantage of a 0 % for 18 months balance transfer offer from Bank of America ( BOA ) with a initial one-time balance transfer fee. I already had a roll-over balance ( for purchases ) on the card. I 've been paying well over the minimum payments monthly and my interest charges on the roll-over balance have not decreased. I called BOA to inquiry about why my interest charges were not decreasing and they informed me that all my payments were being applied to the balance transfer and not the roll-over balance. I thought I was paying toward the roll-over balance. This does not make sense because I performed the balance transfer so I would not have to pay off that balance for a period of time ( interest fee ). I asked if this could be adjusted and they responded " no. '' I would have to pay the entire roll-over balance in full and eliminate interest. I do n't think this is reasonable.

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 08/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LENDMARK FINANCIAL SERVICES (NC).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I currently have a open loan with a company called Lendmark.They called everyday some time twice a day and insist I make a payment or they will take me to court. I have not answered my phone but the call my friend and his mother telling them to have me give them a call. I was behind two months and have actively been paying what I can to get catch up. XXXX. I was sitting at home with my electric out trying to come up with a way to pay it and a rep from Lendmark came to my home asking for money.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Hello, I have been contacting this company for well over a month and spoken to numerous representatives and managers to resolve the debt. Everyone lies and transfers calls. 

Since XX/XX/XXXX, I have faxed, called, and emailed over 30 times getting the runaround, hung up on, misinformation, confusion, and incompetent stall tactics. I spoke with a manager XXXX handling XXXX accounts who assured me that since I lived in the state of New York, I had to email a statement saying I gave Convergent permission to email me and we agreed I would settle this account for {$250.00}. I emailed immediately while she was on the phone to a # clerks email. I called the next day as she requested so I could pay it and interestingly when I asked for the same manager she was " in a meeting ''. Then I called that afternoon and reps hung up the phone or transferred me all over the place. ALL I WANTED TO DO WAS PAY. Who does this to someone just wanting to pay? 

They never sent the invoice as THE MANAGER told me that department would so I could have proof of what we agreed before I paid. Another week goes by with me calling and still no resolution. She even tells me there is SEPARATE UNNAMED DEPARTMENT that I can not communicate with who handles email correspondence. Yesterday, I coincidentally got transferred to XXXX again, reminded her who I was and reminded her that nothing she told me was true. She then tells me they have a NEW EMAIL ADDRESS and that she gave me the wrong one 3 weeks ago! I was stunned. So I email that account 3 times - XXXX - how convenient that a new email address pops up. 

I paid off this debt XX/XX/XXXX in good faith with XXXX and STILL HAVE NOT RECEIVED A RECEIPT stating this matter is settled TO MY EMAIL. 

TODAY - I was just put on hold at XXXX XXXX this morning, XX/XX/XXXX as I am writing this. The representative said she had to figure out what department sends receipts???? I was on hold for 15 minutes and I hung up because I knew from experience that rep was not coming back to the phone. 

This company is evil and corrupt. How long does it take to send a 30 second email? I want my receipt so I can move on with my life and never have to deal with this company again. They should be shut down. They have no corporate numbers to call and bogus websites, and all this confusion. I can't believe this company is allowed to be in existence with all the negative reviews and complaints all over the internet. 

Disclaimer : This debt is under my maiden name, Do not let them say they can not find 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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Danco Financial Services, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a police report in XXXX stating that my wallet turned up missing and that I was being bombarded with inquiries and accounts from Georgia. The 3 accounts that should not be on my account are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. These accounts were opened in varying parts of Georgia and all were reported repossessed. I have called. I have written letters. I have submitted police reports. Years later these 3 accounts still plague my credit report. XXXX still came back claiming they had a contract signed by me for XXXX XXXX XXXX. This was not me. This credit reporting agency has not been helpful at all in the clearing of these 3 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My son had a student loan thru   XXXX   XXXX  , his father and I co-signed for this loan of {$26000.00} over the past few years payments were made to   XXXX   XXXX   some by our son, his father and myself. After   XXXX   XXXX   formed Navient as their collections company, we were plagued with calls demanding payment in full. Our son 's father paid them {$10000.00} on XX/XX/XXXX  to have them remove his name as a co-signer which they eventually did. My son on or about XX/XX/XXXX  had   XXXX   XXXX   XXXX   ( a service related benefit of education loan ) contact   XXXX   XXXX  /Navient to get the exact payoff of his student loan which  XXXX  was told the amount of {$17000.00}. A check was sent for that amount payable to   XXXX   XXXX  , ck #   XXXX   was received and deposited with a bank stamp belonging to   XXXX   XXXX   XXXX  . #   XXXX   for deposit only. After our son was told that they did not receive this payment he contacted  XXXX  for copies of this check and   XXXX   XXXX    sent him copies of front and back of cancelled check proving this had been done and that they were paid in full.
Navient ( one of several collections agencies contracted by   XXXX   XXXX   ) still denies that the debt has been paid in full and is still trying to collect monies not owed. This is one of the many fraudulent acts that has caused the lawsuits to be filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit card () with DISCOVER BANK (AZ).
Issue: Rewards

Complaint: I made a purchase of {$980.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Funding LLC filed suit against me and attached false and misleading affidavits. Upon response to " Admissions '' refused to agree with the CONSENT ORDER. Denied the CONSENT ORDER between CFPB and ENCORE, MIDLAND FUNDING, etc. Continued to attach more false and misleading documentation but still not proving this debt was part of the " pool ''. Refuse to supply.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: my Morgage company ( XXXX ) changed service company to Roundpoint morgage services company. The electronics payments still went to the former service agent for three payments. XXXX and there agent were listing me as default, and charging me late fees and threatening foreclosure. I worked with my Bank, proved that all the payments were made after 7 phone calls and two years with promises to correct this, and the fact the the prior servicing agent sent two of the three payments to Roundpoint, and the fact that I have reconciled receipts, they are still charging me late fees, and not crediting the third payment.

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 04/23/2015 about Debt collection (I do not know) with Radius Global Solutions LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: central credit calls at least once a day asking for an employee who does not work here. They have been told repeatedly that he does not work here yet they call daily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I had a security question that I once resided at XXXX XXXX XXXX XXXX, NY.I replied 'NO ' that I never resided there and was unable to access my credit report. I never lived there, however my ex-husband lives there. I reported this to Experian in the past and I never received a written response although I sent a letter with proof of divorce etc.. Please have that information removed from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (WI).
Issue: Managing the loan or lease

Complaint: Debt on my credit for {$3000.00} states a charge off XXXX XXXX XXXX 2016 I spoke to someone at your office about a debt on my credit report. I asked the operator why this is owed and she stated she was unsure but is willing to settle for {$2500.00}. A letter sent to Wells Fargo was sent asking for explaination as to why I owe this but after 30days I have yet to receive anything. I 've also sent a copy to all the XXXX major credit agencies certified And sent a complaint to the XXXX ... .which your company failed to respond to. Im demanding a detailed explaination of how I owe this balance. The next step after this is a lawyer.

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 05/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have fraudulent accounts listed on my credit report that do not belong to me. The following accounts do not belong to me : XXXX BANK XXXX, Account Number : # XXXX Collection XXXX Account Number : # XXXX XXXX XXXX, Account Number : # XXXX Of North Dakota, Account Number : # XXXX XXXX Bank XXXX XXXX, Account Number : # XXXX XXXX XXXX, Account Number : # XXXX XXXX XXXX, Account Number : # XXXX XXXX XXXX XXXX, Account Number : # XXXX XXXX, Account Number : # XXXX Bank, Account Number : # XXXX XXXX : # XXXX XXXX. XXXX : # XXXX

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