milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/16/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Our home is in foreclosure. We have retained an attorney. He has assisted to prevent foreclosure via modifications, mediation, etc to no avail. Our original note was owned by XXXX. XXXX has been servicing our loan. The foreclosure was filed by US Bank as Trustee for XXXX. The problem is that there is no clear assignment of our mortgage note, we are being foreclosed on by an unknown entity. They failed to provide ORIGINAL note or original assignments. The alonge is blacked out and blank. After weeks of research we have discovered that a hedge fund, owned by XXXX purchased a Participation Pool of defaulted mortgages from XXXX. There are XXXX complaints by homeowners and attorneys that this entity is engaging in illegal activity, forging signatures, and filing assignments and along after the fact. They are stealing homes. I have filed 8 modifications and NOT received any formal answer to 1. I offered $ XXXX to assist to bring pmts current, they refused. Our attorney has done all his due diligence he can. They fail to provide original notes, they fail to provide any discovery at all. They claim to have the Certificate that states they have the original notes. Well if they have the original notes then produce the original notes. When we had our mediation, even their own attorney states that there is not 1 person he can speak with with regards to mediations, negotiations, or discussions to save our home. They have no standing. They are seeking a NON JURY trial. As the homeowner I have the obligation to defend my title. They want a NON JURY trial because the banks will have to prove everything. I do n't even know who they are. There are multiple cases and lawsuits against XXXX. They do n't even exist, US Bank does n't even exist nor have they stated they have any trust fiduciary responsibilities with my home. This is another housing bubble created by a wealthy hedge fund. No one seems to care. There is no actual assignment to them, They have nothing but photocopies of my notes. Nothing is original. I need STATE and FED assistance ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was on a low interest rate payment plan and making payments just fine. I did not realize that the program ended and I had to call in to enroll again. This was the start of delinquent payments. The last payment they have on file was made in   XXXX   XXXX    . I did n't realize until the calls started, that I was late. I am very willing to make a payment but needed more flexibility. I was offered a  XXXX  interest rate in  XXXX  and that was great but I had to make a large payment on that date and could not do it. I asked if I could make the payment in  XXXX  and they said I 'd just have to call back in  XXXX , so I waited. Now, they can only offer  XXXX  rate which makes my payments too high. I requested the  XXXX  rate by talking to a supervisor. He would not approve me and told me that I ca n't speak to another supervisor and he would not transfer me. He then hung up on me. I would like to make my account current but need more options. Every time I speak with Navient they are extremely rude. I can not believe they are allowed to speak to customers in the way that they do.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I have been a customer for 4 years now with Chase, on XX/XX/XXXX they charge me a {$75.00} Legal Processing Fee, that made my account balance go negative, then they kept charging me fees because my account went negative. When I called Chase, they told me they would have to transfer me to their legal expert and I was kept on hold for extended periods of time until they eventually hung up on me. They are also not allowing me to close the account either. 

XXXX XXXX - was the manager who is made the decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have Chase credit card that I intentionally set with a maximum limit of XXXX. I had a charge hit my card that I did not approve for XXXX that occurring on XXXX/XXXX/XXXX from a vendor that I did have a monthly recurring charge from but not this high of an amount and I did not authorize this large amount and never authorized Chase to accept any charges over the intentional XXXX limit max that I agreed to. I called Chase shortly after it occurred and was told they accepted the charge because it was a vendor that I use and as a " courtesy '' to me as a card holder. This was not a " courtesy '' and has cause havoc with me trying to pay off my bill. 

Because they did this, I was unable to even negotiate the XXXX amount down from the vendor or make the vendor eliminate it. They would n't budge because they had already received their money from Chase. 

Also, the card being over it 's limit has cause me to be declined for a debt consolidation loan because it is significantly over the credit limit. it is infuriating because I never authorized the charge and had a set lower limit intentionally. 

Chase did say they would visit with the vendor to dispute the charge, but I have already had to deal with vendor directly. It 's really not about the vendor it 's about the fact that Chase and I had an agreed upon contract with a credit card and a set limit that should never have exceeded.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: XXXX hired Financial Asset Management Systems ( " FAMS '' ) to collect on a private student loan. FAMS flagrantly lied under CFPB complaint number XXXX. In their response they stated that they received a verbal cease and desist in XXXX 2015, and that they called me once on XXXX XXXX, 2015. FAMS conveniently did n't mention CFPB complaint number XXXX, in their response, which was submitted by me on XXXX XXXX, 2015, and FAMS responded to the complaint on XXXX XXXX, 2015. Under CFPB complaint number XXXX, I stated in writing that I wanted absolutely no communication from FAMS. However, FAMS called me on XXXX XXXX, 2015, even after receiving a written cease and desist from me on XXXX XXXX, 2015 under complaint number XXXX. I have their phone call as a records log on my phone. In addition, under CFPB complaint number XXXX, FAMS alleges that they called me on XXXX XXXX, 2015, because of settlement negotiations. However, when I called FAMS on XXXX XXXX, 2015, I specifically told them that I wanted absolutely no phone calls from them regarding the settlement negotiations. I recorded the phone conversation during the phone call. I have the phone call recorded in my phone logs. Under the FDCPA, a debt collector is not allowed to contact a person after receiving a written cease and desist letter, which was sent under CFPB complaint number XXXX. The exception is a debt collector stating that they are ending communications which was done in FAMS ' response on XXXX XXXX, 2015, under complaint number XXXX. As a result FAMS flagrantly violated the FDCPA by calling me on XXXX XXXX, 2015, which caused me severe emotional distress and health issues. There is no exception in the FDCPA to call someone regarding settlement negotiations after receiving a written cease and desist letter. FAMS has flagrantly lied in their responses regarding their violations of the FDCPA and their refusal to adhere to written cease and desist letters.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my dept to CSI to XXXX over 3 years ago, even after 3 years of asking them to removing the debt off my record it still on my record. I currently use the service and have been for the last 3 years. I have filed a dispute with the credit report Transunion and it wont get off my credit. While I do n't have the original receipt that the debt was paid in full I have statements for months i use their service. I call and they keep saying that they will take care of it and it should be off my credit in 45 days and nothing gets resolved. I even call XXXX XXXX to see if they can do anything and they give me false numbers to call. This has been a big mess that I cant seem to resolve on my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was going over my credit file and I seen some inquires I do not recognize. I acquired from your organization on XXXX XXXX, XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. There over 15-20 inquires on my report I never applied for any loans or contracts for business with these companies. The dates are around XXXX If you find the inquiry referenced above to be valid, please send me a description of the dates and time as well as the vendors used in your investigation within 15 business days of the completion of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX   XXXX   XXXX  sent me a letter on  XXXX   XXXX ,  XXXX  stating I owed {$280.00} to creditor LVNV Funding LLC. I sent a letter disputing the debt and requiring disclosure of the origin of the debt on  XXXX   XXXX . No one respnded to my letter. I received a similar letter on  XXXX   XXXX   XXXX  with a different account number for the same amount. I sent another dispute letter and have no response. They call me every single day when Im at work. I answered once and the woman on the phone yelled at me, told me she was helping and I had to work with her to make a payment plan. She would not acknowledge my dispute of the debt or my previous letter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Am I correct that I am required to pay for a freeze on my credit for XXXX and TransUnion? I discovered this only after I had to navigate around a service TransUnion wanted me to pay for XXXX TrueIdentity XXXX as an alternative to freezing my credit. It seems as though these credit reporting agencies are attempting to take full advantage of this XXXX hack situation. XXXX should foot the bill for these credit freezes that put at least XXXX XXXX XXXX most likely many more XXXX identities at risk for theft. At {$3.00} per freeze, these agencies stand to make hundreds of millions of dollars as a result of this.

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 04/15/2015 about Debt collection (Medical) with Credit Bureau of Lancaster County, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I submitted a dispute to the colletion agency dated XXXX XXXX 2015. The company has not completed an investigation and provided me with any results regarding my dispute. Instead they just submitted the information to my credit report. This is plain harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried several attempts disputing inquiries that I have made not made to all the credit bureaus. I did not apply for any job now was I granted credit with and of those companies. I even sent certified letters to those creditors with no response back. I would like for all inquiries to be removed from my credit report.

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 Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was issued a Walmart Store MasterCard/Credit Card with # XXXX XXXX XXXX with an expiration date XX/XX/XXXX. My monthly statement sometime missed to reach me at times. And I just call the XXXX Customer Account Services to find out how much is my balance and due payments. However, On XX/XX/XXXX I called the said numbers and an answering service has notified me that I have no payment due at that time and my account was closed. I was surprised by the message despite I was always current on my payment. And the closed my account. And I started receiving a collection calls every now and then. Including on Sundays. I was not notified by mail why my account was closed. And the worst things they call even at night passed XXXX Arizona time. And Early on Sundays. I called and left a message on that Collection Agency and never receive any response from them. Now, I am surely they are hitting me with late fee 's on my account. 

Kindly help me with my situation with the Walmart account. If for some reasons they have closed my account. Atleast, They will offer me a chance to pay them back without the penalties and interest at a monthly payment I can afford. Thank you very much for your kind understanding and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 non-monetary relief
Consumer complaint received 10/15/2016 about Credit card () with BARCLAYS BANK DELAWARE (MO).
Issue: Billing disputes

Complaint: I am making monthly payments to a closed account because my final payment was credited to someone else ' account in error. I have called, faxed, and written. I have letters stating the error was corrected with apologies for any hardships. In error I am still being billed monthly for this account.

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 11-09-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I set up automatic transfers from my Bank of America checking account to ( 2 ) separate Bank of America savings account, which I also own. The automatic transfers were schedued for every other Friday, coinciding with my payroll date. I 've had these transfers set up for well over one year and never had an issue. 

On Thursday, XXXX XXXX, XXXX, I checked my account balance and noticed that my account was overdrawn by {$270.00}!!! I immediately checked the transaction details to find that my scheduled transfers were processed early! I called the Bank and spoke with XXXX. She advised that if the scheduled transfer date falls on a holiday or weekend, the transfer is processed the day before. I asked her to send me a copy of the Terms and Conditions, which I supposedly agreed to, by email. XXXX refused, and told me she could n't do that. I told XXXX that I work at a Bank and I KNOW she can do that. She refused to provide a copy of the Terms and Conditions by email, so I asked to speak with her XXXX. 

XXXX 's XXXX, XXXX XXXX XXXX ID XXXX XXXX in Pennsylvania came to the line and was just as flustered as XXXX! She told me she could email the Terms and Conditions, but it would take 2 days. 2 days for an email sounds ridiculous - I 'm still wating. Further I asked her to read the sections of the Terms and Conditions which addresses my concerns. She read a section but could not tell me which section she was reading from and if it pertained to internal transfers scheduled by the consumer. 

I also asked XXXX XXXX why only three of the transfers took place, instead of all four. She said because my balance was low. Exactly! I explained that the balance in my account prior to any transfer was only {$17.00}, so if that 's the case then NONE of the transfers XXXX amounts {$25.00}, {$65.00}, {$200.00} XXXX should have taken place! She said well MAYBE it 's because I have a certain amount that the Bank allows me to overdraw on my account. So I asked how they determine which transfers to process first. She said it 's the highest amount to the lowest amount. Proves my point again! My largest transfer was NOT processed. Seems management at Bank of Amrica needs additional training. 

Finally, I asked both XXXX and XXXX XXXX to notate my account that I should not be charged any Insufficient Funds Fee because THEY processed a transfer on a date that I did n't authorize, and ultimately overdrew my account. They both refused to add the note and said that I would just need to call back if a fee was charged. 

I finally just transferred funds from one of my savings account back to the checking to avoid a fee. 

Needless to say, I 'm very very upset. The customer service I received was rude and inconsistent. Both XXXX and XXXX XXXX were very unknowledgeable.

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 08/30/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have a synchrony/ amazon card that I have had and used monthly for a year now. I paid my card off in XX/XX/XXXXand did not use it at all in XX/XX/XXXX. XX/XX/XXXX I did use {$150.00} on that card with a payment due date of XXXX XXXX 2017. I went to make a purchase of {$40.00} last night using my amazon/synchrony card and it denied. I logged into my account and noticed that I had {$1.00} available to spend and my credit limit was {$160.00}!! They decreased my credit limit to just above what I owed on the card. I checked my credit score and Synchrony doing this made it look like I had maxed this card and dropped my credit score by 50 points! No letter or phone call that this was taking place. I have 3 other synchrony based cards that are all in good standing so I am confused as to how they can do this to people? I have had no late payments on my credit report or maxed cards which I know they will try to push. Not the case

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 07/15/2016 about Debt collection (Credit card) with Radius Global Solutions LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX is offering me a payment plan called the CARE Program, which stands for Customer Assistance Relief Environment. I had some XXXX XXXX credit card debt which was then sent out to a third party, Central Credit Services. 

I have been making monthly payments consistently with CCS. This month, they offered me to elect to join the CARE program, which purports to be a monthly payment program which will alter my interest rates on the debt. They told me some of the terms on the phone. It sounded like they were offering to waive all late payments, but they said that the terms might change if I did not make my payments on time, so I was suspicious. I asked the people at Central Credit if I could get a written disclosure either digitally or in writing that contained the terms of the payment program. They told me they could not send me the terms until I agreed to join the program. I told them multiple times I did not want to sign up for anything without reading the terms, and they told me they could not send me the terms until I was in the program and kept stressing to me that I might not continue to be eligible for the program if I did n't sign up today. I told them I 'd think about it and get back to them and they continued to stress that I might lose eligibility for the program if I did n't sign up today and agree to a number of agreed monthly payments ( which were higher than my current minimum payment ). 

I told them no, and when I transferred back to make my monthly payment, I was asked to verify the amount I would like to make in my monthly payments. I told the representative I would only like to make one payment, and they finally backed off. 

It feels bizarre that they offered to change the terms of my underlying debt but would n't give me a written disclosure of the terms of the agreement. 

I posted about this on XXXX, and asked other folks to comment if they 've had the same problem. That 's here : 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 03/26/2015 about Debt collection (I do not know) with Recovery One, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation