milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2016 about Debt collection (I do not know) with Rash Curtis and Associates (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Rash and Curtis has not replied to my letter requesting validation of debt which was received via certified mail on XXXX XX/XX/2016 and continues to be reported on my credit report. Rash Curtis and Associates have violated federal law, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Conventional fixed mortgage) with LAKEVIEW LOAN SERVICING, LLC (CO).
Issue: Application, originator, mortgage broker

Complaint: We signed a loan application to refinance our mortgage with Lakeview Loan Servicing on XX/XX/XXXX. They assigned the servicing to XXXX. We have paid for an appraisal on XX/XX/XXXX, which was completed on XX/XX/XXXX. As of today, XX/XX/XXXX, XXXX has not been able to close on the loan even though we had provided everything requested at by the time the appraisal was ordered. Additionally, as the process had continued, I had repeatedly asked for a Loan Estimate, which I had never received until today ( XX/XX/XXXX ). We have a home equity line of credit with a local branch of XXXX, and the branch manager for that bank said they needed a copy to complete a subordination request. At this time, our loan officer at XXXX finally provided us with a Loan Estimate. The loan estimate shows a issue date of XX/XX/XXXX. Our rate lock has expired and been renewed four times. We have lost all confidence that XXXX will be able to close our refinance and are very concerned to have them service a refinance of our mortgage. We have also learned that they are out of compliance since the requested verification of personal information without providing a loan estimate.

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 04/13/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: this bank own my loan and they hired Specilaized loan servicer to handle my mortgage the servicer are fraud and toy with me. send this creep to my property hide in the bushes and take picture of my property

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 07/24/2015 about Debt collection (Credit card) with URS Holding, LLC (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a dispute still under investigation with one of the credit bureaus. 

United Recovery Systems is the debt collecting company collecting on behalf of XXXX XXXX on my credit card debt. Even though I have been paying on time according to the negotiated terms and allowing the company to directly debit my bank account they are still reporting me monthly as paying late because they are using my total balance owed as past due instead of reporting the amount due as the payment amount that they agreed to accept as a monthly payment XX/XX/XXXX. I am being intimidated and/or threatened by this tactic. When I spoke with a United Recovery Rep on XX/XX/XXXX to try and resolve this issue with them directly, he essentially told me that they would continue reporting me as late until the entire balance is paid off. I acknowledge that I owe the balance but if I could pay the whole balance off in one lump sum I would not be in this situation. I am trying to do the right thing by paying as agreed according to the negotiated terms of repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Credit card) with Nationwide Debt Management Solutions, LLC (VA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: On Monday XXXX XXXX 2015 at XXXX EST I returned a phone call from a debt collection company called Nationwide Debt Management Solutions . An employee from the company answered the phone who identified himself as XXXX. XXXX began to give me information regarding my debt and the reason for the phone call. XXXX asked me to provide him my personal financial information and where I worked. I declined to provide this information as I felt unsafe to do so without receiving written notice. 

Abruptly another male employee jumped on the phone identifying himself as XXXX XXXX, Collections Manager, and demanded I provide the information XXXX requested or they would n't be able " help me '' with making payments. He threatened me that he would tell his staff not to provide me payments if I did n't give him my personal information. XXXX went on to use abusive and aggressive language by demeaning me by in a hostile tone, " you know your financial situation. '' " If you do n't tell us the information we need to know then we wo n't be able to setup payments. '' The harassment continued on with his bullying tactics and trying to scare me while the other employee XXXX did nothing. 

This company has XXXX complaints filed with the XXXX. Someone needs to take serious corrective action against this man and his company. It is not the Wild West and if I am held accountable to a low credit score due to my personal financial situation then unprofessional and harassing collections agents need to be held accountable for their unprofessionalism and abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: Lender keeps contacting me Harrassing me to pay them back in full when I clearly stated I am currently not employed and I could try to make small XXXX dollar payments until I start working. They said if i didnt pay in full or in XXXX payments of {$88.00} dollars they were going to take me to court. I tried to set a payment plan and they keep harrasing me calling me to threat me to pay them or I will go to court.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (WV).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Very threatening and rude to me and my family about collecting a loan debt from me while I am still XXXX. They mail me and call me too much.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Called my work and told a coworker that they were going to serve me papers on a discharged credit card. Coworker called me with contact information. I called them back. XXXX knew an awful lot about my credit. I told him that the card was discharged with a BK in 2008 ... he claimed it was never in the BK. I know better than that but told him I had to talk to my husband. He made me an " offer ''. This is a third party collector whom I can find nothing about doing either a phone or web search. I did find a site with other people claiming the same tactics were used. They also identify themselves as a Law Firm.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Student loan (Non-federal student loan) with MASSACHUSETTS EDUCATIONAL FACILITIES AUTHORITY (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: This is a follow-up complaint to Case number : XXXX. All preceding information can be drawn from the former case file. 

As verbally agreed upon with MEFA/XXXX, I began making quarter payments while the formal paperwork for the quarter payment forbearance was being processed. During this time, I received no fewer than six harassing phone calls to my personal cell phone, demanding immediate payment of the full value of the monthly payments, despite clear verbal instructions to cease phone communication, in clear violation of my rights as a lendee. 

Approximately 1.5 months after the quarter payment paperwork was filed ( date of XXXX XXXX, 2016 ), I received another phone call from MEFA/XXXX, again demanding immediate payment of the remaining balance, minus the quarter payments that I had already been making. This time, however, they informed me that they had rejected my forbearance application because they had changed the terms of the agreement IN THE TIME BETWEEN WHEN THEY RECEIVED THE PAPERWORK AND WHEN IT WAS PROCESSED without notifying me of the change until after it was rejected. Thus, they had outright denied the application on technical grounds. All of this clearly violates my rights to clear and fair lending as a student borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (PA).
Issue: Making/receiving payments, sending money

Complaint: I was overdraft XXXX at XXXX $ via PNC for a bill that their website claims is paid. They defaulted my bill pay to an account that was empty but attached to XXXX with XXXX $ in it. They have been pulling slimy maneuvers like this for far too long with me, and I 've had it. I just had to put XXXX $ in an account to cover a bill that was originally XXXX XXXX They tacked on an additional XXXX $ in fees because they bounced the payment from my account XXXX. The thing that tops this cake is that i spoke with someone on the XXXX with PNC and the last thing she told me was that it was taken care of and i would be reimbursed ; that was a 20min conversation. Today i spoke with someone, and that was another 30 min of my day, just to have her tell me that someone would be in touch within 3 business days. 

Just a month ago I lost my wallet, had to put money in my account so i would n't overdraft, they charged my account XXXX for a card on the spot, without telling me! Just charged my account. So i had to pay XXXX, to use the atm, so they could not charge me XXXX $ overnight for a XXXX $ discrepancy. All because they charge me XXXX $ overtime I use a teller. 

Its a travesty.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a mortgage with US Bank since XX/XX/2012. I have always paid my monthly payment through my bank with electronic transfer. I have never had a late payment. About 5 months ago, when US Bank received the payment they posted it as principal only. Despite numerous phone calls on my part, and corrections made by US Bank, they continue to post every monthly payment as principal only. They then proceed to call several times a month to get the " late payment. '' This month I have talked to them twice, and both times I am told that they will change their system to show that the payment was exactly that ... my monthly payment. The person I talked to yesterday suggested that I make my payment so that US Bank receives it after the first of the month, rather than before. I just got yet another phone message, a recorded message, to call them again and be put on hold ... again.

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 06-08-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to the website XXXX and completed all XXXX sections and when I got to the XXXX section to obtain the reports I received a message stating I would be unable to get the reports online I would have to mail in a request to obtain them. I do n't understand why the site would have me enter my personal information under the guise that I will receive the reports online and then tell me that I ca n't get them.

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 08/14/2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Using a debit or ATM card

Complaint: What can you say about USAA BANK other than they murdered my life and killed me a long time ago, I am living my life on fumes. After being robbed of over {$100000.00} things including, music demos, screenplay drafts for projects for money, all my personal things like license info, and social security info, after being idenitity theft through USAA CHECKING account and USAA BANK CREDIT card and proving it and bringing people to justice and after a car accident we proved was not our fault, USAA BANK refused to pay out all they owed, closed checking account illegally, the issues are extreme, they even illegally put me in credit reporting XXXX found them guilty and removed them but XXXX has not I Am attaching a letter from XXXX XXXX to show I WAS ONLY AN AUTHORIZED USER, USAA BANK and ceo XXXX XXXX, I have phone calls, emails, letters from city controllers and other agencies to prove I Am in the right. I Am terrified they get away with this by simply saying WE ARE FOLLOWING FTC regulations, but they are not, they are evil. I am actually waiting for them to finish my life off, there are so many other issues, I am attaching a XXXX document as well to their only XXXX % of what they did. XXXX, I know they are gon na come for me and finish me off soon, they are so evil, and gross. XXXX XXXX ext XXXX at USAA BANK is also an evil henchmen for USAA BANK. HELP ME HELP ME HELP ME HELP ME I AM DROWNING HERE AND TERRIFIED.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I have a secured XXXX visa that is reporting a late payment on my account. On XX/XX/XXXX I mailed a money order in the amount of {$50.00} to their payment address stating that by accepting this payment XXXX agreed to delete all late payment reporting as it is negatively affecting my credit history. I was able to verify that they indeed receive my payment on XX/XX/XXXX and are still reporting delinquency on my 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 explanation
Consumer complaint received 02-07-2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Transaction issue

Complaint: I would need your help disputing some charges on my Citi Visa card. Please investigate all charges made by XXXX XXXX XXXX and XXXX. XXXX was my first contact regarding setting up a website. After them other companies started to call me to offer online related opportunities. XXXX contacted me so I could have my online business company officially set up. There are XXXX parts to XXXX : The first XXXX sets up your company for you by getting it licensed in your state and all the paperwork needed to do so. {$1600.00} The second group works with you to get your credit established with XXXX XXXX XXXX. I received a couple of phone calls and that was it. {$1900.00} The third group was XXXX XXXX. They sent a program to fill out to track your taxes. After reviewing the program I called and told them that I did not want to use this program and I preferred to use a local CPA to do my taxes. They declined my request for my money back. {$2800.00}. 

I believe they took advantage of me. They sold me additional business that I did not need it. These companies prey on the elderly and they overcharged for services that I could 've paid a couple of hundred dollars ( price gouging ) and they did not provide the services that I was led to believe that I paid for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Vehicle loan or lease (Loan) with TCF NATIONAL BANK (VA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I called Gateway One Lending and Finance at  XXXX  to payoff my car loan and they wouldn't take my payment.  I pay online and they wouldn't take that payment either.      They don't have a way to process the closing in the same manner that I was instructed to make payments and find this feels like a usury situation as they are forcing me to stay in the loan and pay interest that I would like to pay off.    I contacted the company and they said they couldn't help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Bank of America is putting items on and off credit reports without any notifications. Account ends in XXXX and should read paid as full.

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 01/25/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this issue with all credit reporting companies, XXXX, Equifax and XXXX. XXXX and XXXX have removed it from my credit report and I would like this issue resolved. Name of the company is XXXX XXXX XXXX and balance is {$210.00}. It is really affecting my credit score and have sent them several letters including notarized letters as well and have not received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried to get my free annual credit report from XXXX but it never verifies my information. None of the questions they ask pertain to me. None of the information is mine and it doesnt matches anything. I need my equifax, XXXX and XXXX updated reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Credit card) with Parnell & Crum, PC (AL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Opened an XXXX XXXX account so that we could use on vacations so that we would not have to carry cash with us. After coming back from vacation we received a bill saying that it must be paid in full. They would not accept payments and turned it over to a debt collector with which we settled with out of court. They told us that as long as we did not miss a payment then there would not be a judgment. XXXX is still reporting our account delinquent and the judgment has not been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We listed our home in WA for sale - our realtor advised us to move out and we followed their direction for a quick sale. We put a change of address in for a temporary residence in CA. During the month of XXXX, our mortgage interest rate changed and amounted to a difference of {$110.00} on a total payment amount of {$4000.00}. I continued making payments and apparently because of the rate change and our life 's circumstances - I paid the wrong amount which then led to the lender applying a late fee on our account. As of XX/XX/XXXX we 've paid off the mortgage to Capital One completely as our sale transaction has closed. We were due to have our purchase escrow close when just this morning we were told that our new lender pulled our credit score and it had dropped about XXXX points so they are n't making the loan to allow our new home to close escrow. As of today - we are homeless and because of the Credit Bureau 's negative impact on one late payment we have no where to live ( with our XXXX child ) and I 'm certain our new lender will only allow the new loan to close if we pay more money - fees, interest rates, etc. This seems like a mortgage extortion and is impacting our family and our finances excessively.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2016, Bank of America issued my monthly statement which showed a payment due on XXXX/XXXX/2016, of {$150.00}. I logged into their website that day, and, since it then showed a payment due for XXXX, I made a payment of {$220.00}. When next statement came out on XX/XX/XXXX, it showed my payment on XX/XX/XXXX, posted XX/XX/XXXX, but it said I was overdue, and I was charged a late fee of {$27.00}. I called customer service, and they could n't help me, so I requested a supervisor. I spoke to XXXX, who said all he could do was remove the late fee, return my payment to me and have me pay it again. I reluctantly agreed to this since he said it was the only option to make the account current without making double payments. The fact remains that the website said I had a payment due, and I paid it in good faith. Now I am stuck paying extra interest on the {$220.00} which will now post over a month later. This may not be a huge amount of money, but it 's wrong in principle and has caused me to waste a lot of time and aggravation. I feel punished for trying to stay on top of my bill. The bottom line XXXX told him is " never pay the payment on the statement closing date, no matter what the website says ''. He did say he would submit my feedback about the site.

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