milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Struggling to pay mortgage

Complaint: In  XXXX     2017, I b egan the loan modification process with Bank of America after several months of going back and forth with several customer relationship managers I decided to undergo  the  short sale process. I spoke with then customer relationship  manager   in  XX/XX/XXXX  w ho stated that the file for pending loan modification would have to be closed as a short sale and loan modification could not occur simultaneously. My home was then listed o n  XX/XX/XXXX . I  completed a short sale packet BOA requested of me once they received notice of the listing and it was submitted the first week o f  XX/XX/XXXX . I was  then mailed a home loan assistance packet on   XX/XX/XXXX  to b e completed. My foreclosure date is schedule d for  X/X/2017 .   I  find it extremely unreasonable for the them request yet another packet to be completed and approved before the foreclosure date. I am desperate for help and I have been trying my hardest to do all that has been asked between the time the request for a loan modification was started in   XX/XX/XXXX  and  when I decided to list the property. I believe that Bank of America is not doing what the government says the lenders should do to provide foreclosure alternatives to me in a timely manner. Furthermore, I do not believe that the costumer service relationship managers failed to do what was needed to accurately inform me of the process.

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 12/17/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing

Complaint: American Express has inexplicably frozen my rewards account which is over 5 years old. Due to me not being able to redeem my points I am unable to purchase flights that are on hold with their transfer partner, XXXX. Furthermore, they stated they will take XXXX8 weeks to review the account which will not be complete until after their 40 percent transfer bonus expires. I will now have to purchase the flights I had on hold for {$6000.00} since they will not let me use MY points. No points bonus has been applied to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX my subdivision had floods and affected XXXX of the houses. we could not get any one to buy our property so we put it on short-sale. The bank did not approve the sale and instead initiated a foreclosure sale on the property. in XXXX XXXX the property was fore-closed. later the XXXX mortgage was reported on our credit report as unsecured loan with each month reporting late. we have tried to resolve with the Bank but they have continued to say we owe them on the XXXX mortgage.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am requesting with this written notice that the following inaccurate   XXXX   XXXX   XXXX    60-89 D ays Late be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in  XXXX  Ky for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

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 06/24/2016 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC ().
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to obtain a loan modification for over a year from SLS. They assumed my loan from XXXX XXXX XXXX 2 years ago. I have made several overtures to this company to secure a loan modification. In XXXX 2016 I reached out to them again requesting status request. The response was requested documents had not been received, modification had not been approved. I requested documentation be sent to me to reference to. A letter formally requesting further consideration would be required. I sent formal letter. I have since called to request documentation and customer service representative XXXX stated modification request was denied. I requested that documentation and was told SLS would not provide any further documentation and if I wished further info to go to SLS website. This is very unfair and appears to be placing obstacles in my bankruptcy consideration.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Unfortunately, I did not know that what they were doing was wrong until I saw the lawsuit. I thought they were following a protocol that I had to follow. When it came time to pay my Navient federal loans after graduation, I could n't pay the full amount on my loans. I tried to talk to Navient about options, and they told me I had to go into forbearance. When I asked if I could go to an Income Based Repayment plan, I was told I could n't go to it until the forbearance time was exhausted. So in that time, I had to wait to be in IBR plan and was accruing interest. XXXX XXXX did a similar situation with my private student loans, except they made me pay {$150.00} to defer them, while still accruing interest ( which is also ridiculous since if I had {$150.00} at the time, I would have been paying the loan ). Hence, I thought this was just the norm, that I had to follow their protocol of forbearance before I could even go to an IBR plan. I hope they fix their practices. People need to realize that students are fine with paying back the loans they took out, but they would like to do so under fair circumstances. Hurting us all when we are down only compounds the issues and will simply cause a stagnant economy for all citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ZIONS BANCORPORATION (UT).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX and XXXX At Zions bank took {$4400.00} out of my cash reserve with out notice, they said they were ordered to take it out, I told them I did n't owe anyone money and maybe they were looking for somebody else after they reviewed the collection they saw that it was not my debt and they told me they where going to charge it off and not to worry about it years later XXXX and XXXX have been calling and and harassing me to pay it saying I owe him {$8000.00} this is not my debt they stole money from me I want them to correct the situation and give me {$10000.00} for harassing me for the last XXXX years I want him to take it off my credit as well this is not my Debt have them Prove that it was me they where after for the collection of the Debt and that it was me they where ordered too take money from and you 'll see that this was not my debt XXXX just did the same to their costumers as well

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 02/13/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been disputing an alleged account I owe with Midland Funding for months. I have requested a verification of debt from Midland Funding and the credit bureaus ; XXXX, XXXX and XXXX. To date, Midland Funding has only sent me a computer generated credit card statement. I have not received any assignment of ownership of this alleged debt or a signed contract with my signature. I have not received any proof that this debt is owned by Midland Funding or that I am responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My current credit report lists      XXXX   XXXX   XXXX   XXXX   XXXX   as b eing  XXXX  past due with 9 missed payments since  XXXX  2016 and in adverse status. I have not MISSED ONE PAYMENT. I have made 31 payments since  XXXX  of 2016 totaling {$18000.00} ( see printout from the state of CT attached ). I called the state of CT and they told me to dispute the credit report with  XXXX . I did and they still did not fix my payment history or account status. They changed the balance, but not my payment history. This mistake is probably bringing my FICO down  XXXX  points.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: this is a joke and illegal, 4 months later after I have did what I had to do I still as of XX/XX/2017 not received my {$400.00} checking bonus from Citibank. I want my {$400.00} and I think that Citibank should be fined or something for this XXXX they are pulling.

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There are accounts on my credit report that are past the statue of limitations and are over the time limit to be removed with all bureaus and it needs to be corrected.most accounts were in chapter  XXXX  and are open accounts that should be closed.

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 07-07-2016 about Mortgage (Home equity loan or line of credit) with Real Time Resolutions, Inc. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: The XXXX XXXX XXXX and Real Time Resolutions are involved in a debt collection activity focused on second mortgages. According to the DOJ and XXXX XXXX XXXX XXXX in 2014, XXXX XXXX XXXX is supposed to modify or forgive theses loans. Instead the XXXX XXXX XXXX who still owns these loans is using Real Time to collect on these loans by claiming Real Time is a sub-servicer, when in fact the XXXX XXXX XXXX sets all the pay-off demands regardless of the consumer 's ability to pay-off the XXXX mortgages. Most of these XXXX mortgages are HELOC loan with extremely high interest rates sold through XXXX just before the national mortgage meltdown. It appears the American homeowner is about to have a second chance to lose their homes through the faulty lending practices of the XXXX XXXX XXXX. Please investigate the activities of Real Time and the XXXX XXXX XXXX because they are taking advantage of homeowners all across America.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Student loan (Private student loan) with DISCOVER BANK (MI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: The issue I am having is with XXXX XXXX XXXX XXXX XXXX. I owe a considerable amount in student loans and am facing a monthly payment that is not achievable for me at this time. I graduated with my second XXXX XXXX degree in XXXX 2016 and my payments for this company began in XX/XX/XXXX, little over a month after my graduation. My payments are ~ {$700.00} per month and my income is XXXX {$1000.00} per month. I have called multiple times to try to reduce my payments and have been told that I have already utilized all forbearance/deferment options and that there is absolutely no possible way to lower my payments. I explained that I would be more than happy to make regular payments, but just at a rate that does not include 70 % of my monthly income. I was told there was nothing I could do and that my account will default after 120 days past due and be sent to collections. My co-signer ( my father ) has come under difficult times : he was laid off and has since had many health issues, has undergone XXXX treatment, is currently applying for XXXX XXXX XXXX, and has no way of assisting me financially. I spoke to a manager at XXXX XXXX and explained the whole situation, and she even agreed with me that it would make far more sense to lower my payments than for my account to go to collections, where they would be unable to collect anything from either me or my cosigner ( because we do n't have anything of any monetary value to collect ), however she stated there was nothing she could do and told me to try to borrow it from someone else. I have no other options. I am doing my best to find full-time work that will pay for this. In the mean time, the past few months I have been paying the {$700.00} to keep it out of collections and not paying for other necessities ( e.g. other student loan payments, rent, food, etc. ). I am truly putting forth my very best effort to stay in good standing with this company and meet all of my financial obligations, however this is just not reasonable. I would very much appreciate any help/advice you can offer me to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with STERLING JEWELERS, INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I went to Jared Jewlers in XXXX Florida with my girlfriend to purchase a engagement ring. We choose a ring that she was extremely excited about. I traded in some diamonds which they gave me a {$2500.00} credit for and asked the Jewler XXXX to remove XXXX halo of the small diamonds and replace them with a halo of sapphires, he advised I would receive a {$200.00} credit for those diamonds. I put down {$3000.00} and was left with a balance of {$10000.00}, when I was reviewing the paperwork it said my payment would be interest free for 19 months at {$340.00} which was in my budget. I picked up the ring a week later and proposed to my now fianc. Approximately a month later I received a monthly bill for {$580.00}. I was shocked and thought there must have been an error. I called the credit card company and they explained that to get some sort of points credit XXXX had set up my credit card account based on {$6500.00} and later after I left the store called the credit card company back and added the additional {$4000.00} which increased my payment from {$340.00} to {$580.00}. I explained that I was told that my payment was going to be {$340.00} and not {$580.00}. I later went to the store and spoke to XXXX in person with my fianc. She was there when he told me that the payment was going to be {$340.00} monthly. XXXX demeanor was quite different, I got the sense that he had done this many times to many customers. I asked him if he could extend the term to make the payment affordable with in my budget and what he had told me it was going to be and what the paperwork said. He told me that there was nothing he could do to change the payment terms. I left and started researching Jared 's on the Internet, I discovered that many others customers of Jareds had similar experiences. It is not only illegal but also unethical to tell people there payment is one amount when it is actually another amount, especially when it is in writing. For an associate to quote one payment amount, put it in writing, and state that is the payment amount but later after the customer leaves the store to call the credit card company and add amounts to their credit card to later increase the payment. This is pure extortion, and against the law. I am hopeful this matter will be resolved amicably. In XX/XX/XXXX, I paid my first payment of {$400.00}, {$56.00} more than the amount that I had agreed to both verbally and in writing. I have received numerous collection calls since I made that payment informing me that I am delinquent and threatened that my credit score would be negatively impacted due to my delinquency. I look forward to hearing back in the near future how we can resolve this issue. Sincerely, 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 08-05-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Fraud or scam

Complaint: I was almost victimized by a company because they made the assumption that I would be a regular user of their services. Many, ( especially web sites ) businesses use this underhanded tactic to steal money from unsuspecting people. I think that something should be done to stop these companies from preying on people. I used the services of XXXX one time in XXXX of this year and I paid them {$19.00} for their services. They turned around and charged me for a month 's fee in XXXX, ( {$22.00} in XXXX ( the same day ), however, I used PayPal, and somehow PayPal neglected to pay them any more money until XXXX XXXX. 
I called them as soon as I realized that they had done this and demanded a refund of at least the XXXX XXXX payment and they did so. This should not be allowed to happen. At the risk of offending someone reading this, I feel I must say that this is the reason why XXXX XXXX has gathered so much support in this country. Many of our business leaders think that things like this are a good way of doing business. The charges should be posted in such a manner as to leave no doubt in the consumer 's mind as to what hey are consenting to. The consumer should be given the choice at the time of purchase of whether or not to have a recurring bill.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear XXXX CFPB : Im a survivor of a XXXX, and now Im working, due to a financial issues, I purchased my home in XXXX XXXX XXXX XXXX XXXX Ca XXXX, for {$700000.00} and put a down payment for {$150000.00} I was stilled employed in the city of XXXX XXXX and earning {$75000.00} a year, after we got in the home we discovered that the house has a severe fire damaged, they re-paint, reconciled it with new sit ruck, we went to court, and there was a misrepresentation, fraudand negligence, but I was not awarded a monitory fund, due to my lawyers, missing someimportant documnts, to showed to the judge. I have to withdrawn my XXXX for {$75000.00} and {$15000.00} to supplement the legal fees, and fixed some parts of the house. At that time Im under a forbearance payment, the original mortgaged was XXXX XXXX, and they file bankcrufsy XXXX, on 2008, then my mortgaged become, US bank, Im under forbearance payment, and never missed the payment, but my house was wrongfully foreclosed, US bank sold it to the investors instead, I was given an eligible for Independent foreclosure review, and was awarded some money, I lost every thing, and what Im asking to US bank, that since they wrongfully forclosure my house, and denied my modification, instead they sold it to the investors for more than 65 % due to the fire damaged of the house, they should removed my forclosure records, because I never missed any payment to XXXX at that time, then US bank took over, and the federal banking regulators the office of the comptroller of the currency and the office of the governors of the federal reserve system, granted me an eligibility from this wrongfull forclosure. US bank should removed my records, Hoping for your prompt reply to this matter,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a letter XX/XX/18 It stated I owe XXXX XXXX for over {$2000.00}. 
This is the first time i have seen anything regarding this. 
It does not show on any of my credit reports, nor XXXX XXXX XXXX XXXX XXXX XXXX. 
I would like more information regarding this account. When was it opened, why is it not on any of my credit reports and why is this the first time I'm hearing of it? 
I work Monday - Friday XXXX - XXXX Please call me hours other then those time or email me with information. Thank you. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX I received notifications from the three major credit reporting agencies that Portfolio Recovery submitted two collection accounts to them. On that same day I called Portfolio Recovery and was told by a representative and supervisor XXXX XXXX that on XX/XX/XXXX letters were sent to XXXX XXXX XXXX and on XXXX XXXX they were returned as undiliverable. They stated on XX/XX/XXXX they sent another letter to XXXX XXXX XXXX, XXXX GA. Neither of the addresses that they sent letters to are mine. When I called there office after not receiving a letter and having the accounts placed on my report, upon calling the representative stated my correct address upon taking the call. However they failed to notify me at that address before placing the accounts on my report. They have violated the law.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Billing disputes

Complaint: Capital One is fraudulently working with a company called XXXX, causing interest and unwanted harassment and meaningless wastes in the universe. They must be stopped! XXXX They refused to speak with me when I informed them I was recording the conversation.

Company response to consumer: Closed with explanation