milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: It seems like with every correspondence from Bank of America a new angle to XXXX consumers is revealed. In my latest correspondence and this has nothing to do with any of the other complaints so BOA can not state that this has already been addressed ... With this latest correspondence they state I owe them money but at the same time have placed {$700.00} in a 'unapplied funds ' account. You know what this means? It means they have taken and are holding, and using, and profiting from the use of my money. There is no reason in the world why they would or should not apply that money to my account except again, it 's a way to XXXX the consumer. They can state their logic but there is none and actually this is n't first time. A couple times they held money to later issue a check but without any interest to me. In fact when asked, they refused to apply the money to principle. The last time I checked, BOA or any bank does n't let you use their money without paying them interest and usually some fees so why do n't they pay consumers interest or better yet, apply extra funds towards principle on a loan but oh yeah, that means they make pennies less on the loan in the long run and that goes against everything modern day banking stands for!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Struggling to pay mortgage

Complaint: My house was foreclosed back in XX/XX/2010. There was a full auction on my front lawn and a closing. Also, I received actual XXXX XXXX, tax documents from the bank, that I used on my taxes to prove I no longer owned the home. a few years later, I did some research and found out they illegally foreclosed. However, Then, they started charging for payments during the months and years they had legal ownership. My credit and credit report has been affected. And to start this whole process over, without working out a fair and equitable modification would be punitive.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Management Partners, LLC (SC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I received a notice from DSG Collect, dated XXXX XXXX, XXXX, notifying me that they were attempting to collect a debt. In response to their letter and repeated auto-dialer calls to my cellular telephone, I sent a letter, dated XXXX XXXX, XXXX, instructing DSG to stop all communication. The letter was mailed to DSG Collect, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX, which was the address clearly listed on their collection letter. Tonight, XXXX XXXX, XXXX, I received a missed call and voicemail on my cellular telephone from " XXXX, '' advising me that he was calling on behalf of DSG Collect and that this was an attempt to collect a debt. This company has already violated the XXXX by using an auto-dialer to call my cellular telephone. Now, they have violated the FDCPA by contacting me by telephone after I sent a written cease and desist request.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Managing the loan or lease

Complaint: I discovered myself that I had a FRAUD ALERT that I was not aware of on my XXXX Bank account. As I searched my account I clicked on Credit Alert which was located under Credit Tracking. XXXX is not only a bank but also a credit alert company that I do not pay extra for this feature. I never received an alert from XXXX notifying me of this new alert so I called them wondering why. I was told that this alert did not show up anywhere on their records. The XXXX Credit bureau also failed to notify me of any changes on my credit reports. So I copied and pasted the XXXX inquiries that I was looking at for you to view and to see and what I am talking about. You will be able to download it from the attachment I sent to you. I find these inquiries to be troubling, quite strange and suspicious. Can you please investigate these problem? 
1. Carecredit.comProcessed Date XXXX Reported XX/XX/XXXXCommentsStatement added because consumer was a victim of true-name fraud # IFCRA ( XXXX ) XXXX ( XXXX ) XXXX statement : You placed a fraud alert on your credit file. 

2. Processed Date XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX Address Street Address Line One XXXX XXXX XXXX Address City XXXX XXXX Address Zip XXXX Address State XXXX Address Street Address Line One XXXX XXXX XXXX XXXX Address City XXXX XXXX Address Zip XXXX Address State XXXXNew inquiry : A business added a new hard inquiry to your credit file. 







3. Processed Date XXXX Number XXXX Name SYNCB/CARE CREDITIndustry Type Miscellaneous Finance CompaniesStreet Address Line One XXXX XXXX XXXX XXXX XXXXZip XXXX XXXXAccount Balance 0Payment Status CurrentCreditor Preferred Contact OtherNew trade account : An account provider reported a new account to your credit file. 
. 

4. Credit XXXX InquiryProcessed Date XXXX Name XXXX XXXX XXXX XXXX Address Street Address Line one XXXX XXXX XXXX XXXX Address City XXXX Address Zip XXXX Address State XXXXInquiree Address Street Address Line XXXX XXXX XXXX XXXX STInquiree Address City XXXX Address Zip XXXX Address State XXXXNew inquiry : A business added a new hard inquiry to your credit file. 

See alerts of critical changes to your XXXX report. View alerts about any delinquent accounts, fraud alerts, new accounts or addresses, and names that may point to potential identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Thursda y  XX/XX/XXXX  Syn chrony called our house at  XXXX   XXXX . The person had a heavy accept most likely from  XXXX . The last name was ours,  XXXX . I could n't understand the first name. I said I could not understand but why are you calling at  XXXX   XXXX . The person hung up.   I called the number back. It was indee d Synchony Financial.  We have excellent credit and our  XXXX  accounts are ahead of schedule. I 'm paying off  XXXX  this month. It is due next year.  The other w ill be paid off by the end of ''tis year. It 's due     XXXX   2019.     The person apologized after looking up our accounts - not before. In fact when I said  XXXX   XXXX  her response was she must have thought I was on th e East Coast. T he area code is California. She supposedly submitted a customer complaint. I doubt it. I did n't get a copy.   I asked for an apology frim the caller during normal hours. I doubt sny action has been taken and another person with excellent credit who is paying off the card earlier than the promotional period will be woken by this person.

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Retrieval-Masters Creditors Bureau, Inc. (CO).
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: Began sending letters in XX/XX/2017 to dispute items I believe are not in compliance with the provisions of FCRA and the FDCPA. The accounts in question are XXXX XXXX XXXX and American Medical Collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (ME).
Issue: Loan servicing, payments, escrow account

Complaint: On or around XX/XX/2015, I was notified by mail that XXXX XXXX XXXX was selling my mortgage to Carrington Mortgage Services ( CMS ). Since XX/XX/2015 I have been UNABLE TO MAKE ANY ADDITIONAL PRINCIPAL PAYMENTS TO THIS ACCOUNT. The prior history shows that I have always paid {$800.00} per month for a monthly loan payment of {$760.00}. It may not seem like much but {$36.00} extra each month adds up over the life of a mortgage. 
I have contacted Carrington numerous times with NO RESOLUTION. I pay on time, each month. I do n't think this is legal. When my loan originated, there was a no prepay clause. They assumed the loan, they should be required to HONOR the terms, just as I am expected to pay according to the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: NE Credit Collections is reporting to my XXXX credit file a collection in the amount of {$640.00} with a delinquent/open date of XXXX/XXXX/XXXX for XXXX XXXX XXXX. After research, I found that XXXX XXXX XXXX is located in XXXX XXXX XXXX. I have not lived in XXXX XXXX XXXX since XXXX. I lived in XXXX, XXXX from XXXX, then moved to XXXX in XXXX XXXX to XXXX XXXX. I have been at my current residence in XXXX since XXXX XXXX. They are in federal violation of inaccurate reporting/re-aging a debt with a delinquency date of XXXX/XXXX/XXXX. Furthermore since I have lived at my current address since XXXX XXXX, they are in violation of not sending out a 30 day collection activity letter to me for validation of debt as this debt was paid by medical insurance in full a long time ago. I disputed with XXXX but NE Credit Collectors came back to XXXX that it was mine debt and it remained on my credit file as disputed. This has caused me to be denied credit at times and caused harm to my credit file. I can prove my residence dates and if this is not deleted immediately, I would like FCRA penalties and fines levied on NE Credit Collection and proceed with litigation. This is inaccurate reporting of dates and a debt not owed and should be deleted immediately. This is also a HIPPA privacy violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Vehicle loan or lease (Loan) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX 2014 my husband and I bought a mini van from XXXX. XXXX in XXXX Ma. We had nothing but problems form the initial inspection it failed. They fixed the issue ( horn ) but we had multiple problems the entire time we had the van. On multiple occasions XXXX the manager of there auto shop never returned my calls about needing things fixed. We had no choice but to give them the van back. We were not comfortable butting our children in it because we never knew when the next issue would arise. XXXX was very understanding when i showed up to give them the van, they even seemed somewhat aware of similar situations. The problem we are having now is it is listed on our credit reports as a repo and having a balance and it is making it difficult for us to move ahead. We really had no other option but to bring them the van back as we did not feel it was safe for our children to be in.

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 07/24/2016 about Consumer Loan (Vehicle lease) with U.S. BANCORP (NJ).
Issue: Managing the loan or lease

Complaint: My end of lease excess mileage cost was calculated incorrectly. The company will not fix it and has ruined my credit.

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 09/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was approved to begin tracking payments for Public Service Loan ForgivenesXXXX with XXXX. XXXX incorrectly calculated my qualifying payments and dates of employment. I would like this resolved so I can begin tracking my progress toward loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/26/2016 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have several student loans owned by NCT ( or XXXX ) and due to my worsening XXXX XXXX I have been unable to work for some time. I am receiving Social Security XXXX, have been approved for a XXXX XXXX discharge, and approved by XXXX & XXXX for a full discharge of the student loans that they held. I asked NCT for a compassionate review of my private loans ( totaling over {$40000.00} ) 8 months ago and they have responded with requests for more information, but have not forgiven the loans ( or made any effort to compromise ) despite my promptness in getting the information they requested. At this point, my loans are soon to do into default which wo n't do anything except destroy my credit because I do not have the ability to pay these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The US Postal Service errors on an individual Change of Address ( COE ) for one member at a household address by applying the COE to other member ( s ) of the same household address. 
The US Postal Service reports the erroneous change of address to a bank and/or credit card company, who changes their records for the erroneous person. 
The bank ( XXXX XXXX ) then informs the Credit Reporting companies of the change of address of the erroneous person. 
The bank also informs the Credit Reporting companies of the change of address of a second erroneous person. This second person is on the account with the first erroneous person but was not reported by the US Postal Service as having a change of address. 
The Credit Reporting companies effect an erroneous change of address for two people. 
There is a potential for ID theft!

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 12-04-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I have several accounts with JP Morgan Chase. I received a notice on XXXX/XXXX/2015 that my mailing address was changed. I have been using my P O Box address for more than 10 years. In fact, I never requested to change my mailing address at all. Chase changed it without my approval and authorization and claimed that is " a protection to me '' which I totally disagreed. I called on XXXX/XXXX/15 and talked to XXXX ( supervisor of CA Banking ) and opened the case number under # XXXX. I needed to know who made such mailing address changed requested without my approval. That is the reason XXXX opened a ticket and someone would contact me. XXXX/XXXX/2015 a research support lady name XXXX XXXX at XXXX x XXXX called me. She is not helpful at all and claimed changing address from my mailing address to my residence address without my authorization is legal and is a protection to me. I totally disagreed. Customer has the right to use different address and bank shall respect the customer 's decision. I never request to change and someone changed for me and XXXX still claim that is legal and benefit to me and not feel nothing wrong for Chase 's overwrite at all. In addition, she kinds like a threaten to me by saying " Do you want to have a banking accounts with Chase? '' Sounds like if I do n't satisfy that changed address without authorization and I should cancel and close all my accounts with Chase. That is so ridiculous and unprofessional. I told her that I will file complaint to CFPB because that is totally unacceptable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On several occasions, over the last few years, we have had problem after problem dealing with Navient and their practices as it pertains to my private student loans. During the last three years, they have made several claims that we have defaulted on the loans, and missed several payments so I can not have my co-signer released from the loan. As we get close to the two year mark in order to have my co-signer released, they claim the missed payments, late payments or that we have been in default. 
Also, during a period of XX/XX/XXXX to XX/XX/XXXX, we made a change as to our banking. During that period Navient tried to withdraw funding from both the new bank as well as the old bank. When the payments were denied through the old bank, Navient penalized us and assessed late payment and returned payment penalties. Also during this same period, we have tried in vain to deal with Navient as it pertains to setting up automatic payments from our new bank. 
Navient would not allow this as they claimed those missed, late or in default payments would not allow us to be enrolled in the automatic payment program. Yet, on several occasions we had given our banking information to Navient to have the automatic payments set up and they did not inform us that we could not be part of that program. So, we were under the impression that we had been in fact part of the automatic payment program, but in all actuality we were not. It was not until two to three weeks later when the payments were missed, due to no fault on our part, Navient would call us demanding immediate payment. We explained that on several occasions that we were led to believe we were part of that automatic payment program and this should not have happened. Those within Navient then became rude, insulting and dismissive as to our questions and concerns. 
On several occasions we want to continue in the lower aggregated repayment program, but Navient said that we could not continue in that program as we were in default, missed payments, had payments returned and other assorted reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I had gone to  XXXX  collage and had got a student loan from  XXXX   XXXX   ( navient ) I w as never able to repay my loans and I get harassed by phone calls and emails for payments how ever I am a stay at me mom with  XXXX  children now and am on public aid to help make my way I herd about the lawsuit an I very interested if I of have known better I would have made a better decision I would like to file my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I didn't authorize this inquiries on my report. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 07/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Upon reviewing my Transunion credit on XXXX/XXXX/2015 I found there to be 6 Derogatory items ( XXXX, XXXX XXXX, XXXX, XXXX XXXX 2 XXXX ) AND 5 Inquiries ( XXXX ) that I know nothing of. I did not apply for credit with these companies and I did not receive credit from these collections. I disputed these items with Transunion, then proceeded to contact these companies to dispute these items as well as request information on these debt through certified mail. These companies did not respond at all. It has been more than 30 days so I sent Transunion a package with copies of all my letters of dispute to these companies as well as a request to remove these items from my file. Transunion has ignored my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted the company concerning inaccurate information reporting to the credit bureaus. They provided me with all payments that were made on my account and when I called them wanting to know why are they reporting payments being late per the documents that were provided by there company. I was advised they were not changing the information. Im discussed with the way this company is treating there clients.

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