milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: AFFIDAVIT OF TRUT H 1 > b ank of america has NEVER responded with a timely valid response   2 > bank of america continues to commit felony crimes 3 > bank of america makes contradictions on their response 4 > bank of america makes threats on their recent response 5 > bank of america fails to show a valid lifetime contract with me 6 > bank of america fails to show VALIDITY of ALLEGED debt after over 10 complaints!!!!!
7 > bank of america is using fictitious names numerous times with is a FELONY and a 1,000,000 fine and up to 15 years imprisonment 8 > bank of america sends me a statement, a statement is not a TRUE BILL!!!! buy a dictionary!!!
9 > to this d  ay  XXXX   XXXX    XXXX  , bank of america can not VALIDATE an alleged debt and commits further crimes and CAN NOT AND WILL NOT RESPOND!!!    10 >  bank of america makes presumptions, and sends me their rules and regulations, I didnt sign it,, and the account has been closed for over 7 years now, and they still try to use methods of threats and extortion to obtain money of an alleged debt!!! clearly criminal activity, show me tangible evidence of a  LIFETIME CONTRACT!!! they cant do that either, they can not respond wit h any validity ON ANYTHING, so as the law states ; silence is acqueecence silence is fraud silence is GUILT!!!     Now I must demand their bonding company and or insurance liability   carrier to file a lawful CLAIM FOR DAMAGES!!!
NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and i  s punishable by up to 15 years imprisonment and {>= $1,000,000} fine.

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 05/17/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Trouble during payment process

Complaint: I have previously filed a complaint against my mortgage lender, SPS, and after reading their response, I still am unsatisfied with what they are stating. My number one issue is the fact that they breached their contract with me. When I received a loan modification through XXXX XXXX XXXX, XX/XX/XXXX, the agreement was that my property tax and homeowners insurance were to be impounded. When SPS took over my loan in XX/XX/XXXX, they agreed to all terms of my loan modification. I received a letter in XX/XX/XXXX from SPS stating they are not responsible for my homeowners insurance and that I would need to pay it myself, due to the fact my home was considered a condo. I had no problem paying my own insurance for my home, however, when I was given a loan modification my mortgage payment included my property tax and my homeowners insurance, when they were no longer paying my insurance, my mortgage payment should of decrease by the amount going to my insurance company THIS NEVER HAPPENED. When I questioned the situation SPS stated my homeowners insurance was the responsibility of my Homeowners Association. This was absolutely false!!!! I pay 2 homeowners associations totaling {$200.00}. I wish my insurance was being included. SPS also stated that my mortgage company NEVER paid my insurance, which once again is false. Attached is a document from XXXX XXXX showing XXXX XXXX XXXX previously was paying my insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AK).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Both Fed and non Federal loan should be able to be checked, I have both. I was injured on the job and because my employer chose to keep me employed and use the feral program for reeducation before my separation was forced, I ended up with both problems of having to fund my own and use loans as well as face unemployment with injuries. XXXX with XXXX with time. This was known to the first application then sold to the next holder and always mentioned by myself to the originator and have not for so many years been offered help to apply for forgiveness of some kind if at all available only to differ under forbearance. All the while the state has full overview of my case seeing that it was to provide for medical care for life yet the private and the state insurance are and where both the same ... ... .I have been manipulated by the legal hoops that lead to help and the state regularly through the private section controvert me regularly. Upon the provision of the state know that the case is for life. Also particular to my case there is no primary designated to oversee any needs or forms they knew this at the time of agreement. Any how I have regularly attempted to go back to school and finish some course work regularly but have struggled more recently with time elements. and funding even for tuition that would have been covered by the employer had they not snubbed me, scrubbed me, forced me to resign. Some thing stinks and this is only the short outline of happenings. Thank you Regards

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: A security breach at Equifax on X/X/17 put my credit in jeopardy. I contacted the company was was informed I needed to place a 90 day fraud alert on my file. I feel that this should be the responsibility of Equifax! I protect my identity, my home ... I work hard for all that I have. I did n't do anything wrong and I do n't deserve to take care of this problem on my own. I went ahead and placed the fraud alert on my file and disputed incorrect information on my file like they told me too. Since this " resolution '', I have been informed by other sources of several other major problems. The only tool used to confirm whether one 's credit was jeopardized by this breach requires you to sign a waiver for joining any class-action lawsuit in the future. It is my right to know if my information is at risk by someone else 's hand and it 's my right to get justice for the wrongs done to me. Period. I did what I had to do to find out if my identity was at risk but I am furious that I wo n't be able to get my due justice. The other insane issue brought to my attention is this story that three executives from Equifax sold their stock the day after the breach. This data breach happened a month ago and was only brought to public light this week. Shameful! I demand my identity protection.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has failed to provide me with validation of an account I had disputed by mail correspondence sent to them last month. 
This is a debt I believe to be frivolous and the company 's failure to respond with validation proves that this is indeed a frivolous account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a XXXX debt that has circulated among collection agencies. I have sent dispute letters each time that I do not owe this debt. I have never subscribed to have XXXX service nor have I ever authorized anyone to open an account in my name. I have requested proof that I opened the account and that I have ever made payments on the account but all they do is switch to another collections agency. Then the new agency puts it on my credit report. This is really annoying. I should not have to keep disputing a debt I do not owe. If there was an account started in my name, they should figure out who was paying it and go after them. I DO NOT OWE THIS DEBT. I will greatly appreciate any assistance you can give me to stop this madness. The current collections company is ERC ( Enhanced Recovery Corp ). I have disputed this with XXXX because it is showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (AZ).
Issue: Managing, opening, or closing account

Complaint: Received unsolicited pre-paid debit card. 

When I attempted to contact customer service the phone tree was always looping back to account activation where they requested DOB and SSN. There was no possible way to talk to a customer representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Rewards

Complaint: I have applied and was approved for a new XXXX card on XXXX, using a promotional offer which required me to spend {$3000.00} on the card within three months of account opening to receive XXXX Membership Rewards points. I have completed the spending required in XXXX and have received the rewards towards my rewards account, however, my account has been frozen since then " to review that all purchases meet qualification criteria '' which means that I effectively can not use the rewards which I received after successfully completing the spending required for the offer ( and paying the {$450.00} a year annual fee ). My account is in good standing and I have paid all the balances on my account. 

I was told that the review takes 8 weeks but it has been more than that at this point and my calls to XXXX did not resolve the issue. Please help me unfreeze my rewards account to make use of my rewards points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Payday loan, title loan, or personal loan (Installment loan) with Prosper Marketplace, Inc. (OH).
Issue: Getting the loan

Complaint: I was contacted by message, after applying for a loan. Said I was approved for XXXX dollars, and money would be deposited into my account. I contacted them after looking the up, and it did show as ligitiment number, and Company. However on XXXX XXXX, 2017, a deposit in the amount of XXXX was deposited as a payroll mobile deposit. All of my accounts are now locked until further notice. So now I have no way to access my accounts to pay my rent. When called, the company said it was on hold because of a low credit score and that they could continue the loan through XXXX XXXX, and cost me XXXX  dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing

Complaint: I XXXX that happens to be a Corporation. I wanted a new credit card that I could use for expenses XXXX vendors, etc. ) that would offer high acceptability and rewards. I opted for the Capital One XXXX for XXXX, that offers 2 % cashback on all purchases. Like the other XXXX accounts the corporation has, it requires a credit check for both myself and the corporation. The other XXXX accounts, XXXX with XXXX and XXXX XXXX, all report only to the Business entity, since it is a corporation and is treated as a separate person. In applying for those XXXX lines of credit, they show up as a 'hard ' credit inquiry on my personal credit, which was XXXX understood and assumed. However, the Capital One credit card shows up on XXXX on the business entity and my personal info. Highly unusual, but as I understand, legal ( especially when considering my excellent credit ). I informed them of this perceived inaccuracy and they assured me this is their standard practice, to dual report on all businesses, regardless of type XXXX sole prop, llc, corp, etc. ). Unsatisfied, they transferred me to a kindly young lady named XXXX at executive account resolution. Over the course of approximately 3 weeks, she was unable to provide any written disclaimer stating this was the practice of Capital One. As of today, she directed me to a statement that is located on the XXXX Bullet Point of the section titled " Additional Terms and Conditions '', which states that we ( I and the business ), " Authorize the receipt and exchange of credit information on XXXX the Business Signer and the Business, including the exchange of information between Capital One and affiliates ''. This is not a disclaimer relevant to my concern. If it had been known to myself that dual reporting to the XXXX credit agencies was to be expected, I would not have applied or accepted this credit offer. I suspect strongly that this is not easily solved- not for a lack of being complicated, but for a lack of stubbornness on Capital One 's and the credit bureaus. I have not contacted the Bureaus since they have not done anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MS).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I purchased a new car in  XXXX  in which it was financed b y Santander Consumer USA. The payments were going fine until I experienced  financial hardships in  XXXX  and fell behind on payments. When I contacted them I was told that since the payments had not been made that the truck had been charged off in which {$27.00},  XXXX  had been written off. I am still in possession of the truck and making payments. I was told by the company that in order for the charge off to be taken off my credit report that I had to pay the loan out in full. I am concerned about this matter because I am paying the note every month but it is still negatively impacting m y credit score. I do  n't think this is fair and not sure of what a fair resolution would be but I do feel that it is unfair to continue to pay the note and it still negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with National Enterprise Systems, Inc. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I set up a payment plan with them a year ago. They took the initial {$750.00} and put it toward interest instead of toward the principal. I now pay them {$150.00} per month and all of a sudden I got hit with a {$140.00} fee in XXXX and no one can tell me what it is and I have n't received any call back once I 've been promised that they would research the fee and call me back. It is still showing a deliquent on my credit report even though I have been making on time payments for the past year in the correct amount that was agreed upon. I will pay off my mortgage before this loan is ever paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Medical) with Choice Recovery, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There are a total of XXXX OPEN Accounts being reported with this company : 1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 
2. Although I had no knowledge of this account, since it was on my credit profile, the debt was discharged in bankruptcy. 
3. This information was also shared illegally ( third party ) without my informed consent.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 08/26/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I am applying for a modification with Caliber Home Loans. I have submitted all required documents. But they have not postponed the foreclosure sale scheduled for XXXX XXXX. I am really worried they will foreclose and I will lose my home before there is a chance to review my application. 

I have worked real hard to get everything in, even though there have been delays caused by Caliber. Every time I send something it takes them up to 5 days to even confirm if they received the documents. Sometimes they reject documents without any good reason. For example I sent a XXXX page fax on XXXX XXXX. I am attaching the fax confirmation page. I paid to send it from the XXXX store. The worker sending the fax noticed that one of the pages did not go through right. So she put that page at the end of the fax to make sure it got through clearly. Caliber said they did receive the fax, but because that page was on the end of the package instead of in the middle, they rejected the whole thing. Since it had taken a few days for Caliber to process and inform me they were rejecting the package, this caused a delay. I then had to re-send the whole package. Another time before that I sent an XXXX form and XXXX along with bank statements, XXXX forms, and other documents. Caliber rejected the whole thing because I had not faxed a page that was attached to the original form that had a " notice to borrowers '' but did not ask for any information from me. So I had to re-send all of that, again after several days of delay while I waited for Caliber to process the documents and then let me know they could not find those pages. 

This is even more frustrating because earlier this year Caliber illegally foreclosed on my home. I made a complaint with CFPB ( complaint XXXX ) about how they broke FHA loss mitigation rules, failed to respond to the modification application I submitted through a HUD certified counseling agency, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX - ( Online disputes ) To EXPERIAN, I demanded validation of unauthorized inquiries, duplicate, inaccurate State tax liens, and an inaccurate and obsolete bankruptcy being reported on my credit report. 

XX/XX/XXXX - In EXPERIAN Report # XXXX, EXPERIAN reported that EXPERIAN 's investigation was complete. Two inquiries were " Deleted ''. The duplicate, inaccurate State tax liens and the inaccurate and obsolete bankruptcy were not invesitgated, verified, nor deleted XX/XX/XXXX - In EXPERIAN Report # XXXX, EXPERIAN that the duplicate, inaccurate tax liens were " Deleted '' BUT that the inaccurate and obsolete bankruptcy " Remains '' because the furnisher verified the information as accurate. 

XX/XX/XXXX - ( Document # 01 ) Via EXPERIAN 's online document upload portal, I disputed the inaccurate, obsolete bankruptcy EXPERIAN was still reporting. 

XX/XX/XXXX ( Document # 02 ) Following telephone calls to EXPERIAN, via EXPERIAN 's online document upload portal, I disputed the inaccurate, obsolete bankruptcy EXPERIAN was still reporting again. 

XX/XX/XXXX- In EXPERIAN Report # XXXX, EXPERIAN asserted that " Each national consumer reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each comany has their own policies and guidelines for disputing information. '' Again,  EXPERIAN neither vaidated nor deleted the inaccurate, obsolete bankruptcy that EXPERIAN claims the furnisher did provide verifiable documentation.

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 03-09-2017 about Debt collection (Credit card) with Account Discovery Systems, LLC (WI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Accouny Discovery Systems disclosed information about my debt to a third party without my consent. Today after requesting them not to contact me at work or any other person who is not me trying to get a hold of me, they dishonored my request and contacted my mother at HER job. Instead of keeping my information discreet, they shared that they were attempting to collect a debt from me after my mother asked who was calling. Is n't this supposed to be against the law? The fact that I am in debt should not be shared with anybody without my consent. I am getting tired of them harassing me and calling my employer and family members several times a day. I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Since 2010 I have been harassed every six months by US Bank to provide proof of flood insurance. 
Each time I receive a letter that says I must maintain at my expense, flood insurance in the amount equal to the lesser of : 1 ) The replacement Cost of the dwelling ; 2 ) The maximum available under the National Flood Insurance Program, currently {$250000.00} ; or 3 ) The total unpaid balance of the loan plus the total amount of all lines of credit, secured by the above referenced property. 
I currently have an outstanding principal balance of $ XXXX and a flood policy provided by the Condominium for full replacement value of the building for {>= $1,000,000}. I do n't think it matters what the per unit value calculates to even if I am upside down on the loan so long as the policy reflects that it is the " replacement value ''. 
I have also had to deal with in the past that the flood insurance does not match the amount of the hazard insurance. This is not one of the their requirements above. And they have to understand that different insurance companies use different models to calculate replacement value. And if one is over-insured on hazard insurance there is no reason to have the flood at the same value. The key is that the insurance declares replacement value.

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 08-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar is not acknowledging my appeal request even though it was faxed it prior to the due date and have decided to proceed with the auction of my home and not allowing me any options besides reinstating {$80000.00} which I currently do not have or short selling my home. They have denied me for all government programs due to my house being upside down in equity. It is not my fault the housing market it not what it used to be and I feel this is an unfair reason to deny me of options to save and keep my home. I was denied because they said they were unable to create an affordable payment. I can afford the payment not that my expenses have reduced so why ca n't they just allow me to make my payments?

Company response to consumer: Closed with explanation