milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Loan servicing, payments, escrow account

Complaint: On numerous occasions I have had to escalate my calls several times to get any assistance with getting Bank of America to release my insurance funds held on a property claim. Not only am I having to deal with the stress of the tornado damage destroying my home, insurance process and rebuilding process, but when it comes to getting my money release to pay for repairs I should not have to be put threw the XXXX degree and have to call back a minimum of 3 times to get a payment released. I am told it only takes 2-3 days to get a check issued, but I have yet to get a check within a min. of 3weeks. 
In short, I can not solve the problem myself, and I do not want to continue to be provided the unacceptable service I have been provided. 
The last request for a draw on funds to pay the XXXX was submitted XXXX and no check has been issued and the bank could not give me a reason why. I need to bank to release the remaining funds being held so that I can finish rebuilding my home.

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 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was going over my credit reports Trans Union, XXXX, XXXX and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Auto) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX, I had a vehicle repossessed due to a late payment. They just came and took the vehicle so I thought that the matter was closed. Now, XXXX years after the fact, this 'collection agency ' continues to call at all times of day, all days of the week. I 've blocked their number and all they do is use another number. They 've used at least XXXX different numbers and my block list is now filled. I 've even gone so far as to have my number changed and had it unlisted and unregistered. Despite this, they somehow were able to get my new number. The statute of limitations has long past and I 've told them directly that I have no intention of paying them a dime. Checking their record on 'reverse yellow pages ', apparently mine is not an isolated case. Their practice extends to XXXX of people in nearly every State. Please SHUT THEM DOWN. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I requested validation of collections/ negative accounts on my credit report and I received what looks like a bill/statement. They did not properly validated these accounts and I request removal of these accounts from my credit report. These accounts are still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Application, originator, mortgage broker

Complaint: At the end of XXXX 2015 I applied for a mortgage with Bank of America ( BofA ) to buy a house in XXXX, VA. I provided the Loan Officer with any information requested and I told him that I live and work XXXX ( XXXX ) because I 'm a XXXX. On XXXX XXXX BofA charged me {$450.00} for the property appraisal which was done on XXXX XXXX. On XXXX XXXX the Loan Officer informed me that my application was rejected " because you are XXXX and buying a property here ''. Considering that the basis for denying my application ( XXXX ) was known to BofA since the beginning of my mortgage application, BofA should have denied my application right away and for sure they should n't have ordered ( and charged me ) the appraisal cost.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Eagle Accounts Group, Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I did not authorize any hard inquiry with this company. 
I do not recognize company this was fraud. 
This is fraud.

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 01/24/2018 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX, XXXX XXXX XXXX sold my mortgage to Carrington. I was unaware this had happened until the end of XXXX and did not receive contact information from the new loan servicer, Carrington until the end of XX/XX/XXXX. They would not let me pay via online, by phone via automated pay, or set up a draft. I mailed in payments via check for XX/XX/XXXX and XX/XX/XXXX, which cleared. The payment I mailed in for XX/XX/XXXX never cleared and yesterday they returned my XX/XX/XXXX check for payment with a generic letter refusing to accept it until I pay the full amount required but did not state in the letter what the amount is. My monthly mortgage payment is {$1300.00}. For XX/XX/XXXX and XX/XX/XXXX, I paid {$1400.00} each month. For XX/XX/XXXX, I tried to pay {$1400.00}. I have tried to contact them via " online chat, '' via email and also via telephone. I tried to pay by phone and the automated system and they will not allow me to, nor does my online account allow me to pay online. I also attempted to set up auto-pay from my checking account and it will not go through.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Debt collection (Medical) with Works & Lentz of Tulsa, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company states that I owe a Medical debt for XXXX during the month of XXXX XXXX. I did not receive any medical services that would require XXXX in XXXX XXXX, or XXXX. They state they sent statements several times to my Oklahoma address, which they did not. I have asked their lawyer by mail to furnish me proof of this debt. He has not. I sent their company a letter asking for proof as well, their address was included in a letter from their lawyer, they did not provide me with any proof of debt or any response at all. 
I am a respectful, professional medical person myself. I pay my debts. I do not owe this debt. They have not provided me with any kind of proof that I do owe the debt, despite requesting the proof, multiple times. 
I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: A direct marketer, XXXX, contacted the Citi bak cardholder, and elderly woman with diminished memory, and manipulated her into providing information that enabled them to charge her card for an extended warranty on a vehicle registered in her name. The car has not been driven and the cardholder does not drive.
There has been an effort to contact the direct marketer, but every time additional information is requested and subsequently nothing is done when information is provided. When the charge was initially posted, Citi was notified that it was not a valid charge. there was initially a credit, but then it was reversed. After the reversal, another case was opened with Citi, but now they are stating that too much time has passed, and that they can not dispute this transaction as unauthorized as we previously advised them that this transaction was knowingly entered into. This is incorrect. they were advised that there was a phone call where the direct marketer obtained the necessary information to be able to charge the account, but it was not agreed to and has been disputed from the beginning. We have attached the latest correspondence we sent and received. We have all the documents if needed.

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 06-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: 1. Alt hough I have been paying my loan since  XXXX / XXXX /   2002  after a consolidation of my federal stafford loans, my original loan balance has only decreased slightly. My original amount was {$27000.00} and my current payoff is still {$24000.00}. If I continue making payments as scheduled, I will pay another 10 years and essentially pay double what I originally borrowed. I had  XXXX  windows, which one was a personal bankruptcy in which I did not make payments, but for the majority of time I have made payments.    2. I  have applied and been denied numerous times loan forgiveness for programs that I should have qualified for (  XXXX   Loan Forgiveness and Public Service Forgiveness ). Both have been denied due to loan dates and my consolidation. I have applied for forgiveness for making payments for 10 years, but was told I had to switch programs ( making b asically the same payment amount ) and start over my 10 year count.    3. I  have called  XXXX   XXXX  a nd Navient over the years with no satisfaction. I have consulted my attorney for my bankruptcy and I have written the President and been referred t  o the US Department of Education. The US Dept of Ed referred me to the same forgiveness programs that I was originally denied several times.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America is guilty of conducting Trustee 's Sales without the authority to do so. In this instance, Bank of America has failed to secure the XXXX Grant Deed with the subject property. Therefore, Bank of America and the current trustee, XXXX ( XXXX ), can not collect any existing debt through the sale of my home and private property. Furthermore, while there is evidence of an existing Grant Deed of XXXX through a recorded document, neither myself or Bank of America have been conducting transactions under ther terms of the XXXX Deed of Trust. Therefore, no default can be had or may be claimed on the XXXX Deed of Trust. Just to be clear, neither Bank of America or XXXX hold the power of sale under the XXXX Trust Deed in which the XX/XX/XXXX Notice of Default ( NOD ) and the XX/XX/XXXX Notice of Trustee Sale ( NTS ) has been associated with and recorded. And now, from this point forward, Bank of America and XXXX can not claim ignorance as to this fact and any action from this date forward will be fraudulent in nature and scope as well as evidence of a Racketeer Influenced Corrupt Organization ( RICO ) banking, mortgage, and real estate enterprising scheme intended to defraud honest, law abiding, and unsuspecting good folk of their homes. 

Trust Deed ( Deed of Trust ) is a written instrument by which title to land is transferred to a trustee as security for a debt or other obligation. 

Uniform Commercial Code Financing Statement ( UCC FINANCING STMT ) is a mortgage or security agreement using personal property as the collateral. These agreements are recorded in county if real property is affected. 

Trustee 's Deed is a Deed given by the trustee when property is sold under the power of sale in a trust deed. 

Since beginning the loss mitigation process with my request for mortgage assistance ( RMA ) in XX/XX/XXXX, Bank of America has done everything to separate me from my home.rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( NMS ). Bank of America continues to refuse to make the requested corrections of the errors made knoen to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America ; Bank of America defaulted on me!

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 08/26/2017 about Student loan (Private student loan) with NELNET, INC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Forbearance in XX/XX/2009 with XXXX student loans lost my job and struggled to make payments. XXXX offered a forbearance of which I struggled to make payments. I made full payments on time for the 6 months of forbearance and was still charged additional interest. I was never given helpful information and asked several times for my massive mortagage payment of my student loans to be reduced. They said if I did n't make payment or went bankrupt they threaten to ask my parents for the payment. I feel this is unlawful for students to better themselves and I was taken advantage of. Do I have any options?

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with Kinum, Inc. (IN).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: XXXX XXXX from Kinum Incorporated has been repeatedly calling me at work and announcing herself to reception and then to my boss as debt collector in an attempt to shame me. I called her back today and told her I would be able to pay the debt in two weeks but not today and she was abusive and hostile ending the call by screaming " sure you will lady! '' and then hanging up. My husband called back to speak to XXXX XXXX but she refused to speak to him to resolve the situation. I am humiliated and will not tolerate this harrasment. Please help me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are multiple credit inquiries that I did not approve. The only ones on here I did approve were XXXX, XXXX XXXX and XXXX 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 08/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OR).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: The XXXX Navient private student loans held in my name with a co-signer was up for yearly repayment plan review in XXXX of XXXX. The repayment plan generally lowers the interest rate of the loans from 13.9 % ( or thereabouts XXXX to between XXXX % based on income. Since initial enrollment in the repayment plan in XXXX, I had not missed a single payment. In XXXX of XXXX, I was informed by a Navient agent via telephone that my household bills were substantially higher than my income and Navient would not grant me a rate reduction plan, as they had during the XXXX years proceeding the conversation. Based on the commentary Navient 's agent provided, they would also not grant a rate reduction due to the co-signer on the accounts making enough to pay the loans. As of XXXX XXXX, Navient refused to provide a lower, affordable interest rate or enter into a negotiation of a reasonable payment plan. The original loans were each in the amount of $ XXXX for a combined total of $ XXXX. While in school, I was forced into deferment until after graduation due to the high costs of housing vs. low wages and had to maintain specific requirements of occupation to further my education. In the time it took me to finish my XXXX degree, parent, and work strictly to survive, the loan balances doubled. In XXXX, I had requested Navient to retro activate the interest on the accounts to the original loan amount ( that being 3.5 % on $ XXXX XXXX. They refused. The loan balances are now paid down to approximately $ XXXX as of today, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (I do not know) with Focus Holding Company (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For over three months I have been getting collection calls from a company called Focus Receivables Management. According to the internet, their address is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX The collection calls are in the form of robocalls, and all of them say exactly the same thing, in effect, it is a debt collection call from Focus Receivables Management, and a number to call back. No mention is made of what the debt is ( I do not have any debt whatsoever and owe nothing to anybody ). I typically get two or three such robocalls per week. I have recorded typical robocalls which are attached as a file. I have decided that I will not respond to those calls as I have no debts, as a response would make things worse and give Focus additional information. At no time has Focus Receivables Management provided anything to me in writing. I suspect that somehow Focus has my telephone number in error but it is more than possible that it is some scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Other debt) with Aargon Agency, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt does not belong to me. I do not have a signed contract with this company

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 10-05-2016 about Debt collection (Medical) with PlusFour, Inc (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This bill should have been paid by the state of Nevada. I was XXXX at XXXX XXXX XXXX XXXX and XXXX Nevada XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Therefore I Was a XXXX and not responsible my medical services. Not only that, I am a XXXX veteran and all medical bills are covered by the Veterans Administration. I was never notified of this dispute until seeing this last week on my credit report.

Company response to consumer: Closed
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: I do not require for my credit report to be locked. It is the responsibility of Experian to validate this debt based on original documention that you are required to keep on file per Federal Law to present to the alleged debtor ( s ) upon request. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is the consumers and is correct. In the results of your first investigation, Experian stated in writing that you verified that items XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX are being reported correctly. Who verified this account? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA. I have given copies of my ss card, state ID and the name and acct nbr several times to Experian which is continuing to break the very federal law that was implemented by Congress for this very predatory business practice! Now additional information is being requested from me while the responsibility of the Credit Bureau to validate this debt ( s ) BEFORE unlawfully reporting it by Federal Law is being ignored.

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