milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Several years ago, approximately 2012, I took out a payday loan to help cope with a medical emergency. I had made payments for several months. I believe I repaid at least the amount borrowed or came fairly close. Regrettably due to the continued medical issue and resulting limitations on work, I was unable to continue paying the loan. Subsequently, My family in XXXX and XXXX were contacted by a collection agency regarding the debt. At XXXX point, my brother in XXXX had his dog threatened by the collection agency. My niece in XXXX was called countless times. She reports that the collection agency threatened to take her home. They cussed at me and left messages with cursing actions. To be honest, I am not sure if they actually threatened law suits because the language became quite escalated. I remember leaving with the distinct impression that they were discussing a legal liability. My bigger concern however is the threats to my family and the abusive language. In order to get them to leave my family alone, I contacted the agency and set up a payment arrangement. At this point I contacted a financial counselor who cautioned me that this loan may be of questionable legal standing in XXXX. Consequently I postponed payment and requested information from the agency regarding the debt. They denied that they had to provide any paperwork about the situation. I contacted the original creditor and they told me to contact the collection agency. I attempted to request the mailing address for the collection agency and they refused to provide the information. I called back with my financial counselor and they also refused to provide any of the information we requested. Even the company name was not disclosed. They may be XXXX XXXX or they may be collecting for XXXX XXXX. They identified themselves as XXXX but would not clarify if they were a department of XXXX or a separate company. It was at this point that I reached out to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: CREDIT REPORTING AGENCY REPORTING INFORMATION DISPUTED/NOT VALIDATED pursuant to FDCPA this data must be removed absent the validation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Bank of America has started charging our account Overdraft fees on small, one-time debit card transactions just this year, without our opting in. We have had the account since   XX/XX/XXXX , did not  opt-in for overdraft protection, and became alarmed when we were getting hit with stacked, cascading Overdraft charges since the begi nning of  XX/XX/XXXX .      Upon looking into this, we found that this is an illegal practice since   XX/XX/XXXX  - the b ank CAN NOT extend overdraft charges on debit or ATM withdrawals if they did not provide explicit, written explanation of their overdraft program, allow the customer to affirmatively consent to the program, agree to the fees, and then provide documentation of the customers written consent.     We called BOA and requested copies to show any evidence that we opted in, which they were unable to supply. The only documents we were given were a basic account opening document with not even a mention of any Overdraft protection program, let alone the legally required, separate notice outlining the program.     We called again, and were told they could not reverse our charges without our lodging a complaint.     This is very likely happening to many customers, and needs to stop, and all illegally obtained charges need to be reversed.     htt ps : //www.helpwithmybank.gov/get-answers/bank-accounts/overdraft-fees-and-protection/faq-banking-overdraft-13.html

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 07-12-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I contacted Capital One first I put my last  4  of my acct in collections in and got connected to  XXXX . I told them could we agree on a price and get my acct PAID TO DELETE on my acct. They then told me that they do not report to the Bureaus, Capital One does so I would have to call them and they gave me the number. I then called, Capital One back, spoke with the  1st r ep which said they would help then connected to the second rep in collections and I requested what I told the rep with  XXXX  a Pay to Delete settlement. Well they said they will report Settled debt but do not honor PAY TO DELETE. Now I know they can do it but they are giving me a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Riverwalk Financial Corporation (SC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: On or about XX/XX/ 2015 I received some document in the mail stating that i purchased a vehicle which i had no knowledge of, from the above mention company ( XXXX ). At that time I started my own investigation, I went to XXXX Police Department regarding credit fraud. After receiving my police report I went to the speak with the finance department at the dealership ( XXXX  ) where the finance Manager stated that I was not the person that signed the documents for the purchased of a vehicle in front of him. I spoke back with -- date XXXX and they assured me that everything will be taking care of. 
XX/XX/XXXX I received another letter from a miscellaneous company stating that I owe {$14.00}, XXXX for a vehicle that I never saw, purchased, and I never wanted it for that matter.They state that the money is due within ( 30 ). 
In conclusionI feel that when someone takes advantage of your credit you should not be responsible and should be conforsated for the heartache and pain.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit card () with Resurgent Capital Services L.P. (GA).
Issue: Other

Complaint: Good Morning, I faxed 3 letters to LVNV FUNDING , LLC XXXX, SC XXXX regarding a XXXX Account Number XXXX ... .. It is not my Card ... ..I have asked them to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I sent QWR to Carrington mortage. I requested the owner of the note and all assingments. To answer the question why in XXXX/XXXX/16 besed on Carrington letter some one would of purchase the Mortage that was over five years knowing that the statute of limitation in florida is five years.THe QWR askes for backup of the escrows for insurance and taxes and provide no cancelled checks or reson for having escrow. The escrow are wrong. XXXX in partucular is for force place insurance of XXXX form the same insuarnce I had insurance with XXXX. My insurace was {$3400.00} and the price of the foce place insurance was XXXX. This is fraud. Why would a bank spend more money on insurance when thay have the old policies with ther renews to renew which are less expensive than force place insurance. The mortgage companies are in business to make a profit. thus spending less makes more money. It is aganst there charter to spend more on insurance and make less money.The amounts onwing are incorrect. No back up in provided. The Note holder has been escrowing {$120.00} a month for no reson for over 5 years. The interest which is variable and change each years is wrong. There is not XXXX consisting document. Please have the Note holder provide the documentaion of ownerership along with the copy the the check he purchese the mortage. Someone came by my house taking picture for potential buyers of my mortgage. Why was I not allowed to purchese my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Debt collection (Private student loan debt) with SLM CORPORATION (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My first call with them was very abrasive I had no idea that my account that was joint with my deceased aunt had been sold to a 3rd party collections. I received no written notification just a report on my credit report and then the calls started. The agent was condescending and gave me no information just wanted a payment the call was disconnected. They have continued calling me 2 to 3 times every other hour from different numbers. My credit report is showing that the have charged almost 93 dollars in addition to the original loan and they are reporting to the credit bureau more than 1 every 30 days. The dates reported are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The original loan amount sent to them was XXXX. They are saying I owe them over the course of my alleged acct being with them 4 months, according to my credit report, XXXX. Still no written report have been sent to address although confirm with the agent and the calls have continued. Prior to the account being sold Sallie Mae harassed not only me but my sick aunt and called multiple times an hour within one day and through it all I didn't even know it was illegal until recently. They were telling her they would come take my degree, I would be arrested, they would garnish my wages and her SSA, they were going to send government officials to my door. This has been trying considering she died shortly after those calls and now I'm grieving her death and this mess with the XXXX XXXX and Sallie Mae.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient had increasingly made it difficult to star a repayment plan to bring my account out of deferment and would only offer an agreement which I would not be able to read first, only have the terms dictated to me over the phone and give a verbal agreement to extend the life of my loan. I do not have enough liquid capital to overcome the thousands in interest that have accrued and they offered nothing except for threats that my credit will continue to be ruined until I paid. The loan was then being managed by XXXX ( XXXX XXXX XXXX ) which I was able to arrange a repayment plan to bring my account out of deferement however, after my first payment, the loan was returned to Navient. I am struggling pay check to paycheck without the means to overcome this debt, though when I was paying more than interest only payments for years, prior to losing my job and finding a new one. They offer very little and I have tried other means to refinance my loans but am always denied.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (FL).
Issue: Managing the loan or lease

Complaint: In 2014 I signed as a co maker for my grandson XXXX XXXX to purchase a new car through Ford Motor Credit account number XXXX. At the time of the transaction my credit rating with all three credit agencies was over XXXX and as high as XXXX. It never went below XXXX until this recent event. My grandson missed a payment but as co maker I was never notified until I discovered this on XXXX when to my suprise I found my credit score had been reduced by nearly XXXX points. I have never been notified of any problem even though I was legally obligated as a co maker. Once I became aware of the issue I called Ford and immediately paid off the loan in Full with the understanding that Ford would notify all XXXX credit agencies of their error in not notifying me of the problem and instruct them to remove any negative remark from my credit report. The loan is now paid off but my credit score only increased XXXX points and has not been restored to the XXXX plus number I have always received. I was my credit score reinstituted to what it was. I have XXXX debt and over {>= $1,000,000} in assets. There is no possible justification for this low score.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Saturday morning calls ... coming from your XXXX office ... XXXX ... Sounds a bit like harassment would n't you say??? I spoke to XXXX & explained my situation. I am sitting at XXXX Hospital with my Mother. We 've been here since XXXX. I asked a couple of weeks ago for XXXX to have XXXX ( especially ) & anyone else from there to stop calling me over & over while I sit here with my XXXX Mother. I am not working right now & I do not care about anything but her!!!!!!!!!!!!!!! The harassment needs to stop it is CRUEL!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I tried to lower my payment based on my income and they said I could n't.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Student loan (Federal student loan servicing) with ACS Education Services (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: The balance of my federal Perkins loan is supposed to be cancelled for service as a full time XXXX XXXX. The company continues to Bill me for payment even though I 've sent paperwork more than once. Additionally, they do not answer email, phone, or mail. I 've tried numerous times. I 'm afraid it will affect my credit because of their negligence to respond. The company is www.acs-education.com.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have my home loan with Caliber Home Loans. They placed Lender Insurance on my property without advising me. I already had home owners insurance with XXXX XXXX. They changed my monthly mortgage payment without advising me because of this insurance they placed on the property. They stopped applying my payments, which were set up on automatic payment, because of this increase. They were however cashing the checks but they were not applying the payments to my account. I called to complain after receiving notifications of a pending 30 day late. I sent in proof of insurance at that time. They advised after reviewing the insurance that they would start applying the payments but that I still owed them {$1100.00} for the insurance they placed on the property without my knowledge. They said they mailed me a letter, which I never received. They have my email address and my phone number but they did not utilize either ; only mail.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I bought a below market rate home last XXXX XXXX XXXX ). At that time my mortgage payment was set at {$2300.00} a month. In XXXX XXXX, my mortgage company ( Dovenmuehle ) raised my monthly payment to {$2900.00}. The extra {$590.00} was to make sure I had enough $ $ in escrow to cover my property taxes. After some checking on my part, i found that my property was assessed at it 's market value not what I purchased it for. The difference was {$30000.00} plus. I spoke with my mortgage company and the XXXX tax assessor and my property was reassessed 4 months ago. I 've sent my mortgage company the required documents ... twice. The last time I sent the documents, I sent them registered mail with a signature required. This was on XXXX XXXX, and as of today XXXX XXXX XXXX, I have not heard from them and they are not willing to lower my mortgage payment. In fact when I asked what would happen to the extra {$590.00} a month I was putting into escrow ... would I be reimbursed or what? The person I spoke with had no idea what would happen AND no idea when I might be able to resolve this issue. 
HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: MY WIFE AND I HAVE BEEN DEALING WITH CHASE BANK FOR AT LEAST XXXX YEARS IN ASKING THEM TO EXPLAIN WHERE OUR PAYMENTS WENT. CHASE SENDS US ACCOUNTING STATEMENTS WITH DIFFERENT INTEREST RATES FOR THE SAME EXACT TIME PERIODS. THEY HAVE MIS APPLIED OUR PAYMENTS AND WE GET THE RUN AROUND FROM XXXX DIFFERENT DEPARTMENTS. WE NEVER GET ANY SATISFACTION AS TO OUR QUESTIONS. TAKE FOR INSTANCE TODAY, I RECEIVE A CALL FROM XXXX AT XXXX P.S.T. I RETURN THE CALL AROUND XXXX P.S.T. THE MESSAGE MACHINE FROM THIS CHASE BANK PHONE NUMBER STATES THAT MY REPRESENTATIVE IS NOT AVAILABLE BUT IF YOU WANT TO TALK TO SOMEONE ELSE, PLEASE PRESS XXXX. I PRESS XXXX AND THE RECORDING SAYS WE ARE NOW CLOSED! THIS WAS XXXX P.S.T. I CALL BACK AND LEAVE A MESSAGE FOR OUR REPRESENTATIVE TO SAY WHAT IS GOING ON? WHY ARE YOU CLOSED ON A WEDNESDAY AT XXXX XXXX? THIS COMPANY HAS FILED FORECLOSURE AGAINST MY WIFE AND I AND THEY SAY IN THEIR WRITTEN CORRESPONDENCE THAT " THEY ARE HERE TO HELP ''. IF THAT IS THE CASE WHY DO N'T THEY HELP? MY WIFE IS XXXX, I WORK XXXX DAYS A WEEK. WHY CA N'T WE RECEIVE SOME OF THE MONEY THAT CHASE WAS FINED FOR THEIR WRONG DOINGS? CHASE IS REQUIRED TO HELP HOMEOWNERS WITH PRINCIPAL REDUCTIONS OR MORTGAGE RELIEF AS PART OF THEIR SETTLEMENTS WITH THE STATES AND THE FEDERAL GOVERNMENT. I WANT AND I NEED THEIR HELP BUT WE HAVE SPENT XXXX OF HOURS ON THE PHONE WITH THEIR " SUPPORT TEAMS '', THEIR " ESCALATION DEPARTMENT '', THEIR " EXECUTIVE OFFICE '' BUT ONE DEPARTMENT HAS NO IDEA WHAT THE OTHER DEPARTMENT HAS TOLD US OR HAS DONE. IS THIS THE AMERICAN WAY?

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Bank account or service (Other bank product/service) with STATE FARM BANK, FSB (FL).
Issue: Problems caused by my funds being low

Complaint: I bank with State Farm Bank. Last night my debit card was declined for insufficient funds. I checked my balance using the most recent version of the State Farm Pocket Agent app for Android ( version 5.3.0 updated on XXXX XXXX, 2015 ) and it showed sufficient " available '' funds. It turns out that the dollar amount shown in the app is actually the " current balance '', but the description of the dollar amount the app gives is " available balance ''. ( I double-checked this against the website and the website showed the correct " current '' and " available '' balances ). This app has over one-million downloads.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (I do not know) with SIMM Associates, Inc. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am trying to get a written debt validation from this company called " SIMM ASSOCIATES, XXXXNC. '', but they are refusing to give it to me. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), it is my right to receive in writing " letter '', the proof that this debt is owed.  They are constantly calling me, asking for payment and making threats about reporting this to the collection agencies. They are doing all this without showing me a debt validation. They are breaking the law and should be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: Nissan Motor Acceptance Corporation was informed via certified mail on XXXX/XXXX/15 that our contact information was at our home address, telephone number and email. NMAC has harassed our parents, which was not authorized as a contact point. NMAC has been instructed no contact at our place of employment and to stop contacting our parents. NMAC continues to contact our parents. We are asking CFPB to enforce the no contact to our parents about our business relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: {$230.00} of balance from XXXX XXXX has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received no service for notice to appear or a final judgement. A Request and Writ for Garnishment was entered into the court on XX/XX/XXXX, and a tax refund garnishment took place in XX/XX/XXXX. 
I had no idea there was a collection action against me from this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Please refer to my past complaint to CFPB  XXXX  Submitted to the CFPB on  X/XX/2017   .     Almost 2-3 weeks back I got a call from Bofa. He wanted to talk to me regarding this issue and told me that he is recording the call. I also stated that being in the state of AZ - I have the authority to record the call. The moment he come to know about it - he said that he will send the contents by mail. I have n't received anything from them via mail also.   Why in the world - it 's  so one side d that he can record the conversation because is " the bank '' but i can not. This is against my basic rights as  a US Citizen a nd against AZ policies.     Attaching the recorded conversation.

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