milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: the loan was bad with Bank of America BOA never tried to fix the loan Did not modify it properly They owe me all that I paid for over the years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been dealing with debilitating medical issues since six months after graduating from college. I applied for XXXX clearance of my loans through SallieMae and was denied the first time around. I filed a complaint and within a week was asked by SallieMae to send in a new XXXX application. As frustrating as it was to have to ask the doctor to again fill out paperwork that she had already filled out I complied. My account was apparently placed on an administrated forbearance while the application was processed. However, I was not notified that this was the case ( and my elderly grandmother, who is the cosigner, kept receiving calls and mailings asking for payments, which she made ). After waiting for months for information on the application I received a bill for a very random amount. I called to inquire and after being put on hold for almost an hour and being transferred four times I was finally informed that my XXXX application had been approved. They told me to ignore the bill that everything would be cleared by the following week. After speaking to my grandmother I found out that she had made a payment of several hundred dollars just a few days before and the money was taken despite the XXXX application having been approved!!! It has been a few weeks now and I just received a statement that my monthly payment of more than {$500.00} is due in XXXX! I just called and was informed that I should just ignore it and that it should be cleared before the payment is due. I will try to explain this to my grandmother ( who is nearly deaf ) and hope that she does n't pay the bill again. The customer service and communication of SallieMae has been both manipulative ( in taking advantage of my Grandmother ) and lacking ( as no one informed me even when my XXXX was approved )!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/23/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX of this year, I applied for refinancing with CitiBank/CitiMortgage on behalf of my father. We were approved in principal for the loan XXXX credit approved etc. ) and paid the applicable fees of over {$500.00} for the assessment etc. 

I confirmed with Citi on numerous occasions that my father 's input would NOT be necessary until closing. In fact, despite my power of attorney for my father 's accounts, I was told it would be better to wait until closing for his authorization in person. 

Regardless, during XXXX Citi 's underwriters attempted to contact my father via phone to confirm authorization. My father is elderly and hard of hearing and usually does not answer the phone. Rather than communicate with my loan officer at Citi or myself, Citi initiated investigations of fraud via both XXXX County Adult Protective Services and the local police department. 

Despite the fact that both agencies performed full investigations and cleared me of any wrongdoing, I was then denied credit for the following reasons : XXXX Unable to confirm identity * Unable to verify residence or occupancy Even though BOTH were verified by the investigating agencies. Both investigating agencies communicated to me personally that this never should have happened. 

Within the last month I secured the refinancing through a different lender, with ZERO problems.

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 07-10-2017 about Debt collection (Auto debt) with Farrell Holdings, LLC (UT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Prime Acceptance &   XXXX   XXXX   XXXX  are collecting on the same debt at the same time and both reporting to credit. I have read several complaints about them doing this same thing to people. By law  XXXX  companies can not collect on the same debt at the same time. They are both in violation,

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Consumer Loan (Installment loan) with Experian Information Solutions Inc. (FL).
Issue: Problems when you are unable to pay

Complaint: Acct # XXXX XXXX balance was paid. Inaccurate balance being reported.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax routinely allows companies to conduct credit checks to my credit profile causing my credit score to go down significantly but when trying to get to the bottom of why companies where allowed access to my credit profile. Equifax has no real answer. Moreover, they have decreased my credit score significantly and after I 've reported to them, that I did not ask companies to check my credit, they want me to XXXX my credit frozen. Meanwhile, they have keep my credit score very low, costing me loan approvals.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Unexpected or other fees

Complaint: PayPal has been harassing me non-stop over the last year with constant methods of trying to steal my money in addition to their exhorbitant processing fees they charge ( 30 % versus regular 1-2 % by merchant services ) because they say their internal security model is so superior they say. However for no reason and out of the blue today I got an email that says their going to seize a huge portion of all my credit card transactions to " build up a reserve '' even though I 've never had a chargeback against me and I 've made them a ton of money in fees over past 1 year. Please investigate them aggressively and get this nonsense off of my back.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Chase Bank account rep XXXX XXXX tonight advised me that their system is down and they are not notifying or listing debits made from my checking account. This is a problem because people might be stealing money from me without my knowledge. He also said they may never notify me of these transactions. I caught them tonight but could this be happening regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a copy of my credit report and noticed I had a debt reporting from this company Midwest Recovery. I reached out to this company by certified mail on XX/XX/XXXX to validate this debt. This company signed for my letter on XX/XX/XXXX but have not sent anything back in regards of validation. i received notification from XXXX that my account from Midwest Recovery was marked as " disputed '' so I reached back out to this company by certified mail on XX/XX/XXXX to get validation and this company signed for my letter on XX/XX/XXXX. I then disputed Midwest Recovery through the actual credit bureaus and they deleted it off one bureau but stated it was verified through the other 2 bureaus which is not fair! Here it is XX/XX/XXXX and I have still yet to receive any type of notification, communication or validation from this company. I also have attached all communication letters, certified time stamped signatures that was sent to this company to validate what I am saying. This company is a fraud because this company is ignoring the fact that I am requesting validation that they must not have. It is by law by the FCRA that I can request validation and it must be sent to me. I have never received any type of communication from this company before they reported this on my credit report. this company did not give me any time to validate this debt. I am not sure who this company is and how do I owe them. I never signed a legal bonding contract with this company to owe them any debt, I have never done business with Midwest Recovery.  I have the right to demand to see a signed contract between Midwest Recovery and myself. If this company is hired by a 3rd party company, I request validation and not verification of the debt. meaning a signed contract from the original company and not a bill. a bill is not considered proof of a debt. This company has blatantly ignore more request as a consumer in which I had rights too. I will be issuing out additional complaints as well through the BBB & Attorney General. As a consumer with rights, it is not fair to be ignored, pushed to the side and not provide validation of what you are reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold last year to XXXX XXXX and is processed via Loancare. As of XX/XX/XXXX we qualified to have our mortgage insurance, which is about {$200.00} a month, dropped off our mortgage payment. Loancare told me how to request that this insurance be dropped. I followed their instructions and had no response. I tried again and had no response. I have spent hours on the phone trying to work this out. Sometime their people do n't know what I am talking about other time they can see that I have sent in the request and that no one has done anything about it. I have since looked up this problem and it seems like lots of people are having issues with their mortgage via Loancare in the last month or so. I feel like they might be scamming people out of lots of money.

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 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is about hard inquiries on my credit report. I do n't recognize any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 have been disputing with all three agencies.I do not have an account with this company, XXXX  XXXX.Nor have I been given a reason for any charges by original debtor XXXX XXXX XXXX owned by XXXX XXXX.who I tried to contact XX/XX/XXXX & XX/XX/XXXX. the manager, XXXX stole over {$6000.00} worth items from my apartment during XX/XX/XXXX. Police report was filed once I returned home my upstairs neighbors reported seeing XXXX carry my cherrywood armoire from my home and offering them my new appliances still in boxes.I confronted her in front of witnesses she admitted to taking my items but could n't get them. I was very upset because my fathers rings & bracelet was in there he past away. I had other items that past doctors and friend who died gave me.So I had irreplaceable items that meant a lot. XXXX so how upset I got then she stated ok just pack the items you going to take with you and do n't worry about trying to throw out anything I will take care of it.She promised to call me to come back and pick of my items.Instead the office asst quit and XXXX was never available or would n't answer the phone afterwards.Then in XX/XX/XXXX This company XXXX XXXX called me stating I owe $ XXXX.I asked them for what? Then I told them I do n't owe XXXX XXXX XXXX any money I paid rent on time and gave proper notice I was transferring.I never received any court date if I was being sued for this fraudulent Debt or I would 've have gone to court with my attorney to fight .XXXX is a thief I 'm not the first tenant being taken advantage.I do have witness to confirm all of this and my sheriff report I made in XX/XX/XXXX.after I found this on my credit report I have done 3 disputes with all 3credit bureaus starting in XX/XX/XXXX an attorney attempted to contact owner of XXXX XXXX XXXX  with no luck.i sent a letter to each credit bureau at end XX/XX/XXXXNo credit bureaus except responded.Experian notified me a chapter XXXX Petition was put on my report by XXXX  XXXX who I do n't have any account.This fraudulent has cost me loans for a home car and things I needed for my children.Because I may still have to move forward with an attorney I reserve the right to keep my police report number and witness information.thanks.

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 11-10-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TN).
Issue: Account opening, closing, or management

Complaint: I have a line of credit through Wells Fargo Credit Card company. Due to a loss of a job I was unable to pay my account. I reached an agreement with them once I was able to start making payments which I have been making on time for over two years. They are reporting on my credit report that my monthly payment is the current balance due which is incorrect. I pay XXXX per month, my current balance is XXXX. I called to ask them to fix this as it is effecting me getting a car loan etc as it shows I have a monthly payment with them of XXXX. They refuse to fix this mistake until the balance is paid in full. I still have over 2 years of payments to make and this information is wrong and is impacting me on getting a loan for other things that I need. I have disputed this with all the credit agencies and they refuse to fix it since Wells Fargo saying the information is correct. I have contacted Wells Fargo on several different occasions, the last one being this evening and they refuse to correct this information with any of the credit agencies. This is just wrong on so many different levels and I want this fixed. They also have my account status as charged off which is not correct as I have been paying the bill for over two years with no missed payments. I have suspended payments at this time until they fix my current credit reports. I am just asking them to change the currently monthly payment to reflect what I am paying monthly and they refuse.

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 07/20/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I made a purchase from Lowe 's that was financed by Synchrony Bank for {$1500.00}. In XXXX and XXXX it was advertised on television as zero ( 0 ) interest. Nothing was stated about monthly payments. It was also sated I must pay each deferred interest promotional balance in full by its expiration date to avoid paying accrued interest charges. I was also told I may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. I made advance payments that superseded any monthly annual payments. I paid my promotional balance in full before the expiration date. I was charged late fees, interest and received the most disgusting, harassing and false in formation was entered on my credit report. I am not the only customer with this problem. I spoke with various company representatives that supposed to record our conversation but it did do any good. This promotion in my opinion is the greatest bank scheme that is defrauding millions or billions of dollars monthly or annual from the consumer. XX/XX/XXXX I made the transaction for {$1500.00}. With zero interest and was told XX/XX/XXXX was my expiration date I paid {$66.00} on XX/XX/XXXX. {$500.00} was paid XX/XX/XXXX. Another {$500.00} was paid XX/XX/XXXXand my final {$500.00} was paid XX/XX/XXXX. Balance due now is {$950.00} for what? I did what I was suppose to do.I paid my bill in full before the expiration date. I have a Room To Go account serviced by this bank and the same thing happened.

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 01-02-2018 about Debt collection (Other debt) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The original debt was a judgement from XX/XX/XXXX. It was assigned to XXXX XXXX XXXX a year later. During my home purchase in XX/XX/XXXX, escrow reached an agreement with XXXX XXXX XXXX for {$4000.00} and paid the agreed balance as part of escrow. However, they have refused to close out the debt. We recently, XX/XX/XXXX, requested a validation of debt. They validated the debt and showed an increased balance due to interest. They refuse to remove the debt even though it is over seven years old. In addition, they have updated my credit report to show the discharge date in the year XX/XX/XXXX. Lastly, in XX/XX/XXXX we sent court documents verifying the debt is satisfied with the courts and have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Avadyne Health Holdings, Inc (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: H & R acccounts, a collection agency in XXXX, has reported for several months an open delinquency on my credit report. The original creditor was XXXX XXXX. This account was discharged in bankruptcy in XXXX 2007, is not open, and represents double negative reporting since the bankruptcy and XXXX XXXX negative trade line show the account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Medical) with Arcadia Holdings, LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a call on my answering machine announcing that I needed to call back a number about a debt issue. XXXX day later I received a collection notice for {$78.00} for date of service XXXX/XXXX/2015 from Arcadia Recovery Bureau for a doctor charge from XXXX of 2015. 
Checked my EOB/Medical file to find that I never received a bill from the provider. 
I contacted the provider University XXXX XXXX XXXX XXXX. They told me that they had sent a bill on XXXX/XXXX/2015 that was returned from the PO stating " temporary out of town and can not deliver ''. At that point they told me their policy was to flag the account for that invoice and future invoices for collection. 
1. I do not understand how that policy can be legal. The creditor must do due diligence to make an attempt to collect the debt before turning it over to a collection agency. Automatically flagging an account does not constitute due diligence. 
2. XXXX further told me that they have so many patients that is the only way they can handle the billing process. Just because they do not have the proper man power does not mean they have the right to put a persons credit record in jeopardy. They have my home number, my cell phone number, my email address and a messaging system from XXXX XXXX XXXX in place to contact me. 
3. Flagging an account because of a temporary mail delivery issue is not the patient 's fault. On the hospital side I still receive bills and process them for payment. They have access to all those records and should be able to determine if the mailing address is correct. 
4. The message left by the collection agency disclosed debt collection information and my name on an answering machine that is available to other individuals. That can not be legal. 
5. I believe XXXX 's billing system is flawed, prejudicial and illegal and I need help to shut it down.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (Mortgage) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On CFPB Complaint # XXXX, dated XXXX, XXXX, we repeated a request for First Tennessee Bank to stop collection calls. The first request came in a CFPB complaint dated XXXX/XXXX/XXXX though not as explicit. First Tennessee Bank responded XXXX XXXX, XXXX, saying that " ... have stopped calls going forward. '' The calls have continued. 
I 'll apologize ahead of time for the length of this complaint. Their diligence in harassing us caused me to reread our agreement for this XXXX mortgage loan. This was never a credit card loan ; it was a XXXX mortgage loan secured by the equity in our home. The loan was written in XXXX, we paid monthly payments faithfully for six years until we lost employment and all severance pay was gone ; additionally, by that time, property values had fallen and the house could not be sold for enough to cover the XXXX and this XXXX mortgage. The loan became " unsecured ''. The loan documents speak of maintaining the property, loss of employment and the bank 's ability to forgive this loan. We can not understand why they have chosen us to be unworthy of forgiveness. When we contacted them in writing, XXXX, XXXX, our credit score was XXXX. We explained our inability to make additional payments because of loss of employment. Not once did they respond to us saying that an appraiser would be assigned to determine the home 's value as stated in their agreement. In fact, we heard nothing from them except to say that a 40 - 60 % repayment was their minimum if the house was sold. Our Realtor said that could not be done given the market. We have used money from our pockets and money from this loan to continue to upgrade this property ( pictures are attached ). When we purchased the home, it had a shack roof. California outlawed because of fire hazards, so we replaced the roof with a 15-year comp roof. Not shown is the banister that we added to the stairs leading to the bedrooms. Not shown is the new wood stove. We have also attached portions of the signed agreement with First Horizon that substantiate our statements.

Company response to consumer: Closed with explanation