milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-05-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/2017 when i checked my email and logged onto my account with navient student loans it showed that i was behind at least one month. When i checked the payment history i was current with all monthly payments. Yet, i received an email saying i am behind on my payments and will be charged double. Also, my monthly payments increased from {$350.00} per month to {$530.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Account Recovery Service, Inc. (WI) (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: ACCOUNT RECOVERY SERVICE KEPT CALLING MY HOME AND CELL NUMBERS REPEATLY, I SENT CEASE AND DESIST LETTERS BACK IN XX/XX/XXXX. XX/XX/XXXX I PAID XXXX XXXX IN FULL FOR THIS XXXX XXXX DEBT AND THEIR ACTIONS ARE IN VIOLATION OF FTC, CFPB-FCRA, FDCPA AND TCPA.

Company response to consumer: Untimely response
Consumer complaint received 04-03-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Harassed bu Bank of America.I ask bank of america why they are requesting so much documentations and to stop calling me. I was told they were assessing my risk. I became high risk when i ask for modification in XX/XX/XXXX-XX/XX/XXXX which they denied. and 3 yrs ago they contacted me after they lost with state atty general XXXX and modified me to 4.5 % .I was told they will nor correct error in their part since XXXX XXXX unless I SUBMIT ALL DOCUMENTS THEY ARE ASKING. They have requested astronomical documentation with the promise to correct the issue. several phone call were made to my office. threatened to increase my interest rate if documents were not provided. deliberately reported me to XXXX even after consistent payment. i was threatened to foreclose upon if my income do not qualify of the loan that was made in XXXX i have not missed a payment on the commercial property and now being told that i am high risk. the value of the commercial building is lower than the loan. now they are imposing 10 % interest, foreclose upon me or find another bank. i tired XXXX but bank of america reported me to XXXX my credit score went down. they want me to pay {$29000.00} principal and interest because they said i did not qualify. the loan was existing since XXXX and did not apply for loan. i was forced to fill out schedule of debt which violated my privacy and even made to submit my divorce papers. i have lost so many hours of work to generate all the documentations the required. After submitting all documents, I was told yesterday the will foreclose upon me. i have all the documentations/ conversations recorded/ notation as to what was said. My husband did not even request to ask his name taken out of the loan and proceeded upon removal of his name from the loan. PLEASE HELP 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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The US Postal Service errors on an individual Change of Address ( COE ) for one member at a household address by applying the COE to other member ( s ) of the same household address. The US Postal Service reports the erroneous change of address to a bank and/or credit card company, who changes their records for the erroneous person.
The bank ( XXXX XXXX ) then informs the Credit Reporting companies of the change of address of the erroneous person.

The bank also informs the Credit Reporting companies of the change of address of a second erroneous person. This second person is on the account with the first erroneous person but was not reported by the US Postal Service as having a change of address.

The Credit Reporting companies effect an erroneous change of address for two people.

There is a potential for ID theft!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Trouble during payment process

Complaint: XXXX   XXXX ,  XXXX  Specialized Loan Servicing LLC  XXXX .  XXXX   XXXX   XXXX , CO  XXXX  Dear  Sir/Madam, You  continue to send me information re : research but have not updated my account to reflect the information provided to you by  XXXX  who sold you the loan.  XXXX  sold my loan to SLS and I am paid until  XXXX   XXXX . SLS does not acknowledge this and continues to mark my account past due.  XXXX  has provided the information  3x pe r my request and still no change in my account status or SLS acknowledgement in violation of RESPA.  ( 12 U.S.C. Section 2605 ) An SLS representative called the w eek of  XXXX  and informed me that SLS is aware that I am paid until  XXXX . I requested this in writing but as of  XXXX  have not received this acknowledgement and there is no change to my account status. Am I to assume you will not honor the account status relayed to me by phone on  SLS  continues to send information to the wrong address ( see attached notices ). My correct address, which I have sent to SLS via official  XXXX  notification and which  XXXX   ha corr ectly noted, is :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , GA  XXXX  Contact dates and times. All calls are recorded :  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    ID #  XXXX  Received RESPA notice on  XXXX  which SLS has already violated  XXXX   XXXX  ID #  XXXX  No name ID #  XXXX   XXXX   Executive Ser vices says they do not have information that I am paid until  XXXX   XXXX  Was told my rep that there wer e hundred of loans sold to SLS that SLS has not processed correctly and for whi ch they have no information.    XXXX   XXXX  no ID # Requested welcome letter and payment notice and received information on an Automatic Payment Program  XXXX  Requested  XXXX  send another payment history to SLS  XXXX  The most thorough call where details of the account were discussed  XXXX ,  XXXX  automated calls with no change in status Received a notice that research is being performed on the account. Research for 2 months when the information was provided by myself,  XXXX , and I was told research was being conducted on  XXXX / XXXX / XXXX ?    XXXX  A notice that {$570.00} is due to bring my account current, but my account is paid until  XXXX   XXXX  per the information provided to SLS by  XXXX .   The statement received shows a past due amount of $ {$420.00}, but I am paid until  XXXX   XXXX .     SLS is sending notices that they are researching while sending statements that my account is past due, when I am paid until  XXXX   XXXX .      XXXX   XXXX   XXXX  Account #  XXXX  Consumer financial Protection Bureau #  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 01-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: This is in reference to my original complaint regarding our Capital One credit card that was closed in error by Capital One. Please refer to our original complaint cfpb XXXX dated XX/XX/XXXX. 

We first contacted Capital One about their error on XX/XX/XXXX. On XX/XX/XXXX, we received a letter requesting a street address for my wife. We contacted Capital One on XX/XX/XXXX, and provided the street address. On XX/XX/XXXX, Captial One provided two new credit cards as promised with a XX/XX/XXXX expiration date. On XX/XX/XXXX, we were notified that our credit card account had been closed because we did n't provide the information that was requested ( we did by phone on XX/XX/XXXX ). 

After dealing with an estimated 19 to 25 representatives from XX/XX/XXXX, to XX/XX/XXXX, nothing has been accomplished with one exception. We got a call from XXXX ( employee #  XXXX ) at Capital One 's corporate office on XX/XX/XXXX, and he acknowledged to us on the phone that Capital One had made an error which was responsible for the cancelling of our account. I asked XXXX for a letter from Capital One to confirm that their error was responsible for the cancellation of our credit card account ( open since XX/XX/XXXX ). On XX/XX/XXXX, XXXX said he would see if a letter could be sent to us acknowledging their mistake. He also said we could reapply for an account. We said we did n't want to reapply for an account, just have the old account reopened. XXXX said that they do n't send out letters regarding mistakes until the account has been reopened. It we reapply for the account, and for whatever reason the account is not reopened, they do n't send out a letter acknowledging their mistake. It 's now been 3 weeks since we last heard from XXXX at the Capital One Executive Offices. 

In a nutshell, we 're done. We will not conduct business with an organization that has sloppy record keeping, poorly trained customer service reps, dishonest customer service reps, offer unprofessional treatment to long term customers and have absolutely no sense of urgency. Fortunately, we have other long term credit card accounts and we will remain faithful to those companies. As for Capital One, we 're done playing this endless, fruitless game of nonsense. We are no longer interested in doing business with this unprofessional banking organization. 

I would suggest that people who are thinking about doing business with Capital One, think twice. We 'll never go back!

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Medical) with Ray Klein, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Agency refuses to update my account to the credit bureaus and supply the information that my debt has been reduced after consistent monthly payments. Under Sect. 623 of the Fair Credit Reporting Act, they have the duty to report supplementary information to the credit bureaus. When I have called them about it, they are insulting, abusive. I waited on hold for 45 minutes while they supposedly researched the statute but I finally had to hang up, so I could n't hear what conclusion they reached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My wife and I leased XXXX XXXX XXXX XXXX XXXX from XXXX XXXX of XXXX, XXXX. on XXXX/XXXX/XXXX for {$68000.00} after XXXX rebates and all other incentives from the dealer. The lease was financed by XXXX XXXX XXXX XXXX, XXXX AZ. We also put {$5000.00} cash for down payment. Due to medical financial hardship ( son diagnosed with stage XXXX XXXX in XXXX, XXXX ) we contacted XXXX XXXX to do voluntary early termination and return the vehicle. They agreed without any early termination fee and told us to return the vehicle to the original dealer. After handing over the vehicle on XXXX/XXXX/XXXX, the inspection was done while I waited, once the inspection was all completed. The vehicle return XXXX made me sign a XXXX Return Notification ( similar to a contract ) with all the breakdown of mileage, accounting etc. and total Charges of {$31000.00}. ( see attached ). Sometime between XXXX and XXXX, XXXX, XXXX XXXX sold the vehicle in auction for {$51000.00}. In XXXX, XXXX, XXXX started sending us bill for {$11000.00}. I contacted them several times finally, I got someone that could tell me about the sale amount of the vehicle. I requested the receipt of sale, which I got in mail for {$51000.00}, we were not notified about the sale until we requested for. I told XXXX that we made XXXX payments all before due date amounting {$6700.00} or more, plus {$5000.00} down which they have record of. And asked them since, they sold the vehicle for {$51000.00} and we only owed the {$31000.00} to refund us the difference. If they took fair market approach, then the vehicle sold for more, and if I kept the vehicle for 39 months I would have paid them {$37000.00} per contract after all wear and tear. After 39 months they would have not got approx. {$64000.00}, what they got now. We had to consult an attorney, after second notice, XXXX replied, stating that, we have to send a check for {$11000.00}. It still shows on my wife 's and my credit report. Please see attached attorneys letter.

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NV).
Issue: Managing, opening, or closing account

Complaint: While the glitch with the rushcard system updated was taking place, I had my gas and electricity service disconnected and was served a 5 day notice to pay or quit at my current residence ... ... The customer service during this phase was horrible and I was almost terminated from employment due to attendance issues while.I.tried to contact different agencies and friends/ family to assist with XXXX worth of bills ... .... Once the glitch was " fixed '' I still had problems accessing my funds and to this day I have yet to receive a XXXX $ deposit that was supposed to take.place during the glitch ... ..they have given me the run around and keep telling me that it may take up to 90 days to resolve but that time has come and gone ... ... .. The customer service is horrible and everyone sounds like a broken record with the same response ... .. Its like I have no recourse for my missing funds and no one seems to genuinely care, yes this card was designed to help low income families but they are essentially more of a problem then a help, every time I call they thank me for being a cardholder since XXXX but that really does nothing for me when they Dont care about my missing money

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: I paid XXXX XXXX A Professional Law Corporation, Attorney XXXX XXXX, XXXX # XXXX {$5100.00} to represent me in XXXX XXXX, Case No. XXXX. It is to my knowledge that Attorney XXXX XXXX was paid by Bank of America funds to which I also would like to receive from Bank of America. Bank of America foreclosed on my property, while I was trying to do a modification. The State Bar disbarred Attorney XXXX XXXX, XXXX. The Federal Trade Commission stated that case no. XXXX XXXX went to the U.S. District Court for the XXXX District of California. XXXX XXXX did get paid and maybe more. I will be faxing paperwork asap. Anything you can do to help would be appreciated. Thanks in Advance.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 noticed this on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, ( send by USPS with proof, attached ). They have different names listed with the same address. It is listed under experian as. XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX. Listed under XXXX as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI-XXXX. Listed under XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI, XXXX They have failed to validate over and over. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. I contacted the three credit reporting agencies. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I have also requested this information before and they failed to respond

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 03-07-2017 about Mortgage (Other mortgage) with Paramount GR Holdings, LLC (VA).
Issue: Application, originator, mortgage broker

Complaint: I started a refinance with Paramount Equity in California on XXXX XXXX. It is now XXXX XXXX and they keep stalling about the settlement. They told me 4 weeks and 2 weeks ago that I would have it settled by now. I have not heard from my worker and suddenly I have an email that I have to have another appraisal. I have no explanation about what this is about. 

I have immediately sent them any papers they requested. The only thing that I was late on was my income tax. My income is so low that the tax preparer told me that I would not have to do an income tax since it does not vary. Anyway, I immediately filed the income tax. I finally got a copy of it and sent it to the person handling the case then. She said she did not get a copy. Then she said she did not get a copy from IRS. 

The above incident took time. I contacted the woman who sent me my return at IRS. Still nothing was sent to this woman at Paramount. I did not hear anything more from her so I assumed she had obtained the Tax return. Valuable time was lost because of this. I eventually went to my Congressman, XXXX XXXX. He got the tax return. 

They sent me a letter saying they were denying my refinancing. After I complained to the organization itself, they wanted to work with me again. They said they did not need my tax return. It sounds like they might have lost the tax return. 

They promised me they would settle today. Instead I get a request from a person to call them to have another appraisal done. The last appraisal cost {$400.00} dollars that I borrowed from my son. I paid XXXX dollars to have my house cleaned as then I had a XXXX XXXX. 
I can not afford XXXX dollars now. If they had worked consistently and gave good customer service, it would have been done by now. We probably would not have needed the appraisal. 

They told me that I could get a cash out of XXXX XXXX and XXXX XXXX to cover my debts. Then two weeks later another person calls me and said no way I could get a cash out as my debt to earnings ratio is not great. 

I expected this to be over by XXXX at least. By that time I would have my debts paid and able to live on my income. I had to take out XXXX other credit cards as I was not able to live on my income because I had to pay debts. 

I have asked Paramount Equity and the whole list of people I have worked with : XXXX XXXX, XXXX XXXX, XXXX XXXX, and now XXXX XXXX to let me know what is going on and do not leave me stranded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Debt collection (Credit card debt) with ASTA FUNDING INC. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My wages are currently being garnished due to a Default Judgement entered on XX/XX/2008, as confirmed by the XXXX County Sheriff Civil Division. 
I was never notified of the Court appearance to dispute this debt or to defend myself against this lawsuit. 
This Judgement was issued without my presence or knowledge. 
In 2008 ; I was married, going by the name of : XXXX XXXX, which also was not noted In this Judgement. 
I have already filed a Motion To Set Aside this Default Judgement with the same Court. 
I have also contacted the original creditor, who have indicated that they were not a party to and have no knowledge of such a lawsuit or judgement.

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