milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Cavalry Portfolio Services has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/2017 and XX/XX/2017 with an improper response validating this account, but no proper validation has been received. I have requested that Cavalry Portfolio verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Cavalry Portfolio is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. Cavalry Portfolio also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: I always pay my auto loan online using my credit union 's online bill pay feature. For that reason, I never open the bill envelope from Nissan Motor Acceptance Corporation because I 've never paid by mail. NMAC I just found out has been charging me a {$22.00} late fee each month for years now because I paid past the XX/XX/XXXX of the month. This is wrong for many reasons. No mortgage company ( which essentially the NMAC is ) ever applies a late fee until at least two weeks into the month. To apply a late fee for paying past the 2nd day of the month is unheard of in the mortgage industry. For that reason, I am asking that they refund all of the late fees they charged me plus the interest that accrued on those fees. I have never missed a payment nor have I ever paid past the XX/XX/XXXX of the month ( perhaps only a couple of times ). So their late fees are simply outrageous and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (Conventional fixed mortgage) with NVR INC. (MD).
Issue: Application, originator, mortgage broker

Complaint: My husband and I recently applied for a loan with NVR mortgages for our XXXX. 

In our loan estimate ( attached ), we were charged a full year 's worth of property taxes at closing in addition to being asked for nine months of taxes to be held in escrow. My husband and I thought that the 21 months ' worth in taxes was excessive and asked the loan officer XXXX XXXX to only hold 2 or 3 months in escrow. She refused to change it but did ask the NVR settlement company to confirm 9 months was correct. The settlement company she was wrong and only 2 or 3 months was needed but XXXX only said it was a " computer issue '' and still never sent an updated estimate. 

NVR and XXXX XXXX offer an incentive for using their preferred lender of {$15000.00} towards closing cost. The 21 months in taxes we were being charged totaled {$13000.00}, so it seems as if they were trying to exasperate charges to recoup for the incentive. 

XXXX XXXX also ran our credit to determine our loan eligibility but did not disclose to us our actual scores. We asked her several times for the written scores and her response was " give me a call. '' We declined to pursue a NVR but still asked for the incentive and complained to XXXX XXXX ( XXXX 's superior ), but she told us NVR did nothing wrong. 

NVR also did an unauthorized credit check on my husband and I around XXXX XXXX, long after we asked for our files to be shredded.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (MD).
Issue: Unexpected or other fees

Complaint: I did n't receive full refund of {$25.00} from XXXX XXXX XXXX XXXX. when closing card account, as the company was going out of business XX/XX/2017. I had phone confirmation with them, that I would be paid in full {$25.00} with no further fees taken out. I received a check in mail for $! XXXX. They took our fees. 
I made numerous calls to them, based now in XXXX XXXX they told me. They said no record of phone call and would pay {$18.00}. I received new card for only {$13.00}. I told them I could have spent/exhausted that final {$25.00} amount in a store but trusted them to return full amount. The company check to me, I have not yet cashed. This happened from XXXX to now. 
I want full refund. Can you help. Thank You. 
Companies on check XXXX XXXX XXXX. XXXX  XXXX XXXX, XXXX XXXX AZ XXXX & Payable THRU XXXX XXXX XXXX XXXX XXXX, XXXX, NE XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/13/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I bought my home is XX/XX/XXXX for {$130000.00} with full intentions of living in my home forever, especially since it was in the great location of family and had been in the area for very long time, it was my dream home that came true for me and my children. I Fell behind in XX/XX/XXXX after XXXX XXXX that caused a finicial Hardship, I lost {$13000.00} income that year ( XXXX a month loss ). I Have attempted since XX/XX/XXXX to get HAMP, HARP HIT ... After jumping through hoops with Bank Of America and getting turned downed mulitiple times after submitting paperwork multiple times and being told that my INVESTOR type was the reason I did not qualify for any programs of relief. Although my house value had dropped and I was " under water '', I was being told that I did not qualify for any help. So, I Hired an attorney in XX/XX/XXXX for {$2000.00}. which instructed me to continue working with BOA submitting documents and making numerous calls. BOA sent me letters stating my Investor names. I recieved XXXX lettes with XXXX different investor names on my mortgage. I am now three years into this and the wieght of this has effected my health and overall lifestyle as my future is unknown. My home has become a prison. With the cost of repairs and unknown future, I looked into selling my home, but considering I owe three times more than my home is worth today, that is not an option. Now I am facing Foreclosure however, I am being told that I will be taxed for any debt cancelation amount. And in the end loss my once beloved home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage is charging a {$35.00} overdue fee for XXXX unauthorized appraisals/inspections - XXXX on XX/XX/2016 and the other on XX/XX/2016. In the past year, my mortgage payment has increased {$95.00} ; no prior notification regarding the higher payment was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OK).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for & received a loan from Bank XXXX which was then transferred to OCWEN for servicing. In XXXX 2015 I was notified by OCWEN that my loan was a balloon loan which was the first I heard of a balloon loan. I started working to refinance with XXXX when I was told by XXXX that I did not have a balloon loan therefor they could n't refinance. Many hours of phone calls with OCWEN followed with some people admitting that I do n't have a balloon loan while others say I do. Nowhere on my promissory note does it say anything about a balloon loan or balloon payment. I just finished a call with OCWEN when I asked the operator to forward a copy of any balloon loan disclosures I signed. He searched for over an hour and determined that there was no such disclosures signed. I 'm not sure where to go from here but my loan matured XX/XX/2015 and they are now threatening foreclosure. When I enter the terms of my loan based on the promissory note in a loan calculator it shows that it would be paid off XX/XX/2015. HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: We were approved for a modification from Wells Fargo in XXXX of XXXX. IRS started to garnish our wages again and then placed a tax lien on the house 4 months after receiving the modification approval from Wells Fargo. We became behind again on our bills. We contacted Wells Fargo to see if we could make arrangements to bring the account current. I inquired about the modification and the XXXX for Wells Fargo stated we did not have a modification on file and to submit an application for modification. We submitted the documentation for consideration. We went through the process and later they stated we could not receive a modification because we had to wait 2 years under the program guidelines since we received a modification. They later sent us the documents from the XXXX modification ( attached ) stating we need to sign them and mail them back. 

We reached out to an attorney 's office for assistance and they could not locate the modification/documentation filed with XXXX XXXX. The attorney 's office contacted them about the issue. Each time Wells Fargo stated something different. We submitted numerous modification request applications for them to consider and attended the mediation at XXXX XXXX court house. No luck. We filed Bankruptcy XXXX ( XX/XX/XXXX ) to stop them from foreclosing on our house on XX/XX/XXXX. We went through several different processes they claim we had to do in order to receive a modification again. We went through the process and provided the documentation. They also requested we sign the XX/XX/XXXX documents to file the old modification in order to consider our new request for medication/application. We did it numerous times and after the 2 year period to be considered again. They still claim nothing has change regarding our circumstance and they can not approve a modification for us. 

We reached out to them again in XXXX to consider a modification or to see if they had other options to keep the house ( add balance to loan, etc. ). They said we could complete some forms ( Mortgage Assistance Application, XXXX XXXX, etc. ) and submit them for consideration. We submitted the forms to Wells Fargo on XX/XX/XXXX and no word from them regarding the modification. However, we received a letter from their attorney notifying us that they plan to sale our house on XX/XX/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 04/28/2015 about Debt collection (Payday loan) with Financial Asset Management, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Check City continually calls my phone number. I tell them they have the wrong # and that I do n't know the person they are trying to reach. They have continued to call. I 've told them I was going to file a harassment complaint, but they continue to call my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 opened an investigation several times with this company in regards to them reporting unverifiable and inaccurate information in my credit file. 

They have refused to properly investigate my dispute and delete the unverified accounts.

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 03-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a letter from capitol one stating they believe it was fraudulent to contact them ... I called them n it was a credit card open in Florida n they closed it n told me it will be off my credit report within 30 days ... I just it n it 's still shows an acquire ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I just received a letter from Bayview Loan Servicing a debt collector who is threatening to foreclose on my home. They acquired the loan from XXXX. The original lender, XXXX failed to transfer the mortgage and the promissory note to XXXX. Because of this, there has been no payment on the loan in six years and eight months prior to Bayview Loan Servicing, a debt collector " acquiring '' the loan. Under Michigan statute the debt is Time Barred. ( Six years is the statute of Limitations on Promissory Notes in Michigan. ) Bayview Loan Servicing , LLC is threatening to collect on a Time-Barred Debt. Please investigate this Debt Collector.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have 3 student loan accounts with XXXX XXXX XXXX, 2 student loans that were apparently transferred to XXXX XXXX XXXX XXXX an 1 transferred to XXXX XXXX. That are all paid and closed. But they are showing late payments on the accounts after they were paid and closed on XXXX 2015. Also the time that the loans were showing late they were in Forbearance with the companies. Ive made several attempts to correct this issue when the accounts were open and even when they closed. The late payments and collections status are really affecting my credit reports on all my reports. I am left with no choice but to contact you for assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Using a debit or ATM card

Complaint: I used my Bank of America debit card to purchase a hotel stay in XXXX 2013. There were major issues when I got there and my method of booking ( through a third-party called XXXX ) prevented me from getting immediately refunded. I started a dispute with BoA and they sided with me. It was an exhausting process so I closed my bank account. I ran a XXXX report recently and there 's a negative report from Bank of America for over {$600.00}. I never received any communication from BoA that they changed their position on the dispute, never received any collection notices or phone calls, or emails informing me of any debt. I feel as though the dispute was closed and I should not be held responsible for the transaction as originally stated by the bank.

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 06/22/2016 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Credit card protection / Debt protection

Complaint: I used PayPal Credit to finance the purchase of a IPhone 6 on XXXX. PayPal Credit promises protection when buying online and this encouraged me to use PayPal Credit when purchasing from XXXX. I received the IPhone XXXX and after a short while, XXXX " LOCKED '' the telephone due to some fraudulent activity by the prior owner. I could no longer use the IPhone. I immediately contacted PayPal Credit for assistance in combating the fraud perpetrated upon me. Also I am still paying off the IPhone by using XXXX XXXX 's 18 month payment plan. XXXX XXXX refuses to assist me in getting credit back from the seller because PayPal Credit claims that 14 days had lapsed prior to me contacting them. However, TMobile did not lock out the phone during the first 14 days. I relied on PayPal for this type of fraud protection. 

XXXX XXXX, 2016 XXXX - XXXX XXXX XXXX XXXX -negative {$560.00} Payment Paid withPayPal CreditXXXX x {$35.00} Make a PayPal Credit payment Shipped to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX your shipment XXXX XXXX, 2016, Sent by XXXX : ShippedTransaction XXXX Seller XXXX Ambulance XXXX XXXX ( XXXX ) Your purchase New Sealed iPhone 6S XXXXGB - Space Gray ( XXXX ) {$560.00} Item # XXXX Shipping {$9.00} Tax {$0.00} Purchase total {$560.00} Fee {$0.00} Total {$560.00} Need help? First contact the seller through eBay to try resolving the problem. If it 's still not resolved, go to the XXXX XXXX XXXX. You may be eligible for purchase protection.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CCSOffices.com, they ask for my husband. They give me no information. XXXX and I have racked our brains trying to find the debt. We do not have any debts in collections. I googled them, they have an impressive list of complaints as : Zombie Debt Collectors.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (I do not know) with Riverwalk Financial Corporation (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I just had this credit collection reported on my report, Have no idea who where or why, my score dropped XXXX points because of this action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Signed up for a CitiGold Checking Account using targeted offer code XXXX. Upon completing the requirements for the XXXX bonus ThankYou points, I got a letter saying I had completed the requirements and that the points would be deposited. Well over 6 weeks after completing those requirements, I have not received the points.

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 12/18/2017 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 begun disputing my credit report with the agency of Experian since XXXX XXXX, XXXX. I have sent over a dozen certified letters of the inaccuracy of the items listed on my credit report. Each time that I have sent my disputes, I was sent a notice back stating they are missing verification of self ( ID, proof of new address, recent utility bill and dispute request ), I sent in all the requested information and provided them with 15 more additional days to complete the investigation, Experian stated the information was verified but have failed to show me how the information was verified. I 've sent notices on XXXX/XXXX/XXXX with tracking number XXXX on XXXX XXXX, XXXX, tracking number XXXX also on XXXX XXXX, XXXX with tracking number XXXX also on XXXX XXXX, XXXX, with tracking number XXXX which was signed by XXXX XXXX XXXX on XXXX XXXX, XXXX. My final notice on XXXX XXXX, XXXX, included all my previous request on fixing my credit report accuracies as well as verify the information listed and intent to file a complaint or lawsuit if the information was not fixed. I received a letter back stating they will not re-investigate my issue. The mass majority of the information that was reported since the start of the investigation has been deleted but continue to report negatively on my credit causing me harm and not being able to approve for certain loans.I have also requested for assistance regarding their recent security breach and have received a report that my social security number has been impacted but Experian is not trying to resolve this and help my credit information stay safe and reflect correct information! Please look into this matter and investigate 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 non-monetary relief
Consumer complaint received 06-09-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received from my employer a Judgement/wage garnishment from Midland funding. I contacted Mindalnd Funding immidietly, trying to figure out why I was receiving a judgement/garnishment. It was for a credit card debt owed by my exhusband. I explained to Midland Funding that the credit card owed was a legal responsibility of my exhusband, but Midland funding only gave me the option of paying the amount in full ( along with legal fees and interest rate ), or Midland would move forward with wage garnishment. I paid the debt with the understanding that if paid in full the judgement and collection will be removed, since I never received notice of debt or right to dispute, prior to judgment/wage garnishment. The debt did not belong me, it legally belonged to my ex-husband and was docummented on divorce paperwork ( legal document ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Closed Wells Fargo Secured Card ( and my checking and savings account ) and asked that the {$300.00} that I deposited for the secured card be mailed to me. I was asked what address to send it to and I gave Wells Fargo my current address. After about 2 weeks, I called and told Wells Fargo that I never received the check. I was informed that it could take 45-60 days to mail it to me ( first I heard that )! I asked could I pick up the check at a Wells Fargo bank and told no. This is absurd to me. I wish I could make a payment I had due, if I had one to Wells Fargo, in 45-60 days. Just give me my money back. How hard is that Wells Fargo? Why are they holding it?

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