milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2016 about Debt collection (I do not know) with Javitch, Block & Rathbone LLC (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a Notice of Court Proceeding to Collect Debt on XXXX XXXX XXXX. On the back of the same letter it states : Payment to avoid Garnishment and lines to fill out information such as my Employer 's signature, work place and only XXXX lines to complete as far as money they want me to send in for payment XXXX % of my earnings. This debt occurred in XXXX it is a valid debt however, I was only given 15 days to comply to my understanding I should have 30 days according to the Fair Debt Collection Practices Act I read. I have not received no other notices allowing me to respond before now. I spoke with the creditors Attorney regarding this debt in XXXX and the Attorney stated he would get back in contact with me regarding payment arrangements that was the only contact I had with this creditor. Now 4 years later no other notices sent to me in all this time they want to garnish me without any type of negotiation and acceptance of what I shared I can pay them every week which is {$100.00} dollars. I have already sent {$100.00} last week in good faith to show I am willing to pay the debt owed. So my claim is this debtor failed to give me enough warning does not return my calls and try to work with me, the Debtor is stating I have to pay what they want me to pay regardless of my other creditors and household bills. So I feel I am being done wrong in that that debt is 4 years old, they have not sent me in the 4 years no type of notices giving me the opportunity to work out the debt, only 15 days given for me to respond instead of 30 days which most my other debtors send, pressuring me to get this done in a certain time frame of 15 days, wanting my employers information versus allowing me to make my payments and not returning my calls. I would like to know what can be done about this? I am speaking with a consumer attorney on Monday for more help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, I submitted a cheque drawn on a XXXX bank to JP Morgan Chase for payment. I was paid {$820.00}. On XXXX XXXX, Chase recouped {$890.00} from my account ( plus another {$8.00} fee ) saying the XXXX bank had refused the cheque. 
After many phone calls, on XXXX XXXX, I submitted to Chase evidence that the XXXX bank had honored the cheque. I sent this by fax and by email. 
Today when I talked to Chase, there was nothing on their file and he could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (I do not know) with Credit Protection Association, L.P. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX placed an account from XXXX on all three of my credit reports. I have no knowledge of this debt and they failed to send me anything in the mail to give me a chance to dispute or validate the debt. The last 4 of my social are XXXX  to help locate me in the system

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 Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I, XXXX XXXX, filed CFPB complaint number XXXX. The complaint involved Bank of America not responding to a Qualified Written Request for loan documents related a HELOC we have with Bank of America. XXXX XXXXnformation : Lendees : XXXX XXXX and XXXX XXXX Lender : Bank of America Loan Number : XXXX As a result of the complaint Bank of America provided the signed documents. However, Bank of America claims that {$160000.00} is the maximum amount that was available for borrowing on the HELOC and that my wife and I owe approximately {$160000.00} of that amount. The signed documents only indicate an amount of {$130000.00} as the maximum that can be borrowed against the equity of the home we own. They have not provided any signed documents that the maximum amount of the HELOC is {$160000.00}.

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 06/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind in my mortgage payments due to loosing my job and being a single mom. after several months I received a streamline modification package from chase, I had it notarized and sent back, then I got a call from chase stating the notary was not done correctly and they were sending me another package. I received XXXX package and had it notarized again and sent back, they said it was still incorrect and chase cancelled my loan modification. I dont know why I am being punished for notary error. I asked them to send me another package, they are refusing to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Late fee

Complaint: For a XXXX time, the Macy 'XXXX Card company charged XXXX a late fee and interest on a payment that the bank records showed was paid on time - in fact, after the XXXX time, I set the payment to pay BEFORE the due date. This time, the payment was due XXXX and they were paid XXXX. Although they removed the fees when I called and agreed the payment had reached them on time, many people would just have paid. What a way to make money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-11-2015 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Interest reported to IRS on form XXXX for 2014 is incorrect as it should be {$3100.00} not {$1600.00} ; or if it is not, then the cancellation of debt reported is incorrect and should be lowered by the difference {$1400.00}. Both can not be correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 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 status incorrect

Complaint: please find attached the letter from the creditor for which they have approved of this account being inaccurate reporting. please help me to have XXXX and experin to remove this inaccuracy from the credit reports

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 03/27/2017 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: 1. In XXXX I scheduled an online bill payment on my Homebridge Mtg loan through XXXX. 
2. On the same day in XXXX I also scheduled automatic payments to be sent each month from XXXX to Homebridge. 
3. Because of scheduling two payments in one day XXXX cancelled the first payment to avoid a duplicate payment. This should not have happened because I had the payment dates correct to avoid a duplicate payment. 
4. Homebridge did not get a XXXX payment as a result. My XXXX pmt was applied to XXXX, XXXX was applied to XXXX, making both of those months 30+ days late. 
5. Homebridge did not properly notify me of the error therefore I was not able to resolve. 
6. XXXX notified me that the loan was past due and I called in immediately and made the extra payment. 
7. I log into my Homebridge account every month to check on my payments and my account shows a SMILEY FACE and says YOUR LOAN IS CURRENT. 
8. This deceptive online account status prevented me from being aware there was any problem. As a result my credit score has dropped over XXXX pts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to Equifax ( https : //www.equifaxsecurity2017.com/potential-impact/ ), my personal information was obtained by hackers on Thursday, XX/XX/XXXX and now I 'm at risk of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: this debt, original creditor capital one account XXXX was settled in full with a partial payment with the original creditor capital one, they cashed the check submitted which noted partial payment for payment in full on it, the origins creditor subsequently a few days after cashing the check illegally sold the debt to XXXX  XXXX XXXX who has all the pertinent information but illegally leaves the trsdeline on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In the Spring of  XXXX , I discovered from a colleague that, because we worked at a nonprofit organization, I was eligible for a ten-year payback plan, in which the government would forgive my loans after  XXXX  years of service and continuous monthly payments.  SallieMae  informed me at the time that I was ineligible for this service.     In Spring  XXXX  when I heard again that I should have been eligible, I called  XXXX . They informed me that I had to contact a separate agency who would enroll me in this process. However, none of my six years of payments would count toward then  XXXX  years.     Now this spring, I heard that there was a class action lawsuit against Sallie Mae/  XXXX   for the inaccurate information that they gave me in  XXXX .  Sallie Mae /  XXXX   has recordings of these phone conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX my husband and I refinanced out home with Country Wide Home Loan to consolidate a first and second loan, substantially lower interest rate and cash out some equity. When the original loan was started in XX/XX/XXXX we were not married as of yet but was married prior to final documents being signed therefore the property remained solely in my husband 's name since he had purchased the property a couple of years earlier. In XX/XX/XXXX a second was taken out which was a joint loan and therefore changed title on property. 
After finalizing the refinance in XX/XX/XXXX a loan agent approached us that the rates were coming down again and we should refinance again to lower our payments however advised us not to include my name as I had student loan debt. we were assured nothing would change When Country Wide failed Bank of America assumed our mortgage ow recognizing only XXXX as the sole owner and I as non existing. On XX/XX/XXXX XXXX, my husband unexpectedly passed away. When I notified B of A of his passing the options given to was to be appointed as executor of the estsae,, sell, continue to make payments with no legal interest in the property or assume the loan which involves qualifying to do so. 
In XX/XX/XXXX I was placed on XXXX due to health issues seeing I am not XXXX years old at the time of XXXX 's passing and knowing my main goal is to keep my home where we have lived in for almost thirty years. Where we have raised our children and had the pleasure of welcoming XXXX grand children was absolutely daunting. 
After much exchange of information with B of A they now are granting me information on the loan but the no legal authority. I am in the process of working with Keep Your Home California however they are requiring a new modification which B of A sent me an application for but when I phoned to request information was informed the modification would not be granted if I did not assume the loan. 
The deed to the home is now in my name going through paper work we found copies of the XX/XX/XXXX loan where on XXXX different papers my name was listed with the word borrower as well as letters from ReconTrust the note holder of the property when we fell behind on payment after a prolonged layoff. 
I feel victimized seeing we were lured into a loan where my name was omitted but led to belieie it was no big deal since we were married and the house was in my name I feel this was extremely predatory and fraudulent and B of A needs to do the right thing. 
The loan is current and in good standings however XXXX of my kids have moved into assist me financilly but are in the midst of purchasing their own home. I want m home not only because I have paid for it for 29 years and is modified for my XXXX issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from a company called Credit Collection Services saying I owe them money. First off I never heard of them and do n't owe them any money. 

I sent a certified letter asking for validation of debt within the day 30 period that the letter they sent me said i HAD. 

In the letter I sent them also included a cease and desist clause and to not contact me via phone. 

Credit Collection Services has violated the FDCPA. They have called my house 2 times since they received the letter. That is XXXX violations. Credit Collection Services never sent me proof via validation that I requested. They keep sending me bills and calling. 

Credit Collection Services also has a person name of the bill that I have never heard. Please fine them for their multiple violations of the FDCPA, plus they harassing me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit card () with CITIBANK, N.A. (KY).
Issue: Billing disputes

Complaint: XXXX 2015 Citibank charged over {$5000.00} to a local merchant. The merchant did n't use my name, number, security code or zip code. I called Citibank as soon as I saw the statement and was told they were closing my card, filing a fraud investigation and issuing a new card. I contacted the merchant, who was extremely confused, for the reasons stated above. Fast forward to XXXX 2015 when Citibank STILL wo n't remove the charges, and wo n't tell me why. Every time I talk to them, it 's " XXXX business days '' ... the merchant has attempted several times to run it thru as a credit to be posted, but Citibank does n't accept it. I am at my wits ' end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Using a debit or ATM card

Complaint: This is my 7th complaint about Bank Of America! They have not yet fixed my problem with the money stolen out of my account! They just call me, and leave a message, but never pick up or call me back when I call or leave a message. Its crazy! Now, they charged my account another $ XXXX monthly fee, and an extended overdraft fee and they still have not refunded my money or helped me, but they keep over drafting my account! They should just give me my money back, and save us both a headache. I hate claims, and this is my first in XXXX years, and this process is a con and unjust to the customer!

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 12/24/2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Deposits and withdrawals

Complaint: -On XX/XX/XXXX I ordered ACH push transfer from my Capital One 360 Savings account into my XXXX XXXX account. 
-On XX/XX/XXXX the funds were credited and available in my XXXX XXXX account. 
-On XX/XX/XXXX I closed my Capital One 360 XXXX account. 
-On XX/

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 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: Old information reappears or never goes away

Complaint: The credit Company is   XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  .   XXXX   XXXX     XXXX   I did not apply for this card. I have been writing letters to this company and all  XXXX  credit bureaus for a number of years off and on. There has yet to be a resolution and this company as well as the bureaus have yet to delete from my credit files. I just recently written the companies this past   XXXX    XXXX , 2017 and still getting computer print outs with no validation of signature and who verified the account as accurate.
This negative and inaccurate reporting has been going on for over ( 7 ) years which is past the statue of limitations for the state of Georgia.
This company continues to re-age this information into my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a letter asking them to verify the debt and they never responded

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call every day 3-4 times! I get their emails. I get so many calls while at work. This is unnecessary!

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 05/28/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have paid off my student loans to XXXX and I want the accounts closed immediately but I can not get Navient to respond by email or phone to solve the problem. I have heard MANY complaints about people getting billed for more after getting their loans down to XXXX. I want my loan accounts closed so that they can not do this to me. If you have any suggestions as to how to get them to do this, I would be very grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Mortgage (Conventional home mortgage) with AmeriHome Mortgage Company, LLC (TX).
Issue: Trouble during payment process

Complaint: Our new home mortgage was acquired by XXXX XX/XX/XXXX. Our escrow account was funded with over $ XXXX at that time for taxes due XX/XX/XXXX. 4 months later on XX/XX/XXXX XXXX sent over $ XXXX in payments from my escrow account t for taxes on homes I do not own. I made XXXX calls and got someone who said they 'd address in XXXX weeks. On XX/XX/XXXX $ XXXX payment was disbursed from my escrow for accounts that are not mine. It 's currently XX/XX/XXXX and my valid tax accounts are unpaid. 

XXXX has XXXX tax accounts associated to my escrow account that are invalid. I fear there are many more payments to be made in the coming days and their customer service has not addressed the issue. 

Once these funds are refunded to me we will refinance through a real bank. Can you help us get our funds back and stop the erroneous disbursements from our escrow account?

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I never had an account become delinquent with XXXX XXXX XXXX nor did I receive any notice of missing payments or a collection account. Just now I came across this supposed account by checking my credit report. I want proof it belongs to me or for it to be removed from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (Credit card) with Coastline Financial Resources, LLC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company 's name is Coastline & Associates LLC ... called my husband at his job ( XXXX XXXX, 2016 ) and left a message for him to call and speak to XXXX XXXX about a supposed old debt to XXXX XXXX XXXX in the amount of {$1500.00} ... threatened husband with the law, etc ... we do n't recall this debt at all, but said well maybe it was one from a time over 8 years when it was rough. So my husband called the guy next day arranged for payment agreement and he also asked for it in writing. We got the letter today, XXXX XXXX, 2016 and the letter is a photocopy, no real signature and is asking for the payment only in form of a debit/credit card ... we had something similar happen few years back so this alerted me. Researched them online and have found nothing to show they are legitimate or that what they are doing is real and not a scam.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation