milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i was contacted by the iq data international folks I was told by a rep that the property was purchased by a different company and that because it was owned by a new XXXX that they needed to cover the debt I agreed that I could make payments as I was doing previously then the next week I was contacted by a XXXX XXXX stating that I was needing to make a full resolution of the amount or they would make some thing bad happen when I inquired about the " next action '' I was told nothing I agreed to attempt to make a payment they withdrew an incorrect amount from my account throwing my whole account into turmoil when I had called before the check went through stating I could make part then and part in 2 weeks then he said ok then I was contacted XXXX by XXXX again stating that he was mad the check did n't go through and if I did n't rectify the situation then he would go forth with further collections activities when I asked for proof of the debt he said he did n't need to provide that

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 trying to fix my old mortgage reporting for over a year submitting over 10 letters & documents. 
Transunion reports mortgage derogatory. Enclosed documents from lender directly contradict that report. 
All three CRA 's fo NOT report my succesful history UP TO THE BANKRUPTCY. 7 years of missed reporting. 
COMPLETE HISTORY FROM LENDER ENCLOSED.

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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OpenRoad Lending (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have no idea who or what this company is. Somehow they were able to access my XXXX and XXXX  credit reports. I did not authorize either of them. I tried calling the number attached to their company on my credit report. They don't have a fraud department and no one knew how to fix the issue. No one at this company, that I do not know of, was able to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America have once again destroyed all home loan mortgage account modification, loss mitigation, and workout assistance related documents and documentation contained within the Bank of America created, maintained, managed, and supervised borrowers Home Loan Modification Status iportal, My Documents tab page. 
I have been unable to navigate to the My Documents tab page of the borrowers iportal since XXXX XXXX, XXXX to today, XXXX XXXX, XXXX. When I was finally able to gain access to the My Documents tab page, every document had been deleted from the list of uploaded and received documents. Even now, I continue to be unable to upload documents directly to the iportal. 
Bank of America continues to destroy my home loan mortgage account records without justification and explanation knowing that when Bank of America destroys evidence the burden of proof shifts to the destroyer of the evidence. 
Bank of America has been trying to create a record that supports their knowingly false position that I have not submitted a complete Request for Mortgage Assistance ( RMA ) application package since XXXX XXXX, XXXX. One of the ways Bank of America representatives thought to do this was through the intentional destruction of the record and documents uploaded to the borrowers iportal. 
I have noticed that the borrowers iportal is no longer supported with technical assistance by an independent third party. This strikes me as unusual, but not when put in the context of Bank of America and their representatives misconduct, mismanagement, and mishandling of the borrowers iportal including, but not limited to, the destruction of per, private, and financial documents, information, data, and records.

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 Debt collection (I do not know) with High Point Asset Inc (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An entity with phone number XXXX keeps calling my cell number XXXX. They call for " XXXX XXXX '' ( sp? ). 
I do not know any " XXXX XXXX '' and I have told that to the caller many times. I ask them to stop calling. They say they will stop calling, but keep doing so. I have had this cell number for many years. 
I wish them to stop calling.

Company response to consumer: Untimely response
Consumer complaint received 05/22/2017 about Payday loan, title loan, or personal loan (Title loan) with Byrider Franchising, LLC (NY).
Issue: Charged fees or interest you didn't expect

Complaint: The usury laws of my state Massachu setts ( Part IV/Title I/Chapter 271/Section 49 ) states that " whoever in exchange for either a loan of money or other property knowingly contracts for, charges, takes or receives, directly or indirectly, interest and expenses the aggregate of which exceeds an amount greater than twenty per centimeter per annum upon the sum loaned or the equivalent rate for a longer or shorter period, shall be guilty of criminal usury and shall be punished ... by such fine and imprisonment. '' The company is charging me more than 2 0 % interest. I even contacted the Attorney General regarding this issue right after I made the purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Other debt) with I.C. System, Inc. (OR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/XXXX i see in my credit score XXXX report me deliquent account, i di n't get email or something about that i 'm still owe {$300.00} pbecause termination but its okay so they give to ic system debt collection, i got letter from ic systemXX/XX/XXXX, and i pay right awayXX/XX/XXXXand ic system sent me letter i did n't owe anything else, but in my credit score i still owe them {$300.00}, they did n't report or what?? they take my money from debot cardXX/XX/XXXX,  can somebody help me thx because my credit score keep going down

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 03-10-2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: OWE MONEY TO CAPITAL ONE ACCOUNTS ... HAD A RECENT XXXX AND I 'M OVERWHELMED BY MEDICAL BILLS ... .IN THE FINE PRINT, EVIDENTLY IN THEIR UNREADABLE SMALL FONT CONTRACTS, THEY ARE ABLE TO CHARGE ( LEGALLY? ) A {$10.00} OR {$20.00} SURCHARGE PER TRANSACTION ... .IT 'S ROBBERY ... .ANYWAY, I 'VE RECIEVED TWO LETTERS FROM XXXX, NY CITY COURT SAYING THEY ARE SUING ME FOR UNPAID BALANCE ... I LIVE ON SS/XXXX CHECK AND CAN NOT AFFORD GARNISHMENT ... ... .THE LETTERS SAY I SHOULD " FILE A LEGAL ANSWER '' ... I CAN NOT AFFORD AN ATTORNEY ... .IS WHAT THEY ARE DOING LEGAL ... CAN MY CHECK BE GARNISHED? ... .WHAT SHOULD I DO? ... VERY WORRIED ... THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a " Paid Collections '' account on my credit report that has an original creditor delinquency date of 2007. I contacted Midland Funding LLC. and asked them to provided me with the original delinquency date so they can remove the " Paid Collections '' from my credit report because it 's been over seven-years since the original creditor reported delinquency. Federal law requires that collection agencies " Midland Funding '' report the original delinquency date from the original account. Because the original delinquency date does not change, the seven-year time frame does not start over when an account is sold or transferred to another lender or collection agency. I have contacted XXXX XXXX Division Manager of Midland Funding LLC through phone calls and certified mail. They only provided me with the date the account was sold to them. I still have no confirmation from Midland Funding LLC about the original delinquency date and they have not removed my " Paid Collections '' which is severely effecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Private student loan debt) with Ability Recovery Services, LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Ability Recovery Services , LLC has reported a collection account on my credit report which has seriously negatively impacted my credit. 

Despite me disputing this account with the credit bureaus multiple times, Ability Recovery Services verifies the debt belongs to me. 

Open date XXXX/XXXX/2017 Original creditor XXXX XXXX To date XXXX and XXXX  have yet to remove this ficticous or fraudulent debt

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: This is the third complaint on the same company that I have made to you. Ocwen Loan Servicing is as crooked as they come. First, after forced insurance on what is now a condemned property, my interest fee magically jumped from the XXXX range in XX/XX/XXXX to over XXXX in XX/XX/XXXX, statements a mess with " hidden '' charges the total figure does not match my interest rate, and modification requests constantly denied. In XX/XX/XXXX my property suffered a catastrophic insurance claim, and it has been an uphill fight to get those funds from Ocwen to repair the property the claim was over XXXX and they are still sitting on XXXX and will not release it now 2 years later after repeatedly providing them what they needed .... Now the City is going to tear down the property because I do not have funds to adequately repair it. So not living in this place for over two years because of the funds tied up, and a contractor mis-appropriating XXXX of it. I now stopped paying the mortgage because Ocwen keeps playing stupid on the financial status of everything, and the remaining insurance funding they are sitting on. Six different instance I was told there is n't any money in escrow for the repairs. Over nine times I was told they have no records of repair inspections completed on the property and therefore are sitting on money but they would n't say how much. Twelve times I was told they would have answers on my account which is what they called red flagged within 7-14 days ... .three months later nothing. There are hundreds of complaints online similar to mine about Ocwen and these corrupt practices, preying on distressed homeowners. I single-handedly was raising my daughter here, fought tooth an nail for the place with Litton Loan Servicing previously preying on us, only to be transferred to the vultures at Ocwen Loan Servicing. They are hiding funding, and playing stupid about everything going on with my account. I can not get an accurate statement in writing on anything. They are making out like bandits on this.

Company response to consumer: Closed
Consumer complaint received 12/21/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed information with Experian credit reporting agency and each of the listed creditors with documentation of errors listed on my credit report and the errors are still listed on my Experian Credit Report. I called Experian on XXXX/XXXX/2016 and spoke with a rep named XXXX and he stated that they contacted the creditors and the creditors state the information is accurate even though the report is showing the errors.

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 09/16/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: A formal request for validation of debt and a cease of communication was sent via certified mail with return receipt. However, the company has continued to send mailings and place calls after receiving the letter, but no validation of debt has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Bank did not pay my homeowner 's insurance policy from XXXX which was due by XXXX XXXX, XXXX. I have an impound account with Chase Bank and Chase collects my money every month in order to pay my taxes and insurance on my behalf. The impound account was mandatory and I did not have a choice to not have the impound account. 
My insurance is with XXXX and the amount for that year of coverage was {$710.00}. Because Chase did not pay the bill from my impound account, the policy was cancelled. XXXX mailed Chase the renewal invoice on several occasions but never received payment. 
Chase put a forced placed policy and charged me over {$3000.00} for coverage beginning XXXX XXXX XXXX through XXXX XXXX, XXXX. Had I not called in to ask why my payment has gone up so drastically over the past year and a half, I would never have learned that they did not pay my insurance but rather paid their own insurance at a rate of 4 times higher than my policy. 
I have spent weeks trying to resolve this with Chase. The supervisor, XXXX XXXX, is very rude and denies any liability. He claims he will not authorize a refund. 
My payment has become too high for me to afford. I know there is foul play going on with this force placed policy and I request CFPB investigate this matter on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Other debt) with First Advantage LNS Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: O n  XXXX / XXXX /2017, I mailed a regular mail request to validate, it was not responded to by NCAC.  XXXX / XXXX /2017, I mailed a certified request to validate debt, give accounting of fees of the debt and other items ( 2nd letter and it was returned not signed for ). 3rd letter, I mailed certified request to delete to the collection agency also, based on FDCPA and TX finance code and the letter on  XXXX / XXXX /2017 not being responded to ( sent  XXXX / XXXX /2017 ), this was the second certified letter. None of the 3 letters have been responded to as of today. The debt is being collected by TWO collection agencies on my credit report. Per the law they do not have to respond, however they do have to cease/stop all collection activities including, reporting to my file with all CRA 's. Note : I mailed a certified copy of the letter sent to the collection agency to the  XXXX  CRA 'S certified, so they could see what I mailed on the day that I mailed. Today is  XXXX / XXXX /2017, t hey have not responded to either letter. The second certified letter gave them 10 days to respond. They refuse to communicate with me, and as of today have ignored all of my legal communications. My attorney sent them a letter 7 days ago also, however, they need to follow the LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband, who died on XXXX XXXX, XXXX, took out a home equity line of credit which was used to back the mortgage on a cabin. The loan became due on XXXX, XXXX, XXXX. This loan was executed prior to our marriage and I am not on any of the title documents. However, I have in good faith paid the monthly interest, maintained the property, and worked diligently with a realtor to try and sell the property ; which is underwater by approximately XXXX XXXX dollars. I hired an attorney hired to represent me as no one was in the bank mortgage department would interact with me, other than through past due notices and written requests to provide letter of testamentary. In the meantime, several cash offers have been made on the property, after 2 1/2 years of no offers, and the bank has still not responded as to their intention. I am now receiving monthly past due notices and no one from the bank has contact either myself or my lawyer.

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 12/18/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My lender kept opening an escrow account for the taxes they said I did n't pay. I got receipts of all my taxes that I paid and yet they are forcing me to pay towards an escrow while they take their time in resolving this issue. By the way this is the second time they are doing this to me. Next month I am force to pay an additional {$270.00} towards an escrow they said I owe? I called and fax all my proof of receipt and they did acknowledge that they got it but still wont resolve this issue.Please help

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Consumer Loan (Installment loan) with Berman & Rabin, P.A. (GA).
Issue: Problems when you are unable to pay

Complaint: About 10 days ago I was contacted by a law firmBerman and RabinThe collector asked if I was XXXX XXXX I said yesThey did n't verify my first name at allThe collection representative began to tell me that I had an outstanding balance from finger hut for over XXXX dollarsI told her I did n't have that large of a balanceShe asked if I was XXXX XXXX I said that is my wifeshe continued to tell me about the debt I then told her in the state of Georgia the spouse is not to be contacted and if was state law that her information was confidential and this is XXXX party disclosure she continued as if she knew the lawI then asked for her Supv she hung upI called back to ask for the manager they started acting like they could n't here me on the phoneI called the next day to have a manager to complain they said a manager would call backAs of today I have n't heard from any managerI would like the recordings of all of the conversationsto my number XXXX and all of the calls as wellI am filing a lawsuit for third party disclosure and anyother Udaap and Fdcpa violations this firm has committed

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Bank account or service ((CD) Certificate of deposit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: Three years ago, I opened a 36 month CD with USAA and a 36 month loan secured by my CD. The maturity date of the CD and the loan payoff date was XXXX XXXX, XXXX Per agreement, funds from the CD would be eligible for withdrawal on XXXX XXXX, 2015, with any remaining balance on the secured loan to be paid from the CD with any remaining balance after deposited into my USAA checking account. 

On XXXX XXXX, 2015, I electronically signed into USAA to cash out the CD and pay the balance of the secured loan. Upon log-in, I discovered that USAA had already taken the loan payment from my USAA checking account, which resulted in an overdraft of appx. {$7700.00}. I then attempted to withdraw the funds from my CD to cover the overdraft, but the USAA system would not allow me to access my account. 

Naturally, I called USAA and informed representatives of the situation, and I made the following requests : 1. I asked that USAA please RETURN the {$9500.00} they had TAKEN from my checking account and applied to the loan. USAA representatives could not ( or would not ) reverse the charge. 
2. I then requested my CD funds be released and deposited into my checking account as to cover the overdrawn funds. USAA representatives could not ( or would not ) provide me access to my CD account or money in the account, although the CD had matured that day. 

Moreover, USAA representatives agreed that my account was overdrawn in error and that the loan balance should have been paid with monies from the CD against which the loan was secured, and they were BAFFLED as to why I could not access my CD or withdraw the funds, but they had no suggestions or apparent means of resolve. I was a told that the money withdrawn from my checking account was a " systems '' issue and irreversible. I was also told not to " worry '' as the " system '' would return the overdrawn funds to my checking account by XXXX XXXX XXXX, minimizing the possibility of more overdrafts. 

RESULTS:1. A negative checking account balance that could not be reversed by USAA nor covered by me, because USAA would not give back the {$10000.00} I had invested 36 months prior with the good faith understanding that I could withdraw the $ XXXX and accrued interest on the CDmaturity date of XXXX XXXX, 2015. 
2. A secure loan DUE but NOT PAID because USAA had overdrawn my checking account and blocked my attempts to withdraw the CD funds that would have covered the overdraft and paid the loan amount due. 
3. NON PAYMENT of four checks posted to my checking account that subsequently bounced, due to the overdraft CAUSED by USAA, and the REFUSAL on the part of USAA reps to reverse the overdraft that USAA made in error or give me access to the CD funds that were due to me that day. I will provide documentation with exact amounts and dates, if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2016 about Consumer Loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I am a XXXX XXXX XXXX woman and did not understand the usury interest rates that these people charge I made a transaction for {$2600.00} and have paid them {$2000.00} I have a financial cresis at home and can not continue to pay these usury interest rates for the rest of my life of 500 %

Company response to consumer: Closed with explanation