milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2015 about Debt collection (Credit card) with RAB PERFORMANCE RECOVERIES, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In Spring of XXXX, I was service with a summons from RAB Performances, who was collecting a debt on behalf of XXXX Credit Card. The Case Number is XXXX. I responded to the summons within 30 days as required, and denied ownership of the debt. In XXXX XXXX, I pulled my credit report and noticed a default judgment listed for RAB Performances for the amount of {$1700.00}. I disputed this judgment with the credit bureau, and it came back as verified. In XXXX XXXX, I contact XXXX XXXX court via certified mail and requested for the judgment to be dismissed/vacated. I was not notified by the court that a hearing had been set regarding this matter. I was later informed by the clerk of court that the hearing was set in XXXX of XXXX, and the hearing information was mailed to XXXX XXXX XXXX, XXXX XXXX ; I moved to XXXX in XXXX XXXX, which was two years prior to the notice being served. In response to my motion to dismiss, I was contacted by XXXX, XXXX, and XXXX, who stated that they are collecting the debt on behalf of their client, RAB Performances. On XXXX/XXXX/XXXX, my paycheck was garnished for {$350.00}, and my XXXX/XXXX/XXXX paycheck was garnished for over {$400.00}, which has caused a severe financial strain on my household. I contacted them and asked them to verify the original account listed with their office, and they provided the account number of *******************. I informed them that this account number does not match what is listed for this creditor on my credit report, and provided proof. I have yet to receive a response from XXXX, XXXX, and XXXX regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/2010, my mother took a Reverse Mortgage Home Equity Conversion Loan with XXXX XXXX XXXX , XXXX whose address was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. My mother received a sum of money from XXXX XXXX but left {$95.00}, XXXX in equity on the property. My mother has passed. Currently, the loan is being serviced by Champion Mortgage whose address is XXXX. XXXX XXXX, XXXX, TX XXXX. The telephone # is : XXXX. The loan # is : XXXX. The problem that I am having is that two months ago, I found out that I am the mortgagor on the loan. At the time the loan document was drawn up, I was never told that the loan was in my name. Additionally, I was told that the {$95.00}, XXXX equity that my mother left in the property is probably worth {$20000.00}. I was also told that the remainder of the equity died with my mother. I was told that there is nothing that I can do at this time but to sell the property. However, I am writing to you because I feel that my mother was frail and vulnerable at the time she took the loan. Moreover, I was not given information about the type of loan and the pros and cons of a reverse mortgage that was subject to a life estate in my mother 's name. I do not want to sell my home and would like an opportunity to continue to live in my home. As a result, I would like to know if I am covered by the reverse mortgage since the loan was in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My XXXX Acct and personal loan is showing as late, when I have always paid on time with all of my acct. And it was never late. I have tried in good faith to work with XXXX XXXX XXXX credit union and also the credit bureaus to correct this, as this false information is hurting my ability to some day seek a mortage

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 12-01-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Closing on a mortgage

Complaint: This company did a fraudulant activities again, and no wonder why thay have a lot of lawsuit, there employees are very ruid, and if you will call there toll free number there messages, will say, this is a debt collection agency, and we have the right to do this, etc, and im paying them on time, they should change there messages, this is harrashment to the consumer and the second one, is they took my {$1000.00} to my chase account as nuvients loans, and I dont have a students loand to them, there was a double payment to my mortaged to my account between XXXX XXXX, XXXX and XXXX XXXX, there employee is saying, that XXXX bank was the one who input the transactions by XXXX student loans borrower, biller id is XXXX this is there id user namer. 

and it eas them who mess it up, I never even authorized them to get into my chase account Last two months, ago the loans was paid off, and I have refund of {$1000.00} for my escrow account, I even request for a supervisor, instead of I was on hold for two hours, from there employee, its two months, now they never return my refund, and I updated my address here in XXXX XXXX ca, They should give me that interest of the delays, theys said that they are not afraid of this institution because they are big companies. 

XXXX XXXX, a bigger company, and they sent me my refund right away, and they added the interest of some delays, this company fraudulently used again my money, I know that you are helping a lot of home owners I hope that there fraudulent practices should be investigate, Its holiday and they are the one who is using my money Respectfully yours, XXXX XXXX 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 11/24/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/XXXX I reported to my bank ( BB & T ) that there were unauthorized charges on my account. Shortly after they closed the card and sent me a replacement and reversed the charges. The problem is that they sent the new card to an address I never authorized them to use as I did not receive mail there ( I did for a brief period ). I even called them on XX/XX/XXXX at XXXX to ensure that they had the correct address on file as I was having trouble with my credit transactions ( where you have to use your zip code ) and their customer service associate assured me that the address on file was the address I authorized them to use. On XX/XX/XXXX ( XXXX ) I called in and they advised me of the error and told me they would delete the wrong address they had on file, but I would need to call back to request a new card. When I called back on XX/XX/XXXX at XXXX requesting a new card they advised me it would be 5 to 8 business days before I would receive it ( I 've already gone 11 days without access to my bank account ). When I requested it be expedited they told me that I would be charged a {$35.00} dollar fee which they would not waive. When they canceled the debit card that was sent to the wrong address and requested the new debit card they told me I would be charged a {$5.00} fee that they could n't waive at the time and could not guarantee it would be waived if I called back. They recommended that I step into a branch if I was unsatisfied with the time it would take to receive the card, but the nearest branch is 120 miles away ( one way, 240 miles total ). 

This service is unacceptable as everything that 's happened was no fault of my own and my bank refuses to take accountability of their errors. 

I 've accepted that I wo n't be able to buy presents for my family during XXXX XXXX ( the best day to buy gifts ) but now I ca n't even buy groceries or put gas in my car and I pray that I do n't blow a tire or have any other unforeseen issues come up as I have no way of paying for 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 explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 disputed fraudulent accounts on my credit report with XXXX, XXXX and Equifax in writing twice. I requested that XXXX, XXXX and Equifax send me DOCUMENTED PROOF OF VERIFICATION of the fraudulent accounts as per 15 U.S.C. 1681g. Additionally on XX/XX/2017 @  XXXX I spoke with a Supervisor by the name of XXXX XXXX of XXXX over the phone and verbally requested DOCUMENTED PROOF OF VERIFICATION. I specifically asked verbally and in writing for the DOCUMENTED PROOF XXXX has on file proving that the fraudulent accounts were properly verified in accordance with Federal Law at 15 U.S.C. 1681 g, i and 616 and 617.
<P/>Today I sent my THIRD request for DOCUMENTED PROOF as per 15 U.S.C. 1681 g, i and 616 and 617 from XXXX and Equifax as the fraudulent accounts remain on my credit reports 30 days after my request for DOCUMENTED PROOF and I have STILL not been sent the documented proof requested in the first two letters. <P/>I have fraudulent inquiries that I request be removed as they are not linked to any accounts on my reports and were fraudulently made by identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My loan payments are super high. Over {$1400.00} a month. There is no way a payment can be made at that amount wirh having medical bills as i have and a XXXX in college and being a single parent. My loans are all over the place and going into collections at different times of the month in a year. I finish paying a rehabilitation program for one and i call for a status and the other XXXX go into default and I 'm back in square one.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (CO).
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 had opened up an installment loan with a company for a microwave and some furniture however i returned the furniture and was told that i was issued a credit to my account so my balance was lowered to about 1,000.  But now i not only have the original account on my credit report but also another one from the same company when i only had 1 account. I was never issued a credit and now my debt is twice as much even. No one that i talk to you can or will help me with the company and i have tried disputing it with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, We refinanced our mortgage through XXXX XXXX which sold it to Countrywide which was absorbed by Bank of America. After having our second child we tried to sell our home to find something larger to no avail as the market came crumbling down. Bank of America ignored our calls and requests for over 12 months regarding loss mitigation options. Finally they told us they could n't discuss any options with us because we were current. In XX/XX/XXXX we stopped paying the Mortgage. We were told by Bank of America that we needed to find buyers if we wanted a Short Sale and we did on multiple occasions only to have BOA back out or not respond. We were forced to repeat this process numerous times to no avail. After we found a larger property to rent, Bank of America changed the locks barring us from entering the property XX/XX/XXXX / XX/XX/XXXX. We still tried to work with them but every 2 months they would say they were missing paperwork and the process needed to start over from scratch. In XX/XX/XXXX we filed Bankruptcy hoping that would give us a reprieve from BOA and the largely upside down property. We were discharged from bankruptcy XX/XX/XXXX. Unbeknownst to us, We now do not qualify for a new mortgage because A. we have a recent bankruptcy B. the property is still in my wife 's name ( even though the locks have been changed ) C. We get demand letters from the Condo Association regarding unpaid fees ( as BOA still has yet to foreclose the property ). 
We want to move on with our lives but there does not seem to be a way to do so ... Furthermore we will not qualify as 1st time home buyers when our Bankruptcy discharge hits 3 years, because BOA has refused to finalize the process they started 6 years ago.

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 04/14/2017 about Debt collection (Federal student loan) with Performant Financial Corporation (MN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Performant is the debt collection agency that was handling my federal student loan debt of XXXX. They sent me the wrong form to complete and I sent it in at their request. However, 2 years later I called them to find out that because I did n't complete the correct form, they 'd been keeping my loans in a default status but did not notify me of this to my knowledge. It was only supposed to take me 9 monthly payments of {$5.00} to get out of default status. They were supposed to help me rehabilitate my loans but instead accepted payments from me for 2 years and did not provide me the service they promised : to help me rehabilitate my loan. Also, I am a vulnerable adult with XXXXXXXX and XXXX and feel I was taken advantage of in this situation.

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 05/19/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Settlement process and costs

Complaint: Dear CFPB, This is another of a long lists of complaints that I have written to you. Your last response was that, since I had procured legal assistance, you would wait until the process was complete and wanted to hear the results. 
I am getting ripped off. My Attorney, XXXX XXXX, seems to have no argumentative strength. 
Caliber Home Loans, who purchased a fraudulent mortgage against my home from XXXX, is attempting to force that my name be kept on the fraudulent mortgage. I have been fighting against this and communicating about it for eight years and nothing has happened. 
I have to request that you come into this fray. 
My husband stole {$600000.00} from me, he says because of a XXXX, and I am trying to keep my home. 
I have employed XXXX lawyers, have followed their advice, and here I am eight years later right where I started. Something has got to happen now! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In and about the month of XXXX 2016, Ditech sent notice that the amount of mortgages ( and I have XXXX accounts with them ) would be different. Since I have automatic bill pay set up for these accounts, it required an adjustment that apparently missed the timing in some way. Or at least that may be what happened. For XXXX account, Ditech REJECTED the payment due to a change in account numbers that they initiated and of which they did not ( or at least I have no record thereof ) notify me. Therefore, the payments for the month of XXXX were " late '' ( or " rejected '' and then late ). I called to appeal a late fee that was put on only XXXX of the accounts ( the other was not penalized ) and was told my appeal would be submitted. Then the late payment and AN ADDITIONAL late payment appeared again for XXXX, suggesting the corrected XXXX payment was late as well. When I called about that, I was told that the XXXX ( XXXX late fee ) had been dismissed but that XXXX payment was " late. '' I inquired into how that was possible considering that I changed only account numbers on my automatic payment and that submission dates were the same as they had been for years. It was suggested to me via XXXX XXXX and the DItech staff member that the address the payments were being sent to ( and had been for YEARS ) was suddenly no longer the correct XXXX. Again, this is without any notification of a problem with this from Ditech 's end. I appealed again. Oh, and Ditech 's staff person at the time said the first late fee had been removed. Now receiving Ditech 's current statement, XXXX late fees still appear. I pay ALL bills on time ; I have never paid a cent of interest on a credit card because I pay those off every month ( indeed, I have the option with those banks for them to take the billed amount out of account if I somehow missed setting up that bill pay ). Ditech has not communicated well regarding the changes to the account : amount, numbers, and payment address. I believe all is now fixed ( after all of MY effort ) but I seriously object to them charging me any late fees for problems initiated on their end. Please assist me in dealing with them. Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Advertising and marketing

Complaint: I have had a XXXX XXXX for years that included as the primary benefit, annual companion tickets as a reward. There is a substantial annual fee. Upon renewal this year, I did not receive my companion tickets. When I called, I was told that the companion tickets had been discontinued. I was not made aware till after the fee. I receive all communcation electronically and did not receive in sufficent clarity to know that the primary benefit of the card 's annual fee had been discontinued. I was also told that there was another card with a higher fee that still has the benefit. And then I was told they do not offer it period. 

As a matter of course, the product should have been cancelled and made clear that it is now substantially different. There is no benefit to the annual fee. I asked that my annual fee be refunded. I was denied. 

Due to the poor communciation concerning the elimination of the reward program associated with the fee, I want my tickets or a refund.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I asked TransUnion to investigate my complaint because the account is not accurate and verify that the account belonged to me by providing proof with an original contract and my signature ; then to delete it from my credit report. I wrote three letters requesting this information and despite my asking three times for legal verification, according to the FCRA, TransUnion has failed to do so.

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 06/26/2015 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: 10 Late payments on XXXX loans was never given the option at the time for an income based repayment program. Thought about was only eligiable for forbearance and not informed on all options available to me. Overcharged late fee and was told forbearance would cover late payments. This error has impacted my credit report even though I am current on payments for the last several year.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I 've personally written numerous letters to this company and all three credit bureaus to have this account removed from my credit. I do n't owe the debt and it should n't be on my credit report, it is negatively affecting my credit score and my quality of life.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation