milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2016 about Debt collection (I do not know) with Performant Financial Corporation (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call from Performant ( phone number XXXX ) on my cell phone at XXXX on XXXX/XXXX/16. He requested I provide personal information, at which point I said I do not give out personal information to someone I do n't know. He listed off my address which I verified, and then he requested my date of birth, to which I again replied that I do not give out my personal info to someone I do not know. I then stated that if there is personal business they have with me, to mail me some documentation and I would respond accordingly. He said " OK Have a great day '' and hung up. 

9 minutes later, I was forwarded a call on my business phone from a coworker from the same exact person. He once again asked for me, at which point I interrupted him and told him that we had just spoken and that he needed to mail me some documentation before I would give out any personal information. I also told him that if I receive any more calls prior to receiving documentation, I would be getting my attorney involved. 

I have no idea what kind of debt they are trying to collect on. I was n't even mad after the first call. What I became upset about is the fact that I informed the gentleman that I needed documentation before I could respond to anything, and less than 10 minutes later, the SAME PERSON is calling again on a different phone number. That, to me, constitutes as harassment. And considering I have no idea what this company is trying to collect, it is very upsetting that they would not honor a simple request of sending me something in the mail.

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 08-05-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: I have a mortgage with Wells Fargo for a property in  XXXX . My employer posted me to  XXXX  and I no longer have  a US mobil e phone number. Wells Fargo online does not allow me to log into the system to service my mortgage without receiving a code t o a US mobi le phone number as part of th eir two factor authentication procedure. As a result I can not service my mortgage online even with current log in   credentials. I spoke with Wells Fargo twice regarding this issue and asked  if the two factor au thentication can be done via my registered email address or a  XXXX  mobile number that can receive text messages. This is similar to ot her US financial i nstitutions. There does not seem to be a solution Wells Fargo is able to offer me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (FHA mortgage) with HOMESTEAD FUNDING CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I obtained a new mortgage through XXXX XXXX for the purchase of a new home. We closed on the property located at XXXX XXXX XXXX, XXXX, NY XXXX on XXXX XXXX, 2015. Our XXXX mortgage payment in the amount of {$1500.00} was due on XXXX XXXX, 2015. On XXXX XXXX, 2015, I logged into the XXXX XXXX website and made our XXXX payment for {$1500.00}. This transaction cleared my bank account via ACH transaction on XXXX XXXX, 2015. On XXXX XXXX, 2015, I received a letter in the mail dated XXXX XXXX, 2015 from XXXX stating that our mortgage had been sold to them from XXXX XXXX. After XXXX XXXX, 2015, I contacted XXXX to determine whether my payment had been received. I was advised at that time that it can take some time for that to happen, however, my credit report would not be negatively impacted as they allow a XXXX grace period for mortgage transfers. Since that conversation, I have received collection calls from XXXX XXXX during which I advised the payment was received on XXXX XXXX, 2015. Once I provided this information to the representative, they stated " oh yeah, now I see it ''. I 've talked to representatives in the loan department at XXXX that have assured me the payment would be sent to XXXX within a few days, then a few weeks and on Monday, XXXX XXXX, 2015, I was advised the payment would be there by XXXX XXXX, 2015. Well, today, XXXX XXXX, 2015, I received a call from an extremely rude collector for XXXX stating that not only has my payment not posted but they are going to report to the credit agencies that I am 30 days late. I was treated as though I was worthless XXXX and told that " if '' my payment does in fact arrive from Homestead, I could dispute the derrogatory information that was reported. This is completely unacceptable. I not only made my payment on time but paid it early and yet I am receiving harrassing phone calls. Also, oddly enough, I received notification from Homestead dated XXXX XXXX, 2015 that stated my mortgage was being transferred to XXXX effective XXXX XXXX, 2015. I thought I was supposed to be notified 30 days in advance if my mortgage was sold???? Clearly this did not happen. I have no confidence in either financial institution.

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 04-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We applied for a loan modification with NationStar Mortgage. The bank denied our modification request, but did not finish the denial properly. We requested supporting documents, and the Bank said they had until XXXX XXXX to reply to us. Despite our requests for the supporting documentation, and frequent follow-up, with no response from our S.P.O.C, the bank went ahead and set a Trustee Sale Date for XXXX XXXX. XX/XX/2014On the bank 's original denial letter, they offered us a " short sale option '' which we wanted to go forward with. The bank gave us specific and lengthy information on the short sale process The bank went so far as to send us the paperwork to fill out and provide us with an email address to return the short sale documents to. We completed the requested documents on the day we received them, and returned them to the bank via their specific instructions that day. 

When we followed up with the bank today, they said it was the wrong paper work, and it was sent to the wrong department. Moreover, they are now claiming that there are no options available to short sell our home. The servicer should at least honor their written and spoken word and allow us to short sale the property.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I owe a past due to PayPal and the credit collector, XXXX, calls me 2 to three times a day. They r calling my cell number and never have verified if I am the correct person they seek.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2015 about Debt collection (Medical) with Brent D. Stamps, Attorney at Law (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I completed admission paperwork at XXXX Hospital and was pre-authorized for XXXX by my insurance company. At this time, I was told specifically by the admission representative at the hospital after asking several times that I had to pay a {$100.00} co-payment per my insurance company. This amount was paid and I got the impression that I could not have XXXX unless it was satisfied. I wrote on the admission paperwork paid in full that the hospital kept. 

Months later, I was contacted by an attorney, Brent Stamps demanding that I pay {$640.00} to the XXXX hospital. It was somewhat confusing to me because I had been told during the time of admission that I was only responsible for {$100.00}. Later, I was contacted by another debt collector requesting {$610.00} with a bill from XXXX Hospital with {$610.00} on it, but not indicating what specifically it was for and why I owed it. 
It is extrememly annoying to be told to pay additional money to the hospital when the preauthorization from the insurance company indicated what I owed according to the hospital admission/billing representiatve. When I asked how she came up with the {$100.00}, I was told that is what the insurance company indicated that I would owe XXXX. 

So to come back months later and indicate that I owe additional money when I questioned it earlier is very annoying. The bill sent to me also indicated a XXXX XXXX credit card payment of {$100.00} on it when I do not bank with them. So that too is inaccurate. 

The hospital stressed that XXXX could not be done unless there is prior authorization from the insurance company but then they misrepresent what is due at the time of admission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: This is in response to the TransUnion credit report I received saying that XXXX XXXX has been verified. I have contacted TransUnion endlessly regarding the removal of XXXX XXXX from my credit report. This is an erroneous and fraudulent account. I have filed an Identity Theft report with the FTC and I am uploading my drivers license, bank statement as proof of address, as well as the identity theft report from the FTC for this fraudulent account. I have also included a copy of my XXXX report showing that XXXX  has done their due diligence by deleting XXXX XXXX from my report with them. If TransUnion comes back again and states that both of these fraudulent accounts have been verified as accurate, I will then request the method of verification under FCRA Section 611 ( a ) ( 6 ) and ( 7 ). Please remove and BLOCK this fraudulent account from my credit report immediately.

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 05-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: 1. I have been un-successfully trying to submit a dispute for all XXXX XXXX union auto loans as agreed to by XXXX in the attached e-mail. Also the history records, and the entries need to be taken out of " potentially negative '' results. There are XXXX separate accounts2. I have been unsuccessfully trying to get removed the XXXX collection account, " recovery '' item also agreed to by XXXX to remove in the attached e-mailThank you for your helpXXXX XXXXDOB : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX : XXXXXXXXXXXX : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Settled in full, company is reporting as open collection item

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to request several credit inquiries that were unauthorized be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of 18 inquiries that I did not authorize. They are as follows : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8.  XXXX XXXX XX/XX/XXXX 9.XXXX XXXX ( 2 ) XX/XX/XXXX XX/XX/XXXX 10.XXXX XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX ( 5 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 13.XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XX/XX/XXXX 16 XXXX XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. XXXX XXXX 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 11-07-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX has been on my collection accounts for a while, I made multiple attempts calling for the company to provide any information of proof and to dispute. When I called they stated that I disputed so many times and will not dispute anymore. When I finally got the woman to tell me what address they were sending it to she stated an address in Georgia and I have lived in New York all my life. Ive explained that I was a victim of identity fraud but the Collection debt agency has not been cooperative. I am backed up against a wall and unsure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/2017, I requested Experian to Block the following accounts per FCRA XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX Balance {$7200.00} XXXX acct # XXXX XXXX  Balance {$11000.00} XXXX XXXXXXXX Business Acct # XXXX I provided all required documents per FTC, including an affidavit of identity Theft a signed govt report of Identity Theft and a copy of My credit Report identifying each account. I even had all the documents notarized.

In Experians responses they never answered the primary question ; whether they blocked any of the accounts listed above. Therefore I will ask it again and to prevent Experian from any confusion, narrow this complaint down to just one question. 
Lets make this as simple as possible. 
I want to know and Experian is required to provide me with an answer, did Experian ever block any of the accounts listed above and if so, when did they block those 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 non-monetary relief
Consumer complaint received 06/30/2015 about Debt collection (Medical) with The CMI Group, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Credit Management has ignored my legal request for validation. Letter attached.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have requested consolidation into one loan multiple times, still have XXXX loans. Ridiculous, these can not be consolidated.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Mortgage (FHA mortgage) with Prime Source Mortgage, Inc (WA).
Issue: Application, originator, mortgage broker

Complaint: House on market XXXX/XXXX/15. Offer submitted and counteroffer extended on XXXX/XXXX/15 after I saw the pre-approval letter. Counter offer accepted on XXXX/XXXX/15 with a 45 day escrow so was to close on XXXX/XXXX/15. The house appraised at value and it passed inspection on or about XXXX/XXXX/15. XXXX/XXXX/15 my realtor thinks docs should be pulled soon. XXXX/XXXX/15 hear from realtor that buyers have to refile taxes with IRS but was done 2 weeks prior so should still close on time or sooner. I move my belongings to storage on the XXXX. XXXX/XXXX/15 am told we will have to file an extension wrong form received then told no just not gotten form yet. So we extend to XXXX/XXXX/15. In all we had to extend this 4 times each time being told it was just one more piece of paper and it would close. First we get the transcript after waiting 5 weeks, then its the wrong one so wait another 2, now we get final approval but no clear to close as the original appraisal is over 45 days so new one ( ends up being three ) is less and I am told sign for new amount or no go and start over ... so I agree within 40 minutes of getting this information and still no close. Its Friday so we have to wait now until monday but then monday is a holiday so we hear that it will be wednesday XXXX/XXXX/15. that comes and goes and still nothing. Now the story is they are waiting on the appraisal hard copy. It finally closed on XXXX/XXXX/15. 84 days/12 weeks later than it started. I lost {$1500.00} on the deal, had to pay for additional mortgage, utilities, credit payments, storage all because of the lender XXXX XXXX, at PrimeSource in XXXX, California. So essentially, I lost over {$3500.00} in this deal. I kept going because it was only one more thing and I was ill and needed to sell house. Until XXXX/XXXX/15 all was going well but thereafter it became a pattern of not hearing from PrimeSource..so if you could reach them on Monday you would get told a situation, then nothing until thursday when the situation was different than was told on Monday and you now think we are making progress and then its Friday and oh yeah its going to go and then by XXXX on Friday oops sorry not today. and over and over it went. I feel this lender is inept and quite frankly unethical at the very least he does n't know what he is doing. I looked him up on XXXX in CA and there was a story on there from XXXX from XXXX of this year and it was almost word for word what was happening to me. Being the seller in this case was tough ca n't imagine what it was like for the buyers. Please address this issue with this lender PrimeSource and XXXX XXXX to prevent other people losing money. I did complain to PrimeSource and the very next day the loan got cleared to close coincidence I think not ...

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
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: TransUnion had reposted a paid debt that had been handled by   XXXX   XXXX   located at   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  (  XXXX  )  XXXX  Overview You 've paid off 61 % of your collection amount.   Balance {$180.00} Highest Balance {$480.00} Opened   XX/XX/XXXX   (  6  mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name  11    XXXX   XXXX   This has been paid in full and I called the debit collector about this statement more than once, and they assured me they submitted to TransUnion as with  XXXX  and  XXXX  that the debit is paid, the only one NOT following federal regulations is TransUnion. I called TransUnion  XX/XX/XXXX  and spoke to a Supervisor who expected me to call the debit agency giving them permission to confirm i allowed TransUnion to interact with them in inquiry to this dispute??? Really? How Evasive can you get??? Ive also turned TransUnion into the FTC for fraudulent information, sabotage attempts, Damaging my credit and doing the same exact childish behavior   XXXX   did to me when I had the issue with   XXXX   XXXX   XXXX .   These people are over seas incompetent twits and should not be allowed to handle consumers personal information as they ar e apt to destr oy and ruin people intentionally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit card () with DISCOVER BANK (IL).
Issue: Closing/Cancelling account

Complaint: I had contacted Discover card explaining the temporarily financial experience I had encountered XX/XX/XXXX, Due to a death in the family, that set me back. XX/XX/XXXX without my permission or knowledge Discover card applied my deposit funds to my balance on my account. I have had my Discover it card since XX/XX/XXXX, with current payments. And this one time I need help in asking for assistance to keep my account active and open. I find out this morning via live chat. That my account had been closed. I was inquiring about how much I needed to bring my account back to it 's original available balance of {$500.00}. XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Rewards

Complaint: I applied for a Chase XXXX XXXX XXXX based on an attractive bonus offer for frequent flier miles ( XXXX ) based on spending within the first year. The offer was XXXX XXXX for spending {$2000.00} in the first XXXX months, another XXXX XXXX for spending {$10000.00} in the first year, and an another XXXX XXXX for spending an additional {$10000.00} in the first year. I met the spending requirement for the extra XXXX in the first year, now the company is refusing to issue the miles stating that the bonus offer was never attached to my account and I would have had to have complained in the first XXXX days of opening the account in order to have it changed, even though I had a year to met the spending requirement. Chase also claims that the offer was only available to select individuals who received the offer by e-mail. However, the offer was advertised on the XXXX XXXX website, which is where I applied. I even have a screen shot of the offer I applied for that I shared on social media at the time. I have talked to several representatives at Chase and all are refusing to honor the bonus offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Deposits and withdrawals

Complaint: My mother deposited a bad check into my account with Bank of America, we have XXXX different signatures. I had a business account & a personal account, I paid of the remaining balance to BOA, but they closed my account and claims I still owe them money. I paid them {$220.00}

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 explanation