milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company sold my morgage to Dovenmuehle Mortgage Inc, in XXXX 2016. I called the company in XX/XX/XXXX, requesting information regarding my account number and payment. At the time, the mortgage company did not process my account, and that the company would mail me all the information. The company informed me that they would not double up my bill ( bill me for two months ) as I had a grace period.. 
XX/XX/XXXX the company sent me a bill, two months of back mortgage. The company just sent a bill, XX/XX/XXXX with no letter introducing the company, no billing information in terms of when this is due. I called the company immediately and asked where is loan servicing agreement that states loan payment, insurance payment, and tax payment. They stated it was previously mailed, but they would mail it again. On XX/XX/XXXX, I called again requesting information as another bill came in with a late payment was sent. I again asked for the loan service information, tax payment and insurance payment. The costumer service representative could not fax nor fed ex the material. They assured me that I would not be billed for the late fee and that I had until XX/XX/XXXX. I requested that they call their other payment department, which the representative could not provide. Furthermore, the representative provided an excuse that the US Postal service must have lost the previous mailings,. I also requested a direct line to customer service, or an email address, but I was denied stating that they do not allow direct line conversations. I was refused to speak to someone higher in the department. 
I went on line to create an account and I can not access my account. 



What are my rights to pay the bill with something more official?

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have not yet received any information from the Annual Credit Report website It seems neither Transunion nor XXXX can verify my identity online. One concern is also that XXXX asked me a question on the verification link re a mortgage application in 2014 - I never had a mortgage application in 2014, so now I wonder if someone stole my identity?

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I sent letters to XXXX Equifax and XXXX asking them to verify and validate XXXX XXXX for two accounts with different balances but the same account number. I was never informed about the debt and didnt ever know that it existed. Both are under account number XXXX balances of XXXX and XXXX. I was sent a letter that say account were verified but with no proof of documentation that I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion had a glitch in their system that violated the rights of their consumers under Section 6.11. As a result I have been greatly affected and my credit score is suffering as a result. No notice was ever given which is also a violation. I am requesting that all inquiries during this time be removed.

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 08/14/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a letter in the mail on XX/XX/XXXX from Convergent, in which the letter was dated for XX/XX/XXXX. The letter says your response is requested to pay a bill that I knew nothing about. Today, XX/XX/XXXX, at XXXX XXXX, I called the number listed on the letter XXXX, and spoke to a CSR. I was told by the CSR that this bill was sent to them with an original date from XX/XX/XXXX. I was giving a client account number and a contact number to the original creditor who is XXXX XXXX. The CSR would not give me any information on the debt. I was told that the debt would be placed on my credit report if I did not pay. I ask the CSR why I was not contacted in over 13 years about this matter. I was never contacted from this company or the original creditor who is I ask the CSR at Convergent about the statute of limitation on trying to collect on this bill that was said to be over 13 years old. Convergent did not follow the proper laws on trying to collect this debt, I was never notified, the statute of limitations is up, I am being harassed and told my credit would be impacted. After the phone conversation, I immediately contacted the original creditor at XXXX. I provided the CSR at XXXX the client ID number giving by Convergent, and that company could not find that account.

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 10-09-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Trouble during payment process

Complaint: Referenced XXXX Account # XXXX This complaint was closed because I was critical ill and unable to resolve the issue. 

Chase Mortgage Company foreclosed on property XXXX XXXX XXXX, XXXX XXXX, Louisiana during XXXX XXXX. I paid mortgage on this property and Chase Mortgage company had records of transaction. 

During calendars years XXXX and XXXX I reported this to the United States Attorney General because I received foreclosure documents for XXXX XXXX XXXX, XXXX, Louisiana delivered by the XXXX XXXX XXXX XXXX. 

Referenced XXXX Judicial District Court for the XXXX XXXX  XXXX Docket No. XXXX. 

Reference Account Number : XXXX Malfeasance in office by JP Morgan Loan Officers and Board of Directors. 

This is the third complaint I submitted to you for investigation. I never received a reply or answer due to anti-trust laws and malfeasance in office. My name is XXXX XXXX XXXX XXXX. I would like your agency to investigate mortgage fraud by JP Morgan and Chase Mortgage Company. In addition, I submitted information to the FBI regarding XXXX, XXXX, providing misleading information. During calendar year the application for modification loan was lost and misplace on several occasions by XXXX and JP Morgan Mortgage Company. After resigning from a Federal Agency I encounter these issues. I truly believe Seterus, LLC is associated with JP Morgan. I paid my mortgage payment on XXXX XXXX, XXXX, and XXXX reported that I had insufficient funds in my bank account. I visited XXXX XXXX and I was told the check was never submitted for payment. After this incident I completed a complaint with Federal Trade Commission. Also, I reported this predatory loan practices to the United States Attorney General and FDIC for assistance. ATTACHMENTS were submitted with prior complaints. XXXX XXXX  XXXX consumer complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I recently learned Navient has broken the law by calling my brothers new wife 's father and demanded him to make payment on alleged loans said to be associated with my name. 

I have not only cease and desist letters certified mail that all communication moving forward must be in writing but i have disputed the loans entirely based on fraudulent practices by both Navient and XXXX XXXX XXXX XXXX Minnesota. 

I keep getting calls non stop as does my mother. They will not listen to us when we say this is harassment and that they need to stop. All communication must be in writing, period. 

I have requested that they prove the validity of the loans and they send me the wet ink promissory note but still after many requests and many attempts they have not sent me anything. 

From this point on all communication MUST be sent via certified mail. I will not open emails i will not accept calls, PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX an inquiry was made to my credit by XXXX and another to Barclays Bank in DE on XXXX/XXXX/XXXX that I did not request or authorize. My assumption is that these were fraudulent attempts by some third party to open an account in my name since there were multiple inquiries to various companies on or around that date. No one at the card companies seems to be able to help me and keep forwarding me around to various departments. This was my second attempt to try and have this removed from my credit, Luckily no new accounts appear to have been opened but the number of hard inquiries is hurting my credit.

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 06/21/2017 about Debt collection (Other debt) with ERC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a delinquent phone bill in XXXX, it has been charged off and should be dropping off of my credit soon. ERC/Enhanced Recovery Company continues to illegally re-age my account by closing it and reporting it as a new debt by either of their names. Same company and it keeps closing and re-opening the debt and the age of the account is being improperly represented on my credit report. Currently the debt shows it is only a little over a year old and is actively reporting negatively every month. I believe they are attempting me to bully me into paying a debt that has been charged off for years by purposefully harming my credit with " new debt. '' The first day the account became delinquent should be accurately represented and they should be stopped. This is n't the first time they have done this, last time I caved and paid the debt that was due to drop off and saw no improvement to my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit card () with DISCOVER BANK (VA).
Issue: Other

Complaint: Discover Financial services is excessively running credit inquiries from XXXX. They are inquiring at least once every two weeks, in once case twice in ONE day, in a couple of cases, one week apart, and apparantly have done so for at least several years. They are no longer a creditor to me, has not been since XX/XX/XXXX, and I will never be a cardholder of theirs again. In addition, according to the credit report, they plan on continuing to be on my record until XX/XX/XXXX. I have since had another creditor raise my APR due to, at least in part, this excessive and needless practice. I need them to not only stop running these inquiries, but remove me from any list they may have me on as a prospective customer, and also need to remove themselves from my report altogether, as I have not been an account holder for over 7 years. I tried to report this to Experian, but their website is not working correctly to do so, and there is no actual phone number to contact a real person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2015 I am  not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian : Its been over 7 years and all my bankruptcy reporting has been removed except for this  XXXX . This lender was also not a part of my bankruptcy and was paid in full.   XXXX  In chapter  XXXX  bankruptcy  XXXX   XXXX ,  XXXX  Derogatory.  XXXX /2011

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 11/20/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Account opening, closing, or management

Complaint: Back around XXXX, Bank of America ( BOA ) offered " Free For Life Business Checking Accounts '', which I signed up for XXXX for XXXX XXXX XXXX. I have to call BOA every year to get my bank service charge waived for another year. This year when I got charged {$14.00} XX/XX/XXXX, I called BOA as I always do, to get a credit for the {$14.00}. I received a voice message from my local BOA rep that they have waived the {$14.00} for this month only and I will not be able to get this fee waived any longer. What happened to " Free for Life ''??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-04-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: The complaint is against WELLS FARGO We are complaining about FORCED INSURANCE at an absolute ridiculous rate when we had already paid for it.   Are there class action suits? Lawyers? Anything? They have had our PROOF for 2 years AND again since  XXXX   2017  and again they say we have not given them what they need.   They are lying.   They are ruining our lives!!!! What are we to do? They should NOT be allowed to operate like this.

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 08/16/2017 about Checking or savings account (Savings account) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Due to medical and financial situation, on XXXX XXXX, 2017, we filed for bankruptcy protection. We did n't include our bank, Navy Federal Credit Union on our petition, since are trying to maintain a good relation with the bank. Two weeks ago I tried to get gas in my card, to find my credit card did n't work. I called XXXX XXXX XXXX, they stated my credit cards and loan have been canceled, since they found out through my social security we filed bankruptcy. We received no noticed from Navy Federal about what they had did. On XXXX XXXX, 2017, we amended our bankruptcy petition, to include Navy Federal Credit Union. The same day I hand carried a copy of our petition to our local branch in XXXX, VA. The agent faxed and scanned a copy to the bankruptcy department. After the agent faxed the documents, she tried to call to confirm they received the documents, no answer. I called and talked to XXXX XXXX, I asked him did he received my bankruptcy papers, he stated yes, with a rude tone, asking me if I had a lawyer, and letting me know there were a balance of {$480.00} owed to the bank. I advised him, my government retirement will be in on XXXX XXXX, 2017, federal law the bank can not take that money from our account, since we filed bankruptcy. Our son, which is the primary owner, has a military checking and savings account. He went to pay his rent and found out he was short by {$480.00} from his account. Our son told us Navy Federal Credit Union have taken money from his account without his authorization and ca n't pay his rent. As you know Navy Federal Credit Union knowingly commit fraud, while taking money from our son 's account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Debt collection (Medical debt) with State Collection Service, Inc. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Negative credit reporting is appearing on my credit report from State Collection Services, XXXX, Wisconsin. I have never heard of this company and am not aware of any debts owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GU).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I respectfully ask the XXXX who the right person to corrected my name and social security number and contact the Experian to corrected the information it has on file for me. I do n't understand why Experian still not corrected the information on their file. I had sent copy of my driver 's license passport, social security card, even my Bank account number. I ask for the CFPB assistance to inform the credit company to take advantage of my personal information and corrected please. I also sent XXXX my personal information by e-mail. I expect to corrected now. the three credit bureau company. I request the XXXX to allow me to view my dispute online. I do n't know why I ca n't able to see.

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 01/21/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I 'm still own my home and am current on my payments. I tried to dispute my Mortgage payments for 2015, but all XXXX credit bureaus denied my dispute, because I filed bankruptcy. XXXX XXXX refuses to recognize that my house was not included in the bankruptcy, because I did not REAFFIRM the debt. I RETAINED my house instead. Under Chapter XXXX. See, 15 USC & 1681i of the Fair Credit Reporting Act. I 'm allowed to report my payments once a year to all XXXX Credit Bureaus.

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 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX,17 I am restricted from accessing my credit report online or speaking to anyone other than one individual with Experian. named XXXX XXXX at a number that is not toll free. 
I am unable to place a dispute with anyone other than her. I requested a supervisor but was told one is not available. I was instructed not to record the call or she would terminate the conversation per company policy. I am restricted to a special handling department and am not allowed access to any other method. 

they are violating my rights and refuse to remove a fraud alert unless I provide my driver 's license but yet discussed my entire file without verifying my identity based on a report number alone. 

I have documentary evidence from creditors reflecting accounts are not being reported correctly yet my investigation results show all of my accounts were verified as accurate. additionally, my personal info was misspelled, transposed, duplicated, and inquiries were placed that had no permissible purpose which XXXX told me to contact the creditor eve though the acct was removed.

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 02/26/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I 've been a member of USAA since I was a XXXX in 1988. I started banking with USAA about 5 years ago. My complaint is they charge {$25.00} overdraft fees even though I had sufficient funds available the day the transactions posted and were recorded on my on-line bank statement. I had XXXX OD fees of {$25.00} each charged in XX/XX/XXXX for transactions as low as {$3.00} and no more than {$37.00} and it was only a matter of hours before funds were available as deposits arrived the same day the fees posted on my account. This is a gross example of loan sharking. Transactions are authorized, posted and cleared in a manner that favors the banks and hurts the consumer and makes the bank money via fees. They should n't be allowed to charge {$25.00} to loan {$3.00} for a few hours. This is predatory lending at its worst.

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 04/16/2016 about Mortgage (FHA mortgage) with United Shore Financial Services, LLC (MI).
Issue: Settlement process and costs

Complaint: United Wholesale Mortgage got XXXX XXXX XXXX to sign a note and mortgage to United Wholesale Mortgage 's benefit and they advanced no money. The note and mortgage are payable to United Wholesale Mortgage. XXXX XXXX XXXX and United Wholesale Mortgage have a false relationship of " maker '' and " XXXX '' on the note that never should have been released from " closing '' had the real facts been revealed by disclosures required by the Truth in Lending Act. United Wholesale Mortgage securitized the paper but not the debt.

Company response to consumer: Closed with explanation