milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America issued XXXX checks to me because they did not accept partial payments for mortgages. The checks were missing for a period of time, however I am still within the statute of limitations to request that they honor both checks. Instead BOA voided the check and sent the money by wire transfer to XXXX XXXX XXXX XXXX who subsequently took over the loan. BOA should have voided the expired checks in XX/XX/XXXX or XX/XX/XXXX and reissued them to ME! Now BOA believes that they do not have to honor the check because they no longer service the loan. They believe this grossly negligent error is no longer their responsibility which is not true. Checks ' information : XXXX {$1100.00} dated XX/XX/XXXX and XXXX {$450.00} dated XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX a 3rd party XXXX XXXX ( XXXX. XXXX XXXX XXXX, Fl XXXX ) has continued harassing me with calls, letters and also adding this debt to my credit bureau agencies. There is no account number to this debt. 

I have asked to send me original contract with my signature for proof regarding this debt in the amount of {$590.00} and XXXX has failed to do so. I am requesting verification of this debt to XXXX XXXX and removed my 3 credit Bureaus. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (PA).
Issue: Application, originator, mortgage broker

Complaint: i was foreclosed on in XX/XX/XXXX. my house was sold and my credit report reflected that action. from that point on my credit report was reporting ND or no data. 
then after 3 years, and just in time for me qualifying for an FHA loan, quickenloans added a foreclosure coding on XX/XX/XXXX. 3 years after the foreclosure. which to FHA is the start of the 3 year period to qualify for a loan again

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Medical billing failed to submit my doctors bill for XXXX. They filed the bill for the hospital, ( witch was paid by my insurance. And did not claim for the Doctors bill, until after 12 months, which was refused by blue cross, for untimely filling. I call the my insurance, who txt me I was not responsible for this bill, even knowing this they put me in collections. The insurance, XXXX, is sending me a letter, to explain it was the Doctors group, who is at fault but will not admit their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Debt collection (I do not know) with Harris & Harris, Ltd. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They continuously have been calling me claiming that they are a Debt Collection Agency. I have no Past Due Debts and furthermore I NEVER received anything from them in writing regarding the Debt I allegedly owe. I have not returned their calls since it sounds very sketchy to me. They have called on besides today at XXXX, also on the following dates and times : XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX. And numerous prior times since my phone only can hold so many Caller IDs. They have also used several different phone numbers from where they call from : XXXX, XXXX, XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX XXXX company is incorrectly reporting me up to XXXX ( 30/60/90 day delinquencies ) days past due while I am in a debt management program accepted by the company in XXXX, 2015. I was never even 30 days late, and have paid as agreed both prior to and after the debt management plan was put in place. The company refunded late charges, but will not fix credit reporting errors. XXXX XXXX sent the account to a third party to administer the debt management program and they refuse to correct the errors. They referred me to XXXX XXXX ' credit reporting division who stated I needed to talk with Customer Service. I contacted Customer Service who stated they can not speak with me and that I need to call the third party servicing the account. When I call them they refer me back to XXXX XXXX XXXX Customer Service. Nobody will take ownership of this request and keep sending me back and forth to the same XXXX areas and will not help me get their errors fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I would like Full Validation on my parent student loans. How much is owed. Where was the money applied to and why are there extra charges.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Technologies, Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Ran a check on my credit. Found numerous credit inquiries. Trying to buy a home but can not because I keep getting unknown inquiries and don't know how to stop it. Also, I think mortgage companies may have ran my credit more than once within a 120 day period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (NY).
Issue: Managing the loan or lease

Complaint: I have a car loan with West Financial and I have been asking that money paid over the loan amount be paid on the principle. For months they have been telling me ok, but I noticed the next month 's payment was lower. I did not take the bait but the online service would say I owed the full XXXX payment but the statement says I owe XXXX ( i.e. ). However I was told a couple of days ago that they do not apply extra payment amounts to the principle. Is this legal. I live in XXXX and the finance company is in XXXX- WestlakeFinancial. 
The interest rate is almost 25 %.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: We signed online to Bank of America billpay to have them send a check to our kids college apartment for XX/XX/XXXX payment. Bank of America cut the check, withdrew the funds from our account, and used a 3rd party consolidator to deliver the check. The 3rd party consolidator put multiple banks checks into XXXX envelope to deliver to the college apartment. That envelope was taken fraudulantly and our check was signed and cashed fraudulantly. The Apartment did not receive XX/XX/XXXX payment and Bank of America will not return the funds to our account. Instead they are asking the Apartment complex to fill out a form for a federal investigation, meanwhile the Apartment has no rent check from us and we have no money in our account to repay. I understand it is a state law in NC for the bank to resolve by returning our funds while they investigate what happened, however Bank of America refuses to do this. The other XXXX banks who had checks stolen in the same envelope already returned funds to their bank account holders, but Bank of America will not. The apartment is in XXXX NC and our bank account with Bank of America is in NC. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I filed Civil Cause # XXXX, XXXX XXXX XXXX v. Bank of America ( BOA ), in the XXXX XXXX District Court of Texas for breach of contract, slander of title, fraud, FDCPA violations and negligence on XX/XX/XXXX. My lawsuit is based on a title audit that clearly proves Bank of America was an FHA pretender lender that did not have standing to enforce the provisions of my Deed of Trust. Despite this lis pendens regarding the title to my homestead, BOA sold my property to XXXX ( XXXX ) during a substitute trustee auction on XX/XX/XXXX. XXXX 's attorney, XXXX XXXX XXXX XXXX. ( XXXX ) immediately filed Cause # XXXX in XXXX XXXX XXXX XXXX XXXX XXXX and a default judgement for possession was entered. My lawyer appealed to the XXXX XXXX County Clerk but quit the day before I was to appear in Court-At-Law No. XXXX. The Assoc. Judge over ruled my motion for a XXXX-continuance to prepare or find legal counsel and refused to consider evidence I presented to support my adverse claim to my home. I appealed the trial court 's ruling on XX/XX/XXXX and filed a pauper 's affidavit, which according to the Texas Rules of Civil Procedures, Rule 510.9 ( 5 ) ( e ) should have stopped all adverse actions against me until the Appellant Court decides on my appeal. Despite these rules, XXXX requested a Writ of Possession on XX/XX/XXXX to evict me from the property and the writ was issued on XX/XX/XXXX in violation of the Rules. I was served by a county constable and my lawyer and I have been fighting eviction every since. Despite the fact the writ is now XXXX, XXXX and the constable have continued efforts to execute the writ and evict me from my home despite pending litigation and appeals. This is also in violation of Rule 510.8 ( d ) ( 2 ), which states a Writ of Possession can not be executed after the XXXX day after the judge signs the order for possession which was signed on XX/XX/XXXX. The XXXX XXXX XXXX Associate Judge, the XXXX XXXX XXXX office and XXXX have been avoiding my lawyer, XXXX XXXX XXXX ', efforts to have the writ lifted because of the XXXX Texas Civil Procedure rule violations. I have also been informed by the constable that they plan to execute the writ and evict me from my home within the next three days. I am contacting you because you have assumed responsibility for protecting consumers from such egregious violations of federal laws and illegal foreclosure actions. I am uploading details concerning each case. Please investigate on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (I do not know) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NM).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: USAA repeatedly attempt to contact be regarding the debt of another USAA member. I repeat : I was not the individual responsible for the debt. In fact, it was only by relation that USAA continued to harass me for the contact information of the debtor. I repeatedly requested that the harassing phone calls stop. Over a period of about 12 months, USAA continued to make harassing phone calls. They started up again recently and continue to this day. They need to stop and I need to be appropriately compensated for the huge amount of time I have wasted and the expenses I have incurred in my attempts to stop these harassing phone calls. I am a good paying customer of USAA : this is no way they should be treating anyone, let alone a loyal customer. Stop the harassing phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Student loan (Federal student loan servicing) with EOS Holdings, Inc. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My loan was in default and my wages have been garnished for totaling per month XXXX for the last 32 months. I have repeatedly contact my my student loan servicer, Collecto, EOS CCA who only want to offer me a total pay off. They are not even able to provide me with a total balance.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: Bank of America promised me an interest only mortgage for a non-jumbo loan amount. Then as I was putting in an offer for a house the bank told me they had changed their qualifications and said no mortgage even though 1 ) I still qualified w the new criteria, 2 ) the new criteria was not accurate and does not exist. 
After six months of trying to get the promised mortgage reinstate w the bank ignoring me, with my even sending Bank of America the note from my doctor regarding my XXXX they requested, the bank finally responded to me that they no longer offer the interest only loan. Was seeking when they still do. 
Then I called the banks national loan application center no was approved for exactly the same loan in 20 minutes and received a confirming letter. 
Then those who originally denied me found out about my approval and at the managing director level contacted the manager of mortgage services and had a person call me and tell me the loan I had finally been approved for no longer exists. 
However I re-contacted the same department brokers and was told it does exist and they sent me another letter affirming my being 100 % qualified! 
For some reason even though the loan continues to be offered and I continue to be fully qualified thru today, senior management of the XXXX Bank of America continues to discourage and block me from obtaining it. 
I believe there are two aspects to this, one may be discrimination due to my source of income although they fully meet all federal and bank standards and the other is they simply are misinformed about their own products although many of their brokers continue to assure me that the loan I am seeking exists and I am fully qualified.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: the bankruptcy is not mine, and multiple errors with the bankruptcy information reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I found this tradeline listed on my credit report. I send a dispute letter onXX/XX/XXXXto Portfolio Recovery Associates LLC to dispute the debt in accordance of FDCPA and Texas Debt Collection Act ( attached ). They have not sent any proof of any contract bearing my signature or or showed any proof they are legally allowed to collect debt in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (I do not know) with WELLS FARGO & COMPANY (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: About 9 months ago I got dunning calls from Wells Fargo Bank, the calls where about a person who I do n't know AT ALL. I contacted Wells Fargo and told them what was wrong, in addition to getting calls about a person I do n't know the callers threatened to keep me on the their call listing until I paid the debt. Even though it is not mine, When I complained I was told it would never happen again. Well it just did, and he caller made the same threats as before. I want this stopped and want the {$1500.00} they owe me since I am on the do not call registry, and they know I am they wrong person and should not call me. I also want them punished to the fullest extent of the law.

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 06-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Deposits and withdrawals

Complaint: REFERENCE TO CASES : CFPB Case # : XXXX, XXXX, and XXXX As of XXXX/XXXX/2016, I still have not received a total of {$2100.00} deposited at a Chase ATM on XXXX/XXXX/2016 in my Chase account. This was due to the fatal technical problems from a Chase ATM machine malfunctioned on XXXX/XXXX/2016 during my deposit, please see the letters attached from Chase Bank and the cases that I reported at CFPB previously in the months of XXXX and XXXX XXXX XXXX, XXXX, and XXXX ). Thus, I was not able to receive the XXXX rent from my tenant. The check sender, my tenant, informed me on XXXX/XXXX/2016 that her XXXX Bank account was hacked on XXXX/XXXX/2016 after Chase Bank deposited the {$2100.00} check on XXXX/XXXX/2016. As of XXXX/XXXX/2016, per my tenant, the funds in a total amount of {$2100.00} still has NOT recovered at my tenant 's XXXX Bank, and thus I have not received my XXXX rent in a total amount of {$2100.00} from my tenant. With a successful deposit at Chase on XXXX/XXXX/2016, I would NOT experience such painful problems for months. This could be proved easily from my Chase Plus Savings account ending in XXXX over the past three years as a tracking record/history that can be verified. This is the first time and hopefully the last time that I experience this painful ATM Technical issues. It raise red flags for me to ever use Chase ATM to deposit once again. All of the deposits ( both teller and ATM deposits ) went successfully except the XXXX check {$2100.00} deposited on XXXX/XXXX/2016 with a malfunctioned Chase ATM that cause horrible experience for me. 

Overall, I am dissatisfied with Chase Bank on handling this matter that indeed caused tremendous ripple-effect problems due to the root cause of Chase ATM malfunctioned occurred on XXXX/XXXX/2016. Chase Bank has not resolved the issue completely as I still have not received the fund on XXXX/XXXX/2016. Chase Bank closed the case and refused to continue to help. The Chase Branch where the ATM located was not helpful at all from the employees and Branch Manager since XXXX/XXXX/2016. I urge Chase Bank to reopen this case and be responsible for this incident until it is resolved 100 %. Otherwise, I consider Chase Bank is irresponsible and CFPB should make every efforts to work with Chase Bank to resolve this issue at a satisfactory level in a timely manner. As it currently stands, it is at unsatisfactory level from JP Morgan Chase. I am totally disappointed and the CEO of Chase should be informed immediately about my dissatisfaction on how the matter was handled by JP Morgan Chase Bank - it is incomplete and the case was closed and Chase refused to continue helping me as their customer to recover {$2100.00} fund due to the original issue was caused by the CHASE ATM. JP Morgan Chase Bank should be responsible for this loss and reopen the case!

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I recently contacted the company through which I received my student loans hoping to get caught up, as well as to set up an auto pay plan for future payments. I ended up speaking to a man named XXXX XXXX, who informed me that he could definitely help me get caught up. Prior to calling, I was several months behind and was under the impression I needed to make a payment of over {$700.00} to be caught up, but I informed him that I just did n't have that amount to pay up front. XXXX told me that if I set up an auto pay for {$250.00} a month for 3 months, then my monthly payments would be {$160.00} after that, and would gradually increase since I qualified for the pay as you earn plan. Satisfied with this to some degree, I hung up and immediately received an email from a XXXX with an email address that said XXXXXXXXXXXX telling me I needed to contact her immediately and listed forms that needed to be sent. I called XXXX back and asked if I could just tell XXXX that I 'd already taken care of everything because I thought I had on the phone with him. He told me it was very important that I talk to her and she 'd help me from that point on. I called her at the number provided and told her I did n't understand what was going on and that I 'd already set up payment and she told me that I needed to cancel that one and set one up with her. After I explained whom I 'd already set up the next 3 months with, she said that would be fine. At this point I specifically asked what company she was with and what company specifically XXXX had been with, and I could not get a straight answer. She finally told me she represented Navient and was with the department that set up repayment of loans so that I would n't keep being contacted by Navient. It was n't until the following week, when I received another payment reminder with amounts and dates that did n't match from Navient, that I called and reached someone from the actual Navient company who was able to explain that the previously mentioned people were from a 3rd party company called XXXX XXXX.  They were extremely deceptive and turns out those first 3 payments of {$250.00} were fees paid to them to do exactly what I could 've done for free. Never once did they state they were from XXXX XXXX, that it was different from Navient, or that they were charging fees and they were fully aware I was unclear about it all. They intentionally worded things carefully to make me feel as though I was dealing with the people who actually provided my loans. Luckily, I caught it 2 days before my auto pay date and was able to cancel services.

Company response to consumer: Closed with explanation