milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I am required to carry flood insurance on my property and when I received my renewal notice recently, the premium had gone up dramatically and it stated that I could increase my deductible up to {$10000.00} if my mortgage holder was in agreement with that. I called Bank of America and they said there was no problem with a high deductible but would not send a letter to XXXX to verify this. I went through my insurance agent and he also spoke with BofA with the same results. He actually spoke to XXXX different people and XXXX said they would not send a letter out to XXXX allowing a deductible increase. The increased deductible would drastically decrease my premium, which is what I want. I am requesting that a letter be sent to XXXX from BofA on my behalf.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/ I XXXX XXXX XXXX spoke with XXXX XXXX from Capital One mortgage on a recorded line and was told the reason that I was denied a conventional loan was because of lack of installments such as a car payment or furniture payments. I was told by a XXXX XXXX  that He would look into this talk to his manager and try to get my loan manually looked at by an underwriter. I request a callback from XXXX XXXX and five hours later he called me back rudely told me " Im not lying to you this is how I get paid and XXXX you are NOT going to get the loan. '' Our call got disconnected he never called back. I an hour after being on hold talk to XXXX  who fowards my information to manager XXXX who procedes to tell me that I am indeed denied and because of my lack of credit lines open my use of credit on one of two credit cards was not enough to prove credit worthiness and that ratio of my use of these credit cards are too high of a percentage of credit debt and that this killed my chances of getting a loan. My compliant is that I was givin the run around for several hours told two different reasons of why I was turned down from loan and I was talked to very unprofessionally and I was never asked for provide proof of any of my information on my loan application. Apparently XXXX submitted my loan to underwriting but when he spoke to me the second time today he failed to mention this fact which led to me holding on the phone for 55minutes to speak about my application with XXXX. I am distraught that my chances of getting my home have been completely dashed and my time has been wasted.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Not updating info purchase XXXX car in last 3 years and every bank that the car dealer sent application to also pulled credit and they are charging my credit for every hit how is that fair to me plus stuff on my report from 20 years ago paid bills never updated

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Recovery Solutions Group, LLC (PA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Company has sent letters and left messages on voicemail indicating that they are calling from the legal department and intend to put a lien on my home. The creditor charged me XXXX for XXXX for 3 days to dry up a basement flood, and in the process ripped a chunk of my wall out that was never repaired.

Company response to consumer: Closed
Consumer complaint received 09/20/2015 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection Consultant, a collection agency, reported to XXXX & XXXX that I have a balance to XXXX XXXX {$80.00}. 
The actual balance was {$1000.00} but the way they reported it was misleading. They claimed that there was a high balance of {$920.00} and an open balance of {$80.00}. The truth of the matter is that, the account had been paid in full since XXXX XXXX, 2015 with a XXXX time payment of {$1000.00}. The said agency became fully aware of such payment when they requested copies the attached proof of payment which was faxed to them on XXXX XXXX, 2015 at XXXX XXXX. To make things worst, they also reported the same report on my husband 's credit report despite the account being under my name alone.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: We started out with XXXX in 2007. They suddenly started increasing our payment until we went from paying {$1300.00} a month to {$2000.00} a month. No one could give us an explanation for the increase. We applied for a modification to try to deal with the situation. Not long after, they sold the loan to XXXX XXXX XXXX. Due to the increased payments, we ended up having to file XXXX XXXX. It took our bankruptcy XXXX and an aggravated bankruptcy judge nearly five years to get a modification approved. The month after we finalized the modification they sold the loan to Greentree. We continued to pay the note, using the account number for Greentree that XXXX had sent us. The first correspondance we received from Greentree was in XXXX and it included no payment amount and said " this is not a bill ''. The next letter we got stated that we were over a year behind on payments. Three weeks later, after sending over dozens of faxes and making hours of calls, they tell me I have to fax over a formal dispute. I 've been on the phone for three weeks, talking proof of payment, the modification terms, etc and just now they need me to fax a piece of paper saying I think they screwed up. They just approved the loan for foreclosure, despite the account status being obviously in question. XXXX of the managers, XXXX, flat out told me that something must have been filed wrong. Even if I had been a year behind, the modification would have brought me current. I might actually lose my house even though I am not even a day late on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We have XXXX accounts with synchrony bank. XXXX for XXXX bed which was returned and payments have been made on time. The bed was in my Wife 's name yet the company called and discussed the debt with me in violation of my Wife 's request. They called 10 times in 4 days to collect on a supposed debt that was up to date. Even after requesting that the company ( synchrony ) stop calling us, they continued. I purchased a tool from XXXX last month, and even before I received the first bill, I received XXXX phone calls from synchrony in one day. The first call was at XXXX XXXX and the last was at XXXX XXXX. After the first call I asked them to stop calling my house, Yet I received four more calls after the request was made. I am a XXXX Veteran who is home bound and I get physically ill when I receive phone calls such as those from synchrony bank. ( tel # XXXX XXXX ) was the number that I was called from. Please help me stop the harassment by this company. The debt collectors are harassing me with no cause. Thank you in advance for your assistance.

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 monetary relief
Consumer complaint received 02/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/2013, XXXX ( at XXXX XXXX ) in XXXX XXXX, Indiana told me that my upcoming XXXX would cost me ( out of my pocket ) {$25.00} deductible and either {$12.00} or {$26.00} extra based on whether it was an easy XXXX or a difficult one. XXXX said that " the rest will be written off because of our contract with XXXX XXXX. '' They XXXX out on XXXX/XXXX/13. Afterwards, despite having what I was told was an easy XXXX, I was told that I owed the higher {$51.00} amount. Fine. So I paid it off before leaving the office that same day. Then, in XXXX, I get a bill from XXXX XXXX corporate office for another {$60.00}, still owed for my procedure!!!! I called XXXX at the XXXX XXXX office where I had my procedure done, and explained that I paid the bill in full ... ... .The {$51.00} that I was told was my share of the complete bill. She left the phone, and came back shortly. XXXX exact words to me when she returned to the phone was " Yes, you are correct. The total charge should have only been {$51.00}! '' which I had already paid! So I also called " XXXX '', back from the corporate office, and informed him what XXXX said. Next thing I know, I 'm getting another {$60.00} bill in XXXX 2013 from a DEBT COLLECTION company! So I called " XXXX '' from this IC SYSTEM debt collection company, and explained this entire scenario to her. I emphasized that XXXX, from XXXX, told me TWICE on 2 different occasions that my total bill of {$51.00} was paid up, and I owed nothing further!!! What kind of company is this " XXXX XXXX??? '' Now it 's affecting my CREDIT SCORE!! iT 'S GONE FROM XXXX DOWN TO XXXX! That 's not fair!! Please get back to me ASAP. I 'm considering calling the BBB. 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 11/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a modification on behalf of our client on XX/XX/2016. I have been calling on a weekly basis to obtain status. We sent a third party authorization on XXXX/XXXX/16 and another on XXXX/XXXX/16. I spoke to a representative from Bank of America by the name of XXXX in the Loss Mitigation department on XXXX/XXXX/16 who advised I needed to update our authorization. I called again on XXXX/XXXX/16 and spoke to a representative to confirm they received the authorization. On XXXX/XXXX/16 I left a message for relationship manager XXXX XXXX. On XXXX/XXXX/16 I spoke with XXXX who advised that they needed additional documents. On XXXX/XXXX/16 I spoke with XXXX XXXX who advised she reviewed the documents and file was going back to underwriting. On XXXX/XXXX/16 spoke to BOA again and was advised file in underwriting. I call again on XXXX/XXXX/16 and speak to XXXX XXXX and she now tells me out of no where that she can not speak to me or anyone on this file. I ask her why not and she replies I can not. I ask well who can I speak to? She replies I do n't know. I can not give you any information. After, 5 minutes of asking her to please refer me to someone she tells me I need to speak to their counsel and when I ask for the name she says she does not have it and ca n't give it out to me either way as she can not speak to me. I am filing a complaint because we send them a borrower 's authorization to speak and handle the loss mitigation file on behalf of our client and out of no where Bank of America says they ca n't speak to us and can not provide a valid reason as to why they can not speak to our office nor to the borrower nor can they refer us to the appropriate party with a name and phone number of who we should call. We would like a status of the modification and the name, number, and email of who we need to contact on this file.

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 10-04-2017 about Debt collection (Mortgage debt) with ProCollect, Inc (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Okay, I have contacted and spoke with this company numerous times. The company XXXX has been coming after me for years about this debt with XXXX Apartments ran by XXXX XXXX in XXXX in the amount of {$1600.00}. I satisfied all my judgement with them on XXXX XXXX, XXXX. I still have my original documentation from the day I paid them and have kept it just for this very reason. I have sent a copy of this document to them and they still are coming after me stating I owe them now and not the apartment. I moved out of the apartment XXXX of XXXX and satisfied my judgement while in court there is no reason that I need to pay these folks again.

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 11/17/2016 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: started receiving mail at my address with my actual name altered for an unpaid XXXX bill. Barclays Bank Delaware XXXX XXXX XXXX for {$5400.00}. My name is part of the name on the due bills. Someone just added XXXX names inbetween my first and last name. I have sent letters explaining this is not me, some of my letters to now attys have been sent by me certified mail. I need help to stop these mailings and clear my name

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 07-10-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I submitted to Carrington a written request for a full disclosure as to the categories and dollar amounts for each category that were included into making up the {$41000.00} referenced in my Loan Modification Agreement. This was the amount added to our outstanding principal balance. Our principal balance was {$14000.00} ; the current balance is now {$180000.00}. I am not satisfied with the information that Carrington provided in their response dated XX/XX/XXXX. They provided me with TOTAL dollar figures for the interest and escrow balances. I want more specifics such as beginning and ending dates that comprised the {$29000.00} for accrued interest on the delinquent payments ; and what payments were made from the escrow charged in the amount of {$11000.00}. They did n't break down what was paid for insurance, taxes, etc. from the escrow account. They did n't provide me with any dates for any of the escrow payments. I feel they are being evasive as to what comprised the {$41000.00} added to our principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I switched from XXXX with XXXX XXXX XXXX to XXXX with XXXX XXXX XXXX. XXXX billed me twice during my first month with XXXX with the same dates of service for XXXX, though I no longer had XXXX. When I changed services to XXXX, I had just paid my bill and had a {$0.00} balance. I have tried to resolve this with XXXX XXXX XXXX, but they are unable to show me proof that I still had XXXX and they were rude to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have several student loans on my account, in which most are duplicates. I brought this to the credit bureaus attention and explained if they weee unable to determine which loan was what and what was a duplicate. Then I felt it needed to be removed. They told me 30 days and I would see the accounts removed since they did confirm mostly all were duplicates. Here we are almost 3 months and no account have bee removed and they are still giving pull back when they have the proof. Please investigate this matter.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax held my financial data without my consent. They now say it was taken in the recent massive data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I attended Missouri College in 2008 for the XXXX. Since I graduated I have yet to find a job in the field. I was mislead by Missouri College because they promised lifetime job placement. I am hesitant to further my education because the credits from Missouri college does not transfer in which they also informed me that they were fully accredited. The XXXX was originally $ XXXX which was overpriced compared to others schools in MO. I have n't been able to repay my students loans since graduation and now my loans have almost doubled. Now the school is closed and I am stuck with paying student loans that I ca n't repay.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: For the second time in 6 months, my Bank of America account has been compromised. My purse was stolen out of my car XX/XX/XXXX. My account was compromised at the time but Bank of America put an alert on my account to ask for verbal password for bank center transactions. I closed that account and just opened another one. On XXXX XXXX, 2016, someone was able to use only my ID and with draw {$1300.00} from my bank account. Usually I 'm asked for XXXX forms of ID ( ID and bank card ) when I make a drive thru transaction. Furthermore, if my account has an alert on it then the culprit should 've been asked to provide the verbal password. It was not provided. The bank manager was very rude and was not accepting responsibility for their lack of securing my account. I honestly feel like it 's an inside job at this point because they wo n't give me the contact to their regional manager to discuss the issue. I should have switched banks after the first incident but I thought the matter had been resolved. Six months later and here I am going through this again, and this time the bank associate ( s ) are very rude and not helpful at all.

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 monetary relief
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have sent two letters to Chexsystems asking for validation of an account that I believe is fraudulent. They have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. I requested a copy of any documents provided by XXXX XXXX bearing a signature showing that I have a legal binding contractual obligation to pay as is my right per the FCRA. They are in non compliance.

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 07/25/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a new address for me listed on the Equifax report. It 's show XXXX, Arizona. I have never lived in Arizona. This address is blatantly an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing the loan or lease

Complaint: THESE ARE THE VALID CCP CODES FOR CALIFORNIA CCP XXXX Those are Civil Codes of Procedure for the State of California. 

I have a levy put on my account by a creditor whom I 've never heard of. I 've reached out to Bank of America over the phone, sent supporting documents via e-mail, as well as supporting documents to a branch manager for forwarding to your legal department. Not only did I show proof that all monies that were in my account have been for living expenses because of a XXXX XXXX injury / XXXX XXXX, I even forwarded the supporting link as well. I recently had XXXX on XXXX XXXX 2016 and all my XXXX payments were almost exhausted. I was giving a pre settlement loan from XXXX XXXX for living expenses as well. I even showed proof of that. Why did your incompetent legal department tell me that in the State of California XXXX and XXXX are n't exempt from bank levys? BofA did n't fulfill the laws of California even after they 've double checked. So ... they released my money to the sheriff 's department. Now, I have to go to court to show the judge the supporting documents because your XXXX excuse of a bank levy bench department could n't follow the law. 
Why has bofa lied to me about this CCP for California?

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 11-05-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed several times that the XXXX account was not mine. You guys keep saying that you are verifying with XXXX that the account is mine. I spent over an hour on the phone with XXXX today and they could not find me by name, address or social. XXXX from XXXX sent an email of the call stating that i do n't have an account nor have I ever had an account with XXXX. He also put a copy of the escalation in the email that shows he requested for me to get a copy of this information on XXXX letter head. Im asking that with attached documentation that this account be removed immediately considering that this account is seriously affecting my credit score.

Company response to consumer: Closed with explanation