milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In year XXXX I bought an investment property located on XXXX XXXX XXXX, XXXX, Texas XXXX. There were two mortgages, one  {$80000.00} and the second {$15000.00} both financed by XXXX XXXX XXXX XXXX XXXX. Total {$95000.00} with a down-payment of {$6000.00} +.
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XXXX XXXX XXXX XXXX XXXX was then bought by Bank of America. In XXXX, I became sick with XXXX XXXX and still is till today, on XXXX. Due to my illness, I could n't go to the property to collect mails or rent the place. Two months into a foreclosure process in XXXX, Bank of America foreclosed on my property for FULL price. I called when I discovered that the house was foreclosed. Bank of America told me that FULL price was paid by XXXX XXXX who bought it and that I do not owe Bank of America any amount on the two mortgages. My three-bureaus credit reports started to reflect XXXX balance on both accounts.
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Then in XXXX, a company called XXXXl, located in XXXX, XXXX XXXX, Texas, XXXX started to call and write to me that I owe them {$15000.00} second  mortgage. Tel : XXXX.
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First, their letter stated that I owed XXXX XXXX XXXX, however, a note they called Alonge-to-note claims that they bought the second mortgage from Bank of America.
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I tried to obtain evidence of sale from Bank of America, BAC but BAC kept telling me that I do not owe them and that I should talk to their attorney because the file has been closed long time ago. Their attorney meanwhile said that only BAC can provide me the evidence of foreclosure sales I needed.
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XXXX then took me to court. To summarize, I was ill and couldnt appear in court the first time. I wrote to the judge with my complaints. The judge ruled against me WITHOUT EVIDENCE.
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The I went to the court the second time to see the judge who thought I lived in XXXX, Virginia whereas I live in XXXX, Texas near XXXX where his court is located.
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After passing judgment without evidence, he advised me to go to XXXX County to obtain the original sale papers and the Foreclosure sale papers. That I should compare the two to see what is owed.
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I did. Both papers show and proved what BAC said that I owe them nothing. However, the judge did not rescind in his judgement. He said I should go and get a lawyer to appeal it. I am on XXXX  and could not afford a lawyer.
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XXXX XXXX has been harassing me since then and accruing interest on the {$15000.00} which they now calculate to be {$19000.00}.
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PLEASE RESCURE ME FROM XXXX. I DO NOT OWE THIS COMPANY A PENNY.
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I will furnish you with necessary documents if you provide me the method ( s ) to.

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 02/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been wrongfully denied a mortgage relief modification under HAMP by Bank of America on at least 2 occasions both in XX/XX/XXXX. The reason they stated for denial is because alleged Investor Owner to my mortgage is XXXX XXXX by way of a merger with XXXX Bank who allegedly received an assignment of the Deed of Trust in XXXX. Apparently XXXX XXXX DOES NOT participate in HAMP and thus BOA can not offer or grant my modification. My research on the XXXX online system shows that the mortgage is owned by XXXX not XXXX XXXX who received an assignment fraudulently executed by a person named XXXX XXXX who falsely claimed to be an employee of XXXX as a Assistant Secretary when in fact she is actually an employee of Bank of America in XXXX, XXXX. XXXX never held or possessed the legal capacity to sign the assignment that was recorded against my property. This assignment is based on FRAUD and False Statements. BOA is standing by its decision to deny my mortgage relief modification because XXXX XXXX does not allow it which is against HBOR in XXXX. 
Now they have a pending foreclosure sale date on XXXX XXXX, XXXX in an attempt to steal my family home.

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 11/27/2015 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent Experian a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. Experian received this letter on XXXX/XXXX/2015 ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:XXXX. XXXX Collections Account # : XXXX. XXXX Collections Account # : XXXX. XXXX Collections Account # : XXXX. XXXX Collections Account # : XXXX. XXXX XXXX XXXX Account # : XXXXAccording to FCRA XXXX XXXX XXXX XXXX sub-paragraph ( a ) ( XXXX ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA XXXX XXXX XXXX XXXX Sub-paragraph ( a ) XXXX ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received an Email from XXXX directly in XX/XX/XXXX, addressed to my name and one of my XXXX card, about the promotional offer that I can earn {$25.00} per card if I add an authorized user and charge $ XXXX spending on that card, and the offer is up to 4 cards ( up to {$100.00} in total bonus ). 

I followed the rules, and added 4 additional cards, met the spending requirements. I got two additional Email from XXXX about the same offer in XXXX and XX/XX/XXXX. In the last Email, XXXX stated that they were experiencing some website outage related to this offer, extended this offer expiration date to XX/XX/XXXX. 

I have waited several months, but still not got the bonus rewards as advertised. I contacted XXXX customer service, but theirs investigation said I personally declined the offer, which is so ridiculous. As I double checked the offer Email carefully, there is no option to decline an offer. The only link within the offer Email is to participate the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had auto pay until slimy Navient took over. They dropped it though I have been always able to pay my loan with ease. They said on the phone it would be brought back. When I do not pay manually on their web site, they have harassed my XXXX year old mother, -called her today on XXXX too. They are rude to her and do n't have the guts to call me. They do not set up auto pay and call people every day to harass them to pay or just pretend to call. A live operator should have to call, no robo calls and ID themselves right away. 
They have also monkeyed with my loan to gain more $ and sham late fees. Do n't let them get away with it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Mortgage (Other type of mortgage) with COLORADO HOUSING AND FINANCE AUTHORITY (CO).
Issue: Trouble during payment process

Complaint: My home was damaged by water in XX/XX/XXXX, mitigation services were completed, as was the repair work. I was issued a final insurance check inXX/XX/XXXX, which had to be sent into CHFA. I called CHFA to confirm all of the steps that needed to be taken and I sent in the check. They then called to tell me the check is being sent back because the proper documentation was not provided ( which was never discussed in the phone call ). I returned their call to confirm, twice, which documents they needed. I supplied them with the documentation that was requested. I then called to confirm, again, that they had received the documents and that everything was set in order for them to release the money. I was assured that they had received everything they needed and that they would issue me two separate checks, one for the mitigation company and one for me. They then sent me a partial check ( XX/XX/XXXX ), one third of the insurance check to be exact. When I called to inquire about it, they told me not all of the proper documentation and been received and that they will only pay out in increments and not issue the full amount. On top of more documentation, they also are now requesting an inspection that the work has been completed, which was never once discussed when we communicated about the issuance of the check previously. My home has also been refinanced with a different company, and CHFA is holding money from me for a home that they don't even own anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: We are filing a complaint against our mortgage lend er Wells Fargo ( WF ) for esc row distortion and intentionally forcing our loan into delinquency due to inaccurate adjustments to the loan payments.   After an escrow analysis had apparently been performed on our loan, it was decided by  WF, th at our payments would increase from {$1300.00} to {$1400.00}, this {$110.00}, increase strained our finances because we had already lost approximately {$600.00} in social security income that we once received for caring for our sons special needs. Since these benefits have stopped almost 1 year ago, it was near to impossible for us to keep up with these increases.   Due to the statutes under the Home stead exemption program, we are exempt from paying any county taxes and our mortgage l ender WF, has errone ously increased our payments overtime due to tax disbursements which they have made to  XXXX  County on our behalf. Our home is also located outside of the nearest considered city limits which allows us not to pay any city taxes as well.     We are requesting that these corrections to our escrow accounts be made right away. Furthermore, WF, has threatened to place our loan into foreclosure on  XXXX   XXXX ,  XXXX , if we do not pay all of the outstanding balances of our loan.   We have raised previous grievances regarding this matter on  XXXX   XXXX ,  XXXX , and nothing was done to correct this matter then.   Modified - - - XXXX  c harged to acct.   Payment changed from {$1300.00} went to {$1400.00} * XXXX .  XXXX ,  XXXX  -- {$1900.00} *Last paid  XXXX   county tax (   XXXX   XXXX ,  XXXX  {$1800.00 } )

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
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NV).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: All my accounts were closed overnight in XXXX 2017.
Referencing my credit reports with Chase : - Never had any late payments - Active customer with more than US {$30000.00} spent in past 12 months After contacting the bank to request for an explanation, I was told the only information that could be provided was the letter sent to me ( attached ).
This action by Chase has severely impacted my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Debt collection (Medical) with Phoenix Financial Services LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. In an attempt to clear my credit I requested assistance to the CFPB and in XXXX XXXX XXXX my dispute via the CFPB was responded to by the creditor/ collection company. My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I was promised that this entry would no longer be reported to any of the XXXX credit bureaus and requested that a Police report be provided. I forwarded the report to the collection agent and have not received any acknowledgement from them. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls back to back without leaving a message identifying who they are. Have had 5 or more calls to my phone in one day. Called me multiple times even after I set up a payment to resolve the debt and insisted I use a different form of payment for faster processing. The rep XXXX and her supervisor XXXX demanded payment from me during initial Contact before I received a first notice and over shadowed my right to validate or dispute the debt within 30 days. Threatened to report to my credit if I did n't pay within the first 30 days of debt being in collections. Both people I spoke to were rude and cut me off every time i tried to speak, they tried to make me feel stupid about my rights and hung up on me multiple times. There were several calls where XXXX and XXXX did not advise me the call was recorded or verify if I was the correct person on the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have settled with XXXX XXXX XXXX over 5 years ago to an amount that was less than owed to them. They have received payments up to the total settled. XXXX XXXX XXXX never sent me a letter stating that the account was settled. I do n't know why they keep these figures on my report. 
I have contacted them on many occasions and they are ignoring my requests. As far as I can say, I have fulfilled the terms of the agreement. They say that the person working the arrangements, XXXX, does n't work there anymore. How is that my fault if the employee handling the account is gone. This does n't speak were highly of a multimillion dollars corporation.In the meantime they are messing up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX 2016 I reviewed my credit report and noticed an account from Procollect , Inc that I did not recall or recognized. They claim that I owe them {$1900.00}. Therefore I sent a validation letter on XXXX XXXX, 2016 requesting additional information on the account they claim I owe them. On XXXX XXXX, 2016 I received a response from Procollect, Inc. however they did not provide payment information, actual balance and date of delinquency.

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 10/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called XXXX in XXXX 2010 that I wish to discontinue my service. They told me they would send me a box to return the receiver. A couple of months passed and I never received an authorization to return the receiver and I did not use my XXXX service after XXXX/XXXX/2010 since they told me I was paid up through that date. They began calling me to collect in XXXX 2010 and I will not pay the {$180.00} balance since I do not owe it. They have reported this on my credit. I need this taken off since I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Student loan (Private student loan) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I recently transferred my loans to XXXX XXXX, also known as the Pennsylvania Higher Education Assistance Agency, because I wished to have loan forgiveness through the XXXX XXXX XXXX XXXX program. When I completed the program application, I was told by The US Department of Education that I would receive notice directly from XXXX XXXX in regards to when I should make my first payment to the new servicer. In anticipation of the notice and upon receipt of an email I received from the lender on XXXX/XXXX/XXXX stating my loans were " in the process of transferring, '' I created an online account on XXXX/XXXX/XXXX through XXXX  in order to receive notices and approve paperless billing ( confirmation received ).  However, I noticed upon signing up and signing into my account that my loans were already " Delinquent. '' I remitted a payment immediately in the amount shown as " past due '' on the homepage in the amount of {$230.00}. I then received a letter by mail on XXXX/XXXX/XXXX, postmarked XXXX/XXXX/XXXX, from XXXX stating that I was still delinquent on my loans. It was the first correspondence I received from the loan servicer and was not consistent with the payments made online. On XXXX/XXXX/XXXX, I signed into XXXX account online again and noticed the website now said I was " Delinquent '' again, whereas, my payment was " 16 days late ''. Therefore, On XXXX I called XXXX XXXX by phone and spoke with Customer Service Agent # XXXX at XXXX who reiterated that my payment was 16 days late ( pre-dating my notice from the lender by email stating the loans were " transferring '' ) and now my payment was due as of XXXX XXXX, XXXX. XXXX XXXX is not proving accurate loan information. Their lack of communication is causing negative crediting information, thus affecting the credit score and financial output of their customers like me. They should have their business license revoked for predatory financial practices. I will scan my postmarked envelopes and email communications from this lender. Please help to rectify the issues with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called TransUnion and XXXX, and XXXX, I have inquires from places that I know I didn't apply to cause I have bad credit so it wasn't any reason for me to apply so I called them and ask them would they removed them because I am a victim of inquiry fraud. 
They have not .so I'm telling everyone out there that it is some fraudulent stuff involved at these credit beureas..

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 11/29/2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Other fee

Complaint: For several months now I have noticed on my statement from Synchrony Bank that there is no minimum payment. They increase each months payment to suit them. The card in question is Walmart and I have realized that this bank has many of the day to day cards people use. At the moment I use this card for monthly food but did not expect the monthly payment to increase for doing so. Attachments

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 06-09-2015 about Mortgage (FHA mortgage) with PNC Bank N.A. (RI).
Issue: Loan servicing, payments, escrow account

Complaint: I am a XXXX in XXXX, SC. Primarily I work with borrowers who have had prior chapter XXXX bankruptcy 's to get their mortgage payments lowered after discharge. 

Time and time again I have the borrowers current servicers taking over XXXX weeks, sometimes months to get a payoff over to the borrower and this is with the borrower actually requesting it. Specifically, the company that is taking this lengthy time to get the borrower what they ask for is PNC Mortgage. The other company 's comply with the immediately upon request but no more than XXXX days from the date of request law, but not PNC. I have a client now who has waited over XXXX months with repeated attempts to have this resolved and PNC has told them " XXXX '' literally every XXXX days for XXXX months. 

Considering this is a violation of the law and not an isolated incident I believe they should be reprimanded for this blatant disregard of their customers needs. In the financial industry, especially the mortgage industry these people are in charge of, in many cases the largest and most important investment in a person 's life. PNC is giving a bad name to banking as they seem to think that the law does not apply to them and that the loans that they service have no real person behind them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am sending you this formal complaint concerning and TU their business practices. This bureau continues to report inaccurate information. I am formally requesting remove this debt from my credit. In the years from XX/XX/XXXX-XX/XX/XXXX my identity was stolen. I discovered this because accounts were opened accounts in my name. I have seen where someone has continued to apply for credit in my name.It is possible that the thieves that committed the fraud. In XX/XX/XXXX I filed a ID Theft Report copies were sent to all XXXX major credit bureaus. I have sent the proper documentation to all XXXX bureaus and the XXXX debt buyers. XXXX DELETED the XXXX Account and then reinserted the account without my knowledge, this as you know is in violation of FCRA15 U.S. Code 1681i

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