milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2016 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Credit decision / Underwriting

Complaint: Was given a closing date of XXXX XXXX, 2016. XXXX XXXX came and we were notified that closing that day would be impossible due to underwriting issues. This was fine, after we were notified we talked to our loan processing rep XXXX XXXX. She told us that worst case scenario the closing would be by XX/XX/XXXX. After been given this information my husband and I took a week of vacation for the week of XXXX XXXX. On XXXX XXXX the last business day before our closing we were notified that closing would again be pushed back. At this point we contacted XXXX 's Supervisor XXXX XXXX, he assured us that worse case scenario the loan would be complete and we would be able to close on XXXX XXXX. Well it is now XXXX XXXX and at about XXXX we were contacted by our loan specialist XXXX letting us know that now we are looking at closing on XXXX XXXX. This is ridiculous. Not only has my family been living out of packed boxes since XXXX XXXX but my husband and I both used a week of vacation to make sure we would be off to move. Not only have we wasted a week of our vacation but we are constantly be strung along with these false expectations of closing dates that come and go and we are n't notified until the business day before that the actual closing date will be pushed back again. We are due out of the current place we are renting XXXX XXXX, if this closing gets pushed back even further I will owe for another month of rent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have had this account for almost 5 years and they are still reporting late payments from almost 4 years ago will they ever forever me for. Wing late I have been a customer for a while now

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Wrong informations on my report ... under employer. I have never worked for a company called 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 non-monetary relief
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a copy of my credit reports and noticed only on Equifax XXXX accounts that did not belong to me XXXX # XXXX AND XXXX # XXXX. I initated a dispute and 30 days later Equifax claimed they verified the information was correct. This is impossible since I called both companies and neither has record of me on file and wont release any other imformtion at my request. Please remove these accounts that do not belong to me ...

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I owed debts to XXXX for XXXX hospital. I paid allied the money owed and they said I do not owe them any mony, my acct. is paid in full but trans union still will not take XXXX of them off my record " they removed XXXX " but not both They say they will keep the one on until 2018 even though it is paid

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2016 about Debt collection (Medical) with Phoenix Financial Services LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never authorize and request services from XXXX XXXX XXXX. In addition, multiple calls have been made to XXXX XXXX XXXX for dispute but never hear anything back. Instead, I received the debt collection from Phoenix Financial Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I started a new job in XXXX 2016. I updated my Income Based Repayment Plan on studentloans.gov. I submitted all of the documents that were needed to the fax numbers given on studentloan.gov. Navient contacted me around the end of XXXX stating they did n't get my income information. I called them and told them I sent it to the fax number given and they stated that was an incorrect fax number. I resubmitted my income to the fax number given by the representative. I then received another email around the end of XXXX of XXXX stating my income did not have my pay frequency, so I resubmitted my income again. I received another email today XXXX XXXX XXXX ) stating I do n't send in income way with pay frequency. I called and told them I did. The representative had to look at my income paper again and saw that the frequency was there. But since a payment was due yesterday, I had to make a payment or complete a forbearance. I do not think I should have a late payment, missing payment nor have to complete a forebarance since I was timely with my correspondence to them and in fact initiated the update to my Income Driven Repayment Plan. Due to this negligence my repayment plan is n't being processed until today! I am not at all satisfied with being punished with a late payment due to their negligence on overlooking the income documentation I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have been unfairly assessed a " monthly maintenance fee '' for over six months on my checking account with bank of america.

I opened my account with bank of america over 15 years ago where I was not assessed monthly fees. At some point, approximately 2 years ago, i started seeing maintenance fees on my account. I called Bank of America and asked how I could prevent being charged the fee. They said that if I used my account only " online '' or through ATMs, I would not be charged a fee. I have typically been conducting my banking in this manner this that time. However, last year I started seeing new monthly fees again even though my banking was still exclusively conducted through the " online '' and ATM channels. I believe Bank of America misrepresented account terms by charging me these fees.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ****THIS IS NOT A REQUEST TO PUT ANY KIND OF FRAUD ALERT OR SECURITY FREEZE ON MY ACCOUNT**** I AM TIRED OF YOU DOIN THAT TO SIMPLY SAY YOU HAVE ADDRESSED MY COMPLIANT. <P/>EQUIFAX YOU HAVE UNAUTHORIZED CREDIT INQUIRIES THAT DO NOT MEET THE " PERMISSIBLE PURPOSE '' CLAUSE OF THE FCRA. ACCORDING TO THE LAW YOU THE CREDIT BUREAU MUST SHOW PERMISSIBLE PURPOSE FOR ALL INQUIRIES. I AM CHALLENGING YOU TO PRODUCE SUCH DOCUMENTATION. <P/>ANYTHING THAT YOU SEND ME SIMPLY SAYING THAT YOU MUST KEEP THE INQUIRIES ON THERE BECAUSE OF FACTUAL TRUTH IS 100 % WRONG, AGAINST THE LAW AND I WILL PUSH FOR A FULL INVESTIGATION INTO YOUR REPORTING IF YOU DO NOT COMPLY WITH MY REQUEST. <P/>1. XXXX ON XXXX I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY. <P/>2. XXXX XXXX ON XXXX I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 3. XXXX ON XXXX I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't know about this debt

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: we had aa XXXX Mortage on our home with ( XXXX ) bank of XXXX. been calling for a month talking with several people getting the run around from Bank of America to relase the title that they are holding which is CRIMINAL- this happened in XXXX but in XXXX on the financial crisis XXXX had a class action lawsuit against them for giving out bad loans. Bank of America ref # XXXX left massages for XXXX XXXX that is title release supervior XXXX no call back. trying to do a direct sell my home. I need this taken care. please HELP!! Name XXXX XXXX phone XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you need any more information please call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2015 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Deposits and withdrawals

Complaint: US Bank had XXXX accounts under my name and I thought you could write a check for XXXX account to deposit it into the other account, because XXXX account I thought had overdraft protection. XXXX disagreed with me and said that I was XXXX XXXX '' checks. I 'm XXXX and I feel she reported me to Chex Systems for a poor reason, granted that I was confused and had no idea this was n't allowed. She took advantage of my XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2016 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Closing/Cancelling account

Complaint: I received a letter dated XXXX/XXXX/2016 stating that my Target red card had been closed due to too many returned payments I immediately called target red card customer service to see what had occurred because I have n't had this issue before they then stated that this had also occurred back in XXXX because my checking account was closed and or frozen I stated that it wasnt and that i hadnt had any similar problems like this with any of my other creditors he then conferenced called my financial institution which they confirmed that my account was n't closed nor frozen but in fact the issue which was causing them to receive that error code thus subsequently returning payments was because my checking account did n't have check writing capabilities which they were initiating payments as a check and could only be used to make payments using the debit option I asked for my account to be reopened but the customer service agent was n't willing to help with that request

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Financial Asset Management Systems ( FAMS ) is engaging in behavior that is in flagrant violation of the Fair Debt Collections Practices Act. I have repeatedly asked FAMS for a statement balance regarding my payments, including interest rates, collection costs, and fees. They have repeatedly ignored my requests. In addition, I called FAMS on XXXX XXXX, 2015 at XXXX XXXX EST to make a payment and the agent that I spoke with proceeded to hang up on me even though I have provided my social security number and date of birth as verification. FAMS is engaging in illegal and abusive debt collection violations which are illegal under the Fair Debt Collections Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: After my mortgage had been changed over to Wachovia Mortgage from XXXX XXXX, it went into foreclosure in late XXXX ( Wells Fargo was the new owner at that time ). Wells Fargo being the new owner and in XXXX, while Wachovia no longer existed Wells Fargo went ahead and foreclosed on my, XXXX XXXX # XXXX, XXXX, CA., home. 
I was under the impression that the transaction between Wachovia and Wells Fargo had made them one -- I could refer to the Wachovia foreclosure and there would be the new current owner responsiibility. However, it turned out to be like chasing a ghost -- Wachovia no longer existed therefore I had no recourse. 
I submitted claim to the National Foreclosure Settlement because Wells Fargo Morgage was part of the settlement but XXXX said I would not be eligible for compensation as they could not find that my foreclosure was recognized as part of the settlement. I decided to call XXXX in XXXX XXXX regarding the ineligibility and the representative said I have your foreclosure paperwork in front of me and it makes no reference to Wells Fargo Mortgage therefore making me ineligible for compensation. 
After that conversation with XXXX, I realized why effort to look into this foreclosure there was no response. I found it hard to believe that Wells Fargo could get away with an underhanded move and get away with it. I know that Mortgage companies can sell and banks and take over on their dealings however I think, in this case, it was deliberate to use Wachovia 's name in the foreclosure as opposed to using their own name -- in order to avoid responsibility. 
Since Wachovia, owner of my property, no longer existed at the time of foreclosure, is it an illegal foreclosure? 
Foreclosure came about after many attempts to work with Wachovia i.e., short sale, transfer of title, modification, etc. and after paying outrageous early payment fees when I had refinanced. The pick a payment plan that I had while I was with Wachovia was a set up for failure from the very beginning. I lost all of my down payment and years of trying to work out a good situation between me and Wachovia.

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 08/24/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I wanted to close XXXX Bank of America IRAs ( with all funds in a money market account ) and transfer the funds to a XXXX account. According to XXXX, rather than a notarized signature, Bank of America required a " medallion signature guarantee '' in order to transfer the funds. As I understand it, this is a specialized service that should only be required for complicated securities transactions. However, Bank of America requires it for all IRA transactions, even though in my case the entire balance was held in a money market fund. Moreover, Bank of America does not provide this service at its own branches. Some other banks do offer this service, but only to their own retail customers. Luckily, after an afternoon of trying every bank in town, the bank that owns our mortgage agreed to provide the " medallion signature guarantee. '' This seems like an unnecessary barrier erected by Bank of America that makes it harder for customers to leave.

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 09-08-2016 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (SC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I previously filed a complaint in XXXX 2015 - Case # XXXX with no relief from the lender, HESSA. I have tried to make more amicable payment arrangements with the lender, however to no avail. They are just not willing to consolidate, reduce a rate or make any type of reasonable payment plans for struggling young people with student debt. They had no trouble overextending credit. Please review the tactics of this entity and help provide with consolidation and better payment arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with ERC (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Account was never mine. Went in person to see if I can have a line on this mentioned account transfered to my name. they would n't even talk to me at the time because it was n't in my name. therefore the debt it is not mine. The account was originally with 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 03-06-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I tried to dispute this, it just appeared on my credit report, it is n't mine I 've never had suddenlink. They say they 've already disputed it. They 're lying. It just appeared in 2016, I 've never, ever had suddenlink services, I 've never ever disputed this before because it 's never been in my credit reports before, and I can prove it. If they do n't remove it immediately I 'm going to sue them.

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 05-03-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We had a loan with Nationstar Mortgage LLC and always made our payment in advance of the actual due date. We refinanced our loan recently and when they sent the demand to the title/escrow company it appeared to be off by one months payment. In order to not lose our lock we went forward with the refinance and decided to dispute this after the fact. We have made numerous calls to Nationstar and each time we are forced to talk to a new person and explain the situation all over again. What we have asked for repeatedly, and Nationstar said they would send, is a complete accounting of all the payments we made over the course of the loan. We believe that they did not give us credit for the XXXX/XXXX/15 payment and therefore owe us a refund. To date we have not received any kind of an accounting from them and are frustrated as we 've called at XXXX XXXX times regarding this. We want a complete accounting of all our payments made to them on our loan. The loan number with Nationstar is XXXX. If you could please help us with this it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Deposits and withdrawals

Complaint: I had made arrangement with bank of America to take the XXXX out of my account for over draft fees and to close my account out. when I got paid on XXXX/XXXX/16 I noticed that my whole paycheck is taken from the bank. I also contact my HR department on my job to let them know not put money into my account. so they decided to put money into my account after I told them that it was close due to fraud. when I got paid that 's when bank took my whole check and not the XXXX. I also called them before XXXX and after XXXX explaining what they was suppose to be doing and they kept getting me run round about my pay check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have a collection item in my credit report that is a total surprise to me : XXXX XXXX XXXX for {$500.00} - Joint account I never opened an account with anyone for it. I do use XXXX service but it is prepaid service, I pay {$100.00} or {$50.00} whenever my balance is low. I never received any bill from XXXX in the past and now this account is in collection. And until now I 've never received any phone calls or mails in their attempt to collect this debt I do n't owe. 

How can I contact XXXX ( no phone or address ) or collector XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX no phone number to contact )? 

What is the most effective way to find out what happened? 

Thanks so much, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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