milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have XXXX student loans XXXX with XXXX and the other XXXX with XXXX XXXX. XXXX accounts were purchased by Navient. 
Once Navient had possession of the accounts they 've been incorrectly reporting me as delinquent numerous times when I was on deferment and forbearance. I asked them to provide proof of what theyre reporting or remove the incorrect items from my report and they refuse. I called them on XXXX XXXX and a young lady answered the phone and claimed that she would transfer me to the right department that could look further into it and every time she would disconnect the call.. After calling back twice after she conveniently disconnected the call a recording would then pick up instead saying that the the office was now closed for the day at XXXX in the afternoon. Theses people are ridiculous and frivolous.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint is that I have documentation with a final payoff statement that took me XXXX separate requests to obtain ( good through XXXX XXXX, 2015 ), my checks that were cashed ( written XXXX/XXXX/15 and cashed XXXX/XXXX/15 ) and the final {$41.00} fee for transfer and release of title, yet Freedom Mortgage refuses to close out the mortgage loan and is now charging random and ever-changing amounts to close the loan. They cashed, but have not applied the {$41.00} check, nor have they sent it to the county. Their own continued statements indicate no further principal or interest owed. Their documentation and billing has been inconsistent, causing me to pay a late fee of over {$50.00} at one point, despite making double payments, early payments, and paying the refinance off years early. Their own agent, badge # XXXX, verified that a system error had not credited payment properly and that the escrow for taxes was fully paid as well. He assured me that the {$41.00} fee and charge that was listed without explanation was, in fact, for the transfer of title deed needed to closeout the loan and that would be forwarded to the county. He clearly stated and restated that the {$41.00} fee was the only remaining amount owed to close out the loan. They have excessive hold times of over XXXX mins, refuse to answer questions, provide competent assistance and hide behind layers of voicemails and automated options. I asked to speak with a manager and was told he " did n't know if one was available. '' I was transferred to a voicemail, left a message and a full week later received no response, no email, no call back. The automated balance, written balance, on online balance all reflect differently. In XXXX, I checked with the county and they indicated that the mortgage company had not yet forwarded {$41.00} payment ( made on XXXX XXXX ), they advised that I investigate, as the company had a limited amount of time, less than 60 days, to transfer title, or they actually owed us {$500.00} by law. When I called Freedom Mortgage last week and spoke with badge # XXXX and # XXXX, I was given yet a third amount that I owed, another amount of late payment now appears on my credit report, and I am justifiably XXXX. I want this resolved immediately, and this company audited, as I see numerous similar complaints about them online. How is this possible?! It is mob-like behavior and somehow they are getting away with it! My husband is a XXXX veteran of 26 years and it is soundly unfair that he be treated this way. The false billing smacks of mail fraud and the lack of response from the company, the lack of investigation is disturbing. I request that a certified accountant look into their business practices because it appears that this company is manipulating funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (AK).
Issue: Loan servicing, payments, escrow account

Complaint: We entered a SAM agreement with OCWEN approximately XX/XX/XXXX. We have been making payments on time and over the amount stated. From XX/XX/XXXX thru approximately XX/XX/XXXX Double payments were sent to OCWEN that we were not aware of. In reviewing our mortgage payments, we did not find where the extra money we sent for payments was applied to the principle. I contacted OCWEN who could not tell me where the additional monies were applied. An accounting sent from OCWEN shows the funds were applied to fees and service charges. The SAM contract we signed does not state that payments submitted in excess of amount due would be applied to 'fees and services '. We contacted an attorney to try to resolve, but OCWEN continues to be evasive and not provide an answer to our inquiry of why were n't the excess funds sent applied to the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Debt collection (Medical) with Receivables Management Partners, LLC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: To Whom It May Concern : These people, the IMC Credit Collection Agency refuse to work with me to clear up a debt. I can only afford XXXX per month because I am a senior citizen on a fixed income. They then threatened to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have received two voice messages on my cell phone and one voice message on work phone. Two of the messages stated they were from Weiss Arbitration and one from Weiss & Associates. The first message were received on   XXXX   XXXX  , 2017 at   XXXX   XXXX   and   XXXX   XXXX   PST. The first call was to my cell phone and the second on my work phone. The voice mail stated : XXXX ( my name ) " my name is   XXXX   XXXX   calling from Arbitration. My firm has retained a file formal complaint against your name and your social. We will be conducting and in depth investigation in your finances. In state law I am required to notify you 72 hours prior to this which starts right now. You need to be debriefed on all allegations inquired from you financial institute as well as place a statement on the record. I can be at my litigation 's department. My phone number is  XXXX  ext  XXXX . '' On   XXXX   XXXX  , 2017 at   XXXX   XXXX   PST the following message was left on my cell phone : " This message is for XXXX ( my name ). There has been a formal complaint filed with your financial institution. All assets and active accounts are scheduled to be closing within 72 hours. If you wish to protest this case you must contact the law offices of Weiss & Associates at telephone number  XXXX  or press one to be connected now. '' I called my financial institution on   XXXX   XXXX  , 2017 about the voice messages. The representative said that he did not see anything about my account closing and to report these calls to the " abuse '' department of bank. The bank was notified by email of these messages.
There has been no written contact from this " firm, '' and I do not know what this is regarding.
I was contacted by   XXXX   XXXX   and he said that it was regarding some company,   XXXX   XXXX  , and that they had sent a physical letter to my mailing address, as well as my email address. I told him I didnt know what he was talking about and asked him for his physical address. He refused to give me the address, said that they were going to finish this in court, and hung up. Upon minutes of hanging up, he contacted my sister in Texas. She didnt give him any information, she said that he shouldnt be asking for my information. He yelled at her and hung up. Later today, my sister, who lives in Utah, received a message saying that they would be freezing my assets in 72 hours.

Company response to consumer: Untimely response
Consumer complaint received 03/23/2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease

Complaint: I have called National auto finance to speak about my ex husband XXXX account which is paid in full. I only cosigned, He is active military. 
I have disputed this account for being in derogatory over 5 times on my credit report. Every time I call they say they ca n't find the account. But continues to dispute back negative on my credit report.

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 02/24/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX. is reporting to Experian, Which they have not verified the debt that I owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I WAS A VICTIM OF ID THEFT IN A USED CAR BUSINESS, BY XXXX XXXX AND HIS FATHER XXXX XXXX. THEY FRAUDULENTLY USE MY NAME AND NAME SEMBLANCE TO DEFRAUD CUSTOMERS OF THEIR TAXES AND WARRANTY MONEY THEY PAID XXXX XXXX AT THE DEALERSHIP, XXXX XXXX HAS PLED GUILTY TO ALL COUNTS AS YOU WILL SEE ATTACHED. THE TAX LIENS ON MY CREDIT REPORT IS NOT MINE, THEY ARE WHAT XXXX PLED GUILTY FOR

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Bank account or service (Other bank product/service) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Account opening, closing, or management

Complaint: XX/XX/2017 I signed on to my online account at FNB of PA. I wanted to print a statement on my IRA - CD account so that I do not miss the maturity date to transfer it to another organization. When doing so, the statement that appeared was not mine, but for another of their customers. I could not access mine at all and now I have another persons account information. This is certainly a privacy issue and should have been dealt with on a priority basis. I called the customer service number and after a lengthy wait, they could see there was a problem. They mailed me my statement, but I want this issue corrected and it makes me wonder who has my account information. I received a call back from a loan servicing person who left me a message and said what ever problem that I was reporting was correct. It is not correct however and the other persons statement is still showing on my online account. I again reported this to them. So now I think a complaint is in order. I could determine that the last four numbers of my account matched the last four numbers of the other persons account, but mine was a CD and theirs was a savings account. I suppose it was a mapping issue so other account holders could experience the same thing.

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 04-01-2015 about Payday loan () with Concord Resolution Inc (Closed) (NH).
Issue: Can't contact lender

Complaint: I just received a call from a company called Concord Resolutions in XXXX, ny. They claim I owe a payday loan from 2011 from XXXX XXXX XXXX XXXX which is now supposed to be XXXX in the amount of XXXX I 've never heard of these people! They 've given me 10 days to pay and a couple of payment options then they will start calling again.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: To Whom It May Concern : For many years I contracted with Equifax for credit monitoring. Monthly the service has been billed to my credit card. In XXXX I started having problems that the service would not let me run updated information as I had been doing for years. This went on for several weeks so I contacted them by phone. When I contacted the representative I was told me he could see what the problem was and that they would get it fixed. Another week or so went by and still the same. I contacted them through their site to cancel the service of which I received a survey inquiring as to why I was cancelling the service. Shortly thereafter within a week or so I learn of a breach through media. The charges to this day continue to be charged against my credit card yet they advertise they will be providing this service free for all they have affected. I contacted my credit card company notifying them that I was disputing the charge. They reversed one month and continue to charge me monthly for a service I cancelled. I again reached out to Equifax through their site and received a response that they would follow up with me and gave me a case number. So far no one has returned my call either by phone or e-mail. This organization has no approval to continue to charge my card however they do so monthly. In lite of the situation at Equifax, their failure in late XXXX to disclose to me an issue and ongoing billing after they have been told to cease is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with Rent Recovery Solutions (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My lease with The XXXX apartments was terminated in bankruptcy including the debt. The XXXX Apartments was sold to XXXX XXXX Apartments. The debt was then transferred to Rent Recovery Debt collections and placed on my credit report. I 've disputed the debt with XXXX And XXXX but with no luck. The dispute was opened a little over 2 months ago with no reply from XXXX. And XXXX simply adding a comment on the account that the collector could not locate me. Since the original debt was discharged I dont think they should be allowed to report it on my credit report and I 'd like to have it removed. XXXX also changes my entire report on a monthly basis changing my name from XXXX XXXX XXXX to XXXX XXXX and with each change a dozen accounts disappear then reappear a month later when they change the name again. This drastically changes my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: We asked them to remove my sisters accounts off of my credit report because they were not mine. I am in jeopardy of losing my property and earnest money due to waiting almost more then a month for a response with no response back yet. I have continuously contacted them to get this resolved and they continuously just keep blowing me off and telling me to wait

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was included in the Equifax security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovate Managed Holdings, LLC (MS).
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 went into a loan agreement with   XXXX   XXXX   XXXX   XXXX   on  XX/XX/XXXX  was paying according to the loan. However the loan was sold without my knowledge, to Innovate Auto Finance in  XXXX  with my knowledge no information was mailed or phone call I continued to pay. The new loan company cut my vehicle off through GPS tracker that led me to believe there was a mechanical problem with the vehicle so I fell behind in payments. While my car was in the shop my car was repoed by the new company. I called them for the amount owed his exact words were my balance was  XXXX  and it was for an entire year until I disputed it off my credit file. They never mailed me any information of what the car sold for, my balance owed, or any information regarding the vehicle I made several attempts by calling, mailing letters with no response They told me I owe nothing. When I disputed the loan amount went from   XXXX   to  XXXX . I disputed it again they decrease it to  XXXX  dollars

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (TN).
Issue: Application, originator, mortgage broker

Complaint: I have been trying to get a refinance with chase since XX/XX/XXXX, and lost my job XX/XX/XXXX, and file a Harp with them, and since all the paper work they ask for and they said I was not approved, all I want is for my interest rate to be reduce from 8.25 % .I only owe them {$85000.00} and I talked to one customer service agent 2 or 3 weeks ago, I was told that my home was appraisal for {$110000.00} when it gets to XXXX they talk to me.I though this was a '' good faith '' loan, do they do all their customer this way.They foreclosure on me without informing me through a newspaper XX/XX/XXXX, and Tn.Homes save my home.I have a partime jod now and my SSA , my income is sufficient enough to take of the note.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Late fee

Complaint: credit card number : XXXX set up automatic payment to " Pay amount due on due date '' for this Bank of America Visa Card ( under XXXX XXXX XXXX ). However, on XXXX, only minimum payment of {$25.00} was deducted. This resulted in I being charged interest on XXXX ( and potentially future date ), and potentially affect my credit score. I contacted BOA but it is a mess there. I was being directed here and there with no resolution. 
The mistake is unexcusable. My family have all kind of credit cards and have never seen a mistake like this. I like BOA to:1. correct his promptly and refund any penalty interest charged. 
2. explain to CFPB why this happen and how many customers have been affected by this mistake, how much fee they have collected out of this mistake. 
3. explain to me whether this affect my credit score and correct promptly if it does.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/31/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: I was charged a {$5.00} fee by Bank of America for withdrawing {$30.00} on or about XXXX/XXXX/2015. There was no disclosure of the at time of the transaction. 

I called Bank America customer service number on the back of the card XXXX on XXXX/XXXX/2015 around XXXX central and was told that we were on a recorded line. I shared my concern regarding a {$5.00} fee and was told that the fee was because of a {$20.00} withdrawal at a gas station on XXXX/XXXX/2015 but that he did have the authority to waive the fee. I requested to talk to a supervisor, XXXX the supervisor said the fee was for a transaction of {$30.00} at another bank. I again explained that the fee was not disclosed and that I would not knowingly agree to pay {$5.00} to access {$30.00}. XXXX said that she did not have the authority to waive the fee. I requested the next layer of management to take my complaint to and told that there is no one else at Bank Ameica to take my complaint. 

I am filing this complaint because I do n't believe the undisclosed {$5.00} I was charged is fair and have no other recourse through Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines.

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 11-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that Trans Union Corporation has a IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that had a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
TRANS UNION CORPORATION IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT UNTIL XXXX MY MORTGAGE WITH 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 12/14/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX has a collection company named XXXX XXXX XXXX XXXX whom continues to add a debt to my credit report. I have never had a cell phone with their company ever. I have asked for them to remove it and they have never responded to my request. I 've asked the XXXX to remove it and XXXX aka XXXX XXXX XXXXXXXX XXXX continues to report it to them in the amount of {$560.00}. They report that the account was opened XXXX XXXX 2014. I have lived off of the power grid and an area where their services are not offered or available for up to an hour from my home for six years .... I have no need for their services nor have I ever had their services. 
I would like this debt removed. I have NEVER had an account with them.

Company response to consumer: Closed with non-monetary relief