milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Credit decision / Underwriting

Complaint: Last year, my husband and I tried to refinance our first mortgage, which is held by PHH. Because PHH refused to rate our loan and report our payments to the credit bureaus and because they lied and said we had 30-day-lates everymonth for six years, FHA could not and would not refinance us. At this time last year we submitted a complaint with CFPB. PHH admitted not wrong doing. I was so demoralized and angry that, unfortunately, I did n't realize that I could dispute PHH 's response and let the complaint die. Now, a year later, we are trying to refi again, and guess what? PHH still has n't reported any of our payments as we requested they do so. And again, FHA wo n't refinance our current loan with PHH. Because PHH was n't listed with the credit bureaus, our application goes to a secondary set of requirements for a FHA loan, which include a higher credit score and a longer history of no lates. This is a circle of disaster. Because PHH has n't reported, our credit scores stay low and PHH still shows us as late from month XXXX on. It 's a no win situation. We are working with XXXX again and tried a million ways to talk to FHA to explain the unusual circumstances, but there is no way to submit an exception. Now, XXXX has found a lender that will refi our first mortgage with PHHm but not both the first and second. AND, the interest rate for the new loan is % XXXX when the FHA loan is for % XXXX. AND we ca n't include the second. I 've called PHH several times, and again we get the runaround and no one will speak to us regarding the reporting of our info to credit bureaus. Desperate, I 've been calling all my Federal reps and agencies. It looks as though XXXX may initiate a XXXX investigation and that would be great, however, all if this so darn slow and it does n't help our re-finance possibilities today. A non-profit suggested I file a second complaint to update the CFPB that PHH continues to engage in illegal and fraudulent activities. Can CFPB please look into how PHH remains in operation? And what are my rights as a consumer regarding recourse when a financial product company acts this way? Because I hate PHH so much and dealing with them has made us physically and mentally ill, I will go forward with the possible new loan for the first, but we continue to lose money and pay outrageous amounts in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mother had a line of credit mortgage with Bank of America mortgage on a manufactured home in a park in XXXX XXXX California. The loan was paid in full in XXXX when it was refinanced into another loan on a home in XXXX California. My mother has passed away since that time. 
Bank of America did not return the title to the manufactured home although they sent an unsigned letter stating the loan was paid in full. 
The home is involved in a lawsuit in XXXX XXXX and we must have the released title from Bank of America or at least a signed letter showing it is paid in full, however continued contact with BoA has so far been fruitless. The first two contacts by fax ( their choice not ours ) were ignored. The last contact by e-mail and responded to by fax has so far been, as near as we can tell, also ignored after the confirmation of receipt. 
It is impossible to contact anyone at Bank of America that deals with the release of titles for manufactured homes. We have been transferred hand hung up on so many times, I have totally lost count. The last time was with the Mortgage Customer Service ( I think ). The e-mail address of the supervisor is : XXXXXXXXXXXX. Was never able to get them to give us a phone number to contact. Person we dealt with there was XXXX. Reference # XXXX The most recent contact was on XXXX XXXX, XXXX but this has been going on for well over two months. We have given them all of the information requested plus more but it seems as if we are whistling in the dark. 
Any assistance you can give us in getting Bank of America to expedite this request would be greatly appreciated. 
XXXX XXXX daughter of XXXX XXXX. 
BoA loan # XXXX ( they ca n't find it )

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 01/21/2018 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: This is supporting information and also a follow up, so after previously contact CFPB XXXX/tD finally replied to me and they sent me some proof of signature and I have proof on legal documentation that, the signature does not belong to me, thats not the way I signed, they stated that my drivers license was swiped but as I told them my drivers license was stolen and I reported it to the law enforcement ... they mentioned a account that was used to make payments on the account that I never had ... that was a account that appeared on my consumer report that I disputed as well XXXX unauthorized account opened.. 

Documentation Im enclosing shows the signature XXXX/TD sent me and said I signed .... 

And I enclosed my signature on official documents Also a copy of the police report on my lost drivers license the report is blurry but I still included it And a copy of the letter they sent me ( XXXX/ TD )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2016 about Debt collection (Credit card) with Timothy C. Runyan, P.C. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am sending another complaint, no one seems to understand what happened to me .I Iost XXXX thru garnishment for a debt that is not mine. For XXXX XXXX finance agency has taken my money unlawfully because I did what they wanted. I did n't show for court .that should make me except this. If this is legitimate I should n't have to wait XXXX for verification. If this bill is mine I have no reason to persue like this, I really need someone help me. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Payday loan () with Focus Holding Company (GA).
Issue: Received a loan I didn't apply for

Complaint: Someone used my SSN and personal information to apply for a loan to deposit money into a checking account also opened with my information. They emptied the checking account and failed to pay. Now a third party collection agency is calling my personal work phone used for business purposes only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (Credit card) with DISCOVER BANK (IN).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I received letters from XXXX XXXX XXXX XXXX ( Indiana ) in XXXX and XXXX stating that I owe a debt in the amount of {$3900.00}. I disputed the debt in XXXX and XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX filed suit in Indiana XXXX Court. XXXX XXXX, there was a hearing I denied the debt. I asked for XXXX and found out that XXXX and XXXX ( Not Located in Indiana ) are actually suing me. AT NO TIME did XXXX XXXX XXXX XXXX make it known that they are representing XXXX. XXXX of the documents from XXXX XXXX XXXX XXXX, states the client is XXXX XXXX XXXX and the Original Creditor is Discover Bank. Another document from XXXX XXXX of Discover Bank dated XXXX XXXX, XXXX states " findings were forward to Attorney XXXX XXXX XXXX. Never once has any of Discover Bank 's documents listed XXXX XXXX XXXX XXXX as the attorney. I requested " terms and agreement, '' contract between XXXX XXXX XXXX XXXX and Discover Bank, contract between XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and between Discover Bank and XXXX XXXX XXXX. I have not received any documents giving XXXX XXXX XXXX XXXX or XXXX XXXX XXXX the legal right to sue me. There is no contract, terms and agreement, no credit card statements for XXXX, XXXX and XXXX they ca n't provide me with any proof of transactions XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX FAILED to name all necessary party and misrepresentation. I do not know who the real lawyer is and feel it is illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have a power of attorney in which my power of attorney sent the legal document as well as the cease and desist. They were working on a settlement agreement in which was going to be a 12 month payment plan however they stated that I had to set up an auto pay in which i do not have the capability of doing. So then XXXX XXXX got involved and now refuses to speak with my power of attorney stating the document which was notarized was not valid. Refuses to even tell me why and has tried to call me knowing there is a cease and desist on file. Then even when i called she now refuses to agree to the settlement that i could afford.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My daughter is in her XXXX year of XXXX at XXXX XXXX XXXX and the University of XXXX in XXXX, TX. She has taken out a number of loans from various financial companies to finance her XXXX education, including XXXX XXXX Loans and Citibank. She has always been prompt in asking for deferral or forbearance until she completes her program. Recently, she discovered that XXXX of her loans with Citibank had been sold to XXXX and then, in a very short period of time, resold back to Citibank, declared delinquent and then turned over to a collection agency. At that time, the debt collectors then began calling me to demand payment of the full amount. No one at any time contacted me about the past due status of the loans, nor did they contact her either by phone, voice mail or letter. The fact that the loans changed hands XXXX during this time frame has made communications very difficult and confusing. I should note that XXXX has loans with Citibank that ARE in deferral, adding to our frustration and confusion. Both my daughter and I fully intend to honor the debts. Had Citibank or XXXX acted in good faith and communicated adequately at all, this would have been avoided. All we ask in this complaint is that the XXXX loans be removed from delinquent status, that XXXX be allowed to pay the past due amounts and that repayment of the remainder of the XXXX loans be deferred until she completes her program in XXXX 2016. I would also ask that my credit reports from the reporting agencies be repaired by removing these delinquencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello I try and keep track of the items that are on my credit especially my inquiries but yesterday I noticed that I have some inquiries that do not belong to me. I have n't lost any of my information I do n't think and I do n't believe someone has stolen my identity. Please send me information regarding these inquiries or have them removed as soon as possible because it is truly hurting my credit and I do n't have these accounts. 
EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SELLING SOURCE, LLC (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my XXXX  report and found the inquiry below which was not authorized by me : XXXX XXXX on behalf of XXXX XXXX DATE : XX/XX/2015

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 08/26/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: The present loan servicer claims they were not forwarded the verification I requested and to contact the prior servicer which was Bank of America. 
When I called Bank of America, I was given the file information I requested by telephone several times since XX/XX/XXXX. I asked to be sent written confirmation at least six times and told each time I would receive it in approximately two weeks. This is considerably longer and in months calculation waiting on the written confirmation from my file. I need the written confirmation for my own files. The request is a written confirmation of the permanent equity freeze on this account that applied to my Loan # XXXX XX/XX/XXXX there is a code number indicating the reason for the freeze.

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 09/15/2017 about Debt collection (Other debt) with ERC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: i am filing this complaint to report a false statement from XXXX XXXX XXXX, a collection agency from florida i just found it out when i checked my credit report from experian 3 weeks ago .At my biggest surprise i saw this debt collection of XXXX reported on XX/XX/XXXX and XX/XX/XXXX to the three credit bureau which state that i have an account that was open on XX/XX/XXXX with enhanced recovery Compan located at XXXX XXXX XXXX XXXX florida XXXX. Firstable this is a false statement, i have never opened an account or never did business with this company. but that was reported to the three credit bureau that i open that account with them since XX/XX/XXXX with  XXXX  and XXXX and on XX/XX/XXXX it was report to XXXX that is a lie. Second, they never sent me in writing any notice that the FDCPA Act required any collection agency to do before sending any debt to the three credit bureau. According to the Fair Debt collection practice Act ( FDCPA ) a collection agency must notify in writing a person of his right to dispute a debt within 30 days before trying to collect any debt and before sending any debt to the 3 credit bureau. but XXXX XXXX  XXXX XXXX XXXX did not do that .they never sent any letter in writing of my rights to dispute any debt. but instead they sent it directly to the credit bureaus to destroy my credit.therefore they have violated my rights under the fair Debt collection practice Act ..I demand that this account must be remove from  immediately from my credit report I sent them a letter to prove me that they own this debt and also to sent me a copy of the contract that is between them and the original creditor which show that they are entitle to collect that debt, they never respond up to day, i am still waiting. also i ask them to sent me a complement payment history starting with the original creditor they never respond, i request immediate deletion of this account from my credit report with the three credit bureau or i will have to sue them for the amount of XXXX for violated my rights and the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/XXXX Dear TransUnion/ XXXX/ XXXX : Please have the fraudulent account ( XXXX XXXX XXXX XXXX ) removed ; XXXX has removed it and it has been reported to the FTC. Also, the inquiries on my credit report, which I did not authorize need to be removed as well. <P/>Also, I contacted TransUnion/ XXXX  XX/XX/XXXX. <P/><P/><P/>Sincerely, XXXX 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 08-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: judgement has been settled and want the credit bureau to report the judgement and the account as settled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WV).
Issue: Credit card protection / Debt protection

Complaint: sheriff of XXXX county shows up at my door saying I have a judgement against me, from 2012, i had received paperwork in the mail and called the law firm in 2012. he asks me if i can pay, XXXX, i say, no, do you have anything i can sell, like what, no. i call the law firm again, I sent paperwork to them 4 yrs ago, info on my income ssd, XXXX per month, yet the harassment continues. I 'm worried about my husband 's bank account, because Sherriff says they can get into. what can they do to me????

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 fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work with Bank of America since XXXX 2015 to sell my house. 
I am not able to pay for it. I have done everything they have asked of me. They have priced the home to high and rejected the only offer we received. I have had it sitting vacant since XXXX 2015. I have asked over and over to talk with people and help. They do not answer questions, and when someone calls they just say they are doing a check in and they cant assist me in that issue. I want to short sale or deed in Leui the home. But I am getting nothing but the run around. No help has been given.

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 12-04-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX stole my home. I was approved for thr princiapal reduction program and Ocwen denied me knowing that is the only way i could keep my home. because i have proof that they denied me with Ocwen onXX/XX/XXXX never telling me when i called on XX/XX/XXXX to tell Ocwen i got us more time they just need to call kyhc and let them know you are working with like you did last month. on XXXX i sent O more info like they want and got loan docs. on XX/XX/XXXX. by the time i figured out what Ocwen did my home was foreclosed on. I have all the proof. please help

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Auto) with AllianceOne Recievables Management (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: AllianceOne Receivables, are having my checks garnished at 25 %, on old parking tickets. Parking tickets are from XXXX to XXXX. I have written the courts in XXXX XXXX XXXX XXXX XXXX XXXX Washington once before. The Judge already told the collection agency about the " Statue Of Limitation ''. So the attorney agreed upon recent debt. However, again XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Does their own Writ of Garnishment For Continuing Lien on Earnings. 

AllianceOne is charging me over 200 % interest or more for parking tickets from {$25.00} to {$40.00} dollars, which the ticket 's are now {$280.00} dollars. 

I believe this is unfair practice and taking advantage of having the freedom to garnish my wages. 

I am ask that CFPB investigate the unfair practice of this Collection Agency that has put a lot of interest on parking tickets and has went pass the Statue of Limitation for collecting on old debt and leaving me in collection with even older debts. 

The attorney 's that Allianceone has representing them is writing their own Writ of Garnishment and taking advantage of filing on unfair debt. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: remove the inquires XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/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