milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Upon receipt of a timely requested appeal, Bank of America GRANTED a Making Homes Affordable Home Affordable Modification Program ( MHA HAMP ) as evidenced by the Appeal Report if XXXX XXXX, XXXX issued by the Bank of America Appeals Department. The home loan account and borrower were directed to a HAMP Trial Payment Plan ( TPP ). Obviously, this never happened. What did happen is as detailed below. 
The then assigned single point of contact/customer relations manager ( SPOC/CRM ) XXXX XXXX issued two MHA HAMP DENIAL letters. The first is dated XXXX XXXX, XXXX, two days before the date the Appeals Department issued their determination, and the other dated XXXX XXXX, XXXX, XXXX days after the Appeals Department issued their determination. These documents are not modification denials on appeal issued by the Appeal Department. The creation of modification or loss mitigation approval and denial letters are not under the purview, duties and responsibilities of the SPOC/CRM. The job of the SPOC is to provide the information collected from the various departments who originate, establish, control, maintain and determine data, documents and decisions related to the modification and loss mitigation processes. 
Bank of America has been paying the XXXX ( XXXX ) insurance for this property and account since XXXX. This year, Bank of America decided not to pay the XXXX portion of the property insurance and have refused to pay it after I made several written requests for the Bank to do so immediately. An authorization to pay the XXXX insurance out of the escrow account associated with this home loan account has been provided in XXXX, prior to the first payment, but after the last mortgage payment I made in XXXX XXXX. By paying the property taxes and all insurances, Bank of America has firmly established a clear and long-standing practice to do so and to continue to do so without interruption and timely. 
Furthermore ( and for informational purposes only ), I was notified the account is in active foreclosure. Since no MHA HAMP has been formalized or finalized after the date the MHA HAMP was granted on appeal, the modification process has not been completed and, therefore, pending. Duel Tracking is prohibited. Refer to Bank of America document of XXXX XXXX, XXXX that Bank of America provided to me twice. 
All documents provided with this complaint have been downloaded from the Bank of America Modification Status Online Portal from the documents tab. The original document name/number has not been changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Billing disputes

Complaint: I have exclusively used my American Express ( AMEX ) for almost all purchases since 2010. 
My recent customer service experience, however, has been disappointing. I rented a car from a nationally renowned car rental company. The car rental company charged my AMEX card insurance without my authorization. When I disputed this charge with AMEX, I believe that AMEX failed their duty to investigate the fraudulent charge for at least the following reasons : ( 1 ) AMEX failed to consider the fact that the car rental company withheld parts of the rental agreement ( the part about the insurance charges ) from me at the time of the rental ; ( 2 ) instead of investigating the matter, AMEX took the rental car company 's word and disregarded their bait-and-switch tactic ; ( 3 ) AMEX failed to consider the fact that multiple complaints and even law suits have been filed agains the rental car company for the very same issue ; ( 4 ) AMEX disregarded my credibility as a long-time customer who has had an impeccable overall financial history and history with AMEX in particular. 

Moreover, as a result of AMEX 's failure to investigate, the rental car company has informed me that there is nothing they can do to remedy this fraudulent charge. In addition to resolving the above fraudulent charge in the consumer 's favor, I 'd also like AMEX to resolve the issue that the rental car company now uses the consumer 's dispute with AMEX as a reason to continue their fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion has credit inquires that I did not authorize on my credit report XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX. 
XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I 've put various complaints in with  XXXX  regarding fraud committed by at the time my husband in which he had also taken  XXXX  other credit cards out under my name and each of those banks, did their investigations and found all credit cards taken out in my name to be fraud. Those credit cards are   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    utility bills, gambling sites, and IRS. Also included was IRS and Mail  Fraud.  This particular credit card company because bills were being sent to the address they have on file which was my current address is the reason they are not investigating this as fraud. My husband was  XXXX . I worked and he did n't work and was receiving all mail correspondences at this home. I 've never seen a bill or even knew he had used my ss number to take this card out. I received a letter from a  XXXX   XXXX  - Cu stomer Advocate Team in  which I 've emailed him back on numerous occassions and he never responded to any of my emails including the police report filed, letters from other banks stating fraud was committed as well as filed numerous complaints. I have discussed this with my lawyer who has asked me to do a final contact to  XXXX  before I take other actions. After reviewing all the proof I 've collected to my lawyer, my lawyer stated I can receive serious damages for the credit issues my husband at the time has caused. There is a  XXXX  against  XXXX   XXXX  and I am prepared to work with  XXXX  to sign anything needed to clear me from this fraud. Please let me know

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion , LLC XXXXXXXX XXXX XXXX, XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
Those address are not mine Please removed all adress ADDRESS : XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX XXXX CHILDSUPPORT XXXX # XXXX CHILDSUPPORT XXXX # XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 09/30/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX reported a debt by me to Experian. I disputed but paid it to remove. They did not send me a copy of my signature for debt ( XXXX ) and Experian said they verified the debt. Would not confirm how? I paid anyway to remove it but they also refuse to remove it. The original date was supposed to be XXXX but since extended to 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 12-01-2015 about Consumer Loan (Installment loan) with Delbert Services (NM).
Issue: Managing the loan or lease

Complaint: My loan was with Western Sky but they have sold the loan. Delbert services is showing on my credit report and so is Western Sky. I have been paying the loan off every month and finished in XXXX. But now Both Delbert and Western Sky show as owing money. The interest rate was well over 95 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My Odyssey of torture continues!!! With no way to update ongoing complaints I have to open a new one again. Complaint # XXXX and Complaint # XXXX. Equifax continues to inaccurately report a Social Security Variation. I just received a letter from Equifax stating that The disputed variation of the social security number has been deleted from the credit file. Well NO it has not! I also just received another Equifax credit report with, drum roll, the dreaded Social Security # Variation reported on it! If the SS # Variation has been deleted from the file then it should not appear on the Equifax credit report now or ever in the future!!! Please, please, please someone end this MADNESS! Help me to regain singularity in my identity!! ONE SS # per person Please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Medical) with Renton Collections Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/2016 I paid this debt to the original creditor. That month j also received a letter from RCI. I called them and informed them the debt was paid. They said they would contact the original creditor to confirm. In XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX I have received letters and phone calls in regards to the same debt. I spoke with an agent last month after calling the original creditor to confirm the debt is paid and was informed it was and another notice was sent to RCI. I called RCI last month and went thru the entire thing again about it being paid and they can no longer collect on a debt that 's been paid. He informed me it was my job to prove the debt had been paid. So I informed him of my confirmation number from my credit card and also the information from the original creditor of the date it was reported paid to them. That was the end. Finally last week I received another letter trying to collect this debt. Today I called yet again the original creditor and confirmed payment and no other accounts with them. The manager also called RCI while I was talking to a representative and confirmed it reported as paid. I was informed it 's all taken care of. I then followed up with RCI to confirm they have it noted as paid ; they said no. I asked them to check with their client services to see if they received a call from XXXX at the Original creditor reporting the specific account paid. She came back on the phone and said yes it 's been reported as paid. I asked if she could confirm that I will no longer be receiving phone calls or letters from them. She became argumentative ; so I ended the call informing them that they have been reported to the Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I HAVE SENT THIS COMPANY XXXX DIFFERENT LETTERS AND THEY HAVE NOT COMPLIED WITH EITHER XXXX OF THEM!! THEY NEED TO STOP CALLING ME AND HARASSING ME!! THIS IS NOT MY ACCOUNT AND THERE FOR SHOULD NOT BE ON MY CREDIT REPORT!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: We have XXXX loans through Navient. One is a consolidated loan ( XXXX ) and another is a XXXX ( XXXX ). They both have different interest rates with one substantially higher. We pay monthly online and never miss any payments. For several months we have been trying to make extra payments to the loan with the higher interest rate ( Stafford loan ) so we can pay this off quicker. They will not apply the extra payment to the loan. They evenly distribute this money across both loans. There is no way to allocate this extra payment to pay off the loan quicker online. When you call they give you the run around and say that your promissory note allocates this. This is so unethical. This is not true. We pay the normal payment allocations already that the promissory agreement requires. You should be able to make extra payments to the principle of a loan that you choose. There is absolutely no way to do this online or over the phone. Additionally, I have called several times over the last several years to make sure that I still qualify for the public service loan forgiveness program ( XXXX in public service for 10 years ) and are on track with my payments. They have always said my loans qualify and that I am on track with the right loan ( the consolidated loan ) and today I called they said I would have to re-consolidate this loan again and the 120 payments and 10 years of service would start from the date of re-consolidation? I already consolidated! This is complete fraud! If you consolidate again, then this would disqualify you from the 120 payments you have already been making toward that loan..Since I was upset they routed me to another number that would give me more information and I sat on hold for 1 hour and 13 minutes and was never re-directed. While on hold for 1 hour and 13 minutes the automated recordings said to set up a specialist appointment you need to visit their " change payment page '' on Navient.com. I searched for this page to set up an appointment and it does not exist. I used their search engines and could never find the page they are describing. They give you the run around .. Do not give correct information about your loan and seem to be scamming the system so that students are paying more on a loan.. Now we are stuck in a loan and keep getting the wrong information.I ca n't trust anything this company says. Every person we talk to says a different thing from their scripted book. You ca n't even make an appointment with a " specialist '' to discuss your loans. This is a truly unethical company misguiding and scamming students.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted and sent Fraud Affidavits to Equifax with regards to the Inquiries that are reporting on my credit file and incorrect address information. To date, Equifax have not remove these items from my credit file. I have been a victim of identity theft and I will like these items removed : Inquiries, Incorrect Addresses : XXXX XXXX XXXX and XXXX XXXX, XXXX, GA. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting any results.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: a verbal loan modification trial payment plan was offered on XXXX XXXX per verbal instructions of the offer made XXXX payments to Ocwen XXXX XXXX XXXX XXXX Today ocwen advised that they offer was denied back sometime in XXXX because we never received and agreement that we were required to signed, " the trial offer letter ''. Despite the fact that their system showed " active trial plan '' they have collected XXXX and now they are saying that there is no modification offer because we fail to performed under the " trial plan agreement '' due to the document that was received on our end drink the month of XXXX. Now, they will keep the monies under " false pretenses '' they have cheated me and did not delivered as they have promised. I was told that the XXXX payment will activate the offer. I paid my debt under the verbal instructions that were given to me on XXXX. Now, my loan is past due and i am facing foreclosure action against me. All calls and representatives are located and XXXX and can not offer further help. I have requested my call to be transferred to XXXX and they have declined 3 times I made this request and they have continued to state and represent that they are a " XXXX ''. The debt is originated in this country not in XXXX. The representative continue to represent as a global mortgage service agency. Representative stated '' we are not equipped to transfer calls to representatives in XXXX '' Please help, actions were taken and payments were made on time no representative informed that they have sent a letter or that a letter needed to be signed in order for the offer to be deemed effective however they collected payments by electronic check and reassured that the trial plan was effective and eventually a final agreement will be sent to us upon completion of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with NCC Business Services, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: NCC business services is trying to collect a debt in the amount of {$3100.00} and the original creditor is stating the debt is only {$1800.00}, but the original creditor and NCC business services has not provided a move out checklist with documentation of damages or lease details that confirm the amount they are trying to collect. In the state of MO Property managers are required to send a security deposit letter and a list of damages and proof of damages in order to collect the amount. Neither the collection company nor apartment complex did so. I have requested this information for NCC Business associates on several occasions and when I call to get this information provided to me they hang up on me. They have removed this from 2 of the three credit bureaus and I need them to removed this invalid information for XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Application, originator, mortgage broker

Complaint: I applied for HARP Refinance through Chase Bank XX/XX/XXXX. Assigned Mortgage Representative was XXXX XXXX. The loan fulfillment coordinator assigned was XXXX XXXX. XXXX XXXX does not act as a suitable liaison between Mortgage Underwriting and her clients. She is incredibly rude and disrespectful boarding on discrimination to her clients. Per telephone conversations, she has informed me that Chase Bank handles their perspective mortgages in a purchase-first-refinance-second basis. Meaning, any refinance comes second to any purchase she had been assigned at the time. Thus the reason for my lengthy refinancing process. I provided all required documentation for loan submission as requested in a timely fashion. Every loan is different, thus different time frames for loan closing. As of XX/XX/XXXX, we are still actively trying to complete the loan. As this has been an incredibly lengthy and stressful process, my particular situation was escalated to XXXX, then further escalated to XXXX XXXX. I was then informed the entire process was being held up by a lien release from a financial institution that no longer exists. Chase Bank has acquired various financial institutions in the past, along with their customer files. They have misplaced an internal document of a lien release XX/XX/XXXX. I did not misplace this lien release. I have never had this lien release in my possession. Chase Bank has informed me they will not make an exception on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Checking or savings account (CD (Certificate of Deposit)) with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: 1. Changed CD interest payment dates in the past from 15th to 14th, in order to short change us in the upcoming payment. 

2. Made my husband look like, he owns XXXX XXXX XXXX. 

3. There are two CD maturity dates, CPO 360 insists the wrong date is the right one. 

4. Falsified records and changed the rule whenever they wanted. 

5. My website does n't look like bank website. 

There are a lot more, but I will let my report speaks for itself.

Company response to consumer: Closed with explanation