milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: Closing was set for XXXX/XXXX/2015. On XXXX/XXXX/2015, BOA 's home loan fulfillment rep unprofessionally and demandingly requested an additional, lengthy and extensive HOA report from the property mgmt co which we, the buyer, unknowingly had to pay {$280.00} for-after the initial HOA deadline had passed and all Colorado required HOA info was already turned in for closing. BOA employee was the one who forgot to request it so it was suddenly an emergency on the property mgmt 's part. On XXXX, BOA asked for more info from the HOA, which was provided. On XX/XX/XXXX, they asked for more info from the HOA, which was provided. On XX/XX/XXXX, they again asked for MORE info, which was provided on XX/XX/XXXX. ( I was told by the VP of the dept that handles HOA condo/co-op docs that they ca n't just review them on the drop of a dime when they are the same ones that requested them the same week of closing. ) Closing date came and went with NO ATTEMPT FROM BOA TO CONTACT THE SELLER TO TELL HIM HE COULD NOT CLOSE BECAUSE BOA DID N'T REQUEST THEIR OWN INFO ON TIME. I am now outside of the Amend to Extend deadline bc the BOA employees who request this info do n't look at it, return calls, etc. I am at risk of losing this deal BOA did n't DO THEIR JOBS. In fact, just today, I was asked for a HVAC repair receipt when that was completed and documented weeks ago. ( Why am I being asked for repair bills anyway when inspections are voluntary? And why am I being asked AFTER I should be closed??? ) EVERYTHING has been done from the HOA, buyer and seller 's perspectives to meet deadline, including the closing dates, and no one at BOA is doing their part. NO ONE returns calls, NO ONE tells us the status, we ca n't even sign an Amend to Extend because we do n't even have a date to offer bc no one seems to care if/when we get final settlement # s ... including up to and past the day of closing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Instance one : At the time of taking out the loans Navient ( XXXX XXXX ) would not state what my interest rate was while I was still a student even though interest was being accrued. By the time I graduated with a XXXX-year degree and began repayment, the accrued interest was already $ XXXX. 

Instance Two : I graduated from XXXX University in XXXX  of XX/XX/XXXX.  Navient ( then XXXX XXXX ) refused me an income-based repayment plan forcing me into deferment. Once able, I began making interest-only payments of about $ XXXX/month because I could not afford interest/principle payments of about $ XXXX/month. I was XXXX and working XXXX part-time jobs. This went on until 2014 when my interest-only plan expired. At this time they finally agreed to an income-based repayment plan which lowered my monthly payments and interest rate and increased the life span of the loan by 30 years. 

Instance three : My parents co-signed on one of my loans. I have tried on two serperate occasions to release them. Although I make my payments on time each month we were denied. 

Instance four : I am currently set-up for reoccurring payments. On 3 different occasions Navient has notified me of past due payments on the XX/XX/XXXXof the month even though my payments are scheduled for automatic deduction on the XX/XX/XXXX. I have paid immediately to stay current only to have my bank account overdraft by 2nd payment deduction on my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion would not provide me with a dispute number. I also tried to dispute it with XXXX and XXXX but they both put a wall up as well. I suspect they are in collusion with XXXX XXXX to keep it on my record. Sorry, but I will not be a tax write off for these large companies. XXXX XXXX is purposefully keeping a closed account on my credit with the aid of all three credit bureaus past the seven years which is in direct violation of what the FCRA says and other federal laws stipulate regarding accounts. I only know about their credit reporting fraud schemes because I used a website called XXXX XXXX to check my credit.

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 03-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am the parent and borrowed for my daughter to attend school at XXXX XXXX XXXX College. For two years XXXX and XXXX I borrowed from Parent Plus loans. Navient has been emailing me regarding the paying back of the loan. I had sent them money for both years paying 12 months at a time as I can not afford to have another monthly bill. My daughter returned from school having finished her XXXX XXXX in XXXX. Now Navient is telling her that she borrowed {$12000.00} dollars and that she has to begin paying back. I know that my daughter XXXX XXXX had not borrowed any money from any bank because she received grants for part of her college education. They have not tried to assist us in understanding this problem. We are only being told what my daughter owes.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, XXXX, and Experian with no success. They have refused to update information. Account to be removed : 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 explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I sent a letter to XXXX XXXX XXXX XXXX XXXX in XXXX 2017 regarding a {$9.00} charge that is showing on my Credit report that should not be showing up. I received a call from their office 3 days later telling me they would be removing the derogatory information from my Credit report as requested. Account 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 09/29/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (SC).
Issue: Managing the loan or lease

Complaint: Lending Club does not allow payments to be made early. You can make a payment early and reduce balance but does not count as the minimum payment due. All credit card companies allow you to make your minimum payment anytime up to and including the due date. For some odd reason Lending Club does not and offers no explanation other than to change the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax continues to list us bankruptcy ct FL XXXX on my credit file This does n't belong to me Not my public record Never mine

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls continue up to XXXX times a day, every single day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ongoing Dispute with Ditech Financial LLC Of note, original loan was with XXXX, then XXXX, then Ditech bought loan in XXXX/XXXX/XXXX. Property taxes and insurance were NEVER part of escrow or to be impounded with loan ; and have always been paid direct by me. 
XX/XX/XXXX Ditech sent notice stating escrow is short/delinquent. My several calls and inquiries and letters, provide no explanation or satisfaction, let alone resolution of why shortage and where do they come up with this. The last communication from Ditech says " they were notified of delinquent property taxes '', thus the shortage on my escrow is {$2400.00} and future projected impound of {$1100.00} is due. But I have paid all my property taxes and I sent another letter certified and it included my cancelled checks for property taxes, including the XX/XX/XXXX installment pymt and those for all of XXXX. It also included XXXX receipt of payment information and my property tax statements and also asked they check the XXXX website and enter my parcel number where they can obtain the same info. 
As of now I have no resolution, their last communication continues to reflect a shortage of {$2400.00} for XXXX and projected impound for future property tax impound of {$1100.00}. My next mortgage pymt is due XX/XX/XXXX and I do n't want to pay the increase monthly adjustment of even {$42.00} when I do n't owe it but worry about my credit score. Do Note I will continue to fight this but very concerned that Ditech is not just negligent and incompetent, but that they are fraudulent and attempting this scam on others. Do I need to get a lawyer to fight this?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I contacted Transunion in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Transunion again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Transunion that there were none showing. 

I then called a second transunion number in XXXX because the first woman I talked to seemed lost.. This second rep at Transunion said that he could only enter a dispute for me to dispute the dispute remarks!!!! 

I do n't know how hard this is to understand? I opened the disputes. I no longer dispute any account and want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I received a loan modification 3 years ago and have made my payments on-time for the past 3 years. During that time my lender PHH has not given me credit for making those payments. As a result their " system '' shows that I have not paid my escrow for taxes. I have paid my escrow and I have informed them of such thru numerous email, letters and telephone calls over the past 5 months. Regardless of my efforts they continue to double the amount of escrow they collect. this is causing me a hardship and they are " stealing '' the extra escrow monies.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (Medical) with NORTHLAND GROUP INC (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: No notice of debt was ever sent to me regarding a debt dated XX/XX/XXXX. I have also never received a medical bill from the durable medical equipment provider, XXXX XXXX XXXX in XXXX, XXXX I was told that XXXX does the billing for this XXXX provider ( never received a bill from them ) and XXXX third party collections agencies are used. At the time of service, I was dual insured with XXXX XXXX XXXX XXXX XXXX, so there would be zero out of pocket cost. I spoke with the XXXX provider & was referred to XXXX. XXXX informed me that it was turned over to collections XX/XX/XXXX. I never received anything in writing from the XXXX XXXX XXXX XXXX, XXXX ). XXXX claims to have received a " cease & desist '' from me XX/XX/XXXX which I never sent them. I never spoke with anyone or had any contact with this debt collector. On XX/XX/XXXX, the account was turned over to another collection agency, Northland Group XXXX XXXX XXXX, who claims to have sent debt letters to me and has left numerous phone messages. I have not received anything from this collection agency either. I am disputing the claimed debt. Northland Group then closed the account XX/XX/XXXX with " efforts exhausted '' & then reported me to the credit bureaus. I am also complaining about the fraudulent methods that both collection agencies have used. Furthermore, the XXXX provider has provided me equipment every 90 days over the last 2 years and has never told me there is an outstanding balance. The dates of service reported/billed are every 60ish days and I only got XXXX every 90+ days. XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX, XXXX ), XXXX XXXX XXXX, & their collection agencies all have my correct/current contact information. Now I am being denied medical care and they are the only XXXX that has the medical equipment I require.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Credit reporting () with General Information Services, Inc (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I contacted General Information Services to verify and validate the information that they have on record as it was incomplete or nonexistent. General information Services failed to provide the signed agreement between me and the original accuser that contained ANY facts that matched what they had in their database system. They did not change the status nor did they provide me with relief for the damages that they caused me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have confirmed I am part of the Equifax breach. I called the number they show as contact to find out more information on the breach. I was not given any information at all other than someone reading the exact wording that is already on the website. They can not tell me specific information about what information was breached form just myself. If it was credit card, or banking accounts, if it was drivers license or any specific information. If my bank acct number was breached, I need to know so I can open up an new account. If my credit cards were breached, I need to know so I can open up new accounts. And the same for any other information. This will cost me and businesses thousands of dollars to make these changes. But Equifax will not tell me. Just states they apologize for the inconvenience. Then I would have to PAY to freeze my accounts. Equifax should PAY to freeze all XXXX credit bureau accounts for me. I find it fascinating that they are allowed to do this. And that they are allowed to post on their website to call a number for more info only to be told the exact wording on the website and then " refer to the website for more info ''. So it is just a circle on non information. This needs to be corrected so we can KNOW SPECIFICS of what information was breached for each individual and Equifax should pay for the remidiation to correct such as free credit freezes and unfreezes for life.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Payday loan debt) with Diversified Consultants, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: They call me over and over again trying to collect a debt .I have absolutely no contact with them. They continue to mislead and lie about the alleged debt. Was threatened to get sued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage is running a foreclosure scam. They ran an escrow analysis in XXXX 2015 with an annual tax amount that was almost XXXX my actual tax bill. My county treasurer has contacted them on several occasions in writing via fax, etc including a 3 way call while I was on the line to correct this amount. The escrow department at Nationstar has assured me several times that he problem will be solved within 5-7 business days. Meanwhile, they call me constantly at work on my celular phone with an automated dialer and with an automated message to tell me that my account is delinquent. I make payments every month, but can not afford to continue making double payments due to their escrow error. They are also reporting to the credit bureau that I am delinquent and therefore I can not acheive refinance with any other company. They are now sending foreclosure notices. When I call to speak with the escrow department, they repeatedly place me on hold and then disconnect me after over 30 minutes on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (OK).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: I received a letter from Ally Bank ( XXXX XXXX XXXX, XXXX CT XXXX ) that they apparently denied my loan request because they received a low credit score from XXXX, XXXX. XXXX reported my credit score as XXXX, when I know the three major bureaus report my credit as around 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 03-10-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (KS).
Issue: Loan modification,collection,foreclosure

Complaint: MY MOTHER PASSED AWAY ON XX/XX/XXXX I AM THE ONLY CHILD AND HEIR TO HER ESTATE. IT TOOK ME OVER 9 MONTHS TO FIND HER WILL AND GET THE DEATH CERTIFICATE. I SENT DITECH FINANCIAL LLC ALL DOCUMENT REQUIRED BUY THE STATE OF KANSAS MY RIGHT TO THE MOBILE HOME THAT ME AND MY MOTHER LIVED IN. THEY KEPT ON COMMING UP WITH OTHER FORMS I WAS REQUIRED TO FILE AND WHEN I CHECKED WITH THAT STATE OF KANSAS ATTONEY GENERALS OFFICE I WAS NOT REQUIRED TO HAVE THIS FORM. DURING THIS TIME THE HOME WAS FOR CLOSED ON AND I HAD TO GET OUT OR LOSE MY OWN POSSESIONS. THIS WAS XX/XX/XXXX. I DID GO TO COURT BUT IN THE JUDGES DESIOIN HE GAVE THE HOME TO DITECH. THEY HAVE CONTUIDE TO SEND BILLS AND NOW THEY SENT A LETTER STATING THEY BOUGHT INSURANCE IN MY NAME WHEN I CALLED AND IT WAS RECOREDED BY THEM I WAS TOLD AS HEIR SINCE MY MOTHERS DEATH IT WAS BUT IN MY NAME BECAUSE THE HOME WAS NOW MINE. HOW CAN THEY HAVE IT BOTH WAYS, THEY TOOK MY HOME SAYING I HAVE NO RIGHT AND BUY INSURANCE IN MY NAME. THE INSUANCE COMPANY IS OWED BY DITECH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Using a debit or ATM card

Complaint: I am using Wells Fargo as my primary bank account. On XXXX XXXX, 2015, someone has been using my card without my permission ( Unauthorized transaction ). My card were not stolen ( I had my card with me ). The unauthorized transaction was being made at XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX 's ), XXXX XXXX ( XXXX ), and etc,. XXXX transaction with the same amount of {$36.00} were made in XXXX ( total of {$73.00} ), XXXX transaction of exactly {$100.00} was made in XXXX, XXXX transaction of exactly {$200.00} was made in XXXX XXXX ( Total of {$600.00} ), XXXX transaction of {$2600.00} was made in XXXX 's and XXXX transaction of XXXX was made in XXXX. I was in XXXX XXXX with my wife on the same night ( As a proof, I made some transaction inside the city of XXXX XXXX ). All the transaction made within XXXX XXXX were done by me and my wife, but other transaction made outside the XXXX XXXX, such as XXXX XXXX and XXXX XXXX, were not me or others with my permission. Also, I was within the XXXX area, so every transaction I made was inside the XXXX of XXXX XXXX ( such as XXXX, XXXX XXXX and XXXX was used by me ). I filed my claim to Wells Fargo, and they gave me a temporarily credit of {$3400.00} on XXXX XXXX, 2015. But, I just received a mail saying that my claim is closed and they deducted the temporarily credit of {$3400.00} from my account. On the letter, it said, they have completed their research of my inquiry about charges to my account. Based on the information available to them ( Wells Fargo ), they found the charges were made by me or someone who had my permission. I do n't know what exactly happened because I had my card with me, and the only people who knows my pin number is my wife and I. But my wife is always with me 24hours a day, and she was with me on that day too. Also, it 's funny because I have never been to XXXX, XXXX, XXXX XXXX, XXXX 's, XXXX XXXX or XXXX XXXX before. How can I make a transaction in a place I have never been to? Please help me find my money back. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief