milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (VA).
Issue: Credit decision / Underwriting

Complaint: I am appealing to cfpb for assistance in addressing my experience with PHH. I received a letter from PHH about the decision reached on my loan application denying approval because they could not obtain an acceptable appraisal of the subject property. PHH hired the appraising company and is accountable for the professional work product of their contractor. I am requesting that ALL documentation related to my application and the decisions that PHH made on this matter be provided to me with representation that no omission of documents have taken place. This document request is for both PHH created materials in addition to all external documents that PHH used in reaching its decision. I am extremely disappointment with PHH 's performance and the lack of being willing to engage me with a more expansive explanation than what I received when I called XXXX and then reiterated by XXXX 's supervisor XXXX XXXX upon notification that PHH was not approving my mortgage. Clearly the words on the bottom of their correspondence " If at any time you do not feel that I am providing exceptional service, please call or e-mail my supervisor, XXXX XXXX at XXXX XXXX or XXXXXXXXXXXX for assistance '' are simply a corporate feel good slogan and not something that is practiced and certainly not in my case. 
I first engaged PHH through my relationship with XXXX and XXXX remains an exceptional service provider to me. Even though I have been an outstanding customer of PHH since 2003 and financed XXXX homes and refinanced one a second time with PHH through my XXXX relationship, PHH has destroyed a meaningful customer/client engagement because of your handling of this matter. 
In that I immediately engaged another mortgage company for a loan on the same property the day after PHH 's rejection, that company hired an appraisal company, completed a comprehensive review of my application with them and still managed to clear underwriting and go to closing on XXXX XXXX. Same property, same market and economic conditions, same borrower! With this in clear focus I am requesting a FULL refund of all expenses that I paid to PHH because of lack of value in exchange for my money. I did not even receive a copy of the appraisal as stated as an entitlement in your " Additional Information About This Loan '' document. 
I believe that PHH has failed to act within appropriate legal requirements in my case. I am looking forward to CFPB assistance in receiving an expeditious response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: It was a Cell phone bill owed to XXXX. However the amount of {$450.00} was paid in full to XXXX with a XXXX balance prior to going in to collection. Collection Agency, DIVERSIFIED CONSULTANTS keeps calling and demanding to still collect debt. They still have collection account on my XXXX and XXXX files. i demand that this company stops calling me and remove the item from my XXXX and XXXX credit report immediately. i do have proof of payment on the account with a XXXX balance attached.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 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: Personal information incorrect

Complaint: On the XXXX of XXXX I contacted the credit reporting company after reviewing my credit report. I noticed that there were various addresses on my report. I let the representative know that I had submitted a police report last XXXX in order to get several items removed from my credit as well as the various addresses removed. The representative continued to inform me that I was wrong about my information. The only address is the one I have had for years is this address. This is the address on my license. This is the address that my vehicle is registered to. This is the address my children leave home from school to and come back home to. This is the address my work and insurance documents come to. Please remove all addresses from my Experian report that is not the address stated on my license.

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 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I disputed my report with the company and mailed my letters certified on XX/XX/18, sent certified and the company has not responded back to me. And claiming they dont have my dispute on file

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 07-05-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I have a checking account with Santander Bank, XXXX XXXX XXXX, XXXX New Jersey XXXX ( XXXX ). I also have a debit card which is attached to the checking account. When using the debit card with another Banking or ATM vendor, I 'm given the opportunity to accept the charges for their services and if I agree a fee is charged by the company where I 'm completing the transaction. Santander Bank then charges me a {$3.00} fee for not using one of the ATM at one of their branches. I 've spoken to management at that branch and I 've filed a small claims complaint in XXXX County Superior Court. A default judgement was awarded against Santander Bank, but I never received any further documentation from the court. On occasions as recently as XXXX XXXX, 2017, one of the {$3.00} fees was withdrawn from a negative balance and the bank charged me an addition {$35.00}. I have never authorized Santander Bank to withdraw the addition fees from my checking account or from any account which I have with Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX, I sent in a request to the credit bureaus to investigate errors on my credit report. Over 30 day have passed, and I have yet to hear back from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am a recipient of NYS XXXX. My coverage renewal was mailed to me XX/XX/XXXX. I had to fill out my NYS renewal forms and mail it to : Mail Renewal Program, XXXX/Medical Assistance Program, XXXX XXXX XXXX, XXXX NY XXXX. I mailed my forms in on XX/XX/XXXX. XXXX/Medical Assistance XXXX received it on XX/XX/XXXX. This form was sent to renew with my managed care program ; XXXX XXXX XXXX. I never received any updates via regular mail as I had requested when I signed up with my public assistance service. It was n't until I was inquiring on my coverage in XX/XX/XXXX that I found out that I no longer had XXXX XXXX Coverage. So, my coverage was canceled from XX/XX/XXXX to XX/XX/XXXX. I called my local social service office at XXXX XXXX and received the following status of my account:1. My mailed in application did not get processed after it was received on XX/XX/XXXX because it got transferred to the bottom of the list. 
2. On XX/XX/XXXX my account was noted under another persons name. 
I was then instructed that a new renewal form will be mailed out. I need to fill out and then return it. Weeks passed and I never received the duplicate renewal form. So I went into the social service office at XXXX Program, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XXXX to submit a renewal form in person, which I did. After I submitted this form, to my surprise, I received a renewal form again in the mail on XXXX. The reason why this is important is because during the time when my Managed care coverage had been canceled from XX/XX/XXXX to XX/XX/XXXX I made an appointment to see a Doctor who accepted my manage care coverage for payment. However, since I did n't have coverage during that point in time, now the doctor is billing me for the lapse in coverage of {$36.00} for patients with no health insurance coverage and {$320.00} for patients with healthcare coverage as what I have. XXXX XXXX is also billing me for {$77.00} for service rendered on the same date. Now XXXX XXXX and the Doctor is threatening to send my account to collections because of the payments not being paid. The account number for XXXX XXXX is XXXX XXXX XXXX invoice # XXXX. The date of service was XX/XX/XXXX. 
Dr XXXX collection number is XXXX at XXXX XXXX XXXX ext XXXX XXXX # XXXX service date XXXX/XXXX/2015. My NYS XXXX Benefit Account # is XXXX My Managed Care XXXX card # is XXXX. I am requesting that NYS XXXX or XXXX XXXX XXXX be responsible for this bill since neither of them notified me that I no longer had this medical coverage. Had I know this, I would have went to a straight XXXX provider for medical assistance. Please send me a response back in the mail at my address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX My phone number is XXXX XXXX XXXX Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Submitted first request in  XXXX  of    2017  to Equifax - Nothing done - Submitted second request in  XXXX  of  2017  - Nothing done again - Have an item on my report that does not belong to me and would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Bank account or service (Savings account) with NAVY FEDERAL CREDIT UNION (MA).
Issue: Account opening, closing, or management

Complaint: Good morning, I have had an account with Navy Federal Credit Union ( NFCU ) since XXXX. During the past 10 years I have experiences unethical and unprofessional business practices by all " customer support '' representatives affiliated with NFCU to include but not limited to, Debiting debt Payments from a youth savings account without permission or notification, allowing loans and credit cards to be opened without my consent or knowledge, especially XXXX which was specifically granted during a XXXX when they were required to reduce interest rates for pre-Mobilization debt, Harassment of my Family, and friends to strong arm me into paying debts and now crediting debt to prevent me from closing my accounts and formally ending my affiliation with NFCU. I have spent several years repaying debts to NFCU properly and responsibly as to be a good citizen and not declare bankruptcy as I have seen others do to avoid paying their debts. However, today when I have no reported debts remaining on either my credit report or in any statement for the last 3 years, NFCU has informed me there is an outstanding debt of {$58.00} on my Share-Savings account from XXXX which I have never received a bill or can find any proof of in either online or paper statements. I only have a message from NFCU, via their website, stating the account has a debt, which also does not show on the site. I have attempted to proceed honorably with NFCU ; however it seems they are unwilling to let me sever my relationship with them without taking another pound of flesh. I have decided to fight this claim as a line in the sand that I will go no further. I 'm hoping this will help build a case against NFCU 's unethical and unprofessional business practices and prevent them from doing this to others. 
XXXX ( XXXX ), XXXX, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (OR).
Issue: Credit determination

Complaint: My credit limit with USAA has be {$14000.00} until XXXX XXXX, XXXX .... My credit limit was reduced to {$500.00} on XXXX XXXX, XXXX ... They claim it was combination of usage and credit report. I have a XXXX score with XXXX and XXXX with XXXX. I monitor my credit report monthly with subscriptions with XXXX and XXXX .... I have never been late or made minimal payments .... I pay of balances quickly ... .. I do use the USAA credit card. I had a {$3100.00} balance in XXXX XXXX that I paid off before XXXX. Made {$150.00} purchase in XXXX XXXX and paid it off in XXXX XXXX ... .. Its a military exclusive membership only bank ( USAA ). I was drafted in the XXXX 's processed for service and then cancelled because of military pulling out of XXXX. My son served in the XXXX. I believe that USAA is trying to get me to cancel my membership by lowering my limit from {$14.00}, XXXX to {$500.00}. I spoke to several people with USAA that could not explain with any detail. I believe this is a bias racial action by a staff member of USAA. I have an excellent credit history own XXXX homes and a rental and have a personal yearly income of over $ {$83000.00} ... I spoke to XXXX ( USAA ID # XXXX ) this morning an executive personal member for USAA ... I believe this was a racial action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (MD).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I am not sure how they received my work telephone number  but Navient has now called me 3 times on our main business telephone number at my employer. They  were told that I did not want them to call me at work but they continued to call.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I do not have a contract with this company. They are trying to collect a debt that I do not owe them. I tried to dispute this through  XXXX .  XXXX  says the company says I owed this company {$2700.00} and  1st d elinquency was on  XXXX /2013. I 've never even heard of this company and I have no contract with them. This just popped up on my credit report within the la st 30days. It re ally brought my score down. Please help me. This is their info :  Convergent Outsourcing Inc,   XXXX   XXXX   XXXX   XXXX ,  XXXX  WA  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 01-08-2016 about Mortgage (Other mortgage) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I were separated XX/XX/XXXX and the divorce was finalized XX/XX/XXXX. The original mortgage holder, ( interest only mortgage ) until XX/XX/XXXX, had modified my mortgage by allowing a lower interest rate ( from 6 % to 4 % ) resulting in lowering the monthly payments by {$1000.00} per month. 
XX/XX/XXXX, Capital One took over the mortgage and defaulted the interest rate back to the original high rate ( 6 % ) which increased the payments by $ XXXX/mo. Since my financial conditions had not changed, I asked for reconsideration. On XX/XX/XXXX, after six months of providing various documents and being in constant communication with the Capital One account manager, I was offered a loan modification that was supposed to help me. However, after going through the trial period ( which I paid on time ), I was offered a plan that was approximately $ XXXX/mo more than the ING amount. Naturally, the higher payment could not be met since it was even higher than the defaulted rate I was requesting a reprieve from. I had no choice but to reject the offer. I also continued making the full payments for XX/XX/XXXX and XX/XX/XXXX. However, in XX/XX/XXXX Capital one sent me a notice for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with General Information Services, Inc (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: General Information Services ( GIS ) furnished a background report on me and submitted information to an employer that I applied with. The information that the reporting agency submitted is not supposed to be sent to the employer due to the fact that the state I live in has restrictions on what the agency can and can not report. On the background report, the agency submitted information that is past seven years but the state of Texas does not allow agencies to report information beyond seven years if the job pays less than {$75000.00} annually. Here is the Business and Commerce Code for the state of Texas XXXX : XXXX # XXXX Other research that I have found on this issue : XXXX The use of older cases Whereas the FCRA does not allow the use of any non-convictions older than seven years, several states go further and ban the use of any case older than seven years, even in instances when there was a conviction. XXXX states place restrictions on the reporting of ANY case information older than seven years. These types of restrictions are found in the following states : California, Colorado*, Kansas* , Maryland*, Massachusetts ( additional limitations are put on the reporting of misdemeanor offenses ), Montana, Nevada XXXX New Hampshire*, New York *, Texas *and Washington*. 

( * indicates exceptions based on salary. )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
1.XXXX XXXX- Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 3.XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 4.XXXX XXXX XXXX-Inquiry from XX/XX/XXXX 5. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 6. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 7. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 8. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 9. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 10.XXXX XXXX XXXX. XXXX- Inquiry from XX/XX/XXXX 11 XXXX- Inquiry from XX/XX/XXXX 12. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 13. XXXX XXXX XXXX -Inquiry from XX/XX/XXXX 14. XXXX XXXX- Inquiry from XX/XX/XXXX 15. XXXX XXXX- Inquiry from XX/XX/XXXX 16. XXXX XXXX- Inquiry from XX/XX/XXXX 17. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 18. XXXX XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 19. XXXX XXXX- Inquiry from XX/XX/XXXX 20. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 21. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 22. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 23. XXXX XXXX- Inquiry from XX/XX/XXXX 24. XXXX XXXX- Inquiry from XX/XX/XXXX 25. XXXX XXXX- Inquiry from XX/XX/XXXX 26. XXXX- Inquiry from XX/XX/XXXX 27. XXXX XXXX- Inquiry from XX/XX/XXXX 28.XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 29.XXXX XXXX- Inquiry from XX/XX/XXXX 30. XXXX XXXX- Inquiry from XX/XX/XXXX 31.XXXX- Inquiry from XX/XX/XXXX 32.XXXX- Inquiry from XX/XX/XXXX Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, 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 01-03-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX my ATM card was stolen and several unauthorized withdraws were made. Upon reporting to Bank of America onXX/XX/XXXX and they said they would promptly investigate the issue. Instead the bank 's fraud team promptly denied the issue on XX/XX/XXXX. As of now XX/XX/XXXX I just received my fraud affidavit yesterday on XX/XX/XXXX Therefore hindering my and law enforcement 's investigation. I have been to the XXXX XXXX Sherriff 's Office XXXX XXXX XXXX Station on XXXX XXXX and spoke with Deputy. XXXX XXXX and Deputy XXXX XXXX of the XXXX XXXX on the dates of XX/XX/XXXX at XXXX XXXX and again on XX/XX/XXXX at XXXX XXXX. As of today I have not received any provisional credit nor has my fraud claim even been investigated by Bank of America. Now that they have provided me with the fraud affidavit I will file an official police report by no later than XX/XX/XXXX.  Also several online transfers were made using my personal information to fund these purchases and withdraws. Bank of America has repeatedly lied to me and force stopped my investigation and also has closed my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief