milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SECURITY NATIONAL TITLE AND ESCROW, LLC (FL).
Issue: Settlement process and costs

Complaint: I went to closing for the selling of my house to   XXXX   XXXX   and his wife,  XXXX , on  XX/XX/XXXX , at Security National Title & Escrow, LLC.
They owed me {$4100.00} from their rental time of this house. I refused to close unless I received this sum first. He was not present.  XXXX  represented him by POA. She vehemently agreed that they owed this sum.
She received a text showing that the wire had been sent to the title com company. The closer,   XXXX   XXXX  , verified everything and guaranteed to to me that her company would send this sum to me as soon as it was received.
Closing continued with signing of all papers, which included a statement : "   XXXX   property tax reimbursement from buyer to seller will be handled outside of transaction. '' This is the sum of {$4100.00}. I called   XXXX   XXXX  , Title company employee, the next day, and she told me that this money would be transferred to me as soon as it was received. Two days later,   XXXX   XXXX  , another title company employee, told me that they had returned the money to the buyer, and stuttered. Later he said that they could not send money that was not on the Closing Disclosure. He himself had already added this sum to the second Closing Disclosure the Friday before closing. At closing, I was told that RP funding had requested this sum not be on the CD and that it would be paid directly to me. Ok, now no one is paying this sum nor answering my calls. This seems like an act of collusion and fraud. Also, Like magic, I am told that the actual closer no longer works at SN Title as of the day after the money apparently was sent back to the buyer. The whole deal smells very badly as before closing, both RP funding, and A rep of the SN Title said that the buyer should not owe that to me. I told them that normal does not matter. The  XXXX  and I agreed to their paying me that sum as part of their renting my house.
Please help honesty prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I attempted to close an account in XXXX 2015 because I had automatic payments I could n't get stopped. I brought the account to a zero balance as I was told, but the account did n't close.I would deposit money to the account to again bring to a XXXX balance but still would n't close.Bank of America took money from my mother 's act to bring to a XXXX alance, but they still have n't closed it.Eventually the brach call the back office last month, they put stop payments on all the automatic debits, but the keep coming out. I was told to call the phone center for my fees and they basically laughed at me. I asked to speak with a manager who need called me back.Called the branch and they wo n't reverse the fees because it would count against their branch. Today they have taken {$92.00} from my regular account to put in the account that is overdrawn with automatic payments still coming. I have emailed the CEO, but I doubt I will hear anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNTRUST BANKS, INC. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX PROVIDED PRIVET INFORMATION TO A THIRD PARTY WITH DOCUMENTS UNSECURED. THE DOCUMENTS ALSO ARE INACCURATE AND LAW FIRM OF XXXX & XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX IS TRYING TO COLLECT A DEBT THAT A LENDER IS COLLECTING UPON AT THE SAME TIME. PRIVACY INFRMATION WAS MADE PUBLIC WITH NO COURT RULING AND TRYING TO OBTAIN INACCURATE DEBT.

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 11/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I have been being harassed with multiple daily phone calls by Navient for the last year or so. I graduated in XXXX and am currently prepping for graduate school which should start next year. I have communicated this to Navient multiple times that I am unable to make payments on my loan right now and am not done with my education, as I am waiting to be accepted to a program. 

I have put my loan on deferment several times, and I am fine with continuing to do this, however I need them to stop calling my phone multiple times daily. I have requested multiple times they communicate via email or actual mail and this is a form of harassment. I will pursue legal action against this company if they do not discontinue the phone calls immediately. They call from a different phone number every time, and sometimes when I answer the calls it says " please hold for the next available agent '', so I know they are using an autodialer to call me. 

I have gotten 6 phone calls TODAY alone, and my next loan payment is n't due until XX/XX/XXXX! That is not for over 3 months! LEAVE ME ALONE!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been repaying my federal student loans since 2009 and was told I earn interest everyday and none of my monthly payments go to the principal just to the daily accruing interest. I owe as much now as I did in 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX-I received a letter in the mail that RPM ( Receivables Performance Management LLC ) is trying to collect a debt from XX/XX/XXXX, for XXXX XXXX saying I owe {$120.00}. I have never had an account with XXXX XXXX and this is the first I heard that I owe money for a XXXX XXXX account, I have never received anything from XXXX XXXX saying I owe them money ... .I think this company RPM is a FRAUD/SCAM!! I called RPM at XXXX, I spoke with a guy that eventually hung up on me, then I called back, got hung up on again, called back got a different lady that could barely speak English ( or so I thought ) until I said, " I 'm sorry can I speak with someone else I ca n't understand you '', suddenly she started speaking plain English!! then I am transferred to a so called manager, I opened a dispute with them and gave them my email address and telephone number ( which they got by caller ID ) - I am freaking out because I know this is a scam!! I then called XXXX XXXX XXXX they checked my name and address and said I do not owe them anything. The lady tried to connect me to XXXX disputes XXXX ; she said they have heard of this from several people. ***I know XXXX had a breach of information just a couple of months ago****

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: EQUIFAX is being used a scapegoat/diversion/cover-up for the malicious activity that happened to me and for what is potentially happening to other unsuspecting citizens/civilians/consumer of XXXX XXXX XXXX.
There is NOTHING on my EQUIFAX consumer credit report to dispute ...
This continues/appears to be a matter of collusion and suspicious/malicious intent on behalf of XXXX XXXX
What EQUIFAX information was used to reduce my credit line???
My EQUIFAX consumer credit score ( over 700 ) during the time this incident happened is attached to this complaint.
After paying down debt to reduce my debt to credit ratioXXXX XXXX XXXX. reduced my consumer credit line from {$4000.00} to {$1900.00} causing a debt to credit ratio INCREASE which negatively impacted my consumer credit rating and consumer credit scores with ALL major consumer credit reporting agencies. Up toXX/XX/XXXX my XXXX XXXX line of credit for my XXXX XXXX credit card was {$4000.00}. On XX/XX/XXXX, 4 days AFTER XXXX XXXX  received my {$2500.00} payment, XXXX XXXX reduced my XXXX XXXX  Consumer Credit Card line of credit to {$1900.00} thus causing my debt to credit ratio to increase from 38 % to 83 %. My XXXX XXXX XXXX  consumer credit card credit reporting payment history is immaculate/on time/never late across all three credit reporting bureaus sinceXX/XX/XXXX. On XX/XX/XXXX, at approximately XXXX XXXX, I was told by a XXXX XXXX XXXX XXXX XXXX XXXX representative ( XXXX ) that a " periodic '' account review was done which caused my credit line to be decreased. For the record, my XXXX  XXXX and Equifax consumer credit reporting scores were HIGHER than they were when I was granted the initial {$4000.00} line of credit - ATTACHED EQUIFAX CREDIT REPORT FROM XX/XX/XXXX. I received letters from XXXX XXXX stating their decision was based on information from EQUIFAX ... In addition to consumer concerns with using EQUIFAX given what was transpiring with EQUIFAX during the timeframe of this incident, this is not only false representation it 's also malicious intent at the hands of XXXX XXXX. I am a subscriber to a daily consumer credit monitoring service ( ATTACHED EQUIFAX CREDIT REPORT FROM XX/XX/XXXX) and there is NOTHING on my EQUIFAX credit report that substantiates the claim from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX XXXX keeps reporting that I owe them {$68.00} and I have already paid them. I also paid them {$68.00} again recently ( X/XX/2017 ). Although I paid them it still remains on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: To whom it may concern ; I have an account with XXXX XXXX XXXX XXXX that has been compromised via fraudulent and unauthorized activity. I first became aware of this on XXXX XXXX and contacted my card issuer accordingly. I made a payment, disputed these unauthorized transactions and then proceeded to close the account permanently. The current information reporting on my credit file with Experian is wrong on multiple levels ; 1. The account is not open, it has been closed by me. 
2. The balance on the account is reporting inaccurately. 
3. The status should also read that it is currently under dispute for fraudulent charges to the account. 

I am attaching my identification ( DL & SS Card ) along with an image proving that I have contacted XXXX about these unauthorized charges along with the confirmation number they gave me. 

Would you please update my credit file, once you have completed your investigation accordingly, to reflect your findings? I am confident you will see your findings and my statement will fall in line accurately. 


ACCOUNT ****XXXX XXXX XXXX XXXX ( XXXX credit card ) Account # : XXXX Date opened : XX/XX/2016 Limit : {$4000.00} Please feel free to reach out to me if I can be of any further assistance in helping you to expedite this matter. I can be reached absolutely anytime at XXXX XXXX XXXX XXXX. As always, thank you kindly for your help with this matter.

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 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The credit bureau is allowing inaccurate information of this account to be reported. The name of the company is MRS BPO, L.L.C and the creditor is XXXX XXXX they have recently added this account on my report with XXXX with a re aged date of XXXX/XXXX/2016 for {$310.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The credit information provided does match up with my personal information also i have previous knowledge of the inappropriate information on my credit report. Would like resolve this matter so it will no longer affect my scores in the near future thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I provided Equifax with police reports proving identity theft as well as an out out Court settlement with  XXXX  Bank  (  also known as  XXXX  ) where they agreed to remove all  XXXX  Bank accounts from my report. Equifax has partially complied with removal, then reinserted information. Furthermore, they continue to report fraudulent, illegal credit inquiries that do not fall under fair use. These must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: Loan modification documents were signed & XXXX on XXXX/XXXX/XXXX and Nationstar has failed to report the HAMP Tier 2 loan modification to the Treasury as of XXXX/XXXX/XXXX. MHA ( Making Homes Affordable ) Escalation Team has been contacted. Nationstar continues to request extensions. As of today, it has been 7-months since signiture. They state they are unable to upload documents. I feel this could be in retaliation for reporting them to HUD for failure to accommodate a person with a XXXX. Nationstar is aware this is delaying the finalization of 2MP ( XXXX Lien Modification ) paperwork with another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage payment has increased by {$800.00}. I only was notified when I called. When I asked for the details, I was advised that part of my increase was due to XXXX insurance companies being paid for my homeowners insurance. XXXX XXXX and XXXX. XXXX was distributed XXXX when I never was uninsured or agreed to the insurance. I changed my insurance form XXXX ( because the premium has increased to {$20000.00} a year ) to XXXX XXXX. Someone from Ocwen called me because they had received the request from XXXX to pay the {$20000.00} at that time I reminded the OCwen agent that my new policy was with XXXX XXXX. Ocwen should have never issued XXXX XXXX XXXX a check and advised me that I was was responsible for reaching out to them. Also I was advised that my escrow was in a negative of {$10000.00} but no one could explain to me in detail how my mortgage payment increased to {$800.00}. I advised Ocwen Manager/Supervisor XXXX that I could not afford to pay the new mortgage payment and advised if there was anyway to spread my escrow deficiency from 12 months to 24 months. XXXX advised me that " If you can not afford the payment, then you can not afford the property ''. I advised that this could lead to a Foreclosure. He stated he could send me a refinance application. I do n't think that I should have to refinance my home due to an escrow issue that was created due to Ocwen errors. This is an unfair and deceptive practice that Ocwen is engaging in.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Conventional fixed mortgage) with SOUTH PACIFIC FINANCIAL CORPORATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company has been paying the premium on my homeowners insurance per the initial terms of the mortgage. I have been receiving communications since XXXX of XXXX that there was a lapse in homeowners insurance coverage from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and I am being asked to pay the mortgage company over {$4500.00} to obtain coverage for the same period. I have tried to resolve this with the mortgage company through written ( email ) and phone communications yet I have not been offered a proper resolution to the issue. I do n't understand being charged an excess of {$4500.00} to cover homeowners insurance for a less than XXXX months period of time. I have tried to obtain coverage for the period in question on my own, but I am unable to get an insurance company to write a policy for a period in the past.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MN).
Issue: Money was not available when promised

Complaint: I am a small business owner, I own a   XXXX   XXXX   XXXX   and I started selling  XXXX   XXXX  on  XXXX  for extra income on the side. My   XXXX   purchases are linked up with  PayPal where customers would pay using PayPal and once PayPal confirms the money I will ship out the item and once the tracking number is provided and is delivered PayPal will release the m oney.     At first everything was fine but once I started to have more orders they started to hold the funds, initial hold was 21 days I was n't too happy about that because I offer custom make  XXXX  gold jewelry and with gold the market fluctuates every day and I need cash flow to run the business. If the customer has received the merchandise my funds should be released. Then I get a call and email saying they will no longer be able to release the funds in 21 day now is 90 days and few days later I get another call and email saying they will hold 10 % of all the money for 180 days. Every deal I make my profit is only 10 %  Currentl  y PayPal is  withholding {$28000.00} Please help with this situation. You can reach me at my mobile  XXXX  or business  XXXX    XXXX   XXXX    XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Filed a complaint before about how they were calling me over and over. They are still doing it and one person who called was talking about me being a beggar and I have it taped on my cell phone. I just got another call where the guy was ignorant and would not let me talk and kept talking over me. Told him to please listen since I will not argue and I will hang up. He stated I will hang up for you. The phone number was XXXX. I get about 5 different numbers that call me from all over, Florida, NY, Illinois, Philadelphia, north jersey, Arizona, and California. I am not sure why I am getting calls all over the place maybe it is to mask their phone number so you answer the phone. They do not seem to care about or want to wait till I go back to work and if someone tells me to go work in a convenience store again I am going to lose it. THey act like I am not trying to get a job over the summer. They are very ignorant and I am very stressed out since I am also losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal data was leaked from the most recent security breach at Equifax. Equifax has not been able to submit an annual free credit report online ; has not been able to place a fraud alert nor has it been able to freeze my credit report. Transunion charged my {$10.00} for freezing my report. XXXX  and XXXX have not been able to freeze my report or place a fraud alert on it. This took several hours of fruitless work with immense frustration and looming negative effects on my credit scores and ability to leverage my well deserved good credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this account somehow was opened up in my name is fraudulent and opened as a result of my identity being stolen i have gone through alot tryying to get this straightned out i have filed police report and notarized id theft affdiavit concerning this with the ftc

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Other debt) with Credence Resource Management, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been called several times a day everyday about a medical debt I know I paid. The calls come from Credence Resource Management at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX XXXX. The phone numbers they use change everyday. The last four from just today and yesterday have been XXXX, XXXX, XXXX, XXXX. Its all Credence Resource Management. I have spoken to them several times and explained the medical bill was paid by a third party. It does not show up on my credit report.

Company response to consumer: Closed with explanation