vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: IL

Complaint narrative:
Hello, Once again XXXX XXXX has made a crucial error in handling my escrow funds, this is the second error they 've in the this year. I already had to file complaint XXXX when they misappropriated my escrow funds, and paid the taxes on my entire building ( vs just my unit XXXX even after I proactively went to them. They have the made same error again. 
I live in a new construction condo building, and up until recently the PIN was n't assigned. I know have PIN XXXX assigned to me by the XXXX XXXX XXXX XXXX XXXX IL ), with no tax payment due until XXXX XXXX. I have been paying {$440.00} a month into escrow specifically for taxes, with an estimated annual tax bill of {$5300.00}. XXXX XXXX just sent me an annual escrow account disclosure stating that the county tax is {$23000.00} and annual disbursement is {$26000.00}. They have now doubled my monthly payment telling me this money is owed. This figure is wildly inaccurate as I do n't have a tax balance due nor an established annual payment from the county yet, I can only assume they 're once again basing this payment on the common lot that the property was built on ( XXXX is for the entire Development and not just for my individual Unit )

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 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX, I tried to dispute an accidental extra inquiry by XXXX XXXX XXXX with Equifax. System timed out twice while I was typing in the submission form. They have a published number online to file a dispute by phone, but when you call it takes you to an automated system to order your credit report and score and nothing more. Can not reach a person. Can only call actual customer service by becoming a member. Can not submit the dispute to Equifax at all. The attached show the number to file a phone dispute that I called. 

I authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to make a hard pull on my credit for an auto loan. But they accidentally made two hard inquiries within two days of each other and hurt my credit by doing so. The first was made on XXXX XXXX and the second on XXXX XXXX. The second inquiry was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
At Chase Bank, these transactions had gone through by the end of day XXXX/XXXX/XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX {$100.00} At the end of the day, my balance was {$2.00}. Here comes a check for {$180.00} XXXX/XXXX/XXXX. Chase Bank manipulated my transactions ALL the 3 items that cleared now were charged insufficient fees {$34.00} each ( {$100.00} ), clearly, the bank is stealing from me the customer. I called them and pointed out the issue but Chase representative did not adhere to my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Flagstar Bank, National Association
State: OH

Complaint narrative:
New York community bank aka Ohio savings bank called the heloc XXXX XXXX years early due to no longer writing heloc and requested full payment of the balance. I attempted in XXXX and XXXX to make a payment over the phone to keep current so I could refinance with another bank and offered to mail a pmt. All payment requests were refused by the lender and the phone representatives only concern she asked me was if the calls to pay was on a recorded line. They have reported me as delinquent and I am unable to refinance because of their reporting. The lender originally lied and stated the loan has reached its maturity date which I was able to quickly prove the maturity date of 2012. Furthermore I was billed approximately XXXX per month throughout the term both by mail and on the automated system. I paid XXXX per month when billed for the lesser amount. Just last week In speaking with a customer service rep at the bank was advised the payments were approximately 450.00+ per month. I was never advised of this previously at any point nor was I in default prior for the supposed short payments.When first notified of their decision I was advised by a representative at the bank that i was not able to sit down with anyone t the bank to discuss their " offer to help '' paperwork nor was there anyone at the bank who I could call to discuss. The lender has been very deceitful, provided incorrect information and lied during this entire process besides refusing to take payment then reporting me as late to the credit bureau. I attempted to refinance and now can not. I did not want to do business with this lender any longer but was forced to go back to them due to the situation to try and rectify the issue. customer service representative at the bank assisted me with the loan application paperwork but is not a licensed loan officer. That is a big concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
Health insurance states hospital visit on XXXX XXXX, 2015 was not billed to the correct insurance company in the allotted time, therefore once claim was submitted, it was denied. The amount is {$1000.00}. I called the Health Insurance and was told to ask the collection agency to resubmit the bill. The collection agency said they already submitted it but was denied by Health Insurance because of the time claim was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I do not have any knowledge of nor was consent given for the inquire. My identity was compromised I want the inquires removed from all XXXX of the credit reporting bureaus. called the companies several times to correct the matter but no action was taken. I even submitted documentation a identity theft affidavit to the credit reporting bureaus and yet the inquires are still reflecting Brclysbankde Inquiry from XXXX XXXX, XXXX ( XXXX ) XXXX Bank XXXX XXXX from XXXX XXXX, XXXX ( XXXX ) XXXX Bank XXXX XXXX from XXXX XXXX, XXXX ( XXXX ) XXXX Bank XXXX XXXX from XXXX XXXX, XXXX ( XXXX ) XXXX Bk Of XXXX XXXX from 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 2017-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I have never done business with Midwest recovery systems. I do not have a sign contract with Midwest recovery systems. I have a right to demand to see a signed contract between Midwest recovery system and myself plus after reading many complaints on this company and their tactics of conducting business it is safe to say that they are a scam company and I demand to see a signed contract between myself and them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Existing Problem : I have also spoken repeatedly to different agents throughout this process. The last being XXXX ( agent # XXXX ) and her supervisor XXXX who didnt provide his agent number on XX/XX/XXXX ; however, he stated, because I was sent the confirmation the inquires would be removed and I would be sent a new confirmation letter showing the items would be removed but could not provide a confirmation # before speaking to an agent today XX/XX/XXXX, who told me the last agents made a mistake. He did not research this information. I have provided Equifax with XXXX XXXX contact information, XXXX XXXX is the head contact person at XXXX XXXX XXXX XXXX XXXX. She provided me with the letter sated the credit application was submitted in error. He informed that these items would be removed, not only because I have been dealing with this issue since XX/XX/XXXX. I have a letter that was sent to me from Equifax attached that these inquires have been removed dated XX/XX/XXXX. Since todays date the inquiries are still there. 

Please this process has been time consuming and mentally draining. I have done my part now they need to do theirs. XXXX and XXXX have deleted these items with the letter provided and speaking to XXXX XXXX @ ( XXXX ) XXXX or XXXXXXXXXXXX Thanks for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CT

Complaint narrative:
I took 3 ParentPlus loans for my daughter 's education at XXXX. Two were deferred, and I was paying on one. I had direct debit from my checking account and set up the account for PHEAA to withdraw an extra {$30.00} a month. When my daughter graduated, I consolidated the 3 loans and termed them out. I also filed a " change direct debit '' form to cancel the extra  {$30.00} per month. However, despite numerous requests and contact with customer service, they continue to withdraw the additional {$30.00} each month. In XXXX they told me it would take an additional billing cycle to institute the change. In XXXX they told me I had filled out the form wrong so I had to resubmit it. In XXXX they told me they would put it into research. The XXXX bill was just released today on the website and it still reflects the additional {$30.00}. I have called them and e-mailed them repeatedly and no one will correct this problem. I am attaching a copy of the bill showing that they intend to withdraw the extra {$30.00} in XXXX. I am also attaching a copy of the direct debit details showing that only {$250.00} should be withdrawn, but they are still taking out {$280.00}. I can pay the bill and am not asking for payment relief - I just want to drop the extra {$30.00} a month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XXXX/2017 I sent XXXX and also XXXX  and letter of dispute pertaining to a debt that I received from, National Credit Systems , Inc.. They wrote me back saying that it was verified, however, they basically ca n't send me proper verification that the account belong to me. The amount they 're saying I owe is {$1200.00} and it is my understanding that XXXX and XXXX should recheck the items with the creditor who posted it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
I am the administrator of my late mother 's estate ( death certificate and my appointment attached ). At the time of her death and at the time of the modification in question, my mother had been declared incompetent, and the XXXX of Ky. ( " XXXX '' ) was acting as her legal guardian. 

My mother 's mortgage was owned by XXXX and serviced by Rushmore. Rushmore had initiated a foreclosure, but with my uncle 's assistance my mother avoided the foreclosure by securing a HAMP modification ( attached ). The XXXX signed the modification on my mother 's behalf. 

The modification provides several different dollar figures : * Original Loan Amount : {$100000.00} * Unpaid Principal Balance of the Original Obligation Secured by the Existing Security Instrument : {$94000.00} ( para. 4.P. ) * New Principal Balance : {$120000.00} ( paras. 3.B. and 4.P ) Neither the XXXX official who signed the modification on my mother 's behalf nor the XXXX 's attorney who reviewed it and notarized it understand how Rushmore arrived at these figures.
I have repeated asked Rushmore for an explanation of these numbers and the differences between them ( attached ), but they have yet to provide any answers.
The house is now under contract, and we hope to close in late XX/XX/XXXX. Rushmore has provided a payoff amount of {$130000.00} ( attached ).
I question how Rushmore added another {$32000.00} to the Balance of the Original Obligation to arrive at the new Principal Balance and whether these additional charges are consistent with the HAMP program. I need them to reply quickly so that we can resolve this issue prior to closing. 

The account at Rushmore ( # XXXX ) is currently being handled by XXXX XXXX / XXXX XXXX XXXX XXXX / XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I do not have any knowledge of nor was consent given for the inquire. My identity was compromised I want the inquires removed from all three of the credit reporting bureaus. called the companies several times to correct the matter but no action was taken. I even submitted documentation a identity theft affidavit to the credit reporting bureaus and yet the inquires are still reflecting XXXX Inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX from XX/XX/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 2017-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have had to send in multiple papers when I was in the hospital for a year and when I couldnt work. I had doctors fill out the paperwork but Navient kept saying the dr didnt fill the paperwork out correctly. After 4 times my dr said wed went over everything and still they say its not correct. I have called multiple times for loan forgiveness. I get calls XXXX it never stops and its back to back calls. The first person doesnt even hang up before another call comes in. These people are difficult to deal with and have poor management within the customer service department. This mess has been going on for more than 5 years. I need them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was billed or an additional class after I withdrew from XXXX XXXX. 
They have placed a new debt in collection that i do not owe. I did not attend class and should not have been enrolled.

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 2017-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I authorized Branch Banking & Trust ( BB & T ) to make a hard pull on my credit for an auto loan. But they accidentally made XXXX hard inquiries within XXXX days of each other and hurt my credit by doing so. The first was made on XXXX XXXX and the second on XXXX XXXX. The second inquiry was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed my personal information before. I also sent my drivers license before as requested. I keep getting name change and address change alerts from XXXX XXXX. It stated last week, that my correct address was removed and another address was added. Which was incorrrect? I only have one last name ans always have which is ( 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 2017-10-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
OnXX/XX/XXXX - Receivables Performance Management LLC contacted me about my debt with XXXX. I agreed to a payment arrangement of {$50.00} to be taken out of my bank account to start the payment arrangements and {$25.00} every two weeks there after. 

On XX/XX/XXXX {$200.00} was taken out of my account and on the XXXX I contacted the company about it. I was told they would review the call since all calls are recorded and they would get back with me on a decision about a refund. 

About XXXX XXXX I called them back and was told the call had been reviewed but no decision was entered about a refund. I called back onXX/XX/XXXXand the agent put me on hold to review the call. The agent cam back on the phone and said yes that I was due a {$150.00} refund and the check would be in the mail on the XXXX. 

I called back todayXX/XX/XXXX and was then told by the agent who answered that there was nothing in the system about a check being sent out. I am filing this complaint because this company has done nothing by lie to me about getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed my personal information before. I also sent my drivers license before as requested. I keep getting name change and address change alerts from XXXX XXXX. It stated last week, that my correct address was removed and another address was added. Which was incorrrect? I only have one last name ans always have which is ( 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 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed my personal information before. I also sent my drivers license before as requested. I keep getting name change and address change alerts from XXXX XXXX. It stated last week, that my correct address was removed and another address was added. Which was incorrrect? I only have one last name ans always have which is ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I submitted a completed application for loss mitigation assistance to Ditech Financial LLC on XXXX XXXX, XXXX. I received a denial letter for my request for assistance from Ditech stating that Ditech forced a Flex Modification program on my account. I called into Ditech twice to find out about the Flex Modification and have it removed. The representatives explained the forced placed modification on my account and refused to remove it or cancel it. However, I found in the denial letter that I could appeal Ditech 's determination not to offer me loss mitigation assistance ; and the denying of my rights to learn all of resolution options available to me in order reinstate my loan. I fax in my appeal letter XXXX XXXX, XXXX to Ditech at XXXX requesting the removal of the Flex Modification program to have my loss mitigation assistance process proceed. I called back to Ditech and the representative said the Flex Modification program was not removed and my loss mitigation assistance process has not started.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Several hour+ long calls were made to this company regarding unauthorized inquiries listed on my report. XXXX XXXX I sent a certified letter asking for verification and disputing the inaccuracies. I also had a fraud alert placed on my account months ago due to possible identity theft. I am concerned that these inquiries have reappeared after the data breach. 

Lastly, XXXX financial is not authorized to collect debt and I noticed was faxed into Equifax stating this along with a statement from XXXX representative acknowledging the removal from all XXXX credit bureaus. This account still remains on my account and is being reported as a recent collection from XXXX XXXX.

Company response to consumer: Closed with explanation