milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2016 about Mortgage (Conventional fixed mortgage) with Alabama Housing Finance Authority (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage contract specifies that the mortgage company ( ServiSolutions, in this case ) is responsible for paying my property taxes ; however the taxes were not paid, and are now 2.5 months in arrears. I can accept that mistakes happen, and that it may take time to fix said mistake ( s ), but 2.5 months is not an acceptable amount of time for this issue to still be unresolved. As near as I can tell, with the information I have access to, ServiSolutions attempted to pay the taxes ( I assume by issuing a check ), but some error was made and the funds were returned to ServiSolutions and credited back to my escrow account. I discovered that the taxes had not been paid when I got my form XXXX and saw in box XXXX " Property Tax {$0.00}. '' I have received no communications from ServiSolutions about the taxes, and they still show as owing at the county Treasurer, meaning that if they did anything to discover the error, they either have not fixed it or have not discovered its origin. The easiest thing would have been for them to contact me - since I got the statement from the County Treasurer - and ask me to help them update their system, but they did not ; likewise they could have Googled it ( if it was an address/addressee problem ), and either of those solutions would have resolved the problem in a matter of minutes, not months. This is my first mortgage, and I trusted that ServiSolutions had enough experience and people that when something like this happened it would be quickly corrected, instead, it is up to me to do their job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2017 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt has been sold without notifying me. This is violation of my privacy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 07/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: KEEPS CALLING MY WORK, CELL AND FAMILY MEMBERS AND SKIP TRACING AND ILLEGAL BACKGROUND CHECKS. THEY HAVE VIOLATED TCPA, FCRA, FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Credit card) with Hiday & Ricke, P.A. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I KEEP GETTING THREATENING LETTERS FROM A DEBT COLLECTOR, LAST YEAR THEY THREATENED TO PLACE A LIEN ON MY VEHICLE, THEN THAT SAME YEAR THEY CONTACTED ONE OF MY CREDITORS AND INQUIRED WHY WAS I GIVEN CREDIT THIS YEAR IN XX/XX/XXXX THEY HAVE TRIED TO FREEZE MY BANK ACCOUNT AND NOW THEY HAVE CONTACTED MY EXEMPLOYER ASKING FOR PERSONAL INFOMATION.. I HAVE NOT BEEN ABLE TO WORK SINCE XX/XX/XXXX. I AM XXXX XXXX AND TAKING MEDICATIONS EVERYDAY TO BE ABLE TO MOVE AROUND..

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 05/23/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (VA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Wells Fargo Dealer Services "  confirms that the retail installment contract/loan number  XXXX  was paid in full or was satisfied on  XXXX / XXXX / 2017 . '' After 69 days I am still waiting for my refund of {$640.00}.      WFDS sa id it issued payment at the end of  XXXX  - but I never received payment. Thereafter WFDS claims that I have to file a notarized affidavit ( at my own expense ) with them to receive my refund. Why is the burden put on me to receive the refund of my money?     References : WFDS : C ase 1 -   XXXX   Case 2 -   XXXX  CFPB : Complain t 1 -   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 06/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: The monthly payment on my house increased all of the sudden a few years ago ; making it impossible for me to keep current because the monthly payment was too high. I tried to resolve the situation by trying to apply for a loan modification but I was always denied by the creditor. It seems that they rather have an empty house than give me a chance to pay my debt that I defaulted on. Lastly, I was doing a short sale on the property but the bank is not cooperating with me. They always have excuses on not letting me solve the issue on the house.

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 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: -Applied for the Double Cash Rewards credit card from Citibank on XX/XX/XXXX.

-I had my credit frozen so I had to speak with a Citibank representative after unfreezing my XX/XX/XXXX credit report.

-I received my card on XX/XX/XXXX. I quickly activated m

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 12/24/2016 about Credit card () with U.S. BANCORP (TX).
Issue: Closing/Cancelling account

Complaint: On XX/XX/2016 I responded to an offer by Elan Financial for a visa card and was approved for a credit line of {$2000.00} on XX/XX/2016. Shortly after I received my visa card ending in # XXXX. In XX/XX/2016 I requested an update to my mailing address and phone # and in response I received two separate letters one dated XX/XX/XXXX & another XX/XX/2016 both thanking me for contacting Cardmember Services and that they appreciate the opportunity to be of assistance. Regrettably, we are unabe to process your request at this time. Please contact Cardmember Service Dept. @ number listed below. Once I called I ended up being transferred to there fraud dept which I found ridiculous since they changed the address & phone to my other account. After getting no response to my request I submitted a payment to the account above and received a statement with a credit of {$10.00} to the account. I noticed that the account stated that it was closed and to destroy and cards in my possession. I called to be told that it was n't closed, but under review? Unless I received the statement I would have never known it was closed and / or under review! On XX/XX/2016 I wrote Elan Financial a letter which on XX/XX/2016 they acknowledged by updating my address but failed to address the account closure / under review. This time they sent a letter confirming the address change to both the old and new address. We a coming to the new year and I am still waiting for an explanation for there actions.

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 03-08-2016 about Consumer Loan (Vehicle loan) with SYNCHRONY FINANCIAL (FL).
Issue: Problems when you are unable to pay

Complaint: XX/XX/XXXX a family member of mine bought a vehicle using Synchrony Bank Financial for financing. I was placed as an authorized user on this credit account. XX/XX/XXXX the account was closed and my family member continued payments until XX/XX/XXXX at which time the account went delinquent. This was then placed on MY credit as a past due account. I have made multiple attempts to call Synchrony Bank and no one can pull up anything under my information. The account # shown on all my credit reports is only linked to my family member showing me as an authorized user on the account and Synchrony bank had XXXX different employees tell me on a recorded line yesterday when I spent 4 hours trying to find information on the account that it should not be on my credit since I was not the financee and just an authorized user. This account has been detrimental to my credit rating and no one can seem to tell me why it is on my credit or even find the account with my information on it at all to tell me who to speak to about it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (OH).
Issue: Account opening, closing, or management

Complaint: Chex Systems is not complying with federal laws in regards to its records of me in its databases and what it reports I placed a consumer freeze on my credit file before and like magic it disappeared so today i placed one again. I check my XXXX credit report and they are letting their agency subscribers defame my name and character of debts that were charged off by which creditors have been paid for by writing them off as a loss on their business income taxes. The debts are now being reports XXXX times as if i owe the amounts XXXX times since 1998. by the fair debt collections practices act these items should have been purged and deleted outside of statutory limitations. These items under federal law should not be on my credit report by which they are and now i have submitted them to my attorney to pursue actions against them for trying to report them on my credit reports.

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 09-08-2016 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Problems when you are unable to pay

Complaint: USAA knowingly uses a criminal enterprise to steal vehicles, cash inside the vehicles and personal identifiable information. 

USAA promised me I was being considered for a loan modification and promised me as long as the loan was in the process that nothing would happen. I find out later they lied and my vehicles were stolen off my property. 

USAA rep told me once a decision was made on the loan modification that I would have 5 days to bring the loan current if it were over 60 days. They lied and pulled a bait and switch.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: When I was obtaining a Home Equity Line of Credit from Bank of America I was XXXX that the prepayment penalty would be waived if I opened a new line of Credit on another home. Now they say the fees can not be waived.

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 07-06-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I got a mortgage loan from beneficial mortgage XX/XX/XXXX. We bought a credit life insurance policy from Beneficial when we got the loan. My husband died XX/XX/XXXX. I have told beneficial repeatedly that he died and that I want to get the benefit of the credit life insurance policy but they just ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with ID Analytics, Inc. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX, I was told that this reporting agency is fraudulent and reports to creditors a lower score and I needed to file a complaint.

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 11-11-2017 about Debt collection (I do not know) with Security Credit Services, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This is not my account when I called the company they were very rude and said I needed to pay this or else

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Payday loan) with ROC Asset Solutions, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: API calls themselves a " Mediation Firm. '' This is a euphemism for a debt collector. They have called my number ( above ) numerous times during work hours. Thirty minutes ago, they left a message with my employer. Twice within the last 48 hours, they called my mother in Florida. Several of the voice mails for me reference that " I have a decision to make '' after stating the license and make of my vehicles. The lady with whom I spoke on the phone a few moments ago was incredibly rude after I asked her company to provide me a " validation of debt letter. '' She said they emailed one. They did a few weeks ago. I requested, per law, that her company send it through the US mail. She replied, " What, now you 're an expert on Fair Trade Law! You 're a professional debtor! '' Then she hung up. The case number in reference is XXXX. Before I got mad on the phone, I asked if we could be congenial since there are Fair Trade Practices for debt collectors, or as she calls them " mediation firms. '' She remained ugly on the phone. As stated, they have called me multiple times and left threatening messages ; they have called family members multiple times. Enough phone harassment.

Company response to consumer: Untimely response
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has been hacked and after filing with them I 've found that my information may be impacted by this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I just made a payment previously on my account and went to make a purchase using my XXXX 'S credit card at the end of the month. I was informed by the cashier that my card was declined. I called the number on the back of my credit card and spoke with someone from customer service who stated that my account was over the limit. I had been making my payments at the XXXX of every month. The customer service rep told me that I am paying my account too early therefore I am being penalized for paying early. My account is due on the XXXX of each month. They are not applying my payments to my account correctly. I am being charged a late fee of {$25.00} every month for being late. I feel like I am being cheated every month and I have spoken with them more than once concerning this matter. I feel discriminated against for paying my account on time. I have been paying what is on the bill.

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 02/18/2017 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE SUBMITTED SEVERAL DISPUTES TO EQUIFAX REGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE EQUIFAX FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: Bank of America has refused to give me any credit for a {$4900.00} check that was taken, but not processed, by a malfunctioning ATM ( ATM ID XXXX at the XXXX XXXX XXXX, XXXX, PA XXXX location ) on XXXX XXXX, 2015 at approximately XXXX. I am a student at XXXX XXXX XXXX XXXX XXXX. The check was issued by XXXX University as a tuition refund. I spoke to multiple supervisors at the branch, including the Branch Manager, XXXX XXXX. I also spoke with multiple supervisors in the Electronic Claims Services Dept. They refused to give me any credit for the check, although I explained the circumstances of the malfunction, including the amount of the check, the issuing party, and my relationship to the issuing party. 
Additionally, I cited a previous instance in which a Bank of America ATM took approximately {$400.00} cash that I deposited. I was given a {$200.00} dollar credit while they investigated the issue. Yesterday, Bank of America informed me an investigation would take 1-10 business days to be resolved. XXXX XXXX advised it would take 2-3 weeks to cancel the check and have another re-issued. Bank of America declined to issue any credit for the check due to the amount of the check. Moreover, today I was informed by an account manager that there was no record of my card being used at the ATM, nor any record of the check at the ATM ( XXXX XXXX was witness to this conversation ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was originally with XXXX XXXX and had been recently bought out by Freedom Mortgage in XX/XX/XXXX. I have received nothing but horrible service from them so far and nothing has been accomplished since my initial request on XXXX/XXXX/15. On XXXX/XXXX/2015 - I emailed a request to remove my PMI to XXXXXXXXXXXX and attached a copy of an appraisal I paid for that is from an accredited appraiser. They told me I would receive a response from them within XXXX hours. I have received no such response. I called in on XX/XX/XXXX, they told me that it is under review and could take a month to process. I waited a month and called XX/XX/XXXX. I was told that they did not have a copy of my appraisal so they closed the case. All this time I have yet to receive any mail from them letting me know any of this information, this correspondance was from me having to call them to follow up. The representative I spoke to told me that she didnt know why they said they didnt have the apprasial when she could see it attached to the email, so she opened up the case for me again. I waited and still no correspondance, so I called again I believe it was on XXXX XXXX or XXXX. I spoke to a " XXXX '' she told me that she sent an an email requesting an update and she was to call me back on XXXX XXXX to give me an update. I had no such call back. I called again on XXXX XXXX and spoke to a XXXX, she would not give me her last name which i figured they did n't want to be responsible for any calls they take in. Anyway, I asked to speak to a XXXX at this point and was very frustrated that I have been given the run around. She send me to a voice mail box of XXXX XXXX, because apparently he told her he was too busy to take my call. I left him a detailed voice message and had no return call back from him. I called today XXXX XXXX to ask for update and to let them know I have yet to hear back from XXXX. Apparently I was not important enough to get a return call back. The Rep told me that she did see some notes on the system today from a team lead named XXXX requesting an approval to remove my PMI and that the turn around time was Wednesay XXXX XXXX. I asked to speak to another manager, she transferred me to XXXX ( not sure of spelling ) his employee ID # XXXX. He was the only one to give me his employee # and ask for him next time if i have any further questions but told me he would call me on Monday XX/XX/XXXX once he hears back from XXXX. 
My payments have always been on time, so I 'm in default, just trying to understand why it is taking so long to get this accomplished. This experience has been nothing but horrible and would n't want anyone else to go through this. Looking any help I can get to remove this PMI. 

Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Chase Bank has been calling asking for my father XXXX times in less than an hour. the first call started at XXXX and its XXXX and they have just made the third call. Chase Bank called as many as XXXX times yesterday which is when the collections calls started. They are trying to collect a late payment of {$55.00}. My parents are both XXXX and my mother does not speak XXXX so she is unable to explain to them that I her daughter will make the payment for them today after work.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX this account is identity theft and does not belong to me

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