milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I called Freedom Mortgage Company to make sure my loan payment had not changed due to receiving a renewal from my homeowner insurance company. Upon listening to the recording it stated that my XX/XX/XXXX payment was due. That was incorrect because I had paid my payment on XX/XX/XXXX through my bank online bill pay. My account showed the amount was delivered to Freedom Mortgage on XX/XX/XXXX. I spoke with the rep for Freedom Mortgage who stated they did not receive the payment. I called my bank XXXX XXXX XXXX XXXX ( XXXX )  who stated the payment was electronically processed and they should have received the payment. XXXX provided the tracking numbers to Freedom Mortgage. I was told that I would hear something back from Freedom Mortgage on XX/XX/XXXX but I did not hear from them. I call them around XXXX on XX/XX/XXXX  and the recording stated that I owed for XX/XX/XXXX and XX/XX/XXXX payment. I spoke with a rep and was told that I did a stop payment on a check on XX/XX/XXXX. Which I did not do. Freedom Mortgage took my XX/XX/XXXX XX/XX/XXXXand applied to a check # XXXX in the amount of XXXX dated XX/XX/XXXX which was lost in the mail. I was advised by the local post office and Freedom Mortgage to wait before I placed a stop payment on the check due to the bad weather in Ohio in XX/XX/XXXX. On XX/XX/XXXX I put a stop payment on the check. I spoke with a rep on XX/XX/XXXX to bring my account up-to-date so I could receive my escrow check. I specifically asked the rep on XX/XX/XXXX if they had ever received check # XXXX and he stated no but the check was sent to my bank on XX/XX/XXXX and was rejected because of the stop payment. No one can at Freedom Mortgage can tell me where the check has been for a year.. My payment on XX/XX/XXXX was {$2400.00} and that payment was delivered to Freedom Mortgage on XX/XX/XXXX which brought my account up-to-date. I received my escrow check shortly after that date. I would not have received the escrow check if my account was not up-to-date. I have paid all my payments on time since bringing the account up-to-date. Now Freedom Mortgage took my XX/XX/XXXX payment and applied to the check # XXXX   dated XX/XX/XXXX that had the stop payment on it. Now they are saying I owe for XX/XX/XXXX and XX/XX/XXXX as well. No one is returning my phone calls and whenever I speak with someone they are telling me something different each time.

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 08/23/2015 about Credit card () with U.S. BANCORP (MT).
Issue: Billing disputes

Complaint: Why am I still getting a bill? I paid off my account and if I would have been informed that my rewards would be lost if cancelled ( which I should have been ) I would have requested them paid to my account before cancelling and you would have been owing me money. 

It is not much fun to get a load of groceries and then be told that your card is being declined. You had my phone number and I should have been called about the fraud charges and let known that I would not be able to use my card. I was on vacation and it was at a very bad time to have this happen. 

I feel that because of the rewards that were not applied and I was not contacted about my card being declined -- - I do not owe you - you would owe me and I would be charging you late fees and past due amount. You owe me {$40.00} for rewards and I owe you only {$7.00}. You charged me a {$29.00} late fee before I even got a chance to pay on the statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/15/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2016 about Payday loan () with Green Trust Cash, LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: After several unexpected medical bills, and with no living family to turn to, I was forced to search for a quick way to pay bills in advance of my regular paycheck. I found Green Trust Cash after a frenzied google search and the agent I spoke to was friendly and understanding, if hurried and pressuring me to see the benefits of having cash now. Agreeing, I accepted the terms of the loan, not understanding the incredible interest rates or the way that I would not be able to increase my payment schedule/pay the principal down quickly -- - although the agent I spoke to assured me that repayment was easy. I received the {$300.00}, less {$25.00} in wire transfer fees, and the schedule for repayment began. As per the loan agreement, I paid {$720.00} over the course of 3.5 months, more than 200 % of the loan. However, with the clear of day, I have come to understand that they are attempting to charge me 751.07 % ( or a total of {$1400.00} ) for a loan of {$300.00}. I was unable to keep up with their punishing 'repayment ' schedule, that actually kept the principle very high, so as to keep me paying for as long as possible ( more than 1 year ). I closed the bank account they were aware of in order to get some breathing room ( after being charged late fees/overdraft fees ). Then, before I was able to contact the lender about finding a schedule that would fit within my state 's legal repayment/interest laws, Green Trust Cash began to badger and call incessantly. Some times as often as 4 times a day, on my personal and work phone numbers. Having a diagnosed XXXX, I have been thus far unable to answer their abusive emails, voice mail messages or calls. I am in over my head and in need of help. Please do not trust this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Auto debt) with AllianceOne Recievables Management (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Ref : XXXX Account # : XXXX I am an XXXX account holder. The debt that alliance one is trying to collect should have been immediately applied to my XXXX prepaid account, as my license plate is and has always been tied with my XXXX account. Not only that, but the transponder was on hand when I passed the toll ( so I am confused why it even went to alliance one ). 

My XXXX account # is : XXXX My XXXX transponder # is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: On XXXX/XXXX/15 I received an e-mail from XXXX regarding a change in my credit history. When I typed in my user name and password it was rejected twice. I was then directed to a form which asked for my social security number and birthdate. I typed in the first XXXX numbers of my social and then stopped, fearing this was a phishing fraud. I have contacted Equifax regarding next steps I should take to protect my information but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Customer service / Customer relations

Complaint: I had misplaced/lost my citi credit card and promptly reported this ( online to block the account ) and called the customer service on XXXX XXXX, 2015. I was informed that I would be receiving a new card in XXXX days. In addition, was given some bull about the card, which I know for a fact to be untrue. On pressing for additional details, the agent clammed up. 
I called back on XXXX XXXX to inquire about the status. The rep ordered an additional card ( which I did not ask for, all I wanted to know was the status ). 
Been 14 days since the XXXX report ( call ) and 7 days since the XXXX and no card yet. Called again today, XXXX XXXX and was asked by the rep if I would like to close my account. 
Been a citibank customer for over 7 years and this is the XXXX time that I 've faced such an issue with the card not being sent out and jerked around by the call center reps. 
It 's getting increasingly difficult to deal with call center employees who do not understand/care, do not give a straightforward answer and cause additional hassle, after getting through the IVR and waiting on queue to speak to a human being with the expectation that the problem will be solved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (I do not know) with Solutions To Portfolios, LLC (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I received a call from this company yesterday about a payday loan they say that I owe. XXXX XXXX persisted in trying to get money from me and then proceeded to get his supervisor on the phone who abruptly came on the line and began to demand that I provide them with my personal credit card information so I can make the matter go away. They continued trying to engage me in conversation and wanted me to divulge personal details about my finances in the presence of coworkers on both sides of me. I asked them not to contact me at my place of employment. I told them that if they have information stating that I have business with them to mail it to me. I am receiving calls back to back at work and at the front desk where I provide relief for our receptionist. They continue calling making escalating threats and also demanding to speak to my supervisor. The number they called from was ( XXXX ) XXXX but it shows up as a XXXX number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Lakeview Loan Servicing sent me a letter via XXXX soliciting me to refinance my mortgage. The letter implies that they have taken over the loan from my current mortgage holder XXXX. I do n't believe this is true. The solicitation via XXXX and the implication that they are now my mortgage holder and therefore can offer me special terms for refinance are misleading. In addition, the offer has a deadline of XXXX/XXXX/XXXX. Why the urgency of a XXXX mailing and a stated deadline if the changes to the FHA Streamline Refinance Program were announced XXXX/XXXX/XXXX? The whole thing - the approach, the offer, the terms - is packaged in a way to confuse and mislead.

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 10-08-2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (ME).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This alleged account is reporting on my credit report ( s ). I am unaware of this account, and I did not receive any or telephone contact, in regards to this account. I have been residing at my current address since 2014, and I do not recall any letters being mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: It has been 6 months and Experian Credit Bureau is still reporting  XXXX  unknown collection accounts on my credit that were not originated by me. I have tried calling and was transferred to another department in which i was on hold for more than  30  minutes before hanging up and they have ignored my written disputes. My only recourse and this point is to file a complaint with you and your company is hopes i will help me get the situation resolved or it is more ammunition to prove in court that i have tried to get my case resolved.   XXXX  Experian Report #  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 10-05-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: JP Morgan Chase bank, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
XXXX I have a personal account with the above named financial institution. For me to get change for my consumers, I need to have a business account with them and I have to personally go there. ( My XXXX can not go there on behalf of me ). Is that legal? If we have XXXX Dollars and want to change into XXXX dollars, why are these stipulations by these financial institutions? 
Can someone please help me understand. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently in the Deed-in-Lieu process with Ocwen. My hardship paperwork has been in their possession for a full 9 months ( since XX/XX/2016 ). The process has been incredibly slow but now we are absolutely stuck because they can not find the assignment of mortgage. Without the assignment of mortgage, they can not complete the deed-in-lieu documents. And without the assignment of mortgage, it 's unlikely I can move the property out of my possession through a short sale either so I 'm stuck with very few alternatives.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have a Citi Bank credit card for which I paid the balance in full. Under the terms of the credit card agreement, as well as the standard for most other credit cards, when the balance is paid in full, no interest is charged. Instead, I received a bill charging only interest, no purchases. The charge was for interest in the amount of {$38.00}, which seems excessive especially in light of the fact that the balance was XXXX. I chatted online with a representative who said he could n't help me, but would have a manager call me back within XXXX hours. No one called. The problem was still unresolved. So, I chatted again online the next day with another representative who was unwilling to help, but promised he would have a manager call. This was about 4 days ago, and still no one has called me back, and the charge is still on my account. I completely dispute this charge and do not want to be forced to pay an improper charge with the threat that my credit is going to be detrimentally affected.

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
Consumer complaint received 09/25/2017 about Mortgage (Conventional home mortgage) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report

Complaint: I performed a short sale with Regions Bank in XXXX. The Account should have been closed as per the acceptance terms. Recently we found out that a derogatory payment was reported to the credit bureaus on XXXX, which has affected my credit score. 

No derogatory information should have been reported, because the account was closed in 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 05/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Hello, I opene d a CITI AAdvantage MasterCard  on  XXXX / XXXX /  XXXX  .     I setup access to the online account and established autopay on the day my card arriv ed ( a pprox.  XXXX / XXXX /  XXXX   ) for the first payment that was due on  XXXX / XXXX /  XXXX  . When I went in to check my card on  XXXX / XXXX /  XXXX  , the payment still had not posted. Unknown to me, the first payment had to be made manually to activate the autopay account. This was not stated anywhere when I set up auto pay. I went ahead and made the minimum payment on  XXXX / XXXX /  XXXX   for {$51.00}. I tried to make an additional payment of a larger amount but the  CITI  site would not let me as long as there was a payment pending. I had to wait until  XXXX / XXXX /  XXXX   to make a {$1500.00} payment to the account. The result was that my first payment was deemed late by  1 week . Although this is not reported to the credit bureaus, it is reported internally and when I ca lled CITI and  spoke with  XXXX  on  XXXX / XXXX /  XXXX  , she stated there would  be a note added to my account but going forward to pay my bill on time!! Imagine my outrage. I had set up auto pay so I would not be late and am never late with several credit accounts I hav e . CITI went a nd charged my account a late fee of {$25.00} on  XXXX / XXXX /  XXXX   as well. This is unacceptable. Now, internally, I will always be flagged as having a late payment and more than likely my account 's credit limit will not increase either. I would cancel the account but in doing so will hurt my actual  credit score even  more so I will only use it for travel and when I can get miles from it for which it was intended.

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
Consumer complaint received 05-12-2017 about Payday loan, title loan, or personal loan (Installment loan) with WELLS FARGO & COMPANY (PA).
Issue: Charged fees or interest you didn't expect

Complaint: I purchased a piece of jewelry from a store in  XXXX  and they provided a 15 month no interest loa n from    XXXX   XXXX   XXXX   XXXX  . I paid starting in the first month and had all but {$900.00} of the {$12000.00} paid off in 15 months and was about to make the last payment when I got a bill for {$3400.00} in interest. My understanding from the salesperson was that I would have a high interest rate on any unpaid balance like every credit card I have and I have very good credit. Unfortunately the fine type says you are charged interest on the entire amount of the loan even if you only owe a little. I have never heard of a credit card that works this way. I paid it off and would be ok with the interest on the unpaid balance but wells fargo is charging interest on funds I paid over 15 months ago. They offered me a 15 % discount if I paid immediately today. This still cost me {$3000.00} in interest on a loan that was paid off. This ca n't be fair business practice

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
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX I sent a certified letter to Lexis Nexis asking to verify a bankruptcy that remains on my credit profile. This letter was signed for on XX/XX/XXXX at approximately XXXX. According to FCRA it is my right to have them verify these items and they had failed to do so. Not only have they failed to verify but they have willfully violated the law.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX. broke the FCRA by not following the proper procedures regarding adverse information uncovered by an employment background screen According to the FCRA an employer must wait 10 days before taking an adverse action against and employee when a negative item such as an arrest is discovered via en amployment background check. In this scenario, I was deactivated and effectively fired at the same time as the negative information was shared with XXXX  by XXXX XXXX XXXX. I was barred from employment simultaneously upon receipt of the employment screen I had already been driving on the XXXX platform for a year and was not given a fair second chance to explain or dispute an arrest i had endured. The second XXXX learned of the arrest is the same second that i was firedl. No dispure grace period or any discussion whatsoever, just an abrupt termination.

Company response to consumer: Closed with explanation