milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage was sold fr= from one bank to another and the new bank will not honor the payment agreement made with the the first bank.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit card () with PAYPAL HOLDINGS INC. (IN).
Issue: Unsolicited issuance of credit card

Complaint: I have used Pay Pal for XXXX or XXXX years. In the past year, I was notified by Pay Pal that I needed to sign up for an account. I was confused, thinking I already had an account. I thought maybe they wanted me to update my information. I signed up for the account. Then after a purchase, I received a bill in the mail from PayPal Credit for the purchases I had made. I did not understand what had happened, as in the past I had used PayPal and they items I had bought were charged to a MasterCard. I showed this to my husband and he realized that PayPal had somehow set me up for a credit card. He tried to cancel the account. I used PayPal again after that, and they put the item on PayPal Credit. I then was charged a late fee, although I had never received a bill in the mail, and did not know I still was using PayPal Credit!!!!! I am very, very unhappy with PayPal!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Closing/Cancelling account

Complaint: Citibank cancelled a credit card and will not reopen. I was given no notice that this card account was being terminated- This has affected my credit score. 
I had this account for several years-since XX/XX/XXXX andI never missed a payment-I was never late with a payment-I never did anything but pay on time and they cancelled the card. I was told that i had not used it for a considerable length of time so they closed the account and they said that they do not have to tell me that this is going to happen-they can do this at their discretion. I tried to find out when the last time was that I used the card but this is an online account and I have no access any longer.I can not obtain any information from the website any longer as this account is now dead and closed and phone customer support would not give me the information either. The closing of this account has hurt my credit score and I feel it was closed for absolutely no reason and I had no warning that this card was being terminated. If I had I certainly could have put a purchase through on it to keep the account viable, but it is closed. When I first found it was closed I contacted customer support where the agent had no idea what I was talking about and initiated a credit limit increase-which obviously was not what I was calling about so this was turned down. Then I called again and spoke with a supervisor who pretty much told me she would resubmit my desire to reopen the account but that it would probably be denied and it was. I was told that this was because I have a lot of accounts and have considerable payments and they would not reopen but had I used this card it would not have been closed so my outstanding balances were not an issue then but they are now-they had even sent me a new card with an expiration date of XX/XX/XXXX so I do not know what happened. Just want to try to get this reopened-even if the credit limit is less than it used to be.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (IN).
Issue: Closing on a mortgage

Complaint: Hello, I am writing to you today ( X/XX/17 ) to file a complaint against a mortgage company called ROUNDPOINT, out of XXXX, NC. This was my mortgage company, until we sold our home on XXXX XXXX, 2017. My mortgage was paid off and we finance a new home through a new mortgage company. At the time that my home was paid off in XX/XX/XXXX through Roundpoint my escrow was also renewed. My realtor had me contact roundpoint to see if they owed me a refund. Turns out they do. Approx {$430.00} worth. It is now almost XX/XX/XXXX and I have still yet to receive my refund from them. I have been given the runaround from them, they have told me they have mailed me a check, then I was told they did n't mail me a check so then they mailed me another check, I still have not received it, so then I called them back again so they issued another check, still did n't receive that one. I did however receive from them in the mail a " congratulations your home has been paid off. '' So I have managed to get mail from them, just not my refund. I called them last Thursday which would have been XX/XX/XXXX, and I threatened them that if they did not overnight me a check that I was going to file small claims court charges on them. The gentleman on the phone PROMISED ME that they were going to overnight me a check. Here it is Tuesday and I still have not received a check. Today is XX/XX/XXXX. I called them back again and the lady on the phone told me that they mailed me a check Friday ( X/XX/17 ). And then I should be receiving it sometime this week or next week. And I informed her that this is the fourth time that they have tried to send me a check that I am not receiving. I do n't know what else to do and I 'm looking for help. I am ready and willing to file small claims court charges effective immediately unless I receive my money in 48 hours. <P/>XXXX XXXX XXXX XXXX XXXX XXXX, In. XXXX XXXX Roundpoint acct # 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 04-10-2018 about Debt collection (Other debt) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received a letter from " Linebarger Goggan Blair & Sampson, LLP Attorneys at Law '' repeatedly over the past year. It claims that I have the amount of {$87.00} due to " XXXX XXXX XXXX '' with a 6 year old license plate from Florida. 

It claims " Our law firm previously sent to you a letter regarding your debt with XXXX XXXX XXXX ( XXXX ) for unpaid tolls and related fees in the amount of {$12.00}. You have failed to respond to our correspondence and we are assuming that this debt is valid. 
According to the XXXX, you have an additional outstanding debt in the amount of {$75.00} for unpaid tolls and related fees. Unless, within thirty days after your receipt of this notice, you dispute the validity of the debt or any portion thereof, we will assume the debt to be valid. If, within thirty days after your receipt of this notice, you notify us, in writing, that the debt or any portion thereof is disputed, we will obtain verification of the debt or a copy of a judgement, if any, and mail it to you. If the original creditor is different from the creditor named above, then upon your written request within thirty days after your receipt of this notice, we will provide you with the name and address of the original creditor. 

Payment can be made by credit card by logging on to XXXX   ... ... '' This company is a scam. I contacted the REAL XXXX XXXX XXXX  at their REAL website and they have NO record of me owing money on a missed toll. I have the XXXX in my vehicle and have never not paid a toll. 

The amount of mail that I receive from this SCAM is insane. I get a letter once a week. If you look up the " Linebarger Goggan Blair & Sampson scam '' you will get all the information you need!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: They have not removed false information from my report that XXXX removed already. They make it hard to dispute information plus my personal information was compromised because of their recent breach.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Consumer Loan (Installment loan) with BlueChip Financial (FL).
Issue: Managing the loan or lease

Complaint: Loan date was extended without authorization or explanation. Amount required to satisfy loan has been paid according to contract originally signed. A loan was originally acquired with Spotloan on XXXX XXXX, 2015 for {$400.00}. Total amount to be paid is {$1000.00}. A payment was returned on XXXX XXXX, 2015 for insufficient payment. I received an email noting that {$10.00} would be added to my loan amount. This would bring the total to {$1000.00}. There were several emails with a " XXXX '' as to what I would need to do to bring my account current. I asked if I needed to make a double payment to make up for the situation. It was never explained that an extra charge of {$170.00} in interest would be applied. My contract states that my loan termination date was to be XXXX XXXX, 2015. An additional payment of {$58.00} was drafted from my checking account on XXXX XXXX, 2015 and my account still shows a balance of {$110.00}. They have been intentionally deceitful about their business practices and have been placed on a dispute list for XXXX XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra inaccurate information ftc violation pr report sent

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 06-04-2016 about Bank account or service (Other bank product/service) with Comerica (NC).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX I was unable to access the funds on my credit card issued by This was n't the first time this has happened to me. 

Several times I attempted to gain some assistance from the credit card company issuing me the card. On every attempt either the website was not available, or the phone. The phone number listed for Customer Services is a recording and never answered by a human. If it is n't busy the recording invited me to call back later. 

I was advised by the FDIC to call the bank, Comerica. I did and I spoke with a man who told me that the banks participation is only because the bank provided the plastic for the card even though the bank is listed prominently on the face of the card. The funds, I was told, are not insured. 

I immediately requested to speak with a supervisor who gave me the number for corporate affairs who she said handled such questions. The question I had was : is the bank affiliated financially with Direct Express. 

My complaint is my money safe, why ca n't I speak about my concerns, and is there a financial relationship between the card company and the bank? 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Using a debit or ATM card

Complaint: I am submitting another complaint about Chase bank in regards to customer complaints all the way in XXXX. first and far most, I am not a fan of knowing that when I have to be calling about a refund of an unfair and wrongful charge to my account, I should n't have to call or be connected to anyone in XXXX when the original problem is here, in Arizona. On XXXX XXXX, I was wrongfully charged XXXX XXXX from a vendor called XXXX XXXX, who were not allowed to have access to my account. Second, it was a false charge which was also confirmed by my healthplan via phone with the customer complaint in XXXX, and as of now, though the vendor, only submitted a refund of {$130.00}, the bank failed to return my money into my account right now. I am still not seeing the money adding up to my account as it should. this has got to stop and I want to know since when did I ever agree to send my private information overseas? 
I do n't like anyone from any country to have my personal information and I wo n't accept it now. something needs to be done immediately including refunding my money, at once, as well as adding additional customer service here, in the states, where many of these discretions continue to occur. I am not happy with all the hardship that I have had to endure with this bank and I want and expect answers right away.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Unauthorized hard inquires pulled ony credit report that i did not authorize.

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 03/29/2017 about Mortgage (FHA mortgage) with BB&T CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: After being accepted for a loan modification I was instructed to make payments directly to BB & T Lost Midigation Dept NOT my regular Mortgage Dept. Asking the loan dept why my payments were not showing up on my statements I was told they knew about the modifacation and not to worry. So far disputes with the bank and breaus has had no effect. XXXX, FL XXXX Home phone XXXX S.S. # XXXX BB & T Mortgage : # 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 08/19/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I received a notice that my new mortgage payment is XXXX. The following payment was not in step with this document. I refuse to payment this new amount and any late fees. This problem needs to be straighted out ASAP. They will not answering any questions about my account and the discrepancy with the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I called chase bank claims department for a transaction that the merchant would not refund. I received the incorrect items at XXXX XXXX and returned them to the restaurant and they would not refund me. Chase stated they dont handle these claims and could not do anything. I have no items and have been charged 91.62 and Chase will not help me. They can not even send me anything in writing that states they do not handle food merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian and or the collection agencies are reaging my accounts. Several accounts were removed and then re added under another collection agency name-I asked Experian to validate my open collections accounts-they did verify but did not validate as requested

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 11/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XX/XX/2016 I started my dispute with Trans Union regarding Tax Liens and a bankruptcy on my credit report. I asked them in my initial request to validate and verify the debt providing me with copies of any documentation bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. As you will see in the documentation, Trans Union did not delete any records and responded that all were verified but they did not provide any documentation verifying my signature and provided no evidence of how it was verified. I then sent another letter on XX/XX/2016 to Trans Union to validate this information and provide me with copies of documentation associated with these accounts. According to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Trans Union did not delete any records and responded that all were verified but they did not provide any documentation verifying my signature and provided no evidence of how it was verified. I 've attached my letters to the credit bureaus, their correspondence, certified letter receipts, identification verification, and the latest copy of my credit report from all 3 bureaus. I want the bankruptcy and tax liens removed if that can not be validated as according to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ). If they are not removed, I will have no choice but file a small claims lawsuit against each agency seeking damages for defamation, negligent enablement of Identity Fraud, and violation of the Fair Credit Reporting Act. Any help CFPB can provide will be truly appreciated.

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 07-05-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: I have submitted several applications for a modifications and have not received any written correspondence as to the status of the application. I have had the  XXXX  sale date postponed on several occasions and on  XXXX / XXXX / 17 , the property was foreclosed on. This company , Fay Servicing h as send any explanation as to why the application was not reviewed. This property was deeded to me in divorce and I am not on the loan, but I submitted all financials and the divorce decree.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Deposits and withdrawals

Complaint: My sister went into a Navy Federal Credit Union XXXX in XXXX Ohio XXXX the staff was very rude and unprofessional.She was told there was a fraud alert on her account she went in the branch to prove we are sisters. I faxed my birth certificate to XXXX while she was in the office the receptionist confirmed it was received. And on the telephone she was told that her marriage license could be used as verification as long as our parents names were on it. I was born before our parents were married and my birth certificate only had our moms name on it but she also had my moms obituary proving we are siblings. We understood the policies and did not mind complying with them but feel she was treated unfairly. I am filing this complaint due to the nature of her experience in the branch..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Credit card protection / Debt protection

Complaint: I have a credit card for Best Buy Citibank. I 've probably used it a few times this year. I have been making payments online and never bother to look at the statements ( since I have n't used it much ). Today I happened to look and noticed a fee for {$7.00} and DEBT PROT XXXX next to it. I have no idea what this is. I 'm assuming it is for Debt protection, but this is something I never signed up for and I do n't understand why I am being charged for it. I looked up my statements for the previous months and I saw that I have been charged for this " Debt Protection '' every month for over a year! I ca n't see my statements for past XXXX 2015, so I ca n't see how long they have been charging me. The fee is always different ... sometimes {$7.00}, sometimes {$8.00}, and sometimes {$9.00}. Is there anything that can be done about this? How can they charge me when I never signed up for this?

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 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: InXX/XX/XXXX, I purchase a dental practice in Florida. As part of the venture, I signed up for a business credit card with American Express. Unfortunately, inXX/XX/XXXX, my dental practice went out of business and a settlement agreement was reach with my bank to write off the remaining loan balance, as the business was sold at a significant loss. I have made good faith efforts to resolve all credits associated with the business transactions. In XX/XX/XXXX, I made a payment to American Express in the amount of {$5000.00} to resolve the business debt. My complaint against American Express is that the company has imposed an exorbitant and unreasonable of fees and interest onto my account. These amounts should be considered usury and should be investigated by all related regulatory, governing bodies. In XXXX, I was charged over {$2000.00} in interest and fees. In an economy where the average consumers yields 2 % -3 % on saving and investments, it should be considered illegal, usury, for companies to exploit consumers exponentially beyond those rates. Moreover, when I signed up with American Express, the alluring introductory rate was nowhere as high as the rates that have been imposed on my account. Furthermore, I request that your office look into these practices. My case is not an isolated incident. Online consumer boards are filled with similar complaints against this company. ( e.g. XXXX XXXX XXXX  ). Perhaps the company should be audited for the sake of transparency and public policy. This behavior should not be continually endorsed and permitted. I have expressed my concern to American Express, and have gotten no resolution, instead, the interest and fees continue to increase and to compound. American Express has been unwilling to resolve this issue equitably and ethically.

Company response to consumer: Closed with explanation