milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2018 about Debt collection (I do not know) with ConServe (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Checked credit report and it shows I owe a college money. When I was in school, I received grants for everything or paid out of pocket. Never filed for a loan so I do not know why they are trying to receive money from me. I was never notified about this in any fashion. Nothing via mail, email or phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Mortgage (Conventional fixed mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: The lender states that the loan has a sale date for XXXX/XXXX/17 and the refuse to review the file - we were informed by the opposing counsel that the sale date is actually set for XXXX/XXXX/17 - at this point we fell the lender is unwilling to assist this client in obtaining a loan modification and is violation of RESPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (AL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This company Diversified Consultants , Inc. calls and harasses me all day long! they leave messages or they hang up. Trying to scare me into paying for something.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Mis-allocation of funds more than XXXX time, and addition of " fees ''. 
Making it very difficult to bring account current as " overdue '' balance is inaccurate and adds up. 
XXXX phone calls today alone, the most recent being at XXXX on a friday evening.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On   XXXX     Th e Chase Fraud  team contacted me via email to advise there was a known fraud company had attempted to charge my card  XXXX  and the same day another  XXXX  was declined on my card. Thus due to the email I called in to advise I had not bought anything from that company and it had been a pop up ad i had closed out.     On   XXXX   anothe r Chase Fraud Alert  had advised me that a charge for  XXXX  from this know fraud company had been approved and the same day a second charge from the same company was attempting payment for  XXXX , where again I had called the Fraud department and again was disputing these charges. where the Fraud team recommended that I cancel my card and have new ones issued to stop the fraud charges, I also needed to contact the merchant for which I did with the numbers provided by  Chase Fraud  Department the same day.     On   XXXX   I again called The Fraud team to advise that merchant was contacted and they were canceling and refunding and received a claim number to watch my account.   on  X/XX/17    The Fraud protection Team issued a temporary credit in the amount of  XXXX  while Chase reviewed what information they had and I was not asked to provide my emails during these investigations.     On  X/X/2017    I finally received notice from the merchant via email that my Order from them was cancelled, for which the company had now waite d two   full months after initial contact to cancel due to not receiving  merchandise nor agreeing to the purchase.     On   XXXX     Chase reversed the credit of  XXXX  siding with this company based on information from the company. The same company they had first contacted me about as being a fraud. With this they over drafted my account and never once asked for any information or documentation i had proving this company was scamming individuals all over the country as they had first alerted me to in the beginning. Furthermore, Chase failed to inform me before they removed the money from my account.     Also, Chase has conflicting and multiple claim numbers for this same dispute, with  XXXX  on  XXXX   XXXX  being  XXXX  and on  XXXX   XXXX  my account does n't reflect that case number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I am asking for some assistance regarding the property next to my primary residence. It is currently abandoned. My wife and I assisted the XXXX elderly XXXX american residents for the past XXXX years. Both recently passed. Upon their passing we learned that they had acquired a reverse mortgage from Champion Mortgage. As I understand it upon passing of the last resident the total amount of the mortgage is due. According to public documents my neighbors prepared a beneficiary deed naming XXXX women. Both are apparently unable to payoff the mortgage and have not been seen since the passing of our neighbors. I have been taking care of the property because the mortgage company shows no interest in upkeep. Repeated calls to Champion mortgage go unanswered. I am interested in finding out what is going on with this property since bills and delinquent notices are piling up on the front porch. This has been going on for more than XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I am being charge overdraft fee when my account is n't overdraft. On XX/XX/2017 I was charged 2 fee of XXXX dollars before I was charge those two fee I had XXXX since in my account.

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 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XXXX XXXX, 2017 I filed a complaint against the credit bureaus concerning 2 public records on my credit file. The information is inaccurate and I request it to be verified but they were unable to and remove them, however they show back up on my credit report the following week which hurts my FICO score even more. These public records can not be verified and I request they be removed immediately. Under new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not udated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I responded to a promotion for a new Citibank account. That account was funded on XXXX XXXX, 2016. I contacted Citibank in XXXX to check the status and was told I needed to complete a XXXX form. I mailed the completed form to Citibank on XXXX XXXX. In XXXX I called to check on the status and was told to wait 1 more month. I called today and was told they never received the 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 03/19/2018 about Money transfer, virtual currency, or money service (Money order) with Fidelity National Information Services, Inc. (FNIS) (IA).
Issue: Fraud or scam

Complaint: My mother purchased a money order with cash on XX/XX/XXXX from XXXX at XXXX in XXXX, Wisconsin. I took the money order to XXXX in XXXX XXXX XXXX, IA on XX/XX/XXXX to cash. To my deep embarrassment, the customer service staff in the XXXX XXXX XXXX, XXXX were unable to cash the money order. Instead they printed a slip containing the telephone number to a company called XXXX. I phoned the number provided immediately, entered the information as requested before having the automated system say that the information does not match due to reason code number 2. I thought maybe I entered the information incorrectly since it didn't match and tried to cash the money order again. The check was declined a second time and a third time with the same responses. After attempting no less than 7 times to cash the money order I gave up and headed home without the much needed groceries. I called my mom when I got into the parking lot trying to understand why a money order paid for in cash could or would be declined. I asked if by chance she used her SSN when purchasing the money order instead of mine, but she said she didn't recall providing one. 

After trying desperately to come up with some reason why this was happening I concluded that the XXXX staff must have done something wrong. I opted to go to the XXXX in XXXX, IA on XX/XX/XXXX in the hopes that the mistake would be corrected with new staff trying. I spent no less than 2 hours working with the XXXX, IA XXXX staff that included the store manager trying to cash the money order. The staff was able to validate that the check was good and the information I provided ( which included my drivers license and SSN ) matched what was listed on the money order. I was even able to provide an image of the receipt of purchase that my mom texted to me at my request. 

I sit here with no money and not enough food for my family. 

Some background - I've never bounced a check because I've never written one. I got a bank account for the first time ever just 4 months ago. I have never had a credit card, car loan or installments. So there is no fricking way in XXXX that this is legit. I have been embarrassed and I am absolutely furious that I do not have access to the money that was validated in their own system.

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 02/19/2018 about Debt collection (Medical debt) with Monarch Recovery Holdings, Inc. (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: As of XX/XX/XXXX, I contacted Monarch Recovery XXXX XXXX to obtain a receipt for each payment I've made to them regarding my debt with XXXXXXXX XXXX. This account was settled with my final payment of [ {$180.00} ] being made on XX/XX/XXXX. 

The payments I made to Monarch Recovery XXXX XXXX, were done by phone and while they recently sent me an account settlement letter, indicating that my debt with XXXXXXXX XXXX is settled, when I asked the representative for receipts for the payments I've made to Monarch Recovery XXXX XXXX he told me that he could not do that. 

I explained that I didn't receive receipts for my payments to Monarch Recovery XXXX XXXX  but only the few accounts letters he acknowledged that were sent, but which only indicated my account balance and my final payment to Monarch Recovery XXXX XXXX 

The most recent letter I received from Monarch Recovery XXXX XXXX, dated XX/XX/XXXX, also shows a Total Balance Due of [ {$94.00} ], despite the fact that my account was settled on XX/XX/XXXX, and while it was explained to me that amount reflected a remaining so-called " savings balance '' after agreeing to their settlement offer, the way it appears in this statement from them, could easily be misconstrued as indicating that I still owe an outstanding balance. 

In light of this fact as well as the fact that I've never received receipts from Monarch Recovery XXXX XXXX, I implored the representative from Monarch Recovery XXXX XXXX that I'm entitled to a receipt of payment for each transaction I made to them and that, specifically, this is what I was requesting, to which he continued to assert that Monarch Recovery XXXX XXXX had issued, when in fact, I have NOT received any receipt for any of the payments I've made to Monarch Recovery XXXX XXXX. 

I know, by law, I am entitled to a receipt for any transaction I make, and before my XXXXXXXX XXXX   debt was sold to Monarch Recovery XXXX XXXX, it was being managed by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, of whom always provided a receipt of payment to me, along with a confirmation number, for every payment I made to them as collection on the debt I originally owed to XXXXXXXX XXXX. Even before my XXXXXXXX XXXX  XXXX XXXX account was sent to their own collection department, XXXXXXXX XXXX  itself, also always provided me with a receipt of payment for every payment I made. 

To date Monarch Recovery XXXX XXXX is refusing to provide me with receipts for the payments I made to settle my outstanding debt with XXXX XXXX This is why I am now reaching out to the CFPB, because I need help ascertaining this information I am legally entitled to, from Monarch Recovery XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX, I have requested a short sale from Ocwen and I am being foreclosed on, due to their failure to allow me to continue with the short sale, my broker has received an offer and the whole short sale package was sent to the bank and they keep denying that they received it. 
We are now going into two weeks of back and forth with them and they have put a foreclosure sale date for XXXX XXXX even though there is an offer in place and buyer, but they refused to postpone it aside from that they refuse to do a interior home appraisal to take into consideration the value because they have over valuated the property other properties in better condition than mine and so they are saying that the offer they assume is to low I need someone to get involved although I talked with managers there intentionally for closing on my property without allowing me to finish the short sale with having an offer in place this is been going on for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX, I placed a fraud alert on with XXXX and obtained a credit report. I discovered that several entities that I do not have accounts with obtained my person information and conducted unauthorized credit inquiries with the credit reporting agency XXXX. Between XX/XX/XXXX and XX/XX/XXXX Capital One conducted XXXX unauthorized inquiries into my credit at a rate of a minimum of twice a month. XXXX conducted unauthorized inquiries on XX/XX/XXXX and XX/XX/XXXX. XXXX conducted an unauthorized inquiry into my credit on XX/XX/XXXX. XXXX conducted an unauthorized inquiry into my credit on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Live in apartment complex " XXXX XXXX '' for close to 7 years. Payments for rent always on time however, it was an unsafe living situation, Report made o housing authority for leaking roof and rampant growing mold. Had just XXXX and management continued to refuse to fix mold problem. Had to move due to health issues. Now the apartment complex is still charging {$1800.00} for broken lease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Payday loan () with J.S Resolution Group, Inc. (CA).
Issue: Can't contact lender

Complaint: This company called me to threaten me with legal action regarding a payday loan from a company ( some marketing group ) I know nothing about. It was explained to them that I had taken out payday loans several years ago and they have been paid. I was then asked if I had proof of the payment. I stated that this was several years ago and I do n't have any information regarding it and that again the loan had been paid regardless. The representative stated that I was going to be sued and that they were going to deliver paperwork within XXXX hours to my address regarding a judgment hearing and that I needed to make sure that I signed page XXXX of the document. I stated that I would not sign any paperwork and I hung up. This company called me on both my cell phone and home phone numbers stating that there was going to be legal action and that either myself or my attorney needed to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CO).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: We have been holders of the Amazon credit card ( Chase ) for many years. Over the past 10 years or so, we have paid every monthly balance in full AND on time, and have accrued no interest. On the XXXX statement, the balance due was {$1800.00}, and I inadvertently paid only {$1600.00}, leaving a balance of {$170.00}. On the XXXX statement, we were charged {$21.00} interest for the shortage. By my reckoning, that amounted to about 145 % annual interest for the shortage. We then paid everything that was due, plus the interest, plus a few dollars just to be certain and ON TIME! On the XXXX statement, Chase charged us {$38.00} for a fully paid balance! Their answer to me was that since we were short the previous month, they had a right to charge interest whether it was due or not. I requested the interest be waived, and they said it simply ca n't be done. Is n't this usury?

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2017 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Settlement process and costs

Complaint: I began my mortgage refinance on XX/XX/XXXX with HSBC. At the time my mortgage balance was {$270000.00}. My XX/XX/XXXX payment of {$2500.00} had not factored in and so the HSBC representative initiated the refinance paperwork with the XX/XX/XXXX balance of {$270000.00}. 
The following month HSBC had XXXX service the loan. This added a third party to the process and caused delays that resulted in my interest rate of 2.94 % extended twice since the delays were not my fault. 
For the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made 4 payments of {$2400.00}. ( I stopped making the extra payments towards the principal during the refinance process. ) In total I made 5 payments totaling {$12000.00} before closing on my refinance on XX/XX/XXXX. This brought down my balance to {$270000.00}. When the HSBC representative called me to inform me of my closing date, I realized I was n't supposed to make the XX/XX/XXXX payment. He said I would have my XX/XX/XXXX payment refunded. 
When XXXX mailed me a " Payoff Refund '' check in the amount of XXXX, which arrived on XX/XX/XXXX, I realized this amount was roughly the difference between the starting balance ( XXXX ) and the closing date balance ( {$270000.00} ). I understand that based on the amortization schedule the 5 payments totaling {$12000.00} would only cause the balance to drop by {$3800.00}. I do n't have an issue with that. 
However, to keep the loan at {$270000.00} requires that I make an additional {$12000.00} in paymentsto bring down the balance to what it was on my closing date. This amounts to a hidden fee of {$12000.00}. Is this legal? The balance could have been revised to the closing date balance. ( A colleague of mine told me that is what his bank did with his loanwhen he refinanced. )

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NY).
Issue: Application, originator, mortgage broker

Complaint: Chase mistakenly pulled my credit 3 times during the application process. 
Chase duplicatively pulled my credit on XXXX XXXX, XXXX XXXX and XXXX XXXX. 
The rational they have explained is 1 ) they pulled a hard credit pull twice over two days due to lack of coordination 2 ) they then needed to pull again as they mistakenly thought our joint application was for a married couple, it is not. They have acknowledged these errors. I have notified them of my intent to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have tried to get the escrow account for property taxes and insurance closed since XXXX, beginning with verbal requests of XXXX Bank. As shown in the attached correspondence, the Bank has agreed in principle to close the account and remit the balance to me with my agreement to pay all future taxes and insurance. However, they stipulate that I must pay them a fee. It is my position that I do not owe them any fee to get my own money returned to my control. The documents attached show that Citizen 's contends that I benefitted monetarily by agreeing to the escrow account. However, they can provide no documentation to prove that claim, nor do they have any document showing my recognition of such a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called using a automated communication phone it did n't have my name or who they were calling for they have called for the last month. And their is no to speak to

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Struggling to pay mortgage

Complaint: I filled out a loan modification on XX/XX/XXXX, no one from Carrington has contacted me I have since called them 4 times (twice week of XX/XX/XXXX) (twice in XX/XX/XXXXXX/XX/XXXX) for follow up information on the modification. I was told in XXXX the modification application was complete and someone would be contacting me no one has called. When I called in XX/XX/XXXX I was told they needed last three months of Profit and Loss statement for our business. However, no communication was given to me and I would not have know this unless I called. I did however, receive documentation sent on XX/XX/XXXX that my loan had been sold to XXXX XXXX XXXX XXXX. I am guessing because I filed a modification but Carrington is not willing to help us. I also went to receive assist from the NC Foreclosure Program and have been requesting mortgage statement from Carrington and they will not send me the information. They stated because I was in a bankruptcy but I have requested my mortgage statements several times and I have not received anything. I need those statement to receive assistance through the NC Foreclosure Program.

Company response to consumer: Closed with explanation