milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I am a customer of PHH Mortgage. My monthly mortgage payment is {$2200.00}. All of my payments to are up-to-date, and I have in fact overpaid them as I will demonstrate. In XXXX 2015, there was a small change in escrow ( {$96.00} ) for my payment which I did not notice, and I paid the historical monthly amount. I noted the error the next month, made the catch up payment for prior month 's escrow, paid the new monthly amount, and called PHH to report the mistake. I was assured in XX/XX/XXXX by PHH that all amounts would be applied pursuant to my intention. After six months, they have failed to correct the issue in spite of my repeated and consistent calls. I have spoken with XXXX, with XXXX XXXX, XXXX XXXX and a number of others at PHH. I also followed up in writing with XXXX and XXXX. Not only have they not corrected the error in over 6 months, I was incredibly disturbed to receive correspondence ( attached ) dated XXXX XXXX, 2015 indicating that I owed PHH {$11000.00} and that payment was due just three days later! This is reprehensible! On top of that, I received a communication dated XXXX/XXXX/2015 indicating ( for the first time ) that my escrow amount was changing effective XXXX 2015. Ironically, the amount went down, so I have actually been overpaying what I owe them from that date to now. Mortgage servicing is one of the most important functions in our American economy. Family financial security, credit ratings, and accessibility to affordable home financing are dependent on an efficient administration of mortgage debt. PHH is not up to the task.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I can not afford to make payments due to a series of health issues, they posttponed payments however the interest charged is beyond belief. I have been paying off A {$6000.00} loan since 2009 my school really rooked me into signing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My elderly father was a victim of fraud and financial manipulation by a timeshare company in XXXX. He lost {$150000.00} by sending a XXXX separate wires to XXXX believing he was selling his timeshare. He subsequently took a trip to XXXX and was told by the timeshare company that if he upgraded his timeshare for {$50000.00}, that he could sell it within three years for {>= $1,000,000}. He used XXXX credit cards ( XXXX and XXXX XXXX ) for a down payment of {$24000.00}. Once this was discovered, we put a halt to the payment. The credit card companies are demanding payment. I have claimed fraud and financial manipulation of an XXXX person, which is against the law in our state, but it does n't seem to matter. The credit card company is supporting the fraud and manipulation. We do n't know where to go for help. There does not seem to be any resource that helps XXXX victims of fraud. ANY direction that you could point us to would be very helpful. As his son, I have my fathers POA and can act on his behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: LETTER DATED XX/XX/XXXX ( I RECEIVED THE LETTER XX/XX/XXXX ) ADVISING THAT MY CREDIT CARD HAD BEEN TERMINATED. WITH NO REASON WHY??? THE ACCOUNT WAS CURRENT, PAYMENTS UPTO DATE, A VERY SMALL BALANCE. 
THE CREDIT CARD HAD A REWARDS BALANCE OF OVER XXXX POINTS WHICH IS EQUIVALENT TO {$1500.00} WHICH HSBC HAVE REVERTED BACK TO XXXX. 
I HAVE TRIED SO MANY WAYS TO OBTAIN WHY THIS HAPPENED, HSBC HAVE MOVED ME AROUND SENDING ME TO THE LOCAL BRANCH WHO WOULD NOT FIND OUT OR EVEN KNOW WHAT TO DO. I HAVE TRIED TO CALL THE CORPORATE OFFICE, NO ANSWER. THEY HAVE TOTALLY MADE ME FEEL ABUSED, DISCRIMINATED AGAINST LIKE HAVE DONE SOMETHING WRONG. NOT ABLE TO FIND OUT IF THE BANK HAS BEEN GIVEN SOME WRONG INFORMATION, AND WHY THEY WOULD DO SUCH A THING. 
I NEED HELP TO FIND OUT HOW AND WHY A BANK WOULD BE ALLOWED TO DO SUCH A THING WITH NO EXPLANATION. 
LOOK FORWARD TO HEARING FROM YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Bank account or service (Checking account) with IBERIABANK (LA).
Issue: Deposits and withdrawals

Complaint: Bank should not charge disadvantaged contractors without a bank account to cash a check written from 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 explanation
Consumer complaint received 07/27/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received an itemized list of charges from National Credit Systems on XXXX XXXX, 2017 that XXXX sent to them. I have great concern about a balance they are reporting that I owe. Upon adding the amounts listed for each item. {$570.00} Balance at home {$60.00} Carpet Shampoo {$50.00} Clean Appliances {$50.00} Didnt return Apartment Key {$75.00} Didnt return Gate Remote {$25.00} Didnt return mailbox Key {$10.00} Didnt return parking tag {$50.00} Didnt return walk thru gate key. {$740.00} Lee Termination fee I came to a grand total of {$1000.00} however they are reporting that I owe {$3300.00} for these items. I have searched for an explanation from many sources to no avail. Im afraid that XXXX and National Credit Systems is trying to collect a balance I do not owe and, as a result, are reporting this erroneous balance to all XXXX major credit bureaus which has caused me to suffer financially. I have asked the orginal creditor multiple times for someone to please provide an explanation of these charges and have yet to get an answer.
i have reached out to the orginal creditor on several occassions verbally and via email.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Mortgage (Conventional fixed mortgage) with MLD MORTGAGE INC (NJ).
Issue: Settlement process and costs

Complaint: I applied for a conventional mortgage. I was approved for the mortgage. I received the mortgage commitment. I was told that we would close by XXXX/XXXX/15. Late Friday evening on XXXX/XXXX/15 I was informed by the mortgage company that they made a mistake and submitted my loan as conventional when in fact it 's supposed to be FHA. As a result the purchase is now postponed another 3-4 weeks. Once I received the commitment I notified my landlord who rented out my current house starting XXXX XXXX. I now have no where to go with a XXXX year old son!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I would like to exercise my rights through Dodd Frank and UDAAP " Unfair, Deceptive Acts, Abusive Acts and Practices. The practice caused injury to my financial future and health. The practice was deceptive it was misleading. It was abusive material interferes with the ability to understand a term or condition of a consumer financial product or service. Offered me a XXXX XXXX degree without XXXX classes, which caused additional high pricing without my XXXX degree. All other colleges offer XXXX classes with their XXXX degree 's. This is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Debt collection (I do not know) with Account Discovery Systems, LLC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: The debt collectors call and ask for someone that I have no knowledge of, in any way. I have told them they are calling an invalid number, but they have continued to call. I have advised them to stop harrassing me, but they say that I did n't tell them ( the person speaking ) personally so they do n't know not to call me. They are also harrassing my husband and he has told them the same, we do not know who they are talking about and ca n't help, stop calling. It 's been going on for months and they use different phone number, with no caller ID. Sometimes they 'll leave a message asking for this stranger, and we need to have him call them regarding an important file. They will not stop calling us.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 03/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I signed up for school, spoke with the counselors and they told me that being that I was a convicted felon informed me that I would not be able to gain employment due to may criminal record. I never attended any classes. I just signed the papers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (CA).
Issue: Using a debit or ATM card

Complaint: I have prepaid visa card Netspend account. I 've had this account over a year with no issues. I get my paycheck direct deposited to it.within 2 hours of the last direct deposit there was a {$300.00} physical atm withdrawal taken from my account in a location very far from me. and another transaction in the same amount in what appears to be XXXX. I filed a dispute claim right away and was told their investigation would take 10 days. it has now been ten days. I contacted them and was told I would get an update in 3 days. they still have not credited my account and I am acquiring late fees and facing shut off notices. this was XXXX of my paycheck and I am at a loss with no money to survive on and no information that this is getting resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TrueAccord Corp. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received an email from TrueAccord saying they were trying to collect a debt of {$150.00} for XXXX for a radiator service. 

I never had any work done on my car by XXXX. 

I called and spoke with them and they said there is no debt with them. I never authorized any charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Money transfer, virtual currency, or money service (International money transfer) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2017 at approximately XXXX XXXX central standard time an international wire transfer was made from an XXXX XXXX checking account in the amount of {>= $1,000,000} XXXX pesos at an exchange rate of XXXX per 1 American dollar of which no monies where received into my U.S. Capital one checking account. The funds were successfully withdrawn from the XXXX account but never deposited into the Capital One account. We are concerned that it might have reached another account or that there was a mistake in between that needs to be fixed. XXXX bank has provided proof that the withdrawal transaction was successful but no monies were actually received into the Capital One account. Both parties have declined any wrong doing or responsibility for the missing money. Capital One has requested a federal reference number which XXXX can not provide. We have confirmed that all checking account numbers, routing numbers, swift codes and names where correct at the time for the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX and XXXX fraudulently report XXXX, Equifax, XXXX  and NYS Attorney General. XXXX, Equifax and XXXX  continue the fraud. Please refer to attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Privacy

Complaint: In XXXX 2015 I requested an e-mail receipt from a vendor. Today after using the same credit card I used in 2015 at a business I had never been to before, I received an e-mailed receipt When I made the purchase today they did not ask if I wanted an e-mailed receipt, nor did I provide them with my e-mail address. 
After receiving the e-mail today, I searched my e-mail archives and found that the common link is that both companies use " XXXX '' for payment processing. 
It was a huge surprise to me that this business ( XXXX ) I know nothing about had linked my credit card number to my e-mail address. They clearly stored both my credit card number and my e-mail address to use over a year later without my explicit permission or knowledge that this was occurring. Since I am not comfortable with this business practice, I searched for a way to remove both my credit card and e-mail from their databases and could find no such option. It appears that in order to manage my information with them I have to sign up for an account which would require providing more personally identifiable information, which I am reluctant to do. They already have more information about me than I want them to have. 
This feels like an extremely inappropriate way to use my credit card information and my e-mail address. I will no longer be using any credit cards at any company using " XXXX XXXX '' for payment processing. However I also wanted to report this to you since I most definitely consider this a bad business practice, and possibly illegal since they did not obtain my explicit consent to capture and store my personal information. 
As I researched this company, I identified a separate inappropriate business practice from this same company. I receive a ton of e-mail spam from another of their brands ( XXXX ) at my work e-mail. I do n't believe I have ever provided my work e-mail address to this company so these two things may be unrelated. The common link is same company with multiple inappropriate business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (Home equity loan or line of credit) with TFLC Trust (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am XXXX years oldBorrowed mortgage money XXXX on my homestead home to start a business in XXXX. 
Made interest only payment, timely of XXXX. 
I am going to pay off the mortgage and now the lender has added XXXX in fees. 
Accrued Interest Thru XXXX XXXX, XXXX XXXXMortgage Satisfaction XXXX. 
Deferred Loan Origination Fee XXXX. 
Deferred Processing Fee XXXXPrepayment Fee XXXX. 
Payoff/Profesional XXXX. 
Wire Fee XXXX. 
Loan Administration Fee XXXXEscrow Fee XXXXI thought I would have to pay up to XXXX in fees but these seam to be totally beyond fairI want an opinion whether these fees are legal

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The Debt Reported from XXXX XXXX is n't the original debt. its not the proper creditor name nor is the dates correct made by enhance recovery and they used a new date to force to collect from me. the debt is paid to date, I want a full removal of this debt because of false reporting of information to attempt to collect a debt. I want it sent to all three bureau for removal ASPAP! they are to provide all Original Documents!!!!!!!!!!! of proof of dates!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Greetings, I have been trying to get a loan modification for the past 5 years. I have tried to work with lawyers and the bank. The bank was mailed a check in XXXX of 2010 and they returned it. I called and offered them XXXX in a cash wire transfer and they refused and hung up the phone. Not just once, but twice!! They got a payout from taxpayers to save their businesses when I did not. Is n't anyone going to stand up to these thieves. They lost my paperwork and I have been fighting them in court for the past several years. I saved MY hard earned money to put down XXXX % for my house. I built it. They do n't care but it 's my last investment. I DEMAND that they follow the law and give me the home loan modification. 

Chase bank needs to be held accountable. If I went down the street and stole a purse, I would be in jail. Chase bank gets to pay a fine and business as usual. 
I will be contacting my Congressman. I vote. I mean it. I 've had it and so have the rest of the American people. 
I want that home loan modification that I deserve today! 

Thank you for your time and attention. At least we have this agency to stand up for what is right. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: US Bank did not deposit my payroll into my account. I have not made any changes to account or payroll. I was told by Bank that because they reclassified my account to a checking account from a savings account that they closed that they did not accept payroll for the first time in 10 months 2 times a month and that they would not be able to deposit my funds for XXXX days.

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 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed an XXXX credit card with Transunion on XX/XX/2016 that officially XXXX is reporting as being charged off. they have sent me back an updated report stating that XXXX verified it. 

I have send them a new letter requesting how did they verify this. How could they have verified it if after multiple attempts to get XXXX to send me proof they were not able to send me any proof that this account has anything to do with me. 

Transunion has meanwhile ignored my letter and is still reporting this inaccurate information on my report. 

I request that Transunion send me proof of how they verified it. just speaking to an XXXX repesentive that looks on computer screen is not enough. 

I request to get either a copy of contract, settlement or some other proof that this account is anyhow related to me. if they verified it by telephone, I request the NAME and direct extension of the XXXX Representative and what proof the Representative said they have that this information is accurate. 

this is my final attempt to settle this dispute out of court. If i do n't get proof of how Transunion verified this account and Transunion will still keep on reporting this inaccurate info on my report, I will sue them in court for violating my rights under the FCRA and for financial loss because of their violating the law

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 07-01-2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: Pnc bank did not utilize my overdraft protection when a check that I wrote to my daycare posted to my account on XXXX/XXXX/16. Even though I had enough in my overdraft account the check was returned. I was charged {$36.00} by PNC for NSF. I had to pay {$35.00} to my daycares bank for the check being returned and {$13.00} to my daycare because they also have a return check fee. PNC only refunded the {$36.00} that they charged me. I requested the additional fees be refunded but they never paid me back for the {$35.00} and {$13.00} fees. I am attaching statements for my checking account and overdraft account. The last page will show my daily balance on XXXX/XXXX/16 which will prove there was enough money to pay that check. The {$35.00} and {$13.00} were both processed as checks so pnc should be able to view and verify that I was charged those additional fees. I am confident that this was a banking error and need help getting a refund for these additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CIT BANK, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have discovered and notified OneWest Bank pursuant to XXXX XXXX XXXX, that the Assignment of Mortgage on my loan was was robo-signed by serial robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. I also requested OneWest Bank to investigate pursuant to XXXX XXXX XXXX. OneWest Bank has failed to respond and acknowledge the robo-signed Assignment of Mortgage that they are attempting to use in a foreclosure proceeding.

Company response to consumer: Closed
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Phoenix Financial Services LLC (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Company received my information without my consent. My information was reported without my consent per HIPPA. It is against the law to release my information per HIPPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation