milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with a bank where I was experiences mistakes in handling of my escroe things. I have filed a complaint here about that and the bank just continued it until it was closed with no resolution. I found a bank that would refi, did so and did much better however again with escroe- the old bank after being paid in full, notated account paid in full, XXXX balance for almost 2 weeks responded to my inquiry about returning to me my escroe balance which was XXXX, sent me a confirmation message that the XXXX would be sent in 15 days. So I waited and when not receiving it I contacted them again. This time they balance had changed and they show a lesser amount being sent to me while maintaining XXXX dollars on the account which is still open. I inquired about why they kept the XXXX and they say for the PMI which was paid in arrears. I have batted this back and forth with messages to them which is no different than I had to do when they made mistakes in my escroe before. They tell me I owe XXXX for a PMI payment although the last PMI payment was posted XXXX the pay off XXXX showing all was paid the account shows paid in full in capital letter and XXXX balance. Yet with nothing showing to be owed on the account they kept XXXX and by the way XXXX was the PMI payment not XXXX. The PMI does not renew until XXXX and is paid yearly not monthly so I do not understand how they can charge me anything when the account clearly shows paid in full, XXXX balance and that my PMI posted in XXXX was paid in the settlement. Even today this morning of XXXX/XXXX/2016 there is a credit escroe balance of what they kept, the account does not appear closed yet shows paid in full with this credit. You can tell me I owe something until the cows come home but if the account shows paid in full XXXX balance how can you keep any of my funds? This is just one of many problems I have had with Wells Fargo Mortgage. Its just not right and they should not be allowed to just do things with peoples money especially when their own records indicate no evidence for their actions. I have refinanced with another company and was treated much better but its not fair to take someones money without being able to show you owe it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Debt collection (Medical) with Finance System of Toledo, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted this company via us mail requested verification of debt. I also filed a claim against this company for failing to provided the verification of the debt and the account that they are reporting. They responded by sending an statement but failing to provide other proof as I requested. I requested for them to provide 1 ) What the money they say I owed was for. 2 ) The original creditor and how the amount was calculated. 3 ) Proof that they were assigned to the debt or owns the debt. 4 ) Proof that the statue of limitations are not expiredAdditionally, when I spoke on the phone with a XXXX XXXX that represents the company, he refused to allow me to make arrangements and threaten to take me to court over the amount that I owe. He told me that he would not accept anything less than XXXX regardless of my financial hardships which was not his concern. I spoke with him at my job which is a recorded line to prove his conversation. 
This statement that was sent to me via mail is not enough information to verify their claim. Attached is copies of what they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with F & S Financial Marketing, Inc. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I am a cosigner on a car that is up for repossesion. The financial institution ( FNS financial ) is calling me three times a day, threatening to file a criminal warrant against me for non payment. They are calling my job, I have advised them I do not have the money. They are continuously harassing me. This is a civil problem, not a criminal problem, and calling me three times a day is n't going to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit card () with SYNCHRONY FINANCIAL (AL).
Issue: Payoff process

Complaint: Synchrony Bank changed minimum payments to ensure the promotional balance was never payed in due time. Then they back charged 29.99 % interest. Also, when you enroll in Ebill/Autopay you do not automatically receive notifications, these are hidden in other tabs. This cost me {$3000.00}. If you enroll for minimum payments you will be hit with interest. They claim it is their computer that sets the rates etc. They are using predatory practices and deceptive payments to collect unreasonable interest rates. Do not EVER do business with this company.

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 03-05-2018 about Debt collection (Credit card debt) with Machol & Johannes, LLC (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: They sent me a letter stating they have a judgment against me in a letter and it says to call them to set up payment plan. I was never served nor have I gotten any paperwork from a court. They are using this letter as a threat and that's how we took it. We got the letter on XX/XX/2018 amount XXXX and they said the cost for post judgment cost as well. File XXXX. Says in letter through XXXX court.

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 11/24/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The Following Agency is not bonded in FL and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed. 

Commonwealth Financial XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I have been having issues with Chase Bank regarding my Mortgage modification. 
When I started with Chase my home was about to go into foreclosure and that was the only company that would take my account and give me a mortgage. I had just bought a new house with a 7.25 % interest rate. But when I went to refinance with chase to keep my first home out of foreclosure a few months later they gave me a rate at 15.25 % XXXX The original rate for that house was 8.5 % ). Yes I was late from time to time but I always paid more than the monthly payments and late fees. I am retired now and my income has decreased so I have been trying to work on a modification with Chase for a lower interest rate. I have been repeatedly contacting Chase and they are always telling me we just need this one more piece of information each time I call, and I am never really given a straight answer when I ask where the equity in my house went. I have been paying on this loan for XXXX years. The house is only worth XXXX and I have paid almost XXXX the amount of the original cost of the house at the time of purchase. I have to admit that over the years I never stopped to take the time to look at my bills. Now that I 'm retired and on a fixed income I 've noticed discrepancies in my bills and have questions I should have asked years ago. My original mortgage was released to Chase XX/XX/1999. It is still not clear to me how my interest rate would jump from 8.5 to 15.25 %. It also does n't seem right for my balance to be the same every month after each payment. The modification that they are taking so long to answer about will add another 66 years to the loan. I just want someone to look at why they are giving me a run around about my modification. I apparently have a subprime loan, and I am trying to get out of it. They keep suggesting a quick sale but after XXXX years of paying on this house the thought of giving up is disheartening. My monthly payment is XXXX a month I pay XXXX and only XXXX goes toward the Principal XXXX goes to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My bank HSBC has raised my fixed monthly mortgage payments over XXXX per month again without explanation. Fixed mortgage.Only thing I could get out of the many many phone reps i spoke to is my taxes and hazard insurance has gone up that much. NOT true-Increases amount to a few XXXX per anum total. I sent them ins & tax copies as I received from my brokers.HSBC left New York and I can no longer communicate face to face.When I paid the amount I had been paying every month they sent me a threatening collection letter demanding what they claimed I must pay.I filed same complaint vs. HSBC about a year or two ago and bank was forced to change my monthly billing back to correct amount. It 's extortion, I 'm a XXXX by the way but am helpless here.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: the information that appear on my credit report was identity theft not belong to me. According to the law it should be remove completely your investigation is not complete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: on XXXX XXXX 2014 i maid a contract with XXXX company for lawn service and we agree to cancel contract any time with no penalty for cancellation ( iam sending you copy of contract ) for my house thy promise my in XXXX to XXXX mounts everything will be green. After XXXX mounts my lawn was getting ugly and worstI called to company and spoke with XXXX to cancel contract he told me give us XXXX more chance and i will com to your house personally see WATS going on he never came and thy continue charge and take money from my credit card on i called again and cancel my contract and i told them i am not happy with service and i do n't want to your workers com to my property no one deed not came for service after XXXX and thy continue charging my credit cardI called my credit card company and stop the payments and dispute the charges credit company send them request and no answer from them and refund my money XXXX for the XXXX time services witch i never receivedAfter that thy start abusing me with tel calls and letters and some collection agencies {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with Alliance Data Card Services (TX).
Issue: Closing/Cancelling account

Complaint: Comenity Bank approved a XXXX card for me on XXXX/XXXX/XXXX. I received a credit bureau notification the they account was closed on XXXX/XXXX/XXXX. Both the online and voice status of the account indicated that the account was active. I called the bank again and spoke with a bank agent. They told me the account was closed and tried to help me find out why. They said it was a based on a recent credit pull that show a lot of credit inquiries? They would not say what they meant by a lot of credit inquiries. They said a letter was being sent. I finally received the letter from Comenity Bank and it said it was closed due to too many credit inquiries. The credit bureau referenced was different from the one that they pull to approve the account. When I received the card from them, there was no disclosure to what credit score or bureau was used to approve my account and determine the account APR. I have many other accounts with the bank with XXXX late payment history. I have a 3 year good payment history with the bank. In fact I have always paid any account balance in full upon receiving a statement from them. I had already made numerous payments on this account. They should not have approved the account to begin with if

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Chase mortgage has committed multiple infractions of law while servicing my mortgage recently to include UDAAP violations, FCRA violations, violated bankruptcy laws, and FDCPA violations. Chase has re-analyzed my escrow account 3 times in XX/XX/XXXX which caused a 30 % increase in my payment in a 6 month period and did not provide at least XXXX notice of the payment change. The explanation given to me initially was that RESPA required Chase to perform the new analysis whenever the disbursed funds from my escrow account. It seems that Chase re-analyzes accounts whenever they disburse funds greater than projected to protect there pocketbook rather than consider the negative impact on the customer by constantly changing their payment with insufficient notice. Chase also reported my mortgage ( XXXX in Chapter XXXX bankruptcy in XX/XX/XXXX ) to the credit bureaus as an open personal obligation and has gone as far as to verbally confirm that same information to a credit company obtaining information in connection with financing I am trying to secure as well as stated directly to me that I owed a monthly payment on the loan. I have been harmed by these actions by being charged a higher interest rate and fees on a refinance I am trying to secure to escape the abusive practices of Chase which very easily could result in multiple class action lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: In my USPS delivery on XXXX XXXX, XXXX I received two unsolicited letters from Synchrony Bank XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. They are almost identical. They both start " Thank you for your recent credit application with ... '' One continues with " XXXX XXXX XXXX '', the other with " Lowe 's. '' Thy direct me to call their office at XXXX XXXX XXXX XXXX. 
The problem is there were no recent credit applications originated by me or any one in my household. I 'm XXXX XXXX XXXX and have never shopped at XXXX XXXX-I 'm not the right demographic! 
This is more than an unwanted credit offer, by implying I originated an application, it is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2017 about Credit card () with CITIBANK, N.A. (SC).
Issue: Closing/Cancelling account

Complaint: CitiCard credit card closes inactive credit card accounts without advance notice, damaging consumers ' credit ratings. 

My wife and I have been a Citi AAdvantage cardholders for more than five years. Last XXXX CitiCard arbitrarily cancelled my account with no advance notice. I called immediately, and the representative cited account inactivity as the reason. I asked the representative to reactivate my account, but he insisted that I would need to apply for a new card. Worse, the new application would require pulling a credit report. This week CitiGroup did the same thing to my wife, giving the same excuse and requiring her to apply for a new card. 

CitiGroup 's arbitrary no-notice cancelation practice impairs consumer credit ratings in multiple ways : It increases credit utilization. I had earned a {$50000.00} Citi AAdvantage credit line, and my wife {$19000.00}, so the impact was significant. 
Requiring a new card instead of reactivating the prior account reduces the average length of time cardholder accounts have been open. 
Pulling a credit report further depresses a consumer 's credit rating. 

Over five decades as credit card holders, my wife and I have never missed a payment. We have earned stellar XXXX credit scores. We use auto-pay, so CitiCard incurs no statement printing or mailing costs for our accounts. What does CitiCard gain by terminating and alienating us? 

CitiCard has our e-mail address, snail-mail address and phone number. Why not contact us before canceling our cards instead of afterward?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: To Whom It May Concern, On or around XXXX XXXX, 2016, I received a debt collection notice from MRS Associates of New Jersey alleging I owed {$250.00}. An amount they claim was incurred from a XXXX XXXX account. MRS Associates proceeded to furnish this negative information to the XXXX major credit reporting bureau, XXXX, on or around XXXX XXXX, 2016. On XXXX XXXX, less than 30 days after receiving notice from MRS Associates , I sent a notice of dispute and request for validation, pursuant to the Fair Debt Collection Practices Act and the Fair Credit Report Act, via U.S XXXX Postal Service Certified Mail with return receipt. On or around XXXX XXXX, 2016 MRS Associate 's employee received my notice of dispute and validation. 
I continue to dispute the validity of the claim of debt from MRS Associates, as I have no knowledge of the account referenced in MRS Associates ' notice. I requested that MRS Associates substantiate their claim of debt by providing me with ; statements of the account, the name and address of the original creditor, and proof that MRS Associates is authorized to collect on behalf of XXXX. On or around XXXX XXXX, 2016, MRS Associates sent me insufficient validation, validation which does not substantiate their claim of debt. 
I request that MRS Associates remove all negative tradelines furnished to any credit reporting bureau and cease all collection activities until such a time validation of debt is received that properly substantiates their claim of debt. I will not consider this debt valid until I receive statements of the account, the name and address of the original creditor, and proof that MRS Associates is authorized to collect on behalf of XXXX. No person should be subjected to debt collection from companies not willing to substantiate their claims of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted each individual creditor only to be told that they can not assist me in getting this off. I explained to them that I did not initiate a request for credit and that by law they should not access my credit without my consent. They went on to say that I will need proof that I did n't initiate the request. I have tried consistently to work with them and to no avail they just ignored me or told me that they can not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-05-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Unauthorized transactions or other transaction problem

Complaint: I have hundreds of dollars of charges on my credit card from Venmo ( a digital wallet company ). I had never heard of Venmo. The charges are not mine. 

I called Venmo at XXXX XXXX XXXX XXXX. They would not help me at all, and said I should contact my credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: EXPERIAN Investigation Results XXXX XXXX : XXXX Student Loans Credit Reporting CFPB Complaint Number XXXX Dear CFPB and Federal Reserve : Per results of the investigation initiated via CFPB web portal. The results of EXPERIAN investigation concluded nothing and response was not provided with CFPB complaint number. 
EXPERIAN continues ongoing disrespect and disregard for the Fair Credit Reporting Act, consumer protection, CFPB regulation of consumer reports, examination and compliance. 

Due to EXPERIAN willful non compliance. The CFPB dispute resolution process was not fulfilled. 
EXPERIAN may lose XXXX dollars as a result of continued non compliance and boycott of this agency by consumer creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems when you are unable to pay

Complaint: i called TD Auto to try to have a payment ( XXXX XXXX, 2015 ) skipped for a hardship. I am having XXXX on Wednesday XXXX/XXXX/15 on my XXXX and have to apply for state XXXX. I was denied the extension because i could not provide a date that i would have the funds from XXXX to make a payment. I just found out yesterday that i was having XXXX on my XXXX. I see the doctor again on Tuesday, XXXX/XXXX/15 and will give him the XXXX paperwork to complete, then my employer has to complete it. After my employer completes the paperwork it is sent to the state and the will process it " within a few weeks ''. My car payment is due on XXXX/XXXX/15 and i was asking to skip that payment until my XXXX starts. Unless i can provide TD auto with an exact date I am going to be paid XXXX the payment can not be skipped. If i find out that the XXXX will be paid on a certain date after the payment is due I can not skip the payment becaus the account is wo n't be current. this makes no sense to me. I have to have the XXXX to skip the car payment? i am asking to skip the month while waiting on XXXX. They offer hardships but do not actually provide it to the customers. I have paid them ontime for over XXXX years now when i need some help i am denied over the phone and they cant even provide me with a writen notice of the denial. I told them that i can provide documentation that i will be out of work from my doctor but all they care about is when will my next income be coming in. I was on hold for over XXXX minutes after talking to XXXX XXXX at TD Auto to be told i dont qualify. XXXX years of ontime payments and XXXX does not qualify someone to have a payment skipped for a hardship, i dont what would qualify

Company response to consumer: Closed with non-monetary relief