milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2016 about Consumer Loan (Title loan) with TFC Group, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I now owe more than my original loan even though I have paid thousands towards it. I am now 60 days past due. They are calling third parties asking them to about my whereabouts and telling third parties about my financial situation. They have also harassed me with a false phone call from a police officer stating that I am to either make a payment or return the car. They call the same third parties multiple times which most are complaining that these calls are harassing. The creditor states that they have every right to make these calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (Reverse mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Rushmore Loan Management Services, LLC XXXX, CA XXXX My aunt and uncle ( deceased ) had a reverse mortgage that was serviced by a company called XXXX. My uncle died in XXXX. His wife could not afford to maintain their home nor afford to pay insurance and taxes on the home. In XX/XX/XXXX, she sent by certified mail return receipt requested, a letter to XXXX with a copy of the death certificate stating her situation and requesting that HUD take back the home. In XX/XX/XXXX, she had not heard anything from XXXX and called them. They told her that they had received the death certificate but did not have any record of the letter turning the home over to HUD. She again sent a copy of the first letter to XXXX by certified mail return receipt requested. At that point she washed her hands of the situation. She cancelled the utilities and quit paying for insurance and taxes. The home has now been vacant for over two years. On Friday, XX/XX/XXXX, she receives a certified letter from an attorney 's office hired by your company stating that they intent to accelerate the note if she does not pay {$110000.00} plus other fees. After getting the attorney 's office a letter of authorization to talk to them from my aunt, I was told that the file had been closed. 
My aunt is elderly. She does not need this kind of XXXX. She did what was required two years ago. 
My question to you is " What the XXXX is Going On? ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Billing disputes

Complaint: I am filing this complaint on Chase Cardmember Service regarding their handling of a fraudulent charge on my visa credit card. On XX/XX/XXXX, on our way back from XXXX, XXXX to the US, my friend and I took a local taxi ( merchant name : XXXX XXXX ) from our hotel ( XXXX ) to XXXX XXXX Airport for a flat rate of XXXX ( {$67.00} ). After back in the US and on XX/XX/XXXX, I noticed on my credit card account there was also a charge of {$310.00} from the same taxi company for the same day service. I immediately contacted Chase and disputed that charge. On XX/XX/XXXX, Chase sent me a letter acknowledged my dispute ( case XXXX XXXX ) and with that letter Chase also included a copy of both taxi charges ' meter printout receipts. After close examination of both receipts, I noticed the followings : ( 1 ) For the {$67.00} charge, the XXXX XXXX meter printout has a time stamp of " XXXX XXXX/XXXX/XXXX A XXXX '', and, for the {$310.00} charge, a XXXX XXXX meter printout has a time stamp of " XXXX XX/XX/XXXX A XXXX ''. That is, the XXXX taxi arrived at its destination 48 seconds before my taxi 's arrival at the airport! ( 2 ) The XXXX receipt has an identical - in both shape and size - of the signature I signed for my actual XXXX taxi receipt, i.e., they copied my signature onto the XXXX receipt! Based on those XXXX facts, the XXXX receipt is clearly fraudulent! When I received a letter from Chase Cardmember Service dated XX/XX/XXXX which stated that they considered the XXXX charge valid, I sent them a letter on XX/XX/XXXX pointed out the above XXXX facts, along with additional documents ( my hotel reservation and checkout receipts, my taxi driver 's hand written XXXX receipt ) as well as additional data ( distance from the hotel to the airport which could only resulted in the XXXX flat rate charge ). I have now received another letter dated XXXX/XXXX/XXXX from the same Chase office stating " Our latest review confirmed our previous findings that the charge is valid because we are unable to support that a billing error has occurred on your account. '' But the fact is this charge was not an error, rather a fraudulent act! That Chase letter also suggested that " We encourage you to contact the merchant directly for a more favorable outcome. '' I did contact the merchant via email on XX/XX/XXXX and, after received an email reply next day from XXXX XXXX of the taxi company and per his/her request, I emailed them a copy of my XXXX receipts ( both the meter printout and the driver 's hand-written one ) and a copy of the XXXX charge on my billing account. On XX/XX/XXXX, XXXX XXXX of the taxi company emailed me back stating " We 've got all the information to check, so we will inform you as soon as possible. '' As of today, XX/XX/XXXX, I still have not heard anything further from the taxi company -- another sign of the fraudulent act by the company!

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: Hello I cald trans union about inquiry issues on my report an the customer service sed the ca n't help me delete this items after that the hung up the phone

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 07-05-2016 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: I was harrassed by calls from representatives of 5th 3rd bank about my auto loan payment. I made the payment and they still called me. I told them it would n't show up in their system b/c it was over a holiday and a Sunday but they still asked me why do n't you pay your bills on time. This was the second to last payment on a car loan that I paid on time every month except this XXXX I simply forgot. I asked them to stop calling and they refused. The representative 's name was XXXX and her supervisor was XXXX XXXX - XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This is a serious problem for me and the second time I had a dispute regarding unauthorized use of my credit repot from XXXX. Last year someone opened a credit card in my name from XXXX XXXX. I am working very diligently to repaid my credit after a bankruptcy in XX/XX/XXXX. On XX/XX/XXXX XXXX did a hard inquiry on Experian. I do not know if its on XXXX XXXX or XXXX. I contacted XXXX and they do not have any info regarding an inquiry. Experian will not look into it stating they can not remove information. So that 's it?? these reporting companies can make their own rules and add info to your reports that affect your life. I have attached correspondence.

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 05/18/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (KS).
Issue: Incorrect information on your report

Complaint: I have a mortgage w ith Ocwen. T o begin with, they appraised my house about {$30000.00} more than it is appraised at today. In  XXXX , I have a balloon payment of {$50000.00} which I do not have. I am trying to refinance with another lender. For a VHA loan, the appraisal and credit are fine but they discovered that my house could possibly be less than  300  feet from a gas station across  XXXX  he street from my home. I am currently in the process of having this surveyed. W e have also considered a convential loan but it appears that Ocwen shows I have  XXXX  late payment. I had a bankruptcy discharged in  XXXX . I paid off a second mortgage with Ocwen in   XXXX  . Although I think I have the problem solved w ith Ocwen, t hey would continually not send my payment coupon. I would call them and after talking with several different people, I convinced them that the bankruptcy had been  discharged ba ck in   XXXX  . They kept saying I had another bankruptcy in  XXXX  which is totally false. There was never any real property included in the bankruptcy. Unfortunantly this late payment report blocks getting a conventional loan. Do you have any help for this? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (Medical) with Alorica Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company continues to report this debt by passing it around to shadow companies they own. West Asset Management owns XXXX credit collections and they have resubmitted a collection to my account they removed from my credit profile. They did not send any notice or an explanation as required by law .... This is the same as this complaint with this agency. Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Credit card protection / Debt protection

Complaint: Capital one is refusing to remove a duplicate charge which has an identical amount from the same merchant. 
The merchant is XXXX and the amount is {$68.00}. See attached screenshot of account for further details. I 've spoken to them about this and they are unwilling to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I returned the equipment as requested by XXXX and the collection amount remains the same. XXXX states that they never received the equipment. However I kept a receipt from their receiving center ( XXXX contracted XXXX to receive equipment on their behalf ) where the equipment was delivered. They also can not provide a detailed bill stating why it is {$1200.00}. Most of which I am sure were not authorized by myself. Charging me for services that I did not authorize does n't make sense nor is right.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (OH).
Issue: Trouble during payment process

Complaint: When I originated this loan I requested that the escrow account be established out of convenience and it was not required. Since that time the loan was sold to SLS.  At this point I would like the escrow account to be removed and for me to be able to pay my own insurance and taxes. I have had several conversations with SLS through this process and you can see through their response, requesting for the escrow account to be removed. At first I was told that the escrow account would not be removed because my debt ration of the house was at XXXX XXXX. After being hung up on by the agent, transferred to different departments, asking for a re- appraisal to be done and submitting a request for a re-appraisal using the guidelines that I was given by their representative. I was given incorrect information and was told that the re-appraisal had to be submitted a different way. I then submitted another request for a second re- appraisal to be done on the house and followed the guidelines given and told that the re-appraisal would be done. I then requested for the escrow account to be cancelled again and was told that the escrow account would be cancelled. To ensure that the escrow account would be cancelled I hung up and called back an hour later and was told by the representative that the escrow account would be cancelled. I also called a third time just to make sure and was told a third time that the escrow account would be cancelled. At that point I contacted, my local County tax authority and Insurance Company to have me billed directly for insurance and taxes. Only to receive a letter from SLS three days later that my cancellation request was denied. I then contacted SLS to ask them why it was not cancelled and no answer was given. I again requested a re- appraisal and was told by the representative that I would receive information via mail to have the re-appraisal done. I have yet to receive that via mail and I have received SLS response that they can not remove the escrow because the debt ratio is at XXXX XXXX and they are refusing to do a re-appraisal on my house. Lastly. I would like to state that my local tax authority has re-appraised my house and has it listed at XXXX more than when originally purchased, Yet SLS refused to do a re-appraisal in the feedback. Can you please work with this company to have my house re-appraised and have the escrow account cancelled so that I may pay my taxes and my insurance myself? I have a credit score of XXXX and pay my things on time and it shows in my credit history. This company has not received one late payment from me, in fact it has all been paid in advance.

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 11-12-2017 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: Account status incorrect

Complaint: I purchased a XXXX XXXX XXXX in XX/XX/XXXX for a sale amount of {$13000.00}. As a young purchaser I was stuck with an extremely unfair interest rate when I have now paid a total of {$21000.00} for this car. During the period of XX/XX/XXXX to XX/XX/XXXX I occurred late payments and even a repression of this vehicle. In an exchange of paying {$1500.00} to get the car back. The rep agree to get repossession and late payments deleted, as well as mlve repossession fee to the back of my loan repayment. The rep fee was delayed but late payments and repo still reflect on my credit report. And it is not reporting correctly. During the time I received the late payments, I never received a bill to my address. Please contact XXXX XXXX XXXX XXXX and assist with getting what they have been report unfairly, fair. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (SC).
Issue: Trouble during payment process

Complaint: Next Disbursement Due Amount for my county  taxes is listed at {$2600.00}.   Sent documentation to  MyLoanCare on   XXXX / XXXX /  XXXX   to reflect the new amount of {$660.00}. However, the company still has not made the change. I have called to followup every business day since  XXXX . I 've been hung up on several times and have asked to talk to a supervisor but never get transferred to  one.    This amount is making my escrow payment close to {$400.00} per month higher.

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 09-06-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX is claiming that I owe them a balance of {$490.00} from services that I had in XXXX XXXX before a move to XXXX XXXX. My services were transferred to my new address, not stopped, thus any remaining balance was transferred and service would not have been continued with such a large payment owed. I was contacted by a collection agency about this supposed debt and reached out to XXXX informed me that the amount was an error because the move had not been documented properly. Still, my report was not fixed. I have filed several disputes regarding this amount in collections and it has not been resolved. I have spoken to XXXX on at least ten different occasions and have been promised the amount would be removed from Collections. It never has been. They have claimed to open investigations and given me claim numbers only for me to be told when following up on the issue, that the claim numbers were not valid. I have screenshots of chats with XXXX representatives assuring me that my debt will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (FHA mortgage) with Selene Finance LP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: There has been non disclosure and various instances of fraud. There has been illegal loan assignment and transfers. SELENE FINANCE is attempting an illegal foreclosure. I have received and NOTICE OF DEFAULT with intent to ACCELERATE. They have not answered any questions or proven they have standing to foreclose. 
Issues that Caused irreparable damages:1. Security deed has fraud on its face and is forged. 
2. Contract based on fraud due to none disclosures. 
3. Notice of default sent prior to assignment ( 2010 ) 4. XXXX XXXX was never given 30 day notice prior to the scheduled foreclosure sale5. Foreclosure Sale date set without ownership6. Assignment filed with forged document7. Assignment has fraud on its face8. Assignment appears to be robo-signed9. MERS transferred Security Deed without express written authority from owner10. MERS transferred Note without express written authority from owner11. XXXX accepted fraudulent and forge assignment and file into the public record12. XXXX stated XXXX XXXX is owner of loan/note13. XXXX XXXX has not responded to my correspondence14. I XXXX XXXX the owner of the home was forced into bankruptcy due to fraud and forgery. 
15. XXXX is servicer and according to Federal Law a servicer can not be an assignee. 
16. XXXX is currently fraudulently being paid thru XXXX XXXX existing chapter XXXX bankruptcy17. XXXX has committed perjury in XXXX XXXX chapter XXXX bankruptcy by stating they are the owner. 
18. While in litigation with XXXX and waiting for answers to my various questions XXXX abruptly and illegally transferred the loan to SELENE FINANCE. 
19. SELENE FINANCE is servicer and according to Federal Law a servicer can not be an assignee. 
20. SELENE FINANCE stated XXXX XXXX is owner of loan/note21. XXXX XXXX has stated to me verbally that they do not own any loans22. SELENE FINANCE is currently fraudulently being paid thru XXXX XXXX 's existing chapter XXXX bankruptcy23. SELENE FINANCE has committed perjury in XXXX XXXX chapter XXXX bankruptcy by stating they are the owner.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In my XXXX XXXX Credit Card XXXX, issued on XXXX XXXX, XXXX in addition to my normal purchases I found unauthorized charge for {$11.00}, showing in statement as XXXX XXXX   XXXX. I did payment of my authorized due balance and disputed this {$11.00} charge. XXXX phone agents did not accept that the charge was done by their affiliated insurance agency ( though on web there are many fraud alerts on this scheme ) and decided to replace my credit card due to fraud activity. In reply to my XXXX XX/XX/XXXX dispute I was informed that my dispute was properly accepted for processing ( I have same day email notice confirming that ) and I should pay any due amount except the disputed balance. Since I had no any overdue payment I was assuming that the issue would be properly resolved soon and new card would arrive. What was real surprise for me is receiving next statements indicating the same charges plus some other charges applied to this unauthorized charge, plus new small charge of {$0.00} form the same XXXX XXXX XXXX, dated XXXX XX/XX/XXXX. 
After XXXX months no dispute resolution notices were received from XXXX. When I called to customer support on XX/XX/XXXX the agent rejected to provide any reasonable explanation for the situation and was trying to forward me to this XXXX XXXX ( which I do not now who they are ). In fact, XXXX instead of resolving the disputed transaction is trying to protect someone's interest ( which assumably is affiliated with them XXXX and continuing applying same charges and more additional fees. After understanding this fraudulent scheme : illegal credit card add-on practices by XXXX on XXXX XX/XX/XXXX I had requested closing my account immediately. Since XXXX is non-responsive on this issue and this situation may affect many consumers I had no choice but applying to CFPB for resolution of case.

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 04/14/2016 about Consumer Loan (Installment loan) with Cottonwood Financial Ltd. (TX).
Issue: Problems when you are unable to pay

Complaint: So much time has gone by and I was to humiliated to ever talk to the lender. The default finally made it 's way to collections and the people have threatened me with criminal charges.

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