milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I am having problems with my escrow account. The county overcharged for property taxes at the beginning of the year and Roundpoint paid the overage. As soon as I found out about the error in XX/XX/XXXX, I got a refund from the county and sent it to the mortgage company, which they added to the escrow account. The amount was the difference from which they would normally pay for my yearly taxes. Roundpoint then increased my payment by approx {$700.00} beginning in XX/XX/XXXX. I filed all the supporting documents and received email confirmation from them on XX/XX/XXXX. I was informed that it would take 30 days to investigate and correct the error. I called on XX/XX/XXXX to find out what the resolution was, and I was told that it was not done and to call back on the XX/XX/XXXX. I called back on the XX/XX/XXXX and was told they were not done and I was to call back the following day. I have called 4 times since then receiving assurances that emails were sent to escalate the case and I was even told that on XX/XX/XXXX that I would be receiving a call back from the supervisor, that never happened. I am constantly told by customer service that there is not a supervisor to talk to and that I have to wait for them to contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A tax lien from the state of Georgia was reported on XXXX/XXXX/XXXX for the amount of {$1200.00}. I made payment arrangements with them and it was released XXXX/XXXX/XXXX. According to the credit reporting agencies the lien should have fallen off 7 years from the original report date ( XXXX/XXXX/XXXX ). It has not come off of my credit report. I have tried to dispute it with the credit agencies and was told to speak to the state of Georgia. I spoke with them and they told me to speak with the credit reporting agencies. It has run it 's course and I would like for it to be removed from my credit report with all three agencies please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I sent XXXX XXXX XXXX the letter below on XX/XX/XXXX. They received it on XX/XX/XXXX. It is now XX/XX/XXXX. I have yet to hear from them. They have yet to answer and it is already past the 30 day limit.
From : XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, Mo XXXX  XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX In regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, and Executor on behalf of the XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary document.
FXXXX XXXX XXXX, must herein provide a true and certified copy of the complete audit trail of said account. Furthermore, in order for XXXX XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p, i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also need a copy of your Tax Registration certificate!
Failure to substantiate the claim, please settle account immediately within the next thirty days.
Sincerely, XXXX XXXX XXXX Executor of the Estate

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been informed that negative information was reporting on my credit report by a collection agency with the name CMRE. I contacted this company by certified mail twice. on  XXXX / XXXX /   2017  &  XXXX   XXXX ,    2017  to get validation of debt amount owed. This company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through th e USPS  that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since. This company states I owe  XXXX  $ but I will not pay this collection agency any of my money without validation. This company have not contacted any of the credit bureaus to mark my account and disputed which now they are violation of Fair Debt Collection Practices Act &  Protection under the FCRA Section 623.    I need this to be removed from my credit report due to this inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Paypal took {$5000.00} from my available balance in my business account and set it aside as a " reserve '' fund. They said this was done because my business is new and it would alleviate the risk of potential customer charge backs. They said this money would be held for 90 days and would be released on XX/XX/XXXX. I have reached out on 4 different occasions after XX/XX/XXXX to try to have my money released and no one at any department on their customer service line can help me reach a resolution. The reps always tell me that they will submit a request to the back office to have the funds released and I will get them back in 24-48 hours or I will receiver an email explain why my request was denied. I have not received any emails regarding my issue and the money is still being held. I can not reach anyone at the company to escalate my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2017 about Debt collection (I do not know) with CITIBANK, N.A. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting repeated calls from  XXXX . When I tried to return the call, I could not understand the person who answered. I believe these people calling are trying to rip people off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: I was given incorrect information about payment allocation by several representatives. I have a credit card with Bank of America I was told that payments would go to the promotional rate ending the soonest. The way their statements are set up do not allow to see where payments are allocated. I made a {$1500.00} payment based on that information. I was not until the promotional rate ended that I saw that all my payments were applied to a different balance. I called to dispute this and was again given incorrect information I asked for an explanations on why then I was being charged interest and upon further research that information was incorrect. That all my payments were put on the promo rate ending later because it was a cash advance. I asked again why after several calls I was not told this and I was told it was a mistake. The rep told me to go to the nearest branch and talk to a manager and they would be able to help. Talked to her and she told me to wait for her to do research. Waited for XXXX weeks she called me back and said that they were aware they made a mistake and would refund me the interest and allocate the right amounts. This did not happen when calling I was told it was a XXXX time credit and I was responsible for the remaining balance on the nearest ending promo rate. That they would not allocate my payment to this balance regardless of any previous information I was given. I do n't really know what else to do since I would have never ever made a payment that big if I knew it would not be allocated to the balance ending the soonest. The way the statement is set up I had absolutely no clue where my payments where going. I feel completely ripped off and feel cheated. I ca n't believe that so many people would give me incorrect information and find their statements be so misleading. The gave me not any other really recourses. I 'm not asking for a refund just for them to do what I was told would happen on several calls and by a branch manager. I believe that any information given to a consumer should be accurate since its money that we are talking about. I have held my end by always making my payments on time and calling to inquire when I have a question. Their only responsibility to provide accurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Declared chapter XXXX bankruptcy. Still receive collection calls from this number. I asked for proof of debt. They have refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I Found a new collection on my credit report today from XXXX XXXX I do not have a account With them also did not authorize anyone to open a account with them or any fraudulent account that may have been opened in my name. I am a victim pf Fraud also a security breach. This is not my account .I was given a account opened XX/XX/2017 by XXXX XXXX of {$350.00}, I already have fraud alerts on my credit report which have been in place.I advised the rep this is fraud and I need this removed from all 3 credit bureaus within the next 5 days. Information he verified wasn't accurate. I have no kcontract with this company. I also have a theft report with the ftc

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 03/22/2018 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (NJ).
Issue: Trouble during payment process

Complaint: My FHA original mortgage balance ( and based on my amortization schedule ) reached below the 78 % LTV over 5 months ago ( XX/XX/2017 ). Although I have met all requirements under HPA and FHA guidelines, my mortgage service company ( HomeBridge Financial Services ) has continued to collect PMI. In XX/XX/2017 I also received a letter stating the PMI would be cancelled due to the requirements being met. Having attempted to contact them on several coactions, beginning the end of XXXX, I was informed that it was my responsibility to inform them of this fact along with a requirement for me to email their PMI department at XXXX. I informed them of their lender responsibilities to automatically remove the PMI payment once the principle balance had reached 78 % of the original loan amount and demanded they cease billing of the PMI on future bills/payments along with a refund of the PMI payments paid plus interest on those funds. Since the initial telephone call and conversation, I have attempted to resolve this issue four more times without success. At this point I am having extreme difficulty gaining assistance and am continuing to be billed for the PMI payments. Any assistance would be greatly appreciated.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/19/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Jefferson Capital System a ppeared on my credit report after the original creditor  XXXX   XXXX  deleted the account after several letters of dispute. I have never owned a  XXXX   XXXX  account. I believe after the original creditor deleted the account from my credit report the account was sold to  Jefferson Capital to try and recover. Jefferson Capital never notified me in writing of  this account after the original creditor deleted the account from credit. report. This account does't belong to me and I would like it deleted from all my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
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: I have student loans and they were defaulted because of a car wreck I was in. My family and I were hit by a drunk driver, resulting in a death of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid  9  consecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised.     There shows  one  loan  that Navient has told  me would be removed and it has yet to be removed I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: XXXX neglected to adequately investigate my claim regarding inaccurate information on my c edit report from XXXX collection and data collection and credit protection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: During a background check for my new employer, I was shocked to find address for my in other States that I have NEVER resided. I immediately notified each credit bureau and had a fraud alert placed on my Social Security Number. In addition, I have repeatedly disputed the following inquiries and nothing has been done. Additionally, I only request credit for myself under XXXX XXXX XXXX and that should be the only name on my record. I would appreciate the removal of the following hard inquiries on my credit file : 1. XX/XX/XXXX XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX 3. XX/XX/XXXX XXXX XXXX 4. XX/XX/XXXX XXXX 5. XX/XX/XXXX XXXX 6. XX/XX/XXXX XXXX 7. XX/XX/XXXX XXXX XXXX 8. XX/XX/XXXX XXXX XXXX 9. XX/XX/XXXX XXXX 10. XX/XX/XXXX XXXX 11. XX/XX/XXXX XXXX 12. XX/XX/XXXX XXXX XXXX 13. XX/XX/XXXX XXXX 14. XX/XX/XXXX XXXX 15. XX/XX/XXXX 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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a private loan through Sallie Mae, now XXXX. I acquired the loan for my semester starting XX/XX/2010. They lied, from the very beginning and being a young and impressionable kid, I did n't know any better. They told me my variable loan would n't go above 6.9 % interest when i signed, it is now at 10.25 %. ( I now understand the difference between fixed and variable ) I tried to get my co-signer released multiple times, and was told at least 2 of those times they " had n't received my fax in regards to my income/XXXX etc. when i had the fax confirmation etc. ) Just overall constant run arounds with their services. I called 2 years ago asking for an income based repayment plan or interest rate reduction because it was at 9 % then and got bounced around multiple times, was told to call back in 2 weeks so they could " get things in order, in regards to my finances etc. '' I called back in 2 weeks, that person, XXXX i think? switched departments, I then had to go over my whole situation again, although I only got halfway through when the customer service agent cut me off mid sentence saying " Well your mother is a co-signer, you should just let her pay. '' I was never so irate or upset, and had n't called back for a year after. Tried to get her released again a year later, submitted XXXX 's etc., got the fax confirmation, I know it was the right number, etc. and they still tried to give me the line " they had n't received it ''. I 've been waiting for a lawsuit with this loan service and my prayers have hopefully been answered.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (MI).
Issue: Managing the loan or lease

Complaint: I had an auto loan with regional acceptance corporation. The account was charged off and included in my bankruptcy. However the account is now 7 years old as reported my first late being XXXX 2009. After several attempts you contacted regional acceptance. I received a reply that they would remove four months of reporting charge off after my bankruptcy was filed. However I was then told that my first late on this account does n't count towards the seven years because I then became current before becoming late again. I am only allowed to speak with there bankruptcy department when I call and was told do what I need to do they were n't updating my credit report. I received a letter from XXXX XXXX. The bankruptcy department states she does n't work in bankruptcy or credit reporting so they do n't know why she sent me a letter. This account is over 7 years old and by law is to be taken off of my credit report. Everytime I call I am directed to bankruptcy department. That is all I am able to speak with and they tell me to do what I have to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Consumer Loan (Title loan) with TMX Finance LLC (TX).
Issue: Charged fees or interest I didn't expect

Complaint: Today, I went to pay on a title loan that I got a year ago. The loan was for {$3500.00} and I have paid back approximately {$2600.00} with most going to high interest rates and fees. I still owe {$2000.00}. I was informed that the location that I initially received my loan from was no longer able to " finance '' me because the amount I owe is over the {$1300.00} they were able to loan. I was never given any notice regarding this change when I made my XXXX payment. Also, now I 'm very surprised because according to Title Max 's website they have this disclaimer regarding max lending as {$1300.00}. This has me very confused as to why they continued with my loan and allowing me to make payments knowing their max lending is {$1300.00}. I have paid on time and extra when I am able to so that I can be done with this loan. The customer representative there then informs me that since I still owe over the max allowed for their location, my loan was going to be transferred to another location outside of XXXX XXXX ordinances. The closest to me is in XXXX XXXX and I was informed that their rates are higher and therefore I would now have to pay {$390.00} a month at that location with very little of the payment going towards the principle. At this rate, I will pay more than what the car is worth for this rip off of a loan. The representative then informs me that if I want to keep the loan at the current location I will have to pay the difference of what I owe and their maximum lending amount, roughly {$740.00} plus my XXXX payment. Of course, I am not financially prepared for this because I have the documents for my XXXX payment which I was going to pay {$170.00}. I was offered an extension up to XXXX XXXX because I asked if I could get XXXX. I get paid XXXX a month and therefore I am on a very tight budget. Now I will have to pay additional fees plus the XXXX payment and {$740.00}. Title Max would not accept my XXXX payment because of those " changes. '' I will be in a financial bind because of these unexpected changes that I believe had every right as a consumer to be fully informed before the date of my XXXX payment. I believe these changes are fraudulent considering Title Max was fully aware of their lending policies. I am meeting my end of the contract paying excessive fees and interest rates. Title Max has violated these terms by not fully disclosing their policy and thus violating me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I attempted twice to get my free annual credit report from XXXX, Transunion and XXXX on Sunday, XXXX XXXX from the XXXX government approved site XXXX. Both times I received a notice that I was unable to get a copy of this report.

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