milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX ( XXXX ) made an overdraft from my checking account for my XXXX mortgage paymentin the amount of $ XXXX requested the overdraft amount of $ XXXXto be placed back into my checking account.Thisscenariocould have been easilyresolved were it not for theexistingXXXX governingletters, rules, policies andregulations. 

XXXX statement for XX/XX/2016mortgage paymentfrom XXXXstatement stated my mortgagepayment for XX/XX/2016was $ XXXX budgeted for this amount from my XX/XX/XXXX checking account.XXXX posted myMortgagePayment due on XX/XX/2016to my checking account on XXXX XXXX, 2016 for $ XXXXand theamount was paid by my bank toXXXXon XXXXwas {$840.00}. 

The amount of {$840.00} was posted as pendingto my checkingaccount on XXXX XXXX, 2016. I began calling andrequesting XX/XX/2016to havetheoverdraft amount of {$40.00} returned to my checking account. Finally, on XXXX/XXXX/2016 I was informed by a manager thatI could dispute the amount removed from my checking accountor have the overdraftamount placed on the principal of my loan. I was informedXXXX simply could not honor my request to put the {$40.00} back into my checking accountwithout a statement from my bank on letterhead stationery stating " the {$840.00} will not be returned or disputed '' and to " enclose a copy of the checktransaction from my checking account ''. My banking institution refused to write the letter, stating XXXX made the overdraft. 

The mortgage company agreed to work with me, but since mybank would not draft a letter perXXXX guidelines and specifications, I was left with the decision to eitherdispute the overdraft or the overdraft amountwouldhave tobe applied to the principal of my loan. AlthoughI budget my money to the penny each month andcould have used this money towardother fixed expenses, I agreed tohave the overdraft amount applied to the principal of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have been approved into PSLF ( Public Service Loan Forgiveness Program. My loans were moved to FedLoan.org. My employer ( of 16 years XXXX XXXX ) has been approved. I received my qualified loan payments to be XXXX. I have requested a review and specific breakdown of why so little of my payments are approved toward my loan forgiveness. I have had no response.
I have been paying in some form of income based program for my student loans for 15 years. I have been under the IBR program at least since 2013.
I have grave concern this is a way to delay my ability to apply for loan forgiveness.
I have a XXXX and XXXX degree in XXXX XXXX, I am a XXXX XXXX XXXX XXXX XXXX who has been utilizing my skills working with some of our most disenfranchised populations in the XXXX XXXX for 16 years.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX XXXX The basis for my dispute is ALLEGED balance of $ XXXX was required to notify me prior to XX/XX/XXXX, or no later than 30 days after XXXX XXXX XXXXfailed to notify me about reporting derogatory info. to XXXX, Experian In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, XXXX XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve, also XXXX XXXX 's deletion letter for all credit bureaus XXXX XXXX XXXX is held liable as well for defamation and in the state of LA a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX reh.den. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )

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 03/28/2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company called me and demanded payment for something they could n't tell me what it was for. All they could tell me was that it was from XXXX XXXX XXXX so I called the hospital and XXXX different departments ( hospital billing dept, physician services, and XXXX ) within the hospital and each department said I did n't owe anything. I called the " debt collector '' back to try and find out if this was real or a scam because all they did was call and demand payment over the phone. I asked them all 3 times I spoke with them to please send me a bill in the mail. I 've given them my address each time and I still have n't received any written notice stating what this is for and I have no idea how to find out what I 'm paying for. I ca n't get them to work with me and I do n't want to pay something I do n't owe. I 'm NEVER late or delinquent on anything I owe!! I do n't even know what bill they are asking for!! I also called my insurance company and they have nothing on record that I owe. Please Help

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 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (NJ).
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: On XXXX XXXX, 2017 I was contacted by phone by someone who claimed to be my grandson. This person said that he was under arrest and the Police would be willing to set bail, but I needed to get the money to the Police as soon as possible. I was told that I could n't tell anyone about this, including my husband, as there was a " gag order '' on the arrest. I then received instructions to send the bail money by gift cards, and over the course of 2 days, I purchased a total of {$5500.00} in gift cards from XXXX XXXX, XXXX, and XXXX XXXX. 

I received a second call and was instructed to give the gift card numbers to a XXXX XXXX, for my grandson 's release. After I complied, I contacted my grandson, and he told me that he was not under arrest, and it was not he who called me. I then contacted the Police Department in my town, and made a Police report. While the Police were making the report, they confirmed the phone number I was called from, was from XXXX, and was involved in fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received an alert from XXXX that an change was made to my credit report. I then determine the change was the reporting of a {$1400.00} medical collection debt from Common Wealth Financial Systems. I have received no prior correspondence from Common Wealth prior to negatively impacting my credit. I then contacted them via phone and was informed that it was for a 2012 XXXX bill for my daughter. I informed that Collections agent that I was not aware of any charges due from 2012. How is it legal for the Collections agency to impact my credit without me receiving a notice of right to dispute?

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ECMC Group, Inc. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: For the past several years, ecmc have procured my income tax refunds which technically indicates partial payment, hence resetting the statute of limitations which should have expired in 2015.

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 03-01-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Wrong amount charged or received

Complaint: On XX/XX/XXXX I had {$900.00} in my USD Wallet on Coinbase.com I  made a purchase of XXXX BTC ( Bitcoin ), and was somehow charged a purchase AND a sell transaction. I never sold ANY bitcoin on the date in question, only purchased using funds that were already available in my USD Wallet. After informing Coinbase via a support ticket, I was informed a specialist would be assigned to look into the matter but have received no correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Late fee

Complaint: Charged XXXX late fee on multiple credit card accounts after setting up all payments online. They say payments were never setup I know they were setup as they are every month when they are received. They are paid in full and rarely is a balance kept on any of our cards. Here is the problem, you go in pay all your bills and then never get your email confirmation. You think they must be having a slow server or software problems. If they are they will not admit it and blame you for the late payment. You do receive an email saying your account is past due and your payment never posted. This is a scam and they know it. The electronic banking system is flawed and they know how to take advantage of online bill paying. So no email confirmation means they are collecting late fees from people who are actually making their payments on time and all they have to say is no email confirmation was sent. So they made their XXXX but lost us as Citibank customers ( XXXX of credit line ) for life. So beware of this practice. Which, if you charge a XXXX people with a XXXX illegal late fee you just made XXXX XXXX illegally and got away with it. Most people wo n't persue it but with a family of lawyers we may file a class action suit. XXXX is not the issue it is an issue to not take responsibility for your poor banking practices.

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 02/13/2018 about Debt collection (Private student loan debt) with HEARTLAND PAYMENT SYSTEMS INC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I took a XXXX student ( XXXX ) and XXXX XXXX XXXX ( XXXX ) from XXXX university in XX/XX/XXXX which were both sent to collection agency conserve in XX/XX/XXXX. I fully paid both of these loans through conserve XX/XX/XXXX at the amount of {$8900.00} total and have attached the documents to this email stating I have fully paid both loans and have a balance of {$0.00}. A few months ago, the XXXX student loan that was already paid off was again taken to a different collection agency, XXXX XXXX XXXX. The portal XXXX XXXX showed that the entire payment was put towards the XXXX XXXX XXXX and {$0.00} to the XXXX student loan making it look as if I overpaid one loan and didn't pay at all for the other. I contacted them and XXXX university, as well as conserve who all have said I have a {$0.00} balance and owe {$0.00} and was told this would be taken care of. I logged on to XXXX again and now instead of showing the XXXX student loan is in collections ( it should show " paid in full '', it shows that I owe {$990.00} with a payment of {$40.00} due on XX/XX/XXXX. I called XXXX again and they told me they were contacted by a XXXX university staff member, XXXX XXXX, stating that I still owe this much money toward the XXXX student loan. I again contacted XXXX university 's XXXX 's office and financial aid office and they have said I do not owe any money and my account balance is {$0.00}. i was told to email the documents as well as a description of the issues to the XXXX University treasury to get this straightened out and for XXXX to be contacted to correct this error and show that both loans ( XXXX XXXX and XXXX student have been paid in full, which I did on XX/XX/XXXX, however I have no recieved any response or confirmation that this issue is being taken care of. My credit report now shows a delinquency of a {$990.00} payment that does not exist and I have contacted these three companies numerous times since XX/XX/XXXX and nobody seems to be helping to solve this problem. I have attached the documents of proof from conserve collection agency that both of these loans are paid in full. 

**THE PASSWORD FOR THE DOCUMENT IS : XXXX Thank you, XXXX XXXX Student ID @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Trouble during payment process

Complaint: Rushmore loan management services is not accepting any paymens at all from me, i am only 2 months behind in payments and they have already started forclosure proceedings which they claim a foreclosure letter has been issued. i have been trying to make my monthly mortgage payment to not go more than 2 months past due until i file my taxes to get my refund and to pay current but they refuse to take any payment whatsoever. they state only if i pay the current mortgage ( which isnt due yet til XX/XX/XXXX and the 2 month past due. they are intentionally trying to forelcose by not accepting a mortgage payment to escalade to trustee sale to foreclose. the rep stated there are notes on her account that i have a large amount of equity and to only accept full 3 months payment only, they are rushing to foreclose asap because they know amount of equity i have. this just happended on XX/XX/XXXX when i called to make 1 mortgage payment and they refused. my mortgage got transfered to rushmore loan management back on XX/XX/XXXX and they raised my new mortgage monthly payment from XXXX to XXXX per month with out any notice at all, and now they are refusing to allow me to pay. please some get involved becuase they are threating to foreclose because of my equity i have. im only 2 months past due and theyare not allowing any payment whatsoever unless i pay the current mortgage not due yet and the 2 months past due. please, this is urgent! i will get my payment caught up once i file my tax returns but they still have not sent my mortgage interest 1099! they stated will not be sent until next month when they all go out

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX, and XXXX XXXX, in light of Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents via my disputes, Therefore according to the above statue any and all un verifiable accounts should be deleted promptly and immediately after 30 days. And it's been over 6 months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX Treasury Closed Reported XXXX/XXXX/XXXX Lacks XXXX Closed Reported XXXX/XXXX/XXXX Us Dept Vets Closed Reported XXXX/XXXX/XXXX Us Dept Vets Closed Reported XXXX/XXXX/XXXX Us Dept Vets Closed Reported XXXX/XXXX/XXXX Diversified {$340.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Opened XXXX XXXX, XXXX North Amercn {$640.00} Opened XXXX 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 12/29/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (SD).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX Wells Fargo in XXXX XXXX, South Dakota, contacted me about refinancing my mortgage under a government funded program. I paid for an assessment but my application was declined. In XX/XX/XXXX Wells Fargo contacted me again to tell me that the criteria for government program had changed and that I should now be eligible for refinancing. The loan officer advised me that if I took out a loan to consolidate some of my unsecure debt my application was more likely to be approved so I did so. I also had my home reassessed because they could not use the previous assessment. My loan application was denied again.

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 06/30/2017 about Debt collection (I do not know) with Credit Protection Association, L.P. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I keep receiving robo calls from XXXX with a message that identifies the caller as " XXXX XXXX XXXX XXXX attempting to collect a debt. The first call was received X/XX/2017 and the second call was received X/XX/2017. They ask for me by my middle name, which is the name I go by personally, but any service or business transaction I register under my legal first name. I also know for a fact that I do not have any delinquent debt. I just bought a home a few months ago and had an excellent credit report then ( upper XXXX ). My first mortgage payment has not even come due at this point, and all other services I pay for are up to date. I had a utility bill go a few days past due by mistake but it was paid off before service was even at risk of being shut off, much less the delinquency being reported to a credit or debt collection agency, so I know there is nothing due here. I assumed this was a phishing scam, but recently read reviews online of others who have had problems with this phony debt collection scam including having the fake debts listed on their credit report. The reports also state that calls to this company are met with rude people who claim they can not divulge who the debt is for and only wish to collect your credit card and social security information to pay it. I do not wish to have my credit damaged over this false claim by this dubious company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Bank account or service (Checking account) with DISCOVER BANK (NJ).
Issue: Deposits and withdrawals

Complaint: I ca n't transfer money out of my discover bank account. Instead, discover allowed a wire transfer to the same account and routing number. 
THe account and routing number is correct but the bank will not let me transfer my cash.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I have a check in the amount of {$30000.00} made payable to myself. The payor has drawn the check on its bank, which is Chase Bank on XXXX XXXX in XXXX Indiana. I want to cash the check and I am not a customer at Chase Bank. I phoned the branch before I came in. I was told that I needed to come in and present the check and then the bank would order the funds which I could pick up at a later date. I was advised that there would be an XXXX dollar fee because I am not a customer. Five minutes later I arrived at the bank. I was told by the branch manager that I could not cash the check because I am not a customer. She said that it required ordering funds and she would not order funds for a non-customer. Then she said that even if I were a customer, she would require me to deposit the check and she would put a hold on it for 2 to 3 days before she would allow me to cash it. I asked her whether there was any way that I could cash the check without depositing it into an account and she told me no. I find this very confusing. I do not wish to deposit the funds. I wish to cash the check. It is a valid check and I presented valid identification, including a US passport. Is Chase correct in telling me that I am not entitled to cash for my check? Is it proper to force me to deposit it?

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: APR or interest rate

Complaint: The following XXXX department store credit issue by Walmart and JC Penny do not apply monthly payments to the highest interest bearing transactions. 
I have promotional rate transactions for both cards that are differed interest and each month they try and pay down my differed interest. 
I have to call them every month and request my payment only be applied to my interest bearing transactions.

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