milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (MN).
Issue: Loan servicing, payments, escrow account

Complaint: We had mailed our mortgage payment well over two weeks prior to the due date. However they never cashed the check so we called and made a payment plus the fee for paying over the phone. Because they had not recieved the check. However the next day they cashed our check. When we called them and asked why this happened they said that it was in pending when we had called yesterday. We requested that we get a refund for one of the payments we have bills that need to be paid. They said they can refund it it with a written request. So we faxed the request immediately over and were expecting to recieve our refund in 3 to 5 buisness days. We never recieved a check. Now our mortgage is due again we called asking when our check would come in mail because we are mailing the XXXX 2016 check today. They responded that the extra payment was applied to principal that they never recieved our written request. Yet our fax machine sends a confirmation when a fax goes through. Now we also found out that they have not been sending the appropriate amount due it was not showing the money needes in escrow. The ethics of this company does not seem to exist. Sadly we are only on month two of our 30 year loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2016 about Credit card () with U.S. BANCORP (ND).
Issue: Rewards

Complaint: XX/XX/2016 I redeemed {$100.00} in rewards. My bank has a statement on the " Redeem Rewards '' screen that states " Redeem for {$100.00} or more and receive a {$25.00} Bonus Rewards Card to spend on yourself ''. There are no terms or conditions listed with this statement. When I did not received the bonus {$25.00}, I contacted my bank and asked why I had not received it. They stated that you can only receive the bonus once a lifetime. I believe this to be deceptive since that is not stated on the " Redeem Rewards '' screen.

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 11/21/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NC).
Issue: Credit decision / Underwriting

Complaint: I am trying to complete a Home Equity Line of Credit loan with JP Morgan Chase. They discovered an " open '' lien from XXXX of their predecessor banks ( XXXX XXXX Bank XXXX New York ). I provided XXXX evidence of the pay-off of that loan in 1996. They still have not processed this lien satisfaction and now have closed the application due their own inability to process in a timely fashion. This has closed my fair access to such credit to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (LA).
Issue: Credit decision / Underwriting

Complaint: XXXX-Quicken ran an inquiry on my XXXX XXXX and XXXX credit report without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (I do not know) with Southwest Recovery Services, Inc. (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm unaware of what debt they 're referencing - requests for written documentation have been ignored. I 'm receiving calls 3-5 times a week at my place of employment and they 've been requested and put on notice numerous times to not contact me at work.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Trans Union has numerous inaccurate balance accounts and has reported accounts discharged in BK. These accounts were not included in my 2010 BK and were paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: APR or interest rate

Complaint: I called the Chase credit card company to check the payment allocation rules before taking a Cash Advance. I was informed that a repayment would be allocated first to the Minimum Payment Due and after that against the highest interest balance. I took the advance. A while later when I was able to repay the advance, I checked my account online. The Cash Advance balance was showing, as was the Minimum pPayment Due. I made a payment sufficient to cover both. None of the payment was allocated to the Cash Advance balance. When I phoned to enquire they said I repaid it too early. I had to hold the Cash Advance Balance until the next statement. I do not think that is fair and i was not informed of that when I enquired before taking the advance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Navient pulled 2 payments, giving NO RECEIPT of Payment and STILL will not return my one payment and it's my rent. 

Normally, when a payment is made with ANY company you receive an AUTOMATIC receipt into your email box however NAVIENT is crooked and they offer nothing. Had I received a receipt for my alleged two payments I could have halted it right there and would have known they did this. 

I called the bank and they have to wait until Navient actually gets the money and I called Navient and the kid said he can't do anything until they get the money. So I can't pay my rent now because NAVIENT pulled 2 payments when I only PAID OFF one loan. 

This is such a disservice and crooked tactic. NAVIENT should be required to forward payment receipts IMMEDIATELY so that the CONSUMER knows whats going on. I have every intention of taking this to the highest level because they are crooked!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pendrick Capital Partners Holding, LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Ref # : XXXX has report this account account as open XXXX XXXX, XXXX Open Account # XXXX {$240.00} Balance XXXX Original Creditor {$240.00} High Balance XXXX XXXX, XXXX Opened Date - XXXX XXXX, XXXX Last Reported I would like to dispute the item noted above on my credit report I have made every attempt to obtain information related to this item reflected above that is being reported on my credit report under the name XXXX XXXX XXXX. Between the original creditor and the agency noted in this dispute the original creditor provided me with XXXX other companies that they assigned their debt collections too and still no one has any knowledge of this debt. 
As a result, I have not been able to verify the following : 1. Original date of service, account number & place of service/provider 2. The original creditor does not have the account number, nor information as to who the debt is owed to yet they have assigned it to a party to be collected. 
3. I 've contacted " XXXX XXXX Solutions '', 4 times via phone regarding this matter over a 60 day span and was told by the call center rep. that a request to have the item remove would be forwarded to the manger. 
As of XXXX XXXX, XXXX, upon reviewing my credit report I notice that XXXX recently update my credit report on XXXX XXXX as an outstanding collection item reflecting {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONWIDE ACCEPTANCE CORPORATION (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX/XXXX/2015, my vehicle was charged off, after being unable to pay for the vehicle. the vehicle was added to my credit report, however he account was never closed. I have contacted the Nationwide Cassel LLC Account # XXXX, with ending amount of {$9600.00}. I contacted the company and offered to pay 35 % of the amount owed. ( {$9600.00} ).  Nationwide Cassel LLC XXXX Nationwide counter stating they would settle for {$10000.00} Nationwide increased the amount after knowing that I was in the process of buying a resident.

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 10/21/2015 about Debt collection (Credit card) with Lustig, Glaser & Wilson, P.C. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They sent me a letter stating that beginning XXXX XXXX, 2015 their company will start taking {$75.00} on my account. The company kept sending me letters about the debt which I do n't recognized. I did request in writing to send me the validation of debt which they failed to send. Now, this is what they want to take money from my account without any judgement or proof of debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/XXXX & XX/XX/XXXX As  you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not  authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Report Number : XXXX On XXXX XXXX I pulled my Experian credit report from the annual credit report site and discovered I have a a unverified accounts from the following companies : XXXX XXXX XXXX # XXXX This account I have never done business with this company error please delete. 
XXXX XXXX XXXX # XXXX No record of this account never validated please delete. 
XXXX # XXXX Please Delete no record found. 
XXXX # XXXX The account not verified please delete. 
XXXX XXXX XXXX XXXX This account is a XXXX XXXX violation please delete. 
XXXX XXXX XXXX XXXX, # XXXX, # XXXX Thess accounts has never been verified error please delete. 
XXXX XXXX XXXX XXXX Never done busines with this company please delete. 
XXXX XXXX - XXXX XXXX {$2200.00}. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt they purport I owe. I request that these companies Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 03/16/2017 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to request the assistance with an issue I have with Round Point Mortgage Service which is servicing my XXXX backed home loan. In XXXX I refinanced my XXXX Home Loan with XXXX which then handed the loan off to XXXX and now Round Point Mortgage Service. Due to a unrelated issue in XXXX I filed Chapter XXXX Bankruptcy due to a divorce however, I did not file against my home and continued to pay monthly mortgage payments as scheduled. I went through the Chapter XXXX repaying all unsecured creditors and satisfied all of the US Bankruptcy Court requirements. The issue came after I completed the Bankruptcy. I contacted Round Point Mortgage Service in reference to my mortgage which took several weeks to get Round Point to remove me from Bankruptcy status at which time they claimed I was 4 months behind on my payments from the beginning of XXXX. I then received a certified letter from Round Point stating that if I did not pay the four months of payments by XXXX XXXX they would began foreclosure procedures. I have contacted Round Point numerous times in attempt to resolve this issue. I have sent them 26 months of Credit Union Statement, Payment History 's from previous mortgage services companies and court documents. My attorney has sent signed documents from XXXX XXXX attorney certifying my mortgage is in good standing. Round Point has still failed to resolve this issue, they have lied about speaking to my attorney and give a different excuse each time I speak to them. I am seriously concerned about losing my home, my federal employment and XXXX benefits due to this issue. I am in hope you can offer assist to me in getting a resolution to this issue I can provide all of my supporting documentation to support fact that I am " NOT '' in default on my mortgage.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have had numerous conversations with XXXX regarding my account # XXXX XXXX XXXX XXXX - Which was an old XXXX account that was converted into XXXX through XXXX. <P/>They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for XXXX 2017. I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to XXXX and they have agreed to remove the derogatory reporting, yet as of XX/XX/2017 they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the XXXX phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of XXXX and need written confirmation before then that this late payment has been deleted from my credit history once and for all.

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 09/23/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: 1 address listed on report is incorrect never lived at that address

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Called Navient about grace period. They stated that I already used my grace period and I advised thats impossible. I was in school from XX/XX/XXXX until XX/XX/XXXX. All of my other loan lenders have me in a 6 month grace period but Navient refuses to help is trying to collect on my loans with them. I should be in grace period until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing disputes

Complaint: I have obtained Lowe 's credit card : XXXX First statement was paid in full. In the second statement Lowe 's charged undelivered items as well as already delivered item. I believe the merchandise should be delivered before billing.

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 (Federal student loan servicing) with SLM CORPORATION (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out loans through Sallie Mae and they were to be deferred payment so I did not have to pay on them while I was in school. Responsibly, I started making small payments each month to get a little ahead and then payments started being required of me and they were more expensive. When I asked about it they told me it was just how the loan was set up. Even though it says the repayment date is XX/XX/2019, I am still having to pay on it. This is not how my loan was to start with and I should not be required to pay back money now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Trouble during payment process

Complaint: PHH Mortgage Services  took over my loan in   XXXX   XXXX  . I have an escrow account set up with them with the expectation that they would pay all of my property taxes as my previous loan servicing company did. My payments for my home have remained the same since I bought my house over 2 years ago. In   XXXX   XXXX   I received a delinquent tax bill from my   XXXX   district in the amount of {$3400.00}. I immediately alerted  PHH Mo rtgage to the situation and they paid the late tax bill. However, on   XXXX   XXXX   XXXX   I received an escrow reanalysis that states that due to their oversight, I must either pay them {$4900.00} or my monthly payment will increase by {$410.00}. Neither of those are viable options for me. I also no longer trust their ability to properly service my tax/insurance money and requested to have my escrow account removed so I can make sure my taxes get paid in a timely manner from now on. They agreed to remove my escrow account but only if I pay a {$420.00} escrow waiver fee. I do not feel it is right for them to charge me to monitor my ability to pay my taxes when clearly they ca n't even take care of their own business. I brought this to their attention and was told they would not waive the {$420.00} escrow waiver fee, sightin g it 's in the loan documents ( which I never signed with them ). I am pretty sure those same documents state th ey have the duty to pay my taxes in a timely manner. Their mistake is causing an undue financial hardship for me. I now have 7 months to come up with a years worth of taxes. I feel I should have the money I have contributed to my escrow account so far this year ( approximately {$3500.00} ) refunded to me, however, all I have requested from them is to have the {$420.00} escrow waiver fee removed. They refuse to work with me on this and are unwilling to accept responsibility for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Rewards

Complaint: Dear Sir/Madam, Good afternoon! My name is XXXX. I opened a XXXX credit card on XX/XX/2016 and spent more than {$3000.00} in next three month. Although I got the reward points, they are locked by Amex somehow when I intend to transfer my points to airline with excuse " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' Could you please ask Amex remove the lock so that I can book ticket with my points? 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are multiple addresses listed on my report that I have absolutely no knowledge of. I suspect identity theft and request all addresses other than my own on my report, be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not have knowledge of debt that is attempted to be collected. This does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In XXXX, I had wireless phone service from XXXX. I had home phone and Internet service from XXXX as well. XXXX itself was divided into two separate entities. So, in order to pay my wireless bill, I would have to go to a XXXX wireless store. The wireless store would have no record of my wireless service and told me to contact the other XXXX entity that provided the home phone service and Internet, they would again re-direct me to contact the wireless store to settle the debt. I tried to settle this debt at, at least, two XXXX stores, and told once again, they have no records on file for this debt.

Company response to consumer: Closed with explanation