milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Settlement process and costs

Complaint: I had a yearly escrow analysis done on my mortgage account, which at the time of the analysis was just a little over XXXX months old! Then I was told that a second XXXX had to be done to correct the problem are to see if there was a problem with the first XXXX and it would take 5 days to be completed. Its now been 8 days and its not completed

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm filing this complaint because Equifax XXXX and XXXX has ignored my request to provide me with the paperwork that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are require to promptly delete all info which ca n't be verified. Please resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Credit determination

Complaint: I applied for a Barclays JetBlue credit card. I received communication from Barclays that they needed more information from me to establish my identity ( social security card, etc. ), which I sent to them. I never received any further information from them by mail about the status of my application, nor their reason for denying my application. I mailed a letter to them two months later asking again for status and reason, but have not yet received any reply. If my application was denied, they never gave me a reason for the denial, nor told me directly about the denial.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Second Round Limited Partnership (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I provided information to XXXX and the creditor Second Round in XXXX andXX/XX/XXXX which proved that the Second Round ( {$3400.00} ) account was being reported incorrectly and was too old to be on my file. The date reported is incorrect and this creditor has already been deleted from XXXX and XXXX because of this reason. XXXX indicates in the status field of my report that " This account is scheduled to continue on record until XX/XX/XXXX'', however it remains on my credit report. I am unable to speak with anyone on the phone about this matter and because this item has been disputed on several occasions, I am not permitted to contact XXXX online about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MD).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I owe a {$140.00} balance, Ally Financial called 24 times in a row.

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 08/13/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (GA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Between XX/XX/XXXX Thur XX/XX/XXXX made 9 different payments to bestbuy credit card in the amount of XXXX towards an 18 month no interest account. Each payment were made by check, noted on check 18 month account. In addition to these payments, the minimum payment were sent every month. Durning the year additional payments were sent to Best Buy credit card account. Any extra payment sent, nothing was applied to this account. XX/XX/XXXX statement shows XXXX interest charged to my account.

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 06-11-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Select Portfolio Servicing : Fraudulent loan modification application from Mortgage Servicer. Loss of documentation. Incomplete response to QWR. Dual Tracking during loss mitigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Other debt) with ERC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Enhanced Recovery Co XXXX incorrectly reported the origional deliquency date from the origional account that it reported to the credit bureau. Deliquent accounts are to remain on an individuals credit report for a mere 7 years. The origional date of my delinquent account was late XXXX, however Enhanced Recovery Co XXXX has it dated for XXXX XXXX, XXXX and at one time I had two collection agencies, with Enhanced Recovery Co XXXX being one of them, open on my credit report for the same debt. This type of faulty information negatively affects my credit report. Federal law requires that collection agencies report the origional delinquency date from the origional account. This debt was incurred by XXXX XXXX XXXX XXXX and was a result of failed contractual agreement. I signed into a contract with the company for a monthly fee in exchange for cell phone service. When my cell phone failed to get reception because of the city where I lived during that time, I called to advice them on their failure to provide the service I paid for. They adviced me a tower would be built in the next 2 years, this was in XXXXI was forced to switch companies given that I was paying without receiving service. The debt was the cancellation fee of contract breach, even though they in fact breached the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Escrow payment went up and I made a payment for the old amount ( accidentally ). I realized the error of my ways and paid the added escrow amount. During the time I made the XXXX payment and the XXXX for the escrow account, the bank did not apply the payment to the mortgage. I called to register a complaint about this practice and the agent put me on hold as he tried to figure out the issue, though I already explained to home what happened. Once he called someone to figure out what I explained, he tried to explain to me what happened, which was not accurate. He said they did not hold on to my payment and not apply. Then he realized the error and explained it correctly. I asked repeatedly to register my complaint and all he wanted to tell me is that is how the process works. I even said I was going to the CFPB and he still would not acknowledge filing my complaint. Throughout all of this he said if a customer makes an overpayment that they will not apply the funds to principal until a full payment is made ( principle and escrow ). Th is not acceptable for a bank to hold on to funds when they should apply to the outstanding balance. It is also not acceptable for someone to have to spend XXXX trying to log a complaint and receive push back from the telephone agent. He made a bad experience worse

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX, XXXX XXXX and Experian are continuing to report inaccurate information. This collection with XXXX  should not appear on my credit file for I have sent proof and it still remains. I agreed with XXXX that I would pay for delete. Item is paid and was not removed. Sent in that proof to the credit bureaus. Per XXXX representatives, have advise credit bureaus to remove due to agreement for pay for deleted was completed, yet this still remains on my credit file damaging my credit scores.

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has sent a refusal to investigate my credit file claiming a “Suspicious Request” which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experian’s delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I cannot be the only one…The account in question are as follows:ACCOUNTSXXXX XXXX 		          	****XXXX				           XXXX   			****XXXXXXXX   			****XXXXINQUIRIES	XXXX XXXX XXXX			XX/XX/XXXX	XXXX XXXX		XX/XX/XXXX	XXXX XXXX XXXXXX/XX/XXXX	XXXX XXXX XXXXXX/XX/XXXXPUBLIC FILINGS	XXXX XXXX XXXX XXXX/XXXXXX/XX/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 non-monetary relief
Consumer complaint received 05/16/2017 about Debt collection (I do not know) with I.C. System, Inc. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I canceled my account on   XXXX   XXXX   for both phones.  XXXX  attempted to tell me months later that it is their " policy '' to refuse to cancel customers accounts on the dates their customers actually cancel but whichever date  XXXX  specifies. Additionally,  XXXX  attempted to tell me I had a contract. I did not. I had a leased phone. I only owed  XXXX  more nominal payment, which I made.     When I started service with  XXXX , I was billed for 2 months in advance. I paid that incredibly expensive bill. I still have a copy of that bill. I offered to provide  XXXX  with a copy of that bill. When I canceled service, I was never refunded for the prepayments of services that I pay on a monthly basis ; as it is "  XXXX  's policy to bill at least  XXXX  month in advance. '' However,  XXXX  was billing me for an additional 3 months in advance. When I disputed the bill, they sent me to collections.     I have had to hire an attorney to dispute the bill. Not only has  XXXX  sent me to IC Systems for collections. I have only received  XXXX  notice from I C Systems. I c alled IC  Systems and in formed them that this was in litigation. They still posted this to my credit report against the FCRA. According to FCRA, punitive damages are also in order. This is illegal.

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 02-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Fair debt collect practices, the company Navient has abused several articles by contacting several people outside of the persons on the account in attempts of collection. I filed for forbearance in XXXX of XXXX and was granted until XXXX of XXXX but they have constantly been calling members of my family and friends that I do n't know how they got their phone numbers and information because my name and mothers name are the only ones on the loans. And the practices calling and telling people that it is a emergency that they speak with after my forbearance was approved there was not need to speak with them. But just practices of attempting to collect on the debt are not within the rules of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Student loans were consolidated with XXXX XXXX, at which time a graduate payment schedule was set up. The servicing of the loans was transferred to XXXX XXXX and then to AES ( current servicer ). AES 're-disclosed ' ( AES term ) my loans, which changed the originally agreed payment schedule. This change made by AES ultimately extends the term period and charges more interest than agreed with XXXX XXXX. On XX/XX/2017, I contacted AES and filed a compliant, explaining that this is a violation of UDAAP and possibly Reg Z. I was told I would hear back in XXXX business days. On XX/XX/XXXX, I received no correspondence from AES so I placed another call. I spoke with XXXX different levels of Customer Service Rep. and they all told me there was nothing they could do, because their system was unable to accommodate the initial payment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (FL).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX - Received a cancellation notice from my homeowners insurance company stating that my homeowners insurance was not paid and they had cancelled my policy. It was after hours so I had to wait until the next day to address it. 

XX/XX/XXXX - Called Roundpoint Mortgage ( RPM ), spent about 2 hours on hold, was then told that they never received the notice of payment due because they had changed their mailing address & fax number. I called my homeowners insurance company and they advised me that they had received a letter from roundpoint telling them to remove them as responsible for the escrow because the account was paid in full. ( i now have a copy of this letter available ). I was promised they would send the payment overnight. Insurance company explained to me that home would remain uncovered until they received payment. I went ahead & made the payment because I was told that it would be refunded to me. 

XX/XX/XXXX - I called insurance company to check and see if the payment had been received from RPM. 

On/around XX/XX/XXXX, the check was returned to roundpoint by the insurance company because the insurance had already been paid in full to me. I then asked roundpoint to refund the money to me, since they had concrete proof that I had made the payment they should have. they told me it would be taken care of. It's now more than a month later & i'm being told that they can not refund me because I'm not due for escrow reveiw until XXXX and that they think the difference would be less than {$20.00} a month ( which of course makes no sense since the amount owed is {$710.00} just from the insurance ). I also received an automated message telling me that they're in the process of transferring my loan when I tried to call in today about this, so then it seems an escrow review would be done in advance of that anyway. 

I have copies of multiple chats & dates/times of phone calls ( i don't have all them in front of me but I can get them together if needed )

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 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: After I have provided documentation and repeated request to furnish me with documentation of verification of signatures on contracts or paperwork, the credit bureau has ignored my request to provide me with documents that their company has on file that were used to verify accounts that I disputed. Being as though they have gone past the 30 days allowed, and that they did not provide me with my contracts with my signature, they are required to promptly delete, under XXXX XXXX XXXX a ) ( XXXX XXXX ( XXXX XXXX and XXXX XXXX XXXX a ) ( 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 08-07-2017 about Debt collection (Payday loan debt) with Worldwide Processing Group, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Forward Movement Recovery continues to call my number asking for a woman I do n't know on a phone number I have had for nearly 8 years now. They have attempted to call from several numbers, the latest being XXXX calling me at work today. Do n't know how they got this number. SOOOO sick and tired of receiving calls from this company for a debt I never incurred and do not owe ... much less for a person I 've never met and do n't know. In addition, my and my family 's phone numbers have been listed on the Federal Do Not Call Registry for telemarketers for YEARS. Whatever happened to folks respecting this and actually leaving folks like me who want to be left alone left alone as we 've requested?

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage payment, I received a letter from Fifth Third bank stating I had until XXXX XXXX, XXXX to pay {$4300.00}. I was approved to take the funds from my XXXX and the paperwork was finalized on XXXX/XXXX/XXXX. Due to the holiday the funds were released to my account on XXXX/XXXX/XXXX. I called the bank to pay the balance owed and found out my loan was sent to the attorney for foreclosure on XXXX/XXXX/XXXX. The day before my loan was to be paid. I called the bank when I was approved from my XXXX company to report the money would be released to me XXXXXXXX business days- they then sent my loan for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Confusing or missing disclosures

Complaint: On XX/XX/XXXX I visited the New Jersey Lottery District Office at XXXX XXXX XXXX XXXX XXXX.I met with Deputy Director of Security, Audit and Licensing XXXX XXXX to discuss a review of case # XXXX aXX/XX/XXXX registered claim. XXXX XXXX informed me that after the New Jersey Lottery makes a payment any concerns involving law enforcement of crimes targeting a lottery winner are not theirs and to obtain an attorney. My XXXX XXXX  dollar cash payment was deposited in a Capital One 360 Checking account before being transferred to XXXX XXXX XXXX  because of account balance errors with pending or posted transactions. The XXXX XXXX XXXX account it was transferred to has a XXXX records request case number XXXX and Consumer Financial Protection Bureau request case number:XXXX. The Office of the Comptroller of Currency complaint case number:XXXX response suggested if I wish to pursue the issue to retain an attorney. However on XX/XX/XXXX a representation request to XXXX and XXXX my family attorney was declined. So I am undertaking account record recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft and filed the information with FTC. Even after the FTC File Affidavit was sent to the company with validation and proof of identity theft, the company responded that the debt was mine. My SSN and personal bank information was compromised and the company has yet remove the accounts from my Credit Reports even after filing as a victim of identity theft with 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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are two inquiries on my credit report I disputed recently through XXXX XXXX inquiry assist letters to US Bank 4-5 months ago for two different inquiries one of XX/XX/XXXX the other of XX/XX/XXXX and the company has not responded ...

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 10/30/2017 about Debt collection (Other debt) with ERC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have an account that was opened with XXXX on XXXX. I called a representative of diversified consultant on XXXX XXXX to settle this account. The representative that was a man guaranteed me if i settled the account out that he would delete the account from my credit. I payed the account and was sent a letter. After discovering this account was still on my credit report not once but twice from two different companies. I called back to the company and they told me to call the other company because they held the account and they stated they would delete the account once again. When i called the other company they stated they held the account. I have called over and over and this account is not handle and is on my account twice affecting my credit in a bad way. I was promised a deletion but nothing was ever done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have requested XXXX and Navent to reduce my student loan payment but this company refused, I have filed several time ( papers ) and submit them to NAVENT and XXXX, certified, but the refuse to process! They will wait several months and delay payments. But refuses to process my paper work to reduce paper due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid the full balance of XXXX fraudulent credit card accounts that do not belong to me, so I can have the credit card accounts deleted from my Equifax credit report. I paid {$2800.00} to XXXX XXXX XXXX and XXXX XXXX {$1200.00}. Please review the attached bank statement for proof of payment.

Company response to consumer: Closed with explanation