milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/25/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX 2016 I made full payment for home owners insurance for my property XXXX XXXX XXXX XXXX Pa XXXX. The cost of the new policy was significantly less than the previous policy. From XXXX 2016 until present date Ditech has continued to escrow funds in excess of the total amount due divided by twelve months. The total amount of mortgage -principal, interest, real-estate and home insurance has not been assessed so that the correct amount of funds are credited as additional principal that I that I pay each month. The homeowners insurance was paid in full so there it should not have been included in the escrow balance. The total amount due for the mortgage should have been decreased or I should have received a refund of overage paid to my account. 
My home new home owners policy cost less than the previous one. I paid it in full. Yet Ditech continues to take funds from my payments and place them in escrow for the homeowners insurance. 
The additional principal has not been actually reflected on the statements. The principles should be significantly reduced because I pay an additional {$74.00} principal each month. Plus a XXXX balance due for home owners insurance should reflect be reflected on my statement. 
Ditech owes me for overage paid to my escrow, but a recent statement sent to me states that I have a deficiency of XXXX. This is not accurate. Also what are the rules that govern collecting a cushion for escrow Ditech is planning to collect & {$360.00} as a cushion escrow. Why is there a escrow cushion be calculated into mortgage if payment for the homeowners is paid in full. 
The escrow account disclosure is inaccurate and appears to be a deliberate effort to not reflect what was actually paid and what is actually owed. 

I want an independent assessment of my account. I want excess monies paid into my escrow refunded and I want all future additional monies paid to be credited as additional principle. 
XXXX XXXX Account number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (I do not know) with Goldstein, Cruise and Smith LLC (RI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Goldstein and Smith called my dads home phone- spoke with him and also left messages on answering machine that i have a legal suit in there office and i will go to jail unless i call them or they get payment from my father

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I disputed this item on my credit report and it was verified. I then contacted Kohl 's to dispute the account which I am allowed to do per the Fair Credit Reporting Act and Fair Credit Billing Act. I sent them a dispute letter on XXXX XXXX and on XXXX XXXX they wrote back and said they ca n't verify the account because they no longer have the credit card application.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: The credit inquires on my account I have no knowledge of and I have not been successful in reaching the company itself.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (I do not know) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted on my mobile phone four times by CMRE Financial Services. The first two times they left a message asking specifically for my child who is XXXX years old. I called the number that was left ( the contact number changes every time ) and was able to speak with a representative who told me that this was a financial matter regarding my child. When I informed the agent that my child was a minor, the representative then said that she needed to verify some information and asked for my child 's birthdate. I told the representative that I would not provide her with my child 's birthdate and she proceeded to ask for our home address. I did not provide that either. I requested that she forward any billing statement or printed materials regarding my child to the address that they have on file. The representative became belligerent and then disconnected me. This has happened twice. I do not know where this stems from and it has me concerned. Any assistance that you can provide would be greatly appreciated.

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 03-11-2016 about Mortgage (Other mortgage) with MidAmerica Mortgage Inc (TX).
Issue: Application, originator, mortgage broker

Complaint: I was told it was best to shop mortgage companies when refinancing, but XXXX of these companies submitted XXXX hard inquiries on my credit report, though I was given the impression they would only be soft inquiries. The very thing they tell me is bringing down my score! Not removing these will keep me from refinancing my home. Please help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I had a credit card with Bank of America. In XX/XX/XXXX I paid the remaining balance of XXXX. I just recived a bill from Bank of America for XXXX with a threat of a XXXX late fee at 29.99 % interest on a XXXX balance shown on the bill I have recived. So in short Bank of America is fraudulently charging me XXXX on a XXXX XXXX balance? 

My full name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX # XXXX Confermation number XXXX CP # : ( 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 monetary relief
Consumer complaint received 12/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I received these loans to complete school from XX/XX/XXXX-XX/XX/XXXX, during that time I was impacted by hurricane Katrina having lost everything. Not once was I given any information on how to apply for relief from this event, i carried all these loans. I only recieved one or two more to finish school after this. I was given advice for my private student loan, which has been paid off. I was convinced to consolidate my loans in XX/XX/XXXX starting my time on income based repayment over. I have only used my degree once toward the profession I actually decided on for about a year, when I decided that it was not a good fit for me. All this time I had been told there would be jobs available, that the career choice was a good match, etc. When I tried to work in this field I found that was not the case. Since I graduated I have been in the lower income bracket. I have struggled to make a life and feel that these loans should be just about discharged based on the income based repayment program

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with my lender regarding a loan modification. I have provided and supplied all documents upon request and the lender has confirmed receipt of all documents. Now, XXXX day prior to the foreclosure sale I am being told that they do not know yet if my sale will be postponed as they have not yet determined all documents are there although they have acknowledged that the file is complete as of XX/XX/2016. All my homeowner bill of rights are being violated as I am not being provided with a significant opportunity to obtain loss mitigation options to avoid the foreclosure and have done everything possible on my end to attempt to do so. I also believe it is illegal to foreclosure on my property when I am in an active loan modification with my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Credit reporting agencies of XXXX, Experian and XXXX  are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.

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 01/31/2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notice from XXXX XXXX XXXX that says I owe a debt of {$4700.00}. 

I do not owe this. 

The notice says its from XXXX XXXX Bank ... I never had an account with XXXX XXXX Bank ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Advertising and marketing

Complaint: Received an offer on my XXXXMiles Member account to receive XXXX bonus miles after {$1000.00} purchase if I obtained a XXXX XXXX XXXX. When the card arrived in the mail the paperwork indicated I would only receive XXXX miles. I called customer service, they opened a case and said they did not know of any XXXX miles offer. The following day I received the same offer for XXXX in the mail. I emailed the retention area the copies and have been getting the run around for two weeks. I never activated the card as I had no intention of keeping it if this was a scam. I called today and requested they close the account as I did not wish to pay the annual fee which was billed to me. The paymentioned was due and I was not paying the if I was n't keeping the card.

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 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MN).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I made a purchase though the Chase Visa Ultimate Rewards website link to a merchant website that gave me an additional 3 % when I " Shop through Chase '. There was an issue with my card and fraudulent activity after this purchase that caused the purchase to be denied. I then had to call the merchant and make the payment over the phone. However, I want to be sure that I am still awarded this additional 3 % cash back because it was my intention to do the transaction that way. It was not my fault that Chase canceled this transaction and issued a new card ( account number ). At this time, the post is pending and has not posted to my account. I was being proactive and wanted to inform Chase of this transaction to be sure they rightfully awarded the cashback. They told me I had to wait until it was posted. I informed them to make a note and check back as it would be easier for both parties. They  informed me they could not make a note. For that reason, I am submitting this complaint so this is not forgotten by either side and there is an official record of the issue to be sure it is handled correctly. Please make sure the correct cash back is awarded in this transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Continuously calling my employer. I 'm not allowed personal phone calls and they call during work hours and after work hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They continually call my number harassing me and Im not the one that theyre even calling about. then, they refuse to tell me any information including their buisness name besides the abbreviation for it. I found out from XXXX that it is XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with Avant Credit Corporation (MO).
Issue: Problem when making payments

Complaint: In XXXX XXXX I contacted Avant based on an email I received offering an installment loan. I was told over the phone, by an Avant agent that the loan amount might be slightly higher than I would normally pay, 30 percent interest, but after, " a couple of years of on time payments. '' I could refinance for a lesser rate. After 2 years of on time payments I contacted Avant in  XXXX XXXX and was told that I could not refinance, even though there was no change in my credit score, my address remained the same, and my employer was still the same. I informed Avant about the statement made in XXXX of XXXX and was told that they did not have to honor it. I contacted Avant several times via telephone in XXXX regarding this dispute. I made the request for the terms and conditions and filed a written complaint ( attached ) via certified mail, as outlined in Avants, XXXX XXXX terms and conditions. Avant did not respond to the letter as they were supposed to in the agreement. I then was told via telephone that if I let the loan fall a few days past due that I could offer a settlement. I allowed the account to fall past due and was then told that I could not pay a settlement amount. I was offered a reduced payment plan, " until the dispute was resolved '' for 6 months. I entered this agreement and paid as agreed. I was not allowed to pay in XXXX of XXXX and had to call a second time and file a complaint to make a payment. In XXXX of XXXX I was again not allowed to pay. I contacted Avant the end of XXXX and offered to make arrangements but was told that someone would get back with me. Nobody returned our calls or emails. I then offered a settlement amount and stated that I did not want my consumer report harmed and Avant offered to settle, but did not provide an amount. I offered an immediate payment of XXXX dollars, but did not receive a response. I emailed several more times and my husband contacted Avant on  my behalf to no avail. On XXXX XXXX, XXXX, through the online portal at avant.com I was offered to reduce the rate to 9.99 percent, which I accepted. The next payment due was then shown as XXXX XXXX, XXXX. The account has never shown past due and during the period between XXXX XXXX, XXXX and XXXX XXXX, XXXX I was in contact with Avant regarding the dispute. The last payment was due XXXX XXXX, XXXX ... yet Avant is now reporting that I am 93 days past due to XXXX. I have contacted Avant and they continue to fail to respond. I do not want this to harm my consumer report as I have very good credit, I have not missed a payment on my own accord and only missed the XXXX payment because Avant would not accept it and I was in dispute trying to get Avant to take a payment for the next 29 days.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My new mortgage obtained by XXXX Mortgage in XXXX AZ was sold to XXXX Mortgage in XXXX. I received a notice from XXXX Mortgage about the transaction on XXXX/XXXX/17. I made my first payment in XXXX as instructed by the XXXX Mortgage letter. It 's been almost three months and I have not received anything from Dovenmehle ( no statement of account, no information about the mortgage, nothing! ). I tried to set up an account on their website, but got an email notice that they would need some time to establish the account and would notify me when it was live. Nothing happened for two weeks. I called them repeated, only to be cut-off after hearing an automated message. Today, I finally reached a live person after two attempts and 34 minutes of wait time. The agent told me they had the wrong mailing address ( certainly they had the property address! ). Then I wanted to make payment on the account, but had to be transferred to another dept. ( scary because of how difficult it is to get someone live ). I did get a collections agent, I was late in paying because I did n't know if this was a scam company because of their lack of communications and the extraordinary difficulties I had in reaching them ). She took my payment and before I could ask questions about setting up automatic payment arrangements, she actually hung up on me. She was very rude. This company is operating in a very untrustworthy way : they 've established so many barriers for their customers, it 's next to impossible to conduct business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Security National Mortgage (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We bought a home in 2014. We have never misse a payment. XXXX XXXX XXXX sold our loan to another lender and is now saying we missed a payment in 2014 and have dinged us since. This was part of the loan sold and they are attempting to collect twice what they say is owed. They were never missed inthe first place.

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 02-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After I had cancelled my XXXX, I returned my internet modem but XXXX XXXX is claiming that I never returned it and is rotating {$99.00} worth of debt between debt collectors. I had this issue resolved a few years ago and it fell off my credit report, now it is back on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Medical) with I.C. System, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I questioned this debt when I saw it on my credit reports. IC System sent me the attached letter saying they have n't had sufficient time to investigate. As it has been over 30 days since I questioned the credit bureaus, this is an illegal response

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 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My wife and I have been negatively impacted significantly by PNC bank erroneous reports. They have reported three times that I was late on my payments or missed payments. This is absolutely false. I 've actually made extra payments more than required to avoid any issues. I have never been late once by a day nor have I ever missed a payment. I 've called PNC to dispute these reports, however they stated that they do n't discuss these issues with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have completed all payments, but it still shows as an open collection on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a letter from XXXX XXXX XXXX stating I owe on a XXXX account in which the account number does not match my credit report for XXXX. They are saying I made a payment in 2012 in which I did not. My XXXX account has been paid off as agreed and now the attorney wants proof of that. But they have a different account number. I do n't understand I think its fraudulent. The balances from both accounts are similar but they do n't even match. The attorney is sending me a dispute packet. They have submitted court documents also ... this is n't fair.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MA).
Issue: Adding money

Complaint: Hello, I am Rushcard customer. I still have not received my payroll direct deposit, which was due on XXXX/XXXX/2015. They also zeroed out my account of the funds that were there prior to the " upgrade ''. When I called, I was in the call que for as long as XXXX hours before being disconnected. Once I did get through, I was given the generic answer and apology. They sent emails and texts letting us know that this upgrade was coming, but when everything went awry there was no communication at all. Then when they finally did send an email, it was about waiving all the fees during the holidays but the problem still is not resolved! Not only could people not receive funds but they could n't take any out or make purchases. I had to ask my employer to do a reverse direct deposit to get my paycheck back and that is going to take 3-5 business days! I have a family to feed, bills to pay and am in the process of moving. This is unacceptable! 

Now I completely understand the situation but it should and could have been handled better than this. I was pleasant each time I called. ( XXXX times called, got through once ) I will no longer be doing business with Rushcard. 

Thank you for listening.

Company response to consumer: Closed with monetary relief