milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-08-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have attempted to settle a debt that was owed several times. All of my attempts were either ignored or rejected. I was sued for a much higher amount than I owed because they kept on accruing interest after I had made several attempts to settle or to arrange a monthly payment plan that I can afford. They brought me to court and I had no representation and did not know what I was doing at all. They bamboozled me into accepting a monthly payment plan based on an inflated figure and the payment is more than I can afford per month. I will be paying this debt forever while they collect money on a debt that I do not owe the full amount for. It is wrong and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: I sent a letter to Macys ( Citibank ) requesting they provide me with evidence, bearing my signature, that i ever had a contractual obligation with them. they did not follow the FCRA 623 ( a ) and FDCPA 807, in which they should have placed a dispute on my credit reports within 30 days and supply me with documents bearing my signature. I have made several attempts requesting this information. They also disputed any other accounts i have with them and placed " updated '' information on my credit reports about accounts i was not requesting information about.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries not mine.XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/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 12/28/2016 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a new home in XXXX XXXX. This home was in foreclosure and was being double taxed due to it not being homesteaded. I understood this at the time. 
I have paid the doubled tax rate for all of XXXX and have now obtained an estimated tax rate for XXXX from the county tax assessor 's office that is significantly less due to the home now being homesteaded. 
My tax rate for XXXX was {$9400.00}. This decreased in XXXX to {$3900.00}. 
My issue is that my mortgage company refuses to accept this XXXX estimate from the county and will only accept the actual tax bill which does not come out until the end of XXXX. 
So, I am stuck for all of next year paying the XXXX rate even though it is clear that the XXXX rate is much lower. 
The mortgage company says all they can do is maybe get a refund if I pay too much into escrow during XXXX. This likely will not happen until XXXX. 
I feel like they are keeping money that is mine. They should adjust my tax rate based on the estimate I received from the county. The county told me this estimate rarely if ever changes and if it does it would be minimal. I have an overage in escrow already of over {$1000.00}. If the estimate does change I would still be covered. I am paying hundreds of dollars more each month on my mortgage payment than what I should be paying but the mortgage company does not seem to care. 
Can you help with this? 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: XX/XX/2016 CFPB : JPMChase charged me {$18.00} per month for having Chase Accounts, when I was paying money from those Chase Accounts to Chase, as my US Bankruptcy Court Plan, regarding my Chase LIBOR-Indexed ARM Loan. JPMChase violated US Bankruptcy Court Policies by charging me the {$18.00} per month and overcharging me LIBOR, through the LIBOR Overcharge Conspiracy of JPMChase with XXXX and the XXXX. 
I demand that JPMChase remove all Credit Bureau Information detrimental to me, refund all its fees ever charged me and issue me Release from Mortgage. 

XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage on my condo serviced by Ditech Financial LLC, XXXX SD. Phone XXXX ; however when calling that number I get a customer service center in XXXX TX. 

Sold and closed on condo on XXXX XXXX. Ditech claims they mailed me a check for the balance of my excrow account in the amount of {$650.00}. Check did not arrive. Told there would be a wait until another check could be issued. Followed up and was told another check had been issued and mailed. They always tell me it will take 10 to 14 days for the check to arrive. That check did not arrive. Telephoned and insisted on talking to a supervisor. He, XXXX, told me that they are having system problem and although system showed payments being made, in fact, they had not. Told checks will now be issued on XXXX XXXX, XXXX. He told me it would be 10 to 14 days for check to arrive!!!! His extension at the above # is XXXX. I checked with XXXX. In XXXX they settled over XXXX complaints against Ditech and over XXXX complaints in XXXX. 

The condo is located in XXXX IN. Address is XXXX IN XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Medical debt) with Works & Lentz of Tulsa, Inc. (OK).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: For over two years Works and Lentz has sent letters to me stating that a lawyer would sue me if I did not pay a medical debt, On the phone Works and Lentz has repeatedly called and informed me that a lawyer has reviewed my account and will be coming after me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This issue is with XXXX XXXX. They have failed to report our information correctly. We never included our mortgage in the Chapter XXXX bankruptcy filing. We paid the loan off based on the short sale agreement established with this mortgage company. The date of the bankruptcy was XX/XX/XXXX and the house sale date was XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sold a house and closed on it XXXX XXXX. At the time of closing, all taxes with XXXX County Tax were paid in full. When I went to the Tax office when I saw it on my credit report, they agreed and just gave me a paper that showed it paid. Again, All taxes were paid in full when I closed on the house in XXXX and this lien was filed in XXXX. I did not own the home at that late date as it was transferred to the new owner XXXX XXXX, XXXX. Please have Transunion remove the lien from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: We had {$8.00} in our personal checking account on XXXX/XXXX/2016 posted as available balance. We made a purchase for {$3.00} and {$4.00} the morning of XXXX/XXXX/2016. That night ( several hours later ) a charge came through from XXXX XXXX for {$140.00}. We knew this charge would put us negative and we knew we would have to pay a {$36.00} overdraft fee. This single fee was something we decided we would have to incur to get our bills settled. Regions Bank took it upon themselves to rearrange the transactions so the larger debit came out first. To me this is simply fraudulent activity. They arranged it so we would now have XXXX fees to pay. I called Regions customer service and told them I wanted to change my account number and opt out of overdraft protection so I could attempt to fix the damage done. The lady I spoke with assured me that since my account was already negative I would not have to change my account number. I was told Regions would not allow additional charges to be made to the account. At this point I was n't sure if the reason was because I told them I no longer wanted overdraft protection or the fact I was already negative. Either way, I believed what customer service had told me. Sure enough, XXXX/XXXX/2016, XXXX more charges were allowed to go through to my account. I have been in email contact with Regions customer service where they are trying to accuse me instead of taking responsibility for what their customer service told me. I called customer support and I was told the checks would be returned and a {$36.00} fee ( same as their overdraft fee ) would apply to my account for the returned checks. This is after I was told no more charges would be allowed through to my account. I wrote a responding email to customer support explaining to them their mistakes, again, and I will only be paying the {$140.00} and {$36.00} fee. They declined to offer assistance.

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 10/16/2016 about Credit card () with AMERICAN EXPRESS COMPANY ().
Issue: Other

Complaint: Dear Sirs, Mon. XXXX XXXX 2016 at XXXX Attached copies of American Express indicated I authorised XXXX XXXX to charge the subscription fees of {$99.00} on XXXX XXXX 2016. On XXXX/XXXX/2016 XXXX refunded this {$99.00} on receipt of my dispute. 
But on the same date of XXXX/XXXX/2016 XXXX charged me again without my authorization this {$99.00} it had refunded me and American Express honored this unauthorized charge of {$99.00} and paid XXXX XXXX. 
The proof I have produced here with is more than enough and disqualify both American Express and XXXX XXXX to question me or argue further in this matter. I would therefore demand both Amex and XXXX agree to correct their oversight error they both have committed on their parts and refund my {$99.00} immediately.. 
Should I fail to receive the refund of {$99.00} within 7 days from today, I will bring this matter to the attention of appropriate authorities. 
Yours truly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted several FTC affidavits to EQUIFAX regarding fraudulent inquiries and a fraudulent account by the name of XXXX XXXX XXXX XXXX   which was deleted and placed back on the next 3 days and equifax removed the positive account with the similar name and is refusing to correct the issue they simply deleted the wrong one which was positive and opened XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Unsolicited issuance of credit card

Complaint: Chase sent me an unsolicited credit card for Amazon.com. They sent a separate unsolicited credit card for Amazon.com to my wife.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (LA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: GM turned me down for a lease on a new vehicle, stating that XXXX ca n't give them a credit score,  due to some kind of Fraud Alert, of which I know nothing about, nor where it came from, and cant get any answers. No explanation, nor have I been provided any documentation. I have good credit, with no problem getting a credit score from XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: #NAME?

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Recently my husband and I became a one income household. I was told by freedom mortgage that from the XXXX to the XXXX no late payment and that XXXX to XXXX there would be a late charge but not reported to credit file as late unless it goes longer then that. Last few months I have made my payment online last day of the month. This time XXXX XXXX and XXXX, i logged into account more then a handful of times as well as called the company. No matter what I tried i was not able to only pay XXXX payment it wanted me to pay XXXX and XXXX. well thats why we pay at the end of the month cause we cant afford to pay it sooner or as much as they were asking. I tried very hard to get this payment in. I was also hung up on by several reps and several reps told me I had to make both payments in order for them to except a payment. This has never happened before and when I told the rep she was clueless but did say thier website acts up time to time. So needless to say the hit my credit report as a 30 day late and told me there is nothing they can do even though clearly thier website was the problem and they could see on thier end how many attempts there was to make the payment they see where the mistake happened but they refuse to remove the late off my credit file. This has hurt us bad. We are in the middle of trying to sell our house to buy something cheaper while we get on our feet and now we are stuck. Thier customer service reps are very rude and very clueless. They refuse to transfer to proper manager to get the proper answers. They just keep telling me these things happen just try and get your payment in sooner. They also stated to me that it would be fixed as an error on thier behalf and of course still refuse to even though they can clearly see on thier end how many times i attempted the payment online and over the phone through the automated system. No sorry yes we know its our fault nothing. I am not the first person they have done this to and Im sure not the last. This company is nothing but crooks who are out to ruin hard working peoples lives.

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 11/24/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We have received at least XXXX calls from Midland Credit using a telephone number of XXXX within the last month. When I answer, they do not respond. I finally got someone to respond yesterday and they claimed they were trying to collect a debt from my husband on a " XXXX '' credit account. I told them we never had a credit account with that company and I would call the company directly. They insisted and asked me to verify my husband 's social security number. I refused, told them to remove our name from their call directory and hung up. I thought this was a scam because we have a credit monitoring service ( which I checked ) that would have alerted us to this, and no reputable company would allow anyone other than the person in question to verify information. However, to be safe, I then called XXXX and they verified that there was never an account opened in my husband 's name. 

Today I received another call from Midland Credit claiming there was now a XXXX Card account outstanding in my husband 's name and again asking me to verify his social security number. After repeated refusals and demands that they remove my husband 's name from their system, the caller finally agreed to read me the social security number they had. When I told him that it was not my husband 's social security number, he apologized and said he would remove my husband 's name and contact information from their system. I then hung up, but again this seems like a scam because why would a debt collection company give up so easy when they have no way of knowing if I am lying?

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (AL).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I have been writing these companies trying to get these unauthorized inquiries off of my credit report..I did not apply for credit with these companies. I have written them several letters asking them to remove these inquiries, but they have repeatedly told me no..

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 07-09-2015 about Student loan (Non-federal student loan) with Genesis Lending (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: On XXXX/XXXX/15, I received a bill from Genesis Lending stating that I still owed {$0.00} when I thought I had already paid my loan off completely.As a result, I check my account online under the history and realized that I was chareged ( XXXX ) {$25.00} fees for a total of {$200.00} that I was not aware of. On XXXX/XXXX/15 at about XXXX Eastern time, I called Genesis Lending at XXXX and talked to XXXX XXXX I informed XXXX that I just received a bill from Genesis Lending for $ XXXX.She advised that my account is completely paid off and she will waive the $ 0.01.Informed her when I checked my account online, it showed that I was charged ( XXXX ) {$25.00} fees for a total of {$200.00} that I waw not advised of.She indicated that they were late fees.Informed her that I was still in school at the time when the late fees were charged.She adivsed that I was still responsible for the interest 6 months after the loan origination and ususally it is a couple of dollars per month.Informed her that I was not adivsed of it and I did not receive any statements or bills.Asked her if the fees could be refunded.She adivsed as far as credit reporting goes, there was nothing she could do becasue they were already reported to the credit buerea.She then asked a supervisor to see if the {$200.00} fees could be refunded.She came back and advised her supervisor XXXX said no.Asked to speak to XXXX.Informed Operations Manager XXXX that I was not adivsed that I had to pay for the loans and I did not recieve any statements or bills.Asked him if the statements were sent to XXXX XXXX.He indicated yes, and advised that XXXX University should have informed me.Informed him that I was also not advised that I was charged ( XXXX ) {$25.00} fees for a total of {$200.00} and I never recieved any paperworks showing such.Asked him to refund the {$200.00} fee.He advised that my account is now completely paid off and by refunding the {$200.00} fee, it would put my account into negative and they would have to credit me the {$200.00} which they could not do since they are only the loan servicer. ( XXXX ) of the {$25.00} were refunded. There were un-authorized charges on my account and Genesis Lending failed to provide statements showing charges, interests, payments and credits as per requested in my previous XXXX responses. Please be sure to provide statements showing such since the loan origination date. Alternatively, please be sure to send a refund check for the remaining balance of {$120.00} plus any interests to my address on file. ALSO, I keep on getting emails and mail indicating that I need to pay my student loan. Please be advised, my loan is completely paid off. Please update your file to reflect this so I do not get further emails or mails.

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 09-02-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Customer service / Customer relations

Complaint: Today I checked my balance on my Walmart Mastercard by calling the toll free number XXXX. I 've been a customer for more than 2 years and I 've never paid late and have always paid my balance by the due date. When I call the account services number I usually get a message that my account has been matched with my social and it asks me to enter the last XXXX digits. This saves a lot of time. Recently I made a complaint to Synchrony bank, the servicer of the Walmart Mastercard, about walmart.com charging me for a toaster that I ordered online XXXX XXXX, 2016 at Walmart.com and then canceled the same day because it was n't available for free same day pick up at the store as promised. So today after checking my balance via phone call and finding it different from my calculations, I called the toll free number a second time so I could check my recent transaction history and find out if the toaster I DIDN '' T BUY has been removed from my recent transactions. On the second call I was asked to enter my entire account number and then last XXXX of my social, and the system said it did n't recognize it. I tried again and got the same response. So now I have no way to dispute mistakes on my account or ask questions or get customer service. I have NO faith in the security/integrity of walmart.com and I 'm not going to do transactions on their website. I really do n't want to believe that Walmart /Synchrony would lock me out ( although it looks that way! ) to retaliate against me for being vigilant about my own credit usage and making legitimate complaints about Walmart.com 's mistake!

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