milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2016 about Mortgage (Other mortgage) with Fay Servicing, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Since I have my modification completely done ; i had experience lot of difficulty with Fay servicing changing the monthly payment for {$1400.00} has varied.. The lender was calculating my escrow act more than the actual amount since act was transferred to them. Now I had made payment for shorter escrow since lender requested to be paid back on XXXX, 2015. Acct was supposed to go back to {$1400.00} and is not happening ; now lender is telling that I missed a payment when I had paid in advance without delate. Please see attachment for my monthly payment since XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Critical Resolution Mediation LLC (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: CRM Collections company called my family, who are NOT listed as responsible parties on ANY of my bills, and told them I had a warrant for my arrest and that I had to call them back immediately. Also called my work number repeatedly from different telephone numbers, even though the calls were from the same company

Company response to consumer: Closed
Consumer complaint received 10/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX Ocwen confiscated our XXXX Insurance check paid to us for damages incurred on our property. As homeowners, our mortgage is with XXXX which includes escrow account. XXXX XXXX made all checks payable us and XXXX, that make payments through our escrow account. When we initially send checks to Ocwen to endorse, they send it back insisting the new policy and IRS requirements is for all homeowners to endorse insurance check to the company to deposit into homeowners mortgage accounts for tax purposes. Unknowingly, we affixed our signatures and mailed the checks to them. After inquiring about the information given by Ocwen was not the facts, but them pulling mortgage fraud. We proceeded to inquired about everything. They proceeded to give us the run for XXXX and half month. The contractor pulled from our repairs due to nonpayment because Ocwen. We called Ocwen several times just be given the run around. Last when I called treating to report their action to law and newspapers about our lost, we received a call from them Ocwen, stating they mail checks to us yesterday with USPS, giving tracking number. Today I called Ocwen account information to check on our account, the automated system, acknowledged payments from us for total amount of our insurance claimed checks and also Informed us when our next monthly payments is due. This has prompted us to bring this matter to your attention. We are kindly requesting a complete investigation on our behalf in this important matters. XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ga

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX, 2017, I wrote this credit repository and all the creditors being reported incorrectly on my credit report. There are several collection accounts that I disputed which does n't belong on my credit report. Requested validation documents to be provided to me and I have not received what I am lawfully requesting and it is more than 40 days now. How can the bureaus report that such disputed items have been verified? How did you verify the information? Is n't it unfair that I did not receive validation documents within the required timeframe as stipulated by the law, you being able to verify the pieces of information and me, on other hand can not?! What documents did you use in your investigation? Is n't that a violation of FCRA. Not being able to provide validation documents. Reporting an item verified when they are unsubstantiated?

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On  XXXX   XXXX ,  2017 ,  Citi  imposed a {$35.00} late fee and {$170.00} in interest on my credit card account. I had made payment through my bank 's bill-pay feature, and had proof of on-time payment. So I called Citi about  XXXX  EST on  XXXX   XXXX ,    2017  to look into the erroneous late fee and interest. Customer service representative "  XXXX  '' said payment was due on  XXXX   XXXX , but not received till  XXXX   XXXX . I looked at a calendar, and saw  XXXX   XXXX  was a Sunday. I explained to  XXXX  that federal law prohibits penalties for payments received the next business day when payment is due on a Sunday or holi day. Citi refused to acknowledge its mistake, or reverse the late fee or interest. Hence this request for CFPB 's help. Thank you for your 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 02-06-2017 about Debt collection (Medical) with AmeriCollect (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt has not been verified. There were no contracts or signatures provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have Federal and Private loan on Navient. On XX/XX/XXXX I called Navient to get the automatic withdraw from my account on my private loan, then i received a letter that the automatic payment was cancelled, they add the wrong account and they did the automatic payment and of course payment was reversal. On the web site appear to pay only XXXX dollars ( all intrest nothing principal ) when my total monthly payment is XXXX, after serveral calls they told me that eveything is correct and i do not have any payment reveral and that i do not have any automatic payment. When i call customer services they told me that i have to pay XXXX for prvate loans but when call private loan department they told that i hav to pay XXXX. After several calls they told me that they will call me to verify my account and has past 2 weeks and i still waiting. Today XXXX/XXXX/XXXX i call and they told me that i have to wait. My due date to pay the loans is XX/XX/XXXX and i dont even know how much do i have to pay. I am worry about the payment reserval that could affect my credit, but as per navient I do not have any payment reversal or any late payment. Information on the web site is really innacurate with the information via phone. Fo a mistake of Navient employee of putting the wrong accunt number my loans and my payment are not correct. I have been paying this loans for years andi want this nightmare to end as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Non-federal student loan) with Performant Financial Corporation (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The XXXX XXXX XXXX XXXX agency is calling me numerous times a day at both my personal mobile number and my workplace. They are calling regarding account # : XXXX, regarding a claimed student loan debt. I received phone calls after I explicitly stated my workplace prohibits me from receiving such communications. I am receiving daily calls, and as of the last XXXX days, I am receiving XXXX calls a day, some with messages left. I called them back today at their number XXXX and explained I am now within my rights to file a complaint with the Texas Attorney 's General 's office, file a complaint with the Federal Trade Commission pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ), and that I intend to send a Notice to Cease Communications Letter today to their address : XXXX XXXX XXXX XXXX. XXXX, CA XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2015 about Prepaid card (Government benefit payment card) with Empowerment Ventures, LLC (MO).
Issue: Fraud or scam

Complaint: I have requested my replacement rushcard XXXX paychecks ago and have yet to receive it. I have paid expedited fees and still have yet to receive my card. I have request it XXXX times starting on XXXX XXXX. I have XXXX small children XXXX XXXX XXXX and I can not pay my bills and can barely make it to work. All my money is on that rushcard and I am beyond frustrated hurt upset annoyed and irritated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I was originally a co-borrower with my now deceased husband in XXXX. I modified the loan after he died in XXXX. I lost my job in XXXX I asked Suntrust mortgage company for a modification on the loan, they refused and sent me a response giving my options for a short sale or foreclosure starting on the XXXX of XXXX. I work a XXXX XXXX job and the bulk of my money comes after the XXXX of each month. I pay my mortgage, but I 've accrued late fees. ( {$1600.00} ) I contacted XXXX XXXX, XXXX, the representative told me she could not discuss the loan because it 's still in my deceased husbands name. Suntrust never took my husband name off the loan. 
What can I do to stay in my home?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: In XXXX 2014, Chase bank sent me the letters about closing all my Chase accounts ( checking, savings, and credit cards ). There was no any explanation for doing that. Just : " after reviewing we determined to close ''. 
During my visit a Chase branch, I found myself as blacklisted for Chase bank. I am not allowed to open any account in Chase. This status is " forever '' according to bank representative. 
In Chase letters it is also stated that : " We may also report the account to credit reporting agencies, which could discourage other banks from opening an account with you ''. 
All my questions on what I did wrong to get such severe sanctions were unanswered. The only answer was : " You are not compliant ''. 
As they are so not informative I tried to analyze by myself what I may did wrong. The only thing that comes out was ordering cashier 's checks on large amount. But I ordered them in Chase branch and teller processed them without any warning that it may be not compliant. 
So Chase bank blacklisted me forever for the secret reason that they do not want to disclose. They also threatened me to inform the other banks ( through credit reporting agencies ) that I am not good to have business with. I am blacklisted but have no idea why because in my view I was completely compliant with Chase bank rules according to their terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (Medical) with SCA Collections, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recently applied for a home loan. On my credit report shows a medical balance of {$210.00} with SCA collections XXXX XXXX. I disputed the information as I had never received a bill. Apr XXXX XXXX XXXX sent a bill. The first person I spoke to last week threatened to call my landlord. I tried again with my husband talking to them. They were very rude and stated they had mailed a bill I never received in XXXX XXXX. I also doubt this to be true as I updated my address with the bureaus last month. I asked if I paid the bill in full without even knowing if it was mine can they remove the collection. They stated no. I am being denied a loan because of a medical bill I never received. If a copy of the bill is needed I can upload it. I understand medical billing is a complex issue and outsourced lab work and so forth often do not know the insurance to bill. I was an employee at XXXX and most procedures if done in network, the hospital waives the charges beyond my co-payment. I am only asking them to remove the debt from the bureaus if I pay it in full and to send a complete medical itemized bill so I can see if insurance was billed properly. They declined when I disputed the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have disputed the reporting from XXXX XXXX XXXX. They have posted the same debt 2 ( {$190.00} and {$210.00} ) times on each of the 3 credit agencies, and yet it appears to be for the same account. I placed a dispute on XX/XX/XXXX. I have yet to receive a response to their investigation. According to the FDCPA rules, they should removed all items I have disputed with XXXX XXXX XXXX.when the investigation takes longer than 30 days!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017, Equifax discovered a security breach involving extremely sensitive, personal identification information of millions of Americans, including social security numbers, birth dates, addresses, driver 's license numbers, and credit card numbers. I was one of the persons affected. 

While Equifax is indeed a victim of this attack as well, I find it unacceptable that Equifax waited more than a month to inform the public of this breach. This gave the criminals far too long to exploit the information that they stole. They should have acted as soon as possible to inform the millions of other victims of this attack. 

Further, Equifax has set up a system to offer a free credit monitoring service for those affected. Unfortunately they are tying such an offer with a requirement to settle any disputes with them in arbitration, rather than the courts. Having a day in court to settle grievances is a fundamental right of every American. I believe that this is a tactic that Equifax is using to limit their liability and/or to limit the amount of monetary penalties that they must pay for any wrongdoing that future lawsuits may find that they are responsible for. 

Finally, I wonder how such a breach occurred, what could have been done to prevent it, and whether or not Equifax did take every reasonable precaution to prevent these sorts of attacks. I believe that an investigation should be conducted by law enforcement or lawmaking bodies such as Congress to determine the answers to these questions.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Reporting XXXX unauthorized inquiries, disputed and still continue to 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 05/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I was recently made aware of an upgraded credit c ard ( Metal Card ) Capital One i s   offering to SOME of their customers. An associate of mine received this card after hearing about this new product. He reached out to Capital One and after speaking with a few employees an exception was made and they provided him with a new metal card. We both have Capital One Venture cards so he prompted me to connect with Capital One to to get the new upgraded card. I 've had issues with my Capital One card bending and not working with some merchant : therefore, I was very interested in this new product they were offering.
Today, I reached out to Capital One to receive   an upgraded metal card and  was told several different stories why I do n't qualify for this card. I was told there are two types of Venture cards, Type I and Type II. Unfortunately, I ha ve the wrong type. After escalating, I was told it is only for new customers and not existing customers. I told supervisor  XXXX   ( I.D. #   XXXX  ) my associate has been a customer for over  two years  and was not a new customer. Lastly, I was told it 's a test market and only some customers are receiving this new card at this time. At this point, I 'm not sure what to believe. I 've been a C aptial One credit card customer for 13 years ; however, I 'm not receiving the same benefits as my associate and other Capital One customers. I 'm not sure how they are selecting their " test '' population, but in today 's banking environment you can not be too careful with UDAAP violations. I sincerely hope their decision making is n't based on race/ethnicity, income level 's or some other unjust criteria. Please help me receive the same benefits as other Capital One customers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: There are several issues related to this complaint in dealing with Shellpoint. I 'm numbering the issues to ensure each issue is addressed. 1. Shellpoint is in violation of CAHBOR by issuing a sale date on a home while it 's under a work out solution. At issue is this short sale request that has been in process for months. We advised the lender on X/X/17 that our previous buyer had walked due to significant repairs needing to be done on the property and submitted a new offer to Shellpoint on X/XX/17 at which time the file fell under a foreclosure alternative work out program as outlined by CAHBOR. At that time Shellpoint was legally required by law to postpone the foreclosure sale date and they did not. This is violation of state law and Shellpoint routinely violates this law and this practice must CEASE and DESIST immediately. 2. The person assigned to the short sale request at Shellpoint is named XXXX XXXX. XXXX XXXX confirmed receipt of offer on X/XX/17 and advised he needed the junior lien holder pay off letter and that was all that was needed. On X/XX/17 XXXX XXXX advised customer support that he was requesting a 2nd lien mortgage statement ( which he never asked for, he asked for a pay off ). The problem is that on X/XX/17 XXXX XXXX was advised he had the 2nd lien pay off and he stated he would run the numbers for the short sale and they were close enough to the last offer and we should be okay. He never ran the numbers, he did n't do his job and then he tried to cover for his negligence. We had to have another person at Shellpoint write into the notes that the docs were in the system the previous week on the date previously advised for tracking purposes so XXXX XXXX could n't blame us for not getting docs in time. XXXX XXXX then stated on X/XX/17 that it was now too late to get an approval because he did n't do this job last week. This is unacceptable as is unacceptable that there is a sale date scheduled on a property that is a work out resolution status and can not even have a sale date due to CA state law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Credit card debt) with Client Services, Inc. (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company of which is calling me, calls 3 times In a row at a time, will leave 30 second to a minute long voice mails, not saying anything and not claiming who they are what they are calling about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Medical debt) with Eastern Account Systems of Connecticut, Inc. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In early XXXX I was notified by my credit monitoring service that a derogatory item had been added to my credit file by Eastern Account System of XXXX XXXX, CT. The debt added to my credit file had already been paid in full ( {$310.00} ) to the original creditor, XXXX XXXX XXXX. 

Eastern Account System persists in sending collection statements, despite a copy of my receipt being mailed to their address on XXXX/XXXX/2017 : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CT XXXX. 

When they failed to remove it, I filed a dispute with XXXX ; XXXX contacted Eastern Account System and was told the debt was valid. I spoke with XXXX XXXX XXXX, and no one from Eastern Account System had reached out to them to verify that fact -- thus Eastern Account System is acting in bad faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc.

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