milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2017 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is the 3rd time I have had to file a complaint against XXXX XXXX XXXX. 

They continue to send me letters demanding money that I do not owe. I feel they have broken the law and this company needs to be reported or fined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I closed my charge card with American Express ( here refer to as " XXXX ) within the 30 days time frame but XXXX failed to refund the annual fee to me. XXXX 's refund policy states as follows : " If an Annual Membership fee applies, we will refund this fee if you notify us that you are voluntarily closing your Account within 30 days of the Closing Date of the billing statement on which that fee appears. ". 

XXXX charged me {$550.00} annual fee on XXXX/XXXX/XXXX and I closed my account on XXXX/XXXX/XXXX, which is within the 30 days time frame. I called XXXX customer service four times regarding this refund. Every single time the representative told me that they will take care of it and the refund should be credited to my account within 48 hours. Unfortunately, I have not received any refund. I am asking CFPB to look into it and see what you can do to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I purchased our home at XXXX XXXX XXXX way XXXX, Arizona in XXXX of XXXX, being young parents we were excited to have been able to accomplish this goal. All was going perfect until around XXXX of XXXX, when our only family vehicle was stolen, at this point we missed a mortgage payment and planned to catch up as soon as possible. Regrettably in XXXX of XXXX we fell behind by 1 more payment due to some unplanned expenses. Still attempting to bring our loan current and keep our house while also minimizing damage to our credit we made sure the loan did not go past 59 days delinquent. Around XXXX of XXXX we received a letter from the lender advising that we needed to bring the loan fully current by making a full payment exceeding {$1700.00} dollars. They advised if we did not pay the full amount they would refuse our future payments. I did not know they could do this and at that point I called them and told them they could not, at which point they advised me they could. So I consulted family to see if they could help which they could not so the only option was to stop paying and plan for the worst. Around XXXX of XXXX we had received written and oral communication about a loan modification being offered to us as part of the making homes affordable program. As part of the program we were advised to make trial payments in the amount of {$600.00} which as agreed we did, this can be verified by reviewing the payment history letter Ocwen sent us on XXXX XXXX XXXX. We also to be safe made sure that when we had to sign and return forms we put them with our checks and mailed them together in the same envelope. During the trial period we received a letter, the letter advised us that the loan modification was cancelled as the bank did not receive the final signatures agreeing to the loan modification. I called the bank and requested an appeal immediately, pleading with them to review the issue advising that we sent everything requested and asking them logical questions like if I did not want to comply why did I send the loan modification payments as agreed. I also advised them that the signatures were with the checks sent to them. I was told that at that point no appeal would be allowed and that the house would go to a foreclosure auction in XXXX of XXXX. Having no funds for an attorney I thought hope was lost until I met a lady recently who advised me to start a complaint with the Arizona attorney general 's office, which brings us to this point. I am humbly requesting as a husband and father of XXXX kids who depend on me for your help in righting this great wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I have an executed agreement to purchase a home owned by The Bank of New York Mellon through their agent, XXXX XXXX XXXX XXXX. Prior to closing, a roof repair was done ; however, the party who did the repairs failed to obtain a building permit or professionally complete the repairs. During the walk through it was evident that the roof was still leaking. A licensed roofing contractor provided me with an inspection and estimate to replace the roof since a repair is not permitted. The city building department confirmed that a complete roof replacement is required and has issued a stop work order posted on the property. The roof must be replaced by a licensed roofing contractor, it is now a code enforcement issue. The seller initially argued regarding who did repairs ( not material ) and insisted I close as is or cancel the contract. I could not obtain insurance with the leaking roof. The seller would only refund my {$5000.00} escrow deposit and refused to pay my direct expenses over {$1100.00}. I have a FHA loan approved, and the lender 's loan package was sent to the closing agent in a timely manner so there was no issue with the loan on the closing date, XXXX XXXX, 2015. The seller came back after about a week and told my real estate broker, XXXX XXXX that the seller would replace the roof and to confirm if I still wanted to purchase the property which I responded affirmatively. Today, I received an email to call XXXX XXXX, after agreeing to replace the roof the seller now is refusing to do as they said they would do. I want to purchase the house and I want the roof to be replaced as they agreed to do. The seller keeps bringing up the sale was " as is '' which I agree is correct ; however, hiding a leaking roof with new paint followed by having an unpermitted repair that left holes in the roof is deceptive at best. The listing agent for XXXX XXXX XXXX XXXX is XXXX XXXX, XXXXXXXXXXXX phone ( XXXX ) XXXX XXXX. The seller is The Bank of New York Mellon care of XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX, MD XXXX, XXXX XXXX XXXX XXXX asset XXXX is XXXX XXXX, the closing agent is XXXX XXXX XXXX XXXX, account manager is XXXX XXXX ( XXXX ) XXXX, processor is XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX. My agent is XXXX XXXX XXXXXXXXXXXX, the managing broker of the XXXX XXXX XXXX Florida XXXX has taken over the transaction, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX : The seller hid a leaking roof with white paint, when they had repairs completed, their repairman failed to obtain permits, did not complete repairs in a workmanlike manner and it was still leaking.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Trouble during payment process

Complaint: 1 ) I have a mortgage for a Rental property with MR. COOPER fka Nationstar 2 ) I was paying my mortgage religiously every month. 
3 ) Last month they increase the mortgage amount for more than {$400.00} dollars. I call questioning that they claim that was do it to raise in property taxes and also raise in Property Insurance. The property taxes claim is not accurate, for the contrary the taxes in the property have been reduce. In reference to the Property Insurance, it went up only {$200.00} in this amount if distribute on 12 months will be only {$17.00} more in the mortgage per month. 
4 ) I call them last month XX/XX/17, express my concern and they refuse to review the situation, instead try to convince me into refinance, with the inconvenience for me that the refinance will represent an extra $ XXXX in debts for me. 
5 ) I mailed to them the check for the amount that I understand should be my monthly mortgage as per them the check was returned. I do not received back. I was under the impression that they were working to resolve the situation, WRONG.

6 ) Yesterday, I try to log into the company website to pay my mortgage online, I was not able to, I do n't know if that was done in purpose. Then, I called and try to pay the amount I understand is my obligation, the system do not allow me to, they are demanding the full a amount and claiming that they do not cash the previous check. 
I desperate need some help with this matter, due to this action my credit will be ruined, I can lose that property which represent my life time saving and my health can be affected ( could not sleep the whole night yesterday ). I have a medical condition ( XXXX ). 
Please help me to resolve this situation. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 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: I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Payoff process

Complaint: I 'm writing because I have an issue with Chase credit card. I recently transferred a balance from one of my high interest credit card to Chase for a low introductory 0 % rate. My goal is to set-up monthly payments so that I can pay-off the balance before the introductory period ends. However, Chase only gives the option to pay the minimum balance or payoff the balance. They do not give the option of inputting a set amount that I would like to pay on a monthly basis. The problem is the minimum balance is always " XXXX '' and I 'm clearly not in a position to totally pay off the balance ; which Chase is aware off because I would not have transferred the balance. 
I believe this is fraud, and clear intentions to not have the credit pay-off before the introductory rate being offer expires. 
Just to note, I have the option of a set amount for all of my other credit cards. This seems to be only a practice of Chase. 
Please advise.. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (CA).
Issue: Application, originator, mortgage broker

Complaint: In XX/XX/XXXX I applied for a refi with US Bank. They offered me a XX/XX/XXXX refi at % XXXX. The rep from US Bank signed the agreement and sent it to me and I signed it along with my father, the co-borrower. After a few weeks, they contacted me and told me that ( XXXX XXXX ) my loan rep was fired due to mistakes he made on my and others loan refis and that they couldnt honor the XXXX rate. I then got a higher rate and stayed with US Bank. I applied for another XX/XX/XXXX refi in XX/XX/XXXX and did and provided everything US Bank asked for and in a timely matter. They are now rejecting the loan refi stating that I do not have XXXX straight years of XXXX income. My employer ( who I have been employed with for XXXX years ) took me off of XXXX in XXXX of XXXX and put me on XXXX. So that only gave me XXXX XXXX years of XXXX income. I actually bring home more money with the XXXX due to deductions but they are denying me the refi and are offering a higher rate. THanks for reading and helping

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 04-02-2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: In XX/XX/2010 I was the victim of identity theft. 

The person or people had my name, date of birth, social security number, address, a credit card number, and a fake driver 's license. 

They attempted to get {$15000.00} from a bank in another state that issued the stolen credit card number but the bank did not give them the money. They then opened several consumer credit cards and bought things before I was able to stop them by placing a 7 year fraud alert. I got a police report in the city where I live to officially report the identity theft. 

Today I called Experian planning to extend the fraud alert another 7 years. 

Experian has a policy that they will not place a 7 year fraud alert unless there is a police report. I told them there is a police report. I was told there must be a new police report to issue a new 7 year fraud alert. They offered me a 90 day fraud alert. 

My argument is this : The data stolen from me ( name, DOB, SSN, address ) that allowed the thief or thieves to open credit cards at retail outlets has not changed and is still in the possession of the thieves. The risk of fraud is as real now as it was in XX/XX/2010 and no further fraud/new police report is necessary to prove that. 

Any consumer should have the right to restrict the use of their data for the purposes of opening a line of credit or credit card. A consumer with a history of documented identity theft all the more so. Requiring the consumer to renew a fraud alert every 90 days is akin to my child 's pediatrician offering vaccines that expire, and require a new shot, every 90 days. 

It does n't make sense, there is presumably a rationale on the part of Experian that relates to their business model and generating revenue from consumer customers, and in my opinion that is unfair and ought not be allowed.

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 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Medical Business Bureau (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company is continuing to report this debt negatively. The account was paid to the original creditor by my insurance company. There has been no verification to me regarding this debt. They have not provided any documentation to reflect what the services are that they allege were not covered by my insurance. The only information they have provided is a balance and the creditor, I do n't have an account number for this creditor. I do not have an account with this creditor and I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Credit card debt) with BBVA COMPASS FINANCIAL CORPORATION (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Dear XXXX, XXXX XXXX XXXX recently declined from over XXXX to less than XXXX because a credit card company ( BBVA Compass ) has been posting a delinquent account on my credit report. I have not received any written notification of the debt or my right to be able to dispute this debt. I have not received a single phone call or letter from this company. I called them multiple times in the month of XXXX to try and settle this alleged debt by paying off the amount they were requesting if they would remove their negative account from my credit report. 

They have still not sent me a written notification of the debt despite my email and phone calls on XXXX XXXX, XXXX in which I gave them my most recent address. 
The person I spoke with was collection agent XXXX XXXX ( XXXXXXXXXXXX, XXXXXXXXXXXX, phone number XXXX XXXX. I have called this number back several times over the last few days in an attempt to settle this alleged debt and have the negative information removed from my credit report. However, after being on hold for over an hour, I have not been able to speak with anyone. 

I am a physician with a very busy schedule and a high patient volume. I really can not afford to spend so much time trying to settle a debt for which I have received no notification to date. I believe that in order to protect my rights as a consumer, an intervention from the CFPB is urgently needed. 

Thank you, XXXX, XXXX XXXX XXXX off on writing full name as per guidelines above )

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: On XXXX XXXX 2017 I contacted Citizens bank and waited on the phone over 30 minutes to attempt to resolve this issue with them directly. I have gone out of town and there was an auto payment on my account that over drafted my account. The payment was in the amount of {$160.00} and Citizens bank charged me an excessive amount of {$160.00} in fees for this amount. I have never heard of any bank charging this. I have numerous accounts with this company and I now feel very concerned to be leaving my money in this account. When I spoke with a supervisor she refused to do anything but waive {$30.00} of the fees. I asked to speak to someone above her and she told me no one is above her. I asked her if the she owns the company? She said she does not but I am not allowed to speak to anyone else. I demanded to speak to someone else as I did not feel comfortable with her. She told me that I can write a letter about it to XXXX XXXX XXXX XXXX rhoad island XXXX. I asked her what her full name or badge ID was in which again she refused to give me. All I know is that her name is XXXX and she is a manager in account support department. I should be able to speak to someone professional about my account and not treated this way when I have all of my checking and savings numerous accounts with this company. I never wanted this account to begin with I was constantly pressured any time I would go to the bank to make a personal account there because they wanted to meet there quota for the month. I have even gone in to try to cancel the account because they charge a monthly service fee and they wo n't allow me to and try to talk me out of it and say just set up one deposit into there every month to eliminate this fee. There are many other banks in this area that will not charge these fees and I would rather use them. In addition to this I told XXXX I do not want to be charged excessive fees I want to close the account. She refused to close the account. She told me she will not close it I have a balance. I told her to take it out of my other account and close all of them I do n't want their services in which she still refused to do so. I do not feel my money is safe with this company and I feel they are predatory bankers based on my experiences with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2015 about Mortgage (VA mortgage) with PLAZA HOME MORTGAGE, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: We received a tax abatement and our escrow payment and balance is not realistic for what needs to be paid. The company will not review the escrow until sometime XXXX which is not fair. This is frustrating because we pay on time and pay extra each month to reduce the principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (I do not know) with TRINITY HOPE ASSOCIATES (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Trinity Hope has made numerous calls to me referencing a debtbhat they would give me no information on. I tried several times to get information on the debt but the woman was rude and onl had an account number. She wouldnt tell me who the debt was to, when it supposedly occurred or validate it in an way,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with CAVALRY INVESTMENTS, LLC (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I mailed a debt validation letter to Calvery Port for a XXXX Credit Card. However, I have not received a response in way over 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a comlaint XXXX XXXX, # XXXX. I did receive a call the next day from the mortgage co. They promised to follow-up, but have not. In the mean time they have listed our property for foreclosure. We have not been given a clear reason as to why the loan modification was declined. The loan servicer who called was unsure why the underwritter dnied modification. We were told that a conference cll would be set up for us to speak with the underwritters. This has not happened. If foreclosure is the only option, then ok. But we have not been given an adequate explanation for denial or explained the appeal process or allowed to seek other options, i.e. short sale. It seems as if the mortgage company is delioberately not returning our calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation