milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my mortgage. 
Company issued a payoff to the title company, and then paid moneys from the escrow, which increased the payoff. They send me mail to my residence, which I received on Thursday evening, stating a figure to pay them to reconcile the account. Those moneys needed to be certified and they need to receive them by Friday @ XXXX. I sent them the money, by mail, which they received on Monday, they then posted the money to my payment account, not the payoff account, then held them until Thursday. What they did n't tell me was they were charging interest per day and the payoff, originally identified by Friday @ XXXX wouldnt have even been the correct amount ( They have charged me 6 days of interest ). They are telling me I now owe more money, because they sat on funds I sent them and interest has accrued. I have wired the additional money, but am still in limbo as to the status of the payoff. At this point, I have XXXX confidence that anyone at the company could tell me what the payoff amount is and how long that payoff amount will be good for.

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 02/23/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: A dispute was submitted regarding Portfolio showing on my credit report that I owe them XXXX for a bill from XXXX XXXX XXXX with an open date of XX/XX/XXXX. I've asked for proof of account being open during that time and they only provided an old bill from XXXX XXXX that was opened in XXXX and discharged in a Bankruptcy. They still did not show me having an open account effective XX/XX/XXXX. XXXX with them or XXXX XXXX XXXX. They are reporting false information on my report and request they submit proof of account being open with them, a contract or any documents regarding an account being open with them or XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I was logged into EQUIFAX , disputing my credit report with EQIFAX, and the credit agency " timed '' me out after completing my dispute. I loggedin again and gave all my personal information and coincidentally, I wasblock by EQUIFAX , and was refused login. Additional information wasrequired for me to log in ( mail in a copy of my drivers License ) and Icould then dispute the issue. I believe that EQUIFAX , intentionally blockme from their site because of the nature of the complaint and thecompany that I am complaining about. Furthermore, I can not talk tocustomer service without having account with EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am a cosigner on my son 's loan. I made 3 payments in the last six weeks. {$150.00} on XX/XX/XXXX, {$57.00} on XX/XX/XXXX and {$55.00} on XX/XX/XXXX. All of these payments were made by electronic funds transfer from my bank 's bill pay. The funds have been removed from my account. Navient says they received the {$150.00} but not the other two payments. They asked me to send proof of the transfers. I have sent my bank statement and a copy of the transfers FOUR times. At one time they said they received the {$57.00} but it went to the wrong address so they sent a check back to my bank on XX/XX/XXXX. The bank never received a check. They keep telling me to contact the bank. The bank did its job and can only tell me that the electronic transfer went through. I either want my money back or the money put on my account. I believe Navient has the money and now they have added a late fee I do n't feel I deserve!

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is reporting incorrect information on my credit report. Several attempts via phone and US mail informing XXXX of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX attempted to send several correspondences to correct wrongful information on XXXX reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late.
4. XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 XX/XX/2018, I have asked XXXX, TransUnion and XXXX verification and validation of a Negative Public Record : XXXX XXXX XXXX NJ XXXX. 
I have explained my name XXXX XXXX XXXX is a very common name and we have over sixty XXXX XXXX just in NJ and 89 In NY. The Bankruptcy has been mixed up with someone else. I have sent letters and disputed this negative report on line with no success. This negative information is affecting me financially and emotionally. I have found several innacuracies on my report, however, this is the most damaging of all.

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 12-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I contacted Transunion about a hard inquiry that I did not authorize. Transunion told me I need to get a letter of deletion from the actual company XXXX XXXX XXXX listed. I called that company and they informed me to dispute with transunion to look into the issue. I have gotten the run around from both XXXX and transunion. XXXX told me that they cant find where I made the inquiry but somehow it ended up on my credit report. This is a mistake that I can not get Transunion to look into. XXXX repeatedly told me that they do n't give deletion letters. Transunion told me they ca n't do anything about the removal of the inquiry without the deletion letter. I am lost and do n't know what else to do.

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Management Solutions (MD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Financial Management Solutions contacted me on my personal cell phone in XXXX of 2015 attempting to collect a debt from an apartment complex that I believe I do not owe. While speaking with the representative, I explained to him that in XXXX 2015, I gave proper 60 day notice of my intent to vacate the property due to me having XXXX young children, XXXX being XXXX dependent, as a result of an uninhabitable unit that consisted of mold, a non working refrigerator, and a thermostat that had no mercury in it, which I repeatedly for 4 consecutive months complained to the management about, which were causing me and my children constant health issues. After vacating the unit on XXXX XXXX, 2015, I visited the rental office to return the door key, as I was never given a mailbox key. The representative in the office refused to accept the key and declined my request to schedule an appointment to do a proper walk through of the property, implying that the property had a new management as of XXXX 2015, in which tenants were not properly notified in a timely fashion and that I would have to submit a new 60 day notice to vacate. I attempted on several occasions afterwards to contact the new management to try and return the door key, perform a walkthrough and come up with a solution to no prevail. The representative from the collection agency, then replied that regardless of what I had said to him, his call was an attempt to collect a debt and ask me how much of a payment I was willing to make on that particular day. I explained to him that I was not agreeing to the debt and would not agree to make a payment. He then said to me that if I did not comply and agree to make an immediate payment along with an arrangement that he would be forced to take legal action and that he would be sure to report to the credit bureaus the said debt and that he would see to it that I would not be able to obtain another rental property for at least the next 7 years. He then went on to say to me that he was sure that I did not want to be displaced nor did I want to deal with his company moving forward with any legal actions because of my refusal to make an immediate payment. I requested that his agency send me proof of validation and verification of the outstanding debt that they believed I owed the original creditor within 30 days, which his company failed to do in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have XXXX concerns with the mortgage servicer, Caliber Home Loans:1 ) I was provided an annual escrow disclosure statement by Caliber Home Loans and notified that my shortage was {$92.00} on XXXX XXXX, XX/XX/2015. I paid the mortgage shortage amount in its entirety ( {$92.00} ) and the funds were posted on XXXX XXXX, XX/XX/2015, but listed on my XXXX statement as " single item receipt. '' I contacted the servicer to determine whether the payment was misapplied and why the monies I sent were not applied to the escrow shortage as directed on my check, and informed that they would counduct a new escrow analysis on my account. In the meantime, my new statements reflect the increased amount of $ XXXX/month from {$710.00} ( prior to the escrow shortage statement ) which includes an escrow adjustment amount of $ XXXX/month which should have been satisfied with the escrow shortage payment. 
2 ) I inquired with Caliber Home Lans whether my account was eligible for cancellation of the private mortgage insurance on this account. I faxed a letter on XXXX XXXX, XX/XX/2015 to an address and phone number supplied by the customer service representative : Caliber Home Loans, Attn : PMI Department, XXXX XXXX XXXX, XXXX, TX XXXX and fax number, XXXX. I contacted Caliber Home Loans again on XXXX XXXX, XX/XX/2015 and spoke with XXXX ( ID # XXXX ) who indicated that my request was received on XXXX XXXXXX/XX/2015. Based on my payment history ( no late payments ) and length of my mortgage, he confirmed that I qualify for cancellation/termination of private mortgage insurance ( PMI ). To date, I have not received a written acknowledgment from Caliber Home Loans of my request for cancellation, or instructions on next steps. A review of my statements, however, show that I 'm paying approximately $ XXXX/month in private mortage insurance. I would prefer that those monies immediately be applied to the principal of my loan, and not to a financial instrument that I 'm not required to have, or desire to have any more.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (OH).
Issue: Deposits and withdrawals

Complaint: I purchased my first home on XXXX XXXX 2015. I used XXXX XXXX XXXX XXXX for my closing. When they paid my first tax payment, they wrote the check payable to the County Treasurer 's office but mailed the check to my homeowner 's insurance company, XXXX XXXX, on accident. XXXX XXXX company did n't pay attention to the payble to line on the check and deposited the check. Chase bank allowed them to deposit the check to even though the check was not payable to them. My biggest complaint in all of this is that the bank allowed XXXX XXXX to deposit a check that was made payable to the treasurer 's office. 

The reason Chase Bank is my main complaint is because of their response when I filed a complaint with them. 

Chase Bank 's response was that when a check is deposited by a business, they do not look at the payable to line. Then they stated they would not discuss the matter further because neither the account the check was deposited to nor the account the money was coming from ( XXXX ) did not belong to me. Because they allowed this check to be cashed, my property taxes were very nearly late. I received and overage notice from XXXX XXXX XXXX XXXX late in the day ; I deciphered the situation on XXXX XXXX ; I mailed the check XXXX XXXX. Taxes were due XXXX XXXX. Also, I had to pay for the taxes out of pocket until the hold on the insurance company check cleared with my bank. 

As an individual, if I tried to deposit a check that was not payable to me, there would be severe repercussions. If a wife tries to deposit a check payable to her husband into her husband 's account, she ca n't even do that with Chase bank. Why do these rules not apply to companies as well? 

XXXX auditing process is the reason I caught this mistake. Their timely overage notice XXXX days prior to my taxes being due was the saving grace in this situation. XXXX XXXX XXXX XXXX admitted their mistake and refunded my {$200.00} closing fee. Why is it that the bank is the only agency in this matter that is not being held accountable for their ineffective business processes that potentially harm the individual? 

I have filed complaints with multiple agencies regarding this issue and all of them have said they do not govern the institutions and can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Receivables Performance Management ( RPM ) placed an item on my credit report without my knowledge as a collections account. I have no idea who they are nor do I owe any alleged debt with them. I called them on XXXX XXXX, 2016 at XXXX PST and they abusively hung up on me twice. I was inquiring as to why they placed a collections account without prior notification nor any notice to dispute, the collections agents were rude and hostile when I called them in flagrant violation of the Fair Debt Collections Practices Act. RPM is flagrantly violating the Fair Debt Collections Practices Act with their abusive and hostile debt collections practices. I recorded all the phone calls with them including when they hung up on me twice in an abusive and hostile manner.

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 05/25/2016 about Mortgage (Conventional fixed mortgage) with PROVIDENT FUNDING ASSOCIATES (FL).
Issue: Credit decision / Underwriting

Complaint: addition to complaint XXXX Provident is now asking for duplicate documents, typo correction from insurance company on documents they have had for weeks, wife 's professional licencse ( even though two years complete XXXX 's provided as well as employment verification through the state of FL ) and now want us to execute a new sales contract extending the closing date past XXXX/XXXX/16 even though contract already has a built in extension for compliance with CFPB rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Payday loan) with Clearview Resolution Services (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A representative named XXXX XXXX from XXXX Department called me at approximately XXXX saying that they are in possession of a debt XXXX from XXXX from XXXX 2007 in the amount of {$300.00}. He said that I am being named in a Civil Lawsuit as the Respondent pending a lawsuit of up to {$15000.00}. XXXX XXXX never indicated that the call was being recorded nor they were a debt collector trying to collect a debt. I was asking for verification information because I do n't recognize the debt and it 's ten years old. He said he will tell the client that I am refusing to pay the debt, he never offered to send me a copy of the debt either by mail or email. He was rude and angry he also over talked me and then hung up the phone in my face. He never offered to send me a confirmation letter of the debt. He called my estranged husband with the same threats and we are separated.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Managing the loan or lease

Complaint: Auto Loan with Capital One, in XX/XX/XXXX I paid off my daughter 's loan I was the co maker on the loan with her. we purchased the Vehicle from XXXX at XXXX XXXX XXXX, XXXX XXXX, La XXXX at the time of purchase Gap insurance was applied to the loan. when we paid the loan off Capital one informed us that we were possibility due a refund of the unearned premiums due to paying off the loan early, I went to XXXX, to request a refund as indicated by the letter from capital one. XXXX filled out the attached request for the refund on XX/XX/XXXX..as of this date we have not received the refund nor any correspondence, I went to the dealership several time, only to be told it would take about 8 weeks. Almost 14 weeks and no response. I am of the feelings that no Gap insurance exist.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (I do not know) with Kimball, Tirey & St. John LLP (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to this account they are reporting allegedly on my credit report. To date, I have not received any validation document from this company. More than 30 days have already past and this account is still unvalidated. The account number, balance, opened date, date account assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Borrower : XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX ; XXXX, MD XXXXLoan XXXXLender : Caliber Home LoansFormal Complaint Against Caliber Home LoansCaliber Home Loans, Inc. tax department made an error on my mortgage. They thought that Caliber had to pay a {$1900.00} tax bill twice annually. 
Which made my mortgage payment ( PITI ) escrow almost {$400.00} a month more over andabove my current mortgage payment. My current mortgage payment XXXX PITI XXXX is {$620.00}. However with this tax error on the part of Caliber my mortgage payment is over {$900.00} of which, I can not afford and will not pay due to Calibers error. 
However, after my complaining numerous times. The tax department finally realized that the taxes of {$1900.00} was payable only once a year not twice in one year!!!!. Caliber tax department via the tax department supervisor XXXX XXXX spoke with me twice and assured me the problem would be resolved. It has not!!! I am still being wrongfully chargedover {$900.00} for my mortgage payment that was wrongfully calculated by Caliber Home Loans. Caliber has put my loan in the Collections Department, they have sent me loss mitigation documents they say I am behind two payments. I continue to send in my correct loan amount of $ 624 monthly and not the over {$900.00} that they wrongfully calculated for the escrow due to their mistake. I have tried to no avail to have this problem resolved within Caliber and can not. I was told by a person in the tax department that theresearch department that handles these issues as a very large backlog and I had to wait my turn. I should not have to pay an excessive {$400.00} a month for escrow due to an erroron the part of Caliber.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief