milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: My complaint is with Freedom Mortgage, XXXX XXXX XXXX, XXXX, Ind XXXX ; the mgr. of the Tax Dept is XXXX XXXX. The first problem arose when {$930.00} was required monthly as the escrow payment. The total annual property tax for XXXX is {$8200.00}. The monthly amount should be {$690.00} in 12 monthly increments. Instead, Freedom requires an additional {$230.00}. When we questioned the excess amount, Freedom said they were assuming a large tax increase in XXXX. This assumption conflicts with California law which limits an increase to 2 %. The assessor analyzes property values each year and adjusts the tax bill up or down based on this analysis done between XXXX and XXXX. 
Currently there is {$9200.00} of our money in that escrow account. The extra {$230.00} over six months will be {$1400.00}. We did not want an escrow account as we are able to pay any property tax and did so with other mortgages, paying directly with no deliquencies. Freedom does not allow us to manage the property tax payments although they are doing a poor job and failed to pay the taxes on time. We sent a fax to Freedom with the tax bill in XXXX and asked that the entire amount be paid. Customer Care provided the fax number. The fax was addressed to the Tax Dept. The County tax office confirmed this week that the tax was unpaid and delinquent with a penalty assessed. A call to Customer Care revealed that the fax was buried somewhere in the files and was not forwarded to the Tax Dept. We want the escrow account terminated given the incompetent management. Calling Customer Care is useless as each time you get a different person. We were told to send the tax bill but were not given the correct fax number. Freedom does not issue guidelines for tax bill payment and apparently does not track tax information on the County website where the tax bill, including the Secured Supplemental Tax Bill is  displayed. This is a flawed system that does not work for the consumer. That impound account belongs to us and we are capable of handling the tax bills. Please help us out of this nightmare. There is no benefit to us from this arrangement.

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 08/17/2016 about Debt collection (Payday loan) with National Principal Group, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husband received a call from XXXX. I then called the number myself and spoke with someone named XXXX from XXXX XXXX XXXX. He said he was attempting to collect a debt for a pay day loan that was given to me on XXXX XXXX, XXXX by XXXX. I told him that I never did that and he then read off my SSN and an old address I had not lived at since XXXX. I asked him to show me verification that I owed this money and he said that mailing me something would n't make a difference. I told him that I did not owe any money and he said over & over again that it did n't matter what I thought, I was legally liable for {$620.00} whether I thought I owed it or not and the only way I was not legally liable for it would be if I could show proof that my identity was stolen and to give them the name of the person who stole my identity. He asked if I planned on resolving the claim and I told him that without him showing me any documentation that I believed this was a scam & then hung up. 

I checked all three credit reports and neither the loan or debt collection is on my report. I filed an identity theft complaint with the FTC and I was also encourage by my lawyer to file a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received several phone calls over the past few weeks from this company and they never leave a message other than breathing into the phone. Called them back today and I asked the nature of their business and they stated they " dealt with private matters and could n't reveal that to me ''. I then gave them my phone number to see why they were calling me and they claimed I owed an outstanding debt for a XXXX XXXX account ( which has already been dealt with ). I informed the woman of that and she got very belligerent, called me a liar, and stated that I owed them money and I had to pay them now or else they would be filing a lawsuit. She then demanded I confirm my address and give her my credit card information. When I told her I would n't be giving her that over the phone she proceeded to yell at me and tell me that " it 's people like you who make me sick. Just give me your information so you can pay your bill ''. I repeated that the bill was paid and that I would be reporting them and she said to please do. I also demanded they stop calling me and she said she could only do that once I confirm my address. I threatened legal action if I received any more phone calls, at that point she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Other debt) with Access Receivables Management (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I revived a call from Access Receivables Management a couple weeks ago attempting to collect a debt that was sent to them from the XXXX XXXX of XXXX XXXX. I am disputing that debt. The debt collector who called identified himself as having served in the XXXX for 4 years, upon hearing that I was in the XXXX XXXX XXXX. I had told him that I was in the XXXX XXXX XXXX and was using my Post XXXX XXXX XXXX to attend the XXXX XXXX XXXX XXXX. I explained to him that even though I had submitted a certificate of eligibility and was told the VA would pay my tuition, the VA failed to pay my tuition in a timely fashion and I never got my XXXX. 

The debt collector told me that it was wrong for me to use the XXXX to pay living expenses and that I could get in a lot of trouble from the XXXX XXXX for doing that. This was dishonest on his part and an attempt ti scare and intimidate me. This violates the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) ().
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Fredrick J Hanna, with out insuring that I knew the court date went in to court in XXXX and claimed that he was suing me for XXXX XXXX Bank but instead of forwarding the Check to XXXX XXXX Bank deposited it in his account, Copy of the check attached. I have been trying for 7 months to get a signed receipt from Fredrick J Hanna showing where these proceed were credited to a XXXX XXXX Bank account that was in my name, Both Fredrick J. Hanna and XXXX XXXX Bank refuse to send me the requested signed receipt Via email showing where the proceed from the suit were credited to a XXXX XXXX Bank account in my name. Fredrick J Hanna and XXXX XXXX Bank refuse to tell me why I was n't given a receipt for these Proceeds. I request that CFBP forward this complaint to some place that will encourage Fredrick J Hanna and XXXX XXXX Bank to forward my request to my via email ASAP I want to report this when I file my 2015 income Tax.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Franklin Collection Service, Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been disputing this account for quite some time. I am still waiting for it to be removed. I do not recognize this account and have asked XXXX for them and XXXX XXXX to verify account and send me documents verifying the account or to please remove from my report. Now they have added an extra {$18000.00} to the account. I would like to have this removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Trouble during payment process

Complaint: I inadvertently missed my XX/XX/XXXX payment on my mortgage. The amount was {$1800.00}. It came to my attention after XX/XX/XXXX, so on XX/XX/XXXX, I called XXXX XXXX XXXX at their customer service number ( XXXX ) XXXX and spoke with a representative. I made three ( 3 ) payments : One for {$3600.00} for the months of XX/XX/XXXX and XX/XX/XXXX ; and one for {$1800.00} for the month of XX/XX/XXXX. For convenience sake, I made the {$3600.00} payment utilizing checks drawn from my credit card account, which were secured by XXXX XXXX XXXX. When I made this payment, I specifically advised the representative that they were credit card checks, because I was mindful that mortgage companies do not accept credit cards. The representative specifically advised me that the payment method was acceptable. Now, XXXX XXXX XXXX has, after the fact, rejected the credit card check payments. It has furthermore registered my account as delinquent by two ( 2 ) payments, and is making us pay the next six ( 6 ) months via certified funds. This has resulted in tremendous extra cost to me, and will result in extensive additional time, effort, energy, and cost moving forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} ). This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 



P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 04-02-2015 about Debt collection (Auto) with Data Line Credit Corp (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX which I traded in my XX/XX/XXXX Volvo.I then signed contract and release of liability to the dealer.I still have the contract.Three years later I received a letter from a collection agency that I owe them XXXX dollars for the car I traded in, that was towed from XXXX XXXX XXXX XXXX said at the time the car was still in my name.So I went back to the dealer and the dealer before was sold to another company.I spoke with XXXX XXXX and did what they told me and it is still on my credit report.I am really frustrated on what I am going through.The collectors will not listen to me.What can I do.The agency is Dataline Collections in XXXX XXXX California.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Managing the loan or lease

Complaint: I bought out my lease from Chrysler Capital. The buyout was XXXX. 
I sent a check to Chrysler capital for XXXX which INCLUDED the New Jersey Sales Tax of XXXX. 

I received the Title for the vehicle alone with a " Bill of Sale '' stating I PAID NO SALES TAX. 

Now when I got to title the vehicle in New Jersey, New Jersey division of motor vehicles wants to collect the sales tax on the XXXX. I ALREADY PAID THE TAX TO Chrysler capital. 

I have proof of my cancelled check to Chrysler Capital in the amount of XXXX. 

When I contacted Chrysler Capitol they told me " THEY DO NOT KNOW WHERE THE MONEY WENT '' This I feel is unacceptable and deceptive as a business practice. They also sent me what I am calling a fraudulent document stating XXXX DID NOT pay sales tax, whereas I previously stated, I have a cancelled check showing the taxes were paid. 

I am unable to title or register my vehicle. I do not know what my recourse is anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I filled for a mortgage modification with my mortgage company, Wells Fargo on XXXX XXXX, XXXX. On XXXX XXXX, XXXX they told me my mortgage was not in active modification review after my file had been submitted. XXXX XXXX, at Wells Fargo was my representative but they change it every month. Since that timeI would submit files to Wells Fargo and my home preservation specialist would tell me they do n't have access to my Wells Fargo XXXX Portal. Other Wells Fargo Reps have told me they can see any file I put into my file via the Web Portal. 
My file was submitted and a decision was never submitted through the XXXX Portal. there is no decision on my file. and I am now File. On XXXX XXXX, XXXX Wells Fargo did an interview with me to request extension. they did an interview on me and instructed me to fax them documents. I turned in the documents and spoke to the extension 7 day team. But when I spoke wells Fargo two days later, Monday XXXX XXXX, XXXX they told me it was too late to stop the sale and that my house was in auction as we spoke. I called them XXXX XXXX, and they told me they sold my house in auction. Then I got a letter from them dated XXXX XXXX, XXXX and they were now going to do some research on my house and they would get back to me on if my house was sold. I am stressed out and I cant eat. 
On XXXX XXXX, XXXX Wells Fargo informed me that they sold my house at Auction. I love my home and I want to keep my home. I first bought it in XX/XX/XXXX. This is my XXXX home and its for my son. So this is quite traumatizing. They are trying to sell my home without making a decision on my request for modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Payday loan, title loan, or personal loan (Installment loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Struggling to pay your loan

Complaint: I have fallen behind in my payment schedule with the company. I have made a payment today to reduce the balance. However, the company has called 5 times ( 4 times to my cell number and 1 time to home number ) today from different numbers creating an environment of harassment : Number Time ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( Placed to my home number ) ( XXXX ) XXXX XXXX XXXX I was under the assumption that this type of harassment had been addressed during the time when XXXX XXXX XXXX and the CFPB reached an agreement in XXXX regarding the tactics employed by ACE. But it appears that the company has disregarded the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To whom i t may concern : The following informatio n is my contacts : Attorney at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Missouri  XXXX   XXXX  --  XXXX  or  XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   ,  MO  XXXX   XXXX  In   2016   I filed Bankruptcy with my Attorney. I did NOT include my mortgage in the bankruptcy. When the bank was informed of the bankruptcy their attorney charged me {$750.00} to investigate the bankruptcy. They attached this charge to my loan. The bank has now informed the credit bureaus that my mortgage loan with them was included in the bankruptcy and that I have not made any payments on the loan.  <P/> I tried to contact the bank attorney and was told it would cost me to speak to him and that he had to right to as he did on my account. I talked to my attorneys secretary who said the bank has every right to report as they see fit. I did sign a re-affirmation that said I would continue with my payments on the loan.  <P/> I know the bankruptcy will stay on my Credit Report. However should I decide to sell my house I will never be able to rent anywhere because of the false reporting on my mortgage payments.  <P/> How can I get this fixed? Can you help me? Please see what you can do to help with this situation.  <P/> Regards

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Byrider Franchising, LLC (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Letter sent to XXXX to remove remark from credit report. Loan was closed through bankruptcy and is still being reported to credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (KY).
Issue: Struggling to pay mortgage

Complaint: We where in a modification with Nation Star Mortage. We had last trial payment due. When the payment was processed We discovered that someone had stole our identity on our accounts and filed Tax returns for 2016. I explained to Nation Star about this and sent a letter of explanation. I did n't want a modification but for them to reinstate the loan moving forward. We have placed fraud alerts on our accounts and are trying to get this back in track. We have equity in our home. So the loan to lend ratio is solid.    I am just asking to reset and move forward this was never an issue with making payments on the mortga ge. Four payments w ere made prior to this identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Inquiry on  XXXX / XXXX / 17 . I   did not authorize this inquiry.
<P/>
This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Problems caused by my funds being low

Complaint: I Bank with Chase I have banked with them for over 15years. Every few months they hold transactions and charge insufficient fund fees. I have mobile banking so im am constantly looking at my account. Ihave some payments that come directly out of my account so I know what time and when they will be drafted. I also have direct deposit. So I know when the bills should be drafted. After speaking with a rude customer rep. They informed me that you only get XXXX reversals a year and I had reached my limit. After having this same issue early in the year.. JP Morgan Chase like every other Bank are taking advantage of customers. It showed on my end that my drafts had cleared, Then on the next day I get insuffcient fund fees. No one has hundreds of dollars to give to large banks that are ripping people off. If I was writing bad checks then I deserve it. But im a poor working class woman, and the XXXX gentleman that I spoke with could careless, their main concern was putting money back in to the banks pockets. This is a scam they do every month to everyone. When you have to account for every dollar you know how much goes out and what comes in. JP Morgan Chase needs to be investigated for over charging and illegal activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2017 about Mortgage (Conventional fixed mortgage) with CIT BANK, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: IndyMac/OneWest/XXXX and XXXX XXXX XXXX duplicated my credit status pertaining to the mortgage I had with IndyMac. The information submitted to the Credit Bureaus was duplicated. The same information was reported twice. One by IndyMac/OneWest/XXXX and the other by XXXX XXXX XXXX. This is incorrect reporting.

Company response to consumer: Closed with explanation