milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I spoke with someone on the phone at FedLoan Servicing a few weeks ago in order to have the maximum amount of a recent payment first directed toward my loan with the highest interest rate. The payment amount was more than sufficient to pay this loan off in full. The request also asked that the remaining amount of the payment go toward my loan with the second highest interest rate. 

I submitted this same request via email prior to my phone call, but received no response from FedLoan Servicing in return. 

After my phone call, I was told to wait 20 days. Now that 20 days has passed and the payment has finally been re-allocated, I see that my directions were not followed correctly. I wanted to pay off the high interest loan IN FULL, which is exactly what I discussed with the representative on the phone a few weeks ago. Instead, the money was re-allocated in some random way between all my loans. I am getting concerned that interest is accruing despite the fact that the check has been cashed for some time now and my request for a full loan payoff has been made numerous times and is still not implemented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (NH).
Issue: Struggling to pay mortgage

Complaint: I previously filed a complaint, to which Caliber Home Loans responded, however, their response is inaccurate. 

They indicated that I had a cease and desist with my former servicer XXXX, which was false, and that the cease and desist follows my mortgage. In the same vein, they stated that they have no modification information ( which was included in court order ) and that information does not follow the mortgage? How is it possible? 
They continually refuse to speak to me, although I have a court order stating myself as the co-borrower and therefore should be communicated with as such. 

Per instructions from a representative of XXXX XXXX XXXX XXXX I sent in writing authorization to speak with me. I received a response, that they would investigate my claim of error, and instead my home was foreclosed on. I was denied my legal rights to pursue any and all avenues to prevent the foreclosure, which took place outside of the legal time of notification by. Using the United States Postal Service, Caliber has sent false and misleading documents regarding my mortgage, their impending investigation into my claims of error. Caliber indicated their release from PMI was due to my mortgage status. Again, this is false and misleading as Caliber was not involved in the release of PMI and no such statement was made that PMI was being released due to default. 
After I filed my initial complaint with CFPB, I received another letter from Caliber Home Loans dated XX/XX/XXXX stating " acknowledgment of receipt of my correspondence and we will perform the necessary research and respond within the time period required by law. '' This is the same letter that I received on XX/XX/XXXX from Caliber home loans " Notice of Error, Request for Information or Qualified Written Request. This information has continually been sent to Caliber Home Loans, Inc ATTN : Customer Support and Escalations Team XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (I do not know) with LPSG (AR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Recieved a call telling me that I needed to call or there would be charges from this number but told me to contact a different company when I ask what the bill was for the Lady refuses to tell me

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 09-04-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (WI).
Issue: Money was not available when promised

Complaint: Hello. My account on PayPal has been placed on restriction. I have sent them the documents they asked for but responded that my account would remain restricted for 180 days at which I could than withdrawal my money. PayPal contacted me on XXXX XXXX 2017 and then again notified me after receiveing documents my account is still restricted for 180 days on XXXX XXXX 2017. The ammount they are holding and won't let me withdraw is $XXXX. I have sent emails to PayPal asking to handle this problem and after doing a lot of research have found reaching out to them is no help. So I now look for your help to help my buisness keep its good name and my customers receive there product. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: American Express needs to refund me with a charge for which I did not receive acceptable service. The American Express 's internal dispute system is not working properly, customers ' disputes just disappear after a customer wasted a lot of time on filing. So I file a dispute here instead. 
I dispute a transaction of {$31.00} from XXXX as of XX/XX/XXXX. The service was scheduled to be rendered to me on XX/XX/XXXX, but instead I was humiliated by the service provider. So I need a refund regardless of what XXXX offers - they just want me to accept XXXX credit, so basically XXXX is trying to upsell on me. I also claimed the refund from the service provider itself - XXXX, but they disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Back in XXXX or XXXX I filed a compliant in ref to my mortage company Slect Portfolio Servicing, after the complaint was filed thatnks to you 's I was able to get a modification with was suppose to tart new payments on XXXX XXXX, According to them they sent me some papers in which needed my signature and I was suppose to fax and mail papers back to them, according to them those papers were sent and they were calling to se if I had fax & mail them back to them, I explained to Rep that as of that day I had n't received there papers rep informed me that they will send new papers out and that as soon I received them I was suppose to fax & mail them back to them, papers arrived 6 days later and as I was told they where sign, fax and mailed a couple of dayslater I received a call from them I which I was told that paper work was not received and they want to know why, I explained to rep that papers were sign, fax and mail and according to them they had not received them I told rep that I had made copies and that I will refax and mail my cpies to them she stated that they will arrive late and that she will see what can be done but that since it was just XXXX days later she did n't think it would be a problem she will let me know.I waited a couple of days then I received a call from them letting me know that nothing could be done if I wanted they could send me a new set of papers so I could start from scrath and see what happens a couple of weeks ago I received a letter from the court stating that my home once again was in foreclosure again and the date will be XXXX, I received their paper work I completed it mail it express mail, I received a call and was inform they had received papers but that they can not submit a hold on the forclosure because papers have to be reviewed and then they can submit a hold, I take responsibility for papers being later due to the fact that they were sent to me late but what am I going to do now, my case # was XXXX.Please let me know what can be done now to see how can this be fit.Thank you XXXX Bless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Not a duplicate. To be delivered to each CRA at issue. In XX/XX/2014 the XXXX division conducted an investigation into acct # XXXX and determined that the item should be deleted from my credit report as I was never behind in payments. Even though another CRA was in compliance with removing this item, TransUnion failed to remove the item from my credit report. This has caused unjust damage to my credit report as creditors view this item as adverse. This item must be immediately deleted as according to the investigation conducted in XX/XX/2014 by the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Delinquent account

Complaint: I have a legitimate debt with a collection agency. Recently, they have begun calling my adult son 's cell phone number about my debt. This is harassment, as he does not live with me and is not responsible for my debts in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Payday loan () with TMX Finance LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I have always paid on time and when I am going to pay late, I call the office and go in to fill out a form. My payment was due XXXX XXXX which was on a Saturday and they are no longer open on Saturdays. I went in to the office on Monday, XXXX XXXX to fill out a form and let them know that I was going to be late paying. On Wednesday, XXXX XXXX, someone came to my house and left a letter that they came by trying to get in contact with me. I spoke to someone from the office and no one can explain to me why this happened.They also took an unauthorized payment from me in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with loanDepot.com, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I recently inquired at various banks and direct lenders about taking out a HELOC to help pay for renovations on an investment property. I was put on a robo call list for Loan Depot after I made an inquiry on XXXX online. I was specific about my HELOC product when I filled out the initial screener questions from XXXX. 

I spoke to a representative from Loan Depot on XX/XX/18. I again reiterated with the screener that I was interested in obtained a HELOC on a rental property to pay for renovations. He assured me that was not a problem and would hand me off to a licensed individual with their company to ask a few more questions. 

I was then put into contact with XXXX XXXX XXXX XXXX Licensed Lending Officer NMLS # XXXX Phone : ( XXXX ) XXXX email : XXXX We spoke on the phone at length and he asked a few more questions about my goals and personal information for the online application. A no point did he clearly state that he was applying for a new mortgage on my rental property and never discussed that his company does NOT offer HELOCs on rental/investment properties. 

Only after completing a hard credit check and then discussing the various options did I figure out he was only trying to price me out on a new mortgage. He never apologized and became very defensive when I stated that I was only interested in a HELOC and was upset that he wasted my time ( and credit check ) on something I was never interested in. 

I spoke to his manager later that evening ( who was much are respectful and responsive to my situation ). Ultimately, I do not know if this was an honest mistake or if this is the result of some underlying corporate drive push aggressive sales tactics ( a la XXXX XXXX ) or maybe due to some overzealous licensed mortgage broker who is gunning for extra commission ( XXXX XXXX ) or maybe even a combination thereof.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  and TransUnion because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with U.S. BANCORP (MN).
Issue: Billing disputes

Complaint: Hi, US bank has an 'autopay ' feature to pay off one of there credit cards. Once you set that up, you can not go back to see when you scheduled to pay off your credit card. I called into US Bank to CONFIRM that I did schedule autopay to pay off my entire balance when it was due. 

The day the payment was scheduled, US Bank paid my full balance TWICE. This caused me to overdraft in my external bank account ( did not have enough money in that account for TWO payments ). US Bank then charged me interest ( {$11.00} ), 'returned fee charge ' of {$25.00} and more money at my external bank due to the overdraft ( which reversed the fees ) for a 2nd payment that should have never occurred. 

Again, this autopay payment was confirmed via a rep over the phone before it even went through. It paid my statement twice, causing an overdraft in my external account. I get hit with interest charged a returned fee charge for a second payment that should have never occurred.

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 monetary relief
Consumer complaint received 10/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Cherrington Firm PLLC (UT).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Cherrington called me requesting payment for a debt I did not know I owed. My utilities that I thought had been paid off, had gone to collection XX/XX/2016, but I was not notified until now ( XX/XX/2016 ). The original debt was for {$300.00} and Cherrington has more than doubled it with fees. I told them I needed to verify the debt and they were pushy to have it paid without verification. After I called my utilities to verify I called back and offered to pay the original debt. They refused to take anything less than {$700.00}, which I did not have. So, they threatened legal action if I did not pay that same day or set up a payment plan that would total {$900.00} if not more. They also brought up an old debt of 10+ years and said they would tack that on to the payment. No legal action had been made on the old debt and I had n't even heard that I owed it until now.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit reporting () with EQUIFAX, INC. (ND).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to obtain a credit report from annualcreditreport.com, months ago. Equifax would not mail the request due to some form of problem. I received a response from Equifax dated XX/XX/XXXX. requesting additional identifying documents. I mailed them a copy of a XXXX with my SSN and a copy of a utility bill along with a copy of their request letter. I then received notification dated XX/XX/XXXX. that I must provide additional identifying documents, like the ones I already mailed. Equifax has been provided with the best identifying information I have available and I have not been able to obtain a credit report from them, as required by law. 
I once again attempted to obtain a report from Equifax through annualcreditreport.com today. Once again I am unable to receive any report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with JPMORGAN CHASE & CO. (FL).
Issue: Fraud or scam

Complaint: Last week I received a cashier 's check ( issued from XXXX XXXX ' XXXX XXXX out of North Carolina ) in the amount of {$1800.00} as payment for some furniture I was selling. However, the furniture sale price was only {$140.00}. I did not know the person as I sold the couch via the XXXX mobile app. They informed me that they were out of town and buying the couch for a relative. I deposited the cashier 's check via Chase 's mobile app, but it was pending for a few days. I eventually called Chase and they contacted the credit union who issued the check. They confirmed the funds and released them to me and it posted to my account. I was then instructed to take the remaining {$1700.00} and deposit it into their XXXX XXXX XXXX account for the movers. I had the teller verify the account name and number beforehand. On Monday, XX/XX/17, the {$1800.00} had been returned as the check ended up being fraudulent. Therefore, I had {$1700.00} stolen from me. The name of the remitter on the check was XXXX XXXX XXXX. However, they went under two different names ( on the XXXX XXXX XXXX account and XXXX app ). I have already reached out to Chase, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX and have received no resolution. I also filed a police report with the XXXX County Sheriff 's office here in Florida. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Conventional fixed mortgage) with Statebridge Company (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage that is currently being held by Statebridge Company, LLC. In XXXX XXXX they stopped sending me a paper mortgage statement. I wrote a letter AND called every month requesting a statement. They did not reinstate my paper statement until XXXX XXXX at which time it said that my mortgage payment was reduced. I paid the regular payment anyway in XXXX. In XXXX I received a statement saying NO PAYMENT DUE. I called and was told that the payment was indeed lowered based on an escrow analysis and that my taxes AND insurance were still being escrowed. In XXXX XXXX I received a new analysis and my payment had skyrocketed. They informed me that my escrow was short and that they needed to recoup their money. They also informed me that they STOPPED escrowing my taxes. I never gave them permission to do this. I also do not know what happened to all the extra money I was sending prior to learning that my payment was lowered. They 've totally screwed up my account and created a payment I can no longer afford. They told me I needed to buy a property I can afford and it 's not their problem. I have nowhere to turn and can not afford the higher payment. I escrowed my taxes because I can not afford a large lump sum payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXXandXXXX XXXX, XXXX bac XXXXALL the parties above, Have all committed Fraud and not allowed me to apply for short sale by home and given me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXALL the parties above, Have all committed Fraud by not giving to me the correct " notice '' that XXXX XXXX is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX XXXX XXXX officeXXXX cellXXXX XXXX XXXX officeXXXX cell

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Bank account or service (Savings account) with DISCOVER BANK (AZ).
Issue: Account opening, closing, or management

Complaint: Please refer to Case number : XXXX submitted in XXXX this year. For two months my entire money {$15000.00} plus interest is held with Discover and I am not seeing any hope to get it recovered from them. Please help me with this case. I will be out of country during XXXX XXXX to XXXX XXXX, 2016. I would like my money to be deposited back into my ally bank account ( originally from where i got it into this Discover Savings bank account ). I had email exchange with Discover but that email trail also nothing happened. I ca n't access my money for around 2 months now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I mailed a letter to Experian, in which I disputed various inquiries. This letter was sent on XXXX/XXXX/17 and I have yet to receive a letter from to address this issue. I contacted Experian on today, XXXX/XXXX/17 and spoke with XXXX as well as XXXX who advised they do n't investigate inquries as they are matter of fact. I explained to them both that according to the FCRA, any item on the credit report can be disputed, it does n't given an exception of INQUIRIES, being among any items that are off limits. I feel that they have failed to investigate the items and it has been well beyond 30 days and it is only fair that they remove the items that are listed on my dispute/request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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