milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Dovenmuehle Mortgage, Inc. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my Mortgage on XX/XX/2016. The funds have been withdrawn from my back account. The mortgage company, DMI then sent on XXXX a statement that I owed then {$40.00} for an NSF fee. In addition, they reversed the payment as well. My bank maintains they have my payment and no NSF was ever indicated by them. I spoke to DMI team member, XXXX on XX/XX/XXXX, when I received the notice. I emailed my bank statement and she said this would be corrected that night. I still have not seen the correction online, nor does XXXX return my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX mtg reporting account XXXX as XXXX owing and XXXX days past due. It reports open XXXX with no credit limit but a payment of {$260.00} and XXXX balance. I have never had an account with XXXX mtg with this information ... unsure if it 's error or somebody else 's account. needs to be removed from all XXXX major reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: Received a phone call from an alleged ( Pro collect ) XXXX or XXXX credit debt collection agency regarding an apartment that was rented, which the operator ( XXXX XXXX and XXXX XXXX ) stated we still owed {$1000.00}, to which we have never received a bill or contact from the Latitude Apartments XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. On XX/XX/XXXX we turned a 60 day notification and asked if we would be able to move out by XX/XX/XXXX, we were told yes they were unable to find our lease, so we proceeded. We turned in the keys and left a clean apartment on XX/XX/XXXX, after that we proceeded to call the apartments on several occasions, to ask if we owed anything we were told no. We proceeded to leave our forward information for any future questions, still not receiving any bill. The collection agency has been a nightmare, very rude staff, and unable to help us resolve this mistake, continually threating to ruin our credit.

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 02/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX I joined XXXX XXXX, under ABC Financial. I received 6 weeks free, and cancelled my membership after 2 weeks, leaving me with no charges. The membership was never cancelled, putting my account into collections. XX/XX/XXXX, the new club manager, XXXX XXXX contacted me asking if I 'd like to resolve the issue. We agreed that I could pay {$300.00} and he would take my account out of collections and remove the debt from my credit report as long as I stayed a member of the club while paying the {$300.00} in {$50.00} installments. In XX/XX/XXXX I was charged for {$12.00} more than we had agreed upon. I contacted XXXX XXXX and he put {$50.00} towards my {$300.00}. I cancelled that debit card and only paid by check from then on. I paid the remainder of the {$300.00} XX/XX/XXXX. XX/XX/XXXX, my bank account was charged for over {$1700.00}. This charge was unauthorized, and my bank account information was taken from previous checks.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (AZ).
Issue: Trouble during payment process

Complaint: I followed the procedures to have my PMI removed on XXXX/XXXX/XXXX from my mortgage payment and I meet the qualifications set up by Roundpoint Mortgage. My XXXX is at XXXX XXXX after a recent appraisal which is better than the XXXX XXXX requirement and I have made several calls to Roundpoint Mortgage regarding this because they initially called and lied to me using an incorrect calculation for XXXX. They said that I did not qualify to remove the PMI and the person I spoke to had no idea what they were talking about regarding the XXXX calculation or an understanding about mortgage insurance. After several calls I finally reached someone that understood how to calculate XXXX and they agreed with me that I meet the qualifications, yet I have not been able to speak with a supervisor and associates I speak with also will not transfer me to the mortgage insurance department. I explained that I would be reporting them for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am a part of the Equifax security breach and would like to file a complaint against Equifax. The following is the statement I received after entered my personal information on their website regarding the breach : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Sincerely, A XXXX XXXX American

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: All XXXX ( XXXX ) bureaus continue to place freezes or alerts on my report without my knowledge or consent. I have asked them to remove the freezes/alerts to no avail - they keep adding them. Under FCRA 605A ( a ) ( 1 ), fraud alerts can only be placed in the credit file at the request of the consumer and Under FCRA 605A ( a ) ( 1 ) ( A ), a fraud alert can be removed simply at the request of the consumer at any time ... 

I have not authorized ANY of the bureaus to place anything on my credit files and the alerts/freezes THEY have place on my files are hindering me from obtaining credit as no one is able to obtain my report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (Medical) with BC SERVICES, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of 2014, I had emergency surgery. I had XXXX XXXX health insurance at the time of the surgery. XXXX paid all claims submitted by providers. XXXX provider, Colorado XXXX XXXX, says they repeatedly submitted a claim to XXXX but the claim was denied. XXXX 's records show no claim was ever submitted by Colorado XXXX XXXX. The medical provider acknowledges they had complete and accurate insurance information for me and that I did my part of the process as a consumer. The medical provider did not perform their due diligence in submitting the claim in a timely manner. Once one year from the date of service had passed, they say they sent me a bill. I did not receive a bill from them and doubt the bill was sent ; it seems that they claim to have billed me the same as they claim to have submitted to XXXX, but no record can be found. They sent the account to collections and say I was notified, but I can locate no record of notification. 

On XXXX XXXX, 2015, I was served with a summons indicating I am being sued for the amount. It should be noted the summons was dated XXXX XXXX, but not issued until a full month later. Once I received the summons I contacted XXXX and Colorado XXXX XXXX. XXXX asked that the company resubmit. The staff member at Colorado XXXX XXXX assured me they would resubmit the claim. They did not. I had to contact the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX for assistance. They were able to review XXXX claim logs for the entire year and verified that the medical company had not ever submitted the claim. They will not submit now, which is needed for XXXX to issue me a statement of benefits showing I owe them nothing. 

Now, I am being sued for the amount of the bill, collections fees, and court fees. For something that is the fault of the health care company not following procedure. I am livid that I have no consumer protection from this sort of senseless lawsuit when I had insurance that would have paid the claim if it had been submitted.

Company response to consumer: Closed
Consumer complaint received 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Customer service / Customer relations

Complaint: Macy 's reporting me on credit bureau claiming they have my signature and drivers license, as co-owner. They refused to remove me from the acount though I told them, my former business associate added me mistakenly. I had only agreed to be authorized user.

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 07/24/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I moved from XXXX to XXXX in XXXX, XXXX, and have been a resident of XXXX since then. During the last 4 years, I have received several letters from Equifax notifying me of a " new '' address, which always turns out to be the " old '' address in XXXX that I moved from in XXXX. I called Equifax and corrected the address error. On XXXX XXXX, XXXX, I received XXXX letters form Equifax. XXXX letter said my new address was my prior address in XXXX : the second letter said that my new address was the address in XXXX! These arrived on the same day! I will scan these letters and try to forward them to you. The most recent letter I received from Equifax is dated XXXX/XXXX/XXXX. This latest letter has once again notified me that my new address is now back in XXXX. I have spent hours trying to insure Equifax that my correct address is in XXXX, but they keep changing it back to my old address in XXXX. 
What 's going on?

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: this was a result of a fraud account approved by Synchrony Bank acct # XXXX fraud balance {$740.00} this was disputed with Synchrony Ban bacl when account was Opened and deleted from credit reportsand now Synchrony bank has placed this fraud account back on my credit report this was due the XXXX Breach

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 05/17/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: In   XXXX  , my wife had   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and was not able to work. I could not make my mortgage payment on time to  Wells Fargo Home Mortgage. We submit paper work for a Loan Modification and th e bank did not approved it. Later on I visited a lawy er (   XXXX   XXXX   XXXX   XXXX   ), a nd the file bankruptcy for me, and they talked to the bank as well, and provide documentation again but the bank denied t he Loan Modification.    Now, my apartment is in foreclosure and they want also to do a short sale on the property also. I negotia ted with Wells Fargo agai n on  XXXX  for a modification and they dined it. The interest in the property is around 7 % which is not the interest on the market right now I want to keep my apartment, and I feel I am not well represented, and the bank it is not giving or helping on my situation.     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
Consumer complaint received 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filed a complaint with CFPB XX/XX/XXXX and again XX/XX/2016 [ Case number : XXXX ] about a bill from XXXX that I did not incur. 

XXXX agreed that the bill was done in error and contacted their collection agency - FOCUS RECEIVABLES instructing them to cease collection and update their records. Despite numerous requests to remove inaccurate information, FOCUS RECEIVABLES continues to submit information to the credit bureaus that they know to be inaccurate. I had my attorney submit a letter to FOCUS RECEIVABLES XX/XX/XXXX. However, as recently as XX/XX/XXXX they ( ONCE AGAIN ) Submitted false data to the 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 02-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After XXXX school, I consolidated my loans with Fedloan Servicing and have been attempting to use an Income-Driven Repayment Plan, with a goal of working towards PSLF. I have encountered myriad issues from this loan servicer, and repeatedly received conflicting information from phone representatives and failed to reach any solution with them. 

Most recently, my monthly payment ( with no recent income change ) has fluctuated between {$460.00} and {$610.00} without any explanation, without any response to my letters, and without any resolution. Previously, more than {$4000.00} of interest was capitalized due to an error of paperwork processing. Before that, a payment of {$610.00} was made for a loan payment in the amount due for that month, which changed without any notification - to {$0.00} - between the time of my authorizing the payment and its processing. Fedloan refused to refund the payment, and instructed me to contact my bank ( who were incredulous ), and currently I have an open XXXX dispute to which Fedloan replies with meaningless, pre-formed responses and refuses to work towards any resolution. 

I feel that I was egregiously misled by this sham company, and have no doubt that many other students simply trying to do good work in service of the public are being raked across the coals by a self-serving scam organization. Any time I reach a phone representative, they immediately encourage me to enter deferment, knowing interest will still accumulate at a high rate during the deferment period, and they 'll ultimately receive greater payment. 

In sum, I 've encountered numerous issues of high significance, have been unable to work towards any resolution with Fedloan servicing, repeatedly receive conflicting information from phone representatives, and am paying money that is outside of the agreed repayment term and also losing months towards PSLF. CFPB is my last attempt to resolve these many issues before I hire a private attorney. I hope the focus of this issue might also help other students in similar situations, of whom there are no doubt very many.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Consumer Loan (Vehicle loan) with M&T BANK CORPORATION (GU).
Issue: Managing the loan or lease

Complaint: I acquired a vehicle loan in XX/XX/XXXX through XXXX car sales with M & T bank. Even though my interest was sort of high I wanted to have a chance to establish a better credit history than I had at the current time. My loan was for $ XXXXXXXX7.29 % interest. I started making my payments on time the XXXX few months. My payments were due on the XXXX of the month around XXXX I was making payments later than the due date but I called every time to talk to a representative and asked what my payment was and if I owed any late fees. I was told that my payment is {$530.00} which is my monthly payment and that I had no late fees because of the grace period. I got a bill XX/XX/XXXX stating that I owe {$320.00} in late fees. I called them and was told that since I did n't ask about the how much late fees when I called to make the payment they do n't have to tell me. I was also told that I needed to read the bill and not depend on the customer service for information pertain to my bill even though I asked every time to ensure that I was squared away. I was also told that if I did n't catch that I owed {$320.00} then it would have kept rolling over until the end of the loan then I would have owed a crazy amount to them in late fees. My point is when I asked I was told different and if I was reading my bill and not understanding then I cant depend on them because its not their responsibility to help me understand or inform me after I asked them the question. After I talked to XXXX person I called back to get the number so that I can make a formal complaint and I feel like the person on the phone was very disrespectful and was not concerned with the issue that I was having. Not once did any of the representatives ask if how we could fix the problem or what could they do to help. All they did was point the finger at me and I am definitely pointing my finger at them because I believe as a customer trying to keep up my end of the deal I am being wronged and taken advantage of. This is the only service that I know that handles business this way.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Medical) with Phoenix Financial Services LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt collector has reported information to creditor bureau that I owe a debt. However I was never notified of the debt. I discovered the debt via reporting of my credit report. I then contacted the creditor bureau and the debt collector via several methods ( including certified mail ) to notify them that I have disputed the debt and request validation of the debt. However as of today despite my attempts I have received no notification of the debt and the collection agency has violated my rights by failing to provide me with validation of the debt or at the very minimal notifying the creditor bureaus of the dispute. As of date this collection was never placed in dispute despite my many attempts. The collection agency is ignoring my requesting and refusal of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My FedLoan Servicing is disorganized, they are dishonest, and they are impossible to work with. XX/XX/2016, I called to get on an extended repayment plan, and was assured that if I made a payment of {$150.00} on or before XXXX XXXX, my payment would be adjusted to roughly {$350.00}. I made that payment, and signed in in XX/XX/XXXX to make a payment. My account balance showed {$0.00}. I signed in in XX/XX/XXXX to make a payment and my account showed I owed {$550.00}. Their loan servicing practices are convoluted and impossible to navigate, their website is impossible, and their customer service is abysmal. I want their loan servicing practices investigated and I want loan forgiveness for the loan payments they have messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I had a collection removed in XXXX 2015 and now it is back on the credit report-yes I did called and the lady said that it was just taken off earlier than it was suppose to I am asking is that legal also I have disputed the collection 3 or 4 times because I have never lived in the apartments so do I have to wait another 7 years to be taken off

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 01/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We are a law firm that represents Hurricane XXXX Victims. We have achieved a settlement for our client. We are listed as a payee on the settlement check as well as Residential Credit Solutions. Residential Credit Solutions refuses to endorse the check so we may recover our contractually obligated fees and expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Bank account or service (Savings account) with BBVA COMPASS FINANCIAL CORPORATION (SC).
Issue: Account opening, closing, or management

Complaint: BBVA COMPASS HAS RESPONDED TO COMPLAINT BUT IS ONLY RESPONDING ABOUT ONE ACCOUNT AND IS IGNORING COMPLAINTS ON OTHER ACCOUNTS. ALSO, I HAVE RECEIVED NO CALL FROM AN INVESTIGATOR AND HAVE LEFT MESSAGES AND FAXES FOR XXXX XXXX MANY MANY MANY TIMES AND GET NO RESPONSE. I WANT TO KNOW WHEN TO EXPECT THIS ISSUE RESOLVED. I JUST WANT THE ACCOUNTS CLOSED. AS I EXPLAINED TO " XXXX '' CUSTOMER SERVICE FLOOR MANAGER, THE FINAL DISPUTE OF XXXX TRANSACTIONS WAS DUE IN LARGE PART TO LACK OF COMMUNICATION FROM BANK. CAN YOU PLEASE ADVISE WHEN TO EXPECT RESOLUTION?

Company response to consumer: Closed with monetary relief