milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: After purchasing my home, for over two years I was with my original mortgage company, and was not late one time in payments due to being able to use automated payments with online banking. In the XX/XX/2016, I received notice my mortgage was purchased by LoanCare LLC. When the time was right, I changed the payment address through online banking and paid XXXX payment. Seeing that this went through just fine, I had not seen there was an issue, and when XXXX payment came due, it was paid via online banking automatically. This payment was made XXXX/XXXX/16. It was n't until the first week of XXXX, well past the due date, that I became aware the XXXX payment was not accepted. Rather than notifying me of this, they returned the payment to my bank account XXXX/XXXX/16, and stated I was late for XXXX. I was given no reason, and had to reach out to them to find out. In order to be sure the payment was made, I used LoanCare 's online payment to pay XXXX. I received notice that my account number had changed which is why it was not accepted. Oddly, it was accepted for XXXX payment but not XXXX with no fair warning as to why, and no help notifying me to be sure to change my account number if paying by check. That being said, I changed the account number with my banks online payment in time to make XXXX payment. But, unfortunately, the problem happened again. And even though I had been watching closely, I had assumed it was accepted since the money withdrew from my bank 's account. Sadly, not the case again. This time my payment was not returned to my bank account until XXXX/XXXX/16 well after the XXXX deadline. I sent an email right away to find out what happened, and to this day ( over 1 month later ) I have not received a return message and still do not know why XXXX payment was not accepted. Rather than use my online banking, I 've decided to use LoanCare 's website to make the payments since I know this will work. But, the real reason I am writing this complaint is that I received notice that my credit is now over XXXX points worse ( from Excellent to Good credit ) because of these supposed late payments. Again, I had excellent credit for a reason. My only fault was thinking I could make payments with my online banking, and have found out this was not the case. I tried to dispute the this via XXXX but, today learned it was updated but still showing XXXX payment as late. Thank you for your time.

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 06/22/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is in regards to Portfolio Recovery Associates. They started calling me XXXX years ago about a debt I had never heard of before, claiming it was from XX/XX/XXXX or XX/XX/XXXX, or somewhere around there. I told them I never had a credit card with the company they said was the original creditor ... so they said, it used to be another bank ... and I had still never had a card with that company. I asked them to send me something showing what this was actually for and they refused, said they could n't. When the next person called I said the same thing ... send me some paperwork because I do n't owe anything to this company. This person said I would have to submit in writing and they would send me a form, which I never received. Months later another woman calls and again refuses to send me anything, saying they have nothing they can show me, but is demanding my bank account number over the phone to pay them off. I asked her if she would give her bank account number to some random person that called and claimed she owed them money. She was yelling at me and I finally hung up on her. This same woman continued calling me for months being very rude and arguing with me. I stopped answering the phone eventually. Then I did n't hear from anyone for a couple of years. Then I started getting calls again from all different numbers, which I now never answer. They call a few times every couple of months and this is frustrating ... I do n't want to receive these calls forever.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The interest has quadrupled my payment and put me soo far behind I am unable to repay. The debt was not explained thoroughly and the practice is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries were removed due to disputing them and then put back on my report without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have had an absolutely terrible experience with XXXX ( formerly campus partners ) for small supplemental loan that I took out during XXXX school. The number one problem for me is that they keep charging me redundant late fees because they can not accurately apply my payments to my account. I agreed to pay the XXXX and XXXX ones ( after they told me that are " unable to make adjustments to the account '' or remove late fees ) but after I was charged a third one that was the last straw for me. The second and third ones occurred while the account was in autodraft status, so there should never have been an issue. Further, I was told that the third late fee occurred after I received correspondence saying I owed the second late fee ( which I never received despite accurately updating my address with the company ... .they actually confirmed that the letter was sent out one day after my address was changed ). Their response was that they can not be held responsible for the US postal service. Well apparently they ca n't be held responsible at all because the last person I spoke with on the phone confirmed that I had been erroneously charged the late fee but there was nothing she could do about it and no supervisor I could speak with ... my only option is to submit a request in writing by mail. Furthermore, XXXX of the XXXX customer service people have been extremely rude and unprofessional. Their online interface is archaic and prone to errors ( I am trying to pay my loan online as I type this but their site is " down for maintenance '' ). Every avenue with which I try to make a payment is associated with some kind of service charge. It is unbelievable how terrible his company is and how there is no hierarchy in their company so that I can speak with someone that may assist me adequately ... there is absolutely no accountability. 

When asked on this site what my issues were, I would have checked all the boxes if I could. My problems have included : -Making payments, getting information about my loan, managing my account -Trouble with how payments are handled -Do n't agree with fees charged -Received bad information about my loan -Need information about my balance/terms -Keep getting calls about my loan -Having problems with customer service So essentially everything. Basically their customer service is terrible, their website/payment system is terrible, and they can continuously charge extra fees without any accountability. Worst company ever.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I sold a home and the buyers financing bank did not close escrow on the date anticipated. Escrow was 60 days and I have the buyers pre-approval letter, for my property, from the bank dated 64 days before anticipated closing. This cost me approximately 15 days of extra interest I had to pay on my mortgage loan. This cost me {$850.00}. 
I have contacted the bank as well as my real estate agent. There " official '' response was per real estate agent, they are declining reimbursement request, their reason is because I am not their customer and thus not a party to their transaction. They offer absolutely no responsibility for delays they caused and will not directly respond to me in writing other than the phone call that my real estate agent received with this information. 
I would like to pursue reimbursement of 15 days of interest. Thank you for any help. I am also not really sure what category to place this in.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.

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 02-10-2017 about Prepaid card (Mobile wallet) with NETSPEND CORPORATION (DC).
Issue: Fraud or scam

Complaint: I have a multitude of problems with my current prepaid provider, Netspend. 

I have not been able to access my funds in 2 days. It started in my attempt to open a new checking account with XXXX XXXX XXXX who explained do to a low score I could not open a checking account with them. I have an old savings account that I can access and use that so I went in to my current Netspend account and I noticed a different email instead of mine. I attempted to call. I could not be helped since their recovery department was closed. I was told to call back the next day. 

Yesterday I received an unauthorized {$50.00} debit hold on my card. I attempted to log in to my account to see what is going on and my account was locked. I could not access any of my information. I called and again because their recovery department was closed I could not be helped. I was told I have to wait until the morning. I asked to speak to the manager and was put on hold for 20 minutes. 

I again attempted to sign in today with another locked account notification. I have not been reached out to by email/text or phone call to be assisted with this issue. 

I have noticed last year around XXXX and XXXX I was receiving texts of amounts that did not add up because this is my main banking tool I use it for tips and other things. I thought this could be the case in the missing money. As I started to monitor more closely this has not been as much of an issue. I assumed maybe this is hidden fees or whatever the case maybe and have vowed to get out of this ridiculous banking system. 

I have dealt with issues with them in the past from no access to my funds for XXXX10 business days after my card being stolen to ridiculous fees to transfer money during this time I had to wait. after I had to buy another card. 

When I bought this card now I can not transfer to this card because they said it is not possible due to their system. it is XXXX to transfer EVERYTIME! 

At this point this establishment has cost me hundreds of dollars. I would like to have an itemized transcript of my account so that I can rectify any issues and be sure that I am not yet again being taken advantage of as a customer and my money back. 

I was also told that it will take XXXX8 weeks to receive my money in the mail if I close my account with them. for this reason I have held on but I can no longer continue to be abused by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give me the method of verification within 15 days of my request. This should be hard evidence that goes all the way back to the original creditor. I did not consent for them to use an automated system as means of an investigation process using any online computer program, XXXX, etc. The credit bureaus are required to send the all of the supporting documentation regarding the dispute on to the furnisher of the consumer 's account within 15 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: - In XXXX XXXX applied for loan modification of single family home. Loan was originated in XXXX XXXX and is now with Ocwen- This request was denied. Received a letter dated XXXX/XXXX/XXXX saying that they did not provide an appeal period for the denial, a

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (I do not know) with Credence Resource Management, LLC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received notice of right to dispute a debt. I sent the collection agency to give me more information about the debt being in question. I sent the letter by registered mail via USPS ( XXXX ) and never got a response from the collection agency, the information i requested for. Per USPS, the collection agency did receive the letter on Monday XXXX XXXX, 2016. But the collection agency acted as if they did n't get any response from me. After a month or so I received another letter to pay the debt since it is delinquent. The communication tactic they are using is very subtle to force me pay the debt i am disputing and requested for more information. 
For your information I did n't have any information about this debt until i received a notice of right to dispute. The Company who thinks that they have money from me supposed to contact me before they send me to the collection agency.

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 05/19/2015 about Consumer Loan (Installment loan) with LENDMARK FINANCIAL SERVICES (VA).
Issue: Problems when you are unable to pay

Complaint: I had XXXX loan agreements with Lendmark Financial in XX/XX/XXXX. I ran into some money issues and both accounts went in default. in early XX/XX/XXXX an judgement was granted in favor of Lendmark Financial and the account was soon charged off. I talked to an Attorney and it was discovered that when the judgement was granted, the account was no longer active. ( In other words the judgement would remain on my credit report for 7 years from that day ). The judgement did indeed stay on credit reports for 7 years and was taken off. However, the items still remain on my credit reports ( all XXXX ). I fell strongly that Lendmark Financial has altered the roll off dates to keep the items on my report. ( the dates do not match on the credit reports ). I have contacted the company and reporting agencies numerous time and nothing was done. To sum it up My complaint is that the judgement was removed after seven years but the charge-offs remained. ( they are offset ) and unfairly doing damage to my credit. I think the charge-offs should be taken off just as the judgments were taken off after 7 years. The judgments actually happened before the charge-offs

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity theft some one stole my identity to open two fraudulent XXXX XXXX XXXX  credits cards XXXX XXXX XXXX XX/XX/XXXX Amount {$520.00} XXXX XXXX XXXX XX/XX/XXXX Amount {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Problems caused by my funds being low

Complaint: yes pnc bank charged my mom XXXX late fee???? balace is now XXXX????? should only be XXXX? im my mos XXXX going thru hardship?? like too see if we can get the XXXX late fee waived?? were very loyal long customers????? like too pay just the XXXX on phone??? my cell number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (Auto) with National Commercial Services, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Commercial Services FAX # ( XXXX ) XXXX Re : account # XXXX Attention to DISPUTE DEPARTMENT Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account National Commercial Services that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX D.O.B : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX SS # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I signed the lease   XXXX   XXXX   XXXX   I looked at the apartment it was not ready to move in, I was assured that all the issues would be taking care of ASAP. She call me   XXXX   XXXX   XXXX   said that they would be painting the apartment and taking care of the filter and the door. I just back every day and every day they assure me it will be taken care of the next day. On   XXXX   XXXX   XXXX  , I send a notice to vacate because the  apt was  not ready for me to move in. I returned all keys and parking passes. I never received a copy of the lease and every time  XXXX   XXXX   XXXX  went to sign the lease the property manager was not there.   On   XXXX   XXXX   XXXX  , I get a called from the property  manager  stated that I was being evicted for non-payment of rent. I explain to her that I did not live there and sent her all the documents and email her and ask to take care of this.   Then on   XXXX   XXXX   a collection show up on my credit reports from FAIR COLLECTIONS AND OUT  XXXX   XXXX   XXXX   XXXX   XXXX , MD  XXXX  (  XXXX  )  XXXX  {$4900.00} I contact the company sent all my information. Then they just sent me an email stating that the property manager stated that I did not notify them until   XXXX   XXXX   XXXX  , which you can see was not true.

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 03/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I reviewed my credit report XXXX/XXXX/16. On Transunion, there is an account with the name XXXX XXXX states " open '', with a date of XXXX, and with money owed to it. The problem is ... .I never opened this account. I do not live in New York, so I do not know who opened this, or how without my signature/written consent. This, in my opinion is deceptive, and just plain fraudulent in nature. XXXX XXXX has misrepresented themselves on my report appearing to be a currently " opened '', delinquent creditor-type account that I signed up for. It needs to be removed immediately. I have never solicited to do business with XXXX XXXX, nor do I owe XXXX XXXX any money for services/goods.This info was previously disputed, however nothing has been done to remove it.

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