milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Trouble during payment process

Complaint: Both and my insurance company have been talking to multiple people in customer service departments in Freedom Mortgage for the past week just to get them to send the check from MY ESCROW account to the insurance company for XXXX XXXX XXXX XXXX XXXX. <P/>The original check dated XX/XX/XXXX, was stopped pay ( as it never arrived at XXXX XXXX ) with a guarantee it would be resent same day on XX/XX/XXXX and overnighted. By XXXX XXXX  on XX/XX/XXXX when the check still had not arrived.
<P/>I called Freedom Mortgage to get the XXXX tracking number. After being bounced around for an hour I was told there was no tracking number, the check had not been sent it was just cut as a result of my call and would be sent out in the am XX/XX/XXXX for overnight delivery. <P/>I called on XX/XX/XXXX and told that the checks from XX/XX/XXXX & XX/XX/XXXX were cancelled as the system rejected the checks due too many checks being written from the escrow account. The service agent said they would overwrite the system and issue a new check which would be sent on XX/XX/XXXX. <P/>I advised the service person that I needed the check sent on XX/XX/XXXX as I was currently not covered for XXXX XXXX XXXX and the insurance had now lapsed since XX/XX/XXXX due to their errors. I asked that they overwrite the system get upper management approval to issue and send the check same day. <P/>After an hour of being sent back and forth and waiting for a manager to take the call the service agent got on the line and said I could no longer tie her line up and hung up on me. <P/>I called in later and got a different agent who said he would get the check sent today and provide me with the XXXX tracking number. The agent called at XXXX XXXX and advised he could n't get the check sent and that he would guarantee it to be sent tomorrow am he would follow-up with a call to me with the XXXX tracking number if it could n't be sent he would guarantee they would wire it to my insurance company. He also guaranteed that my house would be covered if any damage occurred from the storm currently in the XXXX headed for the gulf coast. He said he would issue this guarantee in writing via email before he left this evening. <P/>I have no XXXX XXXX XXXX coverage and there is a storm in the XXXX. The minute that storm gets named if my insurance company has n't received the check, I will not be covered for said storm. <P/>I expressed this over and over to customer service Freedom Mortgage to no avail not only did they not care, they did nothing to push the check out tonight for immediate overnight to the insurance company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I referred the amex XXXX XXXX card by email to my sister, and she applied the credit card with my email link. She was approved right away on XXXX. I was next to her, so I am 100 % sure she applied the credit card through right link. I opened the investigation on XXXX. But I did n't get any bonus yet. I contacted the amex several times by chat. They always said the same answer like the answering machine " it is processing '' that is it. I am not sure they really start to investigate or look it up. I understand it will take some times, but there is no willing to resolve the problem or explain the detail info to the customer. Plus, they did n't send me any email about my inquiry or any representative did not explain how is processing or why it takes so long ... etc I hope I can get any answer from the amex. 

The referral person was approved the card on XXXX Opened the investigation on XXXX Amex XXXX XXXX the bonus is supposed to be XXXX Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Consumer Loan (Installment loan) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease

Complaint: Miss appropriate of the payment I had a settlement agreement of the debt and the comapny placed XXXX towards the debt against the original amount not the settled amount. 
The credit bureaus failed to investigate and it took three years foir the matter to be removed from the credit report. I want the XXXX I had paid back immediately.

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 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I reported fraud to synchrony bank ( XXXX master card ) for the amount of XXXX back in XX/XX/XXXX, they denied the claim because one of the agent misunderstood me saying i have the card with me and the chipped was used, i immediately called back and told them about the situation, they re-opened the claim on XX/XX/XXXX and I have provided back to them a form stating that I do not have my card with me, only used it once way back before and lost the card in around XXXX. I don't really use this card so didnt relaized it was lost, but reported it right after. case was closed and denied again, I tried calling them back and talking to them because I was supposed to have XXXX liability for something I did not use but bank was stating that that only works if they think the transaction is legitimately fraud. I got turned down and they said there is nothing they can do for something i did not spend.

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 04/15/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2016, I paid for in full an all inclusive stay at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX for XXXX people. {$1300.00} was charged to my Chase account. Leading up to the payment in full, XXXX XXXX had charged my husband 's XXXX in the amount of {$660.00} for one night at the hotel. My travel agent XXXX found a better rate of $ XXXX/night and we decided we wanted to rebook under my Chase card. Instead of refunding his XXXX in full, XXXX XXXX said they would refund him {$470.00} to his XXXX and charge the remainder to my card ( {$1300.00} ). ( Note : They never refunded him this amount and he had to file a dispute. ) Our trip was XXXX XXXX, 2016. Upon arrival at XXXX XXXX XXXX, they asked for a credit card to have on file for " incidentals. '' At check out I asked if I needed to do anything, they said no and snipped off our wristbands that signified we were booked under the all inclusive rate. At the airport in XXXX XXXX, my brother who booked his own room noticed he was charged the entire amount again by XXXX XXXX. I did not see it on my account. The next day, I saw the charge of {$1500.00} by XXXX XXXX. I disputed this with Chase believing this should be a fairly easy dispute. I was very wrong. XXXX XXXX is fighting my dispute claiming it is a valid charge because they swiped my card. I expressly told Chase I was told it was for incidentals as most hotels ask for credit cards and that I never signed ANYTHING agreeing to those charges. I was very frustrated since it shows XXXX XXXX had charged me three weeks prior so I did n't understand how this was even an issue to debate. I submitted additional evidence such as my emails with my travel agents confirming the vacation package, charge on my husband 's XXXX account, articles showing XXXX XXXX is in dire financial straits, and XXXX reviews showing others have also been double charged. Even with all this additional evidence, Chase ruled against me and said it was a valid charge simply because of the card swipe. I am now trying to dispute the earlier charge which is the lesser amount, but I have little to no hope of that resolving. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: IN XXXX XXXX WE GOT MORTGAGE LOAN FROM CHASE HOME FINANCE, LL NOT XXXX XXXX MORTGAGE LOAN XXXX OR TRANSPOSE FRAUDULENT LOAN XXXX. 

THEY OPENED 1 GOOD ACCOUNT AND 1 FRAUDULENT ONE BY TRANSPOSING TITLE NAME AND TRANSPOSING ACCOUNT SEE CREDIT REPORT AND LETTERS FROM CHASE. 

I HAVE DISPUTED THIS MATTER 13 TIMES IN OVER 10 YEARS WITHOUT CORRECTION. 

XXXX VIOLATING TILA, F.C.R.A. AND " THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT OF 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: 1 ) My Mortgage Loan Modification final document package has been dispatched via XXXX to a third party individual Notary Public, XXXX XXXX, to deliver in person the modification docs. for my notarized signature. Be advised, I am represented by Attorney-at-Law, XXXX XXXX since I filed Chapter XXXX Bankruptcy on XX/XX/2012 and I believe the docs. should have been sent to my attorney or myself in lieu of a third party who is not a Wells Fargo employee. Furthermore, if Wells Fargo 's intention was to ensure accurate execution of the modification documents they could have utilized a Notary at a banking branch office in my neighborhood. 

2 ) XXXX Attorneys employed with the law firm XXXX , XXXX XXXX XXXX XXXX, XXXX. ( this law firm was in process of foreclosing on my home in XX/XX/2012 when I filed Chapter XXXX ) are individually named as Trustee on the pending Subordinate Deed of Trust awaiting my notarized signature. 
3 ) I was given 12 day turnaround from the date of receipt of loan modification documents for my notarized signature, I was expecting at least 30 days from date of receipt for review and discussion with my attorney. 

4 ) My Mortgage Loan history is MISSING XXXX Property Inspection charges each assessed at {$15.00} each as follows : XX/XX/2012 XX/XX/2012 XX/XX/2012 XX/XX/2012 5 ) Over billing attorney fees and costs. Advertising costs in Texas and XXXX XXXX filing fees are over billed by foreclosure attorney. 
6 ) My loan was dual tracked in 2012 and a trial payment was returned NSF in order to begin foreclosure. I am in possession of all documentation in support of dual tracking as well as copies of 2 months of concurrent bank statements from XXXX XXXX XXXX showing available funds in my checking account at the time the check was returned NSF. 
All evidentiary documentation on above complaint issues are available and will follow under separate cover.

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 08/22/2015 about Mortgage (FHA mortgage) with VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA).
Issue: Settlement process and costs

Complaint: Vhda lawyers and bankruptcy attorney bullied me into an agreement that was impossible to do.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed a account with all XXXX credit bureaus for XXXX. The first time it was deleted. Then it appeared again under another company. I have been disputing it since and I have requested documentation with my signature to verify the account and to this day I have received nothing but somehow it keeps coming back verified when I dispute it. I would like this item deleted off 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Data Breach- After checking with Equifax XXXX it states that my identity may have been compromised with the hacking incident. I would like reassurance and protection with my social security information and credit so that I do not become a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is falsely reporting XXXX collection accounts on my credit report. I disputed them all and surprise they come back verified. I try and make contact with the companies, 1. XXXX XXXX - NEVER received a response of validation 2. No company info/No Contact Info - {$1200.00} 3. No Company info/No Contact Info - {$180.00} This is n't even funny anymore. Now equifax is being arrogant now, not even reported contact information. Why should they have to. They could get away with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company have repeatedly called my family and have discussed the situation and threatened legal action against me. This company already have my information but still continues to harass my family. My family can provide voicemails and call logs of this company violating the FDCPA law. Also this company uses terms like the " civil division of this law office '' in an attempt to scare and cause panic within my family. This company have been sent a cease of communication notice.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX XXXX, XXXX, PayPal sent me a notice referencing Case ID XXXX and indicating that access to my PayPal account ( XXXXXXXXXXXX XXXX " has been limited '' until PayPal " hears back from [ me ] '' in regards to a PayPal account registered to XXXXXXXXXXXX that posts a negative balance of {$710.00} dating back to XXXX. I immediately called the PayPal collections department at the number provided XXXX XXXX ) to address the issue : I spoke with XXXX for more about thirteen ( 13 ) minutes and was instructed as follows : 1. The {$710.00} balance dates back to XX/XX/XXXX and reflects a reimbursement of unauthorized charges on my account that PayPal made to me, in anticipation of an eventual reimbursement by my bank in Pennsylvania ( which was investigating the charges ). 
2. A restriction has been placed on my current account ( i.e. I am unable to make any withdrawals ) until the {$710.00} balance is paid. Furthermore, PayPal threatened, in writing, to " use funds from any linked account to pay for any negative balance [ I ] may have. '' 3. PayPal promised to send me a " letter of debt validation '' in short order, but declined to provide details of the transactions in question ( in violation of 15 USC 1692 ( g ) Sec. 809 ( b ) of the FDCPA - as discussed infra ). 

The limitations Paypal has placed on my current PayPal account are illegal, constitute harassment and are actionable in a court of law for the following reasons : 1. The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. 42 Pa. C.S. 5525 ( a ). Besides the fact that PayPal is unable to provide me with documentation of the transactions in question, the debt in question is well past the statute of limitations. 
2. The Fair Debt Collection Practices Act ( 'FDCPA ' ) prohibits " abusive, deceptive, and unfair debt collection practices by many debt collectors, '' 15 U.S.C. 1692 ( a ), and any debt collector who is found in violation of the FDCPA is liable for actual damages & statutory damages not exceeding {$1000.00}. 15 U.S.C. 1692 ( k ) ( a ) ( 2 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i send a letter to ENHANCED RECOVERY COMPANY to dispute the validity of alleged debt in the entirety of {$830.00} from the creditor known as XXXX for an alleged disconnected mobile service.My specific dispute with ENHANCED RECOVERY COMPANY alleged debt is based on the fact that i only have 1 month service to XXXX.I am requesting them that the following information be supplied ; a detailed description of the service for which this alleged debt is owed ; an itemized description of how the alleged debt was calculated ; and copies of document showing that i agreed to purchase any product or services to XXXX they did not send me any letter about this alleged debt i only know this when i check my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. My XXXX XXXX XXXX XXXX credit account # : XXXX is lost/stolen and has over {$22000.00} in fraudulent charges/transactions that arent my charges. My XXXX XXXX/XXXX XXXX XXXX XXXX XXXX credit card account has {$500.00} in fraudulent charges/transactions. The {$500.00} is fraudulent charges/transactions and arent my charges.

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 06-09-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OK).
Issue: Problems when you are unable to pay

Complaint: I am a co-borrower on a loan for my son. He is behind on his payments and One Main Financial continues to call me. which I understand is their job, but they are calling my job on a harassing basis and I have verbally told them do not call me at work and so has my boss and they are very rude and says they will call here whenever they want and so forth. Now they are calling daily asking for Human Resources number to file garnishment and that number has been given to them every time and they then call back saying that is not a good number which it is. They are jeopardizing my job with the calls and they have been told to stop. My husband lost his job and I am barely paying my own bills must less my sons, and yes I know that is what a co-borrower is for, but I feel the harassment needs to be directed to him not me until all other options with him are exhausted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Have disputed attached items over and over and still get the same old generic letters stating they have been verified. I want verifiable PROOF that they have been or I want them deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (I do not know) with Vision Financial Corp. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company, Vision Financial, keeps calling from different numbers trying to force me to verify personal information. They want my social security number and address. They will not stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Mortgage (Conventional home mortgage) with Statebridge Company (NC).
Issue: Trouble during payment process

Complaint: Recently my mortgage was transfer to Statebridge from XXXXXXXX XXXX. After I made a modification on my loan because financial stress back in 2008. I was  notify by XXXX that my CAP rate will be 4.875 % beginning at the 8th year of my modification. Well XXXX sold the account to this small company and now they are charging me 5 %. When I contacted them to find out what is happening, the said that they could not resolve the issue that I have send a request in writing and most likely contact XXXX. Additional to this now they are charging me with what they describe in the monthly statement as fees for {$2.00} monthly with a YTD charges of {$48.00}. I have never being late on payments with this company and when I inquiries about this charges, they answered that are fees because I have not pay the previous late fees. I may be wrong but I understood that as long as I am not late in my mortgage payments, I could pay those old late charges any time during the life of the loan without any additional fees. Am I wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: For the past 5 years, I believe that I have experienced ( and have evidence of ) organized deceit regarding my account with Bank of America. I believe that this is a direct result of technology fraud or incompetence. Bank of America has automatically opened an unauthorized account, created unauthorized charges/fees, closes the account, does this again and again, and then repeatedly and continually misdirects me ( a customer ) to hide that this is going on. As one of the successor trustees of a trust set up with Bank of America and supplying them all required documents, I am unable to get the required financial information from them that will allow me to manage my money. Can anyone help me get the financial information on our own money without having to take them to court?

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CT).
Issue: Billing disputes

Complaint: i got a approve for a charge card and a business card blue.I was paying on time minimum Payment! On XXXX cards, then a bill come on then out the blue sky i get a bill with no minimum so i call and was told policy change and i now can only pay minimum on the credit card blue business card, But the XXXX card need to be payed in full AND WHERE DEACTIVATING YOUR XXXX BUSSINESS! I told them im running a business and they said okay you can get XXXX swipe to order inventory .you think it happen absolutely not! i told them this is fraud! I Kinda new something was getting fishy when every retailer here in connecticut including the XXXX DO NOT ACCEPT AMERICAN EXPRESS THERE REPLY WAS THERE TRICKSTER! 
& experience is the best teacher! my cash advance atm was cut short no bank would give me the rest of the money i went every bank! american express short change trick me!

Company response to consumer: Closed with explanation