milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I made a mortgage payment on XXXX/XXXX/XXXX in the amount of {$2100.00}. Bank of Am. posted the payment. It cleared my bank on XXXX/XXXX/XXXX. For 2 years I have told the bank I was one month ahead on my payments from what they were showing. after fighting with them and getting nowhere, I requested a print out of my payment history from XXXX. after receiving the history, I checked every payment with my bank statements to verify each one. All checked out, However, the history showed that Bank of American posted my payment on XXXX/XXXX/XXXX, however they reversed the payment from my mortgage on XXXX. They did not refund me the money, the payment was not returned to my bank, I was notified that they did something differently with my payment other than what I have approved which was to pay a mortgage payment. 
I have sent certified letters and bank statements from my banker to Bank of America stating that the payments all cleared my bank. in XXXX XXXX, then again in XXXX/XXXX/XXXX. This still has not been resolved. At first they said they applied it to my insurance. ( this is not the case, and it was not noted on my payment history print-out that they send. ) Then they said they sent the funds back to the bank. However, they did not, their is not a deposit into my bank from them, or a check to me. and this is not noted on their history either. It is just shown that the {$2100.00} was reversed. 
Bank of America owes me the Payment of {$2100.00} Plus all back interest charged to me from XXXX/XXXX/XXXX to the date that they refund my money. Plus charges for the certified letters and statements that I had to pay my bank. And they should have to pay me for all my hours that I have put into this matter trying get their books straight. 
My mortgage has been sold to XXXX in XXXX XXXX. I have also copied them on all the correspondence and notified them that the payoff balance they have is incorrect. They have not done anything either to try and settle the situation.

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 10/14/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage now with Ditech and made use of the bi-weekly service. In XXXX I opted out due to being on strike in fear that I may miss a payment, proud to say I did n't miss a payment. The mortgage payment I had paid in advance I found out the Rep applied to my principal without my knowledge. They explained they would apply it to my XXXX mortgage. It still has not been done. I am very worried about this situation.

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 04/20/2015 about Debt collection (Non-federal student loan) with Fidelity Account Services LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Fidelity Account Services called me on XX/XX/XXXX about an amount owed to a former college that I attended in XX/XX/XXXX/XX/XX/XXXX. I have never heard of this debt in fact I had received a refund when I withdrew. They sent me a barely readable form clearly showing my refund as well as an amount added for XX/XX/XXXX semester which I did not attend. i contacted the former college and they have no record of this being owed and show a refund given on my account. I do not know if this is a scam to collect money not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Struggling to pay mortgage

Complaint: Market feel in XXXX ; rate with Caliber is and now XXXX XXXX ; payments rising so apparently I have an adjustable rate loan that I was not aware of. Caliber has done nothing to assist me at all. 
Now Caliber is pursuing me in the courts

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have sent Experian two letters. 30 days back to back and never got a response to either letter.Under FCRA section 604 ( a ) ( 3 ) ( A ), permissible purpose has to be proven for the review or collection of a consumers account. There has been no communication back from Experian. 
or prove I authorized any of the hard inquiries on my credit history kept under my SSN number. If they ca n't provide me proof with my signature authorizing permissible purpose for each hard inquiry, these hard inquiries must be deleted for no permissible purpose or authorization. I have attached a copy of the letter sent by certified mail two times to Experian.

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 11/24/2015 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: I LEASED THIS CAR XXXX AT XXXX INFINITI. AT THE DATE OF LEASE AGREEMENT XXXX, THE TOTAL MARKET VALUE OF THE CAR WAS {$30000.00}. AT THE END OF THE LEASE AGREEMENT, THE REMAINING BALANCE/ RESIDUAL PAYOFF WAS {$24000.00} TO PURCHASE THE CAR. I HADNT DECIDED IF I WAS GOING TO PURCHASE THE CAR OR GET A NEW LEASE SO I EXTENDED MY LEASE. THIS EXTENSION WAS VERBAL AND PER INFINITI FINANCIAL SERVICES ( IFS ), I NEEED TO PAY THE MONTHLY NOTE AND IT WOULD BE APPLIED SO ONCE I PAID THE REMAINING BALANCE, THE TITLE/PINK SLIP WOULD BE SENT TO ME. I DID N'T HEAR ANYTHING FURTHER FROM IFS REGARDING THE LEASE. NOW IN XX/XX/XXXX, I CALL TO INQUIRE ABOUT THE STATUS AND THE NEXT STEP AS I HAVE FULFILLED THE PAYOFF BALANCE. I WAS TOLD THAT I STILL HAD A BALANCE. AFTER SPEAKING WITH XXXX XXXX XXXX XXXX FINANCE MANAGER, HE STATED THAT HE 'D HAD N'T SEEN ANYTHING LIKE THIS AND THAT I HAD XXXX EQUITY PAYMENTS MEANING THAT I HAD FULFILLED MY LEASE AGREEMENT. HE THEN REFERRED ME TO XXXX ( IFS CORPORATE ) FINANCE MANAGER. XXXX COULD NOT EXPLAIN HOW MY PAYMENTS WERE BEING CONVERTED TO THE VALUE OF THE CAR, NOR HOW IT 'S LEGAL TO CONTINUE TO CHARGE/COLLECT FOR AN EXPIRED LEASE ( THAT IS PAID OFF ). TODAY, XXXX, IFS IS STATING THAT MY BALANCE IS STILL {$6700.00} ALTHOUGH I 'VE MADE XXXX PAYMENTS TOTALING {$37000.00}. WHICH MEANS I WOULD HAVE PAID {$44000.00} FOR A CAR THAT WAS {$30000.00}. THEY WILL NOT REFUND ME THE OVERAGE I 'VE PAID ACCORDING TO THE LEASE AGREEMENT, NOR WILL THEY CONSIDER TO CAR PAID AND TRANSFER THE TITLE TO ME. YET THEY ARE PENTALIZING ME ( XXXX EXACT WORDS ) FOR MY MISTAKE OF NOT COMPLETING AN AFTER LEASE PURCHASE AGREEMENT. I EXPLAINED TO XXXX THAT HE CAN NOT CONVERT/CAPATILIZE ON AN EXPIRED LEASE AGREEMENT/DEPRECIATION. HE STATED " THAT HE UNDERSTAND WHERE THIS SOUNDS ILLEGAL BUT IT 'S MY FAULT ''. I THINK THIS SHOULD BE INVESTIGATED BY SOMEONE LARGER THAN ME. THIS CORPORATION HAS TAKEN ADVANTAGE OF MY TRUST IN THEM BASED ON THE TERMS OF THE LEASE AGREEMENT AND OTHER VERBAL COMMUNICATION. THE ARE UNWILLING TO END THE BILLING AND CONSIDER THE BALANCE PAID, ALTHOUGH THERE IS PROOF OF MY PAYMENTS. THEY WILL NOT TRANSFER THE TITLE OF THE CAR. AND THE BALANCE CONTINUES TO INCREASE. I HAVE PAID WELL OVER THE BALANCE OF THIS CAR AND THEY ARE USING THEIR SIZE TO BULLY ME. THIS IS UNJUST AND UNFAIR. THEY ARE " PENTALIZING '' / TAKING ADVANTAGE OF ME AS THEY CONTINUE TO COLLECT ON THE PAID, EXPIRED LEASE YET THEY REFUSE TO HONOR THE LEASE AS THE ONLY CONTRACT THAT EXIST.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (I do not know) with Direct Recovery Services, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have been contacted several times by an automated call asked for someone who does not live with me and whom I do not know. Most calls went to my answering machine, but when I was at home I answered, waited on hold for a representative and explained that I did n't know who this person was that they were looking for and to please stop calling my house. I was assured several times that I would n't receive anymore calls, but they keep coming. Yesterday a message was on the machine from XXXX, who in a very threatening voice said that his company had spent enough time and ( money or energy? ) and that it was time to take care of it. I again called back this morning to tell XXXX he has the wrong number, instead I get another lady that said that she would remove my phone number. When I asked for a manager, she said she was a manager. When I asked for the business license number she refused to give it to me - she said that she had already given me the name of the company " Direct Recovery '' and that she did n't need to give me any more information. They are the ones who wo n't stop calling me and now it has escalated from automated calls to a person making threatening calls. Do I need to be worried that they can find my address too???

Company response to consumer: Closed
Consumer complaint received 03/24/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Our loan was sold to Ocwen Mortgage Serving and ever since everything is a mess. They send someone out to our home monthly to verify that we are living in it and charge us between 50 and 300 dollars each time. I have called numerous times to see what this is all about to just be given the run around. I have become XXXX month behind on our payment due to a family tragedy and have made sure we fall no further behind. Yet they continue to harrass us constantly and have their people who verify that we live in our home make threats to us. It is unnerving. We have tried to work with them to modify out loan yet they refuse to do so. At first it was because we were not behind so we did not qualify now it is because we are behind. Our mortgage is set up with a balloon payment at the end of the loan and we were trying to modify the loan to get rid of this payment. As our previous home loan servicer would not offer us any other option for a modify other than to add a balloon payment on the end of the loan. We have asked for a principal reduction and were told they will not do that. We are at a standstill with this situation. We heard there was a settlement made between Ocwen and the government and when I asked Ocwen about it they cut me off.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Billing statement

Complaint: I have been told the payment has n't posted but I have mailed the payment two weeks ago. I have had a problem with Amazon Chase before with excessive overdraft fees. I do n't know when the next problem with this company will happen. Please help me to close the account without financial hard ship. Please I need help with this credit company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have not approached TransUnion directly because they continuously provide erroneous information. This time XXXX XXXX has provided information regarding my credit utilization and it appears that while XXXX has it right, TransUnion has it wrong ; yet the credit factors come from the same bank. Since my credit utilization as of XX/XX/XXXX ( it 's when the bank reports ) went from XXXX % to XXXX %, Equifax has increased my score by XXXX points. TransUnion on the other hand continues to use the information from XXXX XXXX, and decreased my score by another XXXX points! I have provided screenshots to support my claim. 

I do not believe this is a mistake since I have reported them to you a number of times. I believe this is punitive and I think if they were fined for their behavior, they would be less likely to react to these situations with canned responses.

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 03/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX my Citibank MC was charged {$730.00} by unknown unauthorized user. This appears as BESTBUYCOMXXXX-BESTBUY MN. Citibank issued a credit of {$730.00} to offset the unauthorized charge.

XXXX   County, Colorado sheriff was able to recover the stolen goods obtained by unauthorized use of my credit card. Copy of the police report is attached. The recovered goods was returned to Best Buy on XX/XX/XXXX. Best Buy issued a refund of {$730.00} against my MC account. When I reported this to Citibank, Citibank removed Best Buy refund from my account under security write off -overrides and at the same time Citibank removed previously issued credit for unauthorized charge. Citibank is now trying to collect a duplicate payment of {$730.00} from me for the unauthorized charge which I refused to pay for the following reasons : 1. Citibank was already reimbursed for the unauthorized charge by the refund from Best Buy ( copy of the Best Buy refund receipt attached ).

2. {$730.00} is unauthorized charge which I did not approve and contractually I am not responsible for.

Meanwhile Citibank added additional interest charges for unpaid unauthorized charge of {$730.00}, resulting in balance of {$750.00} as of XX/XX/XXXX.

I contacted Citibank 4 times in XX/XX/XXXXand sent 2 letters on XX/XX/XXXX and on XX/XX/XXXX to Citibank Customer Service requesting to correct my statements. I have received no replies from Citibank.

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Old closed accounts still show on credit report, and are hindering my credit, even though they have been paid in full and accounts have been closed for over 2 years.

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 06-12-2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Closing/Cancelling account

Complaint: I have Barclay closed all my accounts with out any good reason. 
The bank took all my reward ( proximately {$550.00} ) and or promotion that I have on all my accounts. 
The bank offer no solution but took away the right to charge any thing on the account immediately with out notify me first. 
The bank would not refund the membership fee that I paid on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent letters to XXXX, XXXX, and Experian on XX/XX/XXXX stating that a couple of accounts on my credit report need to be verified. I got an answer back for every account but the bankruptcy. When I called on XX/XX/XXXX I was told that did not get an answer back because I did not pot Wisconsin Bankruptcy. I told them I put what was on my credit reports which was Wisconsin FED XXXX XXXX Docket # XXXX. I was than told that was not acceptable.

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 01/26/2018 about Debt collection (Other debt) with ERC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the debt of {$150.00} ERC collection company for XXXXXXXX XXXX XXXX of 2018. When i paid the debt i ask could it be taking off my credit report. the young man i spoke with said it would come off in 45 days. It came off as promised, then they put it back on as Paid. this is an unfair credit act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Debt collection (Medical debt) with TSC Accounts Receivable Solutions (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a phone call this week  (   XXXX   XXXX   XXXX  ) that I had an outstanding debt from  XXXX . However, I do not have any bills from the original company they claim to be collecting for to say that I owe anything. I have a screen shot from this my doctor stating that I have no outstanding bills.    XXXX   I have had the same phone number for a decade so they clearly did not try hard to contact me by phone before this point. During the phone call, I was NOT told that I could dispute the claim if I needed to. I have moved once but forwarded my mail and did not receive anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Debt collection (Payday loan) with LENDMARK FINANCIAL SERVICES (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Harrassing phone calls daily, leaving threats that they will procicute for not being able to make my payments on time. I 'm struggling with my finances and payments are higher than disgust. They approved me without properly evaluating my credit reports and refinanced a previous loan at a ridiculous interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 06-04-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: its been about 3-6mths and still no answer

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX FOR ANY TYPE OF TITLE LOAN. THE LOAN THAT THEY HAVE BEEN REPORTING, THEY REFUSE TO IDENTIFY THE ORIGINAL CREDIT AND AMOUNT OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have requested for Experian to remove the XXXX accounts. XXXX XXXX XXXX account number XXXX from XXXX and account number XXXX XXXX XXXX XXXX from XXXX. Both accounts are extremely old and I am within guidelines to ask for the old accounts to be removed from my Experian credit report. I have never paid on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Debt collection (I do not know) with Berndt & Associates, P.C. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A scavenger debt company, XXXX XXXX XXXX retained this lawfirm to garnish my state income tax. I do not owe a debt to any company for the amount indicated nor did this company make any initial attempt to collect it before. They are trying to force me to pay XXXX in 14 days! I owe no such amount! This letter came out of nowhere and apparently they hacked into my private information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To whom thi s may c oncern I  XXXX   XXXX  sent a certified letter and fax to Transunion and  XXXX  on  XXXX   XXXX    XXXX  . The letter was a paid for deletion to the company  XXXX   XXXX   XXXX   XXXX   XXXX  . Current Creditor  :  XXXX   XXXX   XXXX . the account was sold by  XXXX   XXXX    XXXX  . This letter stated that if the company agreed to cash the check that all the credit bureaus would delete collection off file the amount was  XXXX . I spoke with a  manager a t the company  XXXX  and he stated it would be removed.   XXXX    has deleted the collection from file but Transunion has n't. Also  XXXX   XXXX  is reporting the account inaccurate the account is paid so it looks like there are  XXXX  charge-off on my credit. The only action that was taken by Transunion is the collection has a  XXXX  balance when it should be deleted per the contract.

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