milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Trouble during payment process

Complaint: We closed on our house on   XXXX   XXXX   XXXX   XXXX   wit h Quicken L oans. In   XXXX    XXXX   XXXX  , when making our online payment I noticed a large credit of about {$3000.00} towards the account. Not understanding where this came from I called to inquire about it. I was told that at closing they over estimated taxes and insurance and that it was going to be refunded to us. We received a check a week later. In  XXXX  we were told that they recalculated our escrow and were lowering our payment by {$50.00} per month. Towards the end of  XXXX  we finally decided what to do with the refund and proceeded with flooring and paint. Days later I received a notification that our house payment is now going to be {$200.00} more each month because they mistakenly refunded us money and they would like it back. Um. What? We called, verified and waited 3 months to spend that! Not only that, but every month, I was paying {$50.00} per month over our monthly payment towards principle, and while not an enormous amount of money that was {$600.00} per year that I will not be able to pay towards my principle. So, they are now tying this 'repayment ' to my mortgage. Can they do that? The point is that I should not be held accountable for this money as I did EVERYTHING  right.  If I call to verify and am reassured that this is indeed 'for real ' and even wait to spend it ... .I do n't really care if they are gracious enough to drop {$200.00} into my escrow account but I am still responsible for the balance. I do n't care if I had {$5000.00} sitting in my savings account ( which I do n't ), they should not be able to do this. If your boss gave you a bonus at the end of the year and then realized they gave you too much ... and then docked your paycheck for a year ... ..

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I sent a debt validation request to Chase XXXX XXXX, XXXX, they have not responded to my request. They have illegally foreclosed on my home in XXXX. I requested they send me the data from the original lender. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Chase Attn : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Re : Alleged Debt Acct # XXXX To Whom It May Concern : Please be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Account Loan Data from the ORIGINAL creditor, Note and Deed of Trust Please provide me with MY WRITTEN AUTHORIZATION stating that I gave you my permission to sell my private information to any third party or debt collector under 15 USC 1692 ( c ) ( 3 ) ( b ). 
Provide proven facts with account loan attached from the ORIGINAL creditor and signed under Penalty Of Perjury. 
Identify the ORIGINAL creditor. 

As it stands now, you are a Debt Collector. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit files and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. 

Thank you, XXXX XXXX Sent by USPS mail

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Bank account or service ((CD) Certificate of deposit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I have a Bank of America Money Market account open a couple of years ago. Last year year in XXXX XXXX my balance went down to {$500.00} approximate. The bank did not notify me that they will be charging a monthly maintenance fee of {$12.00} after that. I do n't get a paper statement, only today I noticed that the money market balance was down to {$380.00} only due to several months of {$12.00} monthly maintenance fee they were charging. At least Bank of America should notify me that they will start charging fees. I am senior citizen on fix income. Plus I have been a customer of Bank of America since XXXX. All our home loan, equity line of credit, visa are with them for 40 years. Whatever happened to customer loyalty? 
I asked if they could waive these monthly maintenance fee. But they said NO. So I would like to WARN other Bank of America customers for FEES that are popping UP left and right. they also started charging me for safe deposit box fees since last year. I do not receive paper statements because they also charged for that now. Everything has to be on-line. There should be at least grandfather policies for being loyal customers. Bank of America should at least refund the monthly maintenance fee for 11 months they took away from me. ALSO THEY SHOULD BE CONSIDERATE FOR SENIOR CUSTOMERS WHO ARE NOT TECHNICAL SAVY.

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 07-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received several letters from Trasworld Systems stating I owe XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo. Phone XXXX. The sum of {$99.00}. I called XXXX XXXX & they told me that my account was paid in full. To ignore the Collection Agency. I do n't want this to affect my credit score & I want Transworld to leave me alone. I called Transworld but could never get through. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (Home equity loan or line of credit) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: In 2005 I took out a HELOC with First Tennessee Bank/First Horizon. Last month I was shocked to see that my monthly payment increased XXXX times from the previous payment amount. If I would have known how much my adjusted payment would be I would have never applied for the loan. I do n't have the financial ability to pay it now or at the time the bank made me the loan. In fact, the bank never looked at my ability to pay or even ask about my income. Also, First Tennessee Bank has charged me a finance charge of 100 % of the newly adjusted payment when I could n't pay the new amount. I was never informed they could charge me a 100 % finance charge and I dispute this excessive amount. I would like to discuss a loan workout but First Tennessee does n't even provide a contact person 's name, e-mail or phone number on its statement.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I went through a divorce in XX/XX/XXXX. The house was underwater so I had to walk away from it. The note was for $ XXXX. The missed payments were reflected on my credit back in XX/XX/XXXX. About nine months ago I received a letter from Ditech XXXX ( formerly GreenTree Servicing, they changed their name in XX/XX/XXXX because of a class action lawsuit ) that I owed them $ XXXX. Now it 's showing up on my credit that I 'm 90 days late on a mortgage payment. I think this is fraud. I do n't owe that amount and this should have been foreclosed on years ago. What recourse do I have?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Despite my repeated requests that they do so, EQUIFAX refuses to delete an outdated, factually inaccurate account with XXXX from my file. The vehicle in question was NOT repossessed from ME, nor were ANY payments made late by ME but in fact belonged to my former spouse who received over {$1000.00} when the vehicle was sold as it was her account and NOT mine! I simply want ALL information pertaining to it deleted from my EQUIFAX file.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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: In XXXX 2017 I filed a dispute of an error of a chapter XXXX bankruptcy dismissed with XXXX, Transunion, and XXXX. I even submitted a letter from the US District court stating that they did not report any bankruptcy on my credit report. All 3 credit bureaus disregard my evidence and refused to delete this error on my credit reports thus hurting my ability to obtain credit. I have never filed bankruptcy.

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 06/29/2015 about Payday loan () with PLS GROUP, INC (CA).
Issue: Applied for loan/did not receive money

Complaint: I 've apply for like XXXX loans just to help me out and not XXXX company load me money I have a job a banker at else do I need man

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: They bill me a {$2.00} fee on  XXXX / XXXX /  XXXX   for ATM use, when I 'm not supposed to pay a fee.

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 11-08-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I called my Creditor XXXX XXXX last night XXXX XXXX/XXXX/XXXX XXXX one day prior to my due date ( XXXX XXXX ) to pay  XXXX toward my balance of XXXX} The female clerk that took care of the transaction over the phone charged me the whole balance of XXXX instead of the XXXX that I had only authorized, for this reason my account was severely drained since it was a debit card transaction. 
I told her to reverse the charge immediately and She proceeded to say she could n't reverse the payment and that I needed to call my bank.I had no other option but to call my bank I called my so called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and turns out they wo n't help me either. They claim that city bank has the funds. None of these two institutions will refund my money. 
In a matter of hours my account will be negative due to previously programed payments. 
I need my funds to be returned immediately. Not in 3 to 35 business days as they said. 
XXXX has stolen XXXX from me. And I need my money returned 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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are multiple duplicate student loan accounts on my credit report and they ca n't determine which ones are duplicate and original. If they determine the difference between the original ones and duplicate ones they should delete them. It is adversely affecting my credit, making my income to debt ratio much higher than it is. I have been refused for a mortgage because of this problem

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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: All 3 of my credit reports have been exposed and breached and the federal and private loan officerso like XXXX XXXX is reporting inaccurate information on my report showing delinquent when I have not graduate from school just yet. This is causing issues for my lively hood.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Making/receiving payments, sending money

Complaint: They kept adding late charges, my account kept going up instead of down. 
Took me about 9mo. to figure it out. I did call them and raised cane, because I was mailingpayment XXXX weeks before due date. She credited me one late fee. 
I still feel ripped off. I just finally paid off account XX/XX/2015. It should have been paid off a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Managing the loan or lease

Complaint: Hello, I engaged in a vehicle lease through Chrysler Capital XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX of XXXX in the State XXXX. In XXXX of XXXX, I moved to IL and properly registered my vehicle through XXXX. As part of the registration process you must file XXXX tax form. This form/filing is the means to assess any sales/use tax due to the State XXXX when moving from out of state. I filed the form, and paid tax due to XXXX in the amount of {$790.00} ( documentation/payment rationale attached ). 

A few months later, I received a debt collection call from Chrysler Capital stating that I owed them {$1600.00} plus fees totaling {$2200.00}. After many calls ( and over many months ) with them, and the state XXXX, it was determined that I properly paid my taxes and that the State improperly billed Chrysler Capital. Chrysler Capital does not assign a single representative to the handle the matter, so every time we speak we start from scratch. Since Chrysler Capital is the owner of the vehicle, they simply assumed tax was due and they made the payment. They are unwilling to work with the state XXXX to obtain the proper credit/reconciliation for the over payment they made to the state, and rather simply assert that it 's not their problem - they paid the state so i need to pay them. I have confirmed with the state that since i do n't own the vehicle, there is nothing further i can do to resolve the issue considering i provided proper documentation of adequate and proper payment. The state needs to credit Chrysler Capital, but Chrysler Capital will take no action to obtain the credit, and there is nothing I can do to obtain it for them since I did not make their payment, I was never billed, and I do n't own the vehicle. 

Chrysler Capital has been unreasonable, and unwilling to take proper steps to resolve the matter, which results in an outstanding balance due on my account to them for the {$2200.00}. I have done everything i can to try to resolve, but at this point i do n't know where else i can turn for help and am hoping the CFPB will step in to help me do what is right with this issue. 

If further information is needed from me, I am happy to provide any details to bring this to final resolution. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX are reporting 3 account on my credit reports and amount are {$470.00}, {$740.00} and {$410.00}. I have disputed this 3 accounts with Experian, XXXX and XXXX and also sent XXXX XXXX XXXX debt validation in which XXXX XXXX XXXX has not responded.

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Recognize a few inquiries on my TransUnion Recognize a few inquiries on my TransUnion XXXX and XXXX report that I have not authorized. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNUON INQURIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Student loan (Private student loan) with DISCOVER BANK (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I recently refinanced my student loans with XXXX refinancing company. On XXXX/2017, a check was disbursed to Discover Student Loans in the amount of {$58000.00}. This disbursement brought my balance with Discover to {$0.00}. My online statements with Discover showed that as of X/XX/2017, my account had been paid in full. On X/17/2017 Discover Student Loans withdrew {$680.00} from my personal bank account. ( I had been on automatic payments with Discover for the lowered interest rate incentive ). On WednesdayXX/XX/XXXX17, I checked my discover account to make sure everything was all set. It was then that I discovered that the balance had been paid off in full on XX/XX/XXXX17, and yet Discover still withdrew my full monthly payment from my account. I contacted Discover and spoke to a supervisor XXXX, about the issue. She looked into my account and verified that the payment of {$680.00} from my personal bank account was taken after the loan was paid in full, and that they had also overcharged the refinancing company, with the final balance of overcharged funds being over {$700.00}. I was assured by XXXX that this was an error on the part of Discover and that my personal bank account would be refunded the full {$680.00}, and the remainder would be refunded to the refinancing company. XXXX told me to expect the refund byXX/XX/XXXX/17 and if I did not see it appear by then to call back. As of XXXX/XXXX/17 at XXXX there was no refund posted to my personal bank account so I called Discover. I asked to speak with XXXX but was directed to another supervisor XXXX. After looking at my account " thoroughly '' and checking previous notes about the situation, XXXX informed me that my refund was being looked at by Discover 's finance department because " there seemed to still be charges on my account ''. At this comment I informed XXXX that my balance was and had been {$0.00} since XXXX/XXXX/17, and that XXXX had assured me that Discover would refund me {$680.00}, because of the overcharge. XXXX informed me he would talk to XXXX onXX/XX/XXXX17 to see if they could straighten things out, but he also led me to believe that I would not be refunded {$680.00}. Over the past year I have had multiple issues with Discover with  overcharging my account, and manipulating my account without informing me. I have previously filed a complaint about this company, and I was given explanation and told that I would have no more issues. I am extremely frustrated by this whole situation, especially since my personal bank account is involved. I know this may be subjective but I ca n't be the only customer this is happening to, and it is very discouraging to essentially not be able to do anything about it. Though I know it may not be a lot to some people, but {$680.00} is a lot of money to me, and I would like to fix this issue and make sure the same is n't happening to other customers out there.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: hello, I 'm having trouble every month making my payments to the capital one buy power card on their 24 hour customer center phone number on the back of the card XXXX XXXX when ever called to make a payment around the end of beginning of the month the recorder goes on and on like if it does n't hear me or cant understand me, when pass on to a live representative they say it will take 5 minutes because of high volume, of course their automated service is not responding, so every customer has to go thru to the live representative which in turn charges a process fee or a late fee when card payment is not made on time. I got so mad I told the customer service agent this was my ( 2 ) second month calling and that the electronic system is not working properly and it passes me down to them so they can charge a fee for processing my payment, he acted like he could n't hear me, and when I said your answers indicate you can hear me he hung up. I called back and the call magically went thru without a hitch goes to show me they 're manipulating the system so people can use the live customer service agent and charge the fee to process a payment or late fees when payments are not made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XX/XX/XXXX I sent letters to EQUIFAX requesting verification. EQUIFAX continues to break federal laws according to FCRA. EQUIFAX has conducted a improper investigation. Equifax has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Furthermore, Equifax have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly DELETE all information which can not be verified. '' I REQUEST THAT ALL UNVERIFIABLE INFORMATION BE PROMPLTLY DELETED.

Company response to consumer: Closed with explanation