milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (MO).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX, I asked my mortgage company ( RoundPoint Mortgage ) not to send a real estate tax check to the city of XXXX XXXX because I had already paid it. On XX/XX/XXXX, they acknowledged this and said my request was being processed and they would contact me if any additional information was needed. They never contacted me ( indicating they did n't need additional information. On XX/XX/XXXX, they sent a real estate tax check of {$4300.00} to the city of XXXX XXXX instead of following the acknowledged request not to do so. On XX/XX/XXXX, I filed a complaint through their online message system. On XX/XX/XXXX, they acknowledged receipt of the message and said they would forward it to the appropriate department. It has been 30 days since my complaint and my money is still missing ( not in my escrow account ). No other communication from RoundPoint has been made other than the email acknowledging my complaint on 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 12/20/2015 about Debt collection (I do not know) with AllianceOne Recievables Management (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Some unidentified agency claiming an association to student loan processing has been robot calling me on a weekly basis for several months WITHOUT identifying who they are! 

I have XXXX instances of this contact recorded on my telephone system. 

The robot states they are attempting to contact my son. When I 've contacted my son, he states that he has ALREADY been in touch with this organization. However, I 've seen NO evidence on my end that they are communicating his activity internally. 

In the past 2 months, I have talked personally to their representative one time and provided him with : - A statement that my XXXX year old son is working with them already - That I have NO responsibility for ANY of his financial commitments - That they MUST cease and desist ALL efforts to contact him through me - That if they failed to heed my request, I would have no choice but to report him for creditor harassment - A lawsuit for mental anguish is a possibility due to disturbance of my peace in my own home resulting out of the non-stop nature of their robot calling - I have NO evidence that this organization is legitimate, so I will NOT provide contact information for my son In addition to this recent personal conversation, I have also " pressed 1 '' as suggested by the robot 's script twice in the past three weeks to respond that I am not the correct person to contact. Each time, pressing " 1 '' has resulted in being routed to a voicemail system where I have reiterated the same information as in the bulletted list provided previously in this complaint. 

It is my belief that I have been more than patient in trying to get these people off of MY back, therefore I am making this step in an effort to get relief. 

If they continue harassing me, I will seek legal counsel in an effort to speak their language by seeking monetary compensation for their harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Medical debt) with NRA Group, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My insurance paid in full for this only visit I ever had with the client if this collector. 
I never received notification of the debt or a billing from this company. 
I requested a debt validation which has been unanswered. 
I disputed with XXXX They claim to have verified my information which I requested proof of and have not received it. 
This collection company also doesnt appear to be registered to do business in the state of Ga

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 03-01-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage in XXXX due to a temporary loss of income. I started the loan modification process with my lender in XXXX and to date, I am in the process of requesting another loan modification due to previous denials. In this process, I 've always been informed by my personal account specialist named XXXX that as long as the loan modification is under review it would prevent or place a hold on any foreclosure proceedings. I submitted my monthly loan mod in late XXXX, again being advised that the review would avoid foreclosure, and lo and behold, I was served with a foreclosure summons in on XXXX while my loan mod was in review. I 've continued to file loan mods since the foreclosure summons for the months of XXXX and XXXX. My most recent denial was on XXXX, in which I still have yet to receive a denial letter, but last week I received a letter from loss mitigation indicating that an Forbearance mod might be available and as of yesterday, I now have a XXXX sale date on my home. My intention in to stay in my home where I 've built a life in with my husband and family. I 've missed the foreclosure case status date on XXXX due to my loan mod app still being in review, and again the foreclosure process would cease while my loan mod is in review. XXXX from Ditech contact me on XXXX to update me on the loan mod status, in which it was still in review and no decision was made as of yet, which is why I did n't attend the status call, only now to find out that the loan mod was denied after I spoke with the agent. I feel that Ditech has dropped the ball on many accounts during this stressful period and is now leaving me resulting to staying persistent with them hoping to inundate them with modification applications and possibly hiring an attorney to fight this battle.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call every hour 7 days a week

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other

Complaint: I have been disputing inaccurate information that is reporting to the XXXX major credit reporting agency 's in regards to my capital one account. It is reporting as having a late payment. ( which I never was late in paying ). Recently I requested my interest rate to possibly be lowered. Capital one lowered the interest rate and sent me a letter that I would receive {$24.00} credited back to my card due to the lowered interest rate. I viewed the statment and it is showing as a late payment reversal fee. I contacted capital one as I explained that I was not late with my payment and have not received the credit back to my card they had promised. I was told that on XXXX/XXXX/2016 there was a credit for {$24.00} and on XXXX/XXXX/2016 there was a credit for XXXX cents. I explained that this is very confusing because showing on my statement it is showing as a late fee reversal. I also asked why in XXXX the XXXX then in XXXX the XXXX cents. I was told this is the credit that I was to receive for the interest rate. This is very mis-leading as it shows on my side that I was late and they gave me back the late fee. This is wrong information and also very confusing. I am submitting this complaint because I was not happy about seeing a late fee credit when I was not late. It should be listed on the statement a credit due back for lowering interest rate. This is very diseving. I am submittin this complaint because capital one is reporting that I had a late payment last year ( which I did not ). Having this deragatory remark reporting on my credit reports is affecting my credit score in a negative way. After seeing today how my statement read an untrue fact is quiet concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I have my td bank account linked to an XXXX XXXX app, and td bank is not updating my account balance to the app

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was paying off my student loan regularly and on-time. When I lost my job I applied for deferral from JP Morgan Chase ; I was denied and given the run around and vague explanations from the Student Loan department. I kept calling and trying to talk to someone about how it was currently impossible for me to make my loan payments and meet a minimum standard of living and was ignored and told to make my payments. With no other recourse left my loan defaulted and was sent to a collection agency. I was able to get another job and worked with the collection agency on a reasonable payment plan. Recently, Chase purchased back its student loans from the debt collector and cancelled my payment plan on the grounds that it was " unfair '' if all debtors did not have the same repayment plan. When I asked what my options were to get this resolved I was quoted a monthly payment of approximately {$600.00} or a XXXX time lump sum payment of {$8000.00} ; neither of which is possible for me at this time. When I explained this and asked what the next steps were I was told that I was not " authorized '' to know this information or timeline but that " further action '' would be taken in the future. My credit has been destroyed and my efforts to work with Chase have been denied and belittled at every turn. I have never been late paying my government student loans and would just really like to be able to get this JP Morgan Chase loan out of my life. It is not only a stress on my finances but my interactions with Chase have caused me undue emotional distress as well.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Billing disputes

Complaint: On XXXX XXXX I received a charge from XXXX for {$180.00}, which I disputed through my credit card issuer, American Express. I received a provisional credit from American Express on XXXX XXXX. Upon receipt of a refund check from XXXX I contacted American Express to reverse the billing dispute on XXXX XXXX, which lead to a fee being charged to my card by American Express in the amount of {$180.00}, which I was told would be forwarded to the merchant. Upon receiving collections notices from the merchant, XXXX XXXX, I opened an inquiry with American Express and it was determined that the original dispute was not properly closed and would need to be rebilled. On XXXX XXXX a charge for {$180.00} showed up on my credit card, and was tagged with the merchant information. I then contacted American Express to reverse the {$180.00} fee that was manually added to my card, but they have closed, opened, and closed out the dispute and have given me the run around on resolving this issue. 

XXXX Fee that needs to be refunded : {$180.00} Reference # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm making a complaint against TransUnion for their negligence in not removing the inaccurate reporting of these public records. I provided the proof that these are not reporting correctly and/or that they were fraudulently filed. 
Public Records US DIST CT XXXX- you have the filing date on this bankruptcy listed incorrectly and I notified you of this 6 times now and you have not done anything and are now in violation of the FCRA XXXX In addition to this, I did not give authorization for any party to report this on my credit file in the first place, which is a violation of FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) - see below - and therefore ; it must be removed. 

XXXX -this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

XXXX - this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;

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 11/16/2017 about Debt collection (I do not know) with Valentine and Kebartas, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I receive continuous calls for an individual even they can not pronounce the name. XXXX XXXX?? Must be under a number I received from XXXX XXXX years ago. XXXX. Those calls forward to my cell phone XXXX. I have asked and even called back when I am hung up on to stop calling and remove my number. I am told I do not own the bad debt account and cant speak on behalf of account to remove phone number. This will be year 3 soon that I keep getting phone calls.
Some calls I loggedXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX A lot of calls happen while I am driving or at my kids school event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Payday loan () with CNG FINANCIAL CORPORATION (FL).
Issue: Received a loan I didn't apply for

Complaint: I have never applied for a loan, received a loan or been in contact with the Check 'N Go Company. They sent an invoice or bill in the mail that states my payment has been dishonored. 

I 'm either concerned that someone has used my identity to take out a loan or Check 'N Go is trying to scam me out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Date XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I went online and requested a call back from a car salesman. He then called me back asked me if it was okay to do a " SOFT '' credit check to see what I may be looking at when I do apply for a new car. Before I know it the sales person ran my credit with all these different banks without my consent and he never called me back with any information.

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 10/26/2017 about Debt collection (Auto debt) with CREDIT ACCEPTANCE CORPORATION (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Credit Acceptance Corporation ( XXXX ) failed to honor a reaffirmation on my auto loan following a XXXX bankruptcy filing ( dischargedXX/XX/XXXX ). I continued to pay {$310.00} to XXXX via automatic payments from my checking account without interruption. I later found XXXX had closed my account, and had not been reporting my timely payments to the Bureaus ( XXXX ). Between the time of the bankruptcy filing and my finding XXXX had not been counting and/or reporting my payments, I had paid them at total of {$1800.00}. Their report to the Credit Bureau reflects DFD/DLA of XX/XX/XXXX. I had absolutely NO default at this point, and had continued to make timely payments through XX/XX/XXXX. Following the discovery, I contacted XXXX and voluntarily surrendered the vehicle ; however, they are reporting it as an involuntary repossession. XXXX is now attempting to litigate against me in Civil claims court for the vehicle despite their having closed my account and kept my payments without reporting them.

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 08-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (ID).
Issue: Billing disputes

Complaint: My credit card through American Express is currently set up for automatic monthly payments. The payment is set to be my full statement balance on the due date every month ( the XXXX ). There have been no issues for five months, until this month 's payment. 

This month 's automatic payment was paid exactly one day late. No settings were changed, and the bank account connected to the account has well over fifteen times the amount of the bill. Seeing as the payments historically transacted on time every month, and the next automatic payment is set to be paid on time, without any change of settings, I 'm inclined to believe that American Express deliberately postponed my automatic payment in order to collect their {$27.00} late fee. Especially because they make little revenue from customers like me that pay everything in full on time, thus avoiding credit card interest. 

I have done absolutely nothing to warrant my automatic payment to be LATE, and yet I 'm charged a late fee and both myself and my wife ( authorized user ) will suffer from the negative impact this will leave on our credit scores, forever affecting our credit health.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/18/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX, I paid off the total balance of my Victoria 's Secret Credit Card Account, which is {$32.00} and received a confirmation email for that payment. After that, on XX/XX/XXXX, I have successfully closed my account with the confirmation from Victoria 's Secret. However, that payment of {$32.00} was returned on XX/XX/XXXX with no reason provided. Up until now, no alerts nor notifications were made to let me know that the payment was returned. It resulted in the late fees of {$28.00} in my total balance. 
Since the late fees of {$28.00} was created by the lack of Victoria Secret 's responsibility to notify customer about the returned payment after customer had closed their account, I request that late fees of {$28.00} must be dismissed. 
Victoria Secret 's Customer Service denied its responsibility for the unnoticed returned transaction after customer closing account. 
See attachments for confirmations and proofs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2017 about Credit card () with DISCOVER BANK (FL).
Issue: Credit card protection / Debt protection

Complaint: Hello, I have been a credit card member of Discover since XX/XX/XXXX. I just noticed that as far as I can go back ( about XX/XX/XXXX ) they have been charging me for a Payment Protection Fee which I never signed up for adding up to about {$2000.00}. 

I researched this matter and see there have been many complaints from customer who were also signed up for these fees without their consent and that the FDIC found Discover 's practices deceptive and there was a class action suit filed against Discover for this. 

I called Discover today with this complaint to cancel future charges and to request a full refund for the amounts charged without my consent. I was told they could only refund me about {$320.00} for the last 6 billing cycles. After requesting a Manager, he kept on with the same rule and added that they have recording of me opting in for this service and that they have done their " due diligence '' in making sure their customers know about this fee by putting it in the statement and sending communications by mail/email. I NEVER signed up for this service and when I requested to hear the recording of me agreeing to opt in to the Payment Protection plan, I was told they could n't share those recordings with their customers for " legal '' reasons. 

I 'm very disappointed and upset that a reputable institution would go about these tactics to seamlessly add small charges to customer credits cards which add up to their hard earned money over time.

Company response to consumer: Closed with explanation