milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Please see attached email conversations where we have been lied to repeatedly about an escrow refund check. Also see photocopy of the check, dated the XX/XX/XXXX, along with the envelope dated the the XX/XX/XXXX. As can be seen from the emails and documents, Franklin American Support Representatives did nothing other than send false information out regarding the check. Based on that false information, we asked for a new check, only to have the original check arrive the next day. We immediately notified them by email of receipt and asked to have the stop pay process halted. 3 days later we were told we would have to wait again for the refund. Due to health and work issues, this refund is very important, and we do not trust Franklin American to handle in a timely manner. We also do not feel that Franklin American has acted in a manner consistent with the requirements of a fiduciary regarding these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Medical) with Frost-Arnett Company (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a Collection notice from Frost -Arnett Company dated XXXX XXXX, 2015 for the amount of {$70.00} in regards to a debt owed to XXXX . This amount was sent to collections without any prior notice to me from the XXXX even when I was making regular monthly payments on my account ( see attached documentation ). 

Because I am disputing the reason this was sent to collection, XXXX AND Frost -Arnett Company should not report it to any credit reporting agencies. If they have already reported any debt, please contact the credit reporting agencies, inform them that I was making payments and that the reported debt in dispute should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: This complaint is being filed by XXXX and XXXX on XX/XX/XXXX. In reviewing XXXX credit reports for both myself and XXXX we found that the mortgage department of JP Morgan Chase was running credit inquiries on both of us. This report shows the inquiries started in XX/XX/XXXX through XX/XX/XXXX They would alternate the months between myself and XXXX. The inquiries stopped for seven months they resumed XXXX, and they have continued running the inquiries in alternating months on both of us. Running inquiries on customers that have a mortgage, that has already been approved is in direct opposition to the policies of JP Morgan Chase. 
The policy of the bank is after the mortgage has been approved no additional inquiries need to be made into their credit history. Per the Fair Credit Reporting Act all inquiries into a customers credit history are to be work related, running credit inquiries into a person personal credit history for any other reason is in direct violation of Fair Credit Reporting Act Our loan is a FHA loan with a fixed interest and is in good standing. 
By Chases own policy there is no reason to continuously run inquiries into our credit history and by obtaining these inquiries when there is not a work related reason violates the Fair Credit Reporting Act. I am asking on behalf of myself and my husband XXXX for this incident to be investigated and determine what purpose is our credit history actually being used for, because these inquiries are not work related.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (Conventional fixed mortgage) with NEW YORK COMMUNITY BANK (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I had a first mortgage with New York Community Bank. They received a payoff for this loan on XXXX XXXX, 2016. We are supposed to receive a check for an overpayment and money from our Escrow account. We have not received a check. 
It has been 23 days since they received the payoff. I would like to know what is going on and why we have not received the check.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: have complied with request from all three credit bureau agencies and they have not processed fair accurate disputes to have information removed from credit files ... .. XXXX XXXX, IL XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and Bankruptcy that are reporting on my credit file are all invalid, not reporting correcting and are not mine the account numbers, dates, account themselves, and amounts are reflected on wrong credit profile have submitted police report and ID theft Affvd please see attached.

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 06/16/2016 about Debt collection (I do not know) with Direct Recovery Services, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive numerous calls from a particular number and now I have friends and family telling me the same number is calling them asking for me.

Company response to consumer: Closed
Consumer complaint received 10/25/2017 about Debt collection (Private student loan debt) with Constar Financial Services, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/2017~Constar Financial , XXXX AZ called me on a local [ XXXX ] XXXX - first on my office number, which is XXXX and was very rude when I requested to remove the number from their call list. I gave the person [ XXXX XXXX ] my cell number and he called me, again from XXXX number, when he was in Arizona. I requested his company name, location,, and true telephone contact number, which is XXXX. He indicated that his client, XXXX, was trying to collect on loans from XXXX ( XXXX and XXXX specifically ), but would not provide me actual loan numbers, instead gave me a sequence of XXXX which is part of my Social Security number. The loans in reference are old and should no longer be on my account and I called XXXX, who said they had no idea who Constar Financial was. The loans amount to XXXX, but again, these are old loans that fall under the statute of limitations which I am no longer responsible for - regardless, this person was very rude and threatening and when I said that the loans were private and uncollectable, he stated very rudely that " these loans never go away '' which is an absolute lie.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I became XXXX in XX/XX/XXXX. All my reserves were spent on medical costs. Missed a payment on my mortgage XXXX. Rec 'd notice of intent to foreclose from XXXX XXXX. Vacated the house, in anticipation of foreclosure. Filed bankruptcy XXXX, discharged XXXX. XXXX XXXX XXXX completely disregarded the bankruptcy and continued to try to persuade me to pay the mortgage, until XX/XX/XXXX, when they sold the mortgage to Nationstar. Nationstar continued to send me statements on a nonexistent mortgage. Both companies applied homeowners insurance to the property and told me I was responsible for that debt, too. XXXX XXXX XXXX went so far as to put retroactive homeowners insurance debt on the property, dating back to at least a year before I stopped paying the insurance myself ; also dated before the bankruptcy by XXXX months. They applied an {$11000.00} lien onto the mortgage, as well. I contacted the Comptroller of the Currency with my complaint with complete detail and, after many months was told that I still needed to pay XXXX XXXX XXXX, regardless of the bankruptcy. This week I received a letter from something called XXXX XXXX XXXX, which claims to be working for XXXX. It appears they are starting the whole process of trying to collect on a loan that does n't exist. I am still XXXX and unable to work. Every month is a struggle to make the Social Security XXXX, now Social Security due to my age, last more than a few days into the month. These banks need to leave me alone. XXXX XXXX XXXX should never have sold this nonexistent mortgage. I communicated all of this information to XXXX XXXX XXXX, countless times, and then, to Nationstar. Every time I receive a communication from these people, I am reminded of everything I 've lost due to my illness. The grief is unending. I do n't need to be harassed by banks that must have real business to attend to.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I called Equifax to inquire about how long it takes for my bankruptcy to come off my credit report. I read online that its 10 years from the filing date. my discharge was in XXXX of XXXX, which means filing date was 2 years before that. the person I spoke to informed me that it was 10 years from my discharge. I was ok with that and she asked me if I wanted to dispute it. I told her no, because I did n't want it to effect my credit. I disputed something on my credit with XXXX about 6 months ago through XXXX XXXX  about a debt from XXXX and they declined my dispute and dropped my XXXX credit score by 50 points, so I was concerned about that happening again. I have no debt or any payments to be late on my credit report. I had a hard inquiry on my credit report about a year ago, so my Equifax score has been a XXXX for a long time now. After the inquiry from Equifax a week ago they dropped my score 55 points to a XXXX credit is very important in life now. I 'm a XXXX XXXX and see these kind of things every day. can you please look into this matter for me, because I 'm scared to call them back about it and they will drop my score another 50 points, I do n't know what to at this point. PLEASE HELP!!!! I will attach screen shots from my phone. I have my credit score from before the phone call and after. I also have screen shots from when I called them and when they called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XXXX and XXXX has sued me without providing any information to me. The only notification I got was from the court saying I was being sued. The debt was owed to Bank of America for a credit card I struggled to pay. The amount was over {$2500.00}. I immediately called them to talk to them and find out more about what was going on. I set up a payment plan and began to pay. I ran into a hardship and was unable to pay one month and they immediately went to the court to get an order to garnish my bank account, both checking and savings. They stole over {$2000.00} in my student loan money without notice. From what I 've read, that in itself is illegal, to take federal student loan money. They blamed the bank for the amount of money they took and said it was up to them. I checked this with the bank and they vehemently denied that and said that they were only doing what the court order said. They refused to release the funds back to me and continued on their business. I once again set up a payment plan. This time I had learned a lesson and was faithful to my payment plan. The agreement was to pay {$50.00} every month at the end of the month. I did so, yet after I made my second payment to them, they garnished my bank accounts once again. I was told that once I made an agreement to pay monthly installments, this would n't happen. Needless to say, I am beyond furious because this is the second time they have taken every penny from me and left me without rent money, jeopardizing my housing situation. I believe this is poor conduct and probably illegal. I called them after finding out about them draining my account and they would n't talk to me about why this has happened. They say there was no payment agreement in place but I explicitly remember having a conversation with XXXX XXXX. He failed to put that in place or to even make a notation on my account to indicate such an arrangement.

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 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (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: On XX/XX/XXXX I called Discover card and reported fraud on my acct. 
3 separate charges were made in XXXX on the same day, XX/XX/XXXX, for {$510.00}, {$3600.00} and {$1500.00}. Discover card refused to remove the charges and will not do anything. I have sent 3 certified letters telling them these are not my charges and asking for some sort of signed receipt or proof that they have but I get no response! They just ignore me and keep charging interest. I have not even gotten a call to find out why I 'm not making any payments and it 's been almost a year.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Received a wage garnishment order for a medical bill that i did n't know about from XX/XX/XXXX. They obtained a judgement back in XX/XX/XXXX that i did n't know about either. I was never properly served ( they have an incorrect address ) I called when i received the one and only letter i got from them.explaining i was never informed and that i have a court order for my ex-husband that should have paid the bill.but they would n't listen.Spoke to me in a condescending way.They have been running my credit report every three months without my knowledge or consent to find me. i told them to cease and desist.but they dont

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: I have XXXX late marks on my credit report for XX/XX/XXXX and XX/XX/XXXX I reviewed my payment history with Santander and noticed that I made payments in both XX/XX/XXXX and XX/XX/XXXX. I called to get this corrected and they stated, " We do not do that. '' In addition, my account balance has only decreased by under {$100.00} since I got the loan back in XX/XX/XXXX. Santander could not give any detailed information as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Collection agencies ( XXXX XXXX XXXX XXXX ) have added a collection to all XXXX credit bureaus and I do not owe the original creditor who is XXXX XXXX.
My insurance paid the balance many years ago and now I have had two separate collection agencies trying to collect a balance of {$940.00} that they claim I owe. I do not owe this amount and I have the proof.
I requested proof from both collection agencies and this is what I received from both of them.
XXXX, Experian and XXXX only reduce the debt owed to a XXXX balance but leave the collection on my credit.
I want it completely removed. I do not want the next collection agency who receives this to be able to add it as a valid debt. I owe a XXXX balance and their own evidence proves it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Customer service / Customer relations

Complaint: We received an email from our credit card company, Capital One, on XXXX/XXXX/16 Friday asking us to confirm recent purchases. We called on Monday, XXXX/XXXX/16 to confirm, and they said it was too late, that one of our merchant 's systems had been compromised and they may be collecting sensitive account information, so they were turning off the credit card. We asked which merchant, and they would n't tell us. We asked them to please not turn off the card because it is used for business expenses, but they said they could n't do that. They said they would send us a new card. We have waited two weeks, and still no card. Today, XXXX/XXXX/16, Monday we called to ask what the status was. They said the card was still in effect, but had just been labeled to restrict use. They never told us a new card was n't coming in the mail. We asked them to turn the existing card back on, and they finally agreed to that. Two weeks ago we asked them the same thing, and they would n't do it. This has caused an interruption in our ease of business, as the owner of the company has not had his business credit card to use for the past two weeks. Very disappointed in Capital One 's lack of communication and lack of customer service to service our needs.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A paid my account with XXXX XXXX XXXX XXXX in full in the amount of {$110.00} and was told that my account would be updated and removed from my credit report. I have filed XXXX disputes with Equifax XX/XX/2016 and XX/XX/2016 and XXXX XXXX XXXX XXXX is still reporting that the account is still open and unpaid. As of XXXX/XXXX/2016 the account still remains on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: My social security card was stolen and i reported it and some things was placed on my credit and it was then told they can not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Other

Complaint: I spoke with Shell/CBNA Credit Card back in XXXX of XXXX to ask them in good faith to remove the bad marks on my XXXX credit reports which were only ( XXXX ) 30 day late payments. Instead they now have moved the dates of my Charge Off on my credit reports from XXXX XXXX being the last date reported to now being XXXX XXXX and it is being continually reported. This has dramatically affected all XXXX of my credit reports for an account that was opened XXXX of XXXX and closed XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (FHA mortgage) with Nationwide Biweekly Administration, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm pretty feed up with payment processors sending out mailings that resort to scaring people into reading their mailer and possibly tricking a consumer into calling them. 

The mailer i received today has " Mortgage Payment Information Enclosed '' most prominently displayed on the front of the letter in bold, red letters. It also has the return address of " Loan Payment Administration '' and through the window has " Regarding your : '' and my current mortgage called out by lender name. 

The body of the letter also states the direction to " Contact us by XXXX XXXX, 2015 '' and that " if you decline the biweekly program, you will be asked to confirm that you understand that you are voluntarily giving up the interest savings and loan term reduction. " We know what they 're doing and while it may be technically legal because they 've found the right loopholes, it 's still predatory. They must be tricking some people into calling, otherwise why would they do it. It should not be allowed. It 's just flat out dishonesty and that sort of dishonest should not be tolerated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: Wells Fargo has refused to remove the balance off the credit reporting system. We settled and they say that they will not remove at this time because I am represented.

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 08-11-2017 about Money transfer, virtual currency, or money service (International money transfer) with Remitly, Inc. (CA).
Issue: Wrong amount charged or received

Complaint: It was my first time to transact business with remitly inc to send money to the XXXX. The transaction took place on XXXX XXXX, XXXX. As part of their promo for first time clients the company 's website stated that the fee of {$3.00} will be waived as well as the dollar to peso conversion will be {$1.00} = P XXXX. I signed up and entered all my information including my debit card info. I made a transaction of sending the amount of {$600.00} to be converted to XXXX peso amounting to XXXX. Upon completing the transaction my receipt showed that the conversion was XXXX instead of the promised amount as stated. The recipient according to the receipt received an amount much lower than the actual conversion. I called the company and spoke with the rep and I was informed that it was an online oversight? And there 's no way that they can correct the mistake. The support team informed me that the difference in the amount will be added to my next transaction. I thought that it was totally misleading of the company to drive on the promo and then omit a disclaimer that there 's a chance that the promised amount will not go through after finishing the transaction.

Company response to consumer: Closed with explanation