milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2016 about Mortgage (Other mortgage) with RoundPoint Mortgage Servicing Corporation (WV).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX originally handled the loan for my home and property. This loan was then bought by RoundPoint Mortgage Servicing Company, before the first payment was even processed. RoundPoint Mortgage Servicing Corporation failed to use my escrow payments to pay my property taxes, which were due six months ago. I have contacted them six times in the last month ( since the day I received notice from the XXXX that my property will be auctioned due to delinquent taxes ) to rectify this situation. They are clearly in the wrong and have admitted as much. Every time I ask for a status I 'm reassured that all is well. I follow up with a call back, and nothing has been done. The property goes up for auction after tomorrow, and they will not agree to provide me with any confirmation that the taxes have been paid ( after they finally do pay them ), so I can not know that my real estate will not be auctioned. I do not have the funds to pay the taxes myself, though I could use a credit card, but I would have to pay interest on the charge and get caught in another battle with RoundPoint to get them to do the right thing. I ca n't believe this is happening!

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 10/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have XXXX tax lien via the state of Georgia on my TransUnion credit report. I have attached documents that provide proof that the following should be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Debt collection (Medical debt) with Receivables Management Partners, LLC (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I went to my doctor 's office ( XXXX XXXX XXXX XXXX ) in XX/XX/2017. I received a bill from them in XX/XX/XXXX for my {$30.00} copay and paid the amount. 

They referred the account to collections at RMP, LLC ( Receivables Management Partners ) where they agree the debt has ben paid but that I owe a {$7.00} " collection fee '' They stated they mailed me a statement showing that the XXXX is owed but I did not receive this. 

I attempted to make another appointment with XXXX XXXX XXXX XXXX and they advised they would not see me until I paid the amount outstanding. I called RMP and spoke to a XXXX XXXX, advising I wanted a bill mailed to me showing the amount that was due and for what reason. He refused to send me a bill, stated I owed they money and needed to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (FHA mortgage) with BROKER SOLUTIONS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: After I enrolled in automatic debit for monthly payment, New American Funding debited XXXX payments for the XXXX payment from my checking account, once on XXXX XXXX and the XXXX on XXXX XXXX. The loan payments were not overdue and there is other legal basis for taking the XXXX payment. They applied the XXXX payment to XXXX even though I repeatedly asked for the money back. I did not authorize the taking of any extra money, just the payment due for XXXX month at a time. They refused to explain why the extra payment was taken and refused to put it back into my account the same way they withdrew it. This was an overdraft in my checking account. I have no resources to cure the overdraft, so my bank levied {$34.00} overdraft fees at least XXXX times + another {$10.00} for transferring my entire savings to checking even though it was n't enough to cure the overdraft. After pleading on the phone with their agent XXXX XXXX she told me it was arranged for the money to be put directly back into my account and gave me confirmation # XXXX. After 2 days, I contacted XXXX XXXX to tell her the money had not been deposited. She replied a check would be mailed on XXXX XXXX. New American Funding would reimburse a stop payment fee but not any overdraft fees. By the time that check arrives and I take it to my bank to put in my account it will be 3 weeks since it was taken. New American Funding cost me much more than the extra payment, I have multiple bank fees and expect late payment fees from various creditors who could not be paid on time. That alone impairs my credit record. I am retired and live on a fixed income that is just enough to cover my needs and put a little aside in savings, so without that money my family & I are suffering severe hardship we needed that {$1300.00} for food, utilities, fuel and other necessities of life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I disputed an error on my credit report in XX/XX/2017. I have no heard or received an update from trans union. Each time I follow up Im told they are still investigating the matter.

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 07-12-2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (PA).
Issue: Trouble during payment process

Complaint: I received from  XXXX   Country Tax Claim Bureau  on  XX/XX/XXXX   a " Notice of intent to  Asses  Attorney Fees '' by certified mail because I have a delinquent taxes due {$3500.00}. I send to  Caliber Home  Loans copy of this letter by certified mail and by the system. Then I call to see what happened with my property taxes. They tell me that open a research and after  1 1/2  months  (  final week of  XXXX   XXXX  they tell me that all the taxes have been pay by  Caliber Homes  including the penalties fees. I request a copy of the payment but never send me this.  <P/> Next I received from  XXXX   Country Tax Claim Bureau  on   XX/XX/XXXX   a " Second Notice of intent to Asses Attorney Fees '' by certified mail. I sent to  Caliber Home  Loans copy of this letter by certify mail and by the system. I call again and they tell me that the property taxes has been pay in full.  <P/> Then I received a letter with analysis date   XX/XX/XXXX   from  Caliber Homes Loan th e same requires me to pay {$3000.00} for the escrow account.   I am writing a letter back to require a correct analysis of my escrow account that has been misused by   Caliber Homes Loan.
<P/>  My Analysis of the Taxes that I send to  Caliber  in the letter  : 1.  The taxes for  XXXX  ( according to invoices  )  were {$690.00}  ( county &  municipal ) + {$2200.00 } (  school ). For a total of {$2800.00} before   XX/XX/XXXX  . You debited from my escrow account on   XX/XX/XXXX   the amount of {$1600.00} ( city/town/township ) and on   XX/XX/XXXX  he amount of {$2000.00}  (  school ). For a total of {$3600.00}. There is a difference of {$780.00} that you took out of my account.  <P/> 2. The taxes for  XXXX  ( according to invoices  )  were {$1600.00}  ( county  & municipal ) befor e XX/XX/XXXX   + {$2000.00}  (  school ) before   XX/XX/XXXX   for a total of {$3600.00}. You debited me from my escrow account in  XXXX   XXXX  the amount of {$1700.00}  (  city /town ) + {$2900.00}  (  city/town ). For a total of  XXXX  taxes of {$4600.00}. There is a difference of {$980.00} that you took out of my account.  <P/> I send to  Caliber Homes  Loans a certified letter on XX/XX/XXXX  explaining all of this and requires the immediate correction of this. I never received a call or letter from  Caliber  and still have in the web site my new increase payment on my loan.  <P/> Is very important to let you know that I 'm never pay late my home and I am not responsible for taxes penalties. I call  Caliber Homes  yesterday to follow up my letter again and they tell me that my property taxes has been increase and that 's why. I tell the lady that talk to me that is impossible because I have a homestead exclusion in this house and they have copy of that.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit card or prepaid card (General-purpose prepaid card) with Young America Holdings, LLC (GA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint: This complaint deals specifically with false and abusive practices by XXXX XXXX ' rebate process, which is handled by a company called " Young America , LLC. '' My rebate was submitted XXXX XXXX ( see screenshots ). Even though the confirmation says " allow up to 8 weeks from submission to receive your rebate '' it 's been almost 18 weeks at this point. I 've called them half a dozen times ( typically every 2 weeks ) but I 'm told that the representative ca n't do anything to help and that I should 'just wait another 2 weeks. All of this, despite multiple reps stating very clearly that I had submitted everything correctly with all required documentation and one representative even stating that a check will be sent out and I would receive it within 5-7 business days. They have neglected to call me back when promised and have yet to make good on the original terms of the rebate agreements. I feel I 'm at a loss as to what to do about this. It 's unfair, it 's deceptive, and it 's abusive. I 've spent hours on the phone with them for something I should have received months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with FIRST NATIONAL BANK OF PENNSYLVANIA (OH).
Issue: Trouble during payment process

Complaint: I mail payments to my local First National Bank branch to pay my HELOC second mortgage. In both XXXX and XXXX the check cleared but the payment did not appear on my statement. I caught the mistake reviewing my statement and called the branch. They told me that the payment had been misapplied and the problem has been fixed. 

This happened a total of four times in 2016. 

I 've had to go through the process of notifying the branch of their mistake each time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was checking my credit report to make sure another issue was cleared up and I noticed this {$3200.00} judgment was listed on my report. The creditors are listed as XXXX XXXX XXXX and XXXX XXXX XXXX. The judgment was expunged from my record and should not be on my report. I 'm attaching the order of expungement from the court.

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 05/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On  X/XX/17    i attempted to log on to lay my credit card bill with  capitol one.  The mobile site i use to make this monthly payment was down. The link said the mobile site was down and that i should try again shortly, upon trying again the site was still down and now i have been charged a late fee that i should not have to pay

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Closing/Cancelling account

Complaint: Barclaycard closed my credit card account with no warning and now claims that I have 'forfeited ' my cash back rewards balance of {$12.00}, even though I had no knowledge of their plan to close my account. Clearly, if I had known, I would have access that cash rewards as a credit to my 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 05/21/2016 about Debt collection (Auto) with MERCHANTS ADJUSTMENT SERVICE, INC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving calls from XXXX and I have a letter from them ( XXXX XXXX/Mercantile Adjustment ) stating I owe {$1200.00} to XXXX XXXX XXXX. I do not owe any money. I have a lease, it is paid on time. I contacted the person I leased the car from, XXXX XXXX at XXXX XXXX in XXXX, Vt. She has been in touch with XXXX XXXX. I do not owe any money. This is a bogus claim from a company I see listed on the internet who have been making bogus threatening calls for years.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 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: I sent dispute letters via mail in online to XXXX XXXX and Experian, each of them the sent me results with in five days saying investigation is complete but I do n't understand how you can complete a ingestion with in 5 days. I was apart of the XXXX data breach in it is a lot of stuff on my credit report that does n't belong to me. in the following is as listed XXXX XXXX 's XXXX XXXX XXXX XXXX and also XXXX 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 05/25/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: This is my daughters student loan that I co-signed 10 years ago. XXXX of us forgot this and when she quite paying, Navient started calling me. I have called them and proposed a payoff amount to XXXX XXXX, Senior Collections Mgr. at XXXX. I have worked out the payoff deal with my credit card and it is a time sensitive offer which I have relayed in the several voicemails that I have left for XXXX XXXX. I have received no response. I have left another voicemail today requesting that she call me back and simply let me know she is working on this. Late this afternoon I received another collection email. There is no email address to respond to letting them know that I have been in contact with XXXX XXXX. I am asking for a response so that my daughter and I can move on. This loan started at {$5600.00} 10 years ago and because my daughter could not afford to pay more than the 10 % interest payments, the loan is now at an astounding {$8600.00}. She was too embarrassed to tell me this. I do n't want to accrue any more interest on this loan. I originally asked them to lower the interest rate and I would make the payments to them. XXXX XXXX XXXX told me she had the power to do that but would not. That is why I am contacting her boss XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Trouble during payment process

Complaint: Chase mortgage is not waiving PMI when my loan is coming down to 80 %. No they say I need to pay {$400.00} for appraisal and then the loan value should be 70 %.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have not received a mortgage statement from Ocwen Loan Servicing since XXXX XXXX, 2015. When I called to see why I have not, I was told there was a glitch in their system and they do not know when I will receive my statements. I have a loan modification and was scheduled to receive a {$31000.00} deferred principle adjustment on XXXX/XXXX/2015 and I have no record that they did that. I am current on my payments.

Company response to consumer: Closed
Consumer complaint received 12/17/2015 about Prepaid card (Mobile wallet) with AMERICAN EXPRESS COMPANY (OR).
Issue: Fraud or scam

Complaint: XXXX/XXXX/2015 XXXX fraudulent transactions were charged to my serve prepaid debit card from american express I immediately contacted american express customer service, they stopped XXXX of the transactions from posting, but the XXXX other fraud charges were posted AFTER I had spoke with their csr - those XXXX transactions were debited to my account, and the csr told me they will cancel the current card, reissue a new one and that I should transfer all active card prepaid funds to my serve reserve account so the fraud would not continue. I did as I was told. 

received the new card, however American Express Serve Card has locked my account. I can not use my funds that they have, since I can not access my account nor activate the new card. 

I escalated to a supervisor at the XXXX Call Center they can not do anything my account still controlled by their fraud dept I have spent a total of 161 minutes on the telephone with the Serve Customer Service team located in the XXXX the Customer Service Rep states they will connect me with their frad department which has locked-out my account - THE CSR NVER CONNECTS ME TO THEIR FRAUD DEPARTMENT They are holding my funds and I have no way to have any type of access too my funds via their prepaid debit card or my account access. 

I AM TOTALLY LOCKED OUT AND THEY ARE HOLDING MY FUNDS.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NM).
Issue: Problems when you are unable to pay

Complaint: lIKE XXXX YEARS AGO, I DECIDED TO ACCEPT AN OFFER FROM XXXX ( RIGHT NOW ONEMAIN FINANCIAL ) FOR EDUCATION PURPOSES, THE INTERES WAS REALLY HIGH HOWEVER I NEED TO PAY THE TUITION. AFTER THE YEARS THE LOAN IS NOT BEEN REDUCED, AMOUNT FOR THE PRINCIPAL IS MINIMAL

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Using a debit or ATM card

Complaint: The reason for this letter is to inform you on the amount of time it takes to get a response on a dispute. On XX/XX/XXXX, an unauthorized transaction took place on my card while I was in church. On XX/XX/XXXX, i noticed this transaction on my account. I called and spoke to a Regions Banker and I was told that I could not dispute it until the money was no longer pending. XX/XX/XXXX, transaction is no longer pending, so I called back to dispute the transaction. I was interviewed over the phone. I was also faxed over documents to sign and return. I returned the documents the same day. I was told that it would take XXXX business days up to XXXX business days. I called back on XX/XX/XXXX and was told by a Regions Banker " I 'm sorry that you thought it took XXXX days '' ... In addition to speaking to over XXXX Regions Bankers in a XXXX week period, I 'm still coming up with the same answer, " There 's nothing in the system about your request ''. " It can take up to 10 business days ''. " Please hold for XXXX minutes ''. " XXXX XXXX, there are no notes in the system, your dispute is still pending '' ... After XXXX weeks. I 'm still empty handed. I received a letter in the mail that told me to return the information within XXXX days of filing my complaint or my request will be dismissed. After looking over the letter, I realized that these were the same questions that I have already answered. 

When calling this past weekend, I was told that your office had not received the information that i faxed over on XX/XX/XXXX, and then again on XX/XX/XXXX. When I was adamant about returning the documents, the representative finally put me on hold again. She came back to say ask, " What time did XXXX fax the information ( on XX/XX/XXXX )? She locates the information that I initially faxed on XX/XX/XXXX. I was then told that it 's being expedited, which i 'm not understanding because I have already reached my XXXX business day. The representative old me to give an additional XXXX business days ... This has been the biggest inconvenience for me. I had to spend additional money to rent a car and borrow money to compensate for the money that should have been in my account. Your policy on disputes is the worst that I have EVER encountered. The communication with the customer service representatives and your fraud department is awful. Your bank locations and ATM 's are a huge inconvenience and this has really pushed me to close my account and go elsewhere. I am passed disappointed in the customer service and your policy for my situation. This has literally had me scrapping up change. As of Friday, I had a utility disconnected because I have yet to receive my {$150.00}. This disconnection also comes with a {$75.00} re connection fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with Primary Financial Services L.L.C. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX   XXXX  of  XXXX   XXXX  in arizona is creating LLCs with lenders to work around respa violations. Investigate him

Company response to consumer: Untimely response
Consumer complaint received 10/31/2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/2016 I was informed by XXXX that CitiBank made a hard inquiry on XXXX/XXXX/2016 to access my credit profile. Unable to receive any detailed information as to the inquiry via several phone conversations with Citibank, i filed a complaint with CFPB. I had not initiated any applications for credit. On XXXX/XXXX/2016, over 60 days later, I receive a letter stating that they are still unable to locate the source of the inquiry that was made. I then supplied them with a copy of the credit file report showing the inquiry in question along with the last four digits of my social. On XXXX/XXXX/2016, I receive a letter stating that on XXXX/XXXX/2016, Citi had received an application for credit in my name that prompted the inquiry and that said application for credit was denied. Citi states they will contact XXXX and modify the inquiry to a non-display inquiry. This does not fulfill what was requested in the original complaint. I have no copy, nor any details, pertaining to the fraudulent application for credit. Citi states that they will notify XXXX, however I request that they notify all XXXX reporting agencies since it appears on all XXXX, not just XXXX. I also request a copy of the credit application and all other details as to the origin of said application.

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