milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2015 about Mortgage (Other mortgage) with RoundPoint Mortgage Servicing Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2011 I become unemployed. At that time my mortgage servicer was XXXX XXXX XXXX ( XXXX ). By XXXX I ran out of funds and I applied for mortgage modification and I head great difficulties to have the mortgage modified by XXXX, regardless, I used XXXX different mortgage modification company to help including XXXX MHA approved, Credability with no avail. 
XXXX sold my mortgage without resolving my modification. 
The mortgage changed couple of hands since. 
I am XXXX years old and XXXX, but because I was turned down with my modification and I need to keep my house I was forced to go back to work. I applied for modification to have my mortgage interest rate reduced not raised. 
The servicer Roundpoint Mortgage Servicing Corp. offered me a totally dishonest modification they are raising my interest rate from XXXX to XXXX. They are stilling my house, I am XXXX and my XXXX benefice is {$2000.00}. I have to XXXX as soon they will make my house affordable. 
Is insane to force me to work until I will be XXXX to pay the mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit card () with CITIBANK, N.A. (TN).
Issue: Billing disputes

Complaint: On XXXX XXXX, I purchased a refrigerator from the sears online outlet. The cost of the refrigerator was {$1400.00}, the fee to deliver the refrigerator was {$380.00}, I also purchased a protection agreement for the refrigerator for {$490.00}. All of the charges related to the purchase of this refrigerator, total {$2300.00}. All of the charges were processed and I have been billed for them on my Sears credit card, but the refrigerator was never shipped and therefore, I never received it. 
I have called the outlet store in XXXX, Michigan ( XXXX ), that processed all of the charges, but failed to ship the item, multiple times. I have called the bank that manages the Sears credit card, multiple times ( XXXX ). I opened a dispute with the bank that manages the Sears credit card, and I have finally received a credit for {$1500.00} for the purchase price of the refrigerator, including tax. And I have finally received a credit, for the {$320.00} delivery fee, that I was charged for delivering that same refrigerator, that was never delivered. But the dispute was closed without giving me credit for {$490.00}, for the protection agreement that I purchased to protect the refrigerator, that I never received. I have nothing to protect! 
I do not have the refrigerator, a credit has been issued for the refrigerator. Because the refrigerator was never shipped. 
I have been credited for the delivery fee, since nothing was delivered. 
For some reason, Sears and the bank that manages their card, continue to bill me {$490.00} to service a product that I do not have. I need to be credited for the protection agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Late fee

Complaint: Good morning. I have a credit card with Capital One. My payment due date is the XXXX of every month. I made my XXXX payment on XX/XX/XXXX. I had a little extra money a couple of weeks later, so I figured I would go ahead and make my XXXX payment early ( XX/XX/XXXX ). I did all of this via their automated system. Well, now they are telling me that payment I sent did not go to my XXXX payment and I have another payment due XX/XX/XXXX. When I contacted them, they stated that they could not credit that payment to XXXX and I would need to make another payment by the XXXX or I would get hit with a {$28.00} late fee. This seems to be a nice scam for them. I paid EARLY, but they did not credit my account as such in an attempt to collect a bogus late fee. Your attention to this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (I do not know) with Clear Debt Solutions, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This person can barely speak english and has repeatedly called threatening legal action but will not tell me what it is for. They have called me, my employer, and family members giving out my information

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with Vital Solutions, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: VIOLATION OF MY CRA RIGHT SENDING BILLS THAT I DO NOT OWE THE CREDIT BUREAU ALL TOOK THEM OFF AND ARE SATISFIED THAT I DO NOT OWE MONEY ON A LEASE THAT HAS GAP INSURANCE I SENT ALL THE REQUIRED DOC 'S TO ALL COMPANIES INVOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: Experian will not stop unwanted Promotional Inquires after I have filed and opt out sign a Notice oF Election form and I have requested to stop since XX/XX/2017 2017

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 01/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently started getting repeated calls from a debt collector regarding an outstanding balance of {$100.00} with XXXX. I have n't used XXXX in years and when I did, I paid my bill automatically. When I called XXXX, they could not tell me when I last had XXXX as my service provider. They said that the oldest records they have are from XX/XX/2013 and that the bill was from an earlier date. So they were unable to show me the bill. Also, is n't there a statute of limitations?

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (Medical) with Stanislaus Credit Control Service, Inc. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They put lien on my home when they revive the amount is less there I had to pay I pay double.

Company response to consumer: Closed
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Over the years I have paid thousands of dollars, only to continue to have the same remaining balance. When I would call to ask why this was happening. I was told my interest rates are variable. I find it extremely convenient for Navient that my interest varies every month to prevent me from paying off my balance. If this continues I will pay off 3 times or more what I borrowed for my XXXX degree. I have also tried to consolidate and get fixed loans or offer a large lump sum payment to settle and I was told that is not an option with Navient. Something does not seem right with there accounting and as someone who does n't know the in and outs of my loan calculations, I tend to take what they say I owe for face value. I feel cheated by there system.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other fee

Complaint: On XX/XX/2016, I applied Chase XXXX credit card, and got approved one day later. On XX/XX/2016, I was charged for {$450.00} annual fee for this credit card. On XX/XX/2016, my XXXX credit card was forcibly closed by Chase. However, before my credit card closure without giving any specific reason, at that time, I had't got a chance to make a single transaction. 

I tried to contact Chased to discuss how to refund my {$450.00} annual fee in early XXXX, since Chase will refund the annual fee if the account was closed within 30 days of the account opening date. ( It is only 18 days from XX/XX/2016 to XX/XX/2016, so it is eligible to receive the annual fee refund ) However, the representative answered my phone and rudely told me " ... we wo n't refund annual fee, even within the 30 days window, if the credit card was closed by the bank end ... ''. And he was in a very inpatient and unfriendly mood. I then still nicely asked if they have any rule or policy specifically stating this, he told me there is a rule on the card agreement, and when I handed out the agreement ask which rule it is, he only pointed out the rule indicating how they would charge the annual fee. I then felt like I was fooled, so I hung up and called again, different representative, and she said " there is a rule '', but when I asked which rule it is, she even failed to answer! So ridiculous! 

Later I went through the entire card agreement they sent me, and clearly there is NOT a rule says like " the annual fee wo n't be refunded if the credit card was closed by the bank end ''! These representatives lied on their own agreement! They ate my {$450.00} fee illegally on my unused credit card, and never wanted to return it! I can not believe this is how JP Morgan determines you are not a valued customer, closed all products they offered without giving any reason, and finally kept all the fee they should refund!

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2015 about Debt collection (I do not know) with Premier Recovery Group (WI).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have gotten several calls from someone representing themselves as PRG. They claim that I wrote bad checks for a payday loan I did not take out and then claim that I never attempted to pay a company back, and threaten to serve me with papers if I do not pay them. They refuse to give me any information on this supposed debt or send me anything in writing, they just ask to conform my social security number and banking information.

Company response to consumer: Closed
Consumer complaint received 11-05-2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: We applied for a refinance of our mortgage loan under Harp guidelines with Quicken. They are not our original mortgage lender. We were contacted via email and phone calls at least ten times daily asking for more documentation. We asked repeatedly for a complete list of everything they might possibly need from us so that we could provide it all at once and stop all the interruptions to our work days. We were not only denied that list but told that Quicken did not even have one. We were asked to provide proof of employment for my husband. We provided Quicken with two months of bank statements that clearly show a weekly direct deposit paycheck for him and my husband 's employer also emailed a proof of employment document to Quicken. They refused to accept it as proof of employment. We legally complied with all their requests. As we can not control the format of the proof of employment documentation our employers provide, we had to cancel our HARP refinance of our mortgage. Quicken has unreasonable demands for the loan application process.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit card () with CITIBANK, N.A. (OR).
Issue: Balance transfer fee

Complaint: I have a credit card XXXX XXXX XXXX XXXXI have a balance of about $ 3500I am a XXXX XXXX veteranliving in a retirement home -- XXXX years oldThey are bialling me at {$290.00} per month- I can pay about {$100.00} -Macy is crrentlyf ining me each month I want to pay and have been paying my account up to date for several yearsCan I get a mediation??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: HELLO. 
THIS LETTER IS TO COMPLAIN ABOUT SERVICES I RECEIVED STARTING XXXX XXXX, 2012. I ORIGINALLY WENT TO THIS OFFICE BECAUSE I HAD XXXX METAL FILLINGS IN MY TEETH. I JUST WANTED THESE FEELINGS OUT AND REPLACED WITH COMPOSITE FEELINGS. THIS IS A VERY SIMPLE PROCEDURE. I WAS TOLD THAT I NEED CROWNS AND ROOT CANAL. AS I WAS IN THESE PROCEDURES DONE I KEPT ASKING ABOUT THE MATERIAL USED FOR ROOT CANAL AND CROWN 'S. I GOT I DO N'T KNOW FOR AN ANSWER EVERY TIME. MY ORIGINAL COMPLAINT I WENT TO THIS OFFICE WAS XXXX XXXX MATERIAL IN MY FEELINGS. LATER WHEN I FOUND OUT BY COMPLAINING TO THE BANK THAT THE MATERIAL USED WAS XXXX XXXX AND I HAD REPAIR BILLS FOR XXXX OF THE CROWNS I WAS COMPENSATED FOR {$1400.00} PLUS INTEREST THAT WAS AMOUNT OF {$1700.00}. UP TO THIS DATE I HAVE NO IDEA WHAT MATERIAL WAS USED IN ROOT CANAL. I HAVE COMPLAINED MANY TIMES THE BANK THAT FROM THE BEGINNING THE CONTRACT WAS BREACHED AND I WAS CHARGED FOR PRECIOUS MATERIAL AND I WAS PROVIDED XXXX XXXX AND UP TO THIS DATE I HAVE NO CLUE WHAT MATERIAL WAS USED ON MY ROOT CANAL. WHEN I COMPLAINED TO THE BANK FOR THE LAST TIME I WAS GIVEN A CREDIT OF {$730.00} FOR {$5100.00} $ XXXX THE INTEREST OF 14.99 %. I 'M NOT EVEN SURE IF THIS AMOUNT IS CORRECT. I AM VERY CONCERNED BECAUSE XXXX OF THE FILLINGS HE HAS DONE NEEDS CROWN AND ANOTHER XXXX CROWNS NEED TO BE REDONE. THIS IS ANOTHER CHARGE OF {$3600.00} ON TOP OF OLD EXPENSES THAT HAD ORIGINALLY COST AT LEAST {$8000.00} OF EXPENSES SINCE XXXX OF 2012. PLEASE BE ADVISED THAT CONTRACT WAS BREACHED AT THE BEGINNING AND I HAVE TO HAVE ALL THE CROWNS BE DONE AGAIN BECAUSE I DO N'T KNOW WHY I HAVE XXXX IN THE XXXX AND I FEEL DIZZY ALL THE TIME. I AM COMPLAINING BECAUSE I HAVE SERIOUS DIFFICULTIES CHEWING ON ALL OF THE TEETH HE HAS WORKED ON.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home in XXXX XXXX. The house appraised above the purchase price. I put 10 % down and have been consistently making additional payments ( two full payments each year ). The principal is now at less than 80 % of the original purchase price. On XXXX XXXX, XXXX I filled out the paperwork to remove PMI and sent my lender the requested amount ( {$310.00} ) associated with the " required '' appraisal. The check was cashed shortly thereafter. I received a VM on XXXX/XXXX/XXXX stating that I should call back " in reference to [ my ] appraisal ''. I called the number provided back on that day and again the following week. Each time I was told that " systems were down and the representative could not help me ''. On XXXX I received a follow-up call. At that time I was told that the appraisal was going to cost {$180.00} more than originally stated. This brings the total to {$500.00}, which is more than any amount shown on the mortgage lender 's schedule of amounts owed for the appraisal. I arranged for payment and was then told that it would be another seven days before anyone could contact me to schedule the appraisal. It appears that this company is deliberately delaying the necessary steps to remove PMI in order to continue to charge the PMI ( {$180.00} per month on a loan of {$350000.00} at 3.65 apr ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Medical) with ATG Credit, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: We have never received notification from this agency regarding a medical bill. The only way we found out about this debt was through a derogatory collection mark placed on the credit bureau report. We want to pay the debt, but feel the item should be removed from the CBR because we did not receive notification of the debt. The agency will not remove the item, says the can update. Claims they have validation we knew about debt. This is not true. The numbers they gave and stated they were contacting us were not even our phone numbers. We just updated them with the correct number when we submitted the dispute. The item should be removed from the CBR as we were never given time to dispute this before it was placed on the CBR. We never received any notice until we disputed the debt in XXXX 2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo violated the no oral modification clause in my mortgage and is not adhering to the terms of the mortgage requiring the escrow be paid in no more than 12 monthly payments. Further, the female borrower was able to amend the signed contract on a NEW escrow account and not a review of the escrow account. The male borrower required adherence to the original terms of the signed NOTE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (VA mortgage) with MIDFIRST BANK (MS).
Issue: Credit decision / Underwriting

Complaint: I 'm trying to purchase a new house and My XXXX credit reports reflect a loan from my prior marriage. The recorded Divorce Decree awards my previous spouse the residence and the financial responsibly of the house. I 've disputed the reports to XXXX and XXXX and the dispute was " resolved '' with my credit scores on those XXXX reports going up by XXXX and XXXX points. The XXXX dispute is still in progress. How do I get this loan off my report all together or what can I do to remedy this situation as best a possible?

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 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Applied for apartment at  XXXX   XXXX  in MD which required a credit and background check. Called back the facility on  XXXX / XXXX /   17  to receive update of application status and was told I was denied because of bad Credit History provided by   XXXX   XXXX   XXXX   XXXX   XXXX  . Called the agency responsible for the report and managed to get a copy of the report on  XXXX / XXXX / 17 . Report at top states no match to my social security number. Report has same n ame, DOB, a nd some matching information l ike one fo rmer address and  XXXX   XXXX  information. Other places of residence in Florida, Social Security Number, Collections History and  XXXX   XXXX  card information are not mine. Report states  Trans Union  was used as referral for report. Checked with  XXXX   XXXX  on  XXXX / XXXX / 17  and confirmed that no one else on my account. Pulled free credit report and received  XXXX  report stat ing Credit bac kground is exceptional, no collection and no  XXXX   XXXX  account present. Due to false information provided lost the apartment unit I was looking to move into and application fee and securit y Deposit.

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 08/13/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Originally, I had good credit that afforded me, my husband and son the opportunity to become first-time homeowners in XXXX. Prior to divorcing my husband in XXXX XXXX, I refinanced XXXX XXXX to buy him out of the property and to get his name off of the deed. While in an adjustable arm, I began to experience financial hardship and refinanced again XXXX XXXX and ended up putting all of my equity in my home making bi-monthly payments to bring my loan down from {$230000.00} to {$210.00}, XXXX. Eventually I was assisted by an attorney ( XXXX XXXX ) to apply for a modification which took my payments from {$1600.00} to {$1200.00}. After waiting 33 months to be modified by BOA ( XXXX XXXX XXXX ) I received a savings of {$100.00} instead of the original savings of {$350.00} per month. I believe at some point during another review of required documents submitted again XXXX XXXX, my income as a XXXX was inflated and calculated incorrectly. Not understanding how this could happen after BOA foreclosed on my property while still in a work-out process, the foreclosure was rescinded upon the banks error as long as I accepted and their in-house modification with new monthly payments of {$1500.00}. From XXXX, it was difficult to keep up with payments, so I was encouraged to put my home up for Short Sale which was approved by the bank XXXX XXXX. After several weeks of no activity, my realtor was asked by a new negotiator to submit and upload additional docs to XXXX. In doing so, my realtor obtained documents from BOA that I was approved for a Short Sale process again on XXXX XXXX, XXXX and we had 14 days to submit any requested documents. Not informed by my realtor of a foreclosure date and following professional advice not to make payments during the process, my home went into foreclosure the very next day on XXXX XXXX, XXXX. I am made aware of the foreclosure by the office of XXXX XXXX. XXXX in a letter dated XXXX XXXX, XXXX and told I need to vacate my property. With no where to go and not sure of my options, I was pleased when my realtor was asked if I wanted to keep my property. I responded yes and have been back-and-forth contacting Bank of America while sending correspondence to a representative of XXXX XXXX and the Law Office of XXXX XXXX. XXXX to obtain a fore-closure rescission. After seeking legal advice Fri. XXXX & XXXX, I discovered that I should have been approved years ago for a HAMP because I qualified based on federal guidelines. Yesterday, evening XXXX/XXXX/XXXX, I received a random phone call from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the intake representative advised me to file a complaint through this website because I appear to be a victim of unfair practices and deserve a proper modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation