milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have fully paid the provider of the service, XXXX. XXXX should contact XXXX, their partner, to resolve this issue. I can not pay twice for the same service

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a debt from  XXXX  listed on my credit report that is in collections but I never had an account with  XXXX . Th e Collection Agency Convergent Outsourcing , Inc. is the one rep orting this debt on my credit file. I have used  XXXX   XXXX   XXXX  to try to get it removed as they have not sent any type of communication on when I actually did obtain this said account with  XXXX .  XXXX   XXXX   XXXX  was not able to get it removed as the collection agency is not responding back to them with proof that this is my debt.

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 10/23/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage has been sold 3 times in the last 5 years. I started with XXXX XXXX XXXX Back, then I was sold to XXXX in the middle of my modification. As of XXXX 2015 XXXX sold me to Seterus. I had to call to get my Welcome package, my monthly bills change and are never the same amount. I have been told my escrow account was short from {$300.00} to {$75.00} and the latest amount of XXXX I paid and it was posted to the principal instead of the escrow. They have misposted my payments on a regular basis. I have been threatened with foreclosure for being a month late which I was not. I have spoken to XXXX different people including XXXX XXXX a manager who was rude and no one can explain why I owe money that I have already paid? I was paying the modification amount of {$1100.00}, then it changed to {$1000.00} now they say I owe {$1000.00} which includes the {$140.00} escrow shortage I already paid. I need help this company is very crooked.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MS).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: My son received a letter from Chase Bank denying him for a credit card, so I ( his mother ) contacted the bank and was told his credit had already been pulled. So, I mailed a letter to XXXX XXXX and the Better Business Bureau. I also called XXXX XXXX at ( XXXX ) XXXX and ( XXXX ) XXXX. I went to XXXX, but because my son is a minor, this application was discarded. My child is a minor and information on the credit card application was incorrect, but I am unable to contact XXXX XXXX to have it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 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: Their investigation did not fix an error on your report

Complaint: On XX/XX/XXXX I sent a letter to XXXX XXXX, XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX XXXX XXXX replied back to my request on XX/XX/XXXX and stated that this was a business loan secured by me with a personal guarantee and this was why the could put it on my personal credit. When I asked for the personal guarantee that I supposedly signed they could not produce it. XXXX XXXX went as far to say they were not a 3rd party collection agency and that the FDCPA rules did not apply to them. I could n't get anywhere with XXXX XXXX, so I decided to contact XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, Equifax XXXX,  XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX to help me resolve this issue with XXXX XXXX. All 3 bureaus gave me the run around and all I wanted was an honest investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Student loan (Non-federal student loan) with ECMC Group, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: These Creditors have been harassing me for almost two years. I have denied this debt. They sent additional attempts to collect debt. I filed for chapter XXXX XXXX Bankruptcy relief and included them. They started sending wage garnishment attempts to my employers. I contacted Consumer Finance Gov regarding this and the company states the account is closed as of XXXX XXXX. So a few months later I receive another attempt to garnish my wages, so I sent information letting them know once again 1 ) this is not my debt and 2 ) I do n't know what these student loans are for. They sent me some information from XXXX XXXX XXXX from when I was enrolled in XXXX ( unsure of exact enrollment time, this is an approximation ). Once I was informed of the school, I wrote them back letting them know the school staff were signing our applications ( evening students ) and receiving loans on behalf of us. I also informed them that is the reason the school was closed. They sent XXXX application packets where I needed to provide XXXX signatures from as close to the date as possible. I was given 60 days from XXXX to submit. However, the company sent another wage garnishment to my employers prior to my 60 day submittal deadline although I faxed all of the application including my supporting documents the day before my 60 day deadline. It took me almost two months to locate anything with my signature dating that far back. Now the company has began emailing me to rehab my loan and are ignoring my discharge due to unauthorized signature.

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 01/17/2016 about Debt collection (I do not know) with MRS BPO, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt. 

The details of the debt on my credit report are as follows : Account number : XXXX Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Company Name : MRS BPO Original Creditor : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/2017 I spoke with a representative named XXXX in regards to my account with Advance America. I asked her if I could pay my XX/XX/XXXX payment early and she stated yes, I asked her if I would still have to make another payment on the XX/XX/XXXX and she said no. I proceeded to make the payment on XX/XX/XXXX in the amount of XXXX. I called in today on XX/XX/XXXX to see why my account had n't updated with my payment and the lady I spoke with said that I would still have to pay on XXXX XXXX because the payment I made on Monday did n't cover the amount due on the XX/XX/XXXX which was odd since I paid the amount due in the amount of XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Hi, in XX/XX/2017 I received a Quick Pay of {$400.00} by mistake on my Chase account. Days later Chase representatvies contact me to authorize the return of the funds to the original person.
After 5 minutes, i did authorize it however on XX/XX/2017 Chase withdraw twice the amount ( {$800.00} ) from my account. After I notice it I call them twice, after +1hr on each of these calls they have n't be able to return {$400.00} that were withdraw by mistake from my account.
I do n't know what 's going on, but I ca n't believe that it took me 5 minutes to authorize the return of the funds, and is been days trying to get the mistaken withdrawn funds to my account.
I do n't know what else to do, i open a customer service request, talk with different people and is been a waste of my time. The bank should be responsible and return the funds and then figure out where the money went. My name is XXXX XXXX thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2016 about Mortgage (VA mortgage) with FBC MORTGAGE, LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: My wife applied for a loan estimate on my behalf at FBC Mortgage , LLC. They demanded additional documentation ( pay stubs, XXXX, tax returns, drivers license, bank statements, college diploma, educational transcripts ). She provided all documentation, and finally 2 weeks later, they sent an unofficial estimate ( " Pre-Application Worksheet '' ) that states : " Your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan. '' Also, the document had an incorrect purchase price and loan amount, and the property address zip code was about XXXX miles off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have disputed an item from conns credit several times. The amount showing owed is {$1000.00} which has been on my credit now for 9 years. I called  XXXX  and asked why this has not been removed when I have sent in multiple request and they told me they have to contact the consumer. I advised him by law this type of account should have been deleted at 7 years and by law  XXXX  should delete it. The rep basically this me he will not delete it period. I also advise him that it is on my credit   XXXX   under   XXXX   and for them to remove these accounts had are reporting incorrectly. The rep was not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Issues I have with Carrington are the following : 1- Carrington has neglected to respond to our Faxed/Telephone/Email request for the following : Payment of {$1400.00} was made on XX/XX/XXXX to bring my property tax that I was behind to {$0.00}. Carrington had already paid property taxes for the XX/XX/XXXX/XX/XX/XXXX before I made this payment. So that from this date forward Carrington would be able to collect escrow for the next years taxes and continue to show me current. 
This has not been the case! 
Also the payment I made is not reflected in the 12 month history and the Research department was asked to work on this and had 30 days to come up with a solution to what happened and has neglected to respond. 
To confirm that payment was made I have the online bill paying receipt # of XXXX received from Carrington that very day [ XX/XX/XXXX ]. 

2- On XX/XX/XXXX I started, with my counselor from XXXX XXXX XXXX for Homeownership, a program with Carrington to " catch-up '' my property taxes that were in the negative. The representative [ XXXX ], was going to provide a 3 year program to become current with my property Taxes. I sent a Qualified Written Request [ per XXXX 's advice ] to ask for a 5 year program to catch up my properly taxes and Carrington came up with a 3 year program instead. 
My problem is I have no record that I am in a 3 year program. No record of a correct escrow. The escrow is showing funds I have asked to be put on my principle [ I paid extra and made sure I requested " for principle only '' ] are showing up on Escrow and yest instead of escrow going down it has gone up. Please explain to me in simple terms how this can happen when as in # 1 above shows I was current. 
Also in this arrangement I confirmed with Carrington that there was no penalty for early payoff. 

3- Because of the Carrington 's Escrow 's many inaccuracies, my payment [ PITI ] has never gone back to what it should be. I received a XXXX % Loan Modification through XXXX that brought my payment down to {$510.00} [ PITI ] and has never been this mortgage payment with Carrington. I would like to have an explanation of why I am not making my HAMP Modification payment of {$510.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Other mortgage) with CITIBANK, N.A. (UT).
Issue: Loan servicing, payments, escrow account

Complaint: Citifinancial decided yet again to transfer my loan and change my account number which resulted in them taking my money but refusing to apply it to my account. Now I am being charged interest in should n't be and I can not do my taxes

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Debt collection (Medical) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: They call up more then 10 times a day at times then hear nothing then starts again from at least XXXX different numbers Ive blocked so far. The medical debt WAS paid by the VA and its well known that the Hospital must accept what has been paid. They are still trying to collect a debt from XX/XX/XXXX-XX/XX/XXXX My husband is a XXXX Veteran with XXXX XXXX, XXXX XXXX. XXXX XXXX and the list goes on and they call and it makes him so hard to handle with the way they talk to us and Threaten us with arrest, etc. Then he usually has a XXXX because they set it off by their calls constantly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: several years ago I was admitted to XXXX XXXX in XXXX. There was a balance which was sent to collections at that time. since then, the same balance is listed by more than XXXX collection agency and keeps being renewed although this was I believe 2009.

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 07-02-2016 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a complaint through CFPB on Bayview loan servicing for reporting false information to the credit bureaus a few months ago. They responded to the complaint apologizing for their errors and stated that it was their mistake for the missing payments as monies had not been applied properly. I have refinanced to another company and Bayview updated my credit report to {$0.00} balance which IS correct, but they put all of the derogatory payment history back on my report which they already acknowledged was their fault. Per my lawyer and the judge, they were required to remove all of the false information from all of my credit reports. This has once again negatively affected my credit. They have put since XX/XX/XXXX that I have been 90 days late and that only XX/XX/XXXX and XX/XX/XXXX have been current. Which is false. They also continue to send me bills for escrow of {$210.00} even though my account has been refinanced to another lender since XX/XX/XXXX. I do not want them to report that I am past due on those monies as my account is paid in FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Wells Fargo charged off my student loan in error two years in a row. I tried to resolve this with Wells Fargo for over a year.

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 07/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: My previous complaint number is : XXXX A Navient Representative called me and was very pleasant. However, the name and number of the representative is not in my daytimer as I was driving when she called. My request was quite simple : Send me paperwork to begin my repayments. This has not been done. Instead what I received via email [ which I DO NOT WANT ] is a generic email entitle " What We Talked About Today '' but does not really delineate the actual conversation. Subsequent to that I receive another generic letter stating that I could go online and download paperwork for loan repayments or I could call a voice automated system and request paperwork. Voice automated systems do not understand my voice. What I want is very simple : A. If Navient needs to call me DO NOT CALL BETWEEN XXXX AND XXXX CST. Again, DO NOT CALL BETWEEN XXXX AND XXXX CST -- what is so difficult to understand about this request? B. Send me paperwork to fill out to begin repayment? Why can this not occur?

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Andrews & Cox, P.C. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Since XXXX XXXX XXXX has been attempting to collect a debt I feel I do not owe. Since then XXXX attorneys have been contracted with XXXX to collect this debt. Although I disputed the charges and the contract, in the spirit of compromise, I was willing to pay this account in the purpose of merely to have this item eventually removed from my credit report. The scheduled payment was to be {$50.00} per month which I paid religiously every month, on time. On XXXX XXXX, XXXX the 1st payment was scheduled to be made and was paid, then immediately following that in XXXX Law turns the file over to XXXX XXXX XXXX XXXX, XXXX which I again pay on time only to have in XXXX XXXX XXXX XXXX XXXX takes over the case and there is a {$150.00} balance discrepancy which, I thought, was corrected and XXXX XXXX XXXX turns the file over to Bleeker and Brody & Andrews in XXXX XXXX, XXXX now there is a {$250.00} discrepancy in the balance that is owed. XXXX XXXX, XXXX I submitted written notification to Bleeker and Brodey & Andrews notifying them and disputing the balance. XXXX XXXX, XXXX, nearly 6 months later I receive a generic reply with no supplemental or validation of the debt was submitted along with the correspondence as required by law. XXXX XXXX, XXXX Another letter is sent to Bleeker and Brodey & Andrews disputing the balance again and submitting with my correspondence all supporting documentation including proof of all payment made up to the date of my XXXX XXXX letter. No other response was ever made again by the Law Firm. XXXX XXXX was when I received another letter from another Law Firm attempting to collect this debt and now the amount is nearly doubled in collection fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Got again my credit score today and see that Capital One is still in with a hard inquiry. I never request a credit card from XXXX XXXX and it is still on my credit report. Already contact the company by letter never got an answer. Somebody used my identification and email. Was part of the abuse of identification by XXXX.

I would like that Capital One correct the mistake immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I wrote Transunion over a year ago telling them I agree with their investigation and to take accounts out of dispute. They did not and I now can not get a home loan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: My balance on my XX/XX/XXXX statement was {$750.00}. 

I made payments totaling {$870.00} before the statement closed on XX/XX/XXXX. 

During this statement period I also made new charges of {$930.00}, leaving a balance of XXXX in new charges. 

My XX/XX/XXXX statement showed an interest charge of {$18.00}. I contacted cardholder services on XX/XX/XXXX to inquire about this as the statement specifically states on page 2 : " How can I Avoid Paying Interest Charges? If you pay your statement 's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. '' Since it states they would not charge me interest on any new transactions, I should not have had an interest fee. 

The representative I spoke with advised me that interest charges are delayed a month, which meant the XX/XX/XXXX interest charge was for the balance carried on to my XX/XX/XXXX statement. I accepted this and did not press further. 

When my XX/XX/XXXX became available on XX/XX/XXXX, I immediately checked it to make sure there was no interest charge, however there was. I called cardholder services and the representative I spoke with advised me that I have to have no charges carried over 2 months in a row in order to not receive an interest charge. I asked to speak with a supervisor who confirmed this as their policy. 

While I fully agree I am due to pay an interest charge for the XX/XX/XXXX to XX/XX/XXXX billing period ( my previous balance was XXXX including the interest charge in debate and my payments were {$660.00} ) because I had a month where I paid my previous balance in full, I should have had a month where I did not have an interest charge.

Company response to consumer: Closed with explanation