milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2015 about Mortgage (Conventional fixed mortgage) with WEICHERT FINANCIAL SERVICES (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015, I had water damage to my condominium from a ruptured sprinkler pipe in a neighboring unit. We began to repair our home during the spring and summer out-of-pocket before we got our insurance settlement in order to expedite our return home. In total, our repair costs were approximately {$40000.00} This loss was ultimately covered, in significant part, by my insurance settlement. I received {$33000.00} from my insurance carrier, which I remitted to my mortgage holder as loss payee as soon as it was received in XXXX, 2015. 

My mortgage company has been holding onto this money without a legal right to do so. Our mortgage agreement allows them to " hold such insurance proceeds until the lender has the opportunity to inspect such Property to ensure the work has been completed to the Lender 's satisfaction. '' They conducted this inspection on XXXX XXXX, 2015, and both the inspector and customer service department indicates that the work has been completed to their satisfaction. 

Nevertheless, they continue to hold onto these insurance proceeds, creating a financial hardship for me and my wife who had to repair our home without the benefit of having insurance. Meanwhile, the mortgage holder is profiting from the float. 

When I call their " loss draft department '' they come up with novel things that I have to do, including, most recently, that I have to write them a handwritten letter recapping what I sent is a series of other letters. None of this is allowed in the mortgage agreement. 

This is a classic example of consumer fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit reporting () with Ray Klein, Inc. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: professional credit Services placed an account on my credit that does not belong to me and it is damaging my credit. I have tried contacting them to provide proof this account belongs to me and they have not or responded to me for that matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had a fraud alert placed on my credit file several times that indicates anyone who runs my credit needs to call me and that has not been done and this violates my rights as a consumer. I have reached out the each credit bureau : Equifax, XXXX and XXXX multiple times to advise of my credit being pulled without my permission without any resolve. I have attempted to dispute the unauthorized inquires on multiple occasions by disputes online and via phone, to no resolve. On my Equifax, reports, the inquiries are showing to be reported as of XXXX/XXXX/2017 when they in fact have been up there longer than that.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Since XXXX XXXX, XXXX XXXX XXXX have been reporting incorrectly and showing a balance, late payments that does n't exist. The credit bureaus shows that I have a balance of {$370.00} and still reporting as past due. I have called the XXXX XXXX XXXX and explained it to them and they agree with me that I should n't have anything reporting with them. I also dispute this with the bureaus numerous of times without any resolution. Now I 'm feeling ignored because I have shown proof with documents that shows that my balance is zero and I was never late with any payments. However, nothing has been changed by either parties.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: hi I 'm on payment program with American express from XX/XX/XXXXthey setup the payment to be withdrew automatically from my XXXX account every month i just receive a letter from them says I 'm no longer on this program i try to speak to them on the phone why they cancel it they tolled me sorry we do not have access to your account no more and they send the balance to a collection agency, upon check my XXXX account today i found they stop to withdrew the payment last XX/XX/XXXX they did not call me or send me any notice for why they stop taking the payment and why they cancel me from this payment agreement, I 'm enrolled in auto-payment since i start this program i never cancel it, and onXX/XX/XXXX i did call you to ask if i need to renew the auto-payment the representative tolled me no i do n't need too its been setup till the balance payed off ( check my call recored with you ) and you did verify my phone number and email address on this call. no one tolled me i have enrolled again since I 'm already enrolled on this program and because you tolled me when i setup this program with you the system will automatically send you statements and balances and notification even if the account closed and I 'm on payment program, i did not receive any calls from you about any change on our agreement and i just call you less on month of your notice onXX/XX/XXXX so i assume this is automatically from you system as you tolled me account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2016 about Bank account or service (Savings account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Deposits and withdrawals

Complaint: I closed on the home equity line of credit with Branch Manger XXXX of Citizen Bank branch # XXXX NY XXXX early this year. She knew I have funds available in the account. She asked to borrow money in amount of {$100000.00} with interest paid upfront in amount of {$3300.00} for time sensitive need, required in 72hrs while the other lander is charging her {$10000.00} up front fee in addition to interest. She assured at the most it will take 30 days but on the safe side I will give you 90 days promissory note.I reluctantly agreed. She transferred the funds from my account right then on XX/XX/2016 and pass me the copy of interest calculation which was done on XXXX (? ), I had the sinking feeling then that it may just be the planned withdrawal of funds!! 
30 days pass by, nothing happened. Promissory note given to me after repeated request but it had the different wording -- -no later than XX/XX/XXXX or upon the closing of the mortgage. That 's not what was mentioned to me at the time of transfer. 
XX/XX/XXXX passed by -- -- no funds came back to my account. i reported to regional manager, XXXX XXXX, he asked to see the point person, XXXX, the investigator, She promised to contact me as soon as possible but no contact came! Citizen Bank let go manager XXXX + XXXX ( person notarized the document and processed the transaction. Both knowing violated the bank-client relationship. No help from Citizen Bank to get funds back into my equity account, was bank money loaned to me, now I am responsible for the payment for next 15-30 years while the Manager, XXXX has the money with no certain date to return!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My parents are behind 1 month on their mortgage, as XXXX owners they are never home. But I 'm a XXXX student and i usually am at home mostly during the weekends. The debt collector showed up yesterday violently banging on my door ( when he could have rang the doorbell ) being a XXXX year old woman this intimidated me and the car he was in had no logos it was just an SUV. Today while returning home from running errands the same van was waiting a street away from where i turn to get home, he pulled up in-front of me almost crashed my car. Then took a picture of me, then when i got home he got out from his car continued to take pictures of me, and gave me a notice to call my mortgage company. I feel in danger getting followed home by a random man, almost getting my car crashed into, frankly i just feel harrassed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Home Mortgage : I believe it was in XXXX 2012 I was forced to move from my home because of financial reason ( loss of employment ) and violence in neighborhood ( XXXX, XXXX, XXXX ). Before moving, I contacted WF and tried to short sell the home, then I tried to deed-in-lieu. Over the past XXXX years I would be told I was approved, then I was n't approved because a piece of paper was lost, or the time limited had expired on my file ... this has been going on and on. Now I am being subjected to a collection agency. I do n't believe that WF has the deed to this property and I am powerless to do anything about it, but receive the outcome of having credit rating trashed and no answers. I have even tried to use an attorney but am told that there is nothing I can do. Foreclose on the property and let me have my life back. I am XXXX and am now estranged from my husband that has recently lost his job because of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is 2 accounts that are reporting on my experian credit report that is suppose to be deleted. XXXX has finally confirmed these 2 accounts and deleted them off my report however experian keeps just updating the information which is wrong. XXXX XXXX XXXX and XXXX should have been deleted off my experian credit report over 2 months ago. Yesterday X/XX/2017 I received a letter in the mail of the outcome from the investigation again. It shows the same information that these accounts have been confirmed as mine and updated. This information is wrong which is leading me to believe they are not doing a proper investigation. Like I mentioned earlier XXXX had done there investigation and deleted the 2 accounts. That means the same response from these 2 companies should be the same. I have been disputing this with experian for quiet some time now and they refuse to delete these accounts which is causing a hardship and a negative impact on my credit score. I am submitting this complaint about experian because they fail to do a proper investiagtion because I myself have contacted both companies and was told the information will be deleted once they receive the dispute.

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 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Capio Partners, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : XXXX XXXX {$100.00}, Capio Partners & XXXX, XXXX XXXX {$3100.00} To Whom It May Concern : This letter is in response to your recent claim regarding Acct # *******, which you claim such as I owe an amount of {$100.00}, {$760.00}, {$3100.00},.
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Trouble during payment process

Complaint: Freedom Mortgage has repeatedly made harassing phone calls claiming we are behind in our mortgage payments. We have made every mortgage payment in full and on time. They claim we never made our XX/XX/XXXX payment and now each time we make a payment it is credited to the previous month. On XX/XX/XXXX I sent them a bank statement proving we did make our XX/XX/XXXX payment. Despite this, as of XX/XX/XXXX we are still being harassed. 

I find it very unlikely that a mortgage company is this bad at managing payment records. I have also read the customer complaints against Freedom Mortgage on the website for the XXXX XXXX XXXX. As a result I'm becoming convinced that Freedom Mortgage is attempting to trick us into making an extra mortgage payment that we do not owe them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX XXXX is a big fraud, I spoke with her over the phone on XX/XX/XXXX and she said she will send me a check of {$450.00} within two days but have n't recieved anything from her. I called her back on XX/XX/XXXX and she replied that she never said this to me. 

A complete lie. when I spoke with her on XX/XX/XXXX she clearly said that she has spoken with the employees of Capital one, and I do n't owe anything to capital one, and the amount which I had disputed has come up to {$450.00} with interest charges attached to it. 

But now she is saying a complete different story, Capital one does n't intend to pay me back for the fraudulent charges, what a shame. 

They are always saying two different things.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Struggling to pay mortgage

Complaint: I have signed a Deed  in Lieu ( late  XX/XX/XXXX  ) wit h my mortgage servicing company,  Select Portfolio Servicing, and, as per the contract, moved  out by  XX/XX/XXXX . I moved out on time and the property was clean and in good shape. I was promised ( as per the contract ) that I would receive a {$10000.00} relocation check for agreeing to the De  ed in Lieu.
It is now almost mid- XX/XX/XXXX  an  d, every time I call for an update, I get the same response- it is in " review '' and not yet complete.   I get no indication of a time line ( although I was told by them at the beginning of this process that from signing to completion would be no more than 3 months -it has been about 6 month s already ).    The property has been left abandoned ( they have not been out to cut the grass and maintain the outside ) and when I ask who 's responsibility it is to do that, they claim that it is theirs and they will get to it, but they never do.   So, my previous neighbors are left with a property with un-kept lawns and it it looks bad in the neighborhood.   Part of my utter frustration with this is that I can not get a clear indication from  Select as to where we are in the process, how much longer this " review '' will take, and what happens after it gets sent to the county for recor ding ( which could take more time ).   I can not believe this process has stalled the way it has. Not only am I concerned about the state of the property ( a home I loved and took very good care of ), I am also due that relocation check which I really need.   Here are the specifics of my account at Select Portfolio Servicing : Loan #  XXXX  Name :   XXXX   XXXX   XXXX   Address :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Md.  XXXX  Relationship  Manager :    XXXX   XXXX    XXXX   XXXX   XXXX   I a m also attaching the Deed in Lieu document that executed in  XX/XX/XXXX with Select Portfolio which details all of the conditions.  <P/> My phone # is  (  XXXX  )  XXXX  and e- mail :  XXXX  XXXX  XXXX  if you could please follow up with any news as to my case.  <P/> I am glad I found this outlet as I did not know where to turn and I hope that you can help me to get this Deed in Lieu completed.  <P/> Thank you-  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On  X/XX/2017    I received an email from Chase Bank alerting me to a charge made on a credit card that I had not made any charges to in probably a year or more. Also, the credit card had not expired and Chase made a duplicate of the card and mailed it to me without asking if I wanted a newer version of their card and extra business services attached to the new card. I never received the new card and charges are being made to that card and  Chase  maintains that the interest rate is why my balance is over {$2300.00} on a card that has not been used in over a year. The credit card max balance is {$2500.00} mind you. So in all of that time that the card had not been used and {$75.00} per month was being paid per direct withdrawal, I had not even paid them an amount to equal {$200.00}. In addittion on the credit card website providing my balance statement and charges, it clearly states that my payments are {$68.00} but if you check how much I have been charged, the amounts are usually in the $  XXXX  range. I feel so cheated. Please investigate  Chase  's business practices as it is likely their predatory style is the norm for millions of other  Chase  credit card holders. Thank you in advance.  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian just updated my credit report stating that the account reported by NY state child support enforcement is still showing a balance of {$1500.00} as of XXXX. This is information is false and incorrect. That account has been paid in full and verified to me by NY child enforcement. Kindly remove this negative information from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I made a mistake in making a payment to XXXX as a payee instead of Hyundai. The XXXX XXXX XXXX XXXX ) confirmation of payment is XXXX 
I did not recognize my mistake until my Hyundai statement arrived and did not reflect the payment made on XXXX/XXXX/XXXX, in the amount of {$220.00}. 
The Branch Manager of XXXX, XXXX XXXX ( XXXX ) met with me on XXXX/XXXX/XXXX. She contacted XXXX XXXX ( XXXXXXXXXXXX ) who confirmed payment was made to " XXXX '' but to the Hyundai account and address. She faxed a copy of the check, in which I was shown as the remitter and was deposited into an account shown on the reverse side of the check " cred to payee '' written opposite my account number ( XXXX ). I do not have an account with XXXX. 
I received a form letter from XXXX asking me to contact the XXXX in XXXX, TX. 
On XXXX/XXXX/XXXX I wrote XXXX and asked that they assist me in unraveling the error. No response to this date. I sent an email to XXXX on XXXX/XXXX/XXXX asking for help and no response. On XXXX/XXXX/XXXX i again wrote XXXX requesting that either the payment be returned to XXXX, pay Hyundai, or refund payment to me. No response to date. 
On XXXX/XXXX/XXXX I filed a complaint with the Office of the Attorney General, State of Florida, and received an email XXXX/XXXX/XXXX indicating that I should contact your office and they would also send my complaint to XXXX. They closed my file. 
I request your help in either getting my payment credited to Hyundai, or return the payment to me.

Company response to consumer: Closed with explanation