milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My problem is the interest calculation for a mortgage loan in the final weeks before a payoff. 

I took out this loan in XXXX 2016 and made regular payments ending with my regular payment on XXXX XXXX, 2016. I have no problem with the servicing of this loan through XXXX XXXX, 2016. Starting on XXXX XXXX, 2016 I began making a series of additional payments with the intent of paying off the mortgage in early XXXX. I am making the final payoff as using the payoff amount requested by Franklin American this Friday XXXX XXXX. I dispute this amount. I am paying it in full at this time, but am asking for a review of this amount and a refund if they have made an error. 

Basically, I can not understand the interest calculation for the period following XXXX XXXX through the final payoff on XXXX XXXX. In particular, my Franklin statement shows that a portion of the payment I made on XXXX XXXX is allocated for interest. This amount of {$890.00}. I do not understand their reasoning. I talked to a representative on the phone before making this payment and was told that the entire payment would go towards principal reduction since I had already made my regular XXXX payment a day earlier. Then to my shock I looked at my account and saw that {$890.00} was credited for " future '' interest in XXXX. This premature calculation of " future '' interest is absurd as the loan will be fully paid off long before then. I think the interest calculation should be based on the actual principal owing at the end of the month, not some hypothetical " future '' assumed principal. 

I attempted to explain this to a Franklin representative on the phone and was not able to get her to make an adjustment or get her to provide documentation or a calculation showing their methodology. 

In my opinion I have now overpaid this loan. I am not sure of the exact amount, but estimate that it is on the order of {$700.00}. I request that you compel them to do a proper interest calculation, furnish this calculation to me, and refund the appropriate difference to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Midland credit management , inc . Sent me 2 threatening letters in less than a month. In the first letter I received I was given until XX/XX/XXXX to reply or they may forward my case to an attorney in my area. 
The second letter I received gave me until XX/XX/XXXX to reply. The second letter is dated XX/XX/XXXX. I received the letter on the XXXX. I dispute this debt, and I feel threatened and intimidated by the language they used, and the tactics they are using

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Today XXXX/XXXX/XXXX I found out by chance that ( Capitolone 360 ) My mortage compay paid my property finance taxes without permission. - they ( Capitolone ) told me that the XXXX informed them that I was deliquent. Since I could not speak with someone fromt he XXXX. - I had to make and inperson visist - I explained my problem and they told me that my taxes was not deliquent ( despite what they paid - {$1500.00} XXXX. I was inofrmed in order to be deliquent, I had to be 180 days in arreas, - Because of this my mortagate payment went from {$640.00} to $ XXXX starting in XXXX XXXX - I have had this account for over 7 years - I was first with XXXX - Capitiol took over the loan in XXXX - I have never had a problem - I have only received XXXX inquiry from Capitolone asking to submit proof that the taxes was being paid. in XXXX which I complied -To me this another way of predatory practices

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have accumulate points which I wanted to redeem ; the amount was the equivalent of {$100.00} (   XXXX   XXXX   dollars ) towards deposit to one of my accounts or an equivalent of {$50.00} towards a restaurant or gift card from   XXXX  . I was promised it would take less than a week. The first telephone contact was on or about   XXXX   XXXX  , 2017 ; I was told to call on   XXXX   XXXX   to confirm ; I called, I was told to call back on   XXXX   XXXX  , 2017. I have been calling, I am being promised but NOTHING IS HAPPENING, I BELIEVE I AM BEING LIED TO.

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 07/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PR).
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: Credit reports shows late payments to Navient fromXX/XX/XXXX - XX/XX/XXXXwhich is Not accurate since these student loans were Always in Forbearance. At that time I was unable to make payments. First payment made to Navient was in XX/XX/XXXX, since then enrolled in auto-pay and payment made in a monthly basis automatically. Please Navient, resolve this since I was never notified of this, nor called to my personal phone, I was always contacting XXXX XXXX - Navient to ask for Forbearance options, I always did what I was advised by Navient customer service. My commitment has been always be in good standing with the loan provider, proof of that is my auto-pay enrollment since I was able to pay back to Navient. Please help and support. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Debt collection (Medical debt) with Receivable Management Group, Inc. (GA) (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a medical bill in collections in the amount of {$200.00}. The company agreed that when contacted they will remove this from all my credit reports. I paid it on  XXXX / XXXX / 2017 . I am requesting to get it removed because I have paid it in full and starting the process to purchase a home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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: There are  XXXX  accounts that are reporting 120 days late from  XXXX ,   XXXX   XXXX   XXXX    XXXX  account and   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   account. I have been attempting to contact these lenders to correct these errors that have caused my credit score to plummet and I am unable to obtain a mortgage. Also all of the above accounts are apart of a loan consolidation so how are they reporting late and the consolidation loan is in good standing. I contacted the FTC last year and they corrected this error so why is   XXXX   reporting this way again this 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 03/14/2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: I have submitted numerous Complaints on the Servicing Mortgage Company, and notified the Bank that they claim is the Owner, and asked the Servicing Mortgage Company ( Select Portfolio Servicing , Inc. ( SPS ) to contact my Attorney, as I am under Federal Bankruptcy Protection, thus far they ( SPS ) have not done so. 

Today, I received Phone Calls and Texts from a man that identified himself as XXXX XXXX XXXX ( XXXX ) XXXX-XXXX, of XXXX XXXX XXXX, informing me that he had an Order to do something to the Property at XXXX XXXX XXXX, XXXX, Georgia XXXX, he stated that the property had a Lock box on it? I Texted him the information for XXXX XXXX XXXX @ SPS ( XXXX ) XXXX-XXXX, XXXX. XXXX, and asked him to never, ever contact me again, as the Mortgage Company took possession of that property XX/XX/2017, and the keys were surrendered, and Locks changed, the property belongs to the mortgage company. 

This seems to be an on-going pattern of harrassment by ( SPS ), and this is not a mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Payday loan () with Guidiville Indian Rancheria (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I got a payday loan of XXXX. The XXXX thing they did was charge my payment on the wrong day then add those fees, the XXXX thing was they did n't take the whole payment but started charging me every month at 1140 % .Then I refinanced, but they tricked me and I had to pay more to pay off my existing loanand get a new one! Not what I was told!

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Teller made a mistake depositing into wrong account. Deposit was made into joint account with my brother instead of joint account of me and my wife. The deposit was transferred to the correct account. For privacy issue with showing large account of deposit, I requested to remove incorrect deposit from the history and next statement under the wrong account. My request was not honored.

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 07/19/2017 about Credit card or prepaid card (General-purpose prepaid card) with JPMORGAN CHASE & CO. (CO).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: I submitted a fraud claim in XX/XX/XXXX with chase bank they gave me my temp credit, then reversed it!!!! overdrawn XXXX. I 've had the account since XX/XX/XXXX, in that time I was overcharged XXXX I PERSONALLY RECOVERED XXXX this leaving the difference of XXXX plus the charges in XX/XX/XXXX of XXXX. I have provided police reports and defendants that have been convicted of criminal trespass and several other felonies. THESE INDIVIDUALS STOLE MY PHONE, MY DEBIT CARDS, SEVERAL OTHERS IMPORTANT ITEMS!!! in the meantime the State of Colorado IN ERROR sent my minor daughters child support payments to this account and Chase Bank is refusing to return them!!! On XX/XX/XXXX I received a request for the police reports which I provided!!!!! Then on XX/XX/XXXX I contacted Chase Bank and they have refused to put in writing the reason or reasons they wont release the child support payments nor will they answer my questions as to why after I provided the police reports they still say IM A LIAR!!!!! This is absolutely ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Money transfer, virtual currency, or money service (International money transfer) with Remitly, Inc. (OH).
Issue: Money was not available when promised

Complaint: I have tried to send {$1900.00} to XXXX through Remitly on XXXX XXXX 2017 and they promised to deliver the funds by XXXX XXXX 2017, which did not happen. I called the customer support they said that are having technical issues and still need some time to deliver. I called on XX/XX/XXXX and inquired about this, they said still they are having issues. I wanted my money back, they are saying that it can not be refunded until 10 business days. This company seems to be fraud, I am worried about the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Equifax  Re :  Request to Remove Unauthorized Credit Inquiry Dear Equifax, I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiries made by   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into ( insert name of credito r ) i nquiry to determine who requested this credit inquiry.     If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this as I reached out to you all TWICE in assistance of this matter Thank you in advance,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This complaint is against XXXX XXXX and Transunion. I have been locked out of all online dispute services even though I belong to several sites I am being billed for to access my credit reports. Recently, I spoke to XXXX about completely removing some third party billers from my credit report. These people have been paid. They verbally agreed to remove the accounts after they were paid. 

The below items were sold to a third party biller. This means that the original creditor has written off said " debt. '' This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX XXXX has no right to collect money from me, or be listed on my credit report XXXX XXXX XXXX XXXX XXXX. XXXX was paid in full. That is the original creditor. This is illegal. 

XXXX was paid in full. They promised to take the collection off of my Transunion credit report. 

A XXXX XXXX public record is on my XXXX credit report. These dishonest people were paid by in XXXX. They took it off of my XXXX credit report and put it on my XXXX Please remove this. It keeps me from getting credit cards. 

XXXX University was paid in full in XXXX to a third party collection agency. It is illegal for them to be listed on my Transunion credit report. 

XXXX XXXX is also on several of my credit reports after being paid off, and promising to delete the accounts. 

XXXX Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain hospital records and try to collect money from me. The hospital had COBRA, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

XXXX XXXX They are listed on my credit reports along with a third party biller. If this is not illegal I do n't know what is. 

XXXX XXXX XXXX XXXX This third party biller is the company that XXXX XXXX wrote off my debt on its taxes to. This constitutes a This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain medical records from my XXXX clinic and try to collect money from me. The clinic, XXXX XXXX had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

Public record- XXXX XXXX XXXX I paid this in full in XXXX. They verbally agreed to move this from my credit report. They took it off of my Transunion and XXXX. However they sneaked back later and put this on my XXXX credit report. It must be deleted because it caused me to get turned down for credit card offers.

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 10-08-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: When applying for a Best Buy credit card, I was automatically " steered '' towards a program known as Debt Protection XX/XX/XXXX. In addition and/or as time progressed I did not find such a program useful due to paying my bill on time. XX/XX/XXXX, I contacted Debt Protection to cancel and/or requested a full refund in the amount of XXXX after speaking with a customer service representative. Begrudgingly speaking, a refund in the amount of {$55.00} was applied/approved ( i.e., 3 months payments ) within a 30 day time period. Shortly after assessing such findings on XX/XX/XXXX, I contact Best Buy 's Debt Protection platform and requested for my case to be reevaluated holistically speaking, for as a consumer I should be refunded all monthly premiums paid into " an insurance program '' otherwise known as Debt Protection. I spoke with a representative who stated " there is no guarantee '' I would receive a full refund. Based upon her response, I asked to be transferred to a supervisor to convey my displeasure with respect to this process and/or my case was resubmitted XX/XX/XXXX ( i.e.,, 30 day response per electronic disclosure received via online Best Buy account ). Please be advised both customer service representative and supervisor acknowledged an aforementioned balance in the amount of XXXX ( i.e., rounded figure ). 

XX/XX/XXXX, I have yet to receive any formal means of communication and/or contacted Best Buy ' Debt Protection and " DEMANDED '' my case be escalated after speaking with a Supervisor. As a consumer I am entitled to receiving a refund if a service is not being utilized, am/was being charged compounding interest, and should not have to be relegated to communicating with a third party customer care center located in Oklahoma where formal decisions can not be achieved. In summation, I am aware of a class action lawsuit settlement vs. Citibank in the amount of $ XXXX for such egregious acts. In summation, the primary objective is to have all remunerations refunded and applied to my account immediately ( Link : 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 monetary relief
Consumer complaint received 12/18/2017 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: Their investigation did not fix an error on your report

Complaint: TRANSUNION IS NOT INVESTIGATING MY DISPUTES! THEY ARE SEND ME FAKE RESULTS AND NOT CONTACTING THE SOURCE AT HAND! 



The Following Accounts Do Not Belong to Me! Please Delete them! XXXX XXXX # XXXX - This Account is Not Mine! XXXX XXXX XXXX # XXXX This Account is Not Mine! XXXX XXXX # XXXX This Account is Not Mine! XXXX XXXX XXXX # XXXX This Account is Not Mine. Chapter XXXX Bankruptcy Docket #  XXXX The Docket Number is Incorrect! XXXX XXXX XXXX XXXX # XXXX This Account Is Not Mine! XXXX XXXX # XXXX This Account is Not mine! XXXX XXXX XXXX # XXXX This Account is Not Mine. XXXX XXXX # XXXX This Account is Not Mine. XXXX XXXX XXXX # XXXX-This Account is Not Mine. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Dated Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Date Opened:XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX This Account is Not Mine. XXXX XXXX # XXXX This Account is Not Mine.

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 07-09-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Associates ( PRA ), was served with demand for verification of debt via certified mail # XXXX, confirmed received by PRA XX/XX/XXXX, to legally validate their collection claim, no response. XX/XX/XXXX a XXXX written request to PRA demanding verification was sent, no response. On XX/XX/XXXX a XXXX written demand to verify alleged debt sent to PRA, no response. To date, PRA has been non-responsive in validating alleged debt and has continued to negatively report this alleged debt on all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX Complaint regarding lack of notice for transfer of mortgage account I have a mortgage account with bank of America since XX/XX/XXXX. Today ( XX/XX/XXXX ), I attempted to make a payment online and I could not as the account was not available. I called the mortgaged department and, I was informed that my account was sold to another mortgage company. I asked how the decision was made without any notice and having to find out that day. I explained that to the representative that in the last month ( XX/XX/XXXX ), I called several times to discussed mortgage payment, check received, and possible refinance option and, not one time has someone even mentioned it. The representative stated that a letter was sent on the XX/XX/XXXX. I explained that I have not received any letter as of XX/XX/XXXX. I was transferred to the debt collection department and was informed the account was that the account transferred was a request from my ( investor, FHA ). The representative explained that they had 30 days to notified me but yet, the alleged unreceived letter was sent out on the XX/XX/XXXX given me 15 days of notice. I contacted the FHA resource center and, I was informed that they do not make such request for account to be transferred to other company as it is the lender 's doing ; the bank just need to notified the HUD national. I am filling this complaint because Bank of America failed to give me proper notice of their decision to transfer my account and gave me false information. Bank of America has violated my right to received proper notice before such action was completed.

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 monetary relief