milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2016 about Mortgage (FHA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Franklin American Mortgage is neglecting my account causing me to pay more on my house payment every month for the past 7 months. Franklin American Mortgage made an error about 8 months ago. They pulled money from my escrow to pay my insurance. They sent the check to the wrong insurance company and the check was mailed back to my mortgage company ( this was stated by the first rep I spoke with after calling about my monthly payment increasing ). They never put the money back into my escrow. The Franklin American Mortgage Company then pulled out of my escrow 2 weeks later and paid the correct insurance company. This caused my escrow to have a negative balance ultimately making my house payment go up from {$760.00} to {$900.00} per month. They have admitted to the problem several months ago and I have called numerous times, but they are still making me pay the {$900.00} per month and they have never reimbursed me for the past 7 months overage I paid that has accumulated to over {$1000.00}. In XXXX 2016, I called to check on the status of this and they said it would be resolved by XX/XX/XXXX. The rep stated this was the date the ticket was set to be resolved. I called on XX/XX/XXXX and once again got the " run around ''. I was told to " call back on Friday ''. I was then told in XX/XX/XXXX that it will definitely be resolved by XXXX and it is now XXXX XXXX, 2016. I have seen no check with a reimbursement and my house payment is still {$900.00} instead of what it should be. Every time I call, I get nowhere. I have asked to speak to a manager and was denied. Instead, the rep said she will call her manager and get back to me. I have been patient for 8 months now and I am writing press releases that will be submitted with my honest review of Franklin American Mortgage. I am going to show Franklin what a frustrated XXXX guy can do. Why do I have to suffer financially for a mistake that this company made? I understand if it took 6 weeks or so to resolve, but 8 months? {$140.00} extra each month for the past 8 months adds up. I dont have the full amount to pay for XX/XX/XXXX and that will affect my credit because this company refuses to fix their mistake that they have even admitted to making. I am sure I will get this taken care of now that I submitted on XXXX and after I submit to CFPB. The only reason it will be taken care of is for online reputation protection which always escalates issues. I was so patient with you guys and I understand mistakes happen, but this has gone on way to long without being resolved. I have wasted hours of my time explaining to a new rep every time I have called back. I have even been told the rep would call me back which never happened. I have been told this is negligence and causes financial distress which can lead to pain and suffering. I am at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Credit card) with Credit Corp Solutions Inc. (ME).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am being called from multiple XXXX numbersXXXX numbers, etc. I know they are credit corp solutions and they call XXXX times a day. I am also getting extremely ticked off that they have been calling me after XXXX at night

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have never applied for credit with XXXX XXXX / XXXX. 
I have advised the company that several cards were applied for around this time so my information was compromised. But they haev refused to fix the matter stating that no credit was issued. The inquire was a hard nit to my credit and is affecting my credit because of it. They have become non responsive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Credit card () with CITIBANK, N.A. (DE).
Issue: Rewards

Complaint: The Citi Double Cash rewards card offers options to redeem rewards points as direct deposit to Bank account or as Check to be mailed or also as statement credit on the credit card statement. While redeeming the rewards points as statement credit though, the Citi online site does NOT disclose that as this will reduce the account balance, any payments made will not accrue additional rewards points. I went ahead and requested {$120.00} in rewards redemptions as a statement credit ; had I known of this deceptive and sneaky practice on Citi 's part, I would have instead requested a Check mailed or direct deposit into my checking account. I called Citi as soon as I read this on a blog within a coupl eof hours of having requested the redemption, and the Citi rep refused to cancel my rewards redemption and change it to Direct deposit into checking or to send a check. 
I also warned them that I would be forced to got to the CFPB and they told me to please go ahead and do what I wanted. I would like this to be published online on CFPB per your new options so that the world can see what deceptive practices Citi is engaging in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Direct Fedloan Servicing reported my loan 60 days past due in XX/XX/2014 in error. I have XXXX loans with them and all have either been in XXXX or on a direct debit. I was unaware they had negative reported me to the credit bureaus until recently. I disputed the negative reporting with the bureaus and it was declined. I called Fedloan servicing and was told that placed XXXX of my loans in forbarnace but not the XXXX. They stated regardless of the error it my responsibility to know that. I asked for a record of the billing statements or communications that would have alerted me that they failed to place the XXXX loan in forbarnce. They could not provide me those details and stated that even if they did n't send a statement, bill notification or acknowledgement that it was still my responsibility to know and thus they are not in error. How am I suppose to know that if they did n't tell me? In addition it 's their error in not placing the XXXX Loan in forbearance. They also stated they have records of my calling in an also applying for economic hardship forebarences, which were applied to the first XXXX but not the third. At no time during these call did any XXXX tell me I was behind. They stated they sent emails to alert me. I received no such emails, never agreed to email communication and every other communication they had sent me was in letter format and by mail. They failed to properly apply the requested forbarance and to all notify me of my balances afterwards

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX sued me for a debt I do not owe in XXXX County Texas per case number XXXX. They had no verification to support the lawsuit other than a computer printout with my name and an address I have not lived at in many years, an incomplete account number and many pages of generic documents that did not apply to the case at all. Prior to court, I requested a verification of debt and they sent the same printout. They did not verify anything with the original creditor. They voluntarily dropped the suit on XXXX XXXX, 2015 but it remains on my credit report still. This issue has been on my credit report for years and has caused me to incurr high interest rates on many occasions. The least they could have done is to stop reporting a debt that is not valid to credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This bill ha.s been paid over two years ago and shows up on credit as owe. I 've contacted this company for the last two years and they have lied to me telling they apologize and will remove in 7 days. I 've tried speaking to managers but no resolution. I really just need it removed causing me so much heartache. The company is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am writing to request that the account charge-off placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification Equifax and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The XXXX Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this car was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address. 
The Co-signee on the accoiunt is NOT RELATED TO ME I do not know him. He is in fact of a different race.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2015 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: several threatening calls would not send me any documentation as requested. Hung up on me whe I kept insisting on paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I informed the agency contacting me regarding said debt that the debt balance was incorrect! I advised them of such in less than 2 weeks they turned around and simply send me a form letter saying the debt is valid without confirming or checking with the creditor at all! I informed them in writing on knowing that they were simply sending me a form letter without checking out my dispute! They then sent me another letter acknowledging my dilute! Five days later they send me the same form letter again saying this was a valid debt! Again violating the FDCPA. This company in question is Credence Resource Management, LLC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Experian XXXX  To whom it may concern : In reviewing my credit report i discovered that my file fail to include information that i know is important to providing a complete portrait of me as a consumer. I request that you add the following information to my credit file. 

Last Reported : XXXX XXXX, XXXX Creditor Name : XXXX Account Type : Credit Card Open Date : XXXX/XXXX/XXXX Limit : {$30000.00} Monthly Payment : {$300.00} Responsibility : Individual Balance : {$99.00} Highest Balance : {$99.00} Payment Status : Current Worst Payment Status : Current Amount Past Due : $ 0 Times XXXX/XXXX/XXXX Late : XXXX Rent Reporters Acct # XXXX Last Reported : XXXX XXXX, XXXX Creditor Name : Rent Reporter Account Type : Rent Open Date : XXXX/XXXX/XXXX Limit : {$3800.00} Monthly Payment : {$3800.00} Responsibility : Individual Balance : {$0.00} Highest Balance : {$0.00} Payment Status : Current Worst Payment Status : Current Amount Past Due : $ 0 Times XXXX/XXXX/XXXX Late : XXXX If you need additional information from me i can be reached at include phone number. Please inform me if there is a fee for this service. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (I do not know) with CCS Financial Services, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a letter dated XX/XX/XXXX from a collection agency stating I owed {$800.00}. They stated the debt was in XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX I was a victim of identity theft and Ive submitted several pieces of documentation regarding this. I have contacted this company by phone and they were rude and uncooperative.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: To Whom It May Concern : I am writing to file a complaint about Chase Bank where I am the accountholder of a Business Checking Account. Last week, I discovered XXXX unauthorized ATM withdrawals. I live in XXXX, XXXX which, unfortunately, is an area rife with ATM scammers who use a device to rip cardholders ' numbers and PINs in order to process unauthorized withdrawals. ( A number of my friends in the area told me after the fact that they have been victims of the same fraudulent scams ). 

I called Chase immediately upon discovering the authorized withdrawals ( which totaled over {$200.00} ) and was told by the bank that its fraud team would investigate the transactions. After a week I had n't heard anything back so I called them and was shocked to learn that they had closed my dispute request without even notifying me. I asked them why and they said that because at one point I had let my assistant borrow the card to pick up some camera equipment that they would not be investigating the fraudulent transactions further. I assumed that they would pull the camera footage from the ATMs but they did not, and moreover they refused to tell me why they would not pull the footage. Now I am left with no recourse to dispute these charges. I have spoken with multiple supervisors, and no one has been able to provide me with any additional information on why my dispute was denied or why they refuse to pull the footage. As a result I have no choice but to move my business account with an institution that has a better record when it comes to resolving fraud disputes. 

If you have any additional questions about this complaint, please feel free to contact me. Thank you for your time. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (WI).
Issue: Getting the loan

Complaint: I was approved online for a loan through  OneMain Financial  for {$12000.00}  XXXX  unsecured ) or {$15000.00}  (  secured by auto ) to purchase construction equipment for my personal use ( attachment 1 ). I later discussed the loan over the phone with  XXXX  employees who contacted me about the loan  XXXX   XXXX  and  XXXX  at bank phone  XXXX  ). I was told the financial institution did not make equipment loans, but that I could refinance  XXXX  of my cars and received {$9000.00} in addition to pay for the equipment. I told them I was not interested in their loan since it did not accomplish what I wanted and I felt the interest rate th ey quoted was too high. A few days later, I was notified online that my loan application had been denied ( attachment 2 ). An attachment to this denial was my credit report with several boxes checked indicating why I was " denied '' ( not attached due to personal information ).

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease

Complaint: After my accident, my gap insurance paid off my Ally auto loan. About three months afterwards Ally called me saying I owed in the ball park of {$250.00}. With no hesitation to pay, the representative said he could put it on a 6 month payment plan, what he failed to mention is it was already late. No documentation of me owing them till a month after that phone call. However I made a payment the day of the phone call through their app which went from a {$0.00} balance to that amount. To pay it off earlier then 6 months I made XXXX deposits {$50.00} the day of and {$100.00} the following day. The next month I paid the remaining balance. Now, XXXX rolls around and my Loan Agent calls me, declared that I had to late payment markings on my credit report. XXXX for XXXX and XXXX for XXXX. I called ALLY, they wanted {$29.00} " late payment charge '' for an account that was paid off on XXXX in full. I called them being transferred department to department, manager to manager with no resolution. Their case that I repeatedly got is I did n't pay my car payment on time. My assumption is the original payment schedule was never changed and the agreement with their representative that was made never got processed. Which brings me back to square XXXX, GAP insurance pays the remainder of the bill. Yet I still owed? In resolution because of all of this I now have to bad markings on my credit report for an account that i was always XXXX car payments ahead on. with no resolution in sight and {$60.00} in late fees that should have never be occurred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2016 about Debt collection (I do not know) with Mandarich Law Group, LLP (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Filed CFPB dispute towards XXXX XXXX. XXXX XXXX responded in a timely fashion and stated that they would contact Mandarich Law and have false judgement vacated. To date no action has been taken to vacate the judgement. I have attached a copy of the original CFPB complaint and response from XXXX which has XXXX 's response highlighted in yellow. 

I have attempted to contact Mandarich Law at XXXXXXXXXXXX and tried to reach via phone.

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 02/23/2018 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: We had an over draft of XXXX and received XXXX in fees which id over a 500 % intrest. The online tools where not functioning and they acknowledged they were not but said they cant do anything

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2016 about Mortgage (Conventional fixed mortgage) with ACADEMY MORTGAGE CORPORATION (TX).
Issue: Application, originator, mortgage broker

Complaint: 1. My personal financial information including my tax returns, bank statements, and payroll stubs were sent to my real estate agent from my mortgage broker without my consent. 
2. I did not receive my loan estimate for over 3 weeks after I applied for the loan 3. Was informed in an email that I had loan approval from the broker then later informed that the investor had never received any documentation to determine loan approal. This was discovered 4 days before scheduled closing. 
4. The broker has misplaced or lost my personal documents 3 times and is now requesting it be sent a fourth time. 
5. This is with Academy Mortgage in XXXX, Tx Loan officer XXXX XXXX Branch Director XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I requested a copy of my original loan documentation twice. Initially I was told I would receive proof of my debt owed in hardcopy form by XXXX/XXXX/XXXX. I did not receive it and so I called on XXXX/XXXX/XXXX to ask when the documentation would be sent to me. They said they were sorry and I would receive the hard copy by the end of XXXX XXXX. I received one page, no amount, no school loan information. They sent me a signature page dated XXXX. 
I then asked for proof of my loan debt which I do not owe and now they are threatening collections and sending 2-3 emails a day asking me to log on for ways to pay a loan I am disputing. I asked if this collections can be put on hold until it is verified that I owe this debt. They said only if I admit the debt is mine and plan to repay. I stated I am disputing this debt. 

Needless to say I am having my credit ruined and I can not get them to honor the laws put in place to protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: result of fraud i have no knowledge of this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief