milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: Chase card services is committing fraud by reporting my date of last payment as XX/XX/XXXX According to chase I paid these accounts with XXXX account ending in XXXX According to XXXX XXXX XXXX XXXX ending in XXXX was closed in XXXX so ther is no way i can pay from this account the date of last payment is XX/XX/XXXX so the credit cards listing should be removed from credit reports as it is too old after XX/XX/XXXX Chase is committing fraud by changing date of last payment so account listing remains and I am kept hostage for life Pls help Documents are attached

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NH).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX I made a payment for the XXXX payment of my mortgage to Carrington MS and onXX/XX/XXXX I made another payment for the XXXX Payment to Carrington MS . Both payments were in the amount of {$1300.00} which leaves XXXX and XXXX  now due.
The supervisor was hostile on the phone when I called to make my payment the second time and told me that I I was past due since XXXX. I disputed that and I submitted a letter to the fax numbers that XXXX, the supervisor gave me for both to receive my statements to be mailed to me and to dispute the amount they are stating over the phone that I owe. I have proof of every payment I have made with XXXX XXXX XXXX and Carrington MS . The supervisor stated that if I did n't make two payments by the end of the month I would be prevented from making any payments at all. Since Carrintgon MS took over my loan for XXXX XXXX XXXX, in one month I am now being threatened with foreclosure. I received only one letter letting me know of the transfer then the letter to foreclose. On Saturday, XX/XX/XXXXI received a letter for the intent to foreclose. Carrington MS was willing to foreclose on my home for two payments behind is unacceptable when I have fought for years to keep my home. I have ever intention of paying my mortgage and find it unacceptable that they can use intimidation and rather than work with me take my home away from my family.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other fee

Complaint: As part of the new XXXX relationship with Citi, my XXXX account was cancelled and a new account was opened at Citi on XXXX XXXX. I was charged interest by Citi almost immediately after the new account was opened because the due date from my XXXX account was on the XXXX and when I noticed XXXX had transferred the account balance to Citi ( but not my Autopay instructions ) I paid Citi for the amount due from my previous XXXX statement, but on XXXX XXXX, incurring interest charges of {$5.00}. Although not a large amount, the account transfer, Citi did not connect this newly transferred XXXX related account to my existing online account information with Citi, so there was no way of knowing what was owed, to who and by when from Citi. I emailed them about the situation and they refused to removed the charges. The consumer seems to be at the mercy of a sloppy account transition between XXXX card providers.

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 04-07-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Problems caused by my funds being low

Complaint: I have asked my bank repeatedly to remove the overdraft protection from my account. They refuse to cooperate. Each time that the overdraft protection is used, it results in a {$35.00} fee. These fees result in insufficient funds for purchased which result in more overdraft fees. The cycle keeps repeating itself. I asked them to reimburse me for the fees as I do not want the overdraft protection. They refused to reimburse me because they reimbursed me for fees in the past. Any fees that have been reimbursed to me were done so as a result of their mistakes. I live paycheck to paycheck. I am paying bank fees instead of my bills. This is ridiculous. I 'm not asking for a lot. All I 'm asking for is for the fees to be credited back to my account as they should never have been incurred. My account has a negative balance right now and there are more fees that are going to be added to that balance. I get direct deposit. The majority of my check is going to be deducted instantly to cover this negative balance. Something needs to be done.

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 02/18/2016 about Debt collection (Credit card) with Firstsource Advantage, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt has been with another collection agiency, when I requested proof from the previous agiency, they sent no contract and the bills they sent did not have my new name on them. I was married on XXXX/XXXX/2012, a couple of weeks later my name was changed at the XXXX XXXX XXXX XXXX off of XXXX XXXX in XXXX Virginia and my new social security card, new drivers license, and marriage certificate ( that is filed with the XXXX XXXX Court House and im sure a copy can be requested by any party ) and all cards were re-issued with the new married name. The bills I was shown by the previous creditor showed bills in my maden name after that date and still said another name for a long time after my name was changed on all my accounts with XXXX XXXX XXXX. I had new cards issued in my maden name that does not match the bill, no contract has been shown to me, not even the documents I signed with the bank to change my name.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (GA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I 'm currently the POA of my father that 's in a assisted living memory care unit here is GA, and he has  XXXX  /  XXXX   XXXX  issues. Since  XXXX   XXXX  last year I 've tried to close this account due to his health issues and I 've been able to close credit cards with  XXXX  and  XXXX   XXXX   XXXX  . AAA member services was sent a copy of the financial POA in order for me to close this account. I then receive letter dated  XXXX / XXXX / XXXX  requesting my SSN and DOB in order to add me on account. After numerous phone calls from  XXXX   XXXX , through this past  XXXX   XXXX  they still want my information. They asked if my father could add me, and I said no he does n't even know what day it is let alone time. I also informed them of his condition of  XXXX  and  XXXX   XXXX  which they still insisted policy required me to submit information. All I want to do is close this account, and be done with  AAA  Credit Card. I hope you all can assist me in closing this, and I do n't understand when the other credit cards companies where fine in what I sent and understood my situation.

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
Consumer complaint received 02/27/2018 about Student loan (Private student loan) with SLM CORPORATION (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have struggled with paying the minimum amount of my student loans. They have suggested a flexible option, but I told them the amount was still too much. Somehow they have my roommate 's phone number and called her on XX/XX/XXXX. On that phone call, I asked them to remove her information as my contact because she has nothing to do with my account. On XX/XX/XXXX, my roommate received another phone call from them. They call me 5-7 times a day and have even called my job when I've asked them to stop.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 have called XXXX consumer relations to notify them of an account with XXXX XXXX XXXX that is on my credit report by error. I have disputed the account with XXXX but everytime I speak to someone on the phone, it sounds like someone out of the country and not someone who can handle my concern. I have tried to explain to the XXXX representatives on more than one occasion that they need to obtain the agreements from XXXX XXXX XXXX regarding this account so that they can find the discrepancies and know why it is on my credit report when it should n't be. I tried calling XXXX XXXX XXXX myself but I have not been able to have them help me because this account has information that does not match mine. XXXX continues to report this account on my credit report.

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 01/30/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other

Complaint: A Civil Complaint was filed against me on XXXX XXXX, XXXX by Capital One ( USA ) N.A. with the District Court in the amount of {$4500.00} plus court costs at Docket Number XXXX. The disposition of that hearing was Judgment for the Defendant. A copy of the Award is attached. 
Capital One ( USA ) N.A. Appealed the Magisterial District Judge 's Judgment on XXXX XXXX, XXXX to the Court of Common Pleas at Docket Number XXXX, which an appeal hearing was held on XXXX XXXX, XXXX. The Court of Common Pleas again found Award for Defendant against Plaintiff, Capital One ( USA ) N.A. A copy of the Award is attached. 
Capital One ( USA ) N.A. did not appeal the decision of the Appeal from Common Pleas Court and their decision in the case stands. 
I had noticed XX/XX/XXXX that Capital One was still reporting their claim negatively to TransUnion Credit Bureau, which is attached. I filed a dispute with TransUnion and Capital One sent me a letter seeking additional information. I responded to their request on XXXX XXXX, XXXX. A copy of this correspondence and the Certificate of Mailing is attached. 
Last week I received a XXXX from Capital One indicating that " because they canceled or forgave {$600.00} or more in principal debt to you, we 're required by the IRS to send you a XXXX tax form. Since this matter was adjudicated against Capital One ( USA ) N.A., I contact them as to why I receiving the XXXX. I spoke to XXXX XXXX at the number that appeared on the XXXX for questions. She advised me that Capital One ( USA ) N.A. made a business decision to file the XXXX with the IRS and advised me to contact the IRS. I tried explaining to her that it 's impossible to for forgive or cancel a debt that was never owed. Additionally, I tried to explain to her that this matter had been litigated to finality and that Capital One did n't prevail in the litigation and offered to fax or email her the Appeal Award for the Defendant from XXXX County Common Pleas Court. She again explained to me, in a now rude and condescending manor, if I did n't like their decision, contact the IRS. I requested to be transferred to someone else that could further discuss this matter. She transferred me to XXXX XXXX in the Disputes Department. 
I explained to XXXX XXXX the purpose of my call and she placed me on hold for multiple minutes and then reinstated that Capital One 's position in sending the XXXX was that the case was withdrawn with prejudice. I offered her the documents in the case, but she declined since the information she had was from their legal department and they had every right to notify the IRS of this situation and they will not rescind or provide a corrected XXXX. 
It appears that Capital One 's actions are punitive.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Auto debt) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Credit Control Services has been reporting to the major consumer credit reporting agencies that I have a delinquent auto insurance account. However, this is not something which I owe. I have disputed this account on the various reporting bureaus and it is being verified as accurate, despite me giving a thorough explanation of what happened. I discontinued my policy with XXXX XXXX XXXX because I no longer had owned a vehicle. I should think this common sense that I would not be paying to insure a car which I no longer owned, or any vehicle at all. XXXX was aware of this and said coverage would be cancelled. Now, it 's showing up on my credit as a {$970.00} unpaid collection. I never received a bill from them. I paid all of my bills on time, so I had a XXXX balance when I cancelled the service. There is no reason I should owe almost $ 1k. And there is certainly no reason my credit should be damaged by this erroneous charge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (VA mortgage) with Stearns Ventures, LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I have contacted Stearns Lending multiple times to get my escrow adjusted to reflect a property tax exemption from my county. First, it was to see what information was needed in order to adjust it. I submitted the questions through the online contact form. I received an email confirming that the request was received, however, I never heard back. I called in after waiting the requested 10 business days and was told that the county needed to send them a form. When I asked for the form, they said that the county is the one who has it. I called my county who had no clue what is was but offered to write a letter confirming the property tax exemption on the property for my service XXXX veteran husband. This letter included all the information on my property including the estimated tax bill for 2016. 

On XX/XX/XXXX, I submitted this letter through the same secured form online and got a confirmation that they received my request and it asked for XXXX business days to review and research it. On XX/XX/XXXX, I called in because I again never heard a response from the company. I was told that they denied my request for Escrow Adjustment because I did n't submit an actual tax bill. When I explained that tax bills do not get issued until XX/XX/XXXX, they said that they can not go off of the county 's estimated tax bill. I questioned this because they are currently withholding the escrow based off an estimation and not an actual tax bill. The answer was still no, they would not adjust my escrow based off of my tax exemption. This puts a large strain on my monthly cash flow because the difference in escrow is about {$150.00} a month. 

I also questioned why I was not informed that the request was denied. I literally had no communication back from Stearns lending after I submitted the request. I was told that I submitted the wrong form. I questioned how that was possible considering that I used their form online. I never got a clear answer. The agent I spoke with was agent # XXXX. I 'd love someone to review this call because it truly was bizarre. 

I 'm appalled that a company who is holding VA mortgages is not more familiar with tax exemption available to XXXX Veterans. Also, this is the not first time I 've had issues getting my escrow adjusted. When I switched insurance policies, I had to submit the request 4 times before it actually was done. Each time I called, I was informed that they never received the information. There is a systemic issue with bad service and communication at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've contacted this company numerous times over four years and they still have not verified any information with me. I discovered them on my credit reports when trying to move into an apartment. They have XXXX accounts posted to my credit reports XXXX XXXX and XXXX. Accounts are # XXXX for {$810.00} # XXXX for {$1000.00} # XXXX for {$550.00} and # XXXX for {$1300.00}. After researching this company on my own. I have noticed this company has been sued multiply times for manipulating and compromising information on consumers credit reports. Noticing that also the Consumer Financial Protection Bureau has taken action against portfolios recovery 's Deceptive Tactics to Collect Bad Debts. Portfolio recovery is very sneaky and are very manipulative over phone calls. This has to stop, They will not return emails, Ive contacted them to resolve the issue and they are to multiplicative for me to handle!

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Receivables Performance Management LLC ( RPM ) has been relentlessly harassing me for months in regards to a debt of {$3700.00}. The creditor is XXXX and RPM is contacting me on XXXX 's behalf to retrieve this amount. I have received repeated letters claiming I must pay this debt. OnXX/XX/XXXX, they mailed another letter claiming XXXX is even willing to " remove my collections '' if I pay 60 % of the total debt ( {$2200.00} ) before a certain date. OnXX/XX/XXXX, I received a pink letter from RPM with an ominous title " You failed to respond. '' This comes to me at a surprise and severe annoyance because I have never once in my life been a customer of XXXX before. I even called XXXX to verify this and they affirmed that I have never opened an account with them. I am not sure how Receivables Performance Management got hold of my address and information and decided to take it upon themselves to harass me for money I do not owe, on behalf of a company who I'm not serviced at.

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 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient from the start mis-informed, diverted and ultimately destroyed my credit because of thier lack of guidance and/or help when it came to my loans coming out of forberence. I was XXXX on SSI with XXXX children trying to find a new job after graduation and my loans were coming out of forberence. I tried contacting Navient to get information about reducing my payments through consolidation or other options that would keep me from defaulting on my current loans. They told me my options were very limited and that I could only apply for a hardship, which I did. Nothing ever came of it and my loans went into default.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Envoy Mortgage Ltd. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Terrible experience refinancing through Envoy Mortgage, XXXX XXXX 's agency. Use higher that average title and appraisal services and pass cost off to the customer. Horrible customer service - especially once you have paid them. Pay-offs were done wrong and could not get answers to my questions, just told to go figure it out myself. Mortgage was sold and no notification was sent to customer. Paid extra to principle before my loan was sold - it 's been two months and that money has never materialized at the new mortgage company!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/2018 BOA called my work # ( above ) asking for me again this is not the first time but I sure want it to be the last I dont need to loose my job This is not acceptable at the school that I work at

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 10/17/2017 about Debt collection (Payday loan debt) with Kohn Law Firm S.C. (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A payday loan company got a judgement on me in XXXX in the amount of {$1300.00} which includes court fees and costs. I started paying them back on XXXX/XXXX/XXXX {$50.00} per month through a debt management company. When they were contacted in XXXX XXXX by the debt management company to set up a payment plan they automatically served me with court papers. I got the court date cancelled by filling out a financial statement and proof of needs based assistance. The debt collection company agreed to a temporary payment plan of {$50.00} per  month for 5 months. I upped my payments to XXXX per month in XXXX XXXX like they asked. In XXXX XXXX i received another summons to appear in court. The debt management company called the collection company with me on a 3 way call they stated we were going to court again because I had not completely completed another financial disclosure form that they sent to the debt management company. The debt management company had no records of their request. The debt collector said if i complete the form completely that we wont have to go to court but i will still have to pay them court fees. I have been called at least once per week by the debt management company requesting my bank account information and employer information for the debt collector since XXXX XXXX. I have paid XXXX dollars on this debt over the past year and have XXXX left to pay. The debt management company tells me the collector is charging me interest at 12 %. This is a 6 year old debt. The reason for the court date on the papers i was served is for unpaid debt in the amount of XXXX. I only have XXXX left to pay plus they are now charging me interest. Is this legal? They have not agreed to a payment plan for whatever reason but are cashing my payments. I should not be responsible for added court fees again i am already paying them in the judgement of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation