milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/XXXX, I spoke with XXXX at Experian in regards to the account listed for XXXX XXXX XXXX XXXX. I advised her I paid this loan off in XX/XX/XXXX XXXX and received my title in the mail. I asked why this account was showing as a charge off. She stated that is what was verified. On XX/XX/XXXX, I submitted an online dispute in regards to this information and asked that the chargeoff be verified as correct. On XX/XX/XXXX, I received an emailed response that this information was correct and the dispute was closed. On XX/XX/XXXX, I submitted a typed and signed letter via certified mail to  Experian asking that they send me any correspondence from XXXX XXXX that they used to verify what they are reporting. I also requested a return signature. Not only did they not sign for the letter they also did not provide me with the information I asked for. On XX/XX/XXXX, I received a letter from Experian saying they would not re-investigate this issue. Again, they have not provided me anything in writing showing me how they verified this information. On XX/XX/XXXX, I called Experian and spoke with XXXX in CS and XXXX in disputes. They stated there was no open dispute on my file and that the letter I sent was n't enough to warrant a dispute. My letter is asking for proof that they are reporting information correctly not to dispute that the info isnt mine. They have failed to do so on more than one occasion.

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 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I received a call from ( XXXX ) XXXX, I did n't answer but did call back. They stated they were Citi card and asked for my card number or social security number, I did not give them the information because I had a feeling it was a scam. I called Citi from the number on my card and they said that was not any of there phone numbers. I 'm reporting this because these people are probably stealing identities or money from unsuspecting customers of Citibank.

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 02-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have applied for forbearance due to debt and a divorce in which was enabling me from paying loan amount on time. I have sent over several applications and no response just emails indicating i need to pay. Also loan amount seems larger then what i recall. Need this to be confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: We received our annual escrow account disclosure statement from Freedom Mortgage on XXXX/XXXX/2016. They said we have an escrow shortage of {$1400.00}. In looking at the escrow account history we were confused by the way payments were going in and out of our account and why we started off with a negative balance. Our loan was bought out from First Mortgage Corp in XXXX At that time we were informed all escrow was in order during our previous statement. Things started to go wrong with our new company in XXXX with XXXX mortgage payments coming out within 2 days of each other causing issues with our checking account. In researching our escrow history we see our homeowners insure getting paid twice then credited back. XXXX XXXX taxes that had been paid by previous lender were double paid, then credited back and went in and out of our account 6 times! No one at Freedom Mortgage could explain why this happened. In following the trail we believe our account is negative by XXXX of XXXX XXXX tax payments that was taken out multiple times never getting credited back into escrow. Were were told this shortage was an increase in taxes which we knew was a lie because we have XXXX XXXX tax records and it only went up {$260.00} for the entire year. We have been on the phone for a documented 9 hours going around and around with people from Freedom Mortgage who ca n't show us where the money has gone. They are now blaming the old company. We will pay any money that is due, but it needs to be clearly shown to us why. The accounting from escrow account history just does n't make sense, and if our taxes only changed {$260.00} how are we short {$1400.00}. What bothers us is that no one in this company can show us the paperwork. We are making our house payments, but are not including the prorated escrow shortage amount until this get explained to us. We have never been late and are worried this will affect our credit and will accumulate late fees on that amount.

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 01-03-2018 about Debt collection (I do not know) with FirstPoint Collection Resources (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Some how when I sold my house the collection show up on my credits. I was not aware. Havent stay at the property in 3 year.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (IN).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a loan on XX/XX/XXXX and it was my understanding that I would pay it back in 6 installments of {$200.00} an to date I have paid {$1800.00}. I logged it today and say the repayment schedule and the payments are supposed to go on until XX/XX/XXXX. I simply can not afford to have this come out of my account every 2 weeks until XXXX. At the end of this payment period, I will have paid {$4100.00}. I called and tried to stop the debit from my account and they said I signed and there is nothing that I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (LA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My husband paid my credit card in the full amount with a check that had the credit card number, closed account, paid in full clearly written on it on XX/XX/XXXX. The check cleared my husbands account the day before the due date. I called the credit card company ( CHASE ) a week or so before it was paid in full and said we were closing the account and paying it in full and asked what was the payment amount. Today XX/XX/XXXX we are now receiving notices that the account is past due for {$6.00} when the account had a zero balance. When I called the bank they threatened to add late fees to the account also. I highly advise anyone to think twice when dealing with Chase bank or card member services at XXXX XXXX XXXX, XXXX, DE XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/30/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I used a CardTronics ATM XXXX XXXX TG XXXX ) at the Target store located at XXXX XXXX XXXX XXXX, XXXX PA XXXX on XXXX XXXX, XXXX at approximately XXXX. I attempted to withdrawal {$300.00} from my Capital One checking account. Mid-transaction, the ATM machine re-started itself XXXX pictures attached XXXX. As the re-start process took place, which lasted upwards of XXXX minutes, I logged into my checking account on my phone because I was n't sure what happened. My checking account showed a temporary transaction of a withdrawal of {$300.00}. I immediately asked a Target employee for help, and was informed it was n't their machine so they ca n't do anything. They suggested I call the number on the ATM, so I then contacted CardTronics and spoke to a representative, who informed me they could see the transaction and the error. They told me to speak to my bank, who would initiate the proper procedure to reverse the transaction. I called Capital One and they took down my information, including the XXXX phone number and terminal number. I was informed by Capital One that they would investigate the matter and reach out to me if they had any additional questions. In the meantime, my account was given a temporary credit of {$300.00} and a follow up letter stating the same arrived at my house. On Friday XXXX XXXX I received a letter from Capital One ( dated XXXX XXXX ) that they would be denying my claim because " we checked our ATM records and they do n't show an error for this amount. '' I never received the cash from the ATM, and I would imagine a transaction log within the specific ATM machine would show this. The cash remaining in the machine when it was restocked would not have corresponded with the transaction ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MS).
Issue: Loan servicing, payments, escrow account

Complaint: Please see attachment titled : " Fraudulent Foreclosure Fees and Fraudulent Foreclosure by JP Morgan Chase against another Homeowner '' Complaint # XXXX This company continues to cause XXXX on this XXXX XXXX citizen. They refuse to remove the fraudulent foreclosure. They are now endangering my Reverse Mortgage due to the fraudulent fees they have added to my loan of over {$7000.00}. 
Please see attachment for further information on this complaint # XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Transaction issue

Complaint: I pay my account in full every month and I am never late. However, I received a letter in XXXX 2015 that stated I had an unpaid balance. Unknown to me, I was set up on paperless billing and did not realize I had a balance due. Once I received the letter, I reached out to Sears and worked to resolve the problem and also paid the balance in full including late charges. 

The issue I am currently experiencing is that my credit report was dinged by a 30 day past due posting. My credit score took a significant drop. I reached out to Sears Cardmember Services via mail to request they contact the XXXX major credit reporting agencies to have this posting removed. They have refused. I feel this is the least they can due to their failure of disclosure when they changed the billing terms on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is knowingly reporting an incorrect balance and payment status for an account that was settled with XXXX XXXX. I initially disputed the above referenced account with Transunion in XXXX under the Fair Credit Reporting Act ( FCRA ) but the account apparently was verified. I subsequently disputed the account directly with XXXX under Section 623 ( a ) ( 8 ) ( D ) of the FCRA multiple times, eventually even filing a complaint with the CFPB under this Federal law. XXXX 's response was, and I quote : '' Our records indicate that we received a payment of {$21000.00}, which settled the XXXX account ending in XXXX. XXXX notified the consumer reporting agencies the XXXX account ending in XXXX was settled. We have investigated your complaint and found that XXXX furnished information relating to your account in accordance with industry guidelines. In response to your complaint, XXXX verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. " In support of XXXX 's claim of correct reporting, XXXX is correctly reporting the balance as zero, with a payment status of " Settled, '' which indicates that XXXX is correctly reporting the information but that Transunion is ignoring the corrected information from XXXX and continuing to knowingly report false information to my credit report to my detriment!! This represents a blatant violation of the FCRA!!! 
I have attached the settlement letter from XXXX and the Certificate of Satisfied Judgment as proof of the settlement as well as a partial credit report, dated XX/XX/XXXX, showing the false reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2017 about Debt collection (Credit card debt) with NORTHLAND GROUP INC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: i try to pay XXXX for this and they refuse, i dont old that much, and they never toll me i can dispute this charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Hello, My Bankruptcy included my home in XXXX WI that is now serviced by XXXX. My Bankruptcy was discharged in 2015 and has always shown as discharged under bankruptcy however they are now reporting that I owe and the account it open showing amount due, days late etc. I never reaffirmed the loan and under the Fair Credit Reporting Act they are falsely reporting and this is a legal liability on XXXXXXXX XXXX part. I appreciate your assistance as this is causing a serious issue for me with my credit that I have worked so hard to rebuild since the losses of divorce and bankruptcy. I was on hold with XXXX over two hours and they did not take my call.

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 05/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Greetings, Our loan is serviced thru OCWEN. We requested an escrow analysis several months ago, in the XXXX 2015 timeframe. We have called several times since then and they indicated that since we are in a chapter XXXX plan, it may take longer to process. We noticed about XXXX weeks ago online that our house payment had increased by about {$340.00} per month. The escrow amount was about XXXX but the principle and interest had remained the same. When we called recently, they indicated that they are investigating and they recommended that we make the old payment for XXXX 2015, which we did today, XXXX/XXXX/15. We have been current on our mortgage since XXXX and now risk being delinquent, unless we make the increased payment for which we have no documentation as to why it increased. Our fear is that what little good credit we have established by paying them on time will now be impacted. This company seems to routinely " operate in the dark '' from our experience and we are glad that you are here to help us. Thank you.

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

Complaint: On XXXX XXXX, 2016 a copy of my credit report was obtained by Citibank. I did not authorize this nor did I apply for anything. I am in the process of trying to buy a home and this dropped my credit score XXXX points and has affected me drastically. I contacted Citibank via telephone and was told I was not a customer therefore they could not help me. However they can pull my credit report and not tell me why! My lender as well as the credit bureaus told me that if they could provide me a letter stating that this was done in error they could remove this inquiry on my credit report so it would not stay there for 2 years. I need this done immediately. This inquiry could prevent me from buying my house!

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 11-08-2017 about Debt collection (Other debt) with Rauch-Milliken International, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: told girl on phone that myself as well as business was discharged thru bankruptcy, however she got rude and said i still needed to pay anyways. 

She then faxed a letter ( i Have copy ) saying they are going to file suit against a company that no longer exists and is in bankruptcy protection. Sent it back stating this but i fell this wont be the last i hear from her

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Medical debt) with United Resource Systems, Inc (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX   XXXX  sent me to collections for medical bills in the amount of {$1700.00}. These are not my responsibility to pay.     These medical bills are from a worker 's compensation case and I have a CO  XXXX   XXXX  case and court order stating that the employer is responsible for all medical bills due was a result of the injury.     All of the medical providers were given copies of the court order back in early  2012 (  my court order is signed  XXXX   XXXX  by Administrative Law Judge  XXXX   XXXX   ),   yet  one collection agency, United Resource Systems  out of  XXXX  CO, is still trying to collect that debt from me.     They, among other collection agencies, such as  XXXX    XXXX   and  XXXX   XXXX , have been reporting medical bills related to my injury, to the  XXXX  major credit bureaus, which has seriously and irreparable damaged my credit.     I expec t United Resource Systems to cea se and desist all attempts to collect these debts from me, as well as remove these accounts from my credit report immediately.     They are directly violat ing CRS 8-42-101 ( 4 ) by pursuing  me to pay these debts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (Credit card) with DISCOVER BANK (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter by mail on XXXX XXXX 2015, stating that I owed Discover XXXX. I do n't know why it went into collections, since I was making payments to Discover. After I read the letter saying that my payments were to be XXXX dollars a month I concurred. I started making payments immediately. I paid XXXX dollars in XXXX, XXXX in XXXX, XXXX in XXXX, XXXX in XXXX and XXXX in XXXX. Then I get a call from XXXX stating that my bank account had insufficient funds, which is not true I replied. They said that they spoke with the banks representitive and when I asked them if they have a confirmation number from that bank they said yes and read a false confirmation number because the number was from my receipt of payment that I had made to them. We hung up and I called my bank and asked them if they got a call from XXXX and they said that there was no record of them in the system for calling. I told the bank what the law firm said and they said that I do have sufficient funds for the payments I made, but that there is no record of a charge on my account. When I tried calling the law firm back they did n't pick up the phone and I did call several times that day. I then filed a complaint with the FTC. Then i received XXXX letters from XXXX stating to pay the full balance of XXXX. So then I thougt oh they took out at least XXXX from my account. But when i checked they did not. So I went to the website " XXXX '' to make a payment, but the website gave me a different amount XXXX I need help. I want to pay my debts but this law firm is making it very difficult as they are lying to me. I am a very honest person and respect the law., but This firm seems to be a little dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (I do not know) with United Consumers Inc (VA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This Debt Collection company, United Consumers ( their # is ( XXXX ) XXXX keeps calling MY new cell # that was previously assigned to someone called XXXX. They have REPEATEDLY called, and when I try to tell them this isn't her # anymore, they just talk LOUDLY OVER ME, ignore what I'm saying and KEEP CALLING, AGAIN, AGAIN and AGAIN!! This is NOT EVEN MY DEBT THAT THEY ARE HARASSING ME OVER!! 

They have called on : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX and this are just the dates and times I started keeping track of to report them. They started called me in XX/XX/ when I first got this new cell #.

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 03/15/2017 about Debt collection (I do not know) with ACIMA CREDIT, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do n't know about this account I did contact this company already and they said they were going to remove it from my credit report but now they 're contacting me about this account again

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to make bimonthly payments a month on my mortgage to lower my interest payments but PHH Mortgage refuses to apply that payment during the month and holds it until my regularly scheduled payment. This is causing my interest payments to be higher and making me pay extra towards my mortgage when I really should n't have to. 

I have tried contacting the company before but their monthly statement unfairly states that " any partial payments that you make are not allowed to your mortgage, but instead are held in a separate suspense account ''.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is so many inquary in my credit report, which was incorrect.I did n't recocnize that kind of inquary.

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