milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX my property, located at XXXX, XXXX, SC was reassessed by the XXXX, South Carolina Tax Assessor 's Office. 
On XX/XX/XXXX a CORRECTED copy of the tax notice was sent to Freedom Mortgage, the mortgage company that services my home mortgage. 
On XX/XX/XXXX, Freedom Mortgage paid {$1200.00} from my escrow account for the property taxes owed on my home. The amount paid was the amount of the ORIGINAL tax bill, and not the CORRECTED tax bill which was sent to them on XX/XX/XXXX. 
The XXXX Tax Collector held on to the payment of {$1200.00} until the middle of XX/XX/XXXX at which time they returned it to Freedom Mortgage. It was returned because it was not the correct amount that was due. The amount due was {$1300.00} because of the reassessment of my property on XX/XX/XXXX. 
On XX/XX/XXXX I went to the Tax Collector 's Office and was informed that the amount due was {$1500.00}. There were late fees that have now been added on to the account. 
I had been in telephone contact with Customer Service Representatives of Freedom Mortgage on XX/XX/XXXX and was told to outline the problem in writing and FAX a letter to the tax department so that it could be researched. 
I wrote a letter on XX/XX/XXXX and FAXed it to the Tax Department at Freedom Mortgage. I called the Tax Collector 's Office on XX/XX/XXXX and they have not received the payment. I telephoned Freedom Mortgage on XX/XX/XXXX and was told a disbursement of {$130000.00} from my escrow account was made on XX/XX/XXXX. The Customer Service Representative stated it should be resolved by XX/XX/XXXX. The account will be DELINQUENT if not paid by tomorrow, XX/XX/XXXX and the amount owed to the Tax Collector of XXXX, South Carolina is going to increase to an amount higher than the current {$1500.00} that is now due. 
I am attaching a copy of the letter I FAXed to the Tax Deparment and the documents I received from the Tax Collector of XXXX, SC on XX/XX/XXXX. It should not take six weeks to research a simple tax payment issue. The letter that I sent to Freedom Mortgage has a date of XX/XX/XXXX, but the year was incorrectly typed as it was typed and sent in 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 07-09-2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (CA).
Issue: Managing the loan or lease

Complaint: 1. misleading billing. on the bill received via USPS mail it shows a total amount due on XXXX XXXX, 2016 as {$280.00}. Their website shows a total amount due as {$370.00}. They charge a late charge of XXXX even when the amount due is received on time. 
2. I want them to bill me correctly. If the amount due on the XXXX of each month is {$280.00} or {$370.00} let the hard copy bill reflect the correct amount. make sure the amount due on their website reflects the correct amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Ive contacted the company numerous times to try and resolve this matter I submitted deletion letters from XXXX XXXX, XXXX and XXXX XXXX XXXX instructing that the accounts are fraudulent and to furnish me info on how they are verifying the info. XXXX refuses to cooperate with me violating my rights as a consumer to disputed errors on my report. Theyve block the access to dispute these accounts for fraud as well as gettington bank and applied bank these are also fraudulent accounts enshrined refuse to investigate them and they have not mailed me a copy of my report. Ive disputed on XX/XX/17 XX/XX/17 XX/XX/17 XX/XX/17 its been more than 30days now and they havent updated my report to reflect deletion of these fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Prepaid card (General purpose card) with WELLS FARGO & COMPANY (TX).
Issue: Managing, opening, or closing account

Complaint: I purchased XXXX XXXX Gift Cards from Wells Fargo & Company, and loaded {$200.00} on each with a {$4.00} fee, totaling XXXX. Upon realizing that the card did not work at retailers I was led to believe it would work at, I attempted to have my remaining balance ( the full {$400.00} ) returned to me. I did not seek to have any associated taxes or fees refunded. I was told by a Customer Service Representative that the best they could do was offer me 65 % of my remaining account balance. I attempted to complete this refund within 48 hours of the initial purchase, and had my receipt from the initial transaction. Every attempt to resolve this issue with Wells Fargo & Company has been met with contempt, and I do not believe that they have dealt with my issue in good-faith. I was not cautioned about any policies regarding refunds at the time of the initial transaction. I find a 65 % refund to be wholly unacceptable as I had paid for the balance in cash, and in full, only 48 hours prior.

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 06/19/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: First I want to say that I was XXXX months behind on my mortgage payment and am in the process of getting caught up. Bank of America started doing the following : To my surprise I received in the mail a XXXX package that I was approved for a loan modification. ( I never applied for one ) When I called the bank they informed me the investor ( XXXX XXXX ) offered me a loan modification that it did n't come from them that they only service the loan. The loan modification stated the rate would be the same but they would stretch the loan out XXXX years and XXXX months and they would now escrow the account. ( Presently I only have XXXX years and XXXX months to pay and for the past XXXX years I have been paying my own insurance and taxes on the installment plan ) I declined the offer and specifically spoke to a customer rep named XXXX at Bank of America. 
Then I get another letter stating my mortgage payment was going up XXXX plus dollars to include my escrow. I called the bank again and was told to protect their interest and XXXX XXXX they were going to do escrow. They called my insurance company and told them they would be doing the payments. I stated again that I never consented or signed any papers for any loan modification and my insurance and taxes were all paid up. They went ahead and requested payment from XXXX XXXX XXXX that was already paid and XXXX sent them {$260.00} which was paid a XXXX time. Then they contacted XXXX XXXX a company that is taking over XXXX XXXX accounts and requested {$1000.00} wind insurance which is not due until the contract runs out with XXXX on XXXX XXXX. XXXX goes ahead before the due date requesting payment and Bank of America sends them a check of {$1000.00} on XXXX XXXX, 2015. Then they added all of this supposedly escrow which was not in place for the past XXXX years and are adding it to my mortgage payment. This will surely push me over the edge when I am trying to get caught up. They already threatened me with foreclosure and have been adding on late fees and inspection fees until I get caught up. 
In summary I never applied or signed for any loan modification. Ask them to prove this and they will be unable to unless they forge my signature. They started this escrow when everything was paid. They plan to do this with my taxes next which also is paid to date. The contract with XXXX was not to start until XXXX XXXX when XXXX XXXX expired and Bank of America sent XXXX XXXX {$1000.00} in XXXX from my supposedly escrow account which I never had in XXXX years adding it to my mortgage payment when all was paid until XXXX XXXX, 2015. Bank of America has created a total mess of my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt has been paid in settlement. Will not remove from my credit report after 9 years.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Credit card () with Total Card, Inc. (MD).
Issue: Billing disputes

Complaint: For weeks, I 've asked this company to replace my card, as it has been compromised. Someone has made unauthorized charges on this card. XXXX charge was to a place called XXXX for {$4.00}. Others include XXXX XXXX and XXXX XXXX 's. I reported the card as COMPROMISED months ago, and requested a new card. Then, someone stole the card, and it is no longer in my possession. As a rule of thumb, I make small payments to all of my credit cards. Total Visa was no exception. In spite of this, they have been telling me that I 'm past due of {$43.00}. They are also reporting the account as delinquent, clearly billing me for unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: The Chase investment has incurred a fee every year for last 2 years and I was told that this fee is for keeping the account open every year in spite of the fact that my Chase account holds Chase mutual funds so it seems that Chase Bank is double-dipping where it is earning fees from my funds and charging me a separate fee to hold the account open. They claim it 's okay for them to assess fees in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Debt collection (Other debt) with INTEGRAL RECOVERIES, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I received a letter from this collection agency saying it was on behalf of the XXXX dept of revenue. it looked like a scam, but I called XXXX immediately to verify if it could be real ... it is. I then made immediate action to communicate with XXXX and XXXX for XXXX  XXXX XXXX XXXX and also called this collection agency to inform them i am taking immediate action to resolve this issue with XXXX. The collection agency wont give me any 'grace period ' so I can get this resolved with XXXX and they continue to threaten me. I just found out about this!!! XXXX revenue needs forms from the IRS sent to them to fix this issue and the IRS has my request and states they need up to 2 weeks to get me the response, and then XXXX says they have 30 days to review. the collection agency says they are moving to garnish my wages, issue liens, etc!!! I have excellent credit score and NO history of evasion of any of my responsibilities. In a couple of months this can all be resolved .... and in a couple of months this collection agency can do me great harm.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: While checking activity on my credit report with Trans Union I found that I had a collection on my account added 4 months ago. It is from a collection company called XXXX XXXX XXXX claiming I owe the XXXX XXXX XXXX, a payday loan company, {$720.00} from XXXX. 

1. I do not recognize this lender and question the legitimacy of this claim. If this was a debt from XXXX why am I just hearing about this or seeing it on my credit report in XXXX. 

2. XXXX is a payday loan company. It 's illegal for payday loan companies to lend money to residents of NJ due to our usury laws. 

" N.J.S.A. 2C:21-19 makes it a criminal offense to charge, take from, or receive, from any individual, interest at a rate exceeding 30 % per year. Further, N.J.S.A. 2C:21-19 renders it a criminal offense to charge, take from, or receive, from any corporation, limited liability company ( an " LLC '' ), or limited liability partnership ( an " LLP '' ), interest at a rate exceeding 50 % per year. 

In other words, in New Jersey, charging, taking from, or receiving, from any individual, interest of more than 30 % per year is criminal usury. So, too, in New Jersey, charging, taking from, or receiving, from any corporation, LLC, or LLP, interest of more than 50 % per year is criminal usury. 

Criminal usury is a crime of the second degree if the rate of interest on the loan is more than 50 % per year. N.J.S.A. 2C:21-19 ( a ). Criminal usury is a crime of the third degree if the interest rate on any loan made to any individual is more than 30 % per year but less than 50 % per year. Id. 2C:21-19 ( a ). '' Payday loans usually have rates well over usury. I do not have any information on this supposed loan but would love to see the original loan agreement because I sure XXXX group llc and now XXXX XXXX are committing a criminal offense collecting a loan with high interest rates. 
XXXX XXXX XXXX. When searching for information about XXXX XXXX XXXX I have found reports of law suits and even a motion that has shut XXXX down resulting from a law suit from the FTC. 
XXXX XXXX XXXX XXXX The court has deemed the practices of XXXX XXXX XXXX as schemes and predatory. How can XXXX now prey on people who had loans from XXXX, if these debts are even valid, if they where shut down? Who is XXXX? Are they somehow part of XXXX XXXX XXXX? 

I ask that the Consumer Financial Protection and the credit reporting agencies please review my dispute. There is something not right with XXXX XXXX XXXX and their claim that I owe them or XXXX money. Please help me remove this item from 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 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On my XXXX credit report there exist two hard inquiries by ( BOA ) Bank of America dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I contacted ( BOA ) spoke with a representative and requested a letter of deletion. They said NO because I requested a credit line increase and the inquiry was valid. It was never disclosed to me at the time of my inquiry that a credit report would be pulled ; and when I asked for proof of said I was told " they can not provide this information to me. I responded by saying " I have a legal right to this information ''. I was agan denied ; and was told that a complaint would be filed. I the spoke with a supervisor who said " They do not have a scripts that require them to inform customers nor are they required to because it is in there terms and conditions. I responded by asking where?, because I could not find this in there terms and conditions. I am affirmed that this encounter was deceptive and violates my right in making an informed decission. My right to disclosure at the time of said is without parallel.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Total Card, 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 filed complaints XXXX, XXXX and XXXX. While the results from XXXX re investigation end in removal of the accounts in question from my credit report something is terribly wrong between the CBs investigations or the company XXXX XXXX XXXX XXXX XXXXXXXX XXXX is deliberately reporting different information to the different credit bureaus ... .someone is providing false information because XXXX claims to have updated the information. Furthermore, the accounts in question have yet to be removed from my reports in complaint XXXX. I try and have patience regarding these matters but the CBs seem not to have a problem putting the information on my report the same day it should be removed as well in a timely manner. I refuse to allow this to keep happening and will continue to complain until this matter has been satisfied. If the accounts are verified as mine then I will not deny them but playing around with my credit is doing serious damage to my credit and the next step will be a law suit. I have tried contacting XXXX by phone and the website and it says that the system can not access my account due to on going disputes but claims I can view the status ..but will not let me as of X/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Transaction issue

Complaint: I was contacted by, Capital One, by telephone, about suspicious activity on my a credit card in XXXX 2016. There were XXXX charges for {$110.00}, at different locations, on XXXX XXXX, 2016. I had destroyed the credit card months earlier as I was planning on cancelling the account after all automatic charges transferred to another Capital One card. The card had not been used online for nearly a year. In XXXX an annual magazine subscription was charged for {$49.00} on XXXX XXXX, 2016, which is valid and I paid for that. Shortly after that, XXXX XXXX, 2016, is when the fraudulent charges of {$110.00}, XXXX times, occurred. I was told by Capital One that I would not be responsible for fraudulent charges. When I telehoned them afterwards, more than a few times, I was told that I would not be responsible for the charges. On XXXX/XXXX/16, I received a notice that I had been reported to XXXX for failure to pay. I have left three phone messages to the fraud agent, XXXX, with no return call. I did receive a letter dated XXXX/XXXX/2016, but received sometime later than that from the fraud department saying that the investigation was resolved. But the fraudulent charges, and now late charges and interest are accumulating on the fraudulent charges. I have a second Capital One credit card that I have been using since I stopped using the credit card that has the fraudulent charges on that I always pay off each month. It appears, to me, that someone got the credit card number from the magazine subscription charge for {$49.00} in XXXX and either sold the number or used it online to make the XXXX purchases for {$110.00}, on the same day, at three different locations. I 've done everything I can, including sending a letter to the fraud department of Capital One. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2018 about Debt collection (Medical debt) with Creditors Collection Service (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Creditors Collection Service has been repeatedly calling and leaving recorded messages concerning multiple medical collection accounts I have with their office. They are in violation of the act by leaving the message on a shared answering machine. As a result, the message was heard by our housekeeper, babysitter and children. This is in violation of the FDCPA. Should I decide to pursue charges, they can be fined up to 1,000 per call that we have saved. 

As a result, I want CCS to stop calling and for those debts to be paid by their agency and the accounts marked as paid. If not I will pursue legal action to make sure they are fined for the 20+ messages I have saved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Advertising and marketing

Complaint: An unauthorized credit inquiry was made on all XXXX reporting agencies by capital one. I continue to get solicitation from this company even after I requested that they stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2015 about Mortgage (FHA mortgage) with VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife has her house financed through the Virginia Housing Development Authority. In the last year we have had to change our home insurance policy on that house. VHDA has continually made mistakes with correctly paying out the policy to the provider XXXX XXXX insurance Company with XXXX as the agent ) via the escrow account. It was so bad that at one point because VHDA paid out to XXXX wrong insurance providers, who were not XXXX, XXXX and XXXX informed us that they were going to drop us due to non-payment. We thought we had that whole issue taken care of in the XXXX timeframe of this year. However about XXXX months ago we got notified by VHDA that the escrow account was shorted by over {$1200.00} and therefore the mortgage payment on the property was increasing by over $ 200/month to cover the shortage. The reason for this shortage was because VHDA had paid out, twice for about {$1200.00}, insurance companies who were not our providers. Therefore After spending over XXXX hours on the phone with XXXX trying to understand what the issue was and who caused it, my wife and I thought we had this issue taken care of. VHDA even sent us an annotated print out showing where they had sent out XXXX incorrect payments, received return payments from those companies and finally paid out, correctly, to XXXX XXXX. Therefore, my wife and I thought everything was taken care of both with XXXX, to ensure we had insurance on the house, and VHDA, such that there was no longer a shortage in the escrow account. However, when we went to make the monthly mortgage payment this month, the payment amount reflected an amount that VHDA told us we would have to pay because the escrow was short funds. What I am filling a complaint about is this issue. Why do I have a document from VHDA showing that my escrow account is in good standing and any issues with the lack funds in the account are as aa result of their mistakes and not ours as a homeowner, and somehow I 'm still responsible for missing funds that should n't be missing from my account in the first place. This issue has been ongoing for almost a year and we would like it resolved. 

ThanksXXXX and XXXX XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX on XXXX/XXXX/2016 at XXXX which in that motion the Plaintiff submitted XXXX assignments of mortgage which XXXX of those assignments is a fraudulent assignment. 
Penny Mac do not have legal capacity, legal authority, legal standing and legal rights. In the motion on XXXX XXXX ,2016 the motion was denied by the court. 
The financial institutions there is not in title too collect the debt. This institution is of inviolatation of the FCRA/FDPCA.

Company response to consumer: Closed with explanation