milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with AMERICAN PACIFIC MORTGAGE (UT).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Staff, My name is XXXX XXXX. I recently bought a home that I went through American Pacific Mortgage to finance. 
The mortgage company forced me to put into escrow more than {$8300.00} extra in payments during closing, on XX/XX/2016. That money was to be used to install flooring and for a range. When I ordered the flooring from XXXX, American Pacific Mortgage at first refused to pay the company, telling me that I must pay out of my own pocket first then I get reimbursed, which is bizzare, since the escrow money is placed there for the purpose of paying for the costs of flooring and range stove, however, they want to withhold that and not pay. 

However, after some intervention, they sent {$4300.00} of payments to the store, and it got delivered. That took 2 days for them to process and send the payment. 

XX/XX/2016, I made another request to XXXX XXXX who handles escrow payments for American Pacific, for another approximately {$810.00} to pay XXXX for more materials. However, they did not reply, and thus, after leaving many messages and emailing over the last 3 weeks, I decided to contact in person the branch manager, XXXX XXXX, in XXXX XXXX XXXX, on XX/XX/XXXX, of American Pacific Mortgage but each time, they had ignored my request, no response or replies to my emails or call, causing tremendous problems with the flooring installer, having to return and wait upon the materials to come and not knowing when the rest of the materials will come. 

They made me sign an agreement to be finished at a certain date, which has way passed, but they have been the biggest problem in withholding the funds. 

Not being able to wait any longer, I decided to pay out of my own pocket the order on XX/XX/2016. I then immediately called XXXX XXXX and left a message, requesting the {$4000.00} balance of the escrow money I had paid into be reimbursed back to me, but it appears that he and American Pacific again refused to respond, thus, I am now contacting you to intervene to push for American Pacific to pay back that money I had paid them. 

Their Address of the person that should be sending the check is : XXXX XXXX - Assistant Comptroller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XX/XX/XXXX, my son ( a XXXX XXXXt at XXXX ) made two purchases ( gas ) using the TD bank credit card I gave him. The bills are mailed to me at my home in XXXX XXXX, XXXX. I always pay them on time. However, I spend the time from XX/XX/XXXX to XX/XX/XXXX in XXXX. I fill out a change of address form with the US Postal Service and all my bills are forwarded to me. For reasons I can not fathom, TD Bank does not allow their bills to be forwarded. I got my bills from XXXX, etc but nothing from TD Bank. In XX/XX/XXXX or XX/XX/XXXX I got a call from a TD Bank rep who was a bill collector, telling me I was 90 days delinquent in paying my bill. I told her I had never gotten a bill, nor any notice that I was delinquent. She checked and said the bills had been returned to TD Bank as undeliverable. I told her that was impossible, my mail is forwarded to my XXXX address, and I had been receiving all my bills ( credit card, insurance, electric, etc. ) She said TD Bank does not allow their bills to be forwarded " to guard against fraud ''. I asked how much had been charged to the account in puchases, and she said {$71.00}, which I paid immediately. But she said I owed late payment fees and interest charges. I asked them to waive those fees, as the reason I was late was their refusal to allow the bill to be forwarded. They refuse. The late fees and penalties now exceed {$130.00} ( with interest the amount they claim I now owe is {$130.00}. I have called at least three times but they refuse to waive the penalties and interest. I am now getting threatening letters and phone calls ( they say they will report me to a credit bureau ). it is absurd for them to CAUSE me to be late by preventing my bill from being forwarded, and then seek to collect penalty fees that dwarf any interest charges. And I paid the purchases in full! Please help me. The bank is totally unresponsive and is demanding I pay them all these penalty fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-03-2015 about Debt collection (I do not know) with URS Holding, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A company ID 'd as XXXX from telephone # XXXXis continually calling my place of employment after they were repeatedly told to cease and desist. 
This is a 3rd party agency. They do not identify themselves other than the ID on our phone system. They are demanding payment but do not identify a transaction, company or amount. 
They are calling my employer as a method of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A man, XXXX XXXX, left a message on my voicemail claiming he was trying to locate me with a legal summons for a lawsuit. He left me the number of this company to contact in regards to this case. I called the number he provided where I was told I was being accused of defrauding XXXX XXXX for a credit card I had issued back in 2000. They were suing me for over $ XXXX.They claim Citibank bought the debt and they were now demanding their money. I am not sure that this is a valid debt. I have not received any collection notice from this company as of yet, just this phone call. I contacted my attorney and she researched our local county court calendar. She can not find a court date for this hearing. At this point she feels as though this is a scam of some sort and recommended I report it to the authorities. I am also concerned because these people do have at least the last XXXX numbers of my social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The disputed account has been given ample time to validate their position of maintaining a collection account on my personal credit profiles. It is now time that I request a division of the Federal Trade Commission known as the Consumer Financial Protection Bureau to demand accountability. I have never paid on any account to this organization. This company obtained my personal information from a debt pooling service. There was never a legal assignment or transfer of ownership. FTC XXXX XXXX XXXX XXXX ( 2009 ) stipulates XXXX criteria f a legal collection process : 1 ) The debt must be within the resident jurisdiction of legal collectability 2 ) the ownership transfer must be in hard copy documentation, backed up upon request and 3 ) the individual must be given ample notice or 30-days that the legal collection could be posted on a person 's credit report is not rectified within said 30-day notification. In this matter, the collection company failed on all three criteria. The CFPB needs to monitor and sanction XXXX XXXX XXXX, and a " Cease & Desist '' must once again be administered against this company for such illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Credit card) with CITIBANK, N.A. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled the debt with a lump sumpayment XXXX direct withdraw from my checking 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 explanation
Consumer complaint received 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On XXXX, I received an Email from a credit bureau company indicating that chase has added a missed payment to my credit history. It was surprising since I knew I was enrolled on auto-payment program, so it is impossible to miss a payment. I contacted XXXX and they informed me that they have sent a letter to me on or around XXXX XXXX indicating that my auto-payment has been turned off. However, they surprisingly sent the letter to my previous address in XXXX, while currently it is more than a year and half that have abandoned my previous address in XXXX and live in XXXX. In fact, in XXXX, I contacted chase via phone and updated my address, but based on my recent communication with them, they have failed to update my address for some reason! Accordingly, I missed a crucial correspondence with respect to turning off the auto-payment on my account, which led to delinquency and unfair report to the credit Bureaus. I talked to XXXX XXXX XXXX on XXXX at XXXX XXXX with respect to my complaint. She mentioned to me that she has left a note on my account regarding her finding regarding my complaint. 

Accordingly, given that chase failed to update my address, despite my request to do so via a phone call in XXXX, and chase has turned off my auto-payment after I enrolled in the payment program while subsequently failed to send correspondence with this respect to my updated address, I hereby request chase to correct its wrong-doing and remove the missed payment from my credit report history. 

I thank you for your cooperation and attention to this matter herein.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: The federal Electronic Signatures in Global and National Commerce Act ( " E-Sign '' ), 15 U.S.C.A. 7001-7031 ( West Supp. 2002 ), provides that electronic records may not be denied legal effect, validity or enforceability solely because they are created electronically. 
Both the federal E-Sign and ESRA authorize the use and acceptance of electronic signatures and electronic records in commercial transactions, and confirm their legal validity. 
The E-Sign Act establishes that electronic signatures and electronic records are valid and enforceable if they meet certain criteria. See 15 U.S.C. 7001 ( a ) ( 1 ), An electronic signature is " an electronic sound, symbol, or process, attached to or logically associated with a contract or other record and executed or adopted by a person with the intent to sign the record. '' 15 U.S.C. 7006 ( 5 ). An electronic record is " a contract or other record created, generated, sent, communicated, received, or stored by electronic means. '' Id. 7006 ( 4 ). 
Consumer authorizations can be provided in paper form or electronically. Writing and signature requirements are satisfied by complying with the E-Sign Act which defines electronic records and electronic signatures. Regulation E does not prohibit companies from obtaining signed, written authorizations from consumers over the phone if the E-Sign Act requirements for electronic records and signatures are met. 
Specialized Loan Servicing ( SLS ) received my updated profit & loss statement timely ( XX/XX/2016 ) during the loan modification review process but failed to use my updated profit & loss statement in violation of the federal law 15 U.S.C. 7001 ( a ) ( 1 ).

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 08/22/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Submitted a dispute with Experian. They immediately respond that debt XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX2011 indicated the debt is mine. I viewed who the collecter is collecting a debt for and I never attended the school. So to fraudulently hold me for a debt I am not liable for is outrageous. They have had this fraudulent debt on my credit report since 2011 and requesting that it immediately be removed.

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 01/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested my XXXX free credit reports online, and since I could n't answer the questions they gave online, I was instructed to fill out a form and mail it in. I got my XXXX and XXXX reports quickly in the mail, but got a letter from Transunion saying that my current address did not match their records. Since I 've been at this address for four years, and have banking and other accounts at this address, that does n't make a lot of sense to me. However, they are asking that I not only provide my driver 's license, which has my current address and should be enough, they are also asking that I provide them copies of another document such as a cancelled check, bank statement, pay stub, etc. Asking me to provide financial information to prove my address makes no sense to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (WI).
Issue: Trouble during payment process

Complaint: we took out a mortgage with XXXX XXXX back in XXXX. We never took any money from the HELOC. Now we are trying to sell our home but the title search found the mortgage was never released. We contacted Chase Bank who " took over '' bank one weeks before the original closing date of XXXX/XXXX/XXXX. No one was able or willing to help us. Finally on XXXX we signed an affidavit of payment in front of a notary saying the account was never used, the balance we XXXX, and we request a release of lien/satisfaction of mortgage on the home. To date, the title company does not see the recorded release. They would even be good with seeing a copy of the release chase plans to send to XXXX county wi register of deeds. My last contact at chase was XXXX, at XXXX, ref case number XXXX. But the title company and myself have been calling her for the last week and it goes right to voicemail. We are not looking at another delay in the closing date because a month was n't enough time to get this release drafted and to the courthouse. The title company did say this might take a week or two but not a month plus.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am aware of this bill. No time or opportunity to validate the debt. Damaging my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I paid off the balance on my tjxrewards card and also have it on autopay. Your confirmation says that it will take 48 hours to reflect on your account. In five days it still did not show and my available balance did not change. I called and they said because it was an unusual payments I would have to wait 5 more days. So you get penalized for paying your bill & website confirmation is a lie it may take 10days for a payment to show. I paid from my regular bank account that I have had for years

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 03-08-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Trouble during payment process

Complaint: I called Wells Fargo Home Mortgage on Thursday XX/XX/2018 because Wells Fargo had charged me {$1700.00} for home owners insurance. I explained that I did have home owners insurance. The representative insisted that I had to get my insurance policy reinstated or I would be charged the fee to get my house insured. I gave the rep the name of my home insurance company name, policy number and amount that I paid. The rep said I would have to reinstate my policy and hung up the telephone.

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 12/28/2015 about Debt collection (Medical) with Receivables Management Partners, LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I received a alert on my credit file of a medical collection from a company named Collection Associates for a XXXX XXXX Hospital. There are XXXX separate collections on my report from them XXXX in the amount of {$210.00} XXXX in the amount of {$370.00}. I did not think I owed any money to them so I called them. They asked for my social security number and name. The representative said I have NO record of you owing us any money. I said well can you remove the XXXX collections from my report she said nothing she can do because she has no record of me owing any money. So i called my bankruptcy attorney he said to give you guys a call to resolve this issue ...

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I called the customer hotline on Thursday ; XX/XX/2017. I paid off 50 % of the total debt with the credit card company. I mentioned that the reason I was in excess debt was that I had financial hardship in XX/XX/2017 for losing my job and I was also injured in car accident that made it difficult to work certain jobs. Now that I am working a lot more, my goal at the moment is to completely pay off the debt, but my interest is high and the payments are very high as well. I asked if they can lower my interest rate and payments so that I can pay off my debt with them but the representative said that they will not help me in this matter and to just pay more per month to finish paying the debt off. My previous statement I owed {$5500.00} and now I only owe {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is not my debt. I have reported it to XXXX and XXXX and they will not remove it. THIS WAS LISTED ON MY REPORT IN THE PAST FEW YEARS WITH A DIFFERENT COLLECTION COMPANY AND A DIFFERENT HOME ADDRESS. I HAVE NEVER HAD A DEBT WITH XXXX. This is fraudulent. I have never been contacted by XXXX OR THIS COMPANY. I did not request or use any services from this provider. I have no idea why this is on my report. EVERY FEW YEARS IT APPEARS AGAIN, I COMPLAIN FOR MONTHS TO EVERY AGENCY WRITE NUMEROUS LETTERS ; THEN IT GOES AWAY FOR A FEW MONTHS AND COMES BACK AGAIN WITH ANOTHER COLLECTION COMPANY. I want this permanently removed.This is creating damage to my good name. PLEASE REMOVE IT AND CHARGE THIS COMPANY ACCORDINGLY I do not use XXXX services now and I have never had this serviceThe bill list the service started XX/XX/XXXX. I have no knowledge and I have never used it. 
SOUTHWEST CREDIT SYSTEMSAddress:XXXX , TX XXXX ( XXXX ) XXXX Account Number:XXXXOriginal Creditor : XXXXTAddress Identification Number:XXXXStatus : Collection account. {$150.00} past due as of XX/XX/XXXX. 

Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XX/XX/XXXX. 
Date Opened:XXXX/XXXXReported Since:XXXX/XXXXDate of Status:XXXX/XXXXLast Reported:XXXX/XXXX Type : CollectionTerms:XXXX MonthsMonthly Payment : $ XXXXResponsibility : IndividualCredit Limit/Original Amount : $ XXXXHigh Balance : NARecent Balance : $ XXXXRecent Payment : {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (IL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: An account for {$2000.00} was open with TJMaxx Master Card and {$1800.00} with Walmart fraudulently and never opened by me there after the accounts were used and paid and used and had returned payments and used paid again and payments return I have reached out to providers several times

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 09/28/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Credit line increase/decrease

Complaint: I have paid my bills on time and have a good relationship with my creditors. However, my new Dicks Sporting Goods Credit Card issued by Synchrony Bank lowered my available credit by XXXX % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit 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 explanation