milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2017 about Mortgage (FHA mortgage) with GUILD MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2017, I had made a mortgage loan payment to Guild online in the amount of {$1400.00}. And I always pay online to avoid the phone payment fee. I received email confirmation when it was submitted and processed and when it is posted as usual. A few days later, I checked my bank account, and discovered there was another loan payment made by phone to guild mortgage, but the amount was XXXX ... after talking to my husband, he and I both know neither of us made this payment on XX/XX/XXXX by phone. I called Guild and they said it was a phone payment but could not or would not tell me who called to make payment or what phone number called in pmt. They were quick to tell me they would refund the XXXX and that I just needed to send email to XXXXXXXXXXXX. so, I did and sent proof where is showed unauthorized payment on my bank statement. Now today, they sent me an email stating the below : From : Customer Service XXXXXXXXXXXX Date : XX/XX/2017 XXXX ( GMT-XXXX ) To : XXXX ; XXXXXXXXXXXX Subject : Re : Loan no. XXXX - refund for duplicate payment not authorized by customer on XX/XX/2017 XXXX morning, A refund has been submitted for {$1400.00} for the duplicate payment that was made. Once the refund has been processed, the check will be sent XXXX O/N to the property address ( probably be sent out on Monday XX/XX/XXXX ). The overdraft fees will not be reimbursed as both payments were made by someone who had access to your personal Guild Mortgage account information. This is not an error by Guild Mortgage Company. Please call Customer Service at the number below if you have any additional questions or concerns. Thank you! 


Sincerely, CustomerService Guild Mortgage Company Telephone : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX www.guildmortgage.com Company XXXX # XXXX Equal Housing On Thu, XX/XX/2017 at XXXX, XXXXXXXXXXXX wrote : Please refund the loan payment not authorized by customer made on XX/XX/2017. See attached bank statement showing duplicate pmt. Only authorized pmt was made on XX/XX/2017 in the amount of XXXX made online .... would like to know who tried making payment on XX/XX/2017. Also would like to be reimbursed for bank overdraft charges in the amount of {$100.00} since this was error on Guild mortgage part. 

Thank you, XXXX XXXX XXXX I do n't feel this matter is being handled in the proper manner and I would still like to know who called in payment and what number they called from. This is very serious and has handicapped my family in more ways than one. I need answers. This seems like fraud to me as well as my bank, XXXX. 

Thank you for your help. 

Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My house loan conditions, under the loan modification agreement with GMAC Mortgage in XX/XX/XXXX, are such that the payments would increase by 1 % each year until XX/XX/XXXX, at which point the interest rate would be fixed at 5.05 %. When the payment amount needed to be increased, I was notified. On XX/XX/XXXX, I was notified by GMAC Mortgage that the interest rate would go up to 2 % ; and the payment amount would increase. The loan was first under GMAC Mortgage, and then it was transferred under Ocwen Loan Servicing , LLC on XX/XX/XXXX. 


After the transfer in XX/XX/XXXX, I was notified by Ocwen on XX/XX/XXXX that the interest rate would go up with an increased payment amount. After a few months, Ocwen stopped sending me the statements with the payment amount : this was done without my agreement. In other words, they stopped sending me any form of billing statements ( neither paper nor online ). 


In XX/XX/XXXX, Ocwen did not send a notification of the new payment amount under the new interest rate ; as a result, I continued to make the payments under the old amount. Later, I received a letter which showed that I did not pay the full amount for the recent months and that I accumulated a debt. When I called Ocwen for an explanation, I was informed that they could not send me billing statements or notify me of the increased payment amount because I was still under bankruptcy. 
This does not make sense since in XX/XX/XXXX, even under bankruptcy, I was notified when the payment amount needed to be increased. Ocwen is now demanding that I pay the full debt amount acquired during these months and did not accept my last payment. As a result, Ocwen is threatening foreclosure if I am unable to pay the full amount all at once. It seems to me that Ocwen is doing the best that they can to get a hold of the property.

Company response to consumer: Closed
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Problem with customer service

Complaint: I spoke with customer service and they would not help and take care of the negative inquiries 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 08/24/2017 about Debt collection (Medical debt) with Richland Holdings, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not owe on any medical bills nor have any medical bills recently this is inaccurate and false information

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 08/28/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Re : case # XXXX : XXXX complaint is in response to the above loan. I have previously registered a complaint in regards to this issue. As a result I only received a refund of {$1100.00} instead of $ XXXXThe money was kept for XXXX months and they only paid the refund after the complaint was made. 
PennyMac stated they have applied the balance to my escrow account. They can not do that and they had to refund my whole amount. On the other hand they have increased my monthly payments saying that there is a shortage of escrow. Kindly look into this and help us out.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Transaction issue

Complaint: XXXX canceled her XXXX account with XXXX XX/XX/2016. XXXX continued to collect money from her using automatic bill pay ; even though she cancelled, returned the equipment, cancelled the contract, paid off the contract. 
XXXX billed for services not rendered. XX/XX/2016, XX/XX/2016, XX/XX/2016 
There was no XXXX equipment at her house, it had been returned in XX/XX/2016

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/XXXX I contacted Chase Bank and inquired about the status of my accounts. Upon being transferred to a XXXX at Chase Bank Card Services, I was informed that my accounts where closed because I was not using that account as intended. When I asked to elaborate, her reply was that my account was closed because I have added and removed authorized users and that Chase assumed that because of this I was not using the account as intend. I asked her how and who assumed this? She would not give further information and just stated that I will receive a letter in the mail. I asked her how can they just close my accounts when in fact I have had these account sine XXXX and never had a issue? I informed her that I was following the instructions given to me when I called in the past. As matter of a fact they said that I can have as many authorized users as I want. Even when I explained this she plainly fail to regard me and just blew off as if that 's it and moved on. Chase never gave me instructions and ways of how to use the authorzied user program. They just said that I could add and remove as many as I want. I requested to speak to a supervisor and she refused to transfer me and stated that there was n't any supervisor on the floor. That I will get a call from them. I instructed her that I was filing a complaint with the CFPB and that I was reporting the ill action.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I applied for Citigold XX/XX/XXXX and was told I would receive XXXX XXXX bonus miles after I met some purchasing requirements. So I met the requirements in XX/XX/XXXX, and was told miles would post by XX/XX/XXXX. XXXX did n't post, investigation started was told I was n't targeted. I had Citi open another investigation, but it was denied again. I think it is not fair, since Citi should tell me the result when I open the account. Thanks for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have items on my credit report that exceed the 7 year mark and need to be removed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (HI).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: On  XXXX  I revived a letter from c apital one fr om a   XXXX   XXXX   therating me for closing of my account because of my behavior but no where on 'this letter they say they violated my civil rights an d American with disabilities act law.w  ow I 'm in  real shock can you please get me to the president or Vice President of c apital one and tha t 's all I would like to talk to about all these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I requested that Midland Funding validate this debt and they have chosen not to respond nor validate the debt that they are reporting to the credit reporting bureaus. The claim from Midland Funding has been disputed 3 times XXXX, XXXX and XXXX via certified mail and is invalidated. Midland Funding is a third party debt collector that I do not owe any funds to them under the law, they have violated 15 USC 1692g S809.
Midland Funding LLC has failed to provide me with competent evidence that I have any legal obligation to pay them and/or provide me with copies of any papers that show I agreed to pay what they say I owe. I sent it certified mail and the last time, I told them I would file with CFBP and seek legal counsel. At no time have they provided any proof of the debt nor any proof with my signature to agreement of paying for any product or service from Midland Funding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended XXXX school at the University XXXX XX/XX/XXXX-XX/XX/XXXX. I was not able to work because of XXXX. We filed bankruptcy in XX/XX/XXXX. We entered into a stipulated judgement on XX/XX/XXXX. The XXXX student load debt at that time was XXXX. The XXXX student loan was {$46000.00} at that time. In the agreement, I was to pay XXXX {$55000.00} without interest. I was to pay XXXX {$21000.00} without interest. The loans were sold and I continued paying on them. The XXXX loan was paid in full in XX/XX/XXXX. I just received the paperwork documenting that the XXXX loan was paid in full XX/XX/XXXX. During the last two years Navient revived the original loans INCLUDING INTEREST in the amount of {$310000.00} with 8 % interest two years ago. They show a consolidation in XX/XX/XXXX that does not exist. Even if Navient acquired these loans as a holder in due course, they could not acquire rights beyond the settlement amount of the settlement. In addition, I paid the loans as billed by the companies they were sold to. I am XXXX years old and working at a XXXX ; I make {$XXXX} per year ; my husband makes {$XXXX}. I have no assets. There is no way I can pay for these loans again, nor should I have to. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I switched over my loans to Naviant, it being involved w/ the Department of Education I thought it was safe. I am now getting charged a much higher interest rate than what it is supposed to be at this present day. I was told that I am paying the interest rate of what it was at the time I got my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report has information that is not mine. Social Security number ending in XXXX is not mine nor my Spouse 's Social Security number. My wife 's Social Security ends with XXXX, her name is XXXX XXXX, NOT XXXX. My wife 's D.O.B. is XX/XX/XXXX. We were married on XX/XX/XXXX. 

Also, we never resided at XXXX XXXX XXXX, XXXX, FL XXXXXXXXPlease remove " XXXX '' and her Social Security number ending in XXXX from my credit report. Please input my wife as XXXX and her last XXXX number of her Social Security # as XXXX. Please remove XXXX XXXX XXXX XXXX, FL as an address of mine. I never resided there. 

Please contact me directly should you have any questions at:XXXX, FL XXXX-XXXXThank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-01-2017 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Privacy

Complaint: Shortly after Synchrony Bank approved me for a JC Penny Card, with a {$500.00} credit line, and an upgrade to the JC Penny Gold card Synchrony Bank notified me in writing that they have XX/XX/2016 that they have lowered my credit line to {$100.00} Currently as of XX/XX/2016 Synchrony Bank is being sued for these deceptive credit card practices, and in my case Synchrony Bank lured me in using the hook and bait method by even upgrading me to the JC Penny Gold Card still only {$500.00} credit line that got reduced to a {$100.00} credit line because they found my credit score was low. My credit score was not checked before they even issued me the plain JC Penny charge card Synchrony Bank has been doing this practice of issuing JC Penny cards than lowering someone 's credit score, even to their own employees as I was told it was done to a JC Penny employee at the JC Penny XXXX Mall. I would think this is not only deceptive but also illegal. Should I have a case an Attorney sees my complaint please contact me immediately as I would definitely go after a lawsuit against Synchrony Bank because it seems they purposely issue JC Penny charge cards and upgrade the charge cards shortly just to ruin their consumers credit. Synchrony Bank needs to be punished like GE Capital was pay hefty fines so they no longer can exist in business and the Synchrony Bank employees be put in Federal State Prison for XXXX or more years. 
My second desired settlement is to give me the higher numbers back on my credit score. And remove information that does not even apply to me like living in XXXX NJ

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 06-12-2017 about Debt collection (Other debt) with Collection Bureau of the Hudson Valley, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company had send bills and other documents. I  have request information from regarding Financial Aid that should have cover this balance. The company has closed this debt and did not remove it off my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple unsolicited hard inquiries I want removed from XXXX by a company called Clarity Services Inc. a Finance Reseller ran hard inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have no idea who did this it is illegal. Their address is XXXX XXXX XXXX XXXX FL XXXX Please remove the offending inquiries off my credit report. 

Also the company XXXX has made multiple unsolicited hard inquiries through an illegal online source. I want them removed from all three reports, I have contacted them and the credit companies XXXX, XXXX and XXXX. 

Today XXXX illegally did it again to my credit. Please remove all XXXX hard inquiries. 

Almost all of the inquiries made on my report are a result of online reselling of information. I am working to have 15 known illegal inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (Payday loan) with Premier Recovery Group (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Several debt collectors have repeatedly called me, my family, and friends in several states with calls at all hours. They are referencing payday loans from XXXX and XXXX. When I moved to XXXX for a new job, I did take out several payday loans for {$250.00} to {$500.00}, but those were settled between XXXX and XXXX. The collection calls started in approximately XXXX of XXXX. The have repeated called relatives, me, and disturbed a very ill friend in XXXX XXXX, XXXX at all hours which has been upsetting to all of us. 
The most frustrating fact is that none of the firms will share any information about the debt - when it originated, when I supposedly missed the payments, and what I owe now. 
XXXX firm asked for {$400.00} as a " restitution payment '' to settle XXXX debts and another asked for {$1500.00}. Again, no details are given. 
The loans were taken out online - and I 've never been contacted by email regarding a delinquency. 
The firms that have incessantly called me, my family, and friends across the US are : XXXX, Premier Recovery Group, XXXX XXXX XXXX, XXXX XXXX, and XXXX. 
The allegations are : " Theft by Deception '' and " Malicious efforts to defraud a financial institution. '' What 's ironic is that I work for a major XXXX and the staff here are advising me that this could be fraud, since no details are provided.

Company response to consumer: Closed
Consumer complaint received 11/25/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Fed Loan Servicing began to furnish my student loans at the end of XXXX 2013, so my payment with them should have started in XXXX 2013. They are reporting that as of XXXX 2013 my payments to THEM were 180 days late, they also reported the same in XXXX 2013. As of XXXX XXXX 2013 Fed Loan Servicing my accounts for a total of 36 days and on XXXX XXXX 2013 the total was 67 days, since they had only held my accounts for that amount of time its impossible for my loan payment to THEM to be 180 days late. I was also granted a forbearance from them to cover the months I have listed here. The argument they give is that the forbearance was granted to bring my account in good standing and that the information that was reported to the credit bureaus will stay on my report because it had been reported before my forbearance was granted. They said that the late payments wont be removed regardless of the forbearance because it was reported accurately at the time. Which brings me back to the beginning, how is it possible for a company that had only been servicing my loans for 37 days report that I was late making payments to THEM by 180 days on 2 separate months. Its mathematically impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
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: All three of these companies would not remove erroneous items from my account, namely XXXX ( not mine ), XXXX ( fraud apartment complex that kept my lease active after I gave them my XXXX  XXXX signed by my XXXX ), and XXXX ( not mine ). After a year of writing letters and filing disputes, the completely unhelpful call centers that are on entirely different continents, kept telling me that they are only a reporting agency. I was baffled by this! I 'm here to report that all three of the credit bureaus are ran by child predators! It might not be true, but that 's what I 'm reporting.

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