milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We bought our home and it closed escrow on XX/XX/XXXX. The home belong to XXXX it was a bank own property. We got a home loan with XXXX the loan was set with out impounds just paying principal and interest. On XX/XX/XXXX, I received a letter stating that an escrow account had been set up for a loan because some taxes were owed. I called the mortgage company and sent them proof that i am up to date with the taxes and insurance. I found out the taxes were owed by XXXX please see attached tax statement. On XX/XX/XXXX XXXX sold my loan to Loancare who raised my monthly payment from {$1200.00} to almost {$1900.00} raising my payment by {$500.00} a month for taxes and insurance that are up to date. I had XXXX negociate with Loancare, Please see attached documentation all taxes and insurance are up to date and Loancare refuses to remove the unessesary impounds. Loancare has ruin my credit and sent me a letter that my home is in defult. I continue to sent my agreed monthly payment but Loancare delays the payments and make one payment out of two. Please help me I have been diagnosed with XXXX and it is very difficult to continue to fight with the bank. They have acted without any regard for the proof and I keep getting herrasing phone calls and letters. I have not done anything wrong, the back taxes should have been paid at the time we closed escrow. I have kept all the mandated agreement and my account and payments are up to date. Loancare refuses to accept any proof and continues to damage my credit and are treatenning to forclose my home.

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 06-06-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When XXXX XXXX became Navient, 1 ) bills did not arrive in a timely fashion. 2 ) My payments were split between XXXX different loans thus making me short on both 3 ) When I called to inquire, the CS reps & their supervisors were kind but their info was not what I saw on line. 
4 ) The payment addresses for the borrower were never consistent. 5 ) I had tried to pay on line via bill pay & switched to a check in the mail. I was told by a rep the computer decides how to split the payment ( interest, principal, amt due ) so I should make my envelope heavier, pay the extra postage & the computer will XXXX it out so a human has to open it. 6 ) The paper bills that do arrive do not accurately indicate the borrower, loan id number or acct number. 7 ) When I finally get a bill, there is ALWAYS a past due amt and when questioned why a original bill was never generated, no XXXX can answer. 8 ) The bills do not indicate if the loan is federal or private. 9 ) if I print off my statement at Navient.com- I can see which loans are private/federal but when speaking to a rep, they insist the XXXX loans are federal. 10 ) I requested payoff figures for all loans & stopped paying since the payments were NOT being applied to the correct loan. As I tried to apply to another company to transfer the loans, Navient dropped my fico score XXXX points. XXXX ) The calls from XXXX, XXXX, etc.. begin a XXXX, continue all day including my cell at work ( in an XXXX ) and if I do pick up, it is a recording telling me this is XXXX- call another number. if it is a weekend, the office is closed. 12 ) Every individual I speak to I ask that the call be recorded and that I have every intent to pay but Navient has to be accountable to apply my payment to the correct loan. 13 ) When I printed off the payments applied to loans, there is no consistency of what is applied to interest, principal or balance. XXXX ) I have contacted the customer advocate directly & the CEO of Navient. The advocate provided me with payoff figures but can not stop the calls or explain the no bills & past due amounts. My husband & I are salary. He as XXXX XXXX, if he has a XXXX, we need to pay out of XXXX We will not allow navient to tap into out bank account, we expect bills in a timely fashion & we expect Navient to be accountable. The billing/computer system is confusing & vague. It appears to be a purposeful attempt to confuse, over bill, & ruin the credit rating of the customer. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been a Citibank credit card customer for many years, and they are now starting to charge me interest fees on purchases that I pay in full every month. After calling a couple of times, and still not understanding the reason for the fees, I wrote this : " I had called about this, but still do not understand why I am being charged interest on my purchases when I have paid them in full every month. I was told because I still have an amount for balance transfer ( even though it is interest free ), that interest will now be charged on the purchases I have made ... I looked back at previous statements from XXXX & XXXX, and I was never charged this interest as long as I paid my monthly purchases in full, and still had an interest-free balance transfer amount. This makes no sense to me. I have never experienced this with any other credit card ... Please explain this so I understand, and if things have changed from the past, please explain that also. '' This was their response : " The interest shown on your statement is generally called residual, or trailing interest. This is the interest charged against the account balance from the last cycle 's statement date until the date you paid in full. If you paid on your due date, the interest was assessed against the balance that existed on your account for about 25 days. '' There was a promotional offer of 0 % interest on purchases for, I believe it was 18 months. I paid off the entire balance in XXXX XXXX and continued paying all of my purchases in full each month. Then in XXXX of this year, I made a total balance transfer of {$1500.00} with a {$45.00} fee. I paid not only the balance of purchases that month, but also the {$45.00} fee. So the remaining balance was only the {$1500.00} transfer. That is when the interest started, even though I have paid the full amount of purchases each month. See the attached document. This is fraudulent and a scam- '' residual or trailing interest ''? I have NEVER had anything like this on any other credit card. I am not sure if they are trying to recoop losses from 2 % Cash Back on the Double Cash card or the reason for trailing interest. So it makes no sense to use the credit card since the minute you make a purchase, the interest clock starts ticking even if you pay it in full by the due date. This is a scam and it must be stopped. There should be no residual/trailing interest as they call it, it is a deceitful practice, and all they are doing is recouping and making the money lost from 2 % cash back ( 1 % when purchased and 1 % when paid ). It is a deceptive and deceitful scheme, and must be stopped. It is a con and people are being swindled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have contacted Midland Funding regarding a fraudulent account reporting on my credit report that does n't belong to me. I have yet to hear back from them regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I tried to modify my loan to make it more affordable but Chase would not modify my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 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: Account status incorrect

Complaint: There are wrong statuses in my report, I have never paid late these accounts   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 02/15/2018 about Debt collection (Medical debt) with R.M. Galicia, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account is from services that was not given too me but someone using my information.I had State issued Medi-Cal at that time and would not have been billed for any services.I have had State insurance since " 1985 '' and have continued today.I have ask for validation of this debt several times from this company whom has only advised me to contact the original creditor " XXXX XXXX XXXX '' which I have and they seem to be a very dysfunctional organization with little concern or corrective support.This collection company " XXXX XXXX XXXX '' has not been in compliance with FDCRA and I have not been able to get them to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015, I called a company to order flowers named " XXXX '', using my TD Bank debit card. This company signed me up for a monthly club without my consent or even asking me. Since then, I have been getting a charge of {$9.00} a month on my TD Bank account. I cancelled my debit card in XX/XX/XXXX, but somehow the company found a way to keep charging my account. This is tantamount to fraud. 
I have been trying to work with TD Bank since XX/XX/XXXX to dispute these monthly charges on my account, but they have frustrated me at every turn. First they said they would not investigate until I provided a " membership agreement ''. I obviously did not have one, as I never signed up for anything. In the last attempt, I wrote to the home office. They sent me a letter saying that they checked their records, and everything seemed fine, but they would dispute it with the merchant if I responded to their letter with additional information. I responded with this information the day I received the letter. When I called to inquire on the status in XX/XX/XXXX, I was informed that they closed the investigation because I did n't respond quickly enough! Then in early XX/XX/XXXX, I wrote another letter to the home office to complain. In it, I requested they perform an actual, real investigation of these fraudulent charges, and that they close the account. They have not responded to this letter at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: A check written by and drawn on Credit Union in good standing was deposited via Remote Deposit Capture into my Bank of America account. The check is what is known as a " Teller Check '' in the amount of {$2600.00}. A day later, a 10 day hold was placed on my deposit. By law : " The following types of deposits must be made available on the first business day following the banking day of deposit ( " next-day availability '' ) : .... 
7. Cashier 's, certified, or teller 's checks deposited in person to one of your employees and into an account held by a payee of the check. ( Note : If the customer desires next-day availability of funds from these checks, you may require use of a special deposit slip. ) '' - Excerpt on Compliance with Reg CC, Determination of Availability of funds from  www.federalreserve.gov. 

I received a notice that my deposit, made on XXXX XXXX, XXXX in the amount of XXXX on hold and would not be available until XXXX XXXX, XXXX. The reason for hold given is " A hold was placed on your check ( s ) because check specific information indicates item may be returned ''. 

I believe this to be an unlawful hold. I have called the bank ( who is really a 3rd party organization who tells me they make these decisions for the bank ) to determine what reason they had to believe the check may be returned. They would not or could not give me a reason for what the indications were that the item may be returned, but repeatedly told me they could release the hold because of this 'reason '. They also repeatedly stated that they would provide me with the details after 'processing ' was complete. 

This is not the first check of this type that they have cleared through my bank. Holding checks because of indications that it may be returned, when in fact, the check has probably already cleared, is all but an excuse for the bank holding my funds ( and who knows how many others ) allowing BofA to make money off of the 'float '. This is, as I see it a misappropriation of Regulation CC " Reasonable Doubt '' rules for Exception check holds.

There is no reasonable cause for 'doubt ' as a ) the check is dated XXXX/XXXX/XXXX, so is neither postdated, nor staledated, nor has the institution declined to honor the check the bank is refusing to provide any evidence that " the existence of facts would cause a well-grounded belief in the mind of a reasonable person '' that the check is uncollectible, as the regulation declares a requirement for this type of hold. Also noted in this rule is the statement that the reason for your belief that the check is uncollectible must be included in your notice to the customer. This has not been done and is a very clear violation of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (VA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint: EQUIFAX loss of Personally Identifiable Information ( PII ) through a cyber security breach as reported by the Company in XXXX XXXX, although by their own investigation, information theft occurred over a period of three months ( XXXX XXXX XXXX. Equifax never notified me personally that my information was included in the data that was stolen from their safekeeping. I am a Military XXXX and currently an XXXX XXXX working for an XXXX XXXX in XXXX XXXX and my unit provided us the method to confirm on an individual basis the loss of our PII by Equifax. I want it documented that I checked my status using Equifax provided web site and received a positive result, which indicates loss of personal information through by their negligence, and the fact that they delayed announcing the data loss after their investigation ended in XXXX until first week of XXXX, which provided up to 90 days for someone to use my personal information to conduct identify theft related activity should be a crime. Equifax initially established a web site where affected consumers could log in and enroll in credit monitoring but had to indemnify Equifax from future arbitration or civil actions. Their current web page now specifically excludes THIS breach that put 143 million Americans information into the hands of people that have no business having it. There must have been significant pushback by angry individuals for them to specifically address this single topic on their web page. This Equifax breach is now the third time I have been part of a larger group of people that have had their personal information exposed without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Consumer Loan (Installment loan) with DLC, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I have had difficulty with this account. While I was traveling XXXX, I could not answer their calls. 

The company called my employer to verify my employment. This caused me significant embarrassment given that the company had already verified my employment. I signed a release to this effect but assumed it was for the purpose of verifying my eligibility for the original loan. 

I have asked the company to stop calling me. I have asked the company verbally and in writing. The contacting of my employer a second time makes me feel harassed and intimidated. The only reason I did not call them back was because I was traveling XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Complaint : A US Bank customer service rep directed unfair and derogatory states to me during a phone conversation. Her statement, " The payment you made to your credit card is on hold, because XXXX XXXX can be done this way. '' Facts : On XX/XX/2018, I made a payment of {$13000.00}, to payoff the balance of my US Bank credit card account ending in # XXXX. This transaction was done on the phone, facilitated by an account specialist. She transferred the amount from my US Banking checking account to pay off the balance. ( Those funds came from my external XXXX XXXX investment account which was already held for three days and funds were now available to use ) She said the payoff balance was paid in full. 

On the morning of XX/XX/2018, I checked the account online and I noticed the available credit was only {$1100.00} for an account with a credit limit of {$13000.00} that had been paid off in full. I called to speak to a US Bank customer service at approximately XXXX am to get clarification. After a few minutes of conversation and investigation she informed me that, there is a hold on the account because my transaction was out of the norm for my account. I explained to her that I did not think it was fair and I was not told this would happen when I made the payment. Part of her explanation was, The system flagged the transaction, and that money laundering can be done this way!

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 07-05-2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received another demand lette r, ( {$6400.00} ) th is time from  ARA Inc, for  a debt that was settled ove r three d ecades ago and that is not valid. I periodically receive these letters, and have been unsuccessful in receiving resolution, thus the resurfacing of these demands. I have repeatedly sent written notices disputing the validity of the debt to the various collection agencies, again, to no avail.   XXXX  I have also filed a complaint with the Missouri Attorney General 's office and will be faxing a response to  XXXX   XXXX  a t ARA.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Equifax data breach has negatively affected my credit score score dropped 58 points without reason over night. I have tried multiple numbers to reach them and can not connect to a agent to resolve my issue. This information may adversely affect the mortgage loan process I am in at this time. I want equifax to adjust my file to accurately reflect my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Quite simply, I have nothing but positive information on XXXX of my credit bureau reports ( Transunion ) yet I have a very low rating. I can come up with no reason for this low rating except that this allows any prospective creditor to charge me with the highest fees, interest rates, etc. 

Another credit bureau report, in this case XXXX has XXXX collection item and that XXXX has an even lower rating yet everything else on that XXXX is positive. Unless they 're basing the whole report on XXXX small collection item, then I should have a good rating with them also. 

This is clearly a racket ; these bureaus are in cahoots with creditors or at least their actions benefit only the creditors, certainly not the consumer. Is anything being done about this and can I submit my CBRs to you to use for an example in getting the law changed? These bureaus have way too much power and are clearly taking advantage of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Why did XXXX XXXX ( Credit Agency ), take off the $ XXXX-Dollars, ( for a PARKING FEE LATE CHARGE OF MY VEHICLE ), as I had & was told by my Daughter, that SHE had picked-up HER CAR. ( as I had given my Car to her ). *IN THE PAST I HAD GIVEN MY DAUGHTER XXXX-Other Cars ... .. ( SHE HAD ALWAYS GOT THEM, in the past ). I was in the XXXX, & thus had NO WAY OF KNOWING if in fact the Car had been picked-up by her? 
SHE TOLD ME SHE GOT THE CAR, I HAD GIVEN HER. 
WHY DID XXXX XXXX XXXX XXXX, take this ( XXXX ), off of MY CREDIT REPORT ... ... AND EXPERIAN DID ''NOT ''? 
Thanks, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation