milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage servicer  XXXX  Mortgage provided inaccurate account information to my mortgage insurance company resulting in a warning letter that my mortgage insurance would be cancelled. According to federal mortgage servicing law, the mortgage servicer must make timely payments so the aforementioned does n't happen. Due to this error there are potential monetary penalties that could be imposed as well as the possibility that the insurer will not renew my policy when it comes up for renewal due to the error committed by Freedom Mortgage. I am now considering legal action for direct, indirect and consequential damages.

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 08/19/2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Late fee

Complaint: I received my Citi Double Cash credit card statement for the month of XXXX which included a late fee of {$25.00} for a payment they indicated they received on XXXX. My payment was due XXXX. My automatic bank withdraw was made on XXXX and my bank statement indicated the payment was received and cleared by the Citi on XXXX. Citi did not post my payment until XXXX, one day after the due date, and attempted to charge me the {$25.00} late fee. It took me at least XXXX minutes of arguing with a Citi supervisor who was anything but helpful to resolve this matter. I feel they have been dishonest and hoped I would not notice the fee and/or not bother to complain about it. How many other people have had this experience?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX XXXX I contancted Experian, XXXX and XXXX. to remove comments regarding a dispute. I went on record to remove the comments that I was disputing. Because I was trying to refinance my home the comments where affecting me in obtaining a loan. XXXX and XXXX removed them immediately. Experian said they had to get ahold of the person who I was disputing an ambulance bill that was not mine but my husbands. Experian said I had to wait 30 days. I was very angry but waited the 30 days then they said they could not remove the comments because the collection agency said not to remove them. The comments where that I was disputing this item. the comments came from me. How can a third party tell Experian what to do with comments I generated. till today XXXX XXXX they do not want to remove the comment that says I am disputing that claim.

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 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: THIS IS NOT MY DEBTDear XXXX, Dear Billing Dept Manager, I am writing this letter to confirmed that this is not my debt. And stop contacting me. 
I do not have any responsibility for the debt but you 're trying to collect. And you did send to RPM Collector. 
I am very upset to received this notice from you and RPM Collector LLC. 
I have paid on XXXX/XXXX/2015 with total {$100.00} by my credit card XXXX at XXXX XXXX XXXX # XXXX XXXX, XXXX, CT XXXX. ( Reference receipt ). After 7 days I have received XXXX more bills, I did call to Customer Service to make sure, and the teller told me " you paid already ''. Later a week, I am still received XXXX bill and RPM Notice on XXXX/XXXX/2015. 
And I did send the letter to answer about this debt at RPM on XXXX/XXXX/2015 but I am still received another letter to collect money from RPM again on XXXX/XXXX/2015. 
So I need you have to verify with your Billing department 's XXXX about this problem. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. 
If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. 
If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your help, Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XXXX XXXX, 2017, Chase Bank, without notification or warning, decided to close all of my credit card accounts. I asked why, and they said it was due to past due accounts and for too many inquiries. I never had a past due account, always paid off my balances, and never had a late payment. I applied for credit cards, and was approved for every card I applied for. I never had a single issue with Chase Bank, and so I do n't know why they would decide I 'm a risk and close all of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Capitalone ha s been making harassing calls to my work numbers,  XXXX ,  XXXX , looking for a person with the same or similar name. I do not have any accounts with  Capitalone.  The most recent call was received on Friday,  XXXX , looking for a  XXXX   XXXX  on a recorded line. I do not speak with anyone on any recorded line, especially a wrong number. The person calling was told its a wrong number and he insisted he knows the person works here, which he does not as he did not verify he even had the correct  XXXX   XXXX . Any future calls will be forwarded to security as harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a warranty for my home thru Owen. I paid the XXXX every month with my mortgage payment. For some odd reason my mortgage payment was reduced XX/XX/XXXX - XX/XX/2015, unbeknownst to me they stop paying the warranty company and the contract was cancelled XX/XX/2015. XX/XX/2015 my mortgage increased again and the XXXX warranty fee was included on my mortgage statement. My question is how can they stop & start the warranty fee and not notify me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Taking out the loan or lease

Complaint: I applied for a new Care Credit/Synchrony Bank credit card on XX/XX/2016. I applied on the phone, in the XXXX and was approved for {$11000.00} ( exact amount of XXXX work ). I was told I would be receiving the paperwork and bill in the mail. I received the paperwork and 1st bill in late XXXX which showed I was charged an interest charge of {$81.00}. I called their XXXX # and asked why I was charge interest on a bill I had not yet received. I had just opened the account and before I received any paperwork, they charge me interest. Plus, I looked at my credit score information and it showed this account to be over it 's limit - before I ever received a bill. I was told by the XXXX # that, 'it 's unfortunate that the {$81.00} was n't paid by the due date. ' And, 'Just because it 's on a credit site, we did n't indicate it as a negative comment on your 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 monetary relief
Consumer complaint received 09/19/2017 about Debt collection (I do not know) with Weinberg Mediation Group LLC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Representatives from Weinberg Mediation have continuously called my work number leaving this message on my voicemail. I have told them before not to call me at my place of employment. They continue to call. 

I received this message today ( XX/XX/2017 @ XXXX ). 
This is a final courtesy call from the Weinberg mediation group. Before reporting that you 've been uncooperative in the investigation against you. If we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Again that 's XXXX. Thank you. Good day ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Consumer Loan (Title loan) with Reliant Financial Corporation (CA).
Issue: Charged fees or interest I didn't expect

Complaint: Payments sent each month to vendor : XXXX XXXX to XXXX XXXX XXXX, XXXX, CA XXXX before date ( due XXXX of month, sent by XXXX of month ). In XXXX no billing, telephone call 1 week later of no payment ( said mail returned - I do not believe ) sent Post Office Money Order same day Priority 1 day mail with tracking. Call today money not received - late fee is now applicable ) Checked USPS tracking : Money Order delivered XXXX Post Office Friday XXXX XXXX, 2016 at XXXX. Telephoned back Worker argued not there therefore what do you want me to do? Asked me to call back in 3 days. Explained tracking has money order there and I am NOT responsible for when they pick up mail. Asked for Supervisor who took tracking number, money order serial number and amount and said she would reverse late charge. I am afraid they will continue to do this to accrue late charges and late fees for saying that they did not receive payments. I send money orders because they are a shady group and do not want to give access of checking account. No online access, and interest rate at 95 %. Trying to pay off asap. I believe they are cheating people giving late fees because they fail to pick up mail.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was not notified in writing of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This complaint is because Experian has ignored my request to provided me with the documents that their company has on file that was used to verified the accounts I disputed. They have gone past the 30 days and ca n't verify these accounts.Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly delete all information which can not be verified '' that I have disputed. I need this issue resolved as soon as possible. 
Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Problem when making payments

Complaint: This company charged off/sent my account to an attorney in XXXX of XXXX.. I received a letter from the attorney approx XXXX XXXX XXXX. I immediately called cash call because I was on a settlement plan and I made the XXXX XXXX payment the end of XXXX, I had to go back and forth with them for almost 2 weeks and submit proof pf payment etc ... finally on XXXX XXXX XXXX they claim that they got the account back from the attorney and I could start payments again. I got an email from them on XXXX XXXX at approx XXXX XXXX. This was XXXX. and It was a Saturday. I made the payment XXXX XXXX which was a Sunday and I thought we were starting payments from that point. I have been faithfully making payments ever month since then. I pay via money gram and I pay {$6.00}. In XXXX XXXX I happen to call and they said my account was charged off ... I said they was impossible and that was a mistake. I thought it was the same mistake from XXXX XXXX and that the rep was confused of they never fixed the mistake. So she said she saw the problem and it would be resolved ... I never heard anything since then I 've just been making payments every month. I pulled my credit report and it stated that the account was charged off ... I called because I was so shocked ... .Again I have been making payments faithfully every single month hoping to try to avoid charge off and bankruptcy only to find out this company has charged off my account off and I have been making payments faithfully ... They claim that when they talked to me on XXXX XXXX in the evening that I was told I had to make the payment that day ... Again this was Saturday and XXXX evening ... So they payment was made in less than 24 hrs and they are claiming that because of that the account was charged off ... remember they have been taking payments monthly and I have never received anything in writing stating the account was charged off ... They are taking advantage of me and paying games.. They are a predatory lender and I need some help please. They know that I have has some financial problems so they are taking advantage of me ... Please help I am so stressed out and do n't know what to do.Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I inadvertently discover that B of A has " misplaced '' my heloc payments on 4 different occasions. They were eventually " found '' after several months, however, the math in calculations is suspect i.e. when a payment was lost, I was charged interest and when the payment was found, I was charged interest again. 
I have been trying to resolve this problem for 2 months and all I get are promises from the " official '' at the branch office. I have a very documented journal of what has transpired, as well as bank statements proofing my concerns..

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: One morning I woke to find every bit of my private/personal financial situation was hacked from Equifax and now made vulnerable to identity thieves because of Equifax. I am now permanently, for the rest of my like, a potential victim of identity theft at MY expense, regardless of the fact that I have diligently guarded MY private information (SSN, debt, address, etc) on MY end, (safe web browsing practices) for as long as I have been on the internet and used banking/financial services. My information was never publicly available until the occurrence of this breach, and I am incredibly angry because I've never consented to any of this information being retained and freely floated around for hackers to simply steal.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Checking or savings account (Checking account) with ZIONS BANCORPORATION (NV).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: In XX/XX/XXXXmy wife and I obtained a divorce. I have three accounts with XXXX XXXX XXXX ( Personal Account - XXXX  ( jointly with wife ) ; XXXX XXXX Account -  XXXX  ( wife not on account ) and XXXX XXXX XXXX   Account - XXXX ( wife not on account ). In XX/XX/XXXX, I had my ex-wife removed from my Personal account. Because my ex-wife had on-line access to all of my accounts, she was able to make unauthorized on-line withdrawals from all three of my accounts to pay for her XXXX Credit Card ( XXXX XXXX ). XXXX XXXX XXXX  in XX/XX/XXXX processed a withdrawal for XXXX XXXX   in the amount of {$15000.00} and on the next day XXXX XXXX XXXX reversed the unauthorized on-line withdrawal for the same amount because my ex-wife had been removed from my Personal Account - XXXX. Then in XX/XX/XXXX andXX/XX/XXXX, XXXX XXXX XXXX processed unauthorized bank withdrawals to XXXX XXXX  in the amount of {$15000.00} from Account XXXX. From XX/XX/XXXX toXX/XX/XXXX XXXX XXXX XXXX  allowed unauthorized withdrawals to XXXX XXXX in the amount of {$310000.00} from my XXXX XXXX  Account - 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 10-06-2016 about Debt collection (Credit card) with Hatfield Portfolio Group LLC. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Complaint issued on XX/XX/2016 ( Case number XXXX ) regarding XXXX and XXXX. On XX/XX/2016 two online payments for XX/XX/XXXX and XX/XX/XXXX were cleared from XXXX. XXXX XXXX XXXX XXXX CA XXXX. No phone contact available nor written statement of balance issued. XX/XX/2016 Received phone call from Hatfield Portfolio Group citing file # XXXX, No written correspondence indicating change from XXXX and XXXX. XXXX receives poor rating with XXXX. Please advise.

Company response to consumer: Untimely response
Consumer complaint received 05/23/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX   XXXX ,  2017 a nd  XXXX   XXXX ,  2017, a let ter for validation of debt  and HIPAA V iolation was sent to Central Financial Control. The amount presumably owed {$600.00}. The letters asked for a breakdown of fees, copy of my signature from the provider stating the release of detailed medical information to them and to cease any credit bureau reporting until debt was validated by me. As of  XXXX   XXXX ,  2017, I  was provided by Central Financial Control and itemized statement that included all procedures, NOT CODED, which were performed including  XXXX ,  XXXX ,  XXXX   XXXX  and drugs administered. Which is a violation of t he HIPAA Act. I  was never provided a statement from the original creditor that would allow the release of medical information to central financial control. I had never received a bill from the original creditor nor central financial control. I have asked that the presumable debt be deleted from all  XXXX  CRAs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with BOK FINANCIAL CORP (FL).
Issue: Application, originator, mortgage broker

Complaint: We started the refinance application process in XXXX XXXX 2015 through XXXX XXXX /Bank of Oklahoma XXXX . All moved along with positive feedback and we were told that the mortgage should be approved without an issue the week after everything that was required was received and reviewed. The following week, last week of XXXX, we were informed that the underwriters do not believe the appraisal that they set up because it was a high value in the state of Florida. We asked to borrow not even half of the appraised value. We are informed that the reason that our mortgage is not approved is because they did not believe the appraisal. We feel that XXXX XXXX / Bank of Oklahoma XXXX has nothing to base this rejection on and they are discriminating against Florida residents. We wasted time and money going through this process all because the companies underwriters do not believe their own appraisal. We do not understand the risk involved and nobody can explain it to us, the unapproved loan on an amount less than 50 % of value does not make sense. Not one person has been able to explain the risk involved for the loan amount requested on this property. We were only told that the appraisal is too high and they will not approve it. We must start the entire process over with another Mortgage Lender. If they have an issue with Florida they should be up front and disclose their Florida State paranoia and have us go to a mortgage lender who does not discriminate against residents of the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt was originated in XXXX 2007. No payment was made on this account or towards this debt. The statute of limitations to report this debt to the credit bureaus has passed. A debt buyer purchased this debt and despite my requests for proof of last payment, and my disputes directly to the XXXX major credit reporting agencies, it still is being reported. The debtor buyer is LVNV Funding, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that Cavalry Portfolio Service to provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX of nc at the time of the incident. They should have covered all remaining bills. I have paid XXXX bills from the same night. Now this pops up on my credit score a couple years later. I need it resolved. I have paid my part. Thank you.

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