milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2018 about Mortgage (Other type of mortgage) with LoanCare, LLC (MO).
Issue: Trouble during payment process

Complaint: My prior mortgage servicing company, XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) has yet to refund my real estate tax escrow balance, even though they were paid off when I refinanced my mortgage back in XX/XX/XXXX. I closed on my refinance on XX/XX/XXXX, at that time my County real estate taxes were now due and payable, therefore I was required to pay the XX/XX/XXXX tax bill at closing on the refinance through the company I was closing with ( XXXX XXXX XXXX ). At that time, Loan Care also attempted to pay the XX/XX/XXXX tax bill. Since the County received the funds from XXXX XXXX ( company I refinanced with ) first, they did not cash the check received from Loan Care and likely was sent back to them. I called Loan Care twice in XX/XX/XXXX, and twice in XX/XX/XXXX to follow up on my tax escrow refund ( which should be approximately {$2100.00} ), each time I have called they stated they were still working on issuing the refund and that they will have an update soon. Nobody has once tried reaching out to me ( mail or by phone ) to inform me of the status of my refund, I have had to initiate each interaction with Loan Care. I have verified that I had plenty in my escrow balance for them to pay the taxes, there was no shortage in escrow at time of loan payoff by XXXX XXXX. The {$2100.00} is a LOT of money, and is money that is owed to me. Loan Care has no right to hold this money this long, when it was confirmed back in XX/XX/XXXX that the tax bill was already paid by 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 02/16/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Closing on a mortgage

Complaint: I had a home mortage loan with Chase, which was paid off under a Chapter XXXX. Chase, and their servicing company XXXX, tried to over charge me by some {$23000.00}, and contested that the loan was actually paid off by the Bankruptcy trustee. They eventually reneged and acknowledged that I had indeed paid off my loan. They eventually gave me a refund for that over-payment ( {$4800.00} was refunded by Chase, and {$620.00} was refunded by SPS ). Keep in mind that this was MY money, being refunded to me by them, for a fraudulent overcharge. 

Last year, XXXX tried to issue me a IRS Form XXXX for the {$690.00}, and after a huge hassle and complaints to the Texas Department of Savings and Mortage Lending and the CFPB, they later issued me an amended XXXX which was zeroed-out. This year Chase has issued me a XXXX for the {$4800.00}. I called them repeatedly. They first tried to send me to XXXX, who told me that they had not issued the XXXX, and that it was Chase 's problem. After repeated calls, Chase reluctantly agreed to send my issue to Executive Priority Review ( File # XXXX ). I called today, and they are refusing to amend their XXXX, in effect, claiming my refunded money was income from them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Student loan (Non-federal student loan) with GC Services Limited Partnership (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attend XXXX college in XXXX, AL, which GC services has contacted me about several XXXX XXXX loans that was taken out for XXXX College, in XXXX AL. I called XXXX XXXX to resolve this issue several times, every time I speak to someone they advise me to do something different. Each time I did what they ask and got me know where. I was told to contact the XXXX college and asked for Verification as well a financial transcript. The school has no idea what I am talking about and advised me to contact XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Closing on a mortgage

Complaint: wells fargo foreclosed on our home broke the bottom door apartment although we were home up stairs we were supposedly working on modification with themthey claimed i never had a court case case #  XXXX  never had my day in court but did they show up? this should be investiated we sined for PARTIAL PAYMENT PROGRAM WHERE THEY EVER PAID on our behalf from the government? they keep saying what happened as if they are right wheres the investigation? check were sent back because they said it wasnt the full amount of mortgage owed when it was only suppose to be a monthly payment.said we idnt keep in touch i have dates times and names so how can that be. im not giving up on things they said we were working on and then got put out

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 03/21/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Every year I receive a letter showing the " interest '' paid to my Student Loan, so I can deduct it from my taxes. This year they did not send the " interest '' letter, so I wrote to them requesting that they send the " interest '' letter. 
What I received instead was a letter threating to garnish my wages in spite of the fact that I 've made on-time payments since XX/XX/XXXX. 
The bills I received were from US DEPT OF ED - XXXX XXXX XXXX - XXXX XXXX XXXX. 
The threating letter was sent from PIONEER CREDIT RECOVERY - XXXX XXXX XXXX - XXXX XXXX. 
I responded by sending a letter showing the payments made through my bank from XX/XX/XXXX-XX/XX/XXXX 
It 's XXXX XXXX, and I still have not received the " interest '' letter. 
I 'm just waiting to see if they garnish my wages.

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 12-09-2016 about Credit card () with BARCLAYS BANK DELAWARE (TN).
Issue: Convenience checks

Complaint: I Contacted Barclay Bank Credit Card company to report a fraudulent Convenience check associated with my account in the amount of {$4200.00}. I filed a fraud claim and followed through every time they requested payment -- a total of XXXX long phone conversations asking me to be patient with the investigation. In XXXX instance they even sent me a copy of the fraudulent check ( attached ). It has been almost 3 months and I called again after I received another email requesting payment. Barclays claims I did not file a fraud! They say they will file a new fraud claim and are asking me to wait another two weeks before calling again! 
I never requested nor ever used convenience checks from this credit card company.

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 08-05-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I am a customer of Nationstar Mortgage. 
I requested a chain of custody on my deed of trust from them. While incomplete, the documents disclosed a robo signed document dating back to XXXX XXXX & XXXX 2007. It was signed by XXXX, a known robo signer. 
When I brought this fact up to Nationstar they said they take fraud allegations seriously and would investigate. XXXX they denied any wrongdoing. 
They have moved forward with foreclosure proceedings that will take my home I have owned for 11 years. 
I am a XXXX year old man. XXXX VETERAN. 
I seek your assistance in stopping them from taking my home away from me under the 4th Amendment of the Constitution. 
XXXX XXXX XXXX XXXX XXXX. NEVADA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX I purchased a refrigerator, microwave oven and a television from Conn 's Plus Appliances. They delivered the items a week later. Upon delivery I expressed that I did not want them to install the microwave or the television because it was to expensive and I had someone else install the tv. Two days later my husband returned the microwave because it was not the one I originally selected and it was the wrong size and did not fit the inlet space over my stove. They charged me a restocking fee for returning the microwave and have NEVER adjusted my original bill to reflect the deduction for the returned microwave or deducted the charges for the installation of the tv. I payed the monthly bill ( late 2 times ), initially they were harassing me and calling me at work. I asked them not to call me at work and they stopped. XX/XX/XXXX I tried paying the balance off but it is incorrect and I refused to pay the incorrect balance. My payment is due on the XXXX of the month and they call at least 10 times a day for the payment. My husband and I have been to the store and no one is ever there that we can speak with. When they call me at home and I inquire about an adjusted ( corrected ) bill, they say they are transferring me to customer service and the line goes dead. I am at my wits end. I am considering getting a lawyer. I 've tried reaching someone at their home office in Texas, to no avail. I went to their website and it was full of complaints ( I submitted one also ). Please help me get resolution in this matter ASAP! 

Very, very DISGUSTED P.S. My initial monthly payment was late because I was told the first payment was not due till XX/XX/XXXX but it was actually due on XX/XX/XXXX ; I requested my payment date be changed to the XXXX of the month and that was a big hassle also.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT RESOLVE GROUP LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX - repeated calls after informed not to call. Additionally informed the claim is no valid and has been disputed. XXXX threatened to continue calling even though he was asked not to call again. He said he did n't care and would call until he got paid. To date there have been at least XXXX calls from him in the last week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Mortgage (Conventional home mortgage) with LAKEVIEW LOAN SERVICING, LLC (IL).
Issue: Trouble during payment process

Complaint: The company, XXXX or XXXXXXXX XXXX XXXX holds my mortgage. They forced Homeowner 's Insurance on my mortgage. I have supplied them with the documents over 5 times. They will not call me or provide a resolution. I have to call them in order to get a response. When I call them, they tell me we are processing your documents and will call you back. Again, they never call back and now I am stuck with a balloon payment of {$1900.00}

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 05/19/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Advertising and marketing

Complaint: On XXXX XXXX I applied for a Citibank XXXX XXXX XXXX with a XXXX bonus miles award after spending {$3000.00} during the first 3 months I have spend more than {$13000.00} during those 3 months however Citibank refuses to honor the bonus miles award claiming that the promotion is valid for new customers only. 
However there is no indication on the website about that : XXXX I have had a Citibank XXXX Credit Card before but it was cancelled in 2015. 
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
Consumer complaint received 06-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: These inquiries I did n't authorize. I have attached two emails and text proving I did n't authorize the inquiries. 

The following information is part of your credit history and is provided to others. 

XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016

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 04-03-2016 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting XXXX accounts as having reported a negative status. Because of accounts not reporting a payment status. These accounts are reporting current and or Paid in full on time. 
XXXX XXXX : An approved loan for one day only, on the wrong Car. 
XXXX XXXX : The same situation, a one day loan. 
XXXX XXXX : Reporting Status Current, only open two months. 
XXXX XXXX : Reporting Status Current, Paid and closed after 48 months of timely payments.. 
XXXX Credit Card : Reporting Status Current ( Paid off within 12 months to escape credit fees ), account closed by consumer.

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 12/30/2015 about Debt collection (Payday loan) with Second Round Limited Partnership (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Second Round LP, collecting on behalf of XXXX XXXX XXXX continues to try to make attempts to collect on a debt that has already been paid for on XXXX XXXX, 2011. They call me various times a day!

Company response to consumer: Closed
Consumer complaint received 04/23/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am having issues applying for credit because of this fraud alert that is on my file. I have tried to log in to review my report to see what number is reporting to contact me and their website has changed the review report again link and it is not letting me view my report. I would just like to remove this fraud alert completely from my file. I have purchased a credit monitoring service and have guarded my report in this matter. Please remove the fraud alert from my file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2016 about Consumer Loan (Installment loan) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Taking out the loan or lease

Complaint: This complaint is focused on the fact that 5/3 Bank did not need to secure a hard copy of my credit report because the XXXX pre- personal loan application failed before it went to underwriting.On XX/XX/2016 I applied for an unsecured line of credit in person at 5/3 bank and brought a XXXX credit report on myself dated XX/XX/2016.I met XXXX XXXX from 5/3 face to face to go over my complete credit info on XXXX XXXX the application date.I told him I was requesting a pre approval application before 5/3 bank hit my credit report for a hard copy.He refused as I requested to get underwriting on his speakerphone and He was just too lazy to do conduct a pre-application approval.On XX/XX/2016 I received a letter from 5/3 underwriting which detailed the XXXX reasons why the application was refused based on my XXXX credit report they did not need to acquire.The XXXX reasons were ; insufficient credit experience and number of credit inquiries which were XXXX they reported which matched The XXXX credit report I brought in to XXXX XXXX on XX/XX/2016.In addition all of the creditors listed on my report dated XX/XX/2016 exactly matched the ones listed on the duplicate report from XXXX dated XX/XX/2016 requested by 5/3 bank. 

This is nothing more than 5/3 bank malisciously abusing their authority and ability to secure unnecessary credit reports which as you know are terribly damaging to the consumer. All the Bank had to do was look at the XXXX credit report I presented which matched exactly the XXXX report they requested on XX/XX/2016 and the pre-application would have been denied after discussing my credit report dated XX/XX/2016 with 5/3 underwriting.Now I have to endure the unnecessary pain caused by 5/3 bank to my FICO score. 

I am asking the CFPB to demand that 5/3 bank request a redaction of the XXXX credit report request since they did not follow well established bank policies.I am XXXX years of age and have dealt with 5/3 and it 's excellent predecessor XXXX.I always for any loan application have been given a chance to pass the pre-application process before going to underwriting ; from real estate to installment loans both encumbered or unencumbered this is a very basic tenet of the banking business.XXXX has attempted to take an easy shortcut so He could not fulfill my request for a pre-application loan approval.He was too busy discussing a non issue by underwriting on my credit report with me that had to do with a PAID tax lien All He had to do was put XX/XX/2016 underwriting on the speaker phone and after discussing the findings from the XXXX credit report I brought then underwriting would have denied the pre-approval application.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (I do not know) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls repeatedly every day and has for months claiming to be trying to collect a debt from someone I've never heard of ( we are a business ). 

If I press 0 to speak to a live person the moment I try and explain myself they hang up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Consumer Loan (Vehicle loan) with AFS ACCEPTANCE, LLC (AL).
Issue: Taking out the loan or lease

Complaint: I financed a XXXX motorcycle in XX/XX/XXXX from a company named XXXX XXXX.I was making payments on time ; due, to them receiving an allotment from my check. In XXXX XXXX, I received a letter in the mail from a company named AFS Acceptance that stated I was to start paying for my motorcycle with their company ; instead of XXXX XXXX. The letter included the wrong information about my bike, how much I owe, the monthly payments, and the dates on the payment coupons. There were numerous inconsistencies causing my wife and I to think it was a scam. I have asked them numerous times to provide me with my original loan that was transferred from XXXX XXXX and they have failed to do so. Now, I have a 90 day past due on my credit report. Also, I signed an agreement at the origination of the loan that stated my loan would not be sold.

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 04/27/2015 about Mortgage (FHA mortgage) with NATIONWIDE ADVANTAGE MORTGAGE COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am being denied a current XX/XX/XXXX QWR response, which was sent certified and signed as received by an employee of Nationwide Advantage Mortgage Company. I want to see the after effects of my information, the XX/XX/XXXX QWR first request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have filed disputes and complaints about 4 collection accounts being on my credit report that do not belong to me from XXXX on XX/XX/XXXX. In response Equifax claimed to have removed the accounts from my report and they deleted all but one of them. I called to let them know and ask why they still had one on my report and was told I would have to file another dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with RSI Enterprises, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a letter today, XX/XX/XXXX, from RSI enterprises inc., saying that it was attempting to collect a debt from the DC office of tax and revenue. It says that I owe {$4900.00} for a tax period end date on XX/XX/XXXX. It then directs me to pay online XXXX. The issues include:XXXX I did not live in Washington, D.C. during the XX/XX/XXXX tax year, so I do not owe this debt. I would attach a receipt for my XX/XX/XXXX state tax return for the state where I was living, but I do n't want to give RSI more of my personal information. 

XXXX. If this even is a legitimate debt collector with bad data, and not an outright scammer, a ) this is the XXXX I 've heard about this issue -- has this hurt my credit because they notified me 5 years after the data error was made? b XXXX it says the principle was {$2400.00}, the interest is XXXX, and the penalties are {$600.00} -- they essentially XXXX the supposed debt? No wonder they did n't try and tell me sooner that they thought I owed this -- they could charge more interest/fees. 


XXXX. I am split on whether or not this is even a legitimate debt collector. " OfficialPayments.com '' is the most scammy sounding website I 've ever heard of. This is exactly what scammers do to try and trick people -- send official looking letters with threats of owed money, and then tell them to send money through sketchy .com websites. 

XXXX. The letter includes a logo for the " XXXX. '' If RSI Enterprises, inc. is actually a member -- they would have a ) a legitimate website, b XXXX better data. If they are a member of the " XXXX, '' they should be kicked out.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (I do not know) with GVA Holdings, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For the past two months, I 've been getting calls from some debt agency that does not identify themselves in the message. And they 're not even calling for me! They 're calling for a friend that listed me as a contact! On XX/XX/17 I received a fourth call. The message is always the same : Your friend XXXX listed you as a contact and we 're trying to reach him. Can you please have him call XXXX. Is this not illegal? That number is connected to this business : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 5 years in business. XXXX XXXX XXXX. XXXX, MT XXXX. EMAIL WEBSITE. Fax Numbers. ( XXXX ) XXXX

Company response to consumer: Closed with explanation