milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (HI).
Issue: Loan servicing, payments, escrow account

Complaint: I signed a mortgage loan agreement to pay {$2200.00} a month ( signed XXXX 2015 ) with XXXX XXXX. This included payment for Home owners Ins. ( XXXX. ) and XXXX Ins. ( XXXX ). I have paid all of my monthly payments early and over and above what is required. Then Roundpoint Mortgage took over the loan at some point. I have paid Roundpoint early and above the {$2200.00}. Recently I became aware ( through my online account ) without written notice or written explanation from Roundpoint that my new monthly bill would be {$2400.00} a month, and increase of {$120.00}. I spoke to XXXX XXXX, supervisor at Roundpoint, who stated that because Roundpoint did not take into consideration the XXXX Ins. ( XXXX ) cost into account for Escrow that there was a shortage and I would have to pay that shortage. I can understand an increase in insurance costs per month maybe being {$60.00} or so, but to increase monthly payment to {$120.00} to no fault of the customer is not right. I want to pay what I signed up to pay {$2200.00} a month or close to it at least. {$120.00} increase is alot for a family of XXXX and not fair with out notice.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am complaining about this item called XXXX that I see online is an auto finance company that needs to be removed immediately. Please delete this misleading information in order to show my true credit history.

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 02/19/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I opened a XXXX XXXX credit card around XX/XX/XXXX and immediately purchased several items on it. I had issues paying the bill online, so on XX/XX/XXXX I went to a store, returned one item that didn't fit correctly and asked for an exact amount to pay off the card completely. The clerk printed a balance statement that showed I owed {$360.00}. The return refunded {$65.00} to my account. The employee and I agreed on the remaining balance and I paid {$290.00}. At this time I thought everything was paid and up to date, that my card had a zero balance. Later, I still received additional bills in the mail. I called to inquire and the person on the phone apologized and told me it was a mistake and that any remaining balanced would be removed. They verbally confirmed my account balance was now at zero. After this I still received a bill. I called again in XX/XX/XXXX and this time the person argued with me for a lengthy time and said I still had a balance. Even though I disagreed with this, I asked how much to completely pay off the card and be done. I was told {$26.00}, so even though I didn't agree, I decided to pay that amount to be done with the card. However, I am still receiving bills today.

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 04/28/2015 about Debt collection (I do not know) with Oracle Financial Group LLC. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received numerous calls from this number from an automated system. There was no way to opt out of the calls or to tell them I was not the person they were searching for. Then received a call from a " XXXX XXXX '' who left a threatening message on my voice mail. I am clearly not the person they are searching for. Threatened to come to my home and my work. Called from a blocked number but left XXXX as a contact number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I was approached by XXXX at Home Depot, Store # XXXX, XXXX XXXX XXXX, NY XXXX, to open a credit card account. Heopened an account and told me no interest for 6 monthson purchaes for {$290.00}. So I bought a small refigerator formore than {$290.00} on XX/XX/XXXX. I made min. payments on time. But in XX/XX/XXXX theybut they added interest from XX/XX/XXXX, despite what XXXX, their employee, told clearly that interest would accrue aftersix months. So this is totally wrong and has to be correctd by Home Depot.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Cnba hard pull on my credit or days it wo n't be removed un til 2018.what is the  retail an elsewhere I 've never gave consent to this company prove my daughters name and I 'll believe this company knows me

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 07/22/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Making/receiving payments, sending money

Complaint: Someone attempted to gain access to my accounts held at USAA bank via email and telephone. The individual was successful via email, but unsuccessful via telephone which prompted the bank to " freeze '' the account. Freezing the account prevented a regularly recurring disbursal from occurring. As a result, the creditor who would have received that disbursal filed the ultimately late payment against my credit score. 

The creditor, upon contact, indicated it would remove the report if it was due to identity theft. I contacted USAA asking for written proof of the incident that I could send to the creditor, but the bank has been non-compliant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Deposits and withdrawals

Complaint: I have a XXXX Paypal accounts. Sometimes I transfer between them and also I have sold things to others and they pay me with PayPal Cash cards, which I can deposit into my PP account. Which I do. Paypal states this is high risk to " them '' and froze my account. They state my account is frozen for 6 months. I have over {$1000.00} in this account. They simply freeze it. This is not right and not fair and even if I agreed with the risk factor, 6 months is simply way too long to " see '' if there is a chargeback or anything else. They keep and use others money for Free at their whim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Credit line increase/decrease

Complaint: Paid off an old navy and a walmart card in full, for a total of XXXX missed a walmart payment and used it regularly. Was thanked for the payment in full by dropping my credit from XXXX to XXXX dollars. XXXX disappeared. 

Paid off old navy in full at XXXX, even after my credit was lowered for no reason. I was thanked for paying in full by my account being closed. That XXXX plus earlier payments of XXXX disappeared. 

Synchrony stole around XXXX in payments, and despite my good fAith as far as having access to my credit that i paid, and despite my timely payments, they lowered credit and shut down accounts, thus damaging a credit score that should have improved due to my actions. I consider this fraud and theft and they should be penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I tried to get my consigner released Navient said I had to make payments for 12 months. 
I tried to lower my payments they told me only if my consigner could n't pay then I could maybe lower my payments. I sent my information over never got a lower payment. I also asked about the loan consolidation plan with my federal loans they told me it did n't count on private loans but I originally was told it did.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: XXXX XXXX XXXX was suppose to be receiving payments under a debt program at a min payment of {$20.00}. The program messed up my payments and XXXX XXXX triggered an end to the program I was paying under and negatively reporting late payments to the credit score agencies when the account is up to date receiving payments.

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 12-08-2017 about Debt collection (Credit card debt) with Shermeta Law Group, PLLC (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Hello, Information given from the paperwork i have from the XXXX district court, on XXXX XXXX, XXXX for the amount of {$3200.00}, {$3200.00}, and {$3200.00} all three ( 3 ) different accounts with the same credit card companies. Shermeta Law Group filed to garnish my wages and my state income taxes with properly doing so. Firstly, i wasnt properly served these documents personally they were served at my mothers house. After calling about these debts i was given attitude and disrespect and if i wasnt paying or trying to resolve some type of payment plan with them there wasnt much he could do to help me. I was also told that if they have to file garnishment i could lose my job as in big companies like XXXX doesnt like to see wages of their employees being garnished. Without notice my wages were garnished and i didnt find that info out till calling my jobs Payroll trying to verify info in applying for sub pay the was notified i guess for my reassurance that my pay was garnish from this company at 25 % then after finding out i went to file a Objection of Garnishment with the district court. In the mist of waiting for my court date i have found out that Shermeta Law Group is not licensed for business nor to collect in the state of Michigan or with the Secretary of State in Michigan therefore with my understanding they arent eligible to collect in debt in Michigan.. If possible please remove these accounts from all three ( 3 ) reporting credit reports immediately. 

Also i would like help with stopping motion of garnishment if issue is resolved. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Auto) with UNIFOUR FINANCIAL SERVICES, LLC (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: calling several times a day by phone, email, mail, and family members.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a past loan account with XXXX XXXX XXXX XXXX. I was late on the account and it was reported as such. I later was able to refinance the loan with XXXX XXXX XXXX XXXX. As a result of me refinancing my original loan ( still with XXXX ) XXXX created a new loan, new account number with updated terms of the loan. Unfortunately, XXXX reported the exact negative information that was reported in the original loan in the newly refinanced. This is not accurate. My credit report with all 3 reporting companies Equifax, XXXX and XXXX for several years continue to report that I had to loans with XXXX and both have the same late history being reported. I have disputed the information with each of the credit reporting companies with no resolution. I have contacted XXXX personally and enlisted the help of a credit repair company but none of my actions have resulted in a positive update to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I found out on XX/XX/XXXX that a former boyfriend of mine had opened a credit card under my name and demographics without my knowledge and had maxed it out. I called the company it was under and asked for details. They were unwilling to give me any information as I was not an authorized user for the account. I was able to have them close it so no more chargers could incur and ask that my email and phone number be placed on the account so I could inquire on it in the future. I still have not received any charge documents and they continue to call and write notifications to me that I owe the debt. I have filed with the Federal Trade Commission, the local police, and have talked to their fraud department. I have given them the name, phone number, and address of the thief, but they continue to say it is my debt. I received a request from Capital One for a clear copy of two forms of my ID and hve the form notarized. I did this and faxed it to them XX/XX/XXXX. They later sent a brief letter stating it was still my debt. The form only asked for details for whom I suspected was the identity thief and his personal information. The information form did not request details regarding the fraudulent account or how I found out about it. I again wrote to Capital One via a letter devised by the Federal Trade Commission on XX/XX/XXXX requesting they close the account, remove any charges on the account, and take steps to remove information about this account from my credit files. I received a letter from Capital One on XX/XX/XXXX stating that they are following up on the fraud notification recently filed with one of the 4 credit reporting agencies, but again find no evidence of fraud and are taking  no action. 
I then went to my local police station and filed criminal charges against the person whom stole my identity ( XX/XX/XXXX ), as suggested by the FTC. My complaint is that Capital One allowed someone else to open an account under my name and Social Security without my signature or permission and now is pressing me for payments although I have filed fraud to all the proper authorities. I would like to see their process for signing someone up for a new account and how they verify acknowledgement and permission from the person it is being set up under. I have a long history of amazing credit, and now find myself struggling with poor credit scores and harassment from credit card companies. ( He also charged up another credit card in my name ).

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Credit line increase/decrease

Complaint: WALMART DECREASE MY CREDIT LIMIT WITHOUT A REASON ALWAYS PAID ON TIME NEVER LATE I USED THE CARD OFTEN PAID TO 0 MULTIPLE TIMES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I was part of the XXXX glitch and I would like all the inquires removed from my credit report. I mailed the a letter but got no response. As a result each credit reporting agency has now been alerted that I have new inquiries being reported and it bringing my scores down.

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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I filed a chapter XXXX Bankruptcy on XX/XX/2011. When I went to check my credit report recently there was something from XXXX XXXX XXXX   which was included in my bankruptcy and should not be on there anymore. I don't know why its still showing.

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 04/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: I applied for a refinance of my XXXX XXXX Mortgage with Wells Fargo Mortgage. They insisted on holding over {$4000.00} in escrow to pay taxes current on the property even though they had evidence from XXXX XXXX that XXXX XXXX had paid the taxes from escrowed funds taken each month in the payment. They said they would hold the {$4000.00} until they had official confirmation of the payment of taxes from the county and adjusted the Closing Statement to reflect that they would not be sending the Taxes to the County for payment. Then, Contrary to what is in the Closing Statement, they sent the payment to the County and now they are attempting to get it back. The mortgage closed on XXXX XXXX and I still do n't have my $ XXXX+ back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: For the past few months i have been disputed accounts are my report. I have not recieved any letters back about these disputes. NOTHING. I 've been sending letters since XXXX. No updates. Now i know these companies will reply that they need more time but they 've had MORE than enough time to investigate these disputes. Why are these companies not being held liable for violating consumer rights? The following accounts are reporting inaccurate and need to be removed asap or provide me with methods of verification. 
I have XXXX repos. Neither of these companies have furnished me with a notice of redemption/reinstatement or a notice to sale. 
XXXX XXXX is reporting an inaccurate open date. 
XXXX finance is reporting an inaccurate balance. 
XXXX XXXX clearly this company has made a mistake. This account is not mines. I have never done business XXXX XXXX XXXX. 
XXXX XXXX this account is reporting inaccurately. 

It is my right to have EVERYTHING on my credit report reporting 100 % accurately. These credit bureaus have been ignoring my request. It is just disrespectful and a slap the face. These accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (FHA mortgage) with STONEGATE MORTGAGE CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my house and Stonegate Mortgage and Servicing still has not returned over XXXX dollars thats in my escrow account. They have told me numerous times they are sending it which I have at least two of those times recorded on my computer. A manager by the name of XXXX assured me he was overnighting it. Two days later when I called to find out where it was, I was about to be transferred and then suddenly he is no longer in the office for the day at XXXX. Not one person has given me a straight answer and no one has returned my money to me since my closing over 60 days ago from writing this complaint. These people are crooks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: My father XXXX in 2009 with a mortgage debt that was in pre foreclosure. I inherited the property and have been communicating with the mortgage company since his death to rectify the mortgage and bring it current. I went through loan modification programs, I 've sent them a lump sum payment in which they returned and then they denied the modification and told me I had to assume the loan and while going through that process, they foreclosed on the property. Almost 2 years later they rescinded the foreclosure. I then put the property up for sale and because of the years that has passed the loan has nearly doubled causing me to have to sell it for less than what I owe. The bank then denied the short sale. Currently, I am re listing the property again for a higher amount but the loan is still almost double. I have asked that they forgive and/or waive the accrued interest, attorney fee, late fees and other expenses as they wrongfully foreclosed on the property. The latest payoff still reflects all of these fees including the years that they wrongfully foreclosed on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested debt validation from Midland per Texas Finance Code Section 392.202. I received a response letter in the mail from them stating that the purpose of the letter was to advise me of the results of my dispute. They also stated in the letter that they would be placing dispute comments on my credit report. 

I did not dispute the account, I was simply requesting debt validation. 

I believe they are purposefully treating a debt validation under Texas financial code as if it were a dispute under the FCRA. I believe this is an abusive application of the FCRA dispute process as placing dispute comments can derail credit applications. 

In addition they did not provide me any of the debt validation information that I requested and is required by Texas financial code.

Company response to consumer: Closed with non-monetary relief