milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 being paying a 3rd party company that is associated with XXXX. They have a total of 5 payments from me. I have talked to the main company XXXX ( XXXX ) and they do n't recognize or see 2 of the payments that I have sent ( XXXX XXXX, XXXX in the amount of {$120.00} and XXXX XXXX, XXXX in the amount of {$180.00} ). On my credit score it still shows that I have missed/late payments from XXXX. I have talked with the 3rd party company repeatedly and they continue to hang up on me. I do n't understand how these payments are not positively reflected on my credit score. XXXX is the ONLY company that is damaging my credit score by inaccurate information. I have sent in 2 letters containing both dispute letters and my credit report that they have asked of me and still my credit score is not fixed by the problems they have caused. On my credit score it shows that XXXX through XXXX I have late or missed payments. This is inaccurate. They received 2 payments in XXXX, one XXXX XXXX, one XXXX XXXX, one XXXX XXXX. They have a total of 46 late/missed accounts on my credit report. I only have 5 accounts with them. I have tried to talk to XXXX and the 3rd party company associated with XXXX and I am having a hard time to rectify this problem.

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 07/27/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (LA).
Issue: Trouble during payment process

Complaint: I pay my Chase home equity line of credit via a XXXX XXXX checking account bill payment service ; on XX/XX/2017 I paid Chase my regular payment of {$350.00} via this bill paying service ; Chase has NEVER credited me with this payment even though I faxed them PROOF that XXXX had made the payment on XX/XX/2017 ; as of today XX/XX/2017 they have never credited this payment despite acknowledging on the phone that they HAVE received the proof of payment and that this proof is VALID ; now Chase is sending me emails demanding I make this payment, it 's INFURIATING because they already have the money! Please help me! Before I call the district attorneys office or file a lawsuit I 'd like someone to help me to resolve this matter Thank you for your consideration! Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Settlement process and costs

Complaint: Why is Ocwen sending me statements for a mortgage paid in full and Why have n't they released the lien in my house? 
They need to collect the {$260000.00} and {$60000.00} from first XXXX and {$35000.00} from XXXX paid twice and arrow and ozark financial who had NO security interest in any property I EVER owned and any funds paid to XXXX after XXXX. ANY funds paid to XXXX XXXX that were not directly paid to the amount shown on the statements I received from them. REFUND WITH INTEREST ALL payments to XXXX XXXX or any payments made to my duplex at XXXX XXXX including escrow payments that are NOT included in the loan on my HOUSE. OR ANY Duplicate payments EVER made. By anyone to my property.and including any payments made to properties I DONT own. 
I had a {$260000.00} loan to which I paid {$360000.00} and {$510000.00} to the loan I paid off. 
I paid all of the principal balances back to all of the prepaid credit and interest ito the amounts added to my mortgages. I did n't owe interest on any escrow added back to my loan. The field adjustments added to the modification on my house were already paid to XXXX XXXX XXXX, XXXX XXXX and midland. I do n't want to borrow HAMP incentives and I want the payments I made to XXXX applied to the 2004 payoff and {$23000.00} I did n't owe XXXX and credit for the payments made to XXXX XXXX for the {$32000.00} field adjustments plus the {$9400.00} escrow and any other part of the {$41000.00} payoff on my duplex. 
I want credit for all of the {$49000.00} and {$18000.00} paid to XXXX and {$5700.00} + {$33000.00} paid to XXXX and {$24000.00} + {$15000.00} paid to XXXX I WANT CREDIT FOR ALL OF THE {$840000.00} cash payments I made to XXXX properties serviced by Ocwen ( for the final servicers of loans with ; XXXX XXXX and XXXX XXXX ). 
And the funds from the foreclosure of my duplex with any escrow used or paid from or by any of these servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage states in their payment script that if a payment returns they may make a 2nd attempt to withdraw funds. A payment was submitted prior to XXXX and due to an auto withdraw error it returned. Freedom mortgage did not make a 2nd attempt without advising that they would n't which caused the payment to go over XXXX. Upon speaking with them and advising it was unfair and deceptive I was advised by a supervisor that it would not report. 11 days later I was sent a letter advising it would report and upon calling the mortgage company I was advised that none of their payments make a 2nd attempt, or that " only some depending on the bank '', but they would not provide a list of the type of transactions that would make one, and when brought up that the initiating bank makes the decision to withdraw twice, I was advised that " it just depends '' and that it did n't matter because their script says " it may ''. When brought up about the prior discussion with a supervisor, I was advised I would have to give them the date for them to find the notes, and then afterwards was told there were no notes from a supervisor. I asked for them to pull the call, as well as why they would say there is n't notes reflecting a supervisor agreeing the legal script could be deceptive and advising it would n't report, and then was told " they ca n't confirm or deny ''. 

If the legal script did not imply a 2nd withdraw would occur, I would have known and been able to correct this prior to XXXX, however because I was waiting for a 2nd attempt and not submitting an additional because I could not pay 2 mortgage payments, the company is now blaming fault on me as the customer for not knowing that " may withdraw '' would mean it would n't. This is clearly deceptive and unfair, as the initiating bank is the one who decides to make a 2nd attempt or not. Generally there is no conditions on what types of returns this happens for, and the company can not provide a list to their customers so that they are being transparent. It is also completely deceptive that a supervisor would promise that it would not be reported due to those factors, and then when the company decides to do it anyways there is suddenly no record of this and they are completely unwilling to rectify it.

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 06-09-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was a  XXXX  customer for approximately 10 years. I was no longer under a contract, so I decided to change phone providers. I informed  XXXX  that I was stopping service. After trying to change providers, I was informed that the phone was locked by  XXXX . I called them again and asked why the phone was locked since I had paid cash for it. They instructed me on the procedure to unlock the phone. At no time was I told that I would have to pay a full month 's bill after cancelling service. I received a letter informing me that I did n't give a 30 day notice, so I would have to pay for the following month. I told them that I was not under contract, so that should not be an issue. They, then turned my case ove r to Southwest Credit. Th ey called me and informed me of the debt collection. I told them that I had discussed this with  XXXX  and since I was not under contract, I did not feel that I owed them anything. I never heard from any  one  else about this, so I thought it was resolved. No one ever informed me I could to file a dispute or a complaint. I was a  XXXX  employee and have  XXXX   XXXX  through the government. They sent me a notice that I had a bad report on   XXXX  . I called  XXXX  and they suggested that I go this route for some kind of resolution. I do have the money to pay this, but It is the principal of not being informed of my rights by either company.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: In regards to the two XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} XXXX : {$7800.00} - {$460.00}

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 01/20/2016 about Credit card () with U.S. BANCORP (MA).
Issue: Other fee

Complaint: I called XXXX XXXX at a XXXX number to purchase airline tickets for travel to XXXX. I was charged a foreign transaction fee by the credit card company. I purchased tickets from a XXXX branch in XXXX Dollars. How can I be charged a fee by the credit card company? I have purchased airline tickets this way before and have n't been charged a fee. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (NJ).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX while trying to get things in order i pulled my credit report and saw that someone had XXXX things in my name i went to the police deparment and i was told i need more information so i started doing doing this on my own this first company simple XXXX XXXX has me down for {$410.00} and this started on XX/XX/XXXX now i reached out to them after XXXX there name i dint have a account number and i spoke with the supervisor XXXX who looked into there system to tell me they have no one under my name at that date or time and that they have no record of any one name XXXX XXXX i was then told to reach out to there CORPORATE OFFICE ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I did call and was talk to very nasty by a XXXX and then they hung the phone up on me when tried to call back the recorded said they were close all i want is this resolve this account is not mine they cant find no recorded and i want it of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have disputed this account time and time again submitting undisputable proof and only receiving the same results. This account is in violation of being deleted then place back on my report by changing the dates on the file. They are also only verifying the name and address with the grantor they are not taking into consideration the proof I have attached which shows that they made errors. The proof also show that the foreclosure was stopped by the courts and reconciled. Every account on my credit file is paid as agreed this account has hurt me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Debt collection (Mortgage debt) with Hunter Warfield, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: this company does not own the dept they attempt to collect they have no rtights as they have not purchased this debt HWarfield XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2016 about Credit card () with DISCOVER BANK (AA).
Issue: Rewards

Complaint: I made a purchase of {$500.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Bank account or service (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/2017 around XXXX I begin to receive text alerts from my Bank Union Bank also known as MUFG Union Bank stating there was unusual activity on my account. They verified me and confirmed my ATM card was in my presence. While speaking with them and going over transactions, the fraud agent proceeds to tell me I would not be able to file a claim on the transactions until they process and come out of my account. 

I have a Checking and Savings account, the savings account also acts as the overdraft protection component to my checking, not only did they pay the transactions, the went into my savings account depleted it. Upon my multiple calls to follow their horrible policy, I 'm told I would have to return the money to my savings account ( are they serious ) I made to wait until XXXX/XXXX/17 to have the money returned, well here we are at XXXX/XXXX/17 only a small portion of money was returned, not a dime of my savings nor have the overdraft fees been restored. I need help to make them accountable for their horrible actions towards their customers and I need all my money returned unto me, every red cent. This Bank has stolen money from me with no accountability for me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My complaint against Portfolio Recover Associates ( PRA ) is based on their inability or flat-out refusal to provide the original TERMS of my XXXX XXXX Credit Card # XXXX. I have disputed the amount owed since the very first phone call with PRA. PRA has stated over a dozen times that they have received all available documents pertaining to my account. They have only provided random statements and agreement. Any and all phone calls with PRA were recorded and available. The TERMS are included in the welcome package along with the Agreement and new credit card. The TERMS are specific to a borrower and will vary based on the borrowers credit profile. The Agreement is  a universal document that can easily found on the internet. The TERMS come in two pages and consist of the following : Credit Limit, APR for Purchases, APR for Cash Advances, APR for transfers, Penalty APR when it applies, Paying interest, Minimum interest charge, Annual fee, Transaction fee, and Penalty fee. The Agreement does not have any information specific to the borrower. It is my understanding after reading the CFPB procedures required by debt collectors, that one of many things a debt collector must do when purchasing debt from another party is to validate the amount due and determine whether any fees charged were permitted by contract with the original creditor. Question Onewithout having the Original TERMS to my specific XXXX XXXX account, how are you able to confirm that the balance youre trying to collect? Question TwoIve attached the XXXX XXXX statement with a closing date of XXXX which was 3 months prior to the charge-off. The statement includes total fees for XXXX of {$180.00}, can you confirm with 100 % certainty that all fees charged in XXXX were as-agreed to by XXXX XXXX when they extended credit? How about the {$58.00} in fees charged in XXXX? Question ThreeWhy would XXXX XXXX refuse to let PRA provide me with my Original Terms and Agreement? On XXXX I had a phone conversation with XXXX from PRAs dispute department. On a recorded line she clearly stated that XXXX XXXX didnt want PRA to send me my Original Terms and Agreement, why would they do that?

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016 I sent inquiry to Chase regarding corporate fees and cost accessed to my loan. On XX/XX/2016 I received a response that I was n't responsible for corporate fees accessed XX/XX/2016 and XX/XX/2016 that they are non recoverable. I am concerned as to why fees and cost are being accessed on my loans when it is current. These fees were from XX/XX/2006. I had a loan mod and successfully completed the mod remaining current since that date. Why was n't these fees removed or rolled into the loan at that time? Why are fees and cost still on the loan XX/XX/2016? And if they were not recoverable why are they on my payment history in XX/XX/2016 10 years later? They are in violation of RESPA ACT. I also request recorded documents and letter dated XX/XX/2016 indicate they were unable to locate assignment of mortgage to Washington Mutual and WAMU to Chase. If those documents are not available how was Chase able to began foreclosure proceedings on my loan prior to XX/XX/2006 without proper documentation. Chase was violating many acts. I am demanding all recording documents including my executed modification. Being advised to go to the court house to obtain these documents are unacceptable ask have been paying this bank thousands of dollars. If my recorded docs are not available then where is these docs stored and can they retrieve these docs from that location. 
I would appreciate a response within 30 days. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Bank account or service ((CD) Certificate of deposit) with PNC Bank N.A. (IN).
Issue: Deposits and withdrawals

Complaint: My wife and I each purchased a {$2000.00} Certificate of Deposit ( IRAs ) from XXXX in XXXX IN on XXXX XXXX, XXXX. These were for XXXX contributions. That was the first time we ever did this. My wife filed these papers away at that time in a file cabinet. Future investments my wife filed in a different file. In XXXX of this year, XXXX, my wife found the file with these IRAs. Obviously we forgot about them as it is XXXX years later. We moved one time two years after we bought the IRAs but still in the same city XXXX. Then we realized not once had we received yearly statements. Since XXXX was bought out by XXXX, and PNC bought out XXXX, I took our paperwork to PNC. A gentleman in his early XXXX XXXX XXXX or XXXX? not sure of his name ) at PNC told me " I see your name in our system, but there is no account information with it. My XXXX return to PNC a week or XXXX later, and I received the attached letter " apologizing and no offer to help. '' I called Indiana Unclaimed and she said this is still under the XXXX year limit so it should be here, but she found nothing. Indiana Unclaimed directed me to some people who got me to you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I refinanced my home and chose to preserve my Home Equity Line of Credit with Bank of America. They advised we would need to process a subrogation agreement which would take XXXX business days. That fell within the close date of XXXX XXXX, 2015, so we proceeded to pay the fees and process the subrugation. Bank of America missed the deadline by several days resulting in my being charged over {$3500.00} in interest from the original mortgagee because we went well into XXXX before the refinance was completed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I received an XXXX XXXX in XX/XX/XXXX in XXXX at XXXX. After graduating from college my loans were sold to XXXX/FedLoans and consolidated. Instead of closing out the loans that I owed and then making it so I owed the consolidated amount only, my loans are now doubled and showing as over $ XXXX. I understand interest ( I have been in deferment and my interest is over $ XXXX ) but this does n't make any sense. The average graduate student owes about $ XXXX for their fedloans, I have an XXXX After doing some research, I saw there may have been a so called " payment '' made on XX/XX/XXXX of XXXX ( consolidation loan amount ), I never received this loan payment. I have reached out via email over XXXX times over the years to FedLoan Servicing and XXXX to have my file looked at, I have received nothing in response. I also called and the representative on the phone did n't even understand how I could owe so much, and supposedly sent a ticket and I have never heard anything back. I really need someone to help me out here, as I am sure I owe half of what is showing ... unless someone out there was given a degree that now I am not able to afford to get because of the status of my federal loans. 

Thank you in advance for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit card or prepaid card (General-purpose prepaid card) with CARD Corporation (TX).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: This company is holding a {$100.00} deposit from a hotel stay from a week ago. I called and asked why they have n't released the pending transaction and was told by the customer service rep that it takes a month and if I wanted sooner I had to submit a merchant release from the hotel. Mind you the hotel releases it upon checkout and after that it is up to the bank they think I 'm stupid and I think they are trying to take my money. I told them I 'm in florida and need my money asap to evacuate during the storm and no empathy and I went as far up as the supervisor ans he didnt even budge. I submitted my receipts and all that clearly showes the charges made to the card as well as the deposit and they are telling me its invalid.

Company response to consumer: Closed with explanation