milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I closed on a home in XXXX XXXX. My mortgage was purchased by Fifth Third Bank in XX/XX/XXXX. Included in the closing costs was escrowed homeowners insurance of {$1600.00} to be paid to XXXX XXXX XXXX.
<P/>
I received and email from XXXX on XX/XX/XXXX stating the premium had not been paid. When I called them, they assured me my coverage was valid for at least 30 days while awaiting escrow payment.
I received another email from XXXX on XX/XX/XXXX stating the insurance premium had not been paid. I contacted Fifth Third Bank and was assured the payment would be mailed overnight to XXXX the next day.
I received yet another email from XXXX on XX/XX/XXXX stating my coverage was due to be terminated if payment was not received by XX/XX/XXXX. <P/> On XX/XX/XXXX I began making calls to both XXXX XXXX XXXX and Fifth Third Bank. Each time I called XXXX, the representative contacted Fifth Third and received assurance the payment would be overnighted the next day.
After each call to XXXX, I contacted Fifth Third on my own.
<P/>
XX/XX/XXXX - XXXX in Customer Service - checked the system and saw the request for escrow payment, instructed me to call XXXX the following Wednesday ( XX/XX/XXXX ) to confirm payment was received.
XX/XX/XXXX - Checked my account at XXXX, no payment credited. Called Fifth Third Insurance Dept and spoke with XXXX. Both assured me the payment would be escalated and to call the following day to check. XX/XX/XXXX - Called Fifth Third Insurance Dept and spoke with XXXX. Escrow had not been sent yet. Spoke with XXXX. She informed me the escrow should go out the night of XX/XX/XXXX. Call to check the following day to verify. XX/XX/XXXX - Called Fifth Third Insurance Dept and spoke with XXXX. The payment was NOT sent on XX/XX/XXXX, and is scheduled to go out XX/XX/XXXX overnight. I asked to speak with a supervisor and was first told the supervisor was helping another customer, so I agreed to hold. After 10 minutes, I was told the supervisor was called into a meeting. I insisted I needed to speak with someone who could make a decision about my escrow and was put on hold again. I was eventually transferred to XXXX, a Team Lead, who explained the payment was scheduled to be overnighted on XX/XX/XXXX  and there was nothing else he could do to arrange for an immediate payment.
<P/>
At this point, my homeowners insurance is scheduled to be terminated tomorrow, XX/XX/XXXX. I am absolutely enraged about this situation and do n't know what to do other than pay the premium out of my own pocket and wait ( hope ) for a refund.
<P/>
I will attempt to contact Fifth Third and opt out of escrow for homeowners insurance. However, I have made 3 payments which include an escrowed amount and may have difficulty having this refunded to me. I have already spoken with XXXX XXXX XXXX about paying them directly beginning next year.
<P/> XXXX XXXX XXXX has been nothing but helpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/13/2015 about Bank account or service (Savings account) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I had a savings account with American Express Savings Bank FSB. I requested for an account closure, however there was a remaining balance in the account. I have never received any of my money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Early on the morning of XXXX I received an email alert from XXXX  indicating a " credit alert ''. When I checked, I was told that a company called Commonwealth Financial - XXXX XXXX XXXX XXXX XXXX, PA XXXX Had placed a " seriously delinquent '' credit report on my file for {$390.00} effective XX/XX/XXXX. I have not borrowed money in several years and have no idea what this is for. Furthermore, I have had no communication from this company about this alleged debt. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (I do not know) with TD BANK US HOLDING COMPANY (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or company .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge on XXXX/XXXX/2015. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Auto) with Byrider Franchising, LLC (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Need to have a letter giving me a chance to try and get a fair amount to pay back, no one has written or call.I understand I took the car back because it was junk, but they need to send me something, I do n't have the money for a large payment, but the car was a lemon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I contacted XXXX XXXX and spoke with XXXX and explained to him that I am not liable for the debt on accounts XXXX & XXXX. XXXX stated that these accounts resulted from a hospital visit on XX/XX/XXXX and that my insurance company denied payment. I then contacted XXXX and spoke with XXXX, I gave him the information regarding the hospital bill. After looking up my account, XXXX found that the hospital did not file a claim for an emergency room visit during my coverage period of XX/XX/XXXX to  XX/XX/XXXX. XXXX then conference called XXXX at XXXX XXXX and informed that the original client needs to show proof that they actually attempted to file a claim with the insurance within the timeframe ( 90 days in network/180 days out of network ). XXXX then replied that we would need to submit a proof of insurance - eligibility letter. XXXX faxed the required document to fax # XXXX with attention to account # XXXX. 
I called XXXX XXXX back a few weeks later to check the status of the receipt of the proof of insurance document as well as a status of the investigation to get this issue resolved. The representative I spoke with confirmed that the document was received on XX/XX/XXXX and that they forwarded this document to the original client Pendrick Capital Partners. After receiving this information the last 3 times I called XXXX XXXX without any update on the status of the investigation I decided to call the original client Pendrick Capital Partners to check on the status of this investigation. I spoke with XXXX at Pendrick Capital Partners on XX/XX/XXXX and she stated that there were no notes stating receipt of a proof of insurance - eligibility letter and that they do not process investigations for any accounts and that all account work is done by the collections company. XXXX then ended the call with me by transferring me while I was in the midst of asking her a question. I have been given a complete run around with this situation and I do not feel that either company is trying to help me resolve the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We have requested that HSBC ( Household Finance ) correct their own accounting error in which they did n't properly credit our account for 2 monthly mortgage payments of {$1700.00} each or a total of {$3400.00} in XXXX. They sent their own accounting records to us which proved their error and we sent a copy of the records back to them with a letter outlining the error in XXXX XXXX. We have written to them multiple times and they have not taken action to rectify this error. We are now asking them to pay this amount to the company they sold our mortgage to ( XXXX ) toward the principal on our home loan. We are also asking that they pay a penalty to us equal to 6 months of payments ( {$10000.00} ) for failure to respond in a reasonable time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion has reinserted unverifiable accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (I do not know) with Riverwalk Financial Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am disputing this collection account for several reasons. The original creditor was a school named XXXX XXXX XXXX, which closed years ago for fraudulent accounts, predatorily financial aid tactics and student dissatisfaction. I was one of them and the school was located in XXXX XXXX, FL. I stated my concerns with the office managers XXXX XXXX and XXXX XXXX, who then dismissed me immediately from the program on XX/XX/2013. I was in between classes and financial aid was paying the tuition, so I gladly left. One month later, I received a {$1700.00} bill saying I owned them for dropping the program. They automatically put me on a {$200.00} a month repayment plan ( without my permission, no signed documents or even my knowledge ). I started getting calls and letters that this " loan '' is in default and it started reporting on all 3 credit bureaus. I have been disputing this for years now and even contacted the Florida Department of Education who stepped in and wrote XXXX XXXX letters on my behalf to drop this fraudulent charge of {$1700.00}. The school did drop the charge and THEN sold it to this debt collection agency named XXXX XXXX XXXX, who is now harassing me and reporting this " debt '' to all 3 credit bureaus. I need help with this as I am trying to buy a home and clear up my credit. These predatorily companies need to be held accountable for their fraudulent and shady money scheming tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a credit card statement from Capital One for the period XXXX XXXX, 2015, but I do not possess a Capital One credit card. I telephone the Customer Service number on the statement : XXXX and spoke with senior account specialist, XXXX, who stated that someone else used my information to open this account and that he was closing it as of XXXX XXXX, 2015. There were no charges on this statement, but the statement informed me that I would be charged an annual {$19.00} fee if I did not close this account. 
Over one year ago I applied online for a Capital One account, but I cancelled the application/account via written notice delivered via XXXX XXXX to Capital One 's corporate headquarters. The reason for that was that I immediately received more than XXXX notice in the mail stating that they could not issue the card due to fraudulent activity on the card ( that did not exist ). When I telephoned the number on the letters, the same man answered and I called more than XXXX time. I was always asked for my personal information, i.e. date of birth, social security number, prior employment, etc. I concluded that the entire process was initiated and followed through by an individual or individuals conducting fraudulent identity theft posing as Capital One. Regarding the cancellation and report of fraud sent to Capital One 's corporate headquarters via XXXX XXXX, I did not receive any response at all. This is very suspect, in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX I rented a home XXXX .I only rented the home for about 9 months. I had XXXX as a internet and cable provider. Around XXXX XXXX contacted me and stated that I owed them {$200.00} for unpaid cable bill. I told them I had not lived there for years and I had paid my bill and had my services turned off when I moved back XXXX. They insisted that I pay this bill 2 years after I had moved out. The last two times in XXXX and XXXX I have applied for credit this shows up on my report. I do not owe these people one dime and yet they filed a negative report. The people of XXXX are crooks ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient holds my student loans and we 've recently set up a income based repayment plan with them. However, their website is an absolute mess. I am billed over {$600.00} every month, but they insist that I just pay the agreed-upon repayment plan amount of {$300.00}. 
Our payment for XX/XX/2016 was recorded for {$300.00} but we 're seeing a lot of red and " Past Due '' notices all over the main page of my account. 
Not only is this happening, but every month when we go to make a payment, I have to decipher their bill payment form because they have 4 different Stafford Loan lines and 2 consolidated loan lines and they do n't know what to tell us when we ask how much we need to pay for each one to add up to the {$300.00}. And simply changing the total payment field does n't work. We 're trying to stay on top of this but nobody at Navient is hearing us. Please advise us. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This afternoon I received a call from a Navient representative who called herself XXXX XXXX. She was calling regarding a missed payment. A few months ago Navient took me off an income only repayment plan and my monthly payment doubled. I was unable to make the new payment so I have been sending as much as I can per month. Apparently that makes no difference. When I told XXXX XXXX that I had not paid because I did n't have enough money in my bank account, she was incredibly rude and short with me. When I said I only had {$400.00} in my account she asked me why I could n't afford to pay at least {$300.00}. Then she asked if I was employed. When I said yes she asked me if I had a job they why could n't I make the payment. She asked me what had changed that made me unable to make payments. My payments doubled, that is what happened. She was incredibly rude and treated me like a criminal when I am in fact sending payments, just not the full amount. She made me feel awful and embarrassed. And this all happened at work, so everyone could overhear me defending myself, then arguing with the woman and finally crying. Private lenders need to offer income based payments like the Federal government does.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have several hard inquires, in which I have never applied for these auto loans. I was not aware that someone used my social until I checked my credit score and seen XXXX inquires that I have n't applied for. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, capital one auto finance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (Medical debt) with Ability Recovery Services, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over 3-4+ years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (OK).
Issue: Other service issues

Complaint: Hi, I did sent mony from XXXX to XXXX {$1200.00} but the system exchange it to current currency and I called customer care to cancel the order and I got approved for that. Four days later I called back WU and they said it is not canceled and we give you points for next transfer. The problem is that the receiver can not get that money because it is not in Dollar. I want you return the money back or make it Dollars. I have called many times and these are the reference numbers XXXX - XXXX. They said the receiver must reject the money first. The problem is that the reciver is not even know where it is. The bank and WU in XXXX says no money come yet. Now, I need a solution or I am going to sue you next week because of difficulties in my business. I do n't respect that happened to me in my first time I use WU. please cancel the order as I requested before on time and return the money back so I can find a better way to transfer or make change to the money to be received on Dollars. Again, receiver can not find it. 
XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/25/2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Billing statement

Complaint: Sam 's Club/Synchrony Bank is manipulating their statement dates and late fee dates to their benefit. For example : My statement dates for XXXX were XXXX ; however the next billing statement is n't till XXXX. This leaves a 7 day black hole. My minimum payment is XXXX. I pay XXXX every two weeks on auto pay. The latest payment fell after the late date but before the end of the statement date. XXXX. I was charged a late fee of XXXX. You would think that the payment would at least be applied to the next statement, but it fell within the 7 day black hole. Their late fee actually falls in the middle of their statement period which actually gives me only 24 days to pay. This is a scam, along with their other policy to move your credit limit down to a point where your interest charge makes you go over your new lowered available credit. AHHHHH!

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 02/15/2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problems caused by my funds being low

Complaint: This morning I looked into my bank account to discover I was XXXX dollars overdrafted, and the reason for this was XXXX and XXXX rides. I contacted my bank representatives and was told by the man I spoke to that the reason this happened was because when the service is requested, the money is withdrawn immediately, but then at a later date it is cancelled, then ACTUALLY removed a few days later, so, when I thought I was being careful and making sure all my transactions were going through, they actually were n't. Yesterday I noticed the first overdraft fee ( XXXX dollars ) had been charged to my account and I was alright with that, figuring something like this had happened, but at XXXX dollars I realized something really needed to be done. I do not think I should have to be charged for things that I had been told I have already paid for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2017 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 status incorrect

Complaint: i try to dispute this trough equifax severals times, specially my last dispute on XXXX XXXX was ignore, XXXX XXXX was ignore as well ( i even send the other party a letter on XXXX XXXX as well ) none of them reply : i tough they all should follow the law, none of was in compliance. ( see attach doc ), sometime they put the account as installment sometimes they reported as collection? this is account was never late ( i been paying my duty since XXXX and it was come in from my work directly ). i was never been notify by the company about any discrepancy, please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried several times to get Seneca Mortgage XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX to do a home modification. They gave me the run around and customer service was rude. After submitting all the documents they requested they had already set a foreclose date on property. This was while I working with XXXX and they still did not help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07/16/2015 about Credit card () with JPMORGAN CHASE & CO. (NE).
Issue: Transaction issue

Complaint: Payed for the same XXXX visa gift cards at XXXX XXXX on XXXX different credit cards. The visa gift cards were accepted twice by the scanner. Manager of store said he tried but could not contact anybody to help with situation. Chase credit card did not back me on the dispute after sending pictures of receipts to them been trying to get resolve. Please help.

Company response to consumer: Closed with monetary relief