milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2016 about Debt collection (Medical) with BC SERVICES, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: my dad had XXXX XXXX XX/XX/XXXX.XXXX has continued to bill him even though I paid a {$220.00} copay and XXXX paid a {$180.00} copay.It has gone to collections wrongly. XXXX XXXX was paid in full in the amount of {$800.00} because I did not know there was an ambulance benefit.XXXX now says the debt is settled.XXXX XXXX also never made a claim with XXXX, probably because they liked my payment of the balance than a copay from XXXX. I have copies of all the bills and payments.I feel like they are targeting seniors. I wish they would get audited to prove me wrong. I find it hard to believe we are the only ones they are doing this to.

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 12/16/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Trouble during payment process

Complaint: Refuses to provide access as client to mortgage and escrow information regarding my mortgage which was recently transferred from XXXX XXXX to XXXX. I asked for Escrow and Legal Department to contact me with correct tax and escrow figures and every customer service representative refused to arrange.a call. My letter informing me of transfer of my mortgage loan specifically states that my mortgage will not change and XXXX is changing payment amount and date of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (UT).
Issue: Trouble during payment process

Complaint: Starting with my XX/XX/XXXX payment and with each monthly payment through XX/XX/XXXX in addition to my monthly payment, I included an additional {$10000.00} dollar payment to go to paying down my outstanding principal. This was submitted with the companies own payment coupon and was clearly stated for what each amount was being payed. These additional payments have not been properly posted to my account. 

Before the {$10000.00} payments were credited against my outstanding principal, the next month 's payment was subtracted from it and the remainder credited to my outstanding principal. This has resulted in my outstanding principal balance being too high and me being over charged on interest owed. 

I have written letters to my mortgage company twice asking for this problem to be corrected and my outstanding principal balance to be brought up to date. These letters were sent on XX/XX/XXXX and XX/XX/XXXX. 

The first letter resulted in my balances being corrected for XXXX and XXXX but not for XXXX Another attempt to correct the situation was made by Roundpoint Mortgage but that did n't address the over charges made for interest due and thus did n't resolve the problem. As of today ( XX/XX/XXXX ) my outstanding principal is stated as being {$130000.00} instead of the {$130000.00} that it should be. 

Each month that this continues only compounds the problem. I am being over charged on interest and my payments against my outstanding principal are smaller than they should be.

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 03/31/2017 about Bank account or service (Other bank product/service) with Comerica (NJ).
Issue: Using a debit or ATM card

Complaint: I have been trying to get a statement from my Direct Express card for the year of XX/XX/2016 so I will be able to confront a medical insurance provider of proof of payment of my premium.The only answer I receive from Direct Express is that I will receive that information in seven to ten business days. As of yet after repeated requests is nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I filed a disputed with my credit card company who did n't take same size against the consumer company and let them take {$41000.00} from my account. every time, I contact my bank and the company. I did n't get any result. The company make me an offer to give me back only 10 % on the amount they took from 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 explanation
Consumer complaint received 03-11-2018 about Debt collection (Other debt) with Grant & Weber (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was checking my credit report and saw that there was a collection account for over {$7800.00} that it states it was open XX/XX/2014. This debt is with a hospital. I was not in this state at that time plus I had insurance at that time. I have not ever received any written communication from the collection agency to verify this account. I also went to the hospital and they had no record of this debt. I wrote them a letter and informed them that this is not my debt and asked that it be removed from my XXXX  credit report and all others. This company refuses to remove this erroneous information from my credit file.

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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do not recognize nor did I authorize the following inquiries to be made : XXXX XX/XX/XXXX Equifax Mtg XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: For more than a XXXX I have been trying to obtain a short sale on my property at XXXX XXXX XXXX XXXX, in XXXX, Californina. The lender which is Chase since the beginning has been taking a very long time to help us. We have a new buyer with the short sale approval asking price, we submitted the offer and since XXXX XXXX we have not received any communication back from the lender. Chase is ignoring all my Realtors email requests, they say they will reach out within XXXX hours back to us and never do. We do n't even get an acknowledgement from them. We also tried to reach out to the supervisors and they ignored us too. I need them to help us. To keep us posted on what is going on. To work in my file because the buyer will remain interested in the property. To be kind enough to reply to my Realtor.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: I was contacted by a collection agency about a credit card that I did not know existed. After speaking to them they agreed to turn the debt back to Bank of America as a possible fraud situation. I contacted B of A 3 times by letter explaining that I did not live at the billing address and had n't since XXXX. It appears that my ex wife was using the card, I asked for a copy of the card application and the charges, I also gave them my correct address. This started in XXXX, to date there has been only XXXX response which states that they changed my address in XXXX XXXX. In the mean time they charged off the debt and sent me a XXXX this year for over {$10000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Mortgage (Conventional home mortgage) with 21ST MORTGAGE CORP. (FL).
Issue: Closing on a mortgage

Complaint: I closed on the sale of my home on XX/XX/XXXX. I have not received my funds from the sale because XXXX XXXX XXXX is refusing to release the Lien and Title until XX/XX/XXXX. I spoke with XXXX XXXX  on XX/XX/XXXX and was told that they had received the payoff check on same date. As per conversation with them on XX/XX/XXXX and XX/XX/XXXX. The Realtor has her commission. The purchaser has her house. 21st Mortgage Corp has the entire payoff for the house. And I have no home, no money and am on the verge of being homeless effective XX/XX/XXXX. There appears to be something very wrong with this picture. I NEED HELP NOW before I resort to having to live on the street. I am being placed in this situation because 21st Mortgage Corp is holding the Title and Lien for my home hostage until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Other mortgage) with BB&T CORPORATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I bought a home with a typical loan with BB & T. We planned to renovate and a few months later ( after getting architectural drawings done and hiring a general contractor ) we worked with BB & T to replace that mortgage and close on a construction loan that will convert to a regular mortgage upon construction completion. Our closing statement ( which I will attach to this complaint ) stated we would pay interest only for year 1 in the amount of {$950.00} and then our payment would convert to a typical principal and interest payment in year 2 and continue for the duration of the loan. We received our first bill with a different interest payment ( {$1500.00} ) that accounts for the amount of construction that has been completed to date. While this is logically fine, this is not what the paperwork stated at closing. We feel BB & T did not adequately articulate how our payments in the first year would work. 
In addition, I tried to make a payment both online and by phone for our first mortgage payment and was told that for the first payment I must go into the bank to make the payment OR send a check. No where on the bill does it state this restriction ( I will enclose the statement/bill as well ).

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 04/20/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NC).
Issue: Making/receiving payments, sending money

Complaint: I signed up with Bill Me Later. I linked a bank account to make payments on that account. When paypal brought out Bill Me Later I suddenly have a Paypal credit account. So my bank account remained linked now to my Paypal credit account. Paypal was always suppose to use my paypal credit for any charges. It went this way for a long time. Then suddenly last month Paypal used my linked bank account to make charges. I called them and informed them I never authorized my bank account to be used as a form of paying for items. It is only used to make payment to paypal credit. They said okay and now they have charged my bank once again and caused the account to overdraft. I have never linked an account to paypal only to Bill Me Later which turned into Paypal credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Settlement process and costs

Complaint: XX/XX/XXXX I applied for a Mortgage Modification Loan with Chase Bank to save my home from foreclosure. The week of XX/XX/XXXX I received documentation that my modification had been approved for a trial modification from XX/XX/XXXX-XX/XX/XXXX and then the final modification would be mailed to me before XX/XX/XXXX. On XX/XX/XXXX the Chase Representative called me and explained the terms of the modification. I signed the agreement and faxed, and mailed the originals back to Chase via XXXX. XX/XX/XXXX I received a call from XXXX. VP for Chase advising me that the agreement was void due to an error made by the underwriting department. I asked XXXX since I had signed the agreement and it was a legal binding agreement could this be done, she advised that it was an error to approve the modification because my mailing address is not the same as my physical address and it should not have been approved. I advised that i would get legal advise and she advised that was my choice but can be time consuming vs reapplying after changing my mailing address and mailing address on my tax returns. After obtaining legal advise It has been confirmed that this is illegal and considered " predatory lending ''.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I am currently unemployed since XXXX 2015, position was eliminated and have been aggressively seeking employment. I was able to stay afloat with income tax returns but now I am falling behind now 2 months mortgage payments and car notes along with monthly utility bills. Single parent of XXXX sons and I believe I 'll be getting a job real soon. I just need a little help to pay what I 've fallen behind on and I can get back on track. Thought moving from the city to the suburbs to give my children a safer place to live and better opportunity to succeed in this world without dealing with bullying and senseless crime. But I need a little help. So please if at all possible I need financial help until I get back on my feet financially.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 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: See attached settlement letter .... Yet this Collections Account is shown on my credit bureaus for debt owed to XXXX XXXX XXXX although was settled with law firm. 

All information for collections reporting has incomplete details on credit reporting bureaus and should be removed. 

Account is settled.

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 02/22/2018 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (CO).
Issue: Struggling to pay mortgage

Complaint: My husband and I were separated in XX/XX/XXXX for almost one year. During this time, he did not have an income untilXX/XX/XXXX. XXXX  XXXX  XXXX allowed an unemployment forebearance at {$420.00} per month. XX/XX/XXXX was a difficult month, so I called and asked if we could pay XXXX and XXXX together. The CSR stated " yes, that should be fine. '' We paid for both those months in XXXX. In XXXX, we started the modification process. We did not hear anything in XXXX. I started calling and they would ask for another piece of paper. I have so many applications and documents completed over and over again and faxed in. Each week, I would call and they would need a different piece of paper. It is almost as if they are trying for us to lose our home. There are several issues here ; I am on the deed and one CSR told me my husband had to authorize me to talk with them and another stated he didn't. Initially, we were not educated on the forebearance and how the mortgage accumulates and then it has to be cured if a modification hasn't been reached. I have called them every week. We just got turned down for a modification. We submitted an appeal on XX/XX/XXXX. I am sure we will get denied for that as well. I feel that the customer service agents are not trained well, do not have the same information and are extremely lax on helping customers. We can now resume a mortgage payment due to my income. Flagstar has not been transparent and has given us the run around. I am complaining to you and will be calling HUD and FHA with complaints as well.

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contact all 3 credit bureaus to inform them of fraudulent activitys on my credit.i also sent copies of police reports where there were someone who was arrested for using my name my social security. I would appreciate all things on my credit be removed and not placed back on my credit with this fraudulent activity it stops me from being able to get credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I 've received multiple emails from Navient on the XX/XX/XXXX. All of the links in the email does n't work with any of the browsers on my computer, ( XXXX XXXX, XXXX, XXXX ),  and I 've tried multiple calls to Navient on the XX/XX/XXXX through the XX/XX/XXXX ; they all claim that the site is fully functional, and the links should be working. 

I 've went ahead and gone directly to the website, and the site loads, but once I attempt to get to the login page, all the browsers still state that the site is non functional and " ca n't provide a secure connection ''. This makes me feel questionable about Navient and its security practices, if their own sites ca n't even make a secure connection to my personal information about me and my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX a repo company tried to come to my mother 's house and repossess my car. My mother is a loan manager herself for a local credit union and works with this company so was obviously completely embarrassed and called me right away. I was told that they were coming within 24 hours to take my car because XXXX said I had not paid on it in 3 months. Long story short I have always gone through the drive through since my branch was XXXX XXXX and paid my car loan. For the last 3 months whoever was working the drive through window put my payments on the WRONG ACCOUNT. I called and was told I needed to bring proof that I had paid. I got my bank statements and printed out the cancelled checks and took them in. They never apologized and acted like it was no big deal. I told them I needed a demand letter stating exactly what happened ( this is in my BBB complaint ) and for my credit score to be wiped clean ( it had significantly dropped due to these fraudulent " missed payments '' ). I was assured of all of this. After filing a complaint with the BBB, someone called and said that they still had no idea why my payments went into the wrong account ( so now I have to worry every single month when I go in to pay ) and that my credit report was fixed. Just looked at my credit report and it is fixed for XX/XX/XXXX payment fur XX/XX/XXXX payment is still showing missed and my credit score is still significantly down. I 've still never gotten an explanation or apology from the branch and my mother being a loan manager is appalled at their business practice and I 've asked for a credit multiple times and have been ignored. Why are they able to benefit off of my money and go on with their " business '' as they 're wreaking havoc on my life and causing me unwarranted stress. I need my credit report wiped clean of this immediately, and once again feel I should get some sort of credit to my account for all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 sent certified letter to  XXXX , experian and  XXXX , stating that there was n't anything in the federal regulations or guidelines requiring them to continue to report a dismissed Chapter  XXXX  bankruptcy, and requested it be removed. They received the letter and changed the date on my report showing the dismissed Chapter  XXXX  Date of report  XXXX / XXXX / 2017 . The date the received my later in which is not true. I have copies of my previous reports to prove they changed the dates. And I also hav e for two  years have been disputing  XXXX  other accounts in which they have not giving me no information whether the accounts have been verified, but refused to remove my credit report.  XXXX   XXXX  and  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 05/23/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I contacted  XXXX  by phone and they are refusing to allow me to access the money credited to me by  XXXX  currently on my account. I have contacted them multiple times by phone and they also are refusing to return the money to me by check or other means.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company has foreclosed on my home after it was put under the civil service protection act in XX/XX/XXXX. The initial paperwork said that no Legal proceedings would take place until XX/XX/XXXX. After recent investigation it has also been found that this same company falsified documents and committed other illegal foreclosure proceedings. They are currently reporting this fraudulent erroneous information to the credit bureaus. This company has did my family and I a great disservice. As a XXXX XXXX XXXX veteran I am disgusted with their illegal practices. Please investigate this company. This is not the first time they have been under investigation for practices such as this. I truly am in awe of the practices the government allow to take place by these big banks who just misuse mistreat and cheat our veterans. The ones who stood on the front line for this very country.

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