milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with Asset Recovery Solutions, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called company and set up payment arrangements on past due amount, It was agreed that I would make payment to catch up and continue service. account still sent to collections without call. I receive notice from dept collector and I would like to look into this company license to collect in state of Florida as of my statement date, because according to what I have looked up they have no information for XXXX on Florida secretary website. I made payment arrangements with company in XXXX of XX/XX/XXXXso my account should not have went to collections at all this fast before I can honor the arrangement, so why am I getting a statement dated XX/XX/XXXX, when did my account go into collections and why was I able to make payment arrangements with the original company to continue my service if this was the case? Is this agency able to collect in Florida as of XX/XX/XXXX? I would like someone to look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Bank account or service (Other bank product/service) with Blackhawk Network Holdings Inc. (FL).
Issue: Deposits and withdrawals

Complaint: I purchased a {$500.00} reload pack from XXXX XXXX on XXXX XXXX, 2015 and proceeded to load it onto Reload 's website. It loaded just fine and I went to transfer to my prepaid card as per normal and it did not load properly. Their website was having technical issues. The next day I logged in and my money was missing. 

As you can see from the evidence, the reload pack number in question is not on the transaction history like all the others. Reload 's excuse is " it happens '' I have been in contact with both several times ReloadIt XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and they both keep blaming the other for this missing money. The reload pack number is XXXX and reload pack number is XXXX the XXXX prepaid card number that I transferred it to is XXXX I need somebody to contact these banks and work it out so that I can use of my funds or have it all refunded back to me in the form of a check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/14/2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Roundpoint Mortgage. I have always escrowed my mortgage since holding the mortgage. When the loan was transferred to Roundpoint, the escrow was moved over from XXXX. Roundpoint continued to reflect my mortgage as escrowed. I ended up having water damage on my house and once I filed a claim, they said i had no insurance. They had stopped paying my insurance company but continued to collect my escrow payments every month. I asked what they did with my money every month and they did n't know. All my statements reflected they were still collecting and that i had an active policy. They ended up getting a forced placed policy in place to correct the error. They later sent me disclosures after the fact and said i was responsible for paying for it for their error. They assessed over XXXX on my accounts, failed to correct the statements and now my payment has gone up XXXX every month. They also sent me documentation saying they were adding it to my princial balance on my loan. I have called on numerous times to try to resolve the issue and even filed with the XXXX who sided with me. They have failed to correct the issue after repeated attempts and no one returns my calls. They can not explain why my payments went up as they state i now have a shortage but i should n't based on always escrowing my account. What did they do with my money all this time?

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 01/16/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Trouble during payment process

Complaint: I have filed a criminal application in XXXX XXXX magistrate court for next Monday. XXXX has not complied with the subpaeona. they sent me a form for deceased husband to sign authorizing access and a bill for {$230.00} to print out copies. XXXX and XXXX have quashed. Chase mortgage in XXXX did not return receipt. XXXX XXXX was informed of noncompliance with certified mail and return receipt numbers. District Attorney was informed of crimes. XXXX. XXXX. Thanks for your influence. Responses but still unproductive. XXXX transfer letter yesterday.See att evidence. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I used my husband 's debit account to pay my student loan bill. Navient would n't take the payment because my husband is not on my loan. They returned the payment and did n't notify me that my bill was due causing late fees and hurting my credit. I am on the IBR plan, and I do n't know how that will affect my payoff. 

I also work in non profit, so I was planning on applying for loan forgiveness after 10 years of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Payday loan) with Internal Check Systems, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received call from unknown number stating they were going to serve me and had a warrant out for me. He said that he was from the XXXX County Courts and to call XXXX for more information. I called this number and it was to Internal Check Systems. I was told they were calling regarding a payday loan for XXXX XXXX XXXX. I advised him that this sounds like a scam since there XXXX for this company had a scam alert. XXXX yelled obscenities at me and hung up. 
I called back and asked for the manager. I was transferred to a XXXX XXXX who told me he was the owner. I asked him if he was a debt collector, why he did he not send me anything through the mail. He advised me that he did a month ago, but would not say what date. I advised him I never got anything in the mail and that this is the first they have called. I asked for him to mail this to me but he refused and said that they would sue me and go to my work or home. I told them I have paid this in full. He told me he would only give me till Monday to send him my response.

Company response to consumer: Untimely response
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX     2017, My  mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,    2017, m y report came back that my current, credit cards were updated with a  XXXX  balance but at this point when  XXXX   XXXX  updated my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was 60 day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract  XXXX .     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an emergency   XXXX   XXXX   so I was n't able to call right away.      XXXX   XXXX  contacted  XXXX   XXXX  to open an investigation for incorrectly posting to my credit report that I was 60 days behind. The cust service woman who spoke with me told me that it would take  10 business days for the investigation to be completed.       XXXX   XXXX  I called  XXXX   XXXX  back as I had not received a letter or call back. The woman who answered the phone stated it would ta ke 60+  days for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would still be  60-90  days before my credit report.     In the mean time my application for my first home will have been declined due to  XXXX   XXXX  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Contacted Transunion regarding several inquiries ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) that were on my credit report, those of which I did not sign a contract with these creditors for their service or their products.

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 09-12-2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I received a check from Carrington Mortgage Services in XXXX XXXX and misplaced the check. I tried to cash the check in XXXX XXXX and was denied by my bank. I called Carrington in XXXX XXXX to request a new check and was told they will reissue it. Subsequently, I called every month to check on the status and received no check. I called them in XXXX and was told that they will reissue it. I called in XXXX XXXX, XXXX and spoke with an agent named XXXX who told me that the check was endorsed and cashed. XXXX told me to request XXXX XXXX ( my bank ) to fax over the letter showing that the check was not cashed. I called XXXX XXXX and they did faxed it to XXXX, the number XXXX gave me. I called back on XXXX XXXX, XXXX and was told by a female agent named " XXXX '' that Carrington never received the fax and the number belonged to another individual. XXXX informed me that she will email XXXX and his supervisor to follow up with me to resolve the matter. They have yet to call me. No one at Carrington had ever called me back to resolve this matter since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: US Department of Justice, FDIC, Office of the Inspector General, federal attorney review, Please. This is a complaint about the Consumer Protection Bureau ignoringrequests on Consumer Protection Bureau filings to have appropriate federal attorneylevels review filings since XXXX, 2015. Most especially, the US Bank filings sinceXXXX XXXX, 2015, should be reviewed by the US Inspector General 's Office, as thisOffice addresses fraud, abuse, misuse of banking systems and supplies, federal lawviolations, general misconduct in banking proceedings, etc. It is the appropriatelevel of Legal Review to have the Office of the Inspector General review howCFPB has handled this matter of filings, since XXXX, 2015, with virtually all requesting, in the opening lines, federal attorney and/or federal agency review, bringing andcoordinating all applicable federal agencies mentioned for thorough dispositioning. 

The Consumer Protection Bureau may be obstructing due processes in law, Obstructing justice, not to comply with customer 's requests. Furthermore, CFPBdiscourages further filings in the future, when there are legitimate complaints tobe filed and knowledge is that the CFPB will block the filings from appropriatelevel of federal attorney reviews. The appropriate and accurate description isinvolving a checking account, but all that has been reported involving US Bank, XXXX XXXX XXXX, too complex to categorize, with serious matters intertwined.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I received my income tax in 2010 through XXXX on a card loan through HSBC bank. I purchased a insurance throught XXXX if anything on my taxes were wrong they would cover it. Well HSBC Bank is saying XXXX over payed me XXXX dollars. I told them I had the insurance through XXXX and I contacted XXXX and they told me they will handle the problem. Well HSBC refused to talk to XXXX to get the problem taken care of. I could not get the problem handled without them letting XXXX getting involved so it became at a stand still. XXXX tried to cotact them and they would not discuss the matter with them. HSBC reported to the credit agency they sent us up with payments and we never made payment saying I was late and missed XXXX payments. WE NEVER MADE A PAYMENT AGREEMENT A ANY TIME. I have filed bankruptcy and included HSBC in my bankruptcy since they would not comply with XXXX. They are 5 years after bankruptcy they are still showing on my credit report I missed and was late on XXXX payments. They have no proff I was late or missed any payments. Now this is stopping me from getting a home equilty lone to purchase a home for my family. Pleas HELP Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We are writing to explain our current situation with our mortgage servicer Wells Fargo. As per out attorney he has advised to file a complaint with your organization based on the reason we were given for a denial. Our attorney has received several of the same worded denial letters all where wells fargo is the servicer of a loan. The exact wording given in the denial is as follows : " We do not have the contractual authority to modify your loan because of limitations in our servicing agreement. '' How is it that our loan owned by XXXX and serviced by Wells Fargo and yet we are not eligible to be reviewed for the making home affordable program. We meet all the requirements to be approved for this program and have attached a copy of our submission that was sent to the bank providing supporting evidence for our qualification for a HAMP modification. 

We do not know where to turn at this point as we are being told our servicer can not help us because of our investor yet we are not allowed to ask our investor for assistance. Please help us receive a fair and proper review for assistance. In the meantime our attorney is looking into the potential for a class action law suit given several recent identical denials from Wells Fargo claiming the investor wont give them permission to offer assistance. 

We can not believe that this would be an acceptable rational given for refusing mortgage assistance. We are asking you to look into this and help us get reviewed.

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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Trans Union is not responding to any of my requests to investigate, verify and remove accounts from my credit file that do not belong to 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 10-11-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This debt collection account does not belong to me. The debt has been transferred to different lenders and also has been removed and then added right back to my credit report. This is re-aging debt which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has fail to delete wrong information on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have never had an account of any kind with XXXX. I have been a customer of XXXX for over 10years. I believe the att inquiry is a result of presumed identity after my wallet was misplaced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-08-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: This is the 2nd complaint with this company, the company does not want to disclose to me where I was double credited. I overpaid one month and have proof of that. CITI never over credited me at all. Also another complaint with the Executive Response Unit team. They only reached out to me once and told me they were going to resolve these fraudulent charges. At the end of the week, i had 1 missed call from this team. I tried reaching out to them but I did not receive any kind of notification. Until i got a letter in the mail stating that I owe XXXX dollars worth of fraudulent charges.

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 06/30/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: My credit card at Costco was switched from XXXX XXXX to Citibank. I did not receive any notice in the change of credit terms. 

After the first cycle with Citibank, my minimum payment went from {$450.00}, to over {$3900.00}. I had put no additional charges on the card. Citibank explains that they require immediate payment of all sums over the credit limit ( which XXXX XXXX did not ). I have objected to the change in credit terms, within 30 days of the transition, but Citibank did not close my account or correct the required minimum payment.

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: These tax liens are self-releasing and should have already been removed off of my credit report. Also, there are other tax liens with different dollar amounts that are incorrect o my credit reports. All liens have been paid and should have been removed in 2014. We have spend over {$15000.00} in trying to solve this matter.

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 06/24/2015 about Mortgage (Conventional fixed mortgage) with MORTGAGES UNLIMITED, INC. (MN).
Issue: Application, originator, mortgage broker

Complaint: First, My husband and I had asked our relator to request that the builder we were using pay the closing costs. No offer was ever drafted to the builder and nothing specifically in the Purchase Agreement stated the builder denied the request, so we assumed our request was address and accepted, so we signed it. I know as buyers we should have follow-up with the request, but we assumed that the person we hired and were paying would do what we asked and advise us if the request was denied so we can alter certain things to fit our budget. 
Second, our realtor referred us to the loan officer she uses for most of her clients. We submitted the necessary information regarding the application process and we were pre-approved. Construction began on the property shortly thereafter. Well, 60 days prior to the estimated closing date approached, which was approximately 3 months after the application was completed, we receive a " Worksheet '' of the outlined costs associated with the closing and our monthly payments. The loan amount was wrong for one, so the numbers were completely off and it has us paying all the closing costs. Once we addressed this with our relator, we asked why an offer was never sent, no response was given regarding this, and she advised that she assumed we knew the builder was not going to pay any closing costs, so never professionally told us. The main issue here is we NEVER received a Good Faith Estimate during this process, 12CFR1024.7, which now I see if a federal requirement. My husband and I were not aware we were suppose to receive this document, that is not our job that is the lender 's job. My husband and I spent a month trying to configure numbers to make the agreement work not that we were required to pay ALL closing costs. Well, my husband and I were not able to commit to a loan that was too high and draining our savings account so we had to back out of the Purchase Agreement, losing our {$6000.00} in earnest money. We had no other choice. We do not want to end up in foreclosure.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation