milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received the house at issue in my divorce and have been paying for it exclusively since XX/XX/XXXX. In XX/XX/XXXX, my ex husband declared bankruptcy. Roundpoint Mortgage Servicing has refused to communicate with me about the loan - the amount due, the pay off amount and timeliness of payments. My ex-husband 's bankruptcy was discharged XX/XX/XXXX and it has been closed since XX/XX/XXXX, and still Roundpoint has refused to provide to me any information regarding the loan, despite numerous telephone calls and letters

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Transunion is not giving me any infromation on how the have validated this account I have disputed and asked for them to furnish me the information, due to me persoanl not being able to contact this company. So I need to know how are they contacting the company if I can not.

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 09/24/2017 about Debt collection (Other debt) with ProCollect, Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This complaint is to inform you that I recently received a copy of my credit report from XXXX, XXXX and XXXX, that publishes information that Pro Collect Inc reports on my credit file and after reviewing it I found a number of items on the report that are inaccurate. The original creditor which was XXXX XXXX XXXX sold this debt to Pro Collect Inc ( a collection agency ), XXXX XXXX XXXX also wrote off this debt in the amount of {$3000.00} and {$560.00} on their taxes which wrote off my obligation to pay. The original contract between XXXX XXXX XXXX homes and myself was cancelled. I have no obligation and no contract with Pro Collect. Please remove this debt from my credit file.By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Medical) with Kinum, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX from XXXX XXXX XXXX XXXX. He did not disclose from where he was calling, or representing. I googled the number and it comes up with many complaints and the name " Fidelis '' which is also a large XXXX in XXXX New York - This issue is for a dental bill for which he told me was {$360.00}. I told this XXXX XXXX that we have been in contact with the dental office, and our former insurance carrier about this - that it has been an ongoing issue and not one that we chose to ignore, or not pay. He is bullying, rude, condescending, and threatened me with a lawsuit even after I explained the history. I called my XXXX office, XXXX XXXX XXXX immediately afterwards, and spoke with the office manager who told me that XXXX XXXX has his figures wrong. XXXX his date, and the amount of the bill which is {$100.00}. This begs the question where the other expected {$260.00} would go had we paid this incorrect amount. Right into XXXX pocket.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Will have to review dates, amounts and actions that I took in response to charge made by XXXX . XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. All amounts charged by XXXX . XXXX were disputed both with credit card company and with XXXX . XXXX. Refund was issued by XXXX . XXXX. For some reason the statements that were filed in response to the last complaint issued for not receiving accurate information through online account system regarding payments and not receiving statements regularly included " re-bills '' of the amounts charged by XXXX . XXXX. This was not agreed upon and since the amounts were initially disputed and refunded over at least two and half years ago, they appeared re-billed on the statements in XX/XX/XXXX or XX/XX/XXXX. Again, this is the type of activity that raised suspicion whether or not the balance reported through this credit card company was accurate.

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 05/29/2015 about Debt collection (I do not know) with First National Collection Bureau, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting repeated harassing phone calls where no one even speaks when I answer. According to caller ID and XXXX phone bill these calls are coming from FNCB INC at ( XXXX ) XXXX, a debt collection agency. 
I have not debts in arrears, These people have not written me nor talked to me on phone-just repeated calls with no one there when I answer. 
Called me XXXX this morning and woke me up at XXXX XXXX and XXXX XXXX. I am ill and in bed and harassed by this dumb tactic? 
This company also called two weeks ago and same thing-no one spoke when I answered phone. 

Is this some new bizarre tactic by bill collectors?? Harassing calls without even speaking to the people they bother by calling? Unprofessional.Maybe if they can get me to call them it opens the door for more contact?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit card () with SYNCHRONY FINANCIAL (OR).
Issue: Payoff process

Complaint: Synchrony Bank did NOT adequately remind me that my promotional " Zero Interest '' was nearing it 's completion. I set up and fully executed a {$300.00} am month automatic payment AND, here 's my mistake, EMAIL statements, trying to save a tree or XXXX. The combination of automatic payments, email 's whose only subject was " Your statement is ready '' and human nature, I missed the end of the promotional period. I originally borrowed {$9000.00}, paid it down to {$3600.00} and then they added MORE THAN I OWED in interest : {$3700.00}. I paid two more auto payments before I noticed on the statement that I owed something like {$6800.00}, which was a whole lot more than my Quicken account had on it. Two calls to the company provided no relief. 

It is true that they are within the provisions of the agreement. They won the game. I lost, and yet I feel liked I got XXXX. When I reviewed my email statements, the ONLY place in which they gave me what I presume to be the legally required notice regarding the pending end of the promotional period, was on the statements which I had to open online and were NOT distinguished in anyway. Apparently, the law does not force them to make the " end of promotional '' statement stand out. This company probably complied with the law but NOT any concern for making me aware of my pending XXXX. 
At the very least, I believe they should be legally obligated to announce the pending end of the promotional period IN THE SUBJECT LINE OF THE EMAIL. I believe the laws are inadequate in this regard. 

I have the money and will certainly pay it off and close the account, but I 'd sure like a response from someone about this before I do so. I also at least intend to call attorney 's I found online who stand ready to sue this company.

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 10/27/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Payments are held and/or destroyed by automated processing equipment. My payments are " made months ahead of time '', " I am not behind ''. I made XXXX payments in XXXX for XXXX, XXXX, XXXX. & XXXX, XXXX payments were processed, XXXX was lost. All XXXX payments were in the same envelope. Last week XXXX XXXX I made XXXX payment again. Mailed first class to local XXXX address. M.O. for {$1000.00} & Personal Check for {$280.00} total equaled my required monthly payment of {$1200.00}. Ditech does not show receiving this payment. 
Back in XXXX XXXX Ditech held my payment until a late charge was due. In XXXX XXXX Ditech refused to credit my XXXX XXXX payment because XXXX late charge was due. Instead of crediting my payment Ditech put the payment in unapplied funds. They said they did that and would not apply the payment until the late charge was paid. My Deed of Trust says all payments shall be applied as follows : Late charges are last in line. The Deed of Trust does not give Ditech authority to not apply payments if a late charge is due. This company is not applying payments on a timely manor and is creating late charges by holding checks and the automated equipment is not working properly and is destroying checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2018 about Payday loan, title loan, or personal loan (Payday loan) with Ad Astra Recovery Services Inc (IN).
Issue: Received a loan you didn't apply for

Complaint: I told them I was unaware of the account and they failed to provide any notice or any documentation proving I applied for the loan. 

XXXX XXXX,2015 {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Payday loan, title loan, or personal loan (Installment loan) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Struggling to pay your loan

Complaint: I obtained loans through XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Pa XXXX. I began struggling with financial issues and they actually showed up to my residence and left a letter in my mailbox even stating that they stopped by my home which is a complete violation of my privacy. I have both letters showing this. It was signed by Branch Manager XXXX XXXX which was very unprofessional being a branch manager or even if it was just a sales person. I feel this is a form of harassment coming to my home and need to take action for this. I can provide any documentation necessary about this company. I always made my payments on time until I fell on financial distress and now I 'm trying my best to do what I can. Please if you can help in any way with this company. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (WV).
Issue: Struggling to pay mortgage

Complaint: Borrowed {$130000.00}, from J.P. Morgan Chase at 6.75 % and charged {$180000.00} in interest over 30 year loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (I do not know) with ERC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Enhanced Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: MY EX DAUGHTER IN LAW CHARGED MY DISCOVER CREDIT CARD WITHOUT MY AUTHORIZATION OR KNOWLEDGE TO {$3900.00} WORTH OF CREDIT CARD CHARGES WHILE I WAS IN XXXX ON HOTEL ROOMS AND FLIGHTS FROM XXXX XXXX TO NEW YORK FROM XX/XX/XXXX-XX/XX/XXXX ON XX/XX/XXXX MY DISCOVER CARED WAS CHARGED {$2000.00} FOR XXXX XXXX XXXX XXXXXXXX XXXX XXXX. THE NAME OF THE RESERVATION WAS : XX/XX/XXXX WITH MY HOME ADDRESS ( XXXX XXXX XXXXXX/XX/XXXX ... ). THERE WAS TWO HOTEL GUESTS : XXXX XXXX XXXX XXXX XXXX. THEY STAYED FROM WED XX/XX/XXXX TO SUNDAY XX/XX/XXXX ( HAVE HER FALSELY SIGNING MY NAME WITH HER PERSONAL INFORMATION ( HER PHONE NUMBER & HER EMAIL ADDRESS ON THE DOCUMENT TO XXXX XXXX. XXXX PHONE : XXXX SHE ALSO CHARGED MY CREDIT CARD FOR XXXX XXXX XXXX TICKETS FOR BOTH THOSE UNKNOWN INDIVIDUALS ( XXXX XXXX XXXX XXXX XXXX ) FROM WEDNESDAY XX/XX/XXXX-SUNDAY XX/XX/XXXX - FROM XXXX TO XXXX XXXX, CONFIRMATION : XXXX. JXXXX XXXX  PHONE : XXXX MY SON DISCOVERED THIS INFORMATION THIS YEAR WHEN HE WAS ABLE TO LOG INTO HER EMAIL ADDRESS THRU XXXX AND FOUND OUT MY CREDIT CARD WAS FRAUDULENTLY CHARGED. ALSO, AT THE SAME TIME IN XX/XX/XXXX, I WAS IN XXXX. I CAN PROVIDE DETAILS OF MY TRIP. I INFORMED DISCOVER CARD, AND THEY DENIED THE FRAUD HAD BEEN COMMITTED, EVEN THOUGH, I HAVE BEEN A LOYAL CUSTOMER FOR MANY MANY YEARS AND I HAVE THE INFORMATION INDICATING THAT MY EX DAUGHTER IN LAW COMMITTED FRAUD ( SIGNATURES AND APPROVAL INFO ). THE TOTAL OF CHARGES STEMMING FROM THE FRAUD WERE {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: equifax XXXX blocked me from getting my report and when i have disputed items they have said they mailed out the paperwork but i have never got it im trying to fix identity theft issues and they keep putting me in the special handling dept and will not let me pull my report from any credit monitoring service all i want is to be able to pull me credit report to see what changes have taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Since Specialized Loan Services ( SLS ), has assumed responsibility for my mortgage XX/XX/XXXX, I have experienced ongoing issues ( i.e., misc unexplained fees charged to my Escrow Account, additional principal paid and not applied, payments being significantly increased without justification and/or notice, etc. ). 

On XX/XX/XXXX I contacted SLS as I received an " Intent to Foreclose '' notice. I immediately called and spoke with XXXX. XXXX stated I had been XXXX cents short in my last 13 payments and owed {$1.00} to bring my account current. I was told that due to my BK status, I was not provided any documentation/notice ( NOTE : My BK was completed and case closed on XX/XX/XXXX ). I paid the {$1.00}, reviewed my payment history with XXXX and was assured my account was current and I only owed upcoming XX/XX/XXXX payment in the amount of {$1100.00}. I was also advised by XXXX that they will now send me monthly statements and first one was mailed to me on XX/XX/XXXX. To date, I have not received the statement. 

I logged into my SLS account on Friday and saw a past due balance and notification they have a 'SUPPRESSED - BAD ADDRESS '' for me. I called SLS today as they were closed yesterday for the holiday. I spoke to XXXX ( Supervisor ) regarding address and confirmed the address SLS has on file for me is my correct address. She also told me my account was 60 to 90 days past due. I was then transferred to XXXX in Executive Services, who informed me her records show I was 90-days past due and that every month I make a payment, it is being applied to previous months. I let XXXX know that I have never been late with my mortgage payments and had been through this for over 2 years with SLS. I let her know that their accounting systems are incorrect not to mention NOT transparent. I explained my frustration that every time I speak to an SLS representative, I am told a completely different story about my account. I let her know I have an XXXX spreadsheet noting every payment made to SLS and date my checks have been cashed. I also told her I have {$520.00} in additional principal paid XX/XX/XXXX and XX/XX/XXXX that no one has accounted for to date ( has not been applied to principal or escrow account ). 

I am filing this complaint as a matter of formal record to complain about SLS 's accounting system/ lack thereof. How on XX/XX/XXXX can I be told I am current and 11 days later I am advised I am 90 days past due? Attached is my XXXX spreadsheet for your perusal.

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 07/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended a financial aid meeting with a friend at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX XXXX XXXX, XXXX, PA XXXX. My friend was told that he would not need any private student loans because he would receive grants and federal student loans. I was asked to give my information to be used as a reference only. I did not question why my social security number was needed. I was added to a loan application as a cosigner without my knowledge or permission. All documents were signed electronically so I can not dispute my signature. The school applied for XXXX loans with my information. The XXXX loan was denied. The XXXX and the XXXX loan were approved. The school representative requested XXXX for one of the loans and XXXX for another loan. Those amounts were very high and again not necessary due to the PA state grants and federal loans my friend would receive. At the end of the day I am on the hook for over XXXX in private loans. I have battling back and forth with Navient formally XXXX XXXX about these accounts. Despite the charge offs I have a credit score in the XXXX. I was taught about credit at a young age and I would never have cosigned for a loan. XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX closed its doors in 2012 making it impossible for me to dispute any claims. XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX has been named in a class action lawsuit for fraudlent behavior and I feel that I am one of their victims. The loan was charged off of XXXX XXXX 's books years ago. I contacted XXXX XXXX XXXX the collection agency for XXXX XXXX and they were unable to send me information on the loan. I learned of the loan being handled by Navient by looking at my credit report. I contacted Navient and I was told by a Navient representative to dispute it through the FCC.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Billing disputes

Complaint: I purchased a pair of earings from a vendor named XXXX at a festival on XXXX XXXX, 2016. This purchase was correctly charged to my Wells Fargo XXXX XXXX card by the vendor for the sum of {$59.00}. I then decided to buy a second pair of earrings. This time the vendor fraudulently prepared the credit card slip in the amount of {$540.00}. The actual price for the earrings was the same as the first pair : {$59.00}. I did not notice the fraudulent change and signed the credit card slip. 
Please note the attached exhibit of XXXX 's inventory from its website at XXXX. Every item carried by XXXX is priced between {$27.00} and {$55.00}. It defies believe that anyone would purchase {$540.00} worth of merchandise from a vendor at a festival operating from a tent! I have made every effort to locate the XXXX company without success. There is no business address on its website and I could find no listing of any such business on file with the Georgia Secretary of State. 
I have reported this fraud to Wells Fargo twice. Wells Fargo has refused to adjust this charge.

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 08-04-2016 about Credit card () with NAVY FEDERAL CREDIT UNION (CA).
Issue: Billing disputes

Complaint: My family and I went to my stepdad 's funeral XX/XX/XXXX. The house was full of people, our XXXX year old son was allowed to use his Samsung Galaxy device to play games while all the adults were busy taking care of our grieving mother and other arrangements. The house was full of people ( family and friends ) from XXXX XXXX until XXXX XXXX when we left to visit my sister. 

My son asked me to buy something from the google play store for which I entered my credit card and password. I believe the charge was about {$2.00}. I authorized only that one payment. 

Over the next few days, someone got a hold of my son 's device and somehow managed to make over XXXX purchases using my credit card. His device is set to always require a password, but somehow someone bypassed it. We called google to dispute the charges, and we called visa. Neither is refunding the charges which are about {$9600.00} XXXX nor XXXX bothered to verify with us whether these charges were being authorized by us at any point during the purchases. In the past, I 've been hassled whenever I tried to purchase XXXX small items back to back, but now when the charges ranged between {$0.00} and {$100.00} noone bothered to warn us. 

We were so busy with the funeral and family in town, we never bothered to check our accounts online. We have completely lost faith on our ability to keep our accounts safe when neither XXXX nor XXXX are willing to do anything about our situation. They expect us to pay for something we did n't buy. I do n't even know what was purchased!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation