milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
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: On the XXXXXXXX I made a payment at capitol one credit card for {$1800.00} I have emails confirming the payment posted however on XXXX XXXX XXXX XXXX capitol one charged me again for the same amount, purchase adjustment, I called XXXXapitol one and they said they charged me twice and I will pay twice and they wont refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We had a home that we were behind on payments. We were trying to sell it and we continued to fall behind on our payments. We eventually found a buyer for our house and during this whole time we kept in touch with Ditech on the situation. We were told that we are okay to sell our home, that it is not in foreclosure and we do not need a short sale. So prior to our settlement to sell our home we were issued a payoff from Ditech ( they issued XXXX different payoffs within a week of each of them but the XXXX one we were told was correct and that we can proceed to settlement ). This payoff had tons of late fees, and charges and lawyer fees and we just decided to move forward with selling it. We went to settlement, sold the house, signed all the documents and the Deed to the property. The money was wired to Ditech to pay off the mortgage. The Title Company even cushioned the wire with several days of interest. So 7 weeks later, instead of us receiving the additional cushioned interest back to us. Ditech wires back the money to the Title Company. The Title Company ( and all mortgage professionals that i have contacted ) have never heard of something like this happening and tried to contact Ditech to find out why they sent the money back. Ditech would not talk to them so the Title Company called us to help them get information on what was going on. We spent hours on the phone to find out that Ditech had an error on the Payoff and did n't add on {$12000.00} of supposed Attorney fees. When we asked for an itemization of the Lawyer fees, they issued a new payoff with NO lawyer fees and other misc charges that they decided to charge us, plus they added a year of Homeowners Insurance that is not needed on the property that they want us to pay. This is scandolous! First, they kept the money for over 7 weeks!! The people are moved in and making Mortgage payments on their new house that they think they own it. Second, Ditech stated that the additional money that we owed was due to Attorney fees but after requesting for an itemization of those attorney fees they called the fees something else entirely. Their only claim was that Ditech 's Payoffs are not definite and they have the right to change their minds on what money is owed at any time!!!! Please help!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (FHA mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: We paid off our mortgage. A refund check around {$1500.00} was mailed on XX/XX/XXXX. We were not contacted until letter dated XX/XX/XXXX that it had not been cashed. After calling them on XX/XX/XXXX, they assured us that a stop payment would be issued and a new check mailed. After not yet receiving the check today, XX/XX/XXXX, we called to check on the status and were told they would check on it and get a call back by next Tuesday, XX/XX/XXXX. Unacceptable that a company would retain someone else 's money for an indefinite amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (CA).
Issue: Cash advance fee

Complaint: I have been a member of XXXX bank for many years but this year 2016 I had obtained a cash advance in the amount of {$10000.00} from the union bank on XX/XX/<YYYY> XX/XX/2016 with 5.99 % interest rate as a promotion. At that time XXXX bank was using The first bank Card services and I had always made the monthly payment on time and never late. Starting XX/XX/XXXX, I received a phone call that the payment was never received and charged late fee which was post it in XX/XX/2016, after I had made the payment and received a confirmation number?? 
My account was transferred back to XXXX bank with a new visa card and I was being charged 14.99 % interest rate since XX/XX/XXXX. When I called to inquire about the increase interest rate, I was told because my account now was with XXXX Bank?? it seemed rather strange that my account had always been with the XXXX bank. The monthly statement reflected 5.99 % rate and still my payment showed I am responsible for 14.99 % according to the XXXX Bank representatives? many phone calls and hours and hours of being placed on hold have not resolved the issue and the discrepancy?

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 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 status incorrect

Complaint: This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in complian ce with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It  is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of t he FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items that appear on my credit report as :  1.  XXXX   XXXX   XXXX   #  XXXX  2.  XXXX   # 1  XXXX   3.  XXXX   XXXX   XXXX   # 1 XXXX , #  XXXX ****, #  XXXX These account are a violation of HIPPA Act. Never done business with   XXXX   XXXX  . please pro duce a copy of my signature or contract or delete account error.    4.  XXXX   XXXX   XXXX   # 1 XXXX These account are a violation of HIPPA Act. Never done business with   XXXX   XXXX  . please produce a copy of my signature or contract or delete account error.     5.  XXXX   XXXX   #  XXXX this account has no contract error please delete nev er done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (ID).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Portfolio Recovery. 

We had 5 credit card accounts. Our credit report shows " no late payments '' " ever '' until XXXX or XX/XX/XXXX. 

We took out Chapter XXXX Bankruptcy on XX/XX/XXXX. All payments were current. We were told the trustee would pay the cards and no further interest would be charged. We took out Chapter XXXX to hopefully settle some things on our house. Every bill we had was current and paid to date. Again, there is continued perfect history on our vehicles, electric payments, insurance, etc. 

As soon as we filed the bankruptcy paper, our credit cards closed the account. In addition, as we find out two years later, the credit card companies immediately sold the debt to collection companies for pennies on the dollar. It was not to collect for them as the trustee would have been paying them for the next 5 years. 

After settling on the house, we withdrew from the bankruptcy. We saw Portfolio Recovery checking our credit. Then we started getting calls from them. They said they were collecting for the credit card companies. We settled 3 of the accounts as agreed and were doing payments of the other two for 5 years. 

Every month, portfolio as a collection agency, is stating that a late payment is received and reporting it on XXXX 's credit report. They also reported my payments to them when paid in full as late. 

Our insurance company on our house told us we were a poor risk and raised our premiums because we made late payments to a collection agency. 

Attached are a viewing of XXXX and XXXX payments that they automatically take from our bank account. Again, we receive and the credit report shows that the payment is late. 

Portfolio Recovery is a debt buyer not a collection agency. They are destroying our credit history by reporting it late and that " we were sent '' to collections. AGAIN THIS IS WRONG. They bought the debt -- period. Now they continue to ruin our credit by false reporting even though they are getting paid every month on time as they agreed. 

We do n't think they should be allowed to report payments this way and ruin our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Medical) with I.C. System, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am trying to improve my lifestyle and I noticed this inaccurate account reporting on my credit report. I do not have any knowledge of this debt. I believe they may be violating HIPPA laws by reporting this information. They are destroying my 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 06-02-2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: My home mortgage was transferred from   XXXX   XXXX   XXXX   to Freedom Mortgage   XX/XX/XXXX  . The loan was paid off   XX/XX/XXXX .  Freedom Mortgage reported a 30 day late for the month of  XXXX  to  XXXX   XXXX  and  XXXX . I have uploaded a copy from  XXXX , showing the account in good standing and not late.   From my understanding according to RESPA  Federal  Guidelines companies are not to report late payments during the first 60 days of the transfer. I have spoken with several customer services representatives who agree this is true and that it should be corrected. I have been trying to resolve this since  XXXX . I have been told that it will take 30 days, to no avail. Then I was told it has to be manually input into the system because it 's paid off, no avail.    Freedom  Mortgage has yet to update my account as paid with  XXXX   XXXX  and  XXXX . They reported the 30 day late after the loan was paid in full and said they have the right to do so because the RESPA expired. I also did not receive a my discharge of mortgage until   XX/XX/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 08-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NV).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a two Chase Accounts. One the payment is due on or before the XXXX of the month and is paid by me on the XXXX of each month and there is no problem. However the other Chace account is due on the the XXXX of each month. I pay this one on the XXXX of each month as well ( early ) The Chace account that is due on the XXXX charge a late fee if you pay early. Most credit cards if you call them and let them know that you were not late and it is in the companies error, they will credit your account the late fee as you are on the phone talking. Chase does not do this. Chase wants your late fee first and then credit you later. I believe this is totally wrong as a consumer and it is penalizing the consumer that pays early or on time. This has happened twice so far the most recent today on XXXX XXXX, 2017. the last one was XXXX XXXX 2017 I believe. We have talked to a representative and they will not credit the late fee of XXXX. I would like this looked into for others that are having the same problem, Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-09-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Some hospital sent me a letter saying that i was admitted and that I owed them money ; So I called right away and asked " what is this '' So I gave my name and dob. when they saw that Dob. did not match some lady said " Oh this is not you I will take care and remove it right away " I said thank you and then went on with my life : until I started getting harrased by some bill coll. company with letters and phone calls about once twice a week.at that time I had never been in a hospital. this started about 4 years ago give or take some months. the name does not match also

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Credit card) with Nelson Cruz & Associates LLC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I was called by a debt collector who did not identify who he worked for. I told the debt collector that the only income I have is my XXXX. I have XXXX XXXX and have been XXXX since 2008. 
Long story short ... the representative at XXXX XXXX and associates told me the law had changed and he could sue me for XXXX plus ( that is XXXX my balance ) because now creditors can take 15 % of my XXXX income and I had better look up the new laws cause they had changed and now they were coming for me. 
I called back to find the name and mailing address of the company calling me and I was transferred to another representative named XXXX XXXX. I informed her of the tactics her associate was using. I also informed her that there had been no such law changes ... she said I was right. She then started with this magical amendment I apparently signed so they could come after me anyway. This does not exist either. My concern is that if they are doing this to me they are using these tactics on others. 
I will also be requesting debt verification because all their info is wrong ... that account was involved in a chapter XXXX bankruptcy

Company response to consumer: Closed
Consumer complaint received 09/19/2016 about Debt collection (Medical) with Central Portfolio Control Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Central Portfolio Concern, based out of XXXX, has called my wife and I several times regarding a debt that we are not acknowledging as accurate as we have no record of it from XXXX. We have asked several times, on what they say is a recorded line, that we are not acknowledging the debt but need a mailed statement. They have verified our mailing address several times as well as email and assured us multiple times that we would receive some sort of letter in the mail or by email. It has been going on for almost 2 months and we have not received any written documentation or email regarding this attempt to collect. They have been rude and accused me of being rude when all I want is information about the alleged debt. We have been checking the mail incessantly as we are trying to purchase a home and are concerned this will affect our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was denied an apartment with XXXX XXXX on XX/XX/18 because of my credit score. Upon looking at my Experian report, I noticed several inaccuracies. When I attempted to contact Experian online, I was told my dispute could not be filed.

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 11/25/2015 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: A couple of years ago, we were introduced to Nationwide Biweekly Administration regarding a Mortgage reduction plan they were promoting. After speaking with them, they ensured us that there were no up front fees other than a {$3.00} processing fee taken from our bi weekly withdraw. They further stated that the key to the biweekly process came from XXXX bi weekly withdraws ( essentially paying 13 months instead of 12 months ). The process would include an initial debit that acted as a " deferred payment '' which they assured would, in its entirety, eventually go to our mortgage payment. In mid XXXX of 2015, we were contacted by Nationwide Biweekly and informed that for an unspecified reason, they could not pay our bank that month, that they were essentially dropping us until the problem could be resolved, and that we would have to resume making our own mortgage payments for that time. We inquired about the money already taken out for the month, and they affirmed it would be redebited to our account ( which it was, minus {$3.00} ). However, while recently researching making bi weekly payments directly through our mortgage provider, it came to our attention that Nationwide Biweekly had charged its customers a large lump fee up front, which we were told was not the case when we signed up. We then contacted Nationwide Biweekly and inquired about the alleged initial fee. This was the first time anyone at Nationwide Biweekly informed us of that fee. While she would not quote an exact monetary amount, she informed us that it was withdrawn from our initial first debit. Since Nationwide Biweekly failed to inform us of this fee, and since they dropped us prematurely ( prior to the completion of the mortgage pay off ), we wanted to know how to get that initial fee back ( since they originally told us it was a deferred payment that would go toward our final payment - which is did not, nor will it since they dropped us ). The representative told us it was non refundable, but upon further pressing, stated she was not able to answer that question and would transfer us to someone who could. We then waited on hold for approximately 45 minutes before our connection was terminated.

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
Consumer complaint received 01-06-2017 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (FL).
Issue: Managing the loan or lease

Complaint: I bought a car that had a series of manufacturer recalls. The work by XXXX XXXX of XXXX, XXXX was done repeatedly, by my records 14 times it was taken in. Each time more and more stuff was replaced on XXXX tab, being warranty related. The original symptoms of both the clicking noise in front suspension is clearly present. It is loud everytime you turn the wheel left or right, especially in a parking lot setting. I have videos of it with sound. XXXX out of XXXX people in a parking lot hear it and look. They can not figure it out, its been months. XXXX XXXX of XXXX did not originally log all the visit and preformed some work on days that arent showing in the vehicle record. that is my first concern. The second concern is after they put the rack and pinion steering on the vehicle there is a constant rubbing noise. It is clear there is resistance and friction, loss of power when driving the vehicle. This and the original clicking is still present. I moved to XXXX and tried a new dealership. They are able to hear the clicking noise clearly and advised they would fix it today. Today XXXX calls and reverts back to the previous excuse that they are unable to hear it. It seems like repeatedly XXXX is not adequately addressing my concerns and fixing the warrantied repairs that have already been done. I feel unsafe driving the car and want a master technician from XXXX to be setup to look at it. Please look into the case and send me a copy of all the case notes to my mailing address on file. XXXX cases were open for this issue with XXXX corporate. I and everyone on the road are at danger with me driving in the current condition. XXXX, please warranty and properly fix the damages on my car. I have a XX/XX/XXXX XXXX XXXX XXXX XXXX. The car is still under warranty, it needs a master tech to go on a road test, review the videos and fix. This personalized attention i begged for from the start and over 9 months later have not gotten the result, just excuses. Everyone is real real nice telling me why it cant be fixed though. XXXX is working on it now. Service adviser XXXX told me yesterday evening he could hear the noise but it would take time to fix. XXXX called me back, was very helpful and offered another road test. XXXX was off today. My concern is XXXX is giving up on me and the vehicle. The noise is very clear. Please setup a time to have another technician from XXXX to come test drive, diagnose and fix vehicle. Please escalate this accordingly. XXXX what options do you have? Please direct copies of all instructions in writing to my address on file and any records compiled. I would like all service records to date on this vehicle mailed to me. I would also like a technician from XXXX to be dispatched to try to fix. It 's been an unreasonable amount of time.

Company response to consumer: Closed with explanation