milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Late fee

Complaint: On XXXX my financial institution sent an electronic payment to Citi/Best Buy. The payment was due on XXXX/XXXX/17. With the banking system shut down for the holiday. My payment did not post to my account until XXXX/XXXX/17. Thus, causing the system to access my account a {$27.00} late fee. In the history of my account, I 've never had a missed and or late payment. The same system for making payments has been used every single time. After reaching out to Citi/Best Buy via chat. The associate named XXXX was able to promise an adjustment to my account for the {$27.00} incurred. The associate then proceeded to tell me that I should have used their website to make a payment. That 's it 's open 365 days per year. I do n't need someone lecturing me on how to pay my bill to your company. I 'm sure that I was not the only one caught in this dilemma with Citi/Best Buy and or other credit products you manage.

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 11/13/2015 about Mortgage (Conventional fixed mortgage) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Settlement process and costs

Complaint: I HAVE BEEN IN DISPUTE WITH BBVA BANK SINCE XXXX IN REGARDS TO LATE PAYS THAT HAVE BEEN TAKEN OFF DUE THE THE BK ON FILE AND PMI ISSUES THAT AS WELL TAKEN OFF. ALSO AT LEAST XXXX PAYMENTS NOT POSTED CORRECTED. 
NOW I HAVE ATTACHHED MY BK ATTORNEY DOCS AND US DEPT OF BK FILED AND SIGNED BY THE JUDGE ON THE MODIFICATION OF MY MORTGAGE. IT SEEMS THAT BBVA NEVER COMPLIED WITH THE CORT ORDERS WITH THE NEW RATE AND TERM AS WELL THE PAYMENTS SINCE THE CASE CLOSED XX/XX/XXXX. I HAVE TALKED TO NUMBER OF VP 'S IN THE MORTGAGE INDUSTRY AS WELL MY OWN CREDIT UNION XXXX. I HAVE BEEN IN XXXX FOR OVER 20+ YEARS AND KNOW FOR A FACT THAT THIS TIME BBVA HAS REALLY DROPPED THE BALL ON THIS CASE. 
I WILL BE FORWARDING THIS COMPLETE FILE TO HUD/FTC/FAIR LENDING COMMISSION. SO REVIEW THIS CASE AS WELL. 
THIS LOAN SHOULD HAVE BEEN LOCKED AND FIXED UNDER CASE XXXX FILED UNDER THE UNITED STAES BANKRUPTCY COURT XX/XX/XXXX. 
I CONTACTED BBVA AND THEY STATE MY RATE IS ONLY GOOD TIL XX/XX/XXXX AND ITS VARIABLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2015 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Deposits and withdrawals

Complaint: PNC Bank charge me XXXX inappropriate overdraft fees for no reason. Per my account history I clearly had all the money in my account needed to cover all transactions. They took it upon themselves to just take XXXX {$36.00} charges out of my account completely unsubstantiated. When I contacted customer service they said they refuse to refund the money because " they do not provide courtesy refunds ''. This is not a courtesy, this is my money that they had absolutely XXXX right to take from me. This is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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 had applied for a mortgage and found out that XXXX XXXX XXXX was reporting a collection account for a XXXX XXXX credit card debt. I have NEVER had an account with XXXX XXXX ever. I have disputed this account with all 3 credit bureaus over 4 times now as well as with XXXX XXXX. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of XXXX XXXX statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. I am filing this complaint against XXXX, XXXX  Experian and XXXX XXXX. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.

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 02/28/2017 about Debt collection (Credit card) with Riverwalk Financial Corporation (LA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I had been incarcerated from XXXX until XXXX so there was no way I could pay this debt when it happened. The company that 's trying to get the payments is Deville Asset Management XXXX XXXX XXXX XXXX Texas XXXX phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 have submitted several disputes to Experian regarding XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. All these accounts are closed on my credit file and are reporting negatively. Experian is constantly stating the accounts were VERFIED/BELONGS TO ME, and the creditors have not provided any VALIDATION OF THESE ACCOUNTS. Also Experian has not provided me with any VALIDATION OF THESE ACCOUNTS. Experian constantly sends me an updated credit report that these accounts BELONGS TO ME. I requested from Experian what did the company VALIDATE with them, and I have repeatedly been ignored. Experian and the listed companies above have refused to provide a VALIDATION WITH A CONTRACT SIGNED BY MYSELF.
I received two notifications from XXXX and XXXX XXXX XXXX to remove from my credit file. Please see attached.

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 06/20/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: After receiving an overwhelming amount of emails and calls I mailed an official cease and desist letter to the company XXXX XXXX onXX/XX/XXXX. The letters were sent to no avail I have received persistent emails and calls to date. I have blocked this number previously to attempt to limit the amount of harassing calls I have received regarding this account however that has not limited nor stop the ongoing harassment. calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After the cease and desist letter 's were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Settlement process and costs

Complaint: I 'm in the middle of a refinance and for some strange reason Ocwen is holding up providing a payoff letter. I 've had to reschedule my closing date of XXXX XXXX, 2015 because of this and I would like for any assistance you could provide in this matter. Calling these people ( Ocwen ) is like talking to a brick wall. Please have them forward the payoff letter to XXXX XXXX as soon as possible so this matter can be resolved.

Company response to consumer: Closed
Consumer complaint received 05/14/2017 about Checking or savings account (Other banking product or service) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I changed the Account/DDA to withdraw funds and contribute towards my IRA. I informed the Huntington  XXXX   XXXX  of the new account number and routing number, this was completed on  XXXX   XXXX    XXXX   by faxing an updated form to them. I informed them the amount will stay the same, the only thing changing is the account. On  XXXX   XXXX ,  XXXX  Huntington withdrew the money from an old account and claimed since they were not informed of the amount they did not update the withdraw information. On  XXXX   XXXX ,   XXXX   I sent over the same form to have the account updated. I spoke with my personal banker and was informed this is now set up correctly.   Huntington sent me a letter stating they were unable to transfer funds, however this is due to their error of not withdrawing from the correct account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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: Reporting company used your report improperly

Complaint: I have been identified as a potential victim of the Equifax security breach. My personal information such as social security number, addresses, drivers license information, and more personal identifying information has possibly been breached. 

I was notified of this possible breach through news media on XX/XX/XXXX, and never through Equifax. I opted to look up my information on their website ( https : //www.equifaxsecurity2017.com/ )  designed for inquries. They indicated I may have had any information they had on file for me compromised. They did not say which pieces of information, but that I may come back to the site on XX/XX/XXXX to take further action, which includes credit monitoring by their company- which has been proven to be ineffective from a security standpoint.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Managing the loan or lease

Complaint: Conns Credit Corp is reporting a late payment on my credit reports in violation of FCRA 623 a 7. They never sent out a bill or Notice as required under FCRA 623 a 7 to notify me that they were and had reported a late payment. I requested that Conn 's Credit Corp not call me because they violated the TCPA and I requested that they stop all other communication except in writing and they never and still do n't send out invoices like I requested from them in writing and over the telephone. I have all receipt of my payments and none of the copies of my payment receipts show that they were over 30 days late. I never received any mail from them about late payments, when they are reported, how they are reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2016 about Debt collection (Credit card) with CITIBANK, N.A. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Approximately a year ago, I opened a Macy 's account and in the next few months purchased several items. In early XXXX 2016, I received a letter from the collections department stating that because they could n't contact me by phone, I might not be aware that my Macy 's American Express Card account was past due. ( Our mailing address has not changed in some 10 years. ) I called the number listed in the letter and explained to the agent that the account was past due because I had not received any monthly statements or bills and asked for an explanation. None was given, but the agent said that I would begin receiving monthly statements and that all late fees and interest charges would be credited back to the account. 

I finally received the XXXX thru XXXX statements in early XXXX, but the late fees and interest charges had not been credited and though monthly statements are now received regularly, not only have the late fees and interest charges not been removed as promised, but new ones are added each month. 

In mid XXXX we sent Macy 's a check for the merchandise that had been purchased and not returned. 

My husband and I have both spoken with various collection department agents and explained our position that we have paid for the merchandise and since I was told that the late fees and interest charges would be removed, we do not owe them any money. None will discuss why no statements were received until numerous late fees and interest charges had been added to the account or why those fees and charges have n't been removed as promised. 

The last of several letters I 've received since the initial one in XXXX, all urging me to call them to discuss getting my account " back on track '', arrived in early XXXX from Citibank via XXXX XXXX. Apparently the need to capture a phone number to use to harass us is important enough to use such silly gestures.

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 03-03-2016 about Credit card () with SYNCHRONY FINANCIAL (MN).
Issue: Transaction issue

Complaint: We submitted our payment to the Wal-Mart store in XXXX, XXXX. The check was returned and we were asked to send the check to Wal-Mart XXXX XXXX in XXXX, XXXX We complied. Wal-Mart cashed our check but did not credit our account. We called and later faxed copies of the canceled check and our bank statement. They refused to credit our account, saying they never received payment or cashed the check. We provided them with the Source of Receipt Document from the Federal Reserve Bank, showing the check was processed in XXXX. Walmart XXXX XXXX refuses to credit our account.

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 03/22/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I want to disputed Delinquent past or present credit obligations and excessive utilization of revolving credit and derogatory past

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being contacted concerning a debt that is not mines. I have written them several letters asking for Validation of the debt and have yet to get any type of response except we have verified it with our client. I know they have received the debt validation request because I sent it certified and it was sign for on each communication I have had with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Selene Finance LP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a modification for my home " primary residence '' for over a year now. I send the documents that the servicer " SELENE FINANCE '' requests, but they continue to ask for the same documents on a repeated bases, nothing seams to move in the direction of a modification. I was told that the file would go to underwriting, but then they say that more documents are needed, and then they ask for the same documents. I have a foreclosure sale date scheduled for XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivables Performance Management, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Made agreement to delete and they are still reporting

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 10/19/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage serviced by Nationstar Mortgage, I applied for an unemployment forebearance on XX/XX/XXXX and was denied in XXXX 2015, I appealed on XX/XX/XXXX and was denied on XX/XX/XXXX. The reason for denial was that I was told the investor ( XXXX XXXX ) denied because I had received a previous unemployment forebearance XX/XX/XXXX. I contacted XXXX XXXX on XX/XX/XXXX and was informed that they have no cap limitations on the number of unemployment forebearance requests and they had no record of Nationstar even requesting an approval of my request. I was only 60 days delinquent when I submitted my request and due to the complete lack of customer service and the lies I have been told by Nationstar I am now 5 months delinquent and facing foreclosure. They have been absolutely no help in trying to keep me in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, I took out a mortgage loan with XXXX XXXX Bank. The payments increased dramatically short after, making it impossible for me to keep making mortgage payments. In XXXX, I defaulted on the loan but I was notified that a different lender had my mortgage loan, XXXX XXXX XXXX. A foreclosure action started in XXXX by XXXX XXXX XXXX. The case in the court went for years but the bank was unable to foreclose on my property. During the legal process the loan was transferred to a company called, XXXX, and lastely it ended in a company called Rushmore Loan Management Services. I am not sure which company I owe money too. The legal action was discontinue but collection attempts do not stop and the banks, before Rushmore, did not review my loan for a considerable loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been going back and forth with Equifax concerning some unauthorized inquiries and an account that is still being reported that Equifax claimed to verify the date of last payment which is inaccurate. This has been an ongoing issue and Equifax has not been any help. By continuing to report these unauthorized inquiries and inaccurate unverified item they are violating the FCRA. Equifax 's credit breach leads me to believe the company is n't properly investigating disputes as they are claiming. I also have fraud alert on my credit report and have had for several months. The unauthorized inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX  XX/XX/XXXX. The inaccurate account is XXXX XXXX. 
As a consumer I am aware of my rights according to the FCRA. The only outcome is for Equifax to immediately remove these unauthorized inquiries and unverified inaccurate account as well as send me an updated copy of my credit report. I also must add that these credit reporting agencies should do more to help the consumers. Also, I WILL NOT ACCEPT ANY OTHER REPSONSE OTHER THAN A DELETION OF THESE UNAUTHORIZED INQUIRIES AND THE UNVERIFIED INACCURATE ACCOUNT. I DEMAND THAT EQUIFAX NOT BE ALLOWED TO MOCK THE CFPB 'S AUTHORITY AND VICTIMIZE ME BY IGNORING MY RIGHTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a XXXX account on my credit report that is incorrect. I have an account in good standing. XXXX knows nothing about this account

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 07-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (NV).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: A man knocked on my door and told me his name and told me that the home security company if have was merging with his company and they were going to up grade my system as a part of the merging of company 's. As they were changing the key pads, my security company called me, I asked if they were merging with this other company. They told me no and I was still under contract with them. I told the guy who was trying to replace my key pad, to put every thing back the way it was. He did that and left. A couple of months go by and I get this bill from Dynamic Recovery Solutions stating that I owe then, if I pay now {$230.00}. Dynamic told me that, the Security company, sold them my contract, and that, they were to collect my dept. Dynamic wanted me to go to my bank and for my bank to, send them a e-check. Which I did n't do The security System company wanted {$690.00} from me and that was n't going to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: They refused to provide me with a payment ledger. They have not posted all of my payments to my account. Subsequently, my account has become default. I still have not received the documents and now they are calling me each day harassing me saying my life will be ruined if this goes any further. I offered to begin paying monthly payments of {$100.00} beginning next month but they refused.

Company response to consumer: Closed with explanation