milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Transunion Account Name : XXXX XXXX Account Number : XXXX XXXX Bureau : Transunion Account Name : XXXX Account Number : XXXX Bureau : Transunion Account Name : XXXX XXXX Account Number : XXXX Bureau : Transunion Account Name : XXXX XXXX Account Number : XXXX Bureau : Tarnsunion Account Name : XXXX XXXX Account Number : XXXX Bureau XXXX Account Name : XXXX XXXX Account Number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several collection accts that are not mine due to fraud XXXX and several credit inquiries that I did n't authorize but have been unable to have these iitems removed ... I have fraud alert on my report also police report number XXXX and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: i was forced to register for an application called XXXX just to receive money that was transferred to me in the same way I 've done 100s of times. It was register or do n't get your money. 

Seems like BofA is trying to leverage their customers into using an application other than XXXX or XXXX, their competitors. 

I do not like being forced to use an application, this is probably an anti-trust issue as well. These banks are too big and bully people around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Mortgage (Home equity loan or line of credit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: The bank we have a home equity loan with charged us approximately {$1700.00} for a six week lapse in homeowner 's insurance. They based the insurance on the value of the XXXX mortgage ( approximately {$450000.00} ) instead of the value of the home equity loan ( approximately {$38000.00} ). Furthermore, our bank ( USAA ) is an insurance company and knows that they are overcharging for this insurance. Clearly, USAA has overcharged us for insurance and has taken advantage of us. Also, USAA has reported the failure to pay the {$1700.00} for insurance to the credit agency as a past due bill, when it clearly is in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a collections account that was placed with Enhanced Resource Center ( corporation ) in XX/XX/XXXX regarding an XXXX XXXX XXXX cellular account that was placed in collections. I have been paying this company each month through auto-deduction from my checking account in a timely manner. I have never missed a payment. I contacted this agency on XX/XX/XXXX @ approximately XXXX, and spoke with a general rep before being transferred to a team lead named XXXX . I explained that my credit report is not accurate and they are reporting erroneously each month, as if I am not making payments. XXXX tried to explaine that because they are a collections agency, that they only report that the balance is paid in full or settled in full. I explained to him that they are reporting monthly that I am not making payments and that they are not following federal regulations, per the Fair Credit Reporting Act ( FCRA ). He stated that they follow all laws, but because they are a collections agency, that the only report on " sundays '' or monthly. Subsequently, he transferred me to the manager, XXXX XXXX. I explained the companie 's flaws and failure to follow federal laws while credit reporting. She essentially said the same statement that XXXX made. I told her that this is not federal law and that her company should be reporting each month that I am paying, instead of erroneously reporting that I was not paying. She disagreed with my statement. I informed XXXX XXXX that her company practices are not aligned with federal laws and they are flawed. To conclude, I arranged a post- dated payment to resolve my debt, so that I do not have to deal with this company ever again in my life. Their practices are unlawful, unfair, and misleading to consumers, and credit bureau agencies. They falsify information for their own personal game. Per the Fair Credit Reporting Act, this is illegal and unlawful. Unsophisticated consumers whom are unaware and are unacknowledged are at great risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: hippa and cra violation of my rights Collections Midwest Recovery Systems not mine sent police report no knowledge of account police report was sent to XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX : RE : UNAUTHORIZED INQUIRIES XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus Experian, XXXX, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX am on 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 01-12-2016 about Credit card () with DISCOVER BANK (AL).
Issue: Billing disputes

Complaint: Discover Financial Services posted a negative statement I was late in making a payment. Not true -- XXXX XXXX XXXX of XXXX, XXXX issued a legal document, and notified Discover Credit Card that I do not owe them the UNAUTHORIZED charges they originally submitted back in XXXX 2015 for {$1400.00} and {$450.00}. 

I never did business with this company other than get an estimate via phone with XXXX XXXX. I believe that their Quality Assurance guy XXXX, after talking to my son, may have been the culprit for these postings the next day. 

I faxed all the executives in IL a copy of the legal document and also mailed a copy to their Dispute Center ( which incidentally told me via " XXXX '' to stop sending them emails ). I got no confirmation from them that they received this document. I called XXXX XXXX XXXX to help me, but apparently there was nothing they could do according to them. 

Discover has ruined my pristine credit of many, many years. I am recovering from XXXX in XXXX, XXXX and longing to go home to my state of XXXX and get proper medical treatment. 

Please help me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: I am in desperate need of assistance. I have work with my lander Bayview for almost a year and have submitted all the required documents to continue my modification review. However ; at this point they have not afford me a modification. I am more than sure that their intentions are to foreclose my home, My husband is going trough XXXX and this is affecting hes health. I am doing everything from my side to keep a roof over our heads. As I have mention Bayview my intentions were not to fall behind, however ; due to the extreme loss of income it was out of my control. My intentions are to keep my house with an affordable mortgage payment. I did tell my specialist XXXX if I will not get a respond soon I will filling a complaint with my attorney General. Bayview keeps stating I am not able to afford my house. Therefore I have order a new appraisal to be done for my property and is actually under water. Therefore my loan does qualify for an affordable mortgage payment. I do have a surplus and have cut lots of unnecessary expenses. Please question Bayview what are there intentions, mine are to be current once again and start paying my mortgage. Thank you in advance for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Good Afternoon, I am in foreclosure in Massachusetts. 
I lost my job in XX/XX/XXXX, and fell behind on XXXX payments. I believe I was up to date in XX/XX/XXXX, but Nationstar mortgage did n't cash my mortgage payments for XXXX, XXXX and XX/XX/XXXX, then they put me into foreclosure. They sent me back XXXX of mymortgage payments not cashed, XXXX, XXXX and XX/XX/XXXX? I have been speaking with a representative from Nationstar about a modification for over a month now and now he wo n't answer his phone or return my calls? This is beyond frustrating. I am not sending them any money. 
They send someone to my house to put a note on the door telling me to call Nation Star, which they add to what I owe them, and they send this person a couple of times a week, and expect me to pay some ridiculous high fee. 
Is n't there some law were mortgage servicers are suppose to attempt to help a home owner stay in there home? 
Nation Star services mortgage for low income people and finds every possible loop hole to charge us exorbitant fee 's and interest rates. 
Nationstar is a servicer of mortgage payments, meaning they only handle the billing of mortgages, they do not provide loans for people to get mortgages. Nationstar is putting people into foreclosure because they do not get paid until the loan is paid off, so if they put consumers into foreclosure and the property is sold and they get paid in full once they have the properties title. I have contacted the Attorney Generals office in Massachusetts and they have been of no assistance. Thousands of peoples homes have been put into foreclosure and no one is coming to the aid of the American consumers. 

Any help or guidance would be GREATLY appreciated, XXXX XXXX XXXX XXXX, Ma XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Georgia Departmen t of Revenue  had a tax lien on my property in  XXXX  and this lien was satisfied on  XXXX   XXXX ,  XXXX  in the amount of {$1100.00}. This is an error which should not be on my   XXXX    or Equifax credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I have my car financed thro ugh Ally Financial.  Since  XXXX  of  XXXX  I have made a few payments late, but have always paid the " late fee '' in addition to a little extra. My car payment is due on the  XXXX  of every month, and this month, on the  XXXX , I logged into my account to make a payment and saw {$62.00} worth of " additional charges ''. I immediately got on the phone and spoke to a customer servi ce rep. My questio n was, how is it that these " additional charges '' continue to increase every month? His response was that I make my payment late, and I should be happy with it because the total amount due was actually less than what my agreement reflects. I asked to speak to a supervisor who then informed me that late charges are n't applied until 15 days past the due date - mind you I was 5 days late at this point. We argued back and forth for a bout 30  minutes because what she was telling me made no sense whatsoever. She insisted that these additional charges were not late fees and I should be happy because the payment was still less than my loan agreement. I made the payment, including the additional charge " late fee '' of {$62.00} and included extra money. Today I log in to my account to make a payment, my due date is  XXXX / XXXX / XXXX , and yet again I see I am being charged additional fees " late fee '' unreasonably. I do not know what to do with these people. I believe they are ripping me off for additional money every month and I already struggle with making what I owe. Please help 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 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I called USAA and spoke with a card services expert. I have a credit card with them that started off as a promotional 0 % period and then went to regular floating interest. I have balances that are at 0 % and 12 %. The women on the phone read from a script that described their payment hierarchy, and she stated that payments are applied to the lower interest balances first and then applied to the higher interest balance. Her solution for me was to pay off the $ XXXX in 0 % balance first and then I could pay off the $ XXXX in 12 % balance. It is my understanding that this is in direct violation of the Credit Card Act of 2009. I have made several payments larger than the $ XXXX balance, and could not understand why I was still being charged interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Money was not available when promised

Complaint: I have a Bank of America credit card. On XXXX I made a payment for {$3200.00} on their online banking from my chase checking account. I checked back 24 hours later and it did not show on the BoA online account and it was now late so I thought it hadnt worked. I received no email or anything stating it went through. 

On XXXX I made another payment for {$3000.00} dollars under the misconception that the first payment didnt go through. 

On XXXX both payments posted putting my BofA balance at - {$2700.00}, so they now owed me money. 

On XXXX I called to notify BofA. The gentlemen I spoke with, XXXX assured me this would be corrected and said he had put in a expedite request and I should have the money back by XXXX. 

I called BofA Monday XXXX and spoke with another person who said XXXX was wrong and it could take up to 5 business days meaning it would come back XXXX. 

There was nothing I could do and without that money my checking account was overdrawn by over {$1000.00}. 

On XXXX I was told by BofA that the money was released. I called chase to find out when I could expect the money. 

XXXX told me to expect the money by XXXX the latest. 

It is now XXXX and I called chase and they told me it could take up to 14 business days ( 3 weeks!!! ) from when BofA released the money. 

This is absurd. I am now stuck waiting over a month and who knows if I will ever get this money. I feel ripped off and disgusted. Please help.

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 06-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On  X/XX/2017    I called Navient customer service per their web site information stating that to contact them in order to have over payment of private loan payments applied to the principle instead of the next payment. The first representative I spoke with made it sound like a drawback that my loan would be paid off early. Her tone was one indicating warning instead of what will be a celebration for me. She almost hung up when I first called because she could n't hear me due to the loud call center she has to work in. I could hear her and the background operators. The language used " move the payment date forward '' or " apply to next payment '' in the phone conversation and on the web site does not indicate clearly to me, as a consumer, that the over payment will be applied to the principal. Then, when I log in the next month after overpaying and thinking the extra was going towards my principal payment, the only difference I see is that my minimum payment has been reduced as they applied the extra amount towards the next payment which is not what I wanted. Furthermore, their web site says that you must contact them in order to have the over payment applied to the principle of a private loan. The customer service agents acted like it was my fault for not selecting the appropriate option when submitting payment online. I know from dealing with them as  XXXX   XXXX  and my additional over payment was not applied to my loan principal that this company is not trustworthy which is the main reason why I want to pay extra to get out of their unethical system.  <P/> " We will apply any over payment to next month 's payment unless you are enrolled in automatic pay or instruct us to do otherwise. * ''   XXXX   XXXX   XXXX   The second rep I spoke with interrupted me instead of listening. She wanted to tell me what was going on with my loan ( I had just made a payment and knew how much the minimum wa s ).   When I explained that I had made a payment minutes before, her response was to laugh and say " It takes a little while for the payment to post. '' ( Please tell me something I do n't know as an  XXXX   XXXX  and an online payment user since they were invented. ) I had to be super assertive to get her to repeat to me the words I used " over payment will be applied to principal in the future '' so I knew there was an understanding for what I needed. She said she would have to send a note to the department which handles payments. I asked if I could receive a copy so that I would know the note was sent and explained my request correctly. Her tone changed when I let her know that I would be filing a complaint with th e Consumer Finance Bureau.   <P/> Pushing a payment date forward and applying to the next payment is not the same as applying the over payment to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (ME).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I received a letter reflecting enrollment in XXXX XXXX, in which I was charged. The account ending in XXXX is not familiar to me at this time, but your letter from XXXX, OR stated all information I list here. The letter stated a Customer Reference # : XXXX Your letter to me is dated XX/XX/XXXX and was received at my XXXX on XX/XX/XXXX. Your letter had no phone number listed in which I could contact you ( I see it is listed on this webpage, which was ridiculously difficult to find, even with the web address you listed in the letter ).

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 03/26/2015 about Debt collection (Payday loan) with SOUTHERN MANAGEMENT CORP. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Covington Credit in XXXX, Tx. has called me on a constant basis everyday to collect on a loan payment. Given my struggle to repay this debt, the manager told me that she can not take " partial payments '' because she has to report this to her corporate office. This company has even made personal visits to my house attempting to collect and leaving letters with my children to give to me.

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