milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe this debt. This debt belongs to my father. He was born in XXXX. I was born in XXXX. We basically have the same name except I am the XXXX ( or XXXX ). Please remove this debt from my credit report and delete it from all credit reporting bureaus. I did not originate this debt

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 10/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: APR or interest rate

Complaint: I have XXXX credit cards and XXXX of them charge me 22 % + in interest. My credit rating is great, XXXX, and my history with those businesses is also good. My payments are on time, always more than the minimum, with no late payments. The XXXX credit card I have has my interest at 9.5 %. 
I have tried many times with these other cards to negotiate lower rates, and have cited the reasons why as well as use competitive bidding with my lower card. TIme and time again they have refused to lower my rates with little to no justification. 
The XXXX cards I have are with Capital One, XXXX, and XXXX. From my understanding they borrow money for little to no interest from the Fed. They then set absurdly high prices with no true reason other than to make ridiculous return in profits while offering poor service to the consumer ( me and I 'm sure there are others ). This is price gouging. 
As we 've seen from the XXXX XXXX scandal there are serious issues in the banking industry. The scandal is massive, widespread, and in my opinion it is clear they knew exactly how wrong it was to do those actions, but did it anyway. I believe this issue with absurdly high interest rates is just as toxic and corrupt as the XXXX XXXX XXXX. This needs to be investigated and there needs to be justice.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: on Monday  XXXX   XXXX ,   XXXX   I made a  XXXX   XXXX  wire transfer payment in the amount of {$210.00} to FIA card services. That payment was never credited to my account. ( I made a pay by phone payment Wednesday  XXXX   XXXX  after my payment was due. ) When I called to ask about the payment I made through  XXXX   XXXX  on Monday, I was told by customer service that even though it was considered the " money in minutes '' transfer it could still take up to 3 days to post to my account. In turn I incurred a late fee. I talked to FIA card services  XXXX ,  XXXX ,  XXXX ,  XXXX . I was then informed that an investigation would be opened and that I would receive a letter in the mail.   In the letter that I received there is a fax number to send correspondence. I faxed all of my documentation on Weds  XXXX  with a fax confirmation. Including the sequence/ confirmation number that I was given from  XXXX   XXXX   confirming  that the payment had been received by FIA card services.   - My name is correct on the payment, my acct # is correct, and FIA card Services information is all correct on the wire transfer. There are No errors.   When I called FIA card services again on  XXXX  I was informed that the process could take up to  10  business days and to follow up after  6/9.      I called FIA card services again on  XXXX  and the representative did n't even understand what I was talking about because he could see my pay by phone payment that was made on the  XXXX . I am still trying to receive the credit for the {$210.00} that was paid through  XXXX   XXXX . I have re-faxed all of my proof of documentation several times and customer service has been basically useless.   The last advice I was given was to call the number on the letter I received. I was calling that number then! Meanwhile my credit card still is not showing this payment and I am still incurring a late fee.   I have never in my life had such an issue with any company such as this. I have also never attempted to pay  XXXX   XXXX . I am at a loss.   I ca n't get the funds back from  XXXX   XXXX  because they are confirming the funds were received by FIA card services.   I ca n't get through to FIA card services because no one knows what the heck is going on.   Let me be clear that this issue is NOT regarding a pay by phone payment. It is regarding a wire transfer payment that has NOT been credited to my account since  XXXX / XXXX /  XXXX  .   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 10-10-2016 about Mortgage (FHA mortgage) with ACOPIA CAPITAL GROUP (TN).
Issue: Settlement process and costs

Complaint: We were scheduled to close on the house we were selling and the house we were buying on XX/XX/2016. After signing all of our papers, we learned that Accurate Mortgage here in XXXX, TN made an error when approving their client for purchase of our house. They were aware of this on Thursday and that closing could not occur, but they tried to add a buyer to the property we were selling without informing us of the change. 

On Friday morning we had the XXXX removed from our house, threw away all of our food ( house we were closing on did n't have a fridge ), packed the uhaul, and removed all contents from the house. However, Accurate Mortgage knew on Thursday closing could not occur on Friday. I then spent all day on Friday ( taking off work ) with my title company waiting for Accurate to close. When they did not, we had to return to our empty house with no possessions and wait 10 days for the new buyer on the loan to be approved. 

Because Accurate did not follow proper closing prep documents, they were unaware they could not fund their clients until the day before closing. Then, they did not inform us and we had everything taken from the house and were forced to wait 10 more days. Our realtor called the Agent and this was his response : " The loan officer for your buyers was XXXX XXXX, pointed the blame towards Accurate Mortgage company procedures as far as not catching the glitch in underwriting sooner, not notifying anyone of a potential issue that could delay closing and of course, sending out the closing package without having the clear-to-close '' Because of their negligence my wife and XXXX year old son were left in an empty house for 10 days sleeping on air mattresses and having to buy everything needed to live for another week. This includes : having utilities transferred back to our name, groceries, clothing, paying to keep the XXXX 10 more days, food, doing laundry at our church, and other stresses and difficulties of living in essentially a vacant house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-11-2017 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have requested for substantiation of this debt and instead of verification documents I received more bills. I contacted my hospital clinic where they confirmed, I have no outstanding bills. Progressive Management Systems has not provided any proof of the debt and instead continues to report me as delinquent, which is impacting the ability for me to get a mortgage loan. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: It was told I have this phone account and I have never had XXXX services and I have had another provider for over 15 years.

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 09-05-2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: For at LEAST 2 months now, I have been trying to obtain information about my student loans. On XXXX XXXX, 2017 I sent a Debt Validation letter to the US Department of Education to see who is collecting on my student loans because they are showing In Collection on my credit report. When I call the student loan lender at XXXX  an automated message states that XXXX XXXXXXXX XXXX XXXX XXXX  is collecting on my student loans. When I call XXXX XXXX XXXX XXXX XXXX at XXXX they state that they are no longer collecting on the accounts and transfers me BACK to US Department of Education. SO neither company can find my student loans and I have NOT received anything in the mail from the Debt Validation that I sent out in XX/XX/XXXX.
Also the contact information that is provided on the credit report for US Department of Education is not valid. XXXX is not a valid number and should not be reporting on my credit report as it leads me to no answers.

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 04-05-2016 about Mortgage (FHA mortgage) with Absolute Mortgage Company, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Absolute Home Mortgage Company pre qualified and approved us for a mortgage that we could not afford, As a result My husband and I are now seeking a loan modification and possibly bankruptcy. Made settlement XXXX XXXX, 2015. We would love to be able to keep our home.

Company response to consumer: Untimely response
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: In XX/XX/XXXX XXXX XXXX XXXX sent a letter notifying me that my credit card was included in some kind of security breach or fraud and that they would be changing to a new credit card account. I received this card in the mail a few weeks later. I use Wells Fargo Bill Pay to pay the credit card by the due dates. Since they changed the account I had not changed it on the Bill Pay and it the payments were rejected for two months. I received no phone calls or letters notifying me of the missed payment until it was right before the second payment would be late. They have since reported the missed payment to XXXX credit reporting agency as more than 60 days late. I have tried multiple times in the past year to use XXXX XXXX XXXX 's automatic payment services, but each time it has rejected my checking account from Wells Fargo. It seems to take 4 weeks for each attempt that I submit. I did not receive any additional information as to why it failed to enroll. I should not be punished for the unreasonable responses to my attempts to pay. They could have applied the payment to the new account, noting the previous account and forwarding the payment to the correct account and notifying me. It is not my fault that there was a breach of security. I did not request my account number to change. They could have called the phone numbers on file. They could send texts to my phone. They could have sent letters when they noticed attempts to pay to the wrong account. There are many ways that this could have gone better. I am about to relocate and purchase a new home and this unfairly damages my credit. I am rather upset about the absolute indifference shown over credit reporting when related to failure of merchants and banks to secure credit cards. Stop making it so difficult to pay my debts! I know you make a huge portion of profits out of late payments and other fees! Of course you would n't be fair and reasonable when it would be detrimental to your primary source of income and profits! This is little more than a gross exploitation of the trust we place in you over our livelihood. Somebody else screws up and I have to pay for it?

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 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid my account off with XXXX XXXX XXXX and have never missed a payment. I paid them off on XX/XX/XXXX, and I made all credit bureaus aware of this once I noticed that this information was being reported incorrectly. I was dismayed to find out this information hasn't been reported correctly and even after providing proof to all credit bureaus of this they have failed to update this information even after being notified XX/XX/XXXX. Please assist.

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 01-10-2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other fee

Complaint: Citicard has made countless errors with my account in the past year. They have double billed me, failed to get back to me when they promise to respond within 24 hours, they switched my account without asking me, they sent my cards in the wrong name and to the wrong addresses. They always have excuses but to this day, they have not corrected errors on my bill. I asked them to waive the {$85.00} annual fee, and they are very nasty about it, threatening me, instead of waiving it after all of the fines and fees they have cost me with their errors and incompetence. 
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 09/18/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a low income condo in XXXX, Massachusetts. My mortgage loan has been sold XXXX times and is now with a disgraceful company called Nationstar. I sent in my monthly payment in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, thinking my mortgage was fine. In XXXX they sent me back all XXXX payments, which had not been cashed telling me my mortgage was in foreclosure because I missed a payment in XX/XX/XXXX. 
Then a few days later I got a very poorly written letter from a lawyer in XXXX telling me I was in foreclosure. 
I do not understand how Nationstar is allowed to be un-regulated by the State. There are XXXX of people beingforeclosed on an the Atttorney General office of Massachusetts told me there 's nothing they can do. 
If you go to the website called consumers affairs and put Nationstar into the search bar you will read XXXX of reviews by consumers about being illegally foreclosed upon with no aid from any state or federal agency. I guess this is what banks being un-regulated has created. Nationstar says it is a Mortgage company, it is not it is a debt collector, they just collect monthly payments, the Attorney General 's office told me, " oh, we know all about Nationstar, they do n't want monthly payments they want the loan paid off, because when the loan is paid off is when Nationstar gets paid in full. " So I am bewildered why our Attorney General is allowing this to occur to Massachusetts residents. 

There are several class action lawsuits taking place across the country suing Nationstar, XXXX of which in XXXX, Washington that I am a class representative for. A couple in Michigan sued NS and won a XXXX XXXX dollar settlement with NS for fraudently forclosing on them. 

If anyone can offer me any assistance it would be greatly appreciated,

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
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: Hi my problem is not that the company chase doesnt know what to dispute! Rather, they dont want to dispute! 

So I need your help to find out why and who would like to risk the chase brand name and reputation to willfully abuse its customer! 

I am the chosen one on their radar! So it should be fairly straightforward to bring the issue on the table and listen to their side of stories! 

Thank you very much XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/19/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (AK).
Issue: Other

Complaint: I applied for a credit card and was accepted from usaa. they sent me a welcomepack and I recived a bill shortly after. I do all my banking online so I tried to pay the bill right away. they told me I could not hat they needed more information so I sent them morewas told that was good and I should get a reply within 2 to 3 business days never did get a reply so I contacted them again. they told me they needed more info so I sent them more and they told me that they would get back to me in 2 to 3 business days they never did. I got another bill in the mail plus emails on my computer called them up and they told me the last info I sent them was n't right so I explained what I sent them and was told that it would work and they would get back a hold of me in 2 to 3 business days and that I would be able to pay the bill at that time i waited to here back from them never did and contacted them again. they told me the info was not good enough and I had to send more information. I at this point told them to forget it and take me out of there system.they toldme okay and I would recive conformation in two to 3 buissness day in I never did after numorous calls and complaints I am still in there system they turned this into the credit agency during this whole process and it shows as a unpaid bill it has lowerd my credit score enough that ino longer qualify for the home loan i was getting I had a XXXX before all this its now down to a XXXX I needed a XXXX and every thing was fine. so I am stuck staying at a friends house because of a card that I never seen had or used and being forced into getting checks to pay them for something I do n't have they said the only way I can pay for this bill for a card I do n't have and never had is to get checks and mail it to them I am totally frustaited with this hole thing

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 05/27/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I open XXXX to know my credit score then i got amazed when i knew that i got a mortgage dated back XX/XX/2015 that even in dream i didnot do..please help me maybe someone stole all my info ... thats why all im applying for credit cards or lending services are all DECLINed

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX first said I owed {$410.00} as my final bill. I called and asked them to adjust the bill to reflect the actual services that I received, as I did not have a contract with them and was not obligated to keep their services or pay for service not received. They were trying to have me pay for service AFTER it was suspended and was no longer being received. They responded by adjusting the bill to {$280.00}. The account was sent to collections in XXXX of 2017, despite several attempts by me between XX/XX/XXXX and XX/XX/XXXX to get an accurate balance so that I could pay the balance. I disagree that the amount was even {$280.00}, as the monthly services were only {$200.00}. On XX/XX/XXXX a statement was printed and sent to me that stated there was no previous balance and showed credits and two write off balance reversals that would leave the account balance at {$45.00}. I paid the {$45.00} to a local office but at that time was given a receipt that had a {$240.00} balance. That balance was not correct as the XX/XX/XXXX statement shows that with the write off balance reversals and credits the only balance that was due was {$45.00}. I called them and they said the account balance was now XXXX but the account is still with collections and appearing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company refuses to provide me verification and validation of debt per my right under the FDCPA. I do not believe this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Our {$500000.00} Heloc loan with XXXX XXXX XXXX, which had an outstanding balance of {$490000.00}, was paid in full on XXXX/XXXX/16. However, all three CRA 's are still showing both of these amounts ( credit limit and balance ) as outstanding, even though they have received notification from the bank that this Heloc has be paid in full. When I called Experian today, I had to wait on the phone for over 25 minutes before someone answered, and then they told me it could take up to 30 days to correct my credit report. In the meantime, my FICO scores are being negatively impacted. 
I can not believe that it takes these agencies 30 plus days to reflect accurate information. This is well beyond what should be a reasonable time frame to update information.

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