milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: These XXXX collections have been on my credit report for some time now and I did not know that they were in collections which now is damaging my credit report and scores as i was trying to repair my credit and get it back on track and with advice from an attorney recently, ( bankruptcy attorney ) he advised me to contact the Federal trade commission to try and have these removed as it would help my credit score greatly which is very important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Problems caused by my funds being low

Complaint: I have been hit with several exorbitant banking fees at Bank of America making it extremely difficult to keep my account current. When I attempted to speak with an associate at my local branch, she informed me that the branches and customer service agents use a tool that restricts the amount of money they can refund. I was given the number for overdraft assistance and spoke with several representatives who informed me that the bank restricts the number of refunds they are allowed to give. I have been charged with over {$1000.00} in fees - {$35.00} on ever single overdrafted purchase over the course of several months - making it very difficult to keep my account current and get on solid footing financially. I would hope these customer service practices and bank policies that are anti-consumer to the core will be investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT. TOO MANY INQUIRIES NO KNOWLEDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit card () with CITIBANK, N.A. (DE).
Issue: Billing disputes

Complaint: I applied for my AAdvantage card XX/XX/2016 after a flight attendant sold me the benefits. The flight attendant advised that the first bag flies free, plus up to XXXX additional bags for people who are traveling with me. I advised the flight attendant that I would be traveling to XXXX XXXX for my honeymoon and asked if my bags would fly free - she said something along the lines of, " Congratulations! Yes - this card would be perfect for you. '' So I took out the card. 

Then, right before my honeymoon, I called in on XX/XX/2016 and advised Citi that I was going to be traveling overseas, and would be using my card ; I then asked how to go about having XXXX XXXX waive the checked bag fee. They advised to inquire with them at the kiosk/bag check in area to have the fee waived. 

Then, when I went to check my bag as well as my wife 's, I was told " Sorry - the free bag benefit does not apply to international flights. '' This completely contradicted what I was originally told twice ( both by the flight attendant and Citi phone rep ). I had to pay, overall, {$100.00} for our bags ( $ XXXX for the flight there, and $ XXXX for the flight back ). 

I have already called in and tried to resolve the issue on XX/XX/2016. The phone rep advised that he can issue me XXXX airline points. This {$5.00} equivalent is really an unacceptable remedy to the issue.

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 12/21/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was purchased by Nationstar Mortgage, XXXX, XXXX. shortly after I lost my job and was unemployed for 7 months without an income, I missed a payment and had to make my payment on the XXXX instead of the XXXX of the month as that is when my wife was paid. I gave Nationstar this information, however they did not care or work with me at all and continued to charge me excessive fees, interest etc. I now make my payments on the 1st of the month and am re-employed, I now also pay escrow on my mortgage as this was mandated by the company because I was behind, even thought I always paid my insurance and taxes, they changed my payment without my knowledge to a larger amount, they said they notified me, however I received no such notice, now according to them I am even further behind, I have been making payments of {$940.00} the XXXX of each monthly, but my principle balance never goes down and every penny goes to escrow, charges fees, interest, inspections, etc. I paid {$1200.00} on the XXXX of XXXX 2016 and {$1000.00} went to the to fees and charges. In the past I applied for a Homes loan re-modification offered by Nationstar after providing them a wealth of information they required, they denied my request, I have spoken to many of their representatives, which are all from some foreign country, I get absolutely no help or resolution of any kind. They continue to send individuals to my home to take pictures of my house, even though I make a {$940.00} payment each month. I get constant collection calls, and threatening letters. I have investigated Nationstar on the XXXX. XXXX and they have over XXXX complaints related to the same issues I am writing about. At this point I feel that Nationstar iis a very dishonest company, they have no intention of helping in anyway, in just 6 months I have paid over {$4500.00} in interest and fees with less than {$300.00} actually going toward the loan. To me this a predatory company stealing money from myself and it 's customers. I want to know how this company is allowed to continue these practices, I want a resolution to this problem immediately from Nationstar Mortgage, and I fully intend to file a complaint with the XXXX, as well as with the XXXX of the State of XXXX, I want Nationstar Mortgage to know I am not leaving my house and as long as I make a timely payment each month they can not make me leave my house, I am going to do everything legally possible to stop these unethical practices!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (KY).
Issue: Trouble during payment process

Complaint: We are 10 years into a home mortgage, originally with XXXX XXXX, sold to XXXX XXXX XXXX, then sold to M & T Bank ( XXXX, MD. ) One payment was late in XXXX and M & T Bank then refused to accept our payments and told us to work thru their Mortgage Service agent : XXXX XXXX XXXX. 
XXXX told us not to send payments until the paperwork was completed on their side, which never happened. 
We made a catchup offer at that time which was ignored. 
We retained a lawyer who advised that we start a Ch. XXXX Modification plan to protect our home from foreclosure actions, which we did but we kept our house outside of the mod plan and made every payment. M & T Bank 's lawyer filed a document at the discharge of our case XXXX XXXX that all payments ( arrearage and payments XXXX were current. 
M & T Bank accepted/cashed our XXXX XXXX payment and now has not accepted/cashed our XXXX, XXXX, or XXXX payments that our lawyer instructed that we send to their lawyer to make sure they would cash them. It has been two weeks and they are still not cashed. This has damaged our credit ratings, made it impossible to re-finance, and jeopardized the bills that are paid from our escrow. Their actions are unethical, borderline illegal, and violate the directions from our Ch. XXXX case judge.

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 11-08-2016 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Balance transfer

Complaint: A balance transfer was initiated with Barclaycard on XXXX/XXXX/XXXX based on a promotion they sent sent for 3.99 % promtional interest until XXXX XXXX. On XXXX/XXXX/XXXX they opened a case to reverse {$950.00} that was mailed via check to XXXX. On XXXX/XXXX/XXXX XXXX cashed that check. 
Attached is the check Barclaycard sent and my transaction statement showing that it was deposited into my XXXX account. On XXXX/XXXX/XXXX Barcaycard sent me letter that they closed this open case. But they have not " recovered the {$950.00} '' from XXXX. As of today XXXX/XXXX/XXXX the XXXX is still in in XXXX account. I need closure to this balance transfer reversal fiasco and need to know the date they will recover the {$950.00} from XXXX since they reversed the balance transfer ( and not with my permission in writing I 'll add ) Thank you XXXX 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 02-09-2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: They originally called stating that they were representatives of a federal agency and that my file was subject to a criminal complaint. They would call from different numbers and use different tactics to get me to think i was in trouble with the law. The debt remained on my credit report months after i paid it. I have disputed it and talked to the collection agency. They indicated that because i disputed the account, they had to send info on the amount i previous owed without stating that the account is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over XXXX days ago, under Section XXXX ( XXXX ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had my credit report pulled for a mortgage application and when it was pulled, a collection for XXXX ( XXXX ) showed up on the report. The collection agency was listed as Stellar Recovery and the amount was for {$170.00}. Since the initial creditor was XXXX ( XXXX ), I called them and paid the balance of # XXXX on XXXX XXXX, 2015. This closed my account and zeroed the balance. When I inquired about Stellar Recovery, I was informed that collections would no longer take place as my balance was now zeroed. However, it is XXXX, and the collection remains on my credit report despite having a zero balance with XXXX ( XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with United Recovery Solutions (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Gentleman called I asked for a statement, what I received was my FIRST letter stating I/ my husband owe the debt. They had supposedly been sending letters but to the wrong address. I am not debating the fact that I owe something but I would like to see a statement and the original agreement. If they could not provide it I would go straight to the company to get the agreement and what is owed. The gentleman that called me this morning was extremely RUDE he called me a liar when I stated I never received a statement and proceeded to give me the dates I owed. Told me that the original company had attempted to contact us and send us letters. We never received anything from the music store until the debt collectors started. The same gentleman has stated that when my husband told him he was unable to pay right then as he was at work and had no way to pay, that he was turning him in at the end of the day and today told me he was reporting it on Monday more in a threatening way then really doing it. He would hardly let me get a word in edge wise when I was trying to tell him that the original company had never contacted us when there was a problem. This is when he proceeded to call me a liar. He has no idea what the circumstances are .... and for him to be so rude and nasty to myself and my husband is uncalled for. I want a statement showing the charges and I would like to see original agreement which would include the address my husband had put on it to make sure it was not his mistake on the address. I do not think that is to much to ask for. The messages say its from XXXX XXXX the letter we received dated XXXX XXXX is from united Recovery Solutions Credit and Collections Firm. I have never heard them state this name ... how do I know this is the same place? I thought when I asked for a statement i would receive a statement not a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (NY).
Issue: Credit decision / Underwriting

Complaint: This has been an ongoing issue with SLS since XX/XX/XXXX. They froze my HELOC due to a credit score decline. My score declined due a fraudulent collection account with XXXX i/a/o {$30.00}. I contacted and filed a claim with CFPB at that time as I felt that there was no reason for freezing my HELOC. Only through the assistance of the CFPB was I able to get information from them pertaining to my credit score. I rectified the collection situation and the collection account was removed from my credit report. Accordingly my credit report improved back to the norm shortly therafter. I requested that they reinstate my HELOC, which they refused as I need to provide them with a credit report reflecting an improvement of my credit score, at my cost of course. At that time I refused. I recently forwarded them a recent XXXX credit report dated XX/XX/XXXX and requested that they reinstate my HELOC on XX/XX/XXXX. I received a letter dated XX/XX/XXXX which indicated that they are refusing to reinstate my HELOC until my FICO credit score is XXXX, at a minimum, time of origination. My credit score is currently the following XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX. My credit score as reflected is a very high score and warrants an extension of credit from any institution. SLS is stating that the score does not meet their requirement. How is it possible that the aforementioned scores do not warrant reinstatement? I 'm confident that they are extending credit to other consumers at scores below my score. I 'm very concerned that they are violating equal credit opportunities. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I obtained a auto through XXXX on XX/XX/XXXX. Over the five years I had this loan the lender charged over and beyond in fees. I paid my last loan payment and in XX/XX/XXXX and the lender tried to charge me a late fee. I refused to pay it. The lender has been negativly reporting for since XX/XX/XXXX. The balance was at {$39.00} I had it deleted from my credit report and they place it back on without notifying me first and the balance was now {$420.00}. I have tried to call them to resolve this. They are willing to accept my money but they will not delete the negative reporting history. They can not do this because technically the " charged off '' the account. They wrote this off and they want to collect money " double dipping '' XXXX has been incorrectly reporting the balance on my account, I disputed and it was removed and they placed it back on my report for a totally different amount than what was previously being reported/.

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Experian Information Solutions Inc. (TX).
Issue: Excessive fees

Complaint: I was deceived into credit card charges of {$26.00} ea. month when I thought it was for {$1.00} for a credit report from experian. I 've tried, for well over a year, to get experian to stop charging my credit card. I 've called, more times than I can count, reported this to my credit card company and even cancelled the card ( twice ) and requested a newly assigned account number. Somehow, experian still charges the card ... every month. When I call them, they tell me different stories. They hang up after long hold times, say they 're going to cancel the charges and do n't do it or they might say they ca n't find the account and it goes round and round ... wasting my valuable time and money. They will not stop charging the card! I do n't know what to do and then I wondered how many others have had this same problem. So, I searched and found many others! I 'm thinking I need an attorney but this is ridiculous ... right? I found there are class action suits and experien needs to be listed. I left a message with XXXX. I 'm going to try to find one or create a suit to get money for all my wasted time or months I could n't call and they charged me. It takes time ( I do n't have ) on the months, when I call my credit card company, for me to continually request they take the charges off. But they keep telling me to call and stop the charges through experian. I 've spent hours and hours on the phone. XXXX XXXX does n't seem to be able to block them from charging each month. It 's like I 'm caught in some twisted twilight zone  episode of the ruthless, greedy and relentless stalking company ... '' experian! '' I 'm so tired or taking to representatives, supervisors etc ... who do nothing to stop these charges. Please help me. Something needs to be done to stop this.

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 05/15/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX broke our contract themselves by trying to rip me off and way overcharging me, forcing me to leave them and go with XXXX ( which is better any way ). I do n't owe them anything. If anyone owes anyone, they owe me the cost of having to purchase a phone though XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My credit card was charged without my permission, at which point I disputed the validity of such a charge. The credit card company posted a credit in the disputed amount to my account pending the outcome. The investigation concluded that my dispute was invalid, at which point the credit was put back as a valid charge. I attempted to resolve the issue prior to this point without success. 
I have my credit card statement showing the charge back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Consumer Loan (Installment loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Taking out the loan or lease

Complaint: I originated a loan for a truck in 2009 with XXXX. The loan was for 72 months. Santander Consumer purchased the loan from XXXX after about two years. I have paid this contract in full and Santander will not release my title. They say I owe for 80 months. I have consistently asked for a supervisor and for them to explain how my contract can go from 72 months to 80 when I never refinanced.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Medical) with Community Health Investment Company, LLC. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I agreed to pay PASI Collection agency a set amount for 12 months. 
I gave the agency my banking information. the amount was to be debited from my checking account beginning XXXX XXXX, 2016. 
PASI did not deduct the funds as agreed. when I contacted the agency a representative stated that my account had been forwarded to their legal department. On XXXX XXXX, 2016 I attempted to contact the law office. after making contact with a representative I was put on hold, I waited approximately ten minutes and I ended the call. on XXXX XXXX, 2016 I made contact with a PASI agent to attempt find out why they did n't debit the agreed upon funds, the agent stated the agreed amount was not sufficient to satisfy the debt, at which time she forwarded my call to another department which turned out to be avoicemail recording.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I called to cancel my Citi Premier card because the annual fee was coming up. Their retention department convinced me to keep the account open, but convert it to the Citi Double cash card. They assured me there was no annual fee on the new card, and that I would not be charged the annual fee for the Premier card, since it would be closed. I agreed and received my new card shortly there after.
However, I noticed that the annual fee from it previously being a Premier card was posted and rolled over to my new Double cash card account - {$95.00}.
I called to inquire why that fee was on there and was told it will be 'systematically credited in a few months ' So now I have a {$95.00} fee that I have to pay, even though I have not used the new card. This fee was the exact reason I called to cancel, and was told I would not be charged it since the account is closed. Asking me to pay it, and getting it credited back later, is not a reasonable request.

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