milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2015 about Credit card () with CITIBANK, N.A. (CO).
Issue: Late fee

Complaint: On XXXX/XXXX/2015, I set-up a payment of {$300.00} using Best Buy 's online payment center to be paid on my credit card 's due date of XXXX/XXXX/2015. On XXXX/XXXX/2015, my checking account showed a debit of {$300.00} deducted from account but when I checked my Best Buy account, I noticed that my balance had not decreased and in fact, it had increased, and that my account was delinquent with the summary page showing that a payment was still due for XXXX XXXX, 2015. 
When I checked my Best Buy Account activity, the activity on my account showed a {$25.00} late fee was posted to my account on XXXX/XXXX/2015. I opened a chat session with Best Buy Customer service and the agent kept asking me if I made my payment last night. I told him that I set-up my payment on their online system a week ago on XXXX/XXXX/2015 to be paid on my credit card 's due date of XXXX/XXXX/2015. He kept saying that my payment had not posted and that it takes a couple of days to post. When I provided the payment confirmation number from their website that stated the payment of {$300.00} was posted on XXXX/XXXX/2015, he said that the payment had NOT REALLY posted and when it did, the payment would be applied and the late fee would be reversed. 
It makes no sense to require people to make payments on a certain date only to apply a late charge, reflect the account as delinquent, and then have to reverse it ( and me to monitor it ) when they should just really require me pay on the REAL due date of the XXXX or XXXX of the month so the money hits their account on THEIR due date of the XXXX. I would like to know if my credit score is being affected by what are essentially rolling " late pays '' each month because they are delaying posting my payment when I 'm successfully making the payment in THEIR system on THEIR stated due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Payday loan) with Big Picture Loans, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a phone call this morning XXXX XXXX from XXXX XXXX XXXX Law Office from a person calling himself XXXX XXXX. He claimed that I had a class action suit being filed against me regarding a debt with Castle Payday Loans stating that it was a time sensitive situation on my voicemail. This man called my mom, XXXX sisters, brother in law and his mother ( I do n't even have her phone number ). 
I asked several times for law license number and he refused to give it to me, and I also asked for him to send the claim in writing to the address that he had on file. When I asked to speak to a supervisor he refused and ended the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Checking or savings account (Savings account) with U.S. BANCORP (AZ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: XXXX XXXX, XXXX, at approx. XXXX I went to the teller window inside XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX to withdraw {$1200.00} from my savings account to pay for some used furniture. The tellers told me they were not open until XXXX and suggested I use the ATM next to their window to withdraw funds. Even though the daily limit was only {$800.00}, I was in a hurry so I used my ATM card to withdraw. When the cash was dispensed, I counted it twice and it dispensed only {$780.00} in {$20.00} bills, even though I requested {$800.00} and the debit from account on receipt read {$800.00}. 

I immediately handed the cash to the XXXX tellers at the window, who both counted it twice and verified I was shorted {$20.00}. XXXX XXXX, the first teller to count it said that at the end of the day they would count the ATM and credit my account immediately if it was over. The next morning I received a message from XXXX XXXX that the ATM was counted and the machine was not over, so she would file a claim. 

XX/XX/XXXX I received a letter dated XX/XX/XXXX, stating their investigation was complete and my claim was denied. I called the Bank XX/XX/XXXX and after several transfers, a XXXX banker, XXXX, told me she would issue a provisional credit to my account immediately and re-open my claim. She also said they would send me the documentation used in their investigation that I requested. 

XX/XX/XXXX, no credit had been issued to my account and I had not received the documentation I requested. I called and was transferred 6 times in more than an hour, each telling me they couldn't help me. I was finally transferred to XXXX ( she said she was not allowed to give me her last name ), who told me the case was still ongoing and I would have to wait another 90 days before investigaton is complete. When I asked them what their retention policy for the video surveillance was, no one could or would tell me. How do I get that video preserved and viewed by law enforcement in case they deny my claim again after 90 days? 

XX/XX/XXXX I received a letter dated XX/XX/XXXX stating the documents I requested XX/XX/XXXX were attached. The 2 page document entitled " ATM TERMINAL INFORMATION '' make no sense to me whatsoever. There was nothing in the letter explaining an ongoing investigation or status of my claim, nor have they given me a credit for the money they shorted me. Regulation E states they must provide provisional credit during investigation within 10 days and complete investigation within 45 days. As of today it's been XXXX days and still no resolution.

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 11-10-2017 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: Old information reappears or never goes away

Complaint: EXPERIAN removes and then adds collection accounts XXXX XXXX XXXX {$290.00} XXXX XXXX {$270.00} they refuse to answer any correspondence I have sent and I am unable to dispute on the website

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 03-06-2017 about Consumer Loan (Installment loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I was in between jobs and the company repossessed my vehicle. I did pay the money to receive the vehicle back in my possession, but they are still reporting the account as an charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (WV).
Issue: Loan servicing, payments, escrow account

Complaint: I have been patiently waiting for some response from Wells Fargo. I got my home back in late XXXX ( redemption ). Since then, I have been given NO confirmation to the home being mine again. I even without having a new loan number ( I was told by XXXX I would be given a new loan number ) made a house payment in XXXX. In fear to getting behind on payments again. I was told to NOT do this XXXX XXXX XXXX XXXX because any payments made could be in limbo while awaiting a new loan number. I have received yet again several letters from Wells Fargo on how they are working on details and should have everything resolved by a certain date, only to receive more letters stating the same with a latter date. I ca n't sleep, and all I do is worry because my home was foreclosed on during a re-modification period back in XXXX. I was successful in XXXX to get my home back, with a large amount due in late XXXX, I wired the money from my bank to Wells Fargo, and to this very date I have not received in notification from Wells Fargo, but XXXX did receive a letter ( email ) from CFPB and that my home was mine. I need some clarification, a loan number, an amount owed. I ca n't go on with this waiting in limbo, it has since affected my health. This is XXXX XXXX and I am no closer to understanding what I should or should not be doing since wiring the money in XXXX. I have taxes that will be do, and homeowners insurance that XXXX are included in my mortgage. I can send you copies of every letter I have received from them, Wells Fargo, and how the date gets pushed back. Can you please help me with getting the proper help in clarifying this matter. Thank you for you time again in this matter. Account Number XXXX Case Number with cfpb XXXX and XXXX 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 05/31/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: We are ALWAYS current on our payments yet Ocwen continues to call EVERY DAY including SUNDAY to RE-DISCUSS that our payment is changing and that they received our insurance changes and all is well. this was discussed thoroughly with an agent over a week ago yet they keep calling to say the same thing! ENOUGH! 
Caller : OCWEN

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX just reinserted on my credit report an account that was previously deleted. The account is XXXX XXXX XXXX XXXX in the amount of {$860.00} this is wrong this was corrected and removed now its reporting again. My score dropped significantly since they did this. I am also uploading supporting documents from XXXX that 2 other accounts I have been disputing we 're finally deleted after the investigation but XXXX is still reporting this wrong information and it 's ruining my credit. If they were doing a proper investigation then they would have received the same response as XXXX did. Also they should have never reinserted this account with XXXX for XXXX when it was removed.

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 04-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There has been an item placed on my credit report that has been improperly re-aged. I disputed this item with the CRA and they did not obtain documented validation from agency reporting said debt. The item in question was originally reported in XXXX and is now being reported with a open date of XXXX/XXXX/XXXX. CRA should have obtained documentation ( signed contract, payment history, etc ) to validate this debt but relied on verbal verification only. Item in question was reported by a XXXX, XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX for an XXXX XXXX XXXX XXXX account from XXXX. This originally appeared on all XXXX my credit reports in XXXX and was removed in late XXXX making this a improperly re-aged 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 02/23/2018 about Debt collection (Medical debt) with Designed Receivable Solultions, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Last XX/XX/XXXX, I decided to write a letter to this company to request debt validation with regards to account XXXX. To date, I have not received any response from them. This is a total violation of FDCPA. The item still is being reported in my file which I believe is a violation of FCRA. I am doing my part as a consumer, exercising my rights, but this company just violated FCRA and FDCPA. Attached to this complaint is a copy of the letter I sent this company last XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Had a gentleman call me and fed me a whole line about my student loans didnt properly let me know how much I owe and told me that he would fix it where i would not have to pay and interest would go not ho up but infact all of the information mislead me in so many different ways. I dont feel like I was helped in any way actually only lied too

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with LDF Holdings, LLC (MI).
Issue: Struggling to pay your loan

Complaint: On approximately XXXX/XXXX/XXXX a loan was taken out with XXXX XXXX XXXX for {$500.00}. Payments were to be submitted from my bank account every two weeks on payday until the loan was paid back. The first payment of {$100.00} was completed on my next registered pay day of XXXX with 7 payments of {$100.00} to be made every two weeks consecutively until the loan was paid in full. The total amount paid would be {$830.00}. This loan has become difficult to pay back due to the high interest rate and fees. 

Upon further review I discovered that the practice of XXXX loan companies dispersing loans consisting of interest rates above state legal limits are considered illegal. In the state of Michigan where I reside, the rates XXXX XXXXXXXX XXXX applies to their loans do not meet state requirements .This was not explained to me prior before I accepted the loan. I am now fully aware that legally I am not obligated to pay this loan back. However I do intend on and wish to pay back the principal amount of the loan, but not the interest and fees. I willingly borrowed {$500.00} and will pay it back via payment plan, minus the {$100.00} I have already paid, for a total of {$390.00} I have reached out to a loan consolidation agency to help me coordinate this as well, and to show in good faith the rest of the loan principal amount will be paid back. 
At this time I also request that all communications Cease and Desist in regards to this debt. This is a notice that any phone calls from employees or registered agents of XXXX XXXX XXXX to my place of employment, home phone, and references are to stop. My schedule makes it impossible to be available to receive phone calls during normal business hours. Be advised that any phone calls received in regards to this debt, will be recorded and by doing so after receiving this letter will be considered an acknowledgment of their agreement to being recorded. 

Thank you, 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 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My name is  XXXX   XXXX  I have a mortgage with   XXXX   XXXX    Loan  #  XXXX .    Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX . I have recently completed a trial period loan modification and my account has never been past due even prior to me going in to the trial period plan.   According to FHA 's servicing guide servicers are not supposed to report you as being past due if you were current going into the trial period plan. However  XXXX  continues to report me as delinquent. They reported me as being 90 days past due in  XXXX  and 60 days past due in  XXXX . This despite a letter I received from them in  XXXX  apologizing for any past discrepancies and promising to correct my credit report. They suppressed reporting for  XXXX   XXXX   XXXX   XXXX  but then started erroneously reporting again in  XXXX . This has been going on since  XXXX   XXXX . How many times can a servicer wrongly submit info before it becomes negligent and should be punished.

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 12/28/2016 about Consumer Loan (Installment loan) with Special Financing Company, LLC (OR).
Issue: Managing the loan or lease

Complaint: when I signed up for the loan in XXXX/XXXX/XXXX I agreed to auto pay. Earlier this year I experienced financial hardship from losing my job. I requested that auto pay be cancelled, the lender refused to do so and took and unauthorized payment from my account in XXXX. I called and they then cancelled it after it over drafted my account by over {$400.00} I had to pay those over draft fees. 

on XXXX/XXXX/XXXX they took another unauthorized payment from my account for XXXX I requested it be refunded they refused and told me to send a cease and desist letter, I requested to speak to a manager the person I spoke with refused to let me speak to someone else and asked me to call back at a later time and hung up on me. 

I had to call my bank and block them and they 're closing that account I have to wait 10 days for a new card and because the transaction is still pending I have to wait for it post before I can get a refund which will take a total of 12 days, therefore I am out of the money for nearly two weeks. The lender refuses to refund the payment. 

when I originated the loan I was told it would help build my credit after I go the loan Special Financing Company told me they will not report to the credit bureaus I was lied to, I have received multiple calls from them in some cases back to back my calls records can prove that. I have lost several hundreds of dollars dealing with this company. 

in the year and a half I have had this loan I 've never once received a statement, if you request a copy of my call records with them I have made multiple requests which they have not honored

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: My Equifax credit file was one of the more than 163 Million accounts that was breach from sometime in XXXX XXXX through XXXX XXXX. Although, Equifax was aware of this breach, they did not reveal it to the public until early XXXX XXXX. When Equifax offered a " solution '' by offering " Free '', their product, Trusted ID True Premier Theft Protection, I decided to sign up to try and protect my ( exposed ) credit file. After I signed up for this Equifax product, I learned that I was agreeing to give up my rights to seek damages from Equifax through other avenues at a later date. The disclosure is buried somewhere in fine print. 
After further research on my part, it came to my attention that the ID protection that Equifax offers is subject to " Spooing '' attacks. 
I have no confidence in Equifax. 
In my opinion, as a major Trusted reporting agency Equifax handled this situation very poorly. I am disappointed, and very dissatisfied as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 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: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/2017, I contacted Quicken Loans to understand if I could do a cash-out refinance on my primary residence, which at that time I had owned for eight months. I wanted to get a quote from them, given that I had already gotten a quote from a local lender in the state of Washington. 

I initially talked to XXXX XXXX on the phone, Senior Mortgage Banker, and told them that I had already done my research about cash out refi Jumbo Loans. Specifically, I told him that other lenders that I had previously contacted wouldn't offer me that product since I had to have ownership of the property for at least one year. Apparently, this was not a black and white rule, and different lenders had different policies. 

XXXX XXXX XXXX told me that I was perfectly eligible for a Jumbo Loan cash out refinance, and the fact that I had lived in the property for eight months was not a problem. Once he said that, I decided to proceed and move forward. Long story short, this ended up being a nightmare and a waste of time. About three weeks after I applied, another employee from Quicken Loans told me that I wasn't eligible for the cash out Jumbo loan refinance. 

I ended up getting my refund for the application fee and the appraisal. However, I still have at least three hard inquiries on my credit report ( see list below ) that I would like to be removed since this company 's practices were deceptive at best. 

XXXX XXXX : XX/XX/2017 XXXX XXXX : XX/XX/2017 XXXX XXXX XXXX : XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I was behind on my mortgage & called Dovenmuehle Mortgage to arrange payment, they refused any payment & stated that I was too far behind to acept what I had to give. I told them I would do what I could & call back as soon as I had the full amount that they had told me. Two days later I had that amount, I called to make the payment & they said that I needed to pay approximately {$400.00} more since they had sent it to foreclosure. This same thing has happened to me before with them where I got behind & they said one amount & I was able to collect it & called in to pay a few days later & it was sent to foreclosure & needed more money. I understand I was behind but this is the XXXX time they have done this to me where I get all the money that they tell me that is due after they refuse to take any type of partial payment to help bring the balance down & then when I call back in they want more. As well as just about every rep that I have ever spoken with at that company is rude, condescending, callous, uncaring & make you feel like you are stupid & feel bad about yourself or your situation if you get behind.

Company response to consumer: Closed with explanation