milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Today,  XXXX / XXXX /  XXXX  , I attempted to make a payment online for the ending statement balance due of {$55.00}. The online payment system would not accept a payment that exceeded my current credit card statement balance. My current credit card statement balance consists of a credit of {$27.00} for a refunded late payme nt. ( This  is a new account and I did make my first payment a day l  ate, Kohls refunded the fee ). The fee was refunded after my statement had cycled, hence, my balance due on the statement was higher than the current balance.
Interest is charged on the statement ending balance. The only way I can avoid this is to pay the full balance. However, their online payment system wo n't accept a payment that exceeds the current balance. I called their customer service department to verbally make a payment and the representative discouraged me from paying the balance in full. I had already paid the current balance online, which was less than the ending statement balance. I told him that in order to avoid interest charges I had to pay the statement balance in full and I was fine with having a credit balance on the next statement cycle. He was argumentative but I finally prevailed after telling him I was an accountant and knew exactly what was going on. Clearly this is a way for Kohls to earn interest by not allowing its customer 's to pay off their statement balances online and discouraging them to do so over the phone.
Kohls should accept payments for the total statement balance online regardless of activity on the following statement cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have request for this company to validate the debt that they claim I owe and they have failed to provide me with any supporting documents. Again, this violates my rights as a consumer.The FCRA, is very clear with that any consumer upon request is entitled to full validation of debts they are accused of owing. I will be contacting the XXXX Office as well as the FTC at this point. This is a violation!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The credit report listed an item : XXXX Serious delinquency. When I contacted consumer finance, the agent said that XXXX XXXX XXXX reported I was delinquent on several credit card payments. I contacted XXXX XXXX XXXX and they said that they only had a checking and savings account under my name on file. Both of these accounts were closed years ago and they do not have record of me having a credit card with them. They said they could check archives, but because all of my accounts are now closed, they should not be reported as delinquent in any credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Debt collection (I do not know) with National Credit Systems,Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX XXXX of NCS has repeatedly called my employer and the HR department of my company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with NRA Group, LLC (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: National recovery has Reinserted a previously deleted information. It was n't accurate in the first place, but now Its back on after being deleted 2 years ago!. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: CITIBANK has not fulfill its promotion commitment for XXXX XXXX XXXX AAdvantage miles that I qualified for under promotion XXXX with my checking account ending in XXXX. As CITIBANK Client Service 's research letter confirmed, dated XXXX/XXXX/XXXX and numbered, XXXX ( copy attached ) when I claimed the miles that for the promotion. 

It has been more six months since that letter and, yet, my AAdvantage Account # XXXX has not been credited with the XXXX AAdvantage miles due to me. I addition to the numbered letter confirming my qualification for the award ; on XXXX XXXX, XXXX, a CITIBANK chat agent also confirmed that my award was in process ( a copy of that is attached, also ). 

Since that time, CITICANK claims they do not owe me the reward because I have since closed my account. That was not the case when I requested the awared and CITIBANK agreed in writing, that the award was due to me. CITIBANK has since closed all its Massachusetts offices, so having an account with them is impractical. I should not be punished with CITIBANK 's tardiness.

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 04-01-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo charged me for monthly property inspections, hundreds of dollars in late fees, attorney fees, and reversed payments when I made double payments in a single month. 
I continually requested assistance to overcome the payment challenges I was having. Until the most recent statements from Wells Fargo, I was only allowed to participate in the modification program if I agreed to payments that were increased by almost $ XXXX/month and increased by many years. Until I complained I was not even given the chance to do that. Low and behold the payments just recently were lowered to about $ XXXX/month less than original payments and the monthly mortgage insurance premiums were lowered to $ XXXX/month, down from $ XXXX/month. This complaint is for the XX/XX/XXXX and XX/XX/XXXX time periods where my loan had reversed payments when I paid double payments in a single month. I want ALL the reversals that were done on my account reversed. I will submit the next few years in blocks of 2 years at a time due to the confusion of my double payments. I will also submit the request for relief from the XX/XX/XXXX FORECLOSURE pending from another " trustee '' that is based in Washington. My home has been in constant threat of foreclosure since XX/XX/XXXX and I have had to file bankruptcy several times to stop the sale of my home that I am living in, where I raised my children. 
PLEASE MAKE WELLS FARGO ACCOUNTABLE FOR THEIR MISTAKES AND stop kicking people out of their homes.

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 03/28/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: The XXXX XXXX bank raised my monthly payment and keep calling XXXX times insisting to make a payment that is no past due and they giving me an amount that was never reflected on the bills and they charging me for late fees that they removed because XXXX of the payments I made before the due date could not be processed then after that happened I made the payment but now they charging me for an amount that has been never reflected on the bill or never was provided from the representative I spoke with over the phone and they never provided me the amount they telling me now that I have to pay for my next payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I am on social security and they threaten me with garnishment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: HelloTd bank keeps charging me overdraft fees even when I make a deposit on the same dayI have been charged over XXXX XXXX dollars in overdraft fees because they do n't post deposits first they post them last. I called them and they were so rude to me they said they cant help me because of my history of over drafting, I feel that this is wrong there software is designed to rip consumers off

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (WA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Served Summons and Complaint along with letter from attorneys indicating response is voluntary. It 's very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Can't contact lender

Complaint: I received a loan through speedy cash in the amount of XXXX. I set up the loan with them with a specific bank account. I defaulted on my loan due to not having a job. However, I called to set up payment arrangements and speedy cash told me my account has went over to a third party collection agency. They also provided me with XXXX. I never provided them with my debit card from XXXX XXXX information. However, recently a transaction has been charged to my account in the amount of XXXX that I did not authorize. I called to speak with both speedy cash and ad XXXX and both had been blaming each other for this transaction. I spoke with at least XXXX different agents to get clarity on how they were able to access my account that I did n't not provide them with. Speedy cash stated they had this information on file from a previous loan I had through them and retained the information. I told them to no longer charge my card and any payment I make.. It would be made through money order or through XXXX of their local stores. My card was still charged without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had applied for credit and was rejected. I requested a copy of my credit reports and learned that I have medical collection accounts reporting that should not be reported. 

First of all, the accounts listed below belong to my parents, not me. The balances were from medical bills that incurred while I was a minor and my parents were the financially responsible party. 

Secondly, the original creditor, XXXX XXXX XXXX, has decided not to pursue collection efforts on these accounts due to my parents because of a Chapter XXXX Bankruptcy that they filed. 

Account # XXXX in the amount of {$170.00}, # XXXX in the amount of {$15.00}, # XXXX in the amount of {$1200.00}.

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 06/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (NH).
Issue: Loan modification,collection,foreclosure

Complaint: I am behind in my mortgage and learned from a letter from Citifinancial in XXXX that my home was to be auctioned XXXX XXXX. The phone number on the letter resulted in two days of calling and being transferred to at least XXXX different numbers to try to find someone who could give me information on my home and my loan and an amount to pay to stop the auction. I work out of state. My children are grown or away at school and we only get to come home once a month on weekends. I was informed in XXXX 2016, the amount I would need to pay before the XXXX of XXXX 2016 was {$36000.00}. Unfortunately my husband was hospitalized XXXX XXXX. I was able to make the wire transfer on Monday, XXXX XXXX as soon as local branch opened at XXXX. I was told by my bank that Citifinancial should receive the money by XXXX. Of course they did not post the funds to my account but I did call Citifinancial 's Massachusetts XXXX on Tuesday to inform him that I had made a wire transfer for an amount to reinstate the loan. He was kind and offered to send a message from his side to inquire about the receipt of the money. Apparently my auction date is XXXX XXXX, and not XXXX XXXX as stated in the letter I had received! Later in the afternoon, I received a call from a Citifinancial rep that they had received my wire transfer but that the amount was not sufficient to reinstate the loan. I was told I had to pay {$2600.00}. immediately. ( a monthly payment ). I do not have this amount to pay and will not have this amount to pay until the end of the month. Meanwhile, I am receiving so far XXXX3 calls a day about this amount and I have also received a call from a Citifinancial rep identifying herself as a supervisor and insisting that the money sent to Citifinancial would be returned and the auction proceed unless I made the payment immediately. 

Please note, I have not been served any papers about auction or foreclosure. I have noticed that my home has been listed on real estate websites for about 160 days as preforeclosure and auction. I am desperately trying to keep my family home. I will be able to continue with the monthly payments, I just can not make double payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2016 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (SC).
Issue: Settlement process and costs

Complaint: The company did not follow state/federal guidelines regarding providing final numbers for closing. We did not receive the final numbers until 15 minutes before we closed, versus the legal guidelines to provide us those numbers 72hours before. Additionally the numbers that were provided to us 15 minutes before closing, were over {$3500.00} more than what we had discussed the previous day. We then had to bring that difference unexpectedly to the table for closing. The company also charged us {$810.00} for an extended rate lock guarantee. This was not discussed and closing was held up by their inadequate filing of our documents, not because of us.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I live in NY and submitted my original complaint to NYS Department of Financial Services. My problem is with Wells Fargo Home Mortgage, regulated by you. In XXXX we got an unemployment forbearance. I called in XXXX because we were back to work, and wanted to resume payments under a modification. From that time on I have had XXXX " specialists '' who have requested their own laundry lists. In some cases I had XXXX different specialists in one week. I always submitted the required paperwork, promptly. I was originally told that I had 6 months for the forbearance. Today is the end of that time. Ihave complained everywhere, and have been assigned to XXXX XXXX in the President 's Office. I have sent her a packet as requested, and asked for confirmation of hat happens next. I know it arrived on XXXX/XXXX/15, followed up with emails, and am getting no response. Basically, Wells Fargo is totally unresponsive. My loan is a XXXX XXXX, but the package is never getting submitted to them since Wells Fargo is not doing their job. 
I am totally disgusted with the lack of response, and very concerned about the status of my mortgage and credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I mailed a check for {$300.00} to XXXX XXXX Bank on XXXX/XXXX/2015. I forgot to sign thecheck. I never got a call from them. On XXXX XXXX after 3 weeks on vacation I find the check in my mailbox.The correspondence has no explanation just the check. I call XXXX and I am told everything is fine so I make a payment of {$350.00}. They credit me back late fees so I am thinking everything is fine. I check my credit report and find the account is delinquent late 107 days. No phone call or email. I am glad they are using technology. They charge me ridiculous interest and pocket the money and provide zero service. Its a {$900.00} credit card. Are they kidding me? How about a XXXX time exception and remove the deliquency and late fee from my credit report? They tell me they are obligated to report it to the credit agencys. Yes, this is my fault I did not sign the check and should have called them. I was out of the country and off the grid. This is the result. Now my credit is ruined my score is under XXXX. Is there anything you can do to help me? This is on all XXXX credit bureau reports .... EquifaxXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Trouble during payment process

Complaint: Mr. Cooper mortgage ( formerly Nationstar Mortgage ) increased my mortgage bill for apparently no reason. I contacted them asking why they increased the bill. They said I had missed an escrow payment. However, I did not. I have made every single payment well in advance and for the exact amount indicated on the bill, every time.

They failed to remediate the situation and have evidently just stolen the amount from me ( in the form of increased monthly billing ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX Citimortgage suggested the HAMMP plan to reduce my mortgage. I applied and made EVERY SINGLE REDUCED PAYMENT on time to Citimortgage. Then XX/XX/XXXX CitiMortgage contacted me and said I did not qualify for the HAMMP plan. They said I did not make enough money. So they demanded all of the money that they had reduced my mortgage by immediately. Since I was unable to pay they foreclosed XX/XX/XXXX. They went back and adjusted my credit report to say that I was late for nearly a two ear period. This type of credit reporting is unfair. I made the payment they were requesting on time!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX/XXXX/XXXX I pulled a credit report for personal verification. I disputed some inaccuracies. All were resolved except XXXX regarding XXXX XXXX XXXX. The account was opened in XXXX with 72 month term. My report at the time noted the account closed WITHOUT a reposession on it. I had a repossession on XXXX XXXX with this account. 
I requested this report/debtor be removed from my report as the account and reporting was over 7 years old. The response I received back after this dispute, on XXXX/XXXX/XXXX from Experian, was a notation of a repossession being made on XXXX XXXX. I immediately called them and disputed this information as being completely inaccurate. I requested it be updated and preferably the entire debt removed from my report. I contacted Loss/prevention at XXXX XXXX XXXX. The representative ( XXXX ) advised me that they have not reported on this account since XXXX and no notes are shown of them responding to the original dispute. She sent me a letter with the correct dates ( XXXX ) of the repossession and a notation that they are not even reporting this issue with the credit bureaus. I forwarded this letter to Experian. I received a response back on XXXX/XXXX/XXXX with no changes to this report. 

Experian is not performing their due diligence in accurately reporting this debt. They are not responding appropriately to documentation sent to them. Furthermore, they are disregarding federal law by noting inaccurate New information on a debt that is over 7 years old. 

I would prefer to have this debt completely removed from my report. If this is unacceptable or unobtainable at this time, at a minimum, I want the report to accurately reflect the correct date/time of the repossession.

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 11/16/2016 about Mortgage (Conventional fixed mortgage) with LAND HOME FINANCIAL SERVICES (FL).
Issue: Settlement process and costs

Complaint: I received and signed the attached loan estimate and closing disclosure statements with this lender for a mortgage which stated a monthly mortgage insurance rate of {$220.00}. The final closing disclosure statement increased the monthly mortgage insurance rate to {$270.00} with no explanation or change in circumstances XXXX days before our closing. This means that tomorrow I will be forced to accept this last minute increase so that I do not lose the home or I have to forego the closing and I do n't really know what would happen to my paid deposits, appraisal fees, inspection fees, etc. It should not be legal to change the mortgage insurance once the closing disclosure is signed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I contacted Bank of America at XXXX at XXXX XXXX spoke with a customer service representative named XXXX from West Virginia location, and escalated the phone call at XXXX pm EST with a customer service advocate supervisor named XXXX also based in West Virginia. The conversation was regarding my secured credit card recently becoming unsecure. I was told I would not be available to convert my existing credit card to a rewards card. Bank member since XXXX, accounts paid in full every month. I think its unethical with my payment and banking history that I am not eligible for a product change at this time.

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