milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problems caused by my funds being low

Complaint: I used to have a free checking account at Bank of America. I wo n't pretend I 'm a perfect customer. There have been times when it 's been my fault that the account was over drafted and fees were charged. However, now that I 've been more careful about my spending, I still get charged fees. I have auto transfers set up to move {$550.00} out of one account and put it in another from which I pay my rent. It 's supposed to happen 2x a month on Friday, the day after I get paid. On more than one occasion, BofA began processing that transfer on Tuesday or Wednesday and charged me fees because the balance in the account was below {$550.00}. I intentionally set the transfer to happen AFTER pay day so I would n't encounter that problem.

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 10/26/2015 about Credit card () with Continental Finance Company, LLC (MO).
Issue: Late fee

Complaint: This is a formal complaint against Continental Finance ( XXXX XXXX ). There was an unauthorized charge on my card. I promptly reported it to my credit card company and they were very sluggish in resolving the issue. They sent out the required paperwork for me to sign to dispute the charge THREE WEEKS after I made the complaint despite the fact that I only had a limited amount of time to dispute the charge. Disgusted with the poor customer service, I withheld payment until the matter was resolved which was my right. After another 30 days had elapsed before they finally resolved the issue but had managed to add late charges of {$65.00} and even after I made the payments, they continue to mount late charges each month despite the fact that I made timely payments. 
The reason that they give is that the entire required payment including the late charges was n't paid in full. I only paid the required minimum monthly payment since the late charges were not valid since I made the required minimum monthly payment in a timely manner. I have tried to resolve this issue with the credit card issuer and their customer service agents are rude, arrogant and uncooperative. 
I am going to paid this credit card in full and close this account. 
But I want this companies ' unethical and predatory behavior on the record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have ( XXXX ) credit card entries from XXXX XXXX that I have no knowledge of. After applying for an auto loan a few months ago I discovered the inaccurate listings. I disputed them with the credit bureaus and they came back verified. I sent a certified letter to XXXX XXXX requesting an investigation. It has been over 45 days and I have not received anything back from XXXX XXXX. No signed contract, itemization of charges or any relevant or sufficient proof that gives them the right to collect on this debt or damage my credit rating. Under the FCRA and FDCPA this negligence is a clear violation. They being the original creditor have to right to verify anything but to only investigate my claim. Without proper records to indicate these accounts were indeed open by me by law they can not report the info to the credit bureaus. the following accounts are fraudulent. Account # XXXX with a balance of {$690.00} opened XXXX and Account # XXXX with a balance of {$570.00} opened XXXX/XXXX/11.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Equifax is preventing me from submitting a dispute regarding the following accounts : Chapter XXXX Bankruptcy and XXXX XXXX. I am attaching supporting documentation to have these accounts reinvestigated. Equifax wrote they verified the account with a 3rd party, XXXX XXXX. I have verified with XXXX XXXX that my file is suppressed " blocked out '' therefore they have not verified with you. I have verified with the court that they do not and can not verify anything with you. Their written response is attached. The opt out letter is attached. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. As it relates to XXXX XXXX, you are only to report 7 years from date of first delinquency. This account was delinquent in XX/XX/XXXX, therefore, this account should have been deleted in XX/XX/XXXX. A statement of account letter is attached which documents date of first delinquency. That is inaccurate reporting on your part and this account needs to be deleted. 

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully plan on pursuing litigation in this manner to enforce my rights under FCRA. I demand the following accounts be deleted immediately. I look forward to receiving an updated report reflecting the corrections. 
Chapter XXXX Bankruptcy unverified XXXX XXXX inaccurately

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I believe the 30 day late payment marker on my credit report by Roundpoint should be removed. XXXX made an error where they stopped my auto pay, never notified me that auto pay had stopped, allowed a missed payment to happen, did not send out my statement on time, and never contacted me regarding the missed payment. 

I have had auto pay set up with my roundpoint mortgage from the XXXX time I started payment. Sometime between XXXX XXXX and XXXX XXXX the auto payment stopped. I did not realized it had ended and thus missed a payment. There was never any communication from roundpoint that my autopay had stopped and a payment was not made. No phone call, email, or letter. I did not notice the missed payment until I received my follow on bill. In the attached statement you can see where the statement was sent 1 day prior to the payment being due. 

Once I realized the payment had been missed I immediately paid both the missed and current statements. I also reenrolled in auto pay. No reason was ever given as to why auto pay stopped or why the statement was late. 

I find it disingenuous that roundpoint has dinged my credit even though I have never missed a payment and was relying on their auto payment system. Further I was told it was my responsibility to check my statements but even in that case roundpoint did not get my statement out to me on time.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (I do not know) with Ray Klein, Inc. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This company has called me XXXX 's. Last 2 dates I documented as follows : XX/XX/XXXX & XX/XX/XXXX. Name of company : Professional Credit Service Ph : XXXX. XXXX time they called REFUSED to give a name of the agent who called. Very rude, mean, harrassing me! Threatening in nature over phone saying that " I 'd " better cooperate " or else '' when I 'd ask " or else what? '' all I was told was exactly " I better know what was good for me! '' Really, I was too stunned & floored! I was hounded for confirmation of my complete address, birthdate, birthplace, mothers maiden name, fathers name, SS #, place of employment -I 've been XXXX since XX/XX/XXXX & have n't had a paycheck since & have n't drawn SSD until XX/XX/XXXX, if this was a " legit '' bill collection agency would n't they have ALL this info already & how do I know they are not trying to scam me? I 'm from Missouri, so as the saying goes, " SHOW ME ''! I REFUSED TO PROVIDE ANY INFO BECAUSE THEY REFUSED TO BE FORTHCOMING WITH ANY INFORMATION AT ALL! I HAD NO IDEA WHO THEY WERE, WHY THEY WERE CALLING OR FOR WHAT PURPOSE WHATSOEVER! I HAD NOTHING TO GO BY! WHY SHOULD I JUST " WILLINGLY " HAND OVER ANY & ALL MY PERSONAL & PRIVATE INFORMATION SO THEY COULD COMMIT INDENTITY THEFT? NOTHING DOING! I INFORMED THEM THIS CELLULAR PHONE NUMBER THEY WERE CALLING HAS BEEN REGISTERED ON THE NATIONAL NO NOT CALL REGISTRY SINCE XX/XX/XXXX NON STOP AND THAT SINCE XX/XX/XXXX IT 'S BEEN AMENDED THAT ALL SALES TELEMARKETING AGENTS AND COMPANIES, ROBOCALLS, BILL COLLECTION AGENCIES ARE FORBIDDEN TO CALL UNLESS THEY HAVE OBTAINED EXPRESS WRITTEN PERMISSION BY ME TO DO SO AND THAT ANY PRIOR WRITTEN OR VERBAL AGREEMENT BY ME IN THE PAST PER THE XX/XX/XXXX LEGAL LAW AMMENDMENT PASSED BY THE TCPA & FCC & FTC I MAY REVOKE AT A MOMENTS NOTICE IF I FEEL I 'M BEING G UNFAIRLY HARRASSED & I NOTIFIED THEM PRIOR TO & THEN AGAIN XX/XX/XXXX & XX/XX/XXXX THEY DO NOT HAVE PERMISSION TO CONTACT ME AS THEY ARE HARRASSING ME & ANY AUTHORIZATION THAT WAS GRANTED PRIOR TO THIS UNKNOWN & UNHERD OF " PROFESSIONAL CREDIT SERVICE '' HAS BEEN PERMANENTLY REVOKED & I JUST UPDATED THAT TO REFLECT TODAY 'S DATE XX/XX/XXXX @ XXXX PER LETTER TO CONSUMER FINANCE.GOV. 
XXXX Thank you XXXX XXXX XX/XX/XXXX XX/XX/XXXX ET

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 09/26/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'd like to file a complaint against my mortgage loan servicer Seterus , Inc . 
I 've tried ( twice already ) to apply for a loan modification program through the 'Keep Your Home California '' Program to no avail. 
Basically, they refuse to even talk to me because my late husband XXXX XXXX, who passed away in XXXX 2013, was the borrower not me. 
They do not recognize the Living Trust document which was prepared by my husband making me the executor of the estate. I am also on the Grand Deed as a co-owner of the property. 
I sent a letter to the President of the company but received no reply. 
I am a widow living on Survivor 's Benefits and have a problem to pay all of my bills. 
My loan payments are up to date but I need help to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (MT).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX 2015 we had a bad storm damage our house and completely destroy our shop. We had our inspections and the insurance XXXX sent out the checks for the claims. We had to sign the checks and send them to the mortgage company -Nation Star. We still to this date have not gotten the money back. We got the roof, window and all the debris removed on our own dime ( other than the roof we got a check from them for that ). So we sent in our receipts and got a 100 % done inspection done by their investigator and still have not gotten any money. As advised by our lawyer we have not paid any mortgage payments for the last few months. We have asked for inspection report and have jumped through every loop given to us but we still have not gotten anything from them. We signed a letter stating that the past mortgage was to be taken out of the money owed us then the remainder was to be sent in a check XXXX. Every single time for this almost full year we have done what they ask of us and they are making money with money that is due us.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Medical debt) with SYNCHRONY FINANCIAL (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is for a care credit account for 3 necessary missing XXXX XXXX   as a XXXX. To not have them affected XXXX, XXXX, XXXX, and the look of the smile. There is a late payment from last month that we could not afford, so we did not pay the full amount ; however, I have already informed them that we are paying off the care credit account ( as much as possible ) when our tax return comes in one lump sum ( part of it was zero interest for six months, and then another part was an agreement for a two year payment plan ), but they don't care. They are calling at least 4-5 times per day, every day, starting around XXXX XXXX for weeks now, and filling up my voicemail with blank messages.

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 01/14/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: These people keep calling and harassing me at all hours of the day and night. Very rude and unprofessional. 
I just block them now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient misled me numerous times. My repayment amount was supposed to be $ XXXXmo, but now it 's up to almost {$300.00} and it appears to be some type of interest only loan. I started with XXXX XXXX and Navient bought the loans somehow. So now I deal with Navient who misleads and bullies me every time I talk to them, so I stopped dealing with them. They also robo call me about 5 times a day, despite me applying to get off the robo dial list. They also stalked me at work -- somehow got my work number and hassle me there now too. I had asked for my loan agreement ( which I have never signed or agreed to anything with Navient ) and payment history, and they  always say yes, but then do n't send me anything. I am currently in strong-arm collections for over {$1000.00} past due, but as a struggling XXXX single dad, I need to restructure my loan to get it back to the original type of loan I signed and agreed to and can afford, NOT an interest only type of loan that I will never pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I, XXXX XXXX XXXX, am a customer of Green Tree Servicing with account number XXXX. On XXXX XXXX, 2015, l summited the letter to request the Green Tree Servicing to initiate PMI automatic termination because of my outstanding payment history, currently on loan payments ; and my principle mortgage balance reached 77.9 % of the original value of the property. The Green Tree Servicing denied my request based on the principle balance is XXXX scheduled ( XXXX/XXXX/2015, not payment actually made XXXX to reach 78 % the original value

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Student loan (Federal student loan servicing) with SLM CORPORATION ().
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I continue to receive calls and letters from Sallie Mae / XXXX. I have made several attempts to speak with a representative to enroll in repayment plans. The representatives states that they do not offer income based repayment plans only short term forbearance payment plans. 

I have be ignored of my complaints, they have provided inaccurate information and offered only high cost repayment plan. 

My research of my loan compared to other student loans I received a subprime high interest rate and terms. 

My co-signer has made request to become released from the loan and has been ignored of her attempts. 

I am interested in the income based repayment plan. ( PAYE ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: unable to contact agency handling debt to verify. Debt appears to be from 2011.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Medical) with Richard Sokoloff, Attorney At Law (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The office of Richard Sokoloff in XXXX NY has been sending me threatening letters for months. As per their instruction, I have called over 25 times and left 16 voicemails to dispute their false claim ; no one has EVER returned my call. I have already settled this debt with my insurance and the hospital as there was an error on their end to begin with. Yet Richard Sokoloff and his office have yet to cease sending me threatening letters. I have a spotless credit report and rating. Such harassment should not ever be tolerated. He should be disbarred.

Company response to consumer: Untimely response
Consumer complaint received 05/19/2017 about Debt collection (Medical debt) with AmeriCollect (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX / XXXX / XXXX  {$3200.00}  XXXX / XXXX / XXXX  {$25.00}  XXXX / XXXX / XXXX  {$440.00}  XXXX / XXXX / XXXX  {$4000.00}  XXXX / XXXX / XXXX  {$370.00}  XXXX / XXXX / XXXX  {$15.00}  XXXX   XXXX / XXXX / XXXX  {$22.00}  XXXX / XXXX / XXXX  {$510.00}  XXXX / XXXX / XXXX  {$43.00}  XXXX / XXXX / XXXX  {$47.00}  XXXX / XXXX / XXXX  {$53.00}  XXXX / XXXX / XXXX  {$1200.00}  XXXX / XXXX / XXXX  {$2000.00} THE COMPANY AMERICOLLECT ADD THIS ACCOUNT TO MY CREDIT FILE THIS IS NOT ME, I being talking to the company and not much is resolve

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NH).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: GM Financial has been reporting my auto loan is late. This loan has been pain off since XXXX 2017. I have attempted resolution with GM Financial and they assured me the issue would be addressed. As of this date nothing has been done. I have afforded them ample opportunity to fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2015 about Credit card () with DISCOVER BANK (CT).
Issue: APR or interest rate

Complaint: Hello, I am using Discover credit card and I pay off my monthly due on time with full due payment as per their statement to avoid interest. I also used Discover promotions like balance transfer with 0 % rate for next 18 months with initial fee. Let us say by using that promotion, if I transfer {$3000.00} on XX/XX/XXXX and they charge me {$90.00} on the day of transfer initially and then I have to pay off that amount on or before XX/XX/XXXX 

So my understanding is that from XX/XX/XXXX onwards, if I pay off my monthly purchase transaction as per monthly due, I wo n't see any interest. because my balance transfer loan is 0 % for 18 months. But every time I pay off my monthly due as per their monthly statement, they still charge me some interest. I asked them why then they mentioned, I have balance transfer loan. But that is 0 % for 18 months. 

As a consume, I am not able to understand their explanation. I can provide my last 24 months statement, you can look at it and see why those interest charges applied every month. They are charging me initially 3 % of loan to provide 0 % for 18 months and then they are charging interest fee every month. But I am paying off my all monthly purchase transactions as per their statement. 

Let me know if my statement make sense or not. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Good Evening, my issue is with XXXX XXXX XXXX XXXX XXXX Ive gotten several letters from the company stating that they need to hear from me or they will pursue legal action. After doing some research i noticed on their website it states that they actively seek XXXX XXXX military members and will seize all collections towards them. Ive contacted that company multiple times and always get directed to a number that always goes to email. They always tell me to just leave a message and they will return my call. This issue has been recently come up in a background check for my security clearance but i get no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/2016 I attempted to obtain services with XXXX for home internet. I was told someone would be out in 4 days to install the internet, and I received my router in the mail. XXXX canceled the tech coming out because someone who lived here before had their services all I had to do was plug in the router and follow instructions as I did and it never worked. When I called back it was going to be another 2 weeks to have someone come out and at that point I canceled the account. I was sent the labels to send everything back, I sent it all back Via XXXX. Over the last 5 months I have received bills and collection calls and letters from them. I spoke with a rep in the Financial services department in XX/XX/<YYYY>, she said it had been received but not processed and it may take another moth or so ago. I started to receive more and more calls from their collection agency and bills so on XXXX XXXX I contacted them via XXXX hoping to resolve this once and for all. I was told by the Financial services department my account had been credited and the treadline on my Credit report would be removed with in 48 hours. it is now XX/XX/2016, and I received a letter from a second collection agency Diversified Consultants Inc to collect on the balance that was to be credited XX/XX/XXXX. I reached out to XXXX again and now they are saying they can not locate my account. I am so tired of being Harassed and given false and misleading information. My next step after turning them over to you is to contact an attorney.

Company response to consumer: Closed with explanation