milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2015 about Consumer Loan (Vehicle loan) with Synergetic Communication Inc (NC).
Issue: Problems when you are unable to pay

Complaint: I had a repossession back in early XX/XX/XXXX with a balance of 2100.00. I purchased a vehicle for my sons father and he did n't pay when we split. In XX/XX/XXXX, I disputed the debt after 7 years and the repo was taken off my credit report. Today I received a letter insisting I pay the debt. There are Barr laws in NC. I have n't heard from this debtor in years since I had the debt removed from my credit. It 's been 10 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 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: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX I mailed a notarized dispute letter to Equifax ( attached ). Equifax has failed to respond within the required 30 day as stipulated under section 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( 3 ) ( B ) of the FCRA. Equifax has also failed to inform me of the results from their investigation 5 business days after they updated my credit report on XX/XX/XXXX. My credit report/disputed items were  updated which resulted in a significant decrease to my credit score from Equifax. A list of updated information from Equifax can be found below and also has been attached. This has gravely affected my chances of obtaining a mortgage loan as my Realtor and I wish to had qualified me for. I am requesting that Equifax immediately delete the accounts referenced below from my credit report : XXXX XXXX XXXX XXXX Account number : XXXX no updates. 
XXXX XXXX Account number : XXXX Equifax updated credit report/item payment history to 81 months on XX/XX/XXXX, this resulted in several charge offs reflecting in the payment history and also several months reflecting in several Pays or Paid as Agreed updates over 81 months following charge offs. I sent Equifax a letter disputing the validity of this account ( i.e. contract ). 
XXXX XXXX XXXX Account number : XXXX Equifax updated credit report/item payment history from 42 to 81 months on XX/XX/XXXX, this resulted in an additional 30 month  payment history reflecting as Pays or Paid as Agreed. The loan duration was 42  months and paid/closed in XX/XX/XXXX. The contract with this company ended in XX/XX/XXXX when I made the last payment. How Equifax was able to obtain a positive payment history for dates afterwards when the last payment was made 30 months ago is beyond me. Again I never received any notification in writing of this update or procedure used to verify account information. 
I am not asking for a request for reinvestigation. Equifax failure to respond to my initial dispute in the timeframe allotted by FCRA means they must delete these items from my credit report pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Mortgage (Other mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: rushmore loan management services is not applying my payments sent by XXXX on time in order to allegedly generate late fees and retaliation for me complaining to the uscfpb for not applying m y payments on time. it is all over the internet they do this and they refused to allow my bank and bill payer service to send my payments electronically by federal reserve ach money transfer that would end all of these games they play. 

so I sent the following message to rushmore and my bank 's bill payer service told me they mailed the payment from XXXX, California to rushmore in XXXX California and XXXX XXXX, 2015 and received by them and as of XXXX XXXX rushmore still has not answered my previous complaint to uscfpb not given me my amortization schedule for this predatory loan that I never applied for and complained to the XXXX credit bureaus that it is not my loan and never applied for it and have no settlement documents for. 

so here is the message i sent t o rushmore loan management services. 

my bill payer service sent me a notice that the payment for XXXX 2015 was mailed to you from XXXX California on XXXX XXXX, 2015 and you received it on XXXX XXXX, XXXX it has not been submitted by you for payment. it seems you did this last month and credited my payment after the grace period on XXXX XXXX, XXXX allegedly holding the payment for crediting for 8 days before applying to my account. this time you still have n't applied the payment. the payment was mailed to you and the money is in the bank to pay it. why not stop playing games in order to generate late fees. it is all over the internet you do this illegal practice. 

please apply my payment immediately. I have contacted my bank and their bill payer service to find out why you have n't applied my payment for XXXX 2015 per your letter to me to that effect that I received on Saturday XXXX, XXXX, 2015. 

as I said they still have not answered my previous complaint and when I called them in XXXX they solicited me to do a loan modification when I have never been late or behind they are doing this to manufacture a default by not applying the payments. and coordinating with XXXX bank that also manufactures defaults by not applying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Billing disputes

Complaint: I have a credit card account with Nordstrom Department Store. I made a payment in full on XXXX/XXXX/16 directly online from my checking account. The amount has been transferred to Nordstrom and my account reflects as of the XXXX/XXXX/16 to been paid and withdrawn fro my bank. Nordstrom reflects this when I view it online, but does not give me credit for it. I have called and spoke with the manager, XXXX XXXX in California and was told that the account was place on hold until XXXX/XXXX/16 due '' making sure the payment clears and due to my credit history on my credit bureau " ( of which I have never been late on any payment to anyone ever ). He quoted the terms and agreement, then admitted the payment had been received by ACH on XXXX/XXXX/16. I find the timeline to apply, reflect a XXXX balance and restore my credit line is unnecessarily to long and is hindering my ability as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2016 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I had a XXXX XXXX credit card. I had unexpected medical bills so I called all the credit card companies to see if they work with me in interest rate and lower payments. XXXX XXXX agreed to let me pay {$50.00} a month. They never sent a statement after that and drafted the money out of my account every month probable over a year. Then a couple of months there was nothing. The next thing a policeman shows up at my door serving me papers where they had turned it over to Hannah and Associates. I did n't want to go to court so I set up payments with Hannah and Assoc. I do n't if that is what I owe them. I never received a letter from XXXX XXXX saying they were turning my account over. Never received statement from XXXX XXXX and never received anything from Hannah and Associates as proof that I owed the amount they said I owed. I have been paying them for well over a year and now I get a letter saying to mail my payment to XXXX XXXX XXXX attorney at law. Do I need to request that they send proof of the amount they say I owe. I do not feel like I owe that much and why would attorney turn it over to another attorney. I feel like they are scamming me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (Medical) with Harris & Harris, Ltd. (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Harris and Harris, Ltd. started calling my parents ' number. My parents called me about this, but I do not know when it started. I have not lived there for over a decade now. I can tolerate whatever they want to throw at me, but my parents have enough stress and poor health, so I want them to cease immediately with the possible exception of XXXX phone call or letter apologizing. 

I also do not want my financial information disclosed to my parents or others. I am the only XXXX they should be contacting. 

Also, I called XXXX XXXX days ago and they said they had pulled the case from debt collection for at least 90 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Other

Complaint: I went down to best buy XXXX of 2014 and purchased a laptop where I was putting it on my best buy credit card that I currently had with them. When I purchased it they asked If I wanted to put it on my Best Buy credit card and I said Yes. So the purchase was made and I had automatic payments set up so that it would be paid off in a couple of months. XXXX XXXX to XXXX XXXX I received a letter in the mail from best buy stating that I have not made any payments to the credit card and they hit me with multiple late fees. I tried to explain to them that how is it possible to have more than XXXX credit card with them through best buy and that I purchased it knowing that it would go on the current credit card that I had with them. I asked them to remove the late fees and I just paid it off. Best Buy would not remove the late fees or would they remove it from my credit. Due to this error my credit score has declined and now it is hindering me from getting any loans or any type of credit. They said they understand my point but would do nothing to resolve it. If I knew that they were going to open a separate card I would have declined it. I just want it removed from my credit, It has all been paid off and I just want it gone from my history because it was not my fault that this happened but I have not had any help in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My Loan balance is incorrect, and I would like to request a hearing. This is a legal request that has to be given to me by the creditor of my student loan balance in which my account manager XXXX XXXX denied me. I will be speaking to my attorney on this matter. Also, his collection tactics were extremely rude, and unprofessional. I am being charged 13.12 % interest on an original balance that was not even specified to me with the form I will attach to this message. All that was specified to me is that I paid {$4500.00} in interest, and {$680.00} on my principal. My loan was around {$4500.00} when I initially started the loan. I know Navient collection agency is trying to rip me off because they say the loan is in default. I have proof that I have been paying the loan pretty much every month since 2010. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Student loan (Federal student loan servicing) with Brelvis Consulting, LLC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Spoke with a agent with student loan hrlp center about consolidating my loans to get them paid. In doing so i was not aware of them being a third party lender. So i asked them to cancel it and they would not. While going back and fourth with them i filled out an application with XXXX and it was a way better program. My first payment will be on XXXX. But this third party lender has taking payment in which i did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/30/2015 about Mortgage (VA mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sir or Ma'am, We are experiencing a financial hardship related to having to care for our son who is XXXX, consequently we are not current with our Mortgage with CitiMortgage. We had been able to make payments on line through their website XXXX. 
This morning to our surprise we found that the option to make payments is no longer available and our account locked. This was disappointing and creating more stress to not allowing us to have the opportunity to get our payment done. They advertise " We are here to help you '', however being locked out of our online account prevents us from making our mortgage payment to have a digital fingerprint of our payment. " Sorry you are not eligible to make payment online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Conventional home mortgage) with BOK FINANCIAL CORP (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: I had already submitted a complaint with XXXX XXXX. In response to the first complaint, I received a letter from Bank of Texas ( see attached ), that the 30 day late reporting on the mortgage, had already been corrected. The letter was dated the XXXX of XXXX On the XXXX of XXXX, I had my mortgage company pull a new credit report, however the XXXX day late reporting in XXXX of XXXX is still reporting. 

So I went to an actual Bank of Texas branch here in XXXX XXXX with my realtor. The branch manager said she could n't help us and that I needed to call the number on the letter. My realtor asked her if she  could just show some sympathy and help us with the situation, it would be greatly appreciated. The branch manager responded with sarcasm that she could n't help XXXX while rolling her eyes XXXX. So we left and on the way out, were stopped by Security, who in turn informed us that we were banned and no longer welcome on the premises. We were shocked. We did call the number once we left, but it stated that the number was incorrect. When you call XXXX ( which is the number on the bottom of the letter from Bank of Texas, see attached, it gives a message that - the number has been disconnected ) So we have no idea where to go from here? The local branch is refusing to help us and has banned us from ever going there again and the only number we were given from XXXX XXXX, XXXX XXXX on the letter ) is disconnected. 

This is the only thing that stands between me and buying a home. My husband is 100 % XXXX Veteran and our current living conditions are not sustainable for his long term needs, so we are desperate to get into a home. 

We are only asking for Bank of Texas to right a wrong. The 30 day late should never have been reported, and I just feel that Bank of Texas is not really being responsive or actually correcting what they stated in the letter was already been corrected. 

Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: We used to live in XXXX, TX and took out the Citi AA credit card. Once we moved to XXXX XXXX, we canceled the card and closed the account in XXXX XXXX. A month later we got a bill from the company saying there was a charge on the account, even though we canceled the card the month prior. Citi disputed and reversed the charge, however, they never removed the carry-over interest. As a result, we accumulated late fees on the {$2.00} of interest that was never reversed, I have called every month after getting a new statement with an additional late charge. I have offered to pay the interest, and even cover one late fee ( since I am dealing with this 6 months later ) just to get them out of my life at this point. It has been extremely frustrating to the point that I agreed to pay two months of late fees amounting to {$63.00} so that I never have to deal with this company again. They said they could clearly see the small interest amount but could n't take off anymore late fees than they already have, even though it was their mistake not to close my account every month I called. I 've felt helpless throughout the entire process, their reps have told me they would take care of it for months and having to pay ( when no amount should be due XXXX to close out a credit card 6 months later is ridiculous, but better than having it escalate further and worse, having to go through the issue with another Citi rep ...

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 05-04-2016 about Credit card () with BARCLAYS BANK DELAWARE (SC).
Issue: Credit line increase/decrease

Complaint: barclaycard locked me out of my account this morning for my security i know my mothers middle name now they have my username and password on screen so nobody has to steal it right there i want it repaired now it is bad anyone can log in and there it is

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 04/22/2016 about Consumer Loan (Vehicle loan) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Managing the loan or lease

Complaint: On XX/XX/2016 I went in to pay auto loan payment. I pay {$470.00} each month I pay XXXX because I wanted to catch up on 1 late payment and pay a payment coming due on XX/XX/2016. I informed teller that this money is to cover 2 payment. I got a call from bank telling me I had not paid payet for XX/XX/2016. I informed worker XXXX that made payment on XX/XX/2016. She tells me I was behind 2 payments so payments went to XX/XX/2016 and XX/XX/2016. I requested payment query, because I knew I was only behind one payment. I also went branch for print out, but they told me it could be printed out. 
On XX/XX/2016 I finally received print out via US mail. 
Print our confirms my thoughts of bank applying my payments incorrectly, and that I was only behind 1 payment as I thought. I called customer service, they told me I had to go I bto branch. Bank has lied, told me they could n't fx, and have given me the run around. The transaction they performed keeps me behind and I can be charged {$47.00} each month. I finally was able to pay 2 months so I would not charged {$47.00} late fees each month.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I recently filed a complaint about my mortgage company systematically trying to raise my mortgage payments. the complaint # is XXXX.They sent me an Escrow refund dated XXXX/15 for {$430.00} overage. They decided that a mistake was made on their part and decided they should not have sent me the check. They then sited that my escrow account was short, so they raised my mortgage {$20.00} without informing. Last month they sent me another Escrow overage check from the escrow account for {$40.00}. I sent them a money order for the shortage in my escrow account for {$180.00}. I sent my regular payment that I was paying also this month [ XXXX/XXXX/15 ]. They sent me a letter that I received XXXX/XXXX/15 telling me that they received my correspondence, but not addressing anything I wrote them. I am attaching the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a payday loan from XXXX XXXX XXXX and incorrect amounts were with drawn from my checking account on several occasions. After speaking with XXXX XXXX XXXX it was noted that I applied for 2 loans which I had not. They informed me that it would be corrected and I did not have anything to worry about. My original the account was paid in full and should have never been forwarded to a collection agency. I informed XXXX  XXXX via certified mail and they still are trying to collect and this account remains on my credit report. The 2nd account must be and err or fraud.

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