milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with MARINER FINANCE, LLC (VA).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a {$4000.00} loan from Mariner Finance on XX/XX/2017. Upon paying my first monthly payment of {$170.00}. Only {$50.00} was credited to my balance. I called and asked why. I spoke to XXXX at the office who is the Asst, Manager, he told me that I have a Per Diem of {$4.00} per day. Then Later said my Per Diem was {$4.00} per. I asked him why was n't I informed of this and he stated that that 's how the company works. In total i was told that my loan of {$4000.00} was going to technically be paid dollar for dollar making my total owed to Mariner finance {$8400.00}. 
I was not informed of any of this, nor was i informed that I would be paying over {$8000.00} in the long run. 

Lastly, Mariner Finance put a life insurance policy on me and stated that they loaned me {$4500.00}. But the loan was on {$4000.00}.

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 06-01-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I submitted my request for the REPAYE program on XX/XX/2016. As of XX/XX/2016, my loan servicer FedLoan Servicing still has not put me on the REPAYE program. On XX/XX/2016, I filed CFPB complaint number XXXX. On XX/XX/2016, FedLoan responded to CFPB and said that it would put me in {$5.00} reduced payment forebearance and then place me in the REPAYE program after it received my payment. I made the {$5.00} payment on XX/XX/2016. FedLoan then sent me a bill dated XX/XX/2016 for {$920.00}. For comparison, my previous payment under IBR was {$26.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I hold a mortgage with Ocwen Mortgage company. Since XXXX, I have been behind my paying my mortgage. I have contacted them telling them my husband 's company was slow in his XXXX but we should be able to catch up. In XXXX, I tried to make a payment to their website where I have established an account but I could not go through successfully. When I contacted an agent, the agent advised me to do it through XXXX XXXX and assisted me in doing it. A few days later, Ocwen sent me a mail telling me that I should include my accoutn # on the XXXX XXXX payment which is odd because the payment was made with the assistance of an agent. Fearing that that something was not right, I went on and paid through my bank account and it went through. On XXXX XXXX, I called the automatic phone line of Ocwen and initiated an automatic payment. I received an email confirmation that the payment was received. But for days, I noticed the money has not been cashed out of my account. I called Ocwen and talked to an agent and asked why the money has not been cashed out. The agent told me that it will be posted. I wanted to make another payment before the XXXX of XXXX but I was worried that the last payment has not been cashed out. On XXXX XXXX, I received a call from someone identifying himself as an Ocwen representatitve. His first sentence was that the conversation was going to be recorded. Unsure of who that person was, I informed the agent that I was going to record the conversation too. The agent hung up the phone on me. What ensued after this incident was a cascade of conversations with Ocwen representatives depicting lies and excuses for not receiving the payments as posted. I offered to pay some other way besides XXXX XXXX or the automatic vocie mail to bring my account somewhat up to date. I was refused to do so and I was accused of putting the wrong information causing their intake system to reject my payments. I was told that I had passed my 90-day limit and could not pay at all. This has caused a lot of frustration and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: You already know that I was in jail from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and your institution has my discharge papers from jail. Att reported a debt of {$850.00} to AFNI collection agency after I talked to them on the month of XXXX about what happened to me, I told them that I 'm gon na start making payments beginning XXXX XXXX they said it was ok but when I checked my XXXX report today XXXX/XXXX/XXXX I saw that they reported to the collection agency, i told them that I need time that I 'm looking for a job and I 'm even receiving mental treatment because of the situation I lived and the problem was with my baby 's mother. I contact ATT several times but they keep saying that I need to pay this immediately that they do n't have to follow the note of my explanation to them back on XXXX of this year and they transfer me to the collection agency. My Att phone number was XXXX I do n't have the account number right now but I think with the phone number you can get into my account and my social security # is XXXX. Please contact AFNI collection agency and explain them the situation and tell them to remove this from my credit report as the credit law command and also contact att regardless of this situation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Medical) with American Collections Enterprise, Inc. (DE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Without verification or validation, this debt was placed on my credit report.

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
Consumer complaint received 01/17/2017 about Credit card () with CITIBANK, N.A. (GA).
Issue: Payoff process

Complaint: Citibank Promotional Accounts Citibank provides credit cards for Sears, Home Depot probably many others. The Credit cards issued by Citibank can be store cards, that can be used only at the merchant only or a XXXX or XXXX that can be used everywhere. As part of the credit services, promotional accounts, i.e., " same as cash accounts '' is also provided. 
My understanding is that if a consumer has a promotional account and other charges on the credit card, consumer payments in excess of the minimum payment must be applied to the promotional balance first until it is paid off according to Federal Regulations. Citibank does not apply the excess amount to promotional accounts. Instead, Citibank uses some type of a hierarchy. 
If you cal them, they will tell you that the consumer can request the excess of minimum payment to apply to the promotional balance. 
Unless the consumer is aware, the consumer is going to get slapped with the high interest accrued towards the promotional balance. 
Citibank does not to disclose the consumer how they apply the excess of the minimum payment. 
In my case, I would have incurred an addition {$600.00} all the while I was making payments in excess of the minimum to pay off my promotional balance. When I called the Customer Service today XXXX XXXX/XXXX/17 XXXX, the representative told me about the convoluted hierarchy, which I do not understand. When I informed them that they are in violation of the Federal Law regarding credit card payment, the representative retroactively allocated my excess payments to the promotional balance and my promotional balance is paid off.

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 01-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pinnacle has refused to correct their false information and have not met the FCRA standard. Consumer is seeking the licensed and registered agent in Pennsylvania to pursue action for violations by Pinnacle. 
Creditor, collection agency and credit bureau, if they reage your debt ( FCRA section 605 ( c ). 

Creditor, collection agency if they report your credit history inaccuratley ( extent of damages incurred ) a collection agency can not misrepresent a debt as to the date, legal, or amount ( FDCPA ) FCRA Section 604 ( A ) ( 3 ) covers the pulling of a credit file without permissible purpose

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Closing/Cancelling account

Complaint: Synchrony Bank sent me a letter saying they decided to pull my credit report randomly and closed my account with them without my authorization. My account was in good standing with them and was paid off in full a few months ago. I spoke to a supervisor over the phone and she was very rude and stated that they have the right to pull my credit report at any time, how ever many times they want to and they can close my account even if my account it paid off and I have a good standing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Experian charges me {$24.00} a month for credit services. 

I would like to cancel my service. 

They provide NO online ability to cancel. 

When I called to cancel, I had to wait on the phone for over 20 minutes and no one ever picked up. 

So, you ca n't cancel online, and they are not adequately staffed to take cancellations over the phone.

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 06-07-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent them a letter is regarding an account that I have not had. XXXX note the attached document from the secretary of state of Ohio. 
I have no affiliation with this company. Its a business credit card processing application. 

I sent them proof from secretary of states office ( attached )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Credit is too old .should be removed from my credit after 7-10 years and it has been past that

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

I also tried to use their services to submit a fraud alert and the website repeatedly failed to submit my information. This blatant consumer abuse needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: Chase mortgage Is stating on my credit report that my account was charged off in a chapter XXXX bankruptcy and the account has been closed. I have not included this debt in my chapter XXXX plan and this was on the outside payment, I have been timely and never missed any payments as per contract. I would like it to report payed as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address on my credit report that I have never lived at. I have never lived in Massachusetts.

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Overland Bond & Investment Corp (IN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I purchased a vehicle inXX/XX/XXXX it was refinanced in XX/XX/XXXX because my paydays changed so they put it on my credit report. Then it XX/XX/XXXXmy car was repossessed for late payments so they added that to my credit report as well. I made all of the late payments  and my car was back in my possession. I paid the entire loan off inXX/XX/XXXX and received the title. A year later asked could they remove those two items of my credit report and they refuse to do so. Saying my car was repossessed but i have have the car and title til this day.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The 3 major credit reporting agencies are listing numerous Credit Inquities which are not linked to any accounts that I am a holder of. I am Im the process of trying to purchase a home and these Inquiries are an issue. I understand that an inquiry should not be on my file unless I have authorized it so I am kindly requesting that these be removed from my credit because it is making it difficult for me to proceed with home ownership.
The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit.
2. Insurance. 3. Court Order. 4. Employm
ents.
The following Inquiries are not related to any of the aforementioned permissible and I would like them to be removed. Some of these Inquiries are so closely dated that I am certain they are unauthorized.
1. XXXX XXXX DatedXX/XX/XXXX ( 3 Bureaus ) 2. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 3. XXXX XXXX XXXX Dated XX/XX/XXXX( XXXX ) 4. XXXX XXXX Dated XX/XX/XXXX ( Experian and XXXX ) 5. XXXX XXXX DatedXX/XX/XXXX ( XXXX ) 6. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 7. XXXX XXXX Dated XX/XX/XXXX( 3 Bureaus ) 8. XXXX Dated XX/XX/XXXX ( Experian ) 9. XXXX DatedXX/XX/XXXX ( XXXX ) 10. XXXX DatedXX/XX/XXXX ( XXXX ) 11. XXXX Dated XX/XX/XXXX ( XXXX ) Please do not hesitate to correspond with me if you need further information and I am grateful for your kind assistance.

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 05-03-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Convenience checks

Complaint: Bank of America lied to me about the interest rate on my credit card. I was told that the go to rate on my card would be XXXX instead it went to 22 % interest. They stated it was because of how I accessed the cash with a convenience check instead of doing it online or over the phone even though when I made the advance I was told it go to the purchase APR and not the cash advance APR.

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 06-01-2016 about Debt collection (I do not know) with California Business Bureau, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt. On XXXX/XXXX/2016 i mailed a request to Validate the Debt via Priority Mail via the USPS. 

On XXXX/XXXX/2016 I received a notice from the collection agency stating that the did indeed receive and completed a Consumer Dispute Verification. 

This is a violation of the Fair Debt Collections Practices Act ( FDCPA ), the FCRA, and Federal and State statutes for fraudulent slander of credit and illegal reporting activities. 

Under California Civil Code 1785.26 a collection agency is to notify me within 30 days of reporting a collection account to my Credit report. Since they have failed to notify me of this, by phone or registered mail they are in violation of this code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 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: Information belongs to someone else

Complaint: XXXX XXXX XXXX. 
XXXX XXXX, XXXX {$750.00} Item was disputed for fraud. Item was removed and re-added with no notification XXXX XXXX XXXX XXXX XXXX, XXXX {$660.00} Item was disputed for fraud. Item was removed and re-added with no notification Hard inquiries : XXXX XXXX XXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXXXXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXX XXXX C XXXX/XXXX/XXXX Did not apply for credit. 
XXXX XXXX XXXX and XXXX/XXXX/XXXX not only did I not apply but, but if I had I would n't have applied twice. 

Addresses : need to be removed/ old info XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 08/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I AM GOING THROW A FRAUDULENT FORECLOSURE PROCEDURES BY THE SERVICING AGENT OF MY LOAN ( DUAL TRACK IN CONSPIRACY WITH THE TRUSTEE OF THE LOAN THEY ARE HIDING THE ACTUAL INFORMATION OF THE LOAN MODIFICATION STATUS AND HARASSING ME OVER THE PHONE WITH FALSE INFORMATION, THEY FILED ON THE XXXX CLERK A FALSE STATEMENT TO FORECLOSE MY HOME, DENIAL OF THE HOME AFFORDABLE PROGRAM WITH OUT LOOKING THE DOCUMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Account opening, closing, or management

Complaint: Opened online account on XXXX/XXXX/16 at HSBC. I was contacted on XX/XX/XXXX via email requesting additional documentation which I sent in. I called on XX/XX/XXXX requesting a status update on my account. I was told that that person who was handling my account would contact me. Over two weeks later HSBC has my information they requested and I do not have a status for my new account opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for a XXXX Modification with XXXX. XXXX sold the servicing to Shellpoint mortgage servicing. Then XXXX sent a letter to disregard the last letter. All " Initial Package '' per XXXX Guidelines, RMA copy attached include 1 ) RMA Form, 2 ) IRS form XXXX, 3 ) Evidence of Income and 4 ) Dodd-Frank All have been submitted. " Bank Sanctioned for Failure to Consider Loan Modification ''. I would like Shell point servicing to be considered for Sanctions. I was told that the Sale date and foreclosure were Suspended per XXXX and XXXX of the XXXX guidelines and My demand letter dated XXXX/XXXX/XXXX was never answered to me ( Third party auth on file. The sale date is tomorrow with on service or acceleration letter issued. The only issue is that we submitted the XXXX tax return and submitted a XXXX tax return instead of the XXXX. Now they want a XXXX submitted as well I guess the XXXX is not good enough. There was no written certification done as required by XXXX and XXXX of the XXXX Guidelines. The complete doc 's from XXXX have not been considered which were a complete package.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with JPMORGAN CHASE & CO. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I did n't give them authorization to run my credit on XXXX XXXX 2015 I sent them numerous letters and no response

Company response to consumer: Closed with explanation