milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My JCPenney account has been frozen, I am being charged a monthly & a late fee. I pay more than the minimum monthly amount to help cover the " late fee '' and am charged an additional late fee every month. The minimum amount due monthly is {$25.00}, I pay {$40.00} dollars and am on a very limited, tight budget so can only pay an additional $ XXXX monthly for a life insurance policy. Every month I pay a little extra as I can afford it in an attempt to reduce the overall balance. In addition, JCpenney charges me a {$35.00} late fee which is added monthly. As of XXXX 2015, the total amount charged to me by JCPenney is over {$500.00}. Their claims department calls me early in the morning regularly and multiple times daily. The new minimum amount is {$86.00} which I am not able to pay. I would like to know if it is legal for them to add late fees to late fees when I have been making payments, even an amount less than they would like.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted Select Portfolio Services several times over the last 2 years to find out if we would qualify for a loan modification, due to financial hardship from house repairs and other unexpected expenses. I was unable to make a full payment every month, yet they would not take partial payments. I provided all the documentation ( so I thought ) to them, over a year and a half ago. We then filed a personal bankruptcy in XXXX XXXX to help get us back on track, which did help, but we were still unable to pay the mortgage. We did not include the mortgage in the bankruptcy because we were still waiting to hear regarding the modification. In that 6 months prior to the bankruptcy, SPS asked for additional information ( some of which I had already provided ). After the bankruptcy, they continued to say they needed updated information, new signed docs, new hardship letters, etc. 
This continued for all of XXXX. While they still had n't approved or disapproved me, they referred my account to a legal team to move forward with a foreclosure. Luckily there is no sale date yet, however, they did finally get back to me stating that I was not approved. While they base it on your gross income, they decided we made enough money to be able to pay the loan. 
Well, we do n't with all the expenses and still trying to pay off loans for house repairs. Then they said I did n't make enough money, however, to qualify for the repayment option. So, it took them almost 2 years to tell me that. Now, I am in complete default, so no one will lend me any money, and if I want to keep my house, I will have to file Chapter XXXX so that means legal fees that I do n't have and they will put me on a repayment plan that I ca n't really afford. 
Oh, but if I can come up with at least $ XXXX, they will reinstate my mortgage. 
What a bunch of XXXX! After letters, upon letters, upon letters, stating how much they want to be able to help you. " There may still be something you can do. '' Yeah, you can put me off for almost 2 years so that you can just move ahead with the foreclosure you knew you were going to move forward with anyway! Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with JH Portfolio Debt Equities, LLC (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I do not have a contract with the said company. I have sent validation letter to XXXX back in XX/XX/2016 with the letter being returned undeliverable. Shortly after JH Port started reporting this account with the credit reportinfg agenices.

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 09-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Cadillac Accounts Receivable Management (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: collection agency contacted me about a medical bill, a single bill. But when they reported it to credit agencies, they listed it as XXXX separate bills, and then lumped it all together into a XXXX bill to the credit monitoring agencies. I only have XXXX unpaid bill that the Veterans Affairs did not pay, not XXXX. If I add up the XXXX bills they broke the XXXX into, it 's more than what I owe total. I owe about {$3700.00} that the VA did n't pay, but if you look at the claims, I owe almost {$10000.00}, which I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Other debt) with Peerless Credit Services Inc (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX was told repeatedly at peerless credit to not call my work number. He proceeded to contact my work 2 more times after asked not to. I am not allowed to receive personal calls at work and this is a violation of my employment. My wife asked him to leave a message with her and she would forward it to me because of the work policy and he told her that he was not allowed to leave messages, even though he left two messages with the secretary at my work. Giving his name and who he was trying to contact. Also threatened us after we questioned him about policies in Pennsylvania about the debt and history of it ... he told us we owed the full amount in 10 days or we were going to be sued for it. 

He called my wife twice at XXXX XXXX and again at XXXX. No messages left. He called me on my cell twice the same times XXXX, XXXX, and XXXX. He also called my employer between those times twice and left messages.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Settlement process and costs

Complaint: I refinanced a home with Nationstar in XXXX, 2015. I was notified that payments would begin XXXX XXXX by my loan officer. Instead, Nationstar began requesting payments in XXXX. 
I feel like I was scammed. I checked the closing documents that I signed, and they do indicate that payments would begin in XXXX. I 'm frustrated and already behind in my payments because of this. I tried working it out with Nationstar, but they wo n't budge because of the closing documents. I would not have signed them had I known the start date was in XXXX. Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Currently have a HAMP mortgage with Di-Tech Financial, LLC. ( Acct. # XXXX XXXX Di-Tech so far has only processed and paid {$1000.00} of the promised HAMP incentives of {$10000.00}. ( XXXX {$1000.00} payments and XXXX {$5000.00} payment on the XXXX Anniv..date of the HAMP modification. ( XXXX. XXXX ) I believe this is due in part to Di-Tech 's failure to timely submit the required documents to the US Dept. of the Treasury. 
XX/XX/XXXX, I received a letter from Di_tech informing me I needed to return the Dodd Frank Certification Letter to apply for the one time principal balance reduction of {$5000.00}. I uploaded the Form XXXX and a Quit claim deed from my Ex-Wife on XXXX XXXX, XXXX. Since the XXXX form required both buyer and co-buyer signatures. 
I then contacted Di-Tech Customer Service to inquire about the need for my Ex-Wife to sign the XXXX Form. At first, they stated they had all documentation that was needed. Later I called again after not receiving any confirmation. I was transferred to Di-Techs Loss Mitigation Admin. that told me they did not have the documents needed.. On XXXX XXXX, I uploaded my Final Judgement and Decree Of Divorce as proof my ex and I Divorced in XXXX. The {$5000.00} was supposed to be posted to my account in XXXX XXXX. I have called Di-Tech 's Customer Service many times and asked if they had enough Documentation to proceed and submit to the US Dept. of the Treasury. 

In my latest conversation with Di-Tech CS, I talked to XXXX XXXX from XXXX Fl. about the situation. She located all uploaded documents but did not know why they have n't been submitted to the proper agency for processing. She also explained that there where supposed to be XXXX ( XXXX ) {$1000.00} payments and the {$5000.00} payment as part of the HAMP incentives. .. According to my account payment History, only XXXX ( XXXX ) {$1000.00} payment was made on XXXX XXXX, XXXX. So ( XXXX ) {$1000.00} & the one time {$5000.00} payment remain to be paid. 
Please see the XXXX supporting documents that have been uploaded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Dear sir/madam, It looks like the credit bureaus have XXXX files on my name : first associated with my SSN and second associated with my business XXXX. Every time when I 'm trying to apply for credit card my application declined. I sent all proofs of my documents to all bureaus, called them but still no success. 
So i need to merge both my files to XXXX correct.

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: XXXX  I submitted a dispute in regards to inaccurate reporting a charge off by   XXXX  in th e amount of {$76.00} and a past due amount of {$76.00} and I asked them to validate the debt belonged to me  XXXX  Disputed this account with  XXXX  and Experian  XXXX  Received an account summary from  XXXX  for dates   XXXX   thru  XX/XX/XXXX   XX/XX/XXXX -I received Experian investigation results  showing a ccount updated   XXXX   XXXX  I received    XXXX    investigation  results showing that the account was updated  XXXX  I sent another letter  XXXX ,   XXXX   and Experian  asking that they send me pr ovide me with viable proof that this debt was mine  XXXX  Recieved  the same exact letter from them with the account summary from  XXXX    XXXX   XXXX  Received letter from   XXXX   stated the account was still  being v erified as correct and no validation or proof was sent that this debt belongs to me

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 07/19/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Opened a new citigold account with the promotion below. 

Citibank Citigold Checking is offering up to XXXX XXXX XXXX XXXX bonus miles with promo code XXXX good until XXXX XXXX, 2016. In order to get the maximum XXXX bonus XXXX, you must open a Citibank Checking Citigold Account Package, set up a bill payment for at least XXXX consecutive months, and make at least {$1000.00} in debit card purchases. 

Called multiple times and getting the runaround. Getting charged monthly fees for waiting on miles to be credited to my airline account. Multiple times no communication from citibank. Please help.

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 10-06-2015 about Debt collection (Credit card) with DISCOVER BANK (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Discover Card had, at XXXX time, authorization to withdraw payments from my checking account. In XXXX of 2015, I asked them to stop withdrawing their payments from my checking account. They continued to do so. I placed a block on my account so that they could not continue to withdraw funds from my account, and they created " dummy '' checks and continue to withdraw money. I changed my bank account information and they somehow found out my new account and withdrew money again,

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing and requesting validation of a debt I do not owe for nearly XXXX months now and EQUIFAX has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts. IN ADDITION THE OTHER XXXX BUREAUS XXXX AND XXXX HAVE ALREADY REMOVED THE ITEM in question, so it appears EQUIFAX wants to play by their own rules. The item on my credit report XXXX Acct # : XXXX is falsely showing. Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items 1-6 ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Credit card () with Army and Air Force Exchange Service (WA).
Issue: Closing/Cancelling account

Complaint: I recently received a military star card about a month ago and began using it almost immediately. I called to extend my credit limit and begin making payments in a timely manner days later. I logged in one day to check my account and saw my retail limit was increased as requested for {$500.00}. My retail credit limit started at {$600.00} total, then was increased to {$1000.00}. After that I tried to make a purchase days later and it showed as declined. I checked my balance again online and my credit limit was suddenly in the negative {$75.00} in spite of no new purchases being made. A day or so later my credit limit was increased by about {$50.00} which I very quickly spent on dog food before it disappeared! I called today to make a complaint about it and they told me I was n't eligible as of 10 days ago. I received a bill but NO notice and the customer service worker & supervisor I spoke with were absolutely deplorable refusing to say anything other than I 'm no longer eligible for an account. Although my account is not shown as closed online. My first bill is n't even due yet for almost a month! And the payment is only {$19.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have Navient formally XXXX and been paying on it since XX/XX/2005. It has not gone down any, I feel the interest I am being charged is not fair and I am not able to make the payments because of this, causing me to default. Please help me! It is ruining my credit. I want to pay back my debt but I am struggling for so many years!!! I keep having to do a forbearance. My monthly payments are killing me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/18 I went to Bank of America in XXXX, NJ to make a {$1000.00} cash deposit into my mother 's account. I handed the teller the deposit slip with account number. She refused to accept the deposit because I was not on the account. I would have had no problem providing my identification, social security number etc. However, they refused the deposit. My mother was on the phone with me while I was attempting to make the deposit. She gave them authorization to allow me to make the deposit but they still refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Late fee

Complaint: Hello, you wonderful folks -- you helped me with a problem I had with XXXX a couple years ago. Right now I have a query about an XXXX card I stupidly took out to buy XXXX item, which cost maybe {$30.00}. The card is issued by Synchrony Bank. Well, I forgot to pay it off right away, got behind, and now I have late fees on top of late fees. I have already paid more than {$200.00} to XXXX, but because of the late fees I still owe {$260.00}! XXXX has now referred the account to XXXX for collection. I do n't dispute that I bear some responsibility in this, but is there a limit to how many late fees they can pile on? I would be happy to settle the bill for a portion of the {$260.00}, if they would agree to that. I also need to know if I should pay Synchrony or XXXX, because I 'm still getting bills from both. The only payment records I could find are from my attached bank statements -- XXXX is under XXXX, the other under Draft XXXX. But I believe I have made other payments.

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I mailed a certified letter to each credit bureau requesting that certain inquiries be removed from my credit report. It has been 30 days and I have yet to receive a reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Bank of America has been deducting funds from my account well before checks are actually cashed. 

When customers use the Bank of America 'bill pay '  service, the bank 's 'standard ' practice is to deduct the amount of the check from the customer 's account on the day the bank says the check has been delivered instead of when the check is actually cashed. Customers frequently have no way of knowing if the check was actually cashed at that time or much later. 

I sent 2 checks for {$3000.00} through 'bill pay ' ; both checks were deducted from my account on XX/XX/XXXX. The bank did not provide me with images of either 'cashed ' check. In fact, one check was received well after XX/XX/XXXX and cashed on or about the XXXX. The other was never received and I had to cancel payment. Meanwhile, the funds were held, and I'm assuming used, by the bank. In my youth, this was called kiting. 

As a XXXX, I can imagine the interest the bank must collect on the funds resulting from this 'standard practice ' when calculated on a national basis. 

What can be done about this? 

Thank you.

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 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: incorrect phone number reporting on my credit.

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 11/14/2016 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Managing the loan or lease

Complaint: I have a corporate auto loan with Bank of America. The loan has been on autopay via Bank of America 's system since the XXXX payment in XXXX. In XXXX XXXX, this autopay was cancelled with no reason or notice from BoA and they claim to have no understanding why it was cancelled. When they called me to notify me of a late payment, I immediately made the account current, and was told that all interest and late fees would be waived and my credit would not be marked. Of course my credit has been marked, being the only negative information on my credit report. I have gone through BoA 's correction process and they refuse to remove the negative information and will not give any information beyond saying " the information reported is accurate. '' Which, obviously, it is not.

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