milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a XXXX late payment for XXXX XXXX on my XXXX XXXX XXXX car loan account. 

On XXXX XXXX, XXXX, I wrote a letter ( copy attached ) to XXXX XXXX XXXX and sent it to the following address : XXXX XXXX SERVICES XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XXXX XXXX I made several attempts to make a payment online and the XXXX payment system was down. Also around XXXX XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or XXXX notifying me that the payment was due. I asked XXXX to remove the XXXX XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX responded with a generic letter XXXX copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX XXXX ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Other fee

Complaint: I have promotional ( no interest for 6 months ) balances on a Care Credit card. I have paid extra to be sure that the non-promotional balances ( {$120.00} from XXXX/XXXX/2015 ) was paid in full. However, I have been accruing a 'minimum interest charge ' for the non-promotional balance for the last couple months. I did a chat with a representative from the company who reports they applied my payments as required by law. The law states that the highest interest rate needs to be paid off first - all of my charges are at the same interest rate, only the non-promotional charge is actually accruing interest at this time, so it appears my payments should have been applied there first. The representative with whom I chatted reports that she changed the way previous payment ( s ) were applied, but no charges were reversed. I would like to see the charges reversed, if possible, and for the company to not to this to anyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NY).
Issue: Managing the loan or lease

Complaint: We have had this loan for greater than XXXX years, originally as a home equity loan. Late payments were made however payments were always made. We placed it into consumer credit counseling in XX/XX/XXXX when the owner refused to work with us to lower the interest rate so we could pay it off. at this time, we believe it is a negative amortization situation. At this time the owner still refuses to accept a payoff to end the loan ( a reasonable payoff ). We continue to make payments via the consumer credit counseling service and have until XX/XX/XXXX left to pay on it at the current rate. The owner company has more than recuperated their principal amount with interest. The original interest rate was over 20 % and was paid like that for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (IL).
Issue: Struggling to pay mortgage

Complaint: Loan number XXXX Pacific financial union think in XXXX XXXX I called them they told me to send XXXX I sent XXXX they said not enough sent check back every month after I sent the XXXX plus XXXX .my house payment is about XXXX a month .every month they send back saying not enough .I need help need to get away from them they did this last year to so fustruting. Help please I do n't wan na lose my house .XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I set up auto-pay option on my account with the help of an account representative. I was allowed to select a payment date of the XXXX date of each month and was assured that was within the grace period. 3 months later, I noticed that I 've been charged late fees for each of the last 3 months. I have received XXXX notifications, either through the secure message part of the website or via e-mail.

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 05/24/2016 about Consumer Loan (Installment loan) with RFNA, LP (LA).
Issue: Managing the loan or lease

Complaint: I borrowed {$2000.00} and some cents from Republic Finance , Inc. on XXXX/XXXX/XXXX and they added charges to this account of {$4900.00}. So I received another check totaling {$2000.00} and paid off the {$2000.00} and some cents on XXXX/XXXX/XXXX. This account was for two years and I paid the account off in one year. I made a payment in XXXX XXXX for on XXXX/XXXX/XXXX with the late charges. I made payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and these payment were not on record for {$130.00} which was the late charges also. The payments were for {$120.00}. The company stated that I borrowed {$2100.00} which was incorrect. I paid this account off on XXXX XXXX, XXXX but this was not a settlement. This account was not in collections. I was never told this. I informed them that I was paying this account off early and they put me in collections. I have a zero balance. If they told me at the time in paying off this account, this was a settlement, then I would not have done it. In the credit bureau they are showing XXXX for collection from XXXX to XXXX. I paid this account off a year earlier not in collection but paying off a revolving account. I want the XXXX taken off my account and 60 day past due for XXXX, XXXX, XXXX and XXXX. I received a letter later on XXXX/XXXX/XXXX that this was a settlement but they already had my check. I was not told at the time that this was a settlement and the account was in collection. I did not receive a XXXX on this settlement. This false information is ruining my credit until this date. Had I knew this would be put in the credit bureau as collection and incorrect dates of 60 days past due, I would not have let them deposited the check. I written the credit bureau and talked to a vice president but nothing changed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Called Sallie Mae XX/XX/2016 : XXXX asked for help with deferment payments the woman on the phone said " The credit collectors would get ahold of us '' and there is nothing we can do for you at this time. XXXX Asked " is there anyone you can transfer me to that can help me with more information? " .... " not at this time '' XX/XX/2016 - I called Sallie Mae again and was informed by XXXX that they do not have a rates and reduction program, and that they are unable to renegotiate my payments or put me on a payment plan. I asked to be transferred to collections ( ca n't remember her name ). I was informed by XXXX ( spelling? ) that my account must be delinquent in order for collections to help me. I asked to be transferred back to customer service and was connected with XXXX ( Florida ). Wrong department. XXXX ( servicing general ) XXXX informed me that I was transferred to the wrong department. I informed him that both collections and customer service had told me that they were unable to help me out. He then called over to customer service for me to see if there was anything to be done. Transfered once again, to XXXX in Escalations. She informed me that my account must be in delinquency in order to apply to rates and reduction program. 

In a subsequent call we were told that we were put on a rates and payments program, where our rates would be reduced as would our payments which would be capped at XXXX, but the payback period would be 30 years. 

XX/XX/2016 : Sallie Mae call I called Sallie Mae to talk about why my account read ( approx. ) negative XXXX dollars. I was put on with someone who told me that our Sallie Mae loan account was signed up for a {$120.00} auto draft from our checking account, and that this would be for three months : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that after XX/XX/XXXX our account would be updated to reflect the fact that we were on the new program. 

to date our loans are still not adjusted as " Rate and Reductions '' rates that were were supposed to be paying, but instead we are supposed to still be paying the nearly {$500.00} a month for all our loans instead of {$120.00}. We can not stop getting the run around and we are struggling financially mostly due to the issues and over payment to XXXX/ Salei Mae '.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with WELLS FARGO & COMPANY (LA).
Issue: Closing/Cancelling account

Complaint: Wells Fargo closed credit card account for local Home Furniture store due to inactivity. This account was opened XX/XX/2013 and used to purchase furniture. We were not aware the terms meant they could close it due to inactivity. People do not go out and buy furniture on a whim just to keep a card active. Never notified that they were closing this account. Do not want ill affects on credit report/score due to this!

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 04-11-2017 about Mortgage (Conventional fixed mortgage) with 360 MORTGAGE GROUP LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: pmi REMOVAL from loan. I am at 72 % loan to current ratio and amount of actual amortization that they would take PMI off and they refuse to do so. I know there is homeowner protection act to stop this. Can you help 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 05/31/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Other

Complaint: My Capital One card initially called to assist me with payment so that I could avoid being late on the payment and mislead me and it keeps reporting the late payment. I had contacted them numerously about this and they refuse to rectify the bad reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (KS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted by phone on XXXX/XXXX/15 by XXXX XXXX with National Credit Systems. She told me that I had a bill from XXXX XXXX that had been turned over to her office for non-payment. I explained that I had moved out of the complex and was not aware of any bill. I requested a copy of the bill be sent to me. XXXX XXXX said she would put it in the mail to me that day and put a hold on the collection account. I received a generic phone message on XXXX/XXXX/15 from XXXX XXXX asking me to call her. I returned her call and left a message. I called again on XXXX/XXXX/15 and got XXXX XXXX, she had no record of our previous conversation. XXXX XXXX said that XXXX XXXX claimed I left over {$1100.00} in damage to the apt . I explained that the apt was left in perfect condition and I had friends who helped me clean it and could confirm the condition. I again requested a copy of the bill, all the charges itemized and photographs of the so called damage. XXXX XXXX said she had a bill with a total and would mail it to me that day but could she get my credit card number and have me make a payment. I told her that I am disputing this bill. She assured me that the account was in dispute and it would not be filed on my credit. I called XXXX XXXX on XXXX/XXXX/15 because I still had not received the bill. She said she would request the bill. I stopped her and asked " What do you mean request the bill? Do n't you have a copy of it? '' XXXX XXXX said that she had requested the bill but never gotten it. XXXX XXXX immediately transferred me to a voice mail box that she claimed was her supervisor. I left a message with my account # and phone #. I was not called back. I left a message on XXXX/XXXX/15 and XXXX/XXXX/15 and have not received a call back or a copy of the bill. I did received a letter from NCS on XXXX/XXXX/15 stating that they were placing this debt on my credit history if I do n't make payment arrangements with them immediately. I filed a complaint with the XXXX on XXXX/XXXX/15. I received a call from XXXX XXXX on XXXX/XXXX/15 in response to my complaint. He said that his office mailed a copy of the bill to me on XXXX/XXXX/15 and he would request another copy be mailed. He was very abrupt and rude. He said my account is still in dispute and nothing will be filed on my credit at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian Date : XX/XX/XXXX Report # XXXX Experian has on my credit report XXXX XXXX as {$770.00} showing as written off. 

there has not been nothing by Experian as proof of this amount from XXXX XXXX. 

I have provided from XXXX a letter from XXXX XXXX in which does not state no money owed. 

I sold the car to a buyer in which is recorded with Califorina DMV in which if there was a balance stated by Experian why did I have my title. 

I have provided proof from XXXX XXXX letter Dated XX/XX/XXXX I need proof other wise by Experian something showing from XXXX XXXX this amount of {$770.00}

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX doubled the balance of my loans on my Transunion CRA. A lot of the loans are duplicated. Please fix this as it is showing an inaccurate statement of debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was placed on the long term modification program to alleviate my financial difficulties. I have now been out into default because chase did not put the past due balnce into forbearance as the XXXX rep told me would happen. Now all of my loans have become accelerated and are asking me to pay all loans in full. I can not do this, I am barely able to make lower payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are several discrepancies with my personal information. The following does not apply to me : I am not associated with these names : XXXX XXXX XXXX XXXX XXXX I have not lived at these addresses : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: Macy 's store credit card : I was 11 days late on a payment in 2014, since then I have been making payments to Macy 's. However they have been reporting to the credit bureau that it has not been paid since then. I have proof through bank transactions, disputed through the credit bureau and Macy 's has not removed the erroneous late and no payments. In addition, they charged off my credit card while I was making payments, which also negatively impacts my credit. Because of an XXXX day late payment my credit is damaged for the next XXXX years. I believe it is unethical and should be illegal for Macy 's to continue to fraudulently submit information to the credit bureaus and not be held accountable. In addition, prior to the XXXX day late payment I called Macy 's stating why I was going to be late and asked for a payment plan and they said their company provides not payment plans or assistance if when someone loses their job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (DC).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Having enough in my account from my retirement XXXX every since I open up this account constantly been accessed fees that were inappropriate due to abuse of power by the president at the bank also based on stigmatized and sterotyped being of another race. And taking me like I am stupid and constantly every month being charged excessive fees that were deemed to be access to my account ; Suntrust bank on XXXX XXXX in XXXX pk XXXX XXXX XXXX XXXX. facing biases.

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 11/17/2015 about Debt collection (Auto) with AFNI INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Someone has claimed that I rear ended them. But I was not in an accident o, the day they said it happen. Also there is no front end damage done to, my vehicle. There is no police report or any report at all. They supposedly only have a photo of my drivers license. Which anyone could have, as I am a XXXX and work in major company 's buildings. We also have proof that my car has no front end damage done to it. Also this car was hit by a drunk driver over a month ago, and was declared a total loss. So again there is no proof of any wreck. And we want this issue resolved. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Making/receiving payments, sending money

Complaint: I was charged XXXX days for a processing hold in my account to a business that did n't submit the hold for payment right away. The bank charged me each day the hold was in effect, thereby reducing my balance that affected other payments which should have been covered. They said at the end of each day, they returned the monies to my account if they were not collected by the company. However, my statements show that the monies were " never '' returned to my account and was eventually charged again on the following day, making the charge a double payment to the business which they never received but my account was reduced by the double amount. That 's not fair to me to be charged twice and the monies not paid to the merchant but my account depletes anyway. The bank should replace the funds at the end of each day if they are not collected by the merchant, thereby making the bank customer whole again for the next day charges.

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 07/26/2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written XXXX from both of the collection agencies/law offices and the original creditor. I requested XXXX over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my XXXX as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my XXXX immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt is inaccurate. I never received notification of this debt. Ihad XXXX with a deductible which was met for the year and afterwards insurance paid XXXX %. I never received bill for this debt, call or notice. I have requested many times for a detailed bill of services rendered and account bill with no response and no information received, ever. I have asked this debt from all credit reporting agencies to be removed due to failure to show accountability and it remains on my report. Thus i will not pay this debt and will continue to refuse and dispute this account because my account payment history as shows is XXXX % on debts i owe not ones i never received notification or acceptance on sevond and third party billers who falsely report negative medical bills on consumers who are more than adequately covered by insurance. My insurance company still doesnt knowwhat this charge is as well. 
I want this removedfrom 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 explanation